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Note 3 - Loans Leases Receivable - Allowance for Estimated Losses on Loans Leases (Details) - USD ($) | 3 Months Ended |  |
--- | --- | --- | ---
Mar. 31, 2017 | Mar. 31, 2016 | Mar. 31, 2017 | Dec. 31, 2016
Balance |  | $ 30,757,448 |  | $ 26,140,906 |  |  |  |
Provisions (credits) charged to expense |  | 2,105,109 |  | 2,072,985 |  |  |  |
Loans/leases charged off |  | (892,626) |  | (868,284) |  |  |  |
Recoveries on loans/leases previously charged off |  | 89,219 |  | 49,835 |  |  |  |
Balance |  | 32,059,150 |  | 27,395,442 |  |  |  |
Allowance for impaired loans/leases |  |  |  |  | $ 3,748,557 |  | $ 3,642,968 |
Allowance for nonimpaired loans/leases |  |  |  |  | 28,310,593 |  | 27,114,480 |
Less allowance for estimated losses on loans/leases |  | 32,059,150 |  | 26,140,906 | 32,059,150 |  | 30,757,448 |
Impaired loans/leases |  |  |  |  | 20,200,084 |  | 20,072,099 |
Nonimpaired loans/leases |  |  |  |  | 2,407,685,155 |  | 2,377,342,183 |
Loans |  |  |  |  | $ 2,427,885,239 |  | $ 2,397,414,282 |
Allowance as a percentage of impaired loans/leases |  |  |  |  | 18.56% |  | 18.15% |
Allowance as a percentage of nonimpaired loans/leases |  |  |  |  | 1.18% |  | 1.14% |
Total allowance as a percentage of total loans/leases |  |  |  |  | 1.31% |  | 1.28% |
Commercial Portfolio Segment [Member] |  |  |  |  |  |  |  |
Balance |  | 12,545,110 |  | 10,484,080 |  |  |  |
Provisions (credits) charged to expense |  | 593,359 |  | 739,831 |  |  |  |
Loans/leases charged off |  | (218,273) |  | (243,566) |  |  |  |
Recoveries on loans/leases previously charged off |  | 33,894 |  | 11,634 |  |  |  |
Balance |  | 12,954,090 |  | 10,991,979 |  |  |  |
Allowance for impaired loans/leases |  |  |  |  | $ 1,751,774 |  | $ 1,771,537 |
Allowance for nonimpaired loans/leases |  |  |  |  | 11,202,316 |  | 10,773,573 |
Less allowance for estimated losses on loans/leases |  | 12,545,110 |  | 10,484,080 | 12,954,090 |  | 12,545,110 |
Impaired loans/leases |  |  |  |  | 9,188,454 |  | 8,936,451 |
Nonimpaired loans/leases |  |  |  |  | 842,389,893 |  | 818,700,812 |
Loans |  |  |  |  | $ 851,578,347 |  | $ 827,637,263 |
Allowance as a percentage of impaired loans/leases |  |  |  |  | 19.06% |  | 19.82% |
Allowance as a percentage of nonimpaired loans/leases |  |  |  |  | 1.33% |  | 1.32% |
Total allowance as a percentage of total loans/leases |  |  |  |  | 1.52% |  | 1.52% |
Commercial Real Estate Portfolio Segment [Member] |  |  |  |  |  |  |  |
Balance |  | 11,670,609 |  | 9,375,117 |  |  |  |
Provisions (credits) charged to expense |  | 966,271 |  | 715,450 |  |  |  |
Loans/leases charged off |  |  |  |  |  |  |  |
Recoveries on loans/leases previously charged off |  | 6,386 |  |  |  |  |  |
Balance |  | 12,643,266 |  | 10,090,567 |  |  |  |
Allowance for impaired loans/leases |  |  |  |  | $ 888,445 |  | $ 693,919 |
Allowance for nonimpaired loans/leases |  |  |  |  | 11,754,821 |  | 10,976,690 |
Less allowance for estimated losses on loans/leases |  | 11,670,609 |  | 9,375,117 | 12,643,266 |  | 11,670,609 |
Impaired loans/leases |  |  |  |  | 5,924,061 |  | 6,112,114 |
Nonimpaired loans/leases |  |  |  |  | 1,100,917,660 |  | 1,087,346,746 |
Loans |  |  |  |  | $ 1,106,841,721 |  | $ 1,093,458,860 |
Allowance as a percentage of impaired loans/leases |  |  |  |  | 15.00% |  | 11.35% |
Allowance as a percentage of nonimpaired loans/leases |  |  |  |  | 1.07% |  | 1.01% |
Total allowance as a percentage of total loans/leases |  |  |  |  | 1.14% |  | 1.07% |
Finance Leases Portfolio Segment [Member] |  |  |  |  |  |  |  |
Balance |  | 3,111,898 | [1] | 3,395,088 |  |  |  |
Provisions (credits) charged to expense |  | 505,015 |  | 478,245 |  |  |  |
Loans/leases charged off |  | (658,684) |  | (600,938) |  |  |  |
Recoveries on loans/leases previously charged off |  | 20,031 |  | 14,836 |  |  |  |
Balance |  | 2,978,260 | [1] | 3,287,231 |  |  |  |
Allowance for impaired loans/leases |  |  |  |  | $ 795,840 |  | $ 848,919 |
Allowance for nonimpaired loans/leases |  |  |  |  | 2,182,420 |  | 2,262,979 |
Less allowance for estimated losses on loans/leases |  | 2,978,260 | [1] | 3,395,088 | 2,978,260 | [1] | 3,111,898 | [1]
Impaired loans/leases |  |  |  |  | 3,082,068 |  | 3,256,264 |
