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Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)
12 Months Ended
Dec. 31, 2015
Disclosure Text Block Supplement [Abstract]  
Allowance for Credit Losses on Financing Receivables [Table Text Block]
   

Years ended December 31,

 
   

2015

   

2014

   

2013

 

Balance at beginning of year

  $ 8,263     $ 8,227     $ 8,349  

Loans charged off

    (2,120

)

    (1,860

)

    (1,820

)

Recoveries of loans previously charged off

    145       255       167  

Provision for loan losses

    2,009       1,641       1,531  

Balance at end of year

  $ 8,297     $ 8,263     $ 8,227  
   

Activity in the Allowance for Loan Losses by Segment for the year ended December 31, 2015

 
   

Real Estate

Construction

   

Consumer

Real Estate

   

Commercial

Real Estate

   

Commercial

Non Real

Estate

   

Public

Sector and

IDA

   

Consumer

Non Real

Estate

   

Unallocated

   

Total

 

Balance, December 31, 2014

  $ 612     $ 1,662     $ 3,537     $ 1,475     $ 327     $ 602     $ 48     $ 8,263  

Charge-offs

    ---       (205

)

    (1,114

)

    (490

)

    ---       (311

)

    ---       (2,120

)

Recoveries

    ---       2       49       1       ---       93       ---       145  

Provision for loan losses

    (36

)

    407       1,637       (331

)

    109       243       (20

)

    2,009  

Balance, December 31, 2015

  $ 576     $ 1,866     $ 4,109     $ 655     $ 436     $ 627     $ 28     $ 8,297  
   

Activity in the Allowance for Loan Losses by Segment for the year ended December 31, 2014

 
   

Real Estate

Construction

   

Consumer

Real Estate

   

Commercial

Real Estate

   

Commercial

Non Real

Estate

   

Public

Sector and

IDA

   

Consumer

Non Real

Estate

   

Unallocated

   

Total

 

Balance, December 31, 2013

  $ 863     $ 1,697     $ 3,685     $ 989     $ 132     $ 576     $ 285     $ 8,227  

Charge-offs

    (2

)

    (222

)

    (1,201

)

    (89

)

    ---       (346

)

    ---       (1,860

)

Recoveries

    ---       ---       50       132       ---       73       ---       255  

Provision for loan losses

    (249

)

    187       1,003       443       195       299       (237

)

    1,641  

Balance, December 31, 2014

  $ 612     $ 1,662     $ 3,537     $ 1,475     $ 327     $ 602     $ 48     $ 8,263  
   

Activity in the Allowance for Loan Losses by Segment for the year ended December 31, 2013

 
   

Real Estate

Construction

   

Consumer

Real Estate

   

Commercial

Real Estate

   

Commercial

Non Real

Estate

   

Public

Sector and

IDA

   

Consumer

Non Real

Estate

   

Unallocated

   

Total

 

Balance, December 31, 2012

  $ 1,070     $ 2,263     $ 3,442     $ 959     $ 142     $ 424     $ 49     $ 8,349  

Charge-offs

    (184

)

    (256

)

    (64

)

    (968

)

    ---       (348

)

    ---       (1,820

)

Recoveries

    44       1       25       18       ---       79       ---       167  

Provision for loan losses

    (67

)

    (311

)

    282       980       (10

)

    421       236       1,531  

Balance, December 31, 2013

  $ 863     $ 1,697     $ 3,685     $ 989     $ 132     $ 576     $ 285     $ 8,227  
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]
   

Allowance for Loan Losses by Segment and Evaluation Method as of

 
   

December 31, 2015

 
   

Real Estate

Construction

   

Consumer

Real Estate

   

Commercial

Real Estate

   

Commercial

Non Real

Estate

   

Public

Sector and

IDA

   

Consumer

Non Real

Estate

   

Unallocated

   

Total

 

