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Note 5 - Allowance for Loan Losses (Details) - Allowance for Loan Losses - USD ($) | 12 Months Ended
--- | ---
Dec. 31, 2015 | Dec. 31, 2014 | Dec. 31, 2013
Commercial and Agricultural |  |  |
Allowance for loan losses, beginning balance | $ 8,802,316 | $ 11,805,986 | $ 12,736,921
Allowance for loan losses, charge-offs | (2,083,347) | (5,104,491) | (6,227,716)
Allowance for loan losses, recoveries | 1,019,436 | 792,821 | 811,781
Allowance for loan losses, provision | 865,500 | 1,308,000 | 4,485,000
Allowance for loan losses, ending balance | 8,603,905 | 8,802,316 | 11,805,986
Commercial and Agricultural Portfolio Segment [Member] | Commercial [Member] |  |  |
Commercial and Agricultural |  |  |
Allowance for loan losses, beginning balance | 497,561 | 1,017,073 | 981,021
Allowance for loan losses, charge-offs | (454,971) | (624,944) | (120,690)
Allowance for loan losses, recoveries | 52,111 | 76,002 | 55,829
Allowance for loan losses, provision | 760,663 | 29,430 | 100,913
Allowance for loan losses, ending balance | 855,364 | 497,561 | 1,017,073
Commercial and Agricultural Portfolio Segment [Member] | Agricultural [Member] |  |  |
Commercial and Agricultural |  |  |
Allowance for loan losses, beginning balance | 304,172 | 293,886 | 296,175
Allowance for loan losses, charge-offs | (5,000) | 0 | (34,502)
Allowance for loan losses, recoveries | 3,600 | 2,700 | 6,200
Allowance for loan losses, provision | (99,681) | 7,586 | 26,013
Allowance for loan losses, ending balance | 203,091 | 304,172 | 293,886
Real Estate Portfolio Segment [Member] | Commercial [Member] |  |  |
Commercial and Agricultural |  |  |
Allowance for loan losses, beginning balance | 3,664,777 | 4,379,276 | 5,162,839
Allowance for loan losses, charge-offs | (275,297) | (1,326,825) | (2,872,408)
Allowance for loan losses, recoveries | 270,003 | 90,042 | 297,984
Allowance for loan losses, provision | 191,044 | 522,284 | 1,790,861
Allowance for loan losses, ending balance | 3,850,527 | 3,664,777 | 4,379,276
Real Estate Portfolio Segment [Member] | Commercial Construction [Member] |  |  |
Commercial and Agricultural |  |  |
Allowance for loan losses, beginning balance | 1,222,695 | 1,782,179 | 1,890,200
Allowance for loan losses, charge-offs | (97,698) | (1,543,099) | (2,071,162)
Allowance for loan losses, recoveries | 485,834 | 485,005 | 253,459
Allowance for loan losses, provision | (920,065) | 498,610 | 1,709,682
Allowance for loan losses, ending balance | 690,766 | 1,222,695 | 1,782,179
Real Estate Portfolio Segment [Member] | Residential Construction [Member] |  |  |
Commercial and Agricultural |  |  |
Allowance for loan losses, beginning balance | 138,092 | 138,092 | 138,092
Allowance for loan losses, charge-offs | 0 | 0 | 0
Allowance for loan losses, recoveries | 0 | 0 | 0
Allowance for loan losses, provision | (118,202) | 0 | 0
Allowance for loan losses, ending balance | 19,890 | 138,092 | 138,092
Real Estate Portfolio Segment [Member] | Residential [Member] |  |  |
Commercial and Agricultural |  |  |
Allowance for loan losses, beginning balance | 2,425,327 | 3,278,269 | 3,405,947
Allowance for loan losses, charge-offs | (929,668) | (1,033,966) | (706,242)
Allowance for loan losses, recoveries | 109,626 | 31,127 | 64,583
Allowance for loan losses, provision | 385,070 | 149,897 | 513,981
Allowance for loan losses, ending balance | 1,990,355 | 2,425,327 | 3,278,269
Real Estate Portfolio Segment [Member] | Farmland [Member] |  |  |
Commercial and Agricultural |  |  |
Allowance for loan losses, beginning balance | 103,800 | 311,494 | 290,526
Allowance for loan losses, charge-offs | (40,000) | (233,580) | (20,977)
Allowance for loan losses, recoveries | 20,000 | 20,000 | 21,762
Allowance for loan losses, provision | 827,892 | 5,886 | 20,183
Allowance for loan losses, ending balance | 911,692 | 103,800 | 311,494
Consumer and Other Portfolio Segment [Member] |  |  |
Commercial and Agricultural |  |  |
Allowance for loan losses, beginning balance | 378,978 | 362,464 |
Allowance for loan losses, charge-offs |  | 0 |
Allowance for loan losses, recoveries |  | 15,468 |
Allowance for loan losses, provision |  | 1,046 |
Allowance for loan losses, ending balance |  | 378,978 | 362,464
Consumer and Other Portfolio Segment [Member] | Consumer [Member] |  |  |
Commercial and Agricultural |  |  |
Allowance for loan losses, beginning balance | 66,914 | 243,253 | 227,774
Allowance for loan losses, charge-offs | (255,062) | (342,077) | (397,822)
Allowance for loan losses, recoveries | 61,976 | 72,477 | 93,520
Allowance for loan losses, provision | 189,549 | 93,261 | 319,781
Allowance for loan losses, ending balance | 63,377 | 66,914 | 243,253
Consumer and Other Portfolio Segment [Member] | Other [Member] |  |  |
Commercial and Agricultural |  |  |
Allowance for loan losses, beginning balance | 378,978 | 362,464 | 344,347
Allowance for loan losses, charge-offs | (25,651) |  | (3,913)
Allowance for loan losses, recoveries | 16,286 |  | 18,444
Allowance for loan losses, provision | (350,770) |  | 3,586
Allowance for loan losses, ending balance | $ 18,843 | $ 378,978 | $ 362,464

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- Definition Amount of loans and leases that have been written off from both loan receivables and allowance reserve for credit loss. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(3) -URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.7(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 + Details
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- Definition Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.7(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 50 -Paragraph 2 -Subparagraph (b)(1)(ii) -URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Staff Accounting Bulletin (SAB) -Number Topic 6 -Section L -Subsection 1 + Details
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