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

12 Months Ended

Dec. 31, 2016

Notes Tables

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

		2016				2015
Residential real estate		$	286,022			$	223,875
Commercial real estate:
Owner-occupied			77,605				73,458
Nonowner-occupied			90,532				72,002
Construction			45,870				23,852
Commercial and industrial			100,589				81,936
Consumer:
Automobile			59,772				44,566
Home equity			20,861				20,841
Other			53,650				45,222
			734,901				585,752
Less: Allowance for loan losses			(7,699	)			(6,648	)
Loans, net		$	727,202			$	579,104

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

December 31, 2016		Residential Real Estate				Commercial Real Estate				Commercial & Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,087			$	1,959			$	2,589			$	1,013			$	6,648
Provision for loan losses			(63	)			2,287				(1,112	)			1,714				2,826
Loans charged off			(384	)			(63	)			(586	)			(2,170	)			(3,203	)
Recoveries			299				132				16				981				1,428
Total ending allowance balance		$	939			$	4,315			$	907			$	1,538			$	7,699

December 31, 2015		Residential Real Estate				Commercial Real Estate				Commercial & Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,426			$	4,195			$	1,602			$	1,111			$	8,334
Provision for loan losses			103				(469	)			777				679				1,090
Loans charged off			(828	)			(1,971	)			(24	)			(1,428	)			(4,251	)
Recoveries			386				204				234				651				1,475
Total ending allowance balance		$	1,087			$	1,959			$	2,589			$	1,013			$	6,648

December 31, 2014		Residential Real Estate				Commercial Real Estate				Commercial & Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,169			$	2,914			$	1,279			$	793			$	6,155
Provision for loan losses			458				1,408				(28	)			949				2,787
Loans charged off			(487	)			(235	)			(41	)			(1,216	)			(1,979	)
Recoveries			286				108				392				585				1,371
Total ending allowance balance		$	1,426			$	4,195			$	1,602			$	1,111			$	8,334

Allowance For Loan Losses And The Recorded Investment Of Loans [Table Text Block]

December 31, 2016		Residential Real Estate				Commercial Real Estate				Commercial & Industrial				Consumer				Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	----			$	2,535			$	241			$	205			$	2,981
Collectively evaluated for impairment			939				1,780				666				1,333				4,718
Total ending allowance balance		$	939			$	4,315			$	907			$	1,538			$	7,699
Loans:
Loans individually evaluated for impairment		$	717			$	13,111			$	8,465			$	416			$	22,709
Loans collectively evaluated for impairment			285,305				200,896				92,124				133,867				712,192
Total ending loans balance		$	286,022			$	214,007			$	100,589			$	134,283			$	734,901

December 31, 2015		Residential Real Estate				Commercial Real Estate				Commercial & Industrial				Consumer				Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	----			$	311			$	1,850			$	3			$	2,164
Collectively evaluated for impairment			1,087				1,648				739				1,010				4,484
Total ending allowance balance		$	1,087			$	1,959			$	2,589			$	1,013			$	6,648
Loans:
Loans individually evaluated for impairment		$	1,001			$	7,318			$	8,691			$	218			$	17,228
Loans collectively evaluated for impairment			222,874				161,994				73,245				110,411				568,524
Total ending loans balance		$	223,875			$	169,312			$	81,936			$	110,629			$	585,752

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

December 31, 2016		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated				Average Impaired Loans				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Commercial real estate:
Owner-occupied		$	5,477			$	5,477			$	2,435			$	3,185			$	300			$	300
Nonowner-occupied			384				384				100				390				19				19
Commercial and industrial			392				392				241				391				----				----
Consumer:
Home equity			416				416				205				421				21				21
With no related allowance recorded:
Residential real estate			717				717				----				726				31				31
Commercial real estate:
Owner-occupied			3,638				3,091				----				3,005				178				178
Nonowner-occupied			5,078				3,632				----				3,572				79				79
Construction			1,001				527				----				522				136				136
Commercial and industrial			8,073				8,073				----				7,681				381				381
Total		$	25,176			$	22,709			$	2,981			$	19,893			$	1,145			$	1,145