Individually evaluated for impairment

  $ ---     $ 22     $ 23     $ ---     $ ---     $ ---     $ ---     $ 45  

Collectively evaluated for impairment

    576       1,844       4,086       655       436       627       28       8,252  

Total

  $ 576     $ 1,866     $ 4,109     $ 655     $ 436     $ 627     $ 28     $ 8,297  
   

Loans by Segment and Evaluation Method as of

 
   

December 31, 2015

 
   

Real Estate

Construction

   

Consumer

Real Estate

   

Commercial

Real Estate

   

Commercial

Non Real

Estate

   

Public

Sector and

IDA

   

Consumer

Non Real

Estate

   

Unallocated

   

Total

 

Individually evaluated for impairment

  $ 718     $ 962     $ 12,575     $ 1,091     $ ---     $ ---     $ ---     $ 15,346  

Collectively evaluated for impairment

    47,533       142,542       296,803       36,480       51,335       29,845       ---       604,538  

Total

  $ 48,251     $ 143,504     $ 309,378     $ 37,571     $ 51,335     $ 29,845     $ ---     $ 619,884  
   

Allowance for Loan Losses by Segment and Evaluation Method as of

 
   

December 31, 2014

 
   

Real Estate

Construction

   

Consumer

Real Estate

   

Commercial

Real Estate

   

Commercial

Non Real

Estate

   

Public

Sector and

IDA

   

Consumer

Non Real

Estate

   

Unallocated

   

Total

 

Individually evaluated for impairment

  $ ---     $ 14     $ 258     $ 10     $ ---     $ ---     $ ---     $ 282  

Collectively evaluated for impairment

    612       1,648       3,279       1,465       327       602       48       7,981  

Total

  $ 612     $ 1,662     $ 3,537     $ 1,475     $ 327     $ 602     $ 48     $ 8,263  
   

Loans by Segment and Evaluation Method as of

 
   

December 31, 2014

 
   

Real Estate

Construction

   

Consumer

Real Estate

   

Commercial

Real Estate

   

Commercial

Non Real

Estate

   

Public

Sector and

IDA

   

Consumer

Non Real

Estate

   

Unallocated

   

Total

 

Individually evaluated for impairment

  $ ---     $ 819     $ 13,624     $ 678     $ ---     $ ---     $ ---     $ 15,121  

Collectively evaluated for impairment

    45,562       146,220       297,138       32,735       41,361       28,182       ---       591,198  

Total

  $ 45,562     $ 147,039     $ 310,762     $ 33,413     $ 41,361     $ 28,182     $ ---     $ 606,319  
Schedule of Ratios for Allowance for Loan Losses [Table Text Block]
   

December 31,

 
   

2015

   

2014

 

Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees

    1.34

%

    1.36

%

Ratio of net charge-offs to average loans, net of unearned income and deferred fees

    0.32

%

    0.27

%

Schedule of Nonperforming Assets [Table Text Block]
   

December 31,

 
   

2015

   

2014

 

Nonperforming assets:

               

Nonaccrual loans

  $ 2,043     $ 3,999  

Restructured loans in nonaccrual

    4,639       5,288  

Total nonperforming loans

    6,682       9,287  

Other real estate owned, net

    4,165       4,744  

Total nonperforming assets

  $ 10,847     $ 14,031  

Ratio of nonperforming assets to loans, net of unearned income and deferred fees, plus other real estate owned

    1.74

%

    2.30

%

Ratio of allowance for loan losses to nonperforming loans(1)

    124.17

%

    88.97

%

Summary of Past Due 90 Days Loans Or More and Impaired Loans [Table Text Block]
   

December 31,

 
   

2015

   

2014

 

Loans past due 90 days or more and still accruing

  $ 156     $ 207  

Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees

    0.03

%

    0.03

%

Accruing restructured loans

  $ 8,814     $ 6,040  

Impaired loans:

               

