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

9 Months Ended

Sep. 30, 2017

Notes Tables

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

Loans are comprised of the following:		September 30,				December 31,
		201 7				201 6
Residential real estate		$	318,244			$	286,022
Commercial real estate:
Owner-occupied			72,525				77,605
Nonowner-occupied			99,966				90,532
Construction			42,352				45,870
Commercial and industrial			103,550				100,589
Consumer:
Automobile			67,999				59,772
Home equity			21,287				20,861
Other			52,034				53,650
			777,957				734,901
Less: Allowance for loan losses			(7,313	)			(7,699	)
Loans, net		$	770,644			$	727,202

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

September 30, 2017		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,300			$	2,813			$	932			$	1,907			$	6,952
Provision for loan losses			493				540				238				330				1,601
Loans charged off			(445	)			(434	)			(202	)			(420	)			(1,501	)
Recoveries			83				41				4				133				261
Total ending allowance balance		$	1,431			$	2,960			$	972			$	1,950			$	7,313

September 30, 2016		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	906			$	3,464			$	1,416			$	1,148			$	6,934
Provision for loan losses			228				802				149				529				1,708
Loans charged-off			(151	)			(11	)			(587	)			(704	)			(1,453	)
Recoveries			30				19				1				298				348
Total ending allowance balance		$	1,013			$	4,274			$	979			$	1,271			$	7,537

September 30, 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			870				(636	)			588				1,099				1,921
Loans charged off			(591	)			(1,046	)			(605	)			(1,125	)			(3,367	)
Recoveries			213				327				82				438				1,060
Total ending allowance balance		$	1,431			$	2,960			$	972			$	1,950			$	7,313

September 30 , 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			10				2,264				(1,035	)			1,089				2,328
Loans charged-off			(322	)			(63	)			(587	)			(1,540	)			(2,512	)
Recoveries			238				114				12				709				1,073
Total ending allowance balance		$	1,013			$	4,274			$	979			$	1,271			$	7,537

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

September 30, 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		$	127			$	111			$	----			$	2			$	240
Collectively evaluated for impairment			1,304				2,849				972				1,948				7,073
Total ending allowance balance		$	1,431			$	2,960			$	972			$	1,950			$	7,313
Loans:
Loans individually evaluated for impairment		$	1,153			$	6,798			$	9,522			$	208			$	17,681
Loans collectively evaluated for impairment			317,091				208,045				94,028				141,112				760,276
Total ending loans balance		$	318,244			$	214,843			$	103,550			$	141,320			$	777,957

December 31, 201 6		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]

September 30, 2017		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Residential real estate
Commercial real estate:		$	224			$	221			$	127
Nonowner-occupied			604				530				111
Consumer:
Home equity			208				208				2
With no related allowance recorded:
Residential real estate			932				932				----
Commercial real estate:
Owner-occupied			2,563				2,563				----
Nonowner-occupied			4,995				3,548				----
Construction			635				157				----
Commercial and industrial			9,522				9,522				----
Total		$	19,683			$	17,681			$	240

December 31, 201 6		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 September 30, 2017												Nine months ended September 30, 2017
		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		$	221			$	7			$	7			$	55			$	7			$	7
Commercial real estate:
Nonowner-occupied			563				3				3				584				12				12
Consumer:
Home equity			208				1				1				210				5				5
With no related allowance recorded:
Residential real estate			935				10				10				824				37				37
Commercial real estate:
Owner-occupied			2,409				37				37				2,407				112				112
Nonowner-occupied			3,552				19				19				3,518				57				57
Construction			157				5				5				170				14				14
Commercial and industrial			9,260				135				135				8,776				358				358
Total		$	17,305			$	217			$	217			$	16,544			$	602			$	602

		Three months ended September 30, 2016												Nine months ended September 30, 2016
		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		$	5,427			$	94			$	94			$	2,815			$	241			$	241
Nonowner-occupied			389				5				5				392				15				15
Commercial and industrial			391				----				----				391				----				----
Consumer:
Home equity			217				1				1				218				5				5
With no related allowance recorded:
Residential real estate			725				4				4				728				20				20
Commercial real estate:
Owner-occupied			2,797				37				37				2,879				120				120
Nonowner-occupied			3,680				33				33				3,557				75				75
Construction			363				11				11				521				108				108
Commercial and industrial			8,575				103				103				8,234				290				290
Total		$	22,564			$	288			$	288			$	19,735			$	874			$	874