December 31, 2015		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated				Average Impaired Loans				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Commercial real estate:
Owner-occupied		$	204			$	204			$	204			$	204			$	13			$	13
Nonowner-occupied			396				396				107				402				75				75
Commercial and industrial			4,355				4,355				1,850				3,545				149				149
Consumer:
Home equity			218				218				3				219				8				8
With no related allowance recorded:
Residential real estate			1,001				1,001				----				809				45				45
Commercial real estate:
Owner-occupied			3,812				3,265				----				2,747				181				181
Nonowner-occupied			5,178				2,773				----				3,439				49				49
Construction			680				680				----				544				----				----
Commercial and industrial			4,336				4,336				----				3,985				180				180
Total		$	20,180			$	17,228			$	2,164			$	15,894			$	700			$	700

December 31, 2014		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated				Average Impaired Loans				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Residential real estate		$	----			$	----			$	----			$	----			$	6			$	6
Commercial real estate:
Owner-occupied			1,177				1,177				414				471				32				32
Nonowner-occupied			7,656				7,656				2,092				8,303				398				398
Commercial and industrial			2,356				2,356				900				2,441				110				110
Consumer:
Home equity			219				219				6				219				7				7
With no related allowance recorded:
Residential real estate			1,415				1,415				----				882				58				58
Commercial real estate:
Owner-occupied			3,125				2,578				----				2,135				113				113
Nonowner-occupied			1,298				300				----				300				50				50
Commercial and industrial			4,703				4,468				----				2,278				180				180
Total		$	21,949			$	20,169			$	3,412			$	17,029			$	954			$	954

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

		Loans Past Due 90 Days And Still Accruing				Nonaccrual
December 31, 2016
Residential real estate		$	132			$	3,445
Commercial real estate:
Owner-occupied			28				1,571
Nonowner-occupied			----				2,506
Construction			----				527
Commercial and industrial			----				867
Consumer:
Automobile			121				5
Home equity			----				34
Other			46				6
Total		$	327			$	8,961

		Loans Past Due 90 Days And Still Accruing				Nonaccrual
December 31, 2015
Residential real estate		$	20			$	2,048
Commercial real estate:
Owner-occupied			----				404
Nonowner-occupied			----				2,737
Construction			----				769
Commercial and industrial			----				1,152
Consumer:
Automobile			18				27
Home equity			----				96
Other			1				3
Total		$	39			$	7,236

Past Due Financing Receivables [Table Text Block]

December 31, 2016		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		$	3,728			$	953			$	2,201			$	6,882			$	279,140			$	286,022
Commercial real estate:
Owner-occupied			134				366				1,325				1,825				75,780				77,605
Nonowner-occupied			261				18				2,506				2,785				87,747				90,532
Construction			66				52				182				300				45,570				45,870
Commercial and industrial			1,283				483				800				2,566				98,023				100,589
Consumer:
Automobile			1,091				221				126				1,438				58,334				59,772
Home equity			349				45				----				394				20,467				20,861
Other			685				155				46				886				52,764				53,650
Total		$	7,597			$	2,293			$	7,186			$	17,076			$	717,825			$	734,901

December 31, 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		$	2,564			$	1,484			$	1,708			$	5,756			$	218,119			$	223,875
Commercial real estate:
Owner-occupied			141				33				371				545				72,913				73,458
Nonowner-occupied			35				334				2,737				3,106				68,896				72,002
Construction			----				2				769				771				23,081				23,852
Commercial and industrial			31				88				1,077				1,196				80,740				81,936
Consumer:
Automobile			727				197				36				960				43,606				44,566
Home equity			75				----				76				151				20,690				20,841
Other			420				104				4				528				44,694				45,222
Total		$	3,993			$	2,242			$	6,778			$	13,013			$	572,739			$	585,752