Impaired loans with no valuation allowance

  $ 12,973     $ 7,615  

Impaired loans with a valuation allowance

    2,373       7,506  

Total impaired loans

    15,346       15,121  

Valuation allowance

    (45

)

    (282

)

Impaired loans, net of allowance

  $ 15,301     $ 14,839  

Average recorded investment in impaired loans(1)

  $ 17,297     $ 16,311  

Income recognized on impaired loans, after designation as impaired

  $ 769     $ 473  

Amount of income recognized on a cash basis

  $ ---     $ ---  
Impaired Financing Receivables [Table Text Block]
   

Impaired Loans as of December 31, 2015

 
   

Principal

Balance

   

(A)

Total

Recorded

Investment(1)

   

Recorded

Investment(1) in (A)

for Which There is

No Related

Allowance

   

Recorded

Investment(1) in

(A) for Which

There is a Related

Allowance

   

Related

Allowance

 

Real Estate Construction(2)

                                       

Construction 1-4 family residential

  $ 718     $ 718     $ 718     $ ---     $ ---  

Consumer Real Estate(2)

                                       

Residential closed-end first liens

    713       669       305       364       13  

Residential closed-end junior liens

    218       218       ---       218       5  

Investor-owned residential real estate

    75       75       ---       75       4  
                                         

Commercial Real Estate(2)

                                       

Multifamily real estate

    1,988       1,728       1,728       ---       ---  

Commercial real estate, owner occupied

    5,068       5,020       3,304       1,716       23  

Commercial real estate, other

    5,990       5,827       5,827       ---       ---  
                                         

Commercial Non Real Estate(2)

                                       

Commercial and Industrial

    1,099       1,091       1,091       ---       ---  

Total

  $ 15,869     $ 15,346     $ 12,973     $ 2,373     $ 45  
   

Impaired Loans as of December 31, 2014

 
   

Principal

Balance

   

(A)

Total

Recorded

Investment(1)

   

Recorded

Investment(1) in (A)

for Which There is

No Related

Allowance

   

Recorded

Investment(1) in

(A) for Which

There is a Related

Allowance

   

Related

Allowance

 

Consumer Real Estate(2)

                                       

Residential closed-end first liens

  $ 530     $ 503     $ 311     $ 192     $ 2  

Residential closed-end junior liens

    239       239       ---       239       8  

Investor-owned residential real estate

    77       77       ---       77       4  
                                         

Commercial Real Estate(2)

                                       

Multifamily real estate

    2,911       2,735       868       1,866       170  

Commercial real estate, owner occupied

    4,919       4,821       3,314       1,508       74  

Commercial real estate, other

    6,080       6,068       3,072       2,996       14  
                                         

Commercial Non Real Estate(2)

                                       

Commercial and Industrial

    678       678       50       628       10  

Total

  $ 15,434     $ 15,121     $ 7,615     $ 7,506     $ 282  
Impaired Financing Receivable, Average Investment and Interest Income [Table Text Block]
   

Average Investment and Interest

Income for Impaired Loans

For the Year Ended

December 31, 2015

 
   

Average

Recorded

Investment(1)

   

Interest

Income

Recognized

 

Real Estate Construction(2)

               

Construction 1-4 family residential

  $ 612     $ 23  

Consumer Real Estate(2)

               

Residential closed-end first liens

    681       43  

Residential closed-end junior liens

    228       15  

Investor-owned residential real estate

    76       5  
                 

Commercial Real Estate(2)

               

Multifamily real estate

    2,581       84  

Commercial real estate, owner occupied

    6,141       251  

Commercial real estate, other

    5,888       308  
                 

Commercial Non Real Estate(2)

               

Commercial and Industrial

    1,090       40  

Total

  $ 17,297     $ 769  
   

Average Investment and Interest

Income for Impaired Loans

For the Year Ended

December 31, 2014

 
   

Average

Recorded

Investment(1)

   

Interest

Income

Recognized

 

Consumer Real Estate(2)

