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Note 4 - Loans and Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2014

Receivables [Abstract]

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

Loans are comprised of the following:		June 30,				December 31,
		2014				2013
Residential real estate		$	212,729			$	214,008
Commercial real estate:
Owner-occupied			93,763				94,586
Nonowner-occupied			66,652				62,108
Construction			33,071				28,972
Commercial and industrial			78,403				64,365
Consumer:
Automobile			40,422				38,811
Home equity			18,066				17,748
Other			44,812				45,721
			587,918				566,319
Less: Allowance for loan losses			7,928				6,155
Loans, net		$	579,990			$	560,164

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

June 30, 2014		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,516			$	2,740			$	1,357			$	849			$	6,462
Provision for loan losses			444				383				201				358				1,386
Loans charged off			(139	)			----				(4	)			(197	)			(340	)
Recoveries			136				48				97				139				420
Total ending allowance balance		$	1,957			$	3,171			$	1,651			$	1,149			$	7,928

June 30, 2013		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,314			$	3,744			$	761			$	853			$	6,672
Provision for loan losses			(182	)			(715	)			565				143				(189	)
Loans charged-off			(100	)			----				----				(284	)			(384	)
Recoveries			160				5				16				188				369
Total ending allowance balance		$	1,192			$	3,034			$	1,342			$	900			$	6,468

June 30, 2014		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,250			$	2,807			$	1,305			$	793			$	6,155
Provision for loan losses			751				451				173				505				1,880
Loans charged off			(193	)			(157	)			(4	)			(452	)			(806	)
Recoveries			149				70				177				303				699
Total ending allowance balance		$	1,957			$	3,171			$	1,651			$	1,149			$	7,928

June 30, 2013		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,329			$	3,946			$	783			$	847			$	6,905
Provision for loan losses			145				(1,193	)			532				358				(158	)
Loans charged-off			(457	)			(2	)			----				(721	)			(1,180	)
Recoveries			175				283				27				416				901
Total ending allowance balance		$	1,192			$	3,034			$	1,342			$	900			$	6,468

Allowance for Loan Losses and the Recorded Investment of Loans [Table Text Block]

June 30, 2014		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	230			$	1,194			$	907			$	6			$	2,337
Collectively evaluated for impairment			1,727				1,977				744				1,143				5,591
Total ending allowance balance		$	1,957			$	3,171			$	1,651			$	1,149			$	7,928
Loans:
Loans individually evaluated for impairment		$	1,421			$	10,724			$	5,910			$	219			$	18,274
Loans collectively evaluated for impairment			211,308				182,762				72,493				103,081				569,644
Total ending loans balance		$	212,729			$	193,486			$	78,403			$	103,300			$	587,918

December 31, 2013		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	213			$	1,541			$	864			$	7			$	2,625
Collectively evaluated for impairment			1,037				1,266				441				786				3,530
Total ending allowance balance		$	1,250			$	2,807			$	1,305			$	793			$	6,155
Loans:
Loans individually evaluated for impairment		$	1,438			$	10,382			$	2,658			$	218			$	14,696
Loans collectively evaluated for impairment			212,570				175,284				61,707				102,062				551,623
Total ending loans balance		$	214,008			$	185,666			$	64,365			$	102,280			$	566,319

Schedule of Loans Individually Evaluated for Impairment [Table Text Block]

June 30, 2014		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Residential real estate		$	896			$	896			$	230
Commercial real estate:
Nonowner-occupied			3,303				3,303				1,194
Commercial and industrial			2,289				2,289				907
Consumer:
Home equity			219				219				6
With no related allowance recorded:
Residential real estate			525				525				----
Commercial real estate:
Owner-occupied			2,330				1,783				----
Nonowner-occupied			6,238				5,638				----
Commercial and industrial			4,026				3,621				----
Total		$	19,826			$	18,274			$	2,337

December 31, 2013		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Residential real estate		$	672			$	672			$	213
Commercial real estate:
Owner-occupied			290				290				157
Nonowner-occupied			3,357				3,357				1,384
Commercial and industrial			2,658				2,658				864
Consumer:
Home equity			218				218				7
With no related allowance recorded:
Residential real estate			766				766				----
Commercial real estate:
Owner-occupied			1,539				992				----
Nonowner-occupied			6,343				5,743				----
Commercial and industrial			412				----				----
Total		$	16,255			$	14,696			$	2,625