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

September 30, 2017		Loans Past Due 90 Days And Still Accruing				Nonaccrual
Residential real estate		$	316			$	4,452
Commercial real estate:
Owner-occupied			----				308
Nonowner-occupied			21				2,624
Construction			----				402
Commercial and industrial			15				345
Consumer:
Automobile			90				75
Home equity			390				35
Other			136				110
Total		$	968			$	8,351

December 31, 201 6		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]

September 30, 2017		30-59 Days Past D ue				60-89 Days Past Due				90 Days Or More Past Due				Total Past Due				Loans Not Past Due				Total
Residential real estate		$	5,498			$	1,697			$	1,172			$	8,367			$	309,877			$	318,244
Commercial real estate:
Owner-occupied			198				282				142				622				71,903				72,525
Nonowner-occupied			358				----				2,645				3,003				96,963				99,966
Construction			----				----				231				231				42,121				42,352
Commercial and industrial			440				42				250				732				102,818				103,550
Consumer:
Automobile			982				206				112				1,300				66,699				67,999
Home equity			25				70				390				485				20,802				21,287
Other			609				243				137				989				51,045				52,034
Total		$	8,110			$	2,540			$	5,079			$	15,729			$	762,228			$	777,957

December 31, 201 6		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]

September 30, 2017		TDR ’s Performing to Modified Terms				TDR ’s Not Perform ing to Modified Terms				Total TDR ’s
Residential real estate :
Interest only payments		$	702			$	----			$	702
Maturity extension at lower stated rate than market rate			230								230
Commercial real estate:
Owner-occupied
Interest only payments			94				----				94
Reduction of principal and interest payments			560				----				560
Maturity extension at lower stated rate than market rate			1,497				----				1,497
Credit extension at lower stated rate than market rate			412				----				412
Nonowner-occupied
Interest only payments			560				2,115				2,675
Rate reduction			375				----				375
Credit extension at lower stated rate than market rate			570				----				570
Commercial and industrial :
Interest only payments			8,752				----				8,752
Maturity extension at lower stated rate than market rate			770				----				770
Consumer:
Home equity
Maturity extension at lower stated rate than market rate			----				208				208
Total TDR ’s		$	14,522			$	2,323			$	16,845

December 31, 201 6		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 September 30, 2017		Number of Loans				Pre- Modification Recorded Investment				Post- Modification Recorded Investment				Pre- Modification Recorded Investment				Post- Modification Recorded Investment
Commercial real estate:
Owner-occupied
Credit extension at lower stated rate than m arket rate			1				412				412			$	----			$	----
Total TDR ’s			1			$	412			$	412			$	----			$	----

						TDR ’s Performing to Modified Terms								TDR ’s Not Performing to Modified Terms
Nine months ended September 30, 2017		Number of Loans				Pre- Modification Recorded Investment				Post- Modification Recorded Investment				Pre- Modification Recorded Investment				Post- Modification Recorded Investment
Residential real estate			1			$	231			$	231			$	----			$	----
Maturity extension at lower stated rate than market rate
Commercial real estate:
Owner-occupied
Credit extension at lower stated rate than market rate			1				412				412				----				----
Commercial and industrial			2				770				770				----				----
Total TDR ’s			4			$	1,413			$	1,413			$	----			$	----

						TDR ’s Performing to Modified Terms								TDR ’s Not Performing to Modified Terms
Nine months ended September 30, 2016		Number of Loans				Pre- Modification Recorded Investment				Post- Modification Recorded Investment				Pre- Modification Recorded Investment				Post- Modification Recorded Investment
Commercial real estate:
Nonowner-occupied
Interest only payments			1			$	----			$	----			$	226			$	226
Credit extension at lower stated rate than m arket rate			1				574				574				----				----
Total TDR ’s			2			$	574			$	574			$	226			$	226

Financing Receivable Credit Quality Indicators [Table Text Block]

September 30, 2017		Pass				Criticized				Classified				Total
Commercial real estate:
Owner-occupied		$	63,913			$	955			$	7,657			$	72,525
Nonowner-occupied			93,831				2,223				3,912				99,966
Construction			41,936				----				416				42,352
Commercial and industrial			96,614				1,350				5,586				103,550
Total		$	296,294			$	4,528			$	17,571			$	318,393

December 31, 2016		Pass				C riticized				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]

September 30, 2017			Consumer
			Automobile				Home Equity				Other				Residential Real Estate				Total
Performing			$	67,834			$	20,862			$	51,788			$	313,476			$	453,960
Nonperforming				165				425				246				4,768				5,604
Total			$	67,999			$	21,287			$	52,034			$	318,244			$	459,564

December 31, 201 6			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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