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Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)

3 Months Ended

Mar. 31, 2017

Notes Tables

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

		A ctivity in the Allowance for Loan Losses for the Three Months Ended March 31, 2017
		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, 2016		$	438			$	1,830			$	3,738			$	1,063			$	330			$	644			$	257			$	8,300
Charge-offs			---				---				(30	)			---				---				(113	)			---				(143	)
Recoveries			---				---				12				4				---				29				---				45
Provision for loan losses			(61	)			(84	)			(103	)			75				87				56				89				59
Balance, March 31, 2017		$	377			$	1,746			$	3,617			$	1,142			$	417			$	616			$	346			$	8,261

		A ctivity in the Allowance for Loan Losses for the Three Months Ended March 31, 2016
		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, 2015		$	576			$	1,866			$	4,109			$	655			$	436			$	627			$	28			$	8,297
Charge-offs			(29	)			(22	)			(124	)			(211	)			---				(67	)			---				(453	)
Recoveries			---				1				38				---				---				21				---				60
Provision for loan losses			(93	)			(115	)			(74	)			308				(25	)			3				199				203
Balance, March 31, 2016		$	454			$	1,730			$	3,949			$	752			$	411			$	584			$	227			$	8,107

		A ctivity in the Allowance for Loan Losses for the Year Ended December 31, 201 6
		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, 2015		$	576			$	1,866			$	4,109			$	655			$	436			$	627			$	28			$	8,297
Charge-offs			(29	)			(133	)			(488	)			(883	)			---				(273	)			---				(1,806	)
Recoveries			---				2				83				10				---				64				---				159
Provision for loan losses			(109	)			95				34				1,281				(106	)			226				229				1,650
Balance, December 31, 2016		$	438			$	1,830			$	3,738			$	1,063			$	330			$	644			$	257			$	8,300

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]

		Allowance for Loan Losses as of March 31, 2017
		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		$	---			$	24			$	1			$	---			$	---			$	---			$	---			$	25
Collectively evaluated for impairment			377				1,722				3,616				1,142				417				616				346				8,236
Total		$	377			$	1,746			$	3,617			$	1,142			$	417			$	616			$	346			$	8,261

		Allowance for Loan Losses as of December 31, 201 6
		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		$	---			$	25			$	1			$	---			$	---			$	---			$	---			$	26
Collectively evaluated for impairment			438				1,805				3,737				1,063				330				644				257				8,274
Total		$	438			$	1,830			$	3,738			$	1,063			$	330			$	644			$	257			$	8,300

		Loans as of March 31, 2017
		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		$	266			$	867			$	7,726			$	205			$	---			$	2			$	---			$	9,066
Collectively evaluated for impairment			33,234				158,657				327,395				41,100				50,575				33,044				---				644,005
Total		$	33,500			$	159,524			$	335,121			$	41,305			$	50,575			$	33,046			$	---			$	653,071

		Loans as of December 31, 201 6
		Real Estate Construction				Consumer Real Estate				Commercia l Real Estate				Commercial Non Real Estate				Public Sector and IDA				Consumer Non Real Estate				Unallocated				Total
Individually evaluated for impairment		$	270			$	877			$	7,782			$	241			$	---			$	3			$	---			$	9,173
Collectively evaluated for impairment			36,075				156,841				328,675				38,783				45,474				33,525				---				639,373
Total		$	36,345			$	157,718			$	336,457			$	39,024			$	45,474			$	33,528			$	---			$	648,546

Schedule of Ratios for Allowance for Loan Losses [Table Text Block]

		As of the Three Months Ended March 31 ,								For t he Year E nded December 31,
		201 7				20 16				20 16
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees			1.27	%			1.33	%			1.28	%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees (1)			0.06	%			0.26	%			0.26	%

Schedule of Nonperforming Assets [Table Text Block]

		March 31,								December 31,
		201 7				20 16				20 16
Nonperforming assets:
Nonaccrual loans		$	1,040			$	1,901			$	1,168
Restructured loans in nonaccrual			4,640				4,504				4,687
Total nonperforming loans			5,680				6,405				5,855
Other real estate owned, net			2,952				3,612				3,156
Total nonperforming assets		$	8,632			$	10,017			$	9,011
Ratio of nonperforming assets to loans, net of unearned income and deferred fees, plus other real estate owned			1.32	%			1.64	%			1.38	%
Ratio of allowance for loan losses to nonperforming loans ( 1 )			145.44	%			126.57	%			141.76	%