Impaired Financing Receivables [Table Text Block]

		Three months ended June 30, 2014												Six months ended June 30, 2014
		Average Impaired Loans				Interest Income Recognized				Cash Basis Interest Recognized				Average Impaired Loans				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Residential real estate		$	898			$	8			$	8			$	902			$	17			$	17
Commercial real estate:
Nonowner-occupied			3,317				40				40				3,330				74				74
Commercial and industrial			2,441				28				28				2,514				57				57
Consumer:
Home equity			219				2				2				219				4				4
With no related allowance recorded:
Residential real estate			525				6				6				526				14				14
Commercial real estate:
Owner-occupied			1,387				21				21				1,255				30				30
Nonowner-occupied			5,665				76				76				5,691				151				151
Commercial and industrial			1,811				79				79				1,207				79				79
Total		$	16,263			$	260			$	260			$	15,644			$	426			$	426

		Three months ended June 30, 2013												Six months ended June 30, 2013
		Average Impaired Loans				Interest Income Recognized				Cash Basis Interest Recognized				Average Impaired Loans				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Residential real estate		$	426			$	4			$	4			$	424			$	8			$	8
Commercial real estate:
Nonowner-occupied			3,438				12				12				3,450				53				53
Commercial and industrial			1,759				68				68				1,173				68				68
With no related allowance recorded:
Residential real estate			475				10				10				481				13				13
Commercial real estate:
Owner-occupied			1,391				19				19				1,362				22				22
Nonowner-occupied			6,549				93				93				6,717				186				186
Commercial and industrial			----				----				----				----				----				----
Consumer:
Home equity			----				----				----				----				3				3
Total		$	14,038			$	206			$	206			$	13,607			$	353			$	353

Schedule of Recorded Investment in Nonaccrual Loans [Table Text Block]

June 30, 2014		Loans Past Due 90 Days And Still Accruing				Nonaccrual
Residential real estate		$	94			$	3,058
Commercial real estate:
Owner-occupied			----				462
Commercial and industrial			----				2
Consumer:
Automobile			48				8
Home equity			----				55
Other			3				----
Total		$	145			$	3,585

December 31, 2013		Loans Past Due 90 Days And Still Accruing				Nonaccrual
Residential real estate		$	72			$	2,662
Commercial real estate:
Owner-occupied			----				799
Nonowner-occupied			----				52
Commercial and industrial			----				21
Consumer:
Automobile			5				8
Home equity			----				38
Other			1				----
Total		$	78			$	3,580

Past Due Financing Receivables [Table Text Block]

June 30, 2014		30-59 Days Past Due				60-89 Days Past Due				90 Days Or More Past Due				Total Past Due				Loans Not Past Due				Total
Residential real estate		$	2,237			$	721			$	2,772			$	5,730			$	206,999			$	212,729
Commercial real estate:
Owner-occupied			81				----				462				543				93,220				93,763
Nonowner-occupied			149				----				----				149				66,503				66,652
Construction			----				----				----				----				33,071				33,071
Commercial and industrial			758				156				2				916				77,487				78,403
Consumer:
Automobile			510				120				51				681				39,741				40,422
Home equity			130				26				55				211				17,855				18,066
Other			397				178				3				578				44,234				44,812
Total		$	4,262			$	1,201			$	3,345			$	8,808			$	579,110			$	587,918

December 31, 2013		30-59 Days Past Due				60-89 Days Past Due				90 Days Or More Past Due				Total Past Due				Loans Not Past Due				Total
Residential real estate		$	3,922			$	1,324			$	2,620			$	7,866			$	206,142			$	214,008
Commercial real estate:
Owner-occupied			206				34				683				923				93,663				94,586
Nonowner-occupied			----				----				52				52				62,056				62,108
Construction			60				----				----				60				28,912				28,972
Commercial and industrial			193				115				21				329				64,036				64,365
Consumer:
Automobile			638				123				13				774				38,037				38,811
Home equity			----				----				38				38				17,710				17,748
Other			651				38				1				690				45,031				45,721
Total		$	5,670			$	1,634			$	3,428			$	10,732			$	555,587			$	566,319

