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

3 Months Ended

Mar. 31, 2017

Notes Tables

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

Loans are comprised of the following:		March 31, 2017				December 31, 2016
Residential real estate		$	287,161			$	286,022
Commercial real estate:
Owner-occupied			72,232				77,605
Nonowner-occupied			89,521				90,532
Construction			49,821				45,870
Commercial and industrial			105,663				100,589
Consumer:
Automobile			62,072				59,772
Home equity			20,966				20,861
Other			51,425				53,650
			738,861				734,901
Less: Allowance for loan losses			(7,315	)			(7,699	)
Loans, net		$	731,546			$	727,202

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

March 31, 2017		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	939			$	4,315			$	907			$	1,538			$	7,699
Provision for loan losses			445				(1,087	)			385				402				145
Loans charged off			(73	)			(559	)			(4	)			(321	)			(957	)
Recoveries			81				60				72				215				428
Total ending allowance balance		$	1,392			$	2,729			$	1,360			$	1,834			$	7,315

March 31, 2016		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,087			$	1,959			$	2,589			$	1,013			$	6,648
Provision for loan losses			40				17				82				340				479
Loans charged-off			(104	)			----				----				(483	)			(587	)
Recoveries			162				19				1				224				406
Total ending allowance balance		$	1,185			$	1,995			$	2,672			$	1,094			$	6,946

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

March 31, 2017		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		$	----			$	153			$	391			$	1			$	545
Collectively evaluated for impairment			1,392				2,576				969				1,833				6,770
Total ending allowance balance		$	1,392			$	2,729			$	1,360			$	1,834			$	7,315
Loans:
Loans individually evaluated for impairment		$	915			$	7,701			$	8,903			$	209			$	17,728
Loans collectively evaluated for impairment			286,246				203,873				96,760				134,254				721,133
Total ending loans balance		$	287,161			$	211,574			$	105,663			$	134,463			$	738,861

December 31, 2016		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		$	----			$	2,535			$	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

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

March 31, 2017		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial real estate:
Nonowner-occupied		$	381			$	381			$	98
Construction			354				345				55
Commercial and industrial			392				392				391
Consumer:
Home equity			209				209				1
With no related allowance recorded:
Residential real estate			915				915				----
Commercial real estate:
Owner-occupied			4,112				3,008				----
Nonowner-occupied			5,236				3,785				----
Construction			643				182				----
Commercial and industrial			8,511				8,511				----
Total		$	20,753			$	17,728			$	545

December 31, 2016		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial real estate:
Owner-occupied		$	5,477			$	5,477			$	2,435
Nonowner-occupied			384				384				100
Commercial and industrial			392				392				241
Consumer:
Home equity			416				416				205
With no related allowance recorded:
Residential real estate			717				717				----
Commercial real estate:
Owner-occupied			3,638				3,091				----
Nonowner-occupied			5,078				3,632				----
Construction			1,001				527				----
Commercial and industrial			8,073				8,073				----
Total		$	25,176			$	22,709			$	2,981

		Three months ended March 31, 2017
		Average Impaired Loans				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Commercial real estate:
Nonowner-occupied		$	382			$	5			$	5
Construction			345				----				----
Commercial and industrial			392				----				----
Consumer:
Home equity			211				2				2
With no related allowance recorded:
Residential real estate			918				12				12
Commercial real estate:
Owner-occupied			3,547				36				36
Nonowner-occupied			3,822				21				21
Construction			182				4				4
Commercial and industrial			8,292				100				100
Total		$	18,091			$	180			$	180

		Three months ended March 31, 2016
		Average Impaired Loans				Interest Income Recognized				Cash Basis Interest Recognized
With an allowance recorded:
Commercial real estate:
Owner-occupied		$	204			$	4			$	4
Nonowner-occupied			395				5				5
Commercial and industrial			4,439				41				41
Consumer:
Home equity			219				2				2
With no related allowance recorded:
Residential real estate			731				9				9
Commercial real estate:
Owner-occupied			3,257				43				43
Nonowner-occupied			3,134				13				13
Construction			680				----				----
Commercial and industrial			4,341				51				51
Total		$	17,400			$	168			$	168

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

March 31, 2017		Loans Past Due 90 Days And Still Accruing				Nonaccrual
Residential real estate		$	144			$	3,411
Commercial real estate:
Owner-occupied			----				657
Nonowner-occupied			----				2,752
Construction			----				527
Commercial and industrial			----				925
Consumer:
Automobile			206				27
Home equity			----				18
Other			104				36
Total		$	454			$	8,353

December 31, 2016		Loans Past Due 90 Days And Still Accruing				Nonaccrual
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

Past Due Financing Receivables [Table Text Block]

March 31, 2017		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		$	2,470			$	1,510			$	2,011			$	5,991			$	281,170			$	287,161
Commercial real estate:
Owner-occupied			889				327				471				1,687				70,545				72,232
Nonowner-occupied			48				84				2,752				2,884				86,637				89,521
Construction			65				487				182				734				49,087				49,821
Commercial and industrial			379				259				830				1,468				104,195				105,663
Consumer:
Automobile			828				167				221				1,216				60,856				62,072
Home equity			----				----				----				----				20,966				20,966
Other			661				91				146				898				50,527				51,425
Total		$	5,340			$	2,925			$	6,613			$	14,878			$	723,983			$	738,861

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

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

March 31, 2017		TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms				Total TDR’s
Residential real estate:
Interest only payments		$	711			$	----			$	711
Credit extension at lower stated rate than market rate			204				----				204
Commercial real estate:
Owner-occupied
Interest only payments			231				----				231
Rate reduction			----				232				232
Reduction of principal and interest payments			573				----				573
Maturity extension at lower stated rate than market rate			1,560				----				1,560
Nonowner-occupied
Interest only payments			560				2,182				2,742
Rate reduction			381				----				381
Credit extension at lower stated rate than market rate			572				----				572
Commercial and industrial:
Interest only payments			8,512				----				8,512
Credit extension at lower stated rate than market rate			----				391				391
Consumer:
Home equity
Maturity extension at lower stated rate than market rate			209				----				209
Total TDR’s		$	13,513			$	2,805			$	16,318

December 31, 2016		TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms				Total TDR’s
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

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
Three months ended March 31, 2016		Pre- Modification Recorded Investment				Post- Modification Recorded Investment				Pre- Modification Recorded Investment				Post- Modification Recorded Investment
Commercial real estate:
Nonowner-occupied
Interest only payments		$	238			$	238			$	----			$	----
Credit extension at lower stated rate than market rate			581				581				----				----
Total TDR’s		$	819			$	819			$	----			$	----

Financing Receivable Credit Quality Indicators [Table Text Block]

March 31, 2017		Pass				Criticized				Classified				Total
Commercial real estate:
Owner-occupied		$	61,934			$	1,244			$	9,054			$	72,232
Nonowner-occupied			82,204				2,339				4,978				89,521
Construction			49,025				----				796				49,821
Commercial and industrial			98,545				1,274				5,844				105,663
Total		$	291,708			$	4,857			$	20,672			$	317,237

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

Performing and Nonperforming Loans [Table Text Block]

March 31, 2017		Consumer
		Automobile				Home Equity				Other				Residential Real Estate				Total
Performing		$	61,839			$	20,948			$	51,285			$	283,606			$	417,678
Nonperforming			233				18				140				3,555				3,946
Total		$	62,072			$	20,966			$	51,425			$	287,161			$	421,624

December 31, 2016		Consumer
		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

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