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

		March 31 ,								December 31,
		201 7				20 16				20 16
Loans past due 90 days or more and still accruing		$	63			$	328			$	63
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees			0.01	%			0.05	%			0.01	%
Accruing restructured loans		$	3,747			$	7,724			$	3,769
Impaired loans :
Impaired loans with no valuation allowance		$	8,172			$	12,171			$	8,269
Impaired loans with a valuation allowance			894				1,818				904
Total impaired loans		$	9,066			$	13,989			$	9,173
Valuation allowance			(25	)			(80	)			(26	)
Impaired loans, net of allowance		$	9,041			$	13,909			$	9,147
Average recorded investment in impaired loans (1)		$	9,123			$	14,796			$	11,585
Interest i ncome recognized on impaired loans, after designation as impaired		$	67			$	125			$	553
Amount of income recognized on a cash basis		$	---			$	---			$	---

Impaired Financing Receivables [Table Text Block]

		Impaired Loans as of March 31, 2017
		Principal Balance				Total Recorded Investment (1)				Recorded Investment (1 ) for Which There is No Related Allowance				Recorded Investment (1) for Which There is a Related Allowance				Related Allowance
Real Estate Construction (2)
Construction 1-4 family residential		$	280			$	266			$	266			$	---			$	---
Co nsumer Real Estate (2)
Residential closed-end first liens			642				604				266				338				13
Residential closed-end junior liens			191				191				---				191				7
Investor-owned residential real estate			72				72				---				72				4
Commercial Real Estate (2)
Multifamily real estate			1,364				1,091				1,091				---				---
Commercial real estate, owner-occupied			3,990				3,940				3,647				293				1
Commercial real estate, other			2,974				2,695				2,695				---				---
Commercial Non Real Estate (2)
Commercial and industrial			221				205				205				---				---
Consumer Non Real Estate
Automobile			3				2				2				---				---
Total		$	9,737			$	9,066			$	8,172			$	894			$	25

		Impaired Loans as of December 31, 201 6
		Principal Balance				Total Recorded Investment (1)				Recorded Investment (1) for Which There is No Related Allowance				Recorded Investment (1) for Which There is a Related Allowance				Related Allowance
Real Estate Construction (2)
Construction 1-4 family residential		$	280			$	270			$	270			$	---			$	---
Co nsumer Real Estate (2)
Residential closed-end first liens			648				609				267				342				14
Residential closed-end junior liens			195				195				---				195				7
Investor-owned residential real estate			73				73				---				73				4
Commercial Real Estate (2)
Multifamily real estate			1,364				1,091				1,091				---				---
Commercial real estate, owner occupied			4,005				3,957				3,663				294				1
Commercial real estate, other			2,997				2,734				2,734				---				---
Commercial Non Real Estate (2)
Commercial and industrial			255				241				241				---				---
Consumer Non Real Estate (2)
Automobile			3				3				3				---				---
Total		$	9,820			$	9,173			$	8,269			$	904			$	26

Impaired Financing Receivable Average Investment And Interest Income [Table Text Block]

		For the Three Months Ended March 31, 2017
		Average Recorded Investment (1)				Interest Income Recognized
Real Estate Construction (2)
Construction 1-4 family residential		$	267			$	3
Co nsumer Real Estate (2)
Residential closed-end first liens			606				9
Residential closed-end junior liens			193				3
Investor-owned residential real estate			73				1
Commercial Real Estate (2)
Multifamily real estate			1,091				---
Commercial real estate, owner occupied			3,945				32
Commercial real estate, other			2,708				17
Commercial Non Real Estate (2)
Commercial and industrial			237				2
Consumer Non Real Estate
Automobile			3				---
Total		$	9,123			$	67

		For the Three Months Ended March 31, 2016
		Average Recorded Investment (1)				Interest Income Recognized
Real Estate Construction (2)
Construction 1-4 family residential		$	682			$	---
Co nsumer Real Estate (2)
Residential closed-end first liens			667				10
Residential closed-end junior liens			216				4
Investor-owned residential real estate			75				1
Commercial Real Estate (2)
Multifamily real estate			1,595				---
Commercial real estate, owner occupied			4,949				68
Commercial real estate, other			5,793				42
Commercial Non Real Estate (2)
Commercial and Industrial			819				---
Total		$	14,796			$	125