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
December 31, 2016
Residential real estate:
Interest only payments		$	717			$	----			$	717
Commercial real estate:
Owner-occupied
Interest only payments			284				----				284
Rate reduction			----				232				232
Reduction of principal and interest payments			579				----				579
Maturity extension at lower stated rate than market rate			1,582				----				1,582
Nonowner-occupied
Interest only payments			600				2,210				2,810
Rate reduction			384				----				384
Credit extension at lower stated rate than market rate			574				----				574
Commercial and industrial
Interest only payments			8,074				----				8,074
Credit extension at lower stated rate than market rate			----				391				391
Consumer:
Home equity
Maturity extension at lower stated rate than market rate			213				----				213
Credit extension at lower stated rate than market rate			203				----				203
Total TDR’s		$	13,210			$	2,833			$	16,043

		TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms				Total TDR’s
December 31, 2015
Residential real estate:
Interest only payments		$	1,001			$	----			$	1,001
Commercial real estate:
Owner-occupied
Interest only payments			433				----				433
Rate reduction			----				232				232
Reduction of principal and interest payments			604				----				604
Maturity extension at lower stated rate than market rate			1,996				----				1,996
Credit extension at lower stated rate than market rate			204				----				204
Nonowner-occupied
Interest only payments			300				2,473				2,773
Rate reduction			396				----				396
Commercial and industrial
Interest only payments			7,579				----				7,579
Credit extension at lower stated rate than market rate			226				391				617
Consumer:
Home equity
Maturity extension at lower stated rate than market rate			218				----				218
Total TDR’s		$	12,957			$	3,096			$	16,053

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
		Pre-Modification Recorded Investment				Post-Modification Recorded Investment				Pre-Modification Recorded Investment				Post-Modification Recorded Investment
December 31, 2016
Commercial real estate:
Nonowner-occupied
Interest only payments		$	----			$	----			$	226			$	226
Credit extension at lower stated rate than market rate			574				574				----				----
Total TDR’s		$	574			$	574			$	226			$	226

		TDR’s Performing to Modified Terms								TDR’s Not Performing to Modified Terms
		Pre-Modification Recorded Investment				Post-Modification Recorded Investment				Pre-Modification Recorded Investment				Post-Modification Recorded Investment
December 31, 2015
Residential real estate
Interest only payments		$	495			$	495				----				----
Commercial real estate:
Owner-occupied
Maturity extension at lower stated rate than market rate			1,025				1,025				----				----
Commercial and industrial
Credit extension at lower stated rate than market rate			226				226				----				----
Total TDR’s		$	1,746			$	1,746				----				----

Financing Receivable Credit Quality Indicators [Table Text Block]

December 31, 2016		Pass				Criticized				Classified				Total
Commercial real estate:
Owner-occupied		$	66,495			$	428			$	10,682			$	77,605
Nonowner-occupied			83,103				2,364				5,065				90,532
Construction			45,325				----				545				45,870
Commercial and industrial			94,091				188				6,310				100,589
Total		$	289,014			$	2,980			$	22,602			$	314,596

December 31, 2015		Pass				Criticized				Classified				Total
Commercial real estate:
Owner-occupied		$	62,287			$	6,738			$	4,433			$	73,458
Nonowner-occupied			61,577				6,305				4,120				72,002
Construction			23,080				----				772				23,852
Commercial and industrial			70,852				5,232				5,852				81,936
Total		$	217,796			$	18,275			$	15,177			$	251,248

Performing and Nonperforming Loans [Table Text Block]

		Consumer
December 31, 2016		Automobile				Home Equity				Other				Residential Real Estate				Total
Performing		$	59,646			$	20,827			$	53,598			$	282,445			$	416,516
Nonperforming			126				34				52				3,577				3,789
Total		$	59,772			$	20,861			$	53,650			$	286,022			$	420,305

		Consumer
December 31, 2015		Automobile				Home Equity				Other				Residential Real Estate				Total
Performing		$	44,521			$	20,745			$	45,218			$	221,807			$	332,291
Nonperforming			45				96				4				2,068				2,213
Total		$	44,566			$	20,841			$	45,222			$	223,875			$	334,504

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