Note 7 - Loans and Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2016

Receivables [Abstract]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

(In thousands)	March 31, 2016		December 31, 2015
Real Estate
Real estate mortgage – construction and land development	$	123,093	$	115,516
Real estate mortgage – residential		349,725		355,134
Real estate mortgage – farmland and other commercial enterprises		390,097		386,386
Commercial
Commercial and industrial		48,243		48,379
States and political subdivisions		20,013		17,643
Other		21,547		23,798
Consumer
Secured		4,583		6,665
Unsecured		4,988		5,754
Total loans		962,289		959,275
Less unearned income		-		-
Total loans, net of unearned income	$	962,289	$	959,275

Allowance for Credit Losses on Financing Receivables [Table Text Block]

Three months ended March 31, 2016 (In thousands)	Real Estate			Commercial			Consumer			Total
Balance, beginning of period	$	9,173		$	820		$	322		$	10,315
Provision for loan losses		(453	)		(6	)		(14	)		(473	)
Recoveries		52			36			32			120
Loans charged off		(63	)		(11	)		(60	)		(134	)
Balance, end of period	$	8,709		$	839		$	280		$	9,828

Three months ended March 31, 2015 (In thousands)	Real Estate			Commercial			Consumer			Total
Balance, beginning of period	$	12,542		$	1,153		$	273		$	13,968
Provision for loan losses		(1,211	)		(290	)		(44	)		(1,545	)
Recoveries		286			16			37			339
Loans charged off		(95	)		(13	)		(48	)		(156	)
Balance, end of period	$	11,522		$	866		$	218		$	12,606

Impaired Financing Receivables [Table Text Block]

March 31, 2016 (In thousands)	Unpaid Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Allowance for Loan Losses Allocated
Real Estate
Real estate mortgage – construction and land development	$	9,602	$	3,582	$	3,358	$	6,940	$	538
Real estate mortgage – residential		8,970		2,897		6,028		8,925		1,248
Real estate mortgage – farmland and other commercial enterprises		23,655		7,124		16,402		23,526		530
Commercial
Commercial and industrial		418		23		396		419		219
Consumer
Unsecured		154		-		154		154		154
Total	$	42,799	$	13,626	$	26,338	$	39,964	$	2,689

December 31, 2015 (In thousands)	Unpaid Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Allowance for Loan Losses Allocated
Real Estate
Real estate mortgage – construction and land development	$	9,932	$	3,875	$	3,372	$	7,247	$	556
Real estate mortgage – residential		8,655		2,502		6,024		8,526		1,278
Real estate mortgage – farmland and other commercial enterprises		20,980		4,149		16,703		20,852		681
Commercial
Commercial and industrial		399		-		400		400		223
Consumer
Unsecured		156		-		157		157		156
Total	$	40,122	$	10,526	$	26,656	$	37,182	$	2,894

Three Months Ended March 31, 2016 (In thousands)	Average		Interest Income Recognized		Cash Basis Interest Recognized
Real Estate
Real estate mortgage – construction and land development	$	8,292	$	47	$	47
Real estate mortgage – residential		9,035		103		99
Real estate mortgage – farmland and other commercial enterprises		23,791		269		263
Commercial
Commercial and industrial		420		4		4
Consumer
Unsecured		156		2		1
Total	$	41,694	$	425	$	414

Three Months Ended March 31, 2015 (In thousands)	Average		Interest Income Recognized		Cash Basis Interest Recognized
Real Estate
Real estate mortgage – construction and land development	$	11,124	$	81	$	80
Real estate mortgage – residential		10,453		121		121
Real estate mortgage – farmland and other commercial enterprises		25,417		280		277
Commercial
Commercial and industrial		435		1		1
Consumer
Unsecured		24		-		-
Total	$	47,453	$	483	$	479

Loans and ALL Disaggregated Impairment Method [Table Text Block]

March 31, 2016 (In thousands)	Real Estate		Commercial		Consumer		Total
Allowance for Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	2,316	$	219	$	154	$	2,689
Collectively evaluated for impairment		6,393		620		126		7,139
Total ending allowance balance	$	8,709	$	839	$	280	$	9,828
Loans
Loans individually evaluated for impairment	$	39,391	$	419	$	154	$	39,964
Loans collectively evaluated for impairment		823,524		89,384		9,417		922,325
Total ending loan balance, net of unearned income	$	862,915	$	89,803	$	9,571	$	962,289

December 31, 2015 (In thousands)	Real Estate		Commercial		Consumer		Total
Allowance for Loan Losses
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	2,515	$	223	$	156	$	2,894
Collectively evaluated for impairment		6,658		597		166		7,421
Total ending allowance balance	$	9,173	$	820	$	322	$	10,315
Loans
Loans individually evaluated for impairment	$	36,625	$	400	$	157	$	37,182
Loans collectively evaluated for impairment		820,411		89,420		12,262		922,093
Total ending loan balance, net of unearned income	$	857,036	$	89,820	$	12,419	$	959,275