		For the Year Ended December 31, 201 6
		Average Recorded Investment (1)				Interest Income Recognized
Real Estate Construction (2)
Construction 1-4 family residential		$	462			$	10
Consumer Real Estate (2)
Residential closed-end first liens			642				38
Residential closed-end junior liens			207				13
Investor-owned residential real estate			74				4
Commercial Real Estate (2)
Multifamily real estate			1,366				12
Commercial real estate, owner occupied			4,342				206
Commercial real estate, other			3,947				263
Commercial Non Real Estate (2)
Commercial and industrial			541				7
Co nsumer Non Real Estate (2)
Automobile			4				---
Total		$	11,585			$	553

Past Due Financing Receivables [Table Text Block]

March 31, 2017
		3 0 – 89 Days Past Due				90 or M ore Days Past Due				90 or More Days Past Due and Still Accruing				Nonaccruals (I ncluding Impaired Nonaccruals)
Real Estate Construction (1)
Construction residential		$	---			$	---			$	---			$	266
Consumer Real Estate (1)
Equity lines			73				---				---				---
Residential closed-end first liens			1,197				6				6				---
Residential closed-end junior liens			218				36				36				---
Investor-owned residential real estate			---				242				---				242
Commercial Real Estate (1)
Multifamily real estate			---				1,091				---				1,091
Commercial real estate, owner-occupied			270				1,178				---				1,178
Commercial real estate, other			---				---				---				2,695
Commercial Non Real Estate (1)
Commercial and industrial			36				186				1				205
Consumer Non Real Estate (1)
Credit cards			10				1				1				---
Automobile			290				15				15				3
Other consumer loans			64				4				4				---
Total		$	2,158			$	2,759			$	63			$	5,680

December 31, 201 6
		3 0 – 89 Days Past Due				90 or M ore Days Past Due				90 or More Days Past Due and Still Accruing				Nonaccruals (I ncluding Impaired Nonaccruals)
Real Estate Construction
Construction, residential		$	---			$	---			$	---			$	270
Construction, other			25				---				---				---
Consumer Real Estate
Equity lines			10				---				---				---
Residential closed-end first liens			1,498				6				6				---
Residential closed-end junior liens			114				36				36				---
Investor-owned residential real estate			56				234				---				253
Commercial Real Estate
Multifamily real estate			132				1,091				---				1,091
Commercial real estate, owner occupied			339				202				---				1,183
Commercial real estate, other			---				80				---				2,814
Commercial Non Real Estate
Commercial and industrial			6				218				---				241
Public Sector and IDA
Public sector and IDA			---				---				---				---
Consumer Non Real Estate
Credit cards			8				5				5				---
Automobile			234				12				12				3
Other consumer loans			131				4				4				---
Total		$	2,553			$	1,888			$	63			$	5,855

Financing Receivable Credit Quality Indicators [Table Text Block]

		Pass				Special Mention (Excluding Impaired)				Classified (Excluding Impaired)
Real Estate Construction
Construction, 1-4 family residential		$	10,950			$	3,301			$	---
Construction, other			18,983				---				---
Consumer Real Estate
Equity lines			17,012				48				49
Closed-end first liens			84,807				870				583
Closed-end junior liens			4,775				15				66
Investor-owned residential real estate			49,561				330				541
Commercial Real Estate
Multifamily residential real estate			99,587				959				441
Commercial real estate owner-occupied			114,009				946				1,329
Commercial real estate, other			108,598				1,526				---
Commercial Non Real Estate
Commercial and i ndustrial			38,343				2,739				18
Public Sector and IDA
States and political subdivisions			50,575				---				---
Consumer Non Real Estate
Credit cards			5,483				---				---
Automobile			14,984				27				166
Other consumer			11,753				619				12
Total		$	629,420			$	11,380			$	3,205

		Pass				Special Mention (Excluding Impaired)				Classified (Excluding Impaired)
Real Estate Construction
Construction, 1-4 family residential		$	11,635			$	3,468			$	---
Construction, other			20,972				---				---
Consumer Real Estate
Equity lines			17,034				82				---
Closed-end first liens			83,658				1,267				580
Closed-end junior liens			4,861				15				151
Investor-owned residential real estate			48,277				333				583
Commercial Real Estate
Multifamily residential real estate			99,002				1,733				---
Commercial real estate owner-occupied			120,170				1,188				1,425
Commercial real estate, other			103,534				1,543				80
Commercial Non Real Estate
Commercial and i ndustrial			35,521				3,229				33
Public Sector and IDA
States and political subdivisions			45,474				---				---
Consumer Non Real Estate
Credit cards			5,978				---				---
Automobile			14,457				25				192
Other consumer			12,229				636				8
Total		$	622,802			$	13,519			$	3,052

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