Nonimpaired loans/leases |  |  |  |  | 156,286,357 |  | 162,163,096 |
Loans | [1],[2] |  |  |  | $ 159,368,425 |  | $ 165,419,360 |
Allowance as a percentage of impaired loans/leases |  |  |  |  | 25.82% |  | 26.07% |
Allowance as a percentage of nonimpaired loans/leases |  |  |  |  | 1.40% |  | 1.40% |
Total allowance as a percentage of total loans/leases |  |  |  |  | 1.87% |  | 1.88% |
Residential Portfolio Segment [Member] |  |  |  |  |  |  |  |
Balance |  | 2,342,344 |  | 1,790,150 |  |  |  |
Provisions (credits) charged to expense |  | 43,520 |  | 62,656 |  |  |  |
Loans/leases charged off |  | (13,623) |  | (16,184) |  |  |  |
Recoveries on loans/leases previously charged off |  | 3,623 |  |  |  |  |  |
Balance |  | 2,375,864 |  | 1,836,622 |  |  |  |
Allowance for impaired loans/leases |  |  |  |  | $ 274,566 |  | $ 289,112 |
Allowance for nonimpaired loans/leases |  |  |  |  | 2,101,298 |  | 2,053,232 |
Less allowance for estimated losses on loans/leases |  | 2,342,344 |  | 1,790,150 | 2,375,864 |  | 2,342,344 |
Impaired loans/leases |  |  |  |  | 1,780,774 |  | 1,661,180 |
Nonimpaired loans/leases |  |  |  |  | 229,545,125 |  | 227,571,924 |
Loans | [2],[3] |  |  |  | $ 231,325,899 |  | $ 229,233,104 |
Allowance as a percentage of impaired loans/leases |  |  |  |  | 15.42% |  | 17.40% |
Allowance as a percentage of nonimpaired loans/leases |  |  |  |  | 0.92% |  | 0.90% |
Total allowance as a percentage of total loans/leases |  |  |  |  | 1.03% |  | 1.02% |
Consumer Portfolio Segment [Member] |  |  |  |  |  |  |  |
Balance |  | 1,087,487 |  | 1,096,471 |  |  |  |
Provisions (credits) charged to expense |  | (3,056) |  | 76,803 |  |  |  |
Loans/leases charged off |  | (2,046) |  | (7,596) |  |  |  |
Recoveries on loans/leases previously charged off |  | 25,285 |  | 23,365 |  |  |  |
Balance |  | 1,107,670 |  | 1,189,043 |  |  |  |
Allowance for impaired loans/leases |  |  |  |  | $ 37,932 |  | $ 39,481 |
Allowance for nonimpaired loans/leases |  |  |  |  | 1,069,738 |  | 1,048,006 |
Less allowance for estimated losses on loans/leases |  | $ 1,087,487 |  | $ 1,096,471 | 1,107,670 |  | 1,087,487 |
Impaired loans/leases |  |  |  |  | 224,727 |  | 106,090 |
Nonimpaired loans/leases |  |  |  |  | 78,546,120 |  | 81,559,605 |
Loans | [2] |  |  |  | $ 78,770,847 |  | $ 81,665,695 |
Allowance as a percentage of impaired loans/leases |  |  |  |  | 16.88% |  | 37.21% |
Allowance as a percentage of nonimpaired loans/leases |  |  |  |  | 1.36% |  | 1.28% |
Total allowance as a percentage of total loans/leases |  |  |  |  | 1.41% |  | 1.33% |
[1] | Management performs an evaluation of the estimated unguaranteed residual values of leased assets on an annual basis, at a minimum. The evaluation consists of discussions with reputable and current vendors, which is combined with management's expertise and understanding of the current states of particular industries to determine informal valuations of the equipment. As necessary and where available, management will utilize valuations by independent appraisers. The large majority of leases with residual values contain a lease options rider, which requires the lessee to pay the residual value directly, finance the payment of the residual value, or extend the lease term to pay the residual value. In these cases, the residual value is protected and the risk of loss is minimal. There were no losses related to residual values for the three months ended March 31, 2017 and 2016.
[2] | Performing = loans/leases accruing and less than 90 days past due. Nonperforming = loans/leases on nonaccrual, accruing loans/leases that are greater than or equal to 90 days past due, and accruing TDRs.
[3] | Includes residential real estate loans held for sale totaling $1,051,000 and $1,135,500 as of March 31, 2017, and December 31, 2016, respectively.

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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=84173941&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 before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes 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 45 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=82891408&loc=d3e4428-111522 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=84173941&loc=d3e5074-111524 + Details
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