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

6 Months Ended

Jun. 30, 2015

Receivables [Abstract]

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

Loans are comprised of the following:		June 30,				December 31,
		2015				2014
Residential real estate		$	224,923			$	223,628
Commercial real estate:
Owner-occupied			76,081				78,848
Nonowner-occupied			73,296				71,229
Construction			24,645				27,535
Commercial and industrial			85,573				83,998
Consumer:
Automobile			43,757				42,849
Home equity			20,138				18,291
Other			44,486				48,390
			592,899				594,768
Less: Allowance for loan losses			7,444				8,334
Loans, net		$	585,455			$	586,434

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

June 30, 2015		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,465			$	4,210			$	1,738			$	907			$	8,320
Provision for loan losses			(121	)			(64	)			478				506				799
Loans charged off			(126	)			(1,366	)			(22	)			(446	)			(1,960	)
Recoveries			12				15				93				165				285
Total ending allowance balance		$	1,230			$	2,795			$	2,287			$	1,132			$	7,444

June 30, 2014		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,437			$	2,845			$	1,331			$	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		$	1,878			$	3,276			$	1,625			$	1,149			$	7,928

June 30, 2015		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,426			$	4,195			$	1,602			$	1,111			$	8,334
Provision for loan losses			(90	)			(58	)			492				377				721
Loans charged off			(223	)			(1,374	)			(24	)			(707	)			(2,328	)
Recoveries			117				32				217				351				717
Total ending allowance balance		$	1,230			$	2,795			$	2,287			$	1,132			$	7,444

June 30, 2014		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,169			$	2,914			$	1,279			$	793			$	6,155
Provision for loan losses			753				440				182				505				1,880
Loans charged off			(193	)			(157	)			(4	)			(452	)			(806	)
Recoveries			149				79				168				303				699
Total ending allowance balance		$	1,878			$	3,276			$	1,625			$	1,149			$	7,928

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

June 30, 2015		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		$	----			$	1,168			$	1,522			$	4			$	2,694
Collectively evaluated for impairment			1,230				1,627				765				1,128				4,750
Total ending allowance balance		$	1,230			$	2,795			$	2,287			$	1,132			$	7,444
Loans:
Loans individually evaluated for impairment		$	1,902			$	10,275			$	7,510			$	218			$	19,905
Loans collectively evaluated for impairment			223,021				163,747				78,063				108,163				572,994
Total ending loans balance		$	224,923			$	174,022			$	85,573			$	108,381			$	592,899

December 31, 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		$	----			$	2,506			$	900			$	6			$	3,412
Collectively evaluated for impairment			1,426				1,689				702				1,105				4,922
Total ending allowance balance		$	1,426			$	4,195			$	1,602			$	1,111			$	8,334
Loans:
Loans individually evaluated for impairment		$	1,415			$	11,711			$	6,824			$	219			$	20,169
Loans collectively evaluated for impairment			222,213				165,901				77,174				109,311				574,599
Total ending loans balance		$	223,628			$	177,612			$	83,998			$	109,530			$	594,768

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

June 30, 2015		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial real estate:
Owner-occupied		$	478			$	478			$	437
Nonowner-occupied			3,558				3,558				731
Commercial and industrial			3,325				3,325				1,522
Consumer:
Home equity			218				218				4
With no related allowance recorded:
Residential real estate			1,902				1,902				----
Commercial real estate:
Owner-occupied			3,133				2,587				----
Nonowner-occupied			4,667				2,972				----
Construction			680				680				----
Commercial and industrial			4,219				4,185				----
Total		$	22,180			$	19,905			$	2,694

December 31, 2014		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial real estate:
Owner-occupied		$	1,177			$	1,177			$	414
Nonowner-occupied			7,656				7,656				2,092
Commercial and industrial			2,356				2,356				900
Consumer:
Home equity			219				219				6
With no related allowance recorded:
Residential real estate			1,415				1,415				----
Commercial real estate:
Owner-occupied			3,125				2,578				----
Nonowner-occupied			1,298				300				----
Commercial and industrial			4,703				4,468				----
Total		$	21,949			$	20,169			$	3,412

		Three months ended June 30, 2015												Six months ended June 30, 2015
		Average Impaired Loans				Interest Income Recognized				Cash Basis Interest Recognized				Average Impaired Loans				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Commercial real estate:
Owner-occupied		$	478			$	----			$	----			$	711			$	----			$	----
Nonowner-occupied			3,575				49				49				3,598				65				65
Commercial and industrial			3,185				40				40				2,909				65				65
Consumer:
Home equity			218				2				2				219				4				4
With no related allowance recorded:
Residential real estate			1,656				16				16				1,575				25				25
Commercial real estate:
Owner-occupied			2,570				30				30				2,573				60				60
Nonowner-occupied			3,630				13				13				3,857				25				25
Construction			680				----				----				453				----				----
Commercial and industrial			4,249				51				51				4,322				107				107
Total		$	20,241			$	201			$	201			$	20,217			$	351			$	351

		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

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

June 30, 2015		Loans Past Due 90 Days And Still Accruing				Nonaccrual
Residential real estate		$	325			$	3,277
Commercial real estate:
Owner-occupied			----				715
Nonowner-occupied			----				2,672
Construction			----				769
Commercial and industrial			----				724
Consumer:
Automobile			10				6
Home equity			----				84
Other			5				1
Total		$	340			$	8,248