Non-performing Loans Including TDR's [Table Text Block]

March 31, 2016 (In thousands)	Nonaccrual		Restructured Loans		Loans Past Due 90 Days or More and Still Accruing
Real Estate
Real estate mortgage – construction and land development	$	1,368	$	3,667	$	-
Real estate mortgage – residential		2,552		4,097		-
Real estate mortgage – farmland and other commercial enterprises		3,520		15,399		-
Commercial
Commercial and industrial		84		382		-
Other		7		-		-
Consumer
Secured		8		-		-
Unsecured		1		142		-
Total	$	7,540	$	23,687	$	-

December 31, 2015 (In thousands)	Nonaccrual		Restructured Loans		Loans Past Due 90 Days or More and Still Accruing
Real Estate
Real estate mortgage – construction and land development	$	1,567	$	3,674	$	-
Real estate mortgage – residential		2,485		4,127		-
Real estate mortgage – farmland and other commercial enterprises		4,266		15,503		-
Commercial
Commercial and industrial		44		384		-
Other		8		-		-
Consumer
Secured		10		-		-
Unsecured		-		143		-
Total	$	8,380	$	23,831	$	-

Past Due Financing Receivables [Table Text Block]

March 31, 2016 (In thousands)	30-89 Days Past Due		90 Days or More Past Due		Total		Current		Total Loans
Real Estate
Real estate mortgage – construction and land development	$	-	$	228	$	228	$	122,865	$	123,093
Real estate mortgage – residential		1,298		1,131		2,429		347,296		349,725
Real estate mortgage – farmland and other commercial enterprises		-		2,164		2,164		387,933		390,097
Commercial
Commercial and industrial		-		84		84		48,159		48,243
States and political subdivisions		-		-		-		20,013		20,013
Other		28		-		28		21,519		21,547
Consumer
Secured		8		-		8		4,575		4,583
Unsecured		13		76		89		4,899		4,988
Total	$	1,347	$	3,683	$	5,030	$	957,259	$	962,289

December 31, 2015 (In thousands)	30-89 Days Past Due		90 Days or More Past Due		Total		Current		Total Loans
Real Estate
Real estate mortgage – construction and land development	$	-	$	227	$	227	$	115,289	$	115,516
Real estate mortgage – residential		421		1,448		1,869		353,265		355,134
Real estate mortgage – farmland and other commercial enterprises		42		2,376		2,418		383,968		386,386
Commercial
Commercial and industrial		42		43		85		48,294		48,379
States and political subdivisions		-		-		-		17,643		17,643
Other		62		-		62		23,736		23,798
Consumer
Secured		9		1		10		6,655		6,665
Unsecured		18		-		18		5,736		5,754
Total	$	594	$	4,095	$	4,689	$	954,586	$	959,275

Financing Receivable Credit Quality Indicators [Table Text Block]

	Real Estate						Commercial
March 31, 2016 (In thousands)	Real Estate Mortgage – Construction and Land Development		Real Estate Mortgage – Residential		Real Estate Mortgage – Farmland and Other Commercial Enterprises		Commercial and Industrial		States and Political Subdivisions		Other
Credit risk profile by internally assigned rating grades
Pass	$	113,284	$	320,150	$	349,944	$	46,908	$	20,013	$	21,541
Special Mention		1,469		15,443		21,391		819		-		-
Substandard		8,340		14,132		18,762		516		-		6
Doubtful		-		-		-		-		-		-
Total	$	123,093	$	349,725	$	390,097	$	48,243	$	20,013	$	21,547

	Real Estate						Commercial
December 31, 2015 (In thousands)	Real Estate Mortgage –Construction and Land Development		Real Estate Mortgage –Residential		Real Estate Mortgage – Farmland and Other Commercial Enterprises		Commercial and Industrial		States and Political Subdivisions		Other
Credit risk profile by internally assigned rating grades
Pass	$	104,383	$	324,333	$	343,894	$	46,934	$	17,643	$	23,777
Special Mention		1,651		16,225		22,859		937		-		-
Substandard		9,482		14,576		19,633		508		-		21
Doubtful		-		-		-		-		-		-
Total	$	115,516	$	355,134	$	386,386	$	48,379	$	17,643	$	23,798

Credit Quality Consumer Loans [Table Text Block]

	March 31, 2016				December 31, 2015
	Consumer				Consumer
(In thousands)	Secured		Unsecured		Secured		Unsecured
Credit risk profile based on payment activity
Performing	$	4,575	$	4,845	$	6,655	$	5,611
Nonperforming		8		143		10		143
Total	$	4,583	$	4,988	$	6,665	$	5,754