               

Residential closed-end first liens

  $ 555     $ 31  

Residential closed-end junior liens

    249       16  

Investor-owned residential real estate

    77       5  
                 

Commercial Real Estate(2)

               

Multifamily real estate

    2,773       ---  

Commercial real estate, owner occupied

    5,836       203  

Commercial real estate, other

    6,114       175  
                 

Commercial Non Real Estate(2)

               

Commercial and Industrial

    707       43  

Total

  $ 16,311     $ 473  
   

Average Investment and Interest

Income for Impaired Loans

For the Year Ended

December 31, 2013

 
   

Average

Recorded

Investment(1)

   

Interest

Income

Recognized

 

Real Estate Construction(2)

               

Construction, residential

  $ 40     $ ---  

Construction, other

    2,885       ---  
                 

Consumer Real Estate(2)

               

Residential closed-end first liens

    364       3  

Residential closed-end junior liens

    280       9  

Investor-owned residential real estate

    131       6  
                 

Commercial Real Estate(2)

               

Multifamily real estate

    4,172       ---  

Commercial real estate, owner occupied

    5,265       136  

Commercial real estate, other

    3,369       110  
                 

Commercial Non Real Estate(2)

               

Commercial and Industrial

    117       3  
                 

Consumer Non Real Estate(2)

               

Automobile

    31       ---  

Total

  $ 16,654     $ 267  
Past Due Financing Receivables [Table Text Block]

December 31, 2015

                               
   

30 – 89

Days Past

Due

   

90 or More

Days Past Due

   

90 or More

Days Past Due

and Still

Accruing

   

Nonaccruals (Including

Impaired Nonaccruals)

 

Real Estate Construction

                               

Construction, residential

  $ ---     $ ---     $ ---     $ 718  

Construction, other

    26       ---       ---       ---  
                                 

Consumer Real Estate

                               

Equity lines

    16       ---       ---       ---  

Residential closed-end first liens

    1,402       106       106       14  

Residential closed-end junior liens

    123       39       39       ---  

Investor-owned residential real estate

    248       ---       ---       ---  
                                 

Commercial Real Estate

                               

Multifamily real estate

    684       1,728       ---       1,728  

Commercial real estate, owner occupied

    ---       357       ---       494  

Commercial real estate, other

    ---       ---       ---       2,845  
                                 

Commercial Non Real Estate

                               

Commercial and Industrial

    142       883       ---       883  
                                 

Public Sector and IDA

                               

Public sector and IDA

    ---       ---       ---       ---  
                                 

Consumer Non Real Estate

                               

Credit cards

    5       6       6       ---  

Automobile

    286       5       5       ---  

Other consumer loans

    60       ---       ---       ---  

Total

  $ 2,992     $ 3,124     $ 156     $ 6,682  

December 31, 2014

                               
   

30 – 89

Days Past

Due

   

90 or More

Days Past Due

   

90 or More

Days Past Due

and Still

Accruing

   

Nonaccruals (Including

Impaired Nonaccruals)

 

Real Estate Construction

                               

Construction, residential

  $ ---     $ ---     $ ---     $ ---  

Construction, other

    28       ---       ---       ---  
                                 

Consumer Real Estate

                               

Equity lines

    25       ---       ---       ---  

Residential closed-end first liens

    719       185       80       105  

Residential closed-end junior liens

    74       1       1       ---  

Investor-owned residential real estate

    336       45       ---       59  
                                 

Commercial Real Estate

                               

Multifamily real estate

    850       868       ---       2,735  

Commercial real estate, owner occupied

    ---       1,066       102       2,573  

Commercial real estate, other

    ---       70       ---       3,066  
                                 

Commercial Non Real Estate

                               

Commercial and Industrial

    153       43       ---       749  
                                 

Public Sector and IDA

                               

Public sector and IDA

    ---       ---       ---       ---  
                                 

Consumer Non Real Estate

                               