December 31, 2014		Loans Past Due 90 Days And Still Accruing				Nonaccrual
Residential real estate		$	----			$	3,768
Commercial real estate:
Owner-occupied			----				1,484
Nonowner-occupied			----				4,013
Commercial and industrial			----				95
Consumer:
Automobile			15				18
Home equity			----				103
Other			58				68
Total		$	73			$	9,549

Past Due Financing Receivables [Table Text Block]

June 30, 2015		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		$	2,115			$	579			$	3,402			$	6,096			$	218,827			$	224,923
Commercial real estate:
Owner-occupied			105				159				715				979				75,102				76,081
Nonowner-occupied			----				269				2,672				2,941				70,355				73,296
Construction			111				----				769				880				23,765				24,645
Commercial and industrial			403				516				91				1,010				84,563				85,573
Consumer:
Automobile			523				159				16				698				43,059				43,757
Home equity			68				----				62				130				20,008				20,138
Other			491				46				6				543				43,943				44,486
Total		$	3,816			$	1,728			$	7,733			$	13,277			$	579,622			$	592,899

December 31, 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		$	3,337			$	612			$	3,489			$	7,438			$	216,190			$	223,628
Commercial real estate:
Owner-occupied			74				62				1,422				1,558				77,290				78,848
Nonowner-occupied			----				----				----				----				71,229				71,229
Construction			932				----				----				932				26,603				27,535
Commercial and industrial			----				10				24				34				83,964				83,998
Consumer:
Automobile			616				149				33				798				42,051				42,849
Home equity			----				----				103				103				18,188				18,291
Other			655				20				126				801				47,589				48,390
Total		$	5,614			$	853			$	5,197			$	11,664			$	583,104			$	594,768

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, 2015
Residential real estate
Interest only payments		$	1,007			$	----			$	1,007
Commercial real estate:
Owner-occupied
Interest only payments			517				----				517
Rate reduction			----				236				236
Reduction of principal and interest payments			616				----				616
Maturity extension at lower stated rate than market rate			1,014				----				1,014
Credit extension at lower stated rate than market rate			204				----				204
Nonowner-occupied
Interest only payments			3,456				2,672				6,128
Rate reduction			402				----				402
Commercial and industrial
Interest only payments			6,622				----				6,622
Credit extension at lower stated rate than market rate			393				----				393
Consumer:
Home equity
Maturity extension at lower stated rate than market rate			218				----				218
Total TDR’s		$	14,449			$	2,908			$	17,357

		TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms				Total TDR’s
December 31, 2014
Residential real estate
Interest only payments		$	520			$	----			$	520
Commercial real estate:
Owner-occupied
Interest only payments			457				----				457
Rate reduction			----				244				244
Reduction of principal and interest payments			627				----				627
Maturity extension at lower stated rate than market rate			1,046				----				1,046
Credit extension at lower stated rate than market rate			204				----				204
Nonowner-occupied
Interest only payments			3,535				4,013				7,548
Rate reduction			408				----				408
Commercial and industrial
Interest only payments			6,429				----				6,429
Credit extension at lower stated rate than market rate			395				----				395
Consumer:
Home equity
Maturity extension at lower stated rate than market rate			219				----				219
Total TDR’s		$	13,840			$	4,257			$	18,097

		TDR’s Performing to Modified Terms								TDR’s Not Performing to Modified Terms
Six months ended June 30, 2015		Pre-Modification Recorded Investment				Post-Modification Recorded Investment				Pre-Modification Recorded Investment				Post-Modification Recorded Investment
Residential real estate:
Interest only payments		$	495			$	495			$	----			$	----
Total TDR’s		$	495			$	495			$	----			$	----

		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			$	----			$	----

Financing Receivable Credit Quality Indicators [Table Text Block]

June 30, 2015		Pass				Criticized				Classified				Total
Commercial real estate:
Owner-occupied		$	69,108			$	3,227			$	3,746			$	76,081
Nonowner-occupied			63,993				2,064				7,239				73,296
Construction			23,713				----				932				24,645
Commercial and industrial			76,927				639				8,007				85,573
Total		$	233,741			$	5,930			$	19,924			$	259,595

December 31, 2014		Pass				Criticized				Classified				Total
Commercial real estate:
Owner-occupied		$	72,232			$	2,102			$	4,514			$	78,848
Nonowner-occupied			60,491				2,127				8,611				71,229
Construction			27,364				----				171				27,535
Commercial and industrial			76,395				495				7,108				83,998
Total		$	236,482			$	4,724			$	20,404			$	261,610

Performing and Nonperforming Loans [Table Text Block]

June 30, 2015		Consumer
		Automobile				Home Equity				Other				Residential Real Estate				Total
Performing		$	43,741			$	20,054			$	44,480			$	221,321			$	329,596
Nonperforming			16				84				6				3,602				3,708
Total		$	43,757			$	20,138			$	44,486			$	224,923			$	333,304

December 31, 2014		Consumer
		Automobile				Home Equity				Other				Residential Real Estate				Total
Performing		$	42,816			$	18,188			$	48,264			$	219,860			$	329,128
Nonperforming			33				103				126				3,768				4,030
Total		$	42,849			$	18,291			$	48,390			$	223,628			$	333,158

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