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms				Total TDR’s
June 30, 2014
Residential real estate
Interest only payments		$	525			$	----			$	525
Rate reduction			414				----				414
Commercial real estate:
Owner-occupied
Rate reduction			----				254				254
Maturity extension at lower stated rate than market rate			1,067				----				1,067
Nonowner-occupied
Interest only payments			8,303				----				8,303
Reduction of principal and interest payments			638				----				638
Commercial and industrial
Interest only payments			5,025				----				5,025
Consumer:
Home equity
Maturity extension at lower stated rate than market rate			219				----				219
Total TDR’s		$	16,191			$	254			$	16,445

		TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms				Total TDR’s
December 31, 2013
Residential real estate
Interest only payments		$	527			$	----			$	527
Rate reduction			420				----				420
Commercial real estate:
Owner-occupied
Rate reduction			----				259				259
Maturity extension at lower stated rate than market rate			271				----				271
Nonowner-occupied
Interest only payments			8,450				----				8,450
Reduction of principal and interest payments			650				----				650
Commercial and industrial
Interest only payments			1,811				----				1,811
Consumer:
Home equity
Maturity extension at lower stated rate than market rate			218				----				218
Total TDR’s		$	12,347			$	259			$	12,606

Troubled Debt Restructurings on Financing Receivables, Pre and Post Modification [Table Text Block]

		TDR’s Performing to Modified Terms								TDR’s Not Performing to Modified Terms
Six months ended June 30, 2014		Pre- Modification Recorded Investment				Post- Modification Recorded Investment				Pre- Modification Recorded Investment				Post- Modification Recorded Investment
Commercial real estate:
Owner-occupied
Maturity extension at lower stated rate than market rate		$	767			$	767			$	----			$	----
Commercial and industrial
Interest only payments			3,621				3,621				----				----
Total TDR’s		$	4,388			$	4,388			$	----			$	----

		TDR’s Performing to Modified Terms								TDR’s Not Performing to Modified Terms
Six months ended June 30, 2013		Pre- Modification Recorded Investment				Post- Modification Recorded Investment				Pre- Modification Recorded Investment				Post- Modification Recorded Investment
Residential real estate
Interest only payments		$	249			$	249			$	----			$	----
Total TDR’s		$	249			$	249			$	----			$	----

Financing Receivable Credit Quality Indicators [Table Text Block]

June 30, 2014		Pass				Criticized				Classified				Total
Commercial real estate:
Owner-occupied		$	86,125			$	2,188			$	5,450			$	93,763
Nonowner-occupied			52,844				5,225				8,583				66,652
Construction			32,751				320				----				33,071
Commercial and industrial			71,137				494				6,772				78,403
Total		$	242,857			$	8,227			$	20,805			$	271,889

December 31, 2013		Pass				Criticized				Classified				Total
Commercial real estate:
Owner-occupied		$	86,497			$	5,310			$	2,779			$	94,586
Nonowner-occupied			51,119				7,107				3,882				62,108
Construction			27,998				----				974				28,972
Commercial and industrial			56,962				4,081				3,322				64,365
Total		$	222,576			$	16,498			$	10,957			$	250,031

Performing and Nonperforming Loans [Table Text Block]

June 30, 2014		Consumer
		Automobile				Home Equity				Other				Residential Real Estate				Total
Performing		$	40,366			$	18,011			$	44,809			$	209,577			$	312,763
Nonperforming			56				55				3				3,152				3,266
Total		$	40,422			$	18,066			$	44,812			$	212,729			$	316,029

December 31, 2013		Consumer
		Automobile				Home Equity				Other				Residential Real Estate				Total
Performing		$	38,798			$	17,710			$	45,720			$	211,274			$	313,502
Nonperforming			13				38				1				2,734				2,786
Total		$	38,811			$	17,748			$	45,721			$	214,008			$	316,288

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