Credit cards

    3       4       4       ---  

Automobile

    205       20       20       ---  

Other consumer loans

    54       ---       ---       ---  

Total

  $ 2,447     $ 2,302     $ 207     $ 9,287  
Financing Receivable Credit Quality Indicators [Table Text Block]
   

Pass

   

Special

Mention

(Excluding

Impaired)

   

Classified

(Excluding

Impaired)

 

Real Estate Construction

                       

Construction, 1-4 family residential

  $ 10,626     $ 3,694     $ ---  

Construction, other

    33,213       ---       ---  
                         

Consumer Real Estate

                       

Equity lines

    16,236       15       87  

Closed-end first liens

    78,614       708       1,370  

Closed-end junior liens

    4,983       55       61  

Investor-owned residential real estate

    39,616       31       766  
                         

Commercial Real Estate

                       

Multifamily residential real estate

    77,060       ---       1,804  

Commercial real estate owner-occupied

    121,741       1,165       1,274  

Commercial real estate, other

    93,701       58       ---  
                         

Commercial Non Real Estate

                       

Commercial and Industrial

    35,652       285       543  
                         

Public Sector and IDA

                       

States and political subdivisions

    51,335       ---       ---  
                         

Consumer Non Real Estate

                       

Credit cards

    5,773       ---       ---  

Automobile

    12,414       102       138  

Other consumer

    11,359       31       28  

Total

  $ 592,323     $ 6,144     $ 6,071  
   

Pass

   

Special

Mention

(Excluding

Impaired)

   

Classified

(Excluding

Impaired)

 

Real Estate Construction

                       

Construction, 1-4 family residential

  $ 14,222     $ ---     $ 2,265  

Construction, other

    29,047       ---       28  
                         

Consumer Real Estate

                       

Equity lines

    15,861       59       60  

Closed-end first liens

    78,806       1,566       1,412  

Closed-end junior liens

    4,258       21       95  

Investor-owned residential real estate

    42,781       688       614  
                         

Commercial Real Estate

                       

Multifamily residential real estate

    73,611       1,397       850  

Commercial real estate owner-occupied

    125,643       202       2,855  

Commercial real estate, other

    90,821       1,177       582  
                         

Commercial Non Real Estate

                       

Commercial and Industrial

    31,247       97       1,390  
                         

Public Sector and IDA

                       

States and political subdivisions

    41,361       ---       ---  
                         

Consumer Non Real Estate

                       

Credit cards

    5,705       ---       ---  

Automobile

    11,505       93       128  

Other consumer

    10,745       ---       6  

Total

  $ 575,613     $ 5,300     $ 10,285  
Troubled Debt Restructurings on Financing Receivables [Table Text Block]
   

Restructurings that occurred during the year ended

December 31, 2015

 
   

Number of

Contracts

   

Pre-

Modification

Outstanding

Recorded

Investment

   

Post-

Modification

Outstanding

Recorded

Investment(1)

 

Real Estate Construction

                       

Construction, 1-4 family residential

    2     $ 718     $ 718  
                         

Commercial Real Estate

                       

Commercial real estate owner-occupied

    3       2,710       2,623  

Commercial Non Real Estate

                       

Commercial and industrial

    1       200       200  

Total

    6     $ 3,628     $ 3,541  
   

Restructurings that occurred during the year ended

December 31, 2014

 
   

Number of

Contracts

   

Pre-

Modification

Outstanding

Recorded

Investment

   

Post-

Modification

Outstanding

Recorded

Investment(1)

 

Consumer Real Estate

                       

Closed-end first liens

    1     $ 126     $ 143  
                         

Commercial Real Estate

                       

Multifamily residential real estate

    1       2,484       2,484  

Commercial real estate owner-occupied

    1       184       208  

Commercial real estate non owner-occupied

    2       2,967       3,008  

Total

    5     $ 5,761     $ 5,843