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

6 Months Ended

Jun. 30, 2018

Notes Tables

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

Loans are comprised of the following:		June 30,				December 31,
		2018				2017
Residential real estate		$	305,318			$	309,163
Commercial real estate:
Owner-occupied			66,171				73,573
Nonowner-occupied			116,476				101,571
Construction			39,888				38,302
Commercial and industrial			114,838				107,089
Consumer:
Automobile			68,446				68,626
Home equity			22,240				21,431
Other			48,603				49,564
			781,980				769,319
Less: Allowance for loan losses			(7,639	)			(7,499	)
Loans, net		$	774,341			$	761,820

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

June 30, 2018		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	2,059			$	2,423			$	1,373			$	2,141			$	7,996
Provision for loan losses			(14	)			(82	)			(317	)			390				(23	)
Loans charged off			(177	)			----				----				(574	)			(751	)
Recoveries			18				51				186				162				417
Total ending allowance balance		$	1,886			$	2,392			$	1,242			$	2,119			$	7,639

June 30, 2017		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,392			$	2,729			$	1,360			$	1,834			$	7,315
Provision for loan losses			(68	)			(89	)			(35	)			367				175
Loans charged-off			(73	)			(53	)			(399	)			(384	)			(909	)
Recoveries			49				226				6				90				371
Total ending allowance balance		$	1,300			$	2,813			$	932			$	1,907			$	6,952

June 30, 2018		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,470			$	2,978			$	1,024			$	2,027			$	7,499
Provision for loan losses			580				(663	)			(1	)			817				733
Loans charged off			(237	)			(1	)			(4	)			(1,096	)			(1,338	)
Recoveries			73				78				223				371				745
Total ending allowance balance		$	1,886			$	2,392			$	1,242			$	2,119			$	7,639

June 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			377				(1,176	)			350				769				320
Loans charged-off			(146	)			(612	)			(403	)			(705	)			(1,866	)
Recoveries			130				286				78				305				799
Total ending allowance balance		$	1,300			$	2,813			$	932			$	1,907			$	6,952

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

June 30, 2018		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		$	----			$	90			$	----			$	----			$	90
Collectively evaluated for impairment			1,886				2,302				1,242				2,119				7,549
Total ending allowance balance		$	1,886			$	2,392			$	1,242			$	2,119			$	7,639
Loans:
Loans individually evaluated for impairment		$	1,627			$	5,593			$	9,037			$	----			$	16,257
Loans collectively evaluated for impairment			303,691				216,942				105,801				139,289				765,723
Total ending loans balance		$	305,318			$	222,535			$	114,838			$	139,289			$	781,980

December 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		$	----			$	94			$	----			$	----			$	94
Collectively evaluated for impairment			1,470				2,884				1,024				2,027				7,405
Total ending allowance balance		$	1,470			$	2,978			$	1,024			$	2,027			$	7,499
Loans:
Loans individually evaluated for impairment		$	1,420			$	7,333			$	9,154			$	201			$	18,108
Loans collectively evaluated for impairment			307,743				206,113				97,935				139,420				751,211
Total ending loans balance		$	309,163			$	213,446			$	107,089			$	139,621			$	769,319

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

June 30, 2018		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial real estate:
Nonowner-occupied		$	366			$	366			$	90
With no related allowance recorded:
Residential real estate			1,688				1,627				----
Commercial real estate:
Owner-occupied			2,451				2,451				----
Nonowner-occupied			4,198				2,776				----
Construction			344				----				----
Commercial and industrial			9,037				9,037				----
Total		$	18,084			$	16,257			$	90

December 31, 2017		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial real estate:
Nonowner-occupied		$	372			$	372			$	94
With no related allowance recorded:
Residential real estate			1,420				1,420				----
Commercial real estate:
Owner-occupied			3,427				3,427				----
Nonowner-occupied			4,989				3,534				----
Construction			352				----				----
Commercial and industrial			9,154				9,154				----
Consumer:											----
Home equity			203				201				----
Total		$	19,917			$	18,108			$	94

		Three months ended June 30, 2018												Six months ended June 30, 2018
		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:
Nonowner-occupied		$	368			$	7			$	7			$	370			$	8			$	8
With no related allowance recorded:
Residential real estate			1,653				11				11				1,575				30				30
Commercial real estate:
Owner-occupied			2,465				36				36				2,478				69				69
Nonowner-occupied			3,037				16				16				3,131				37				37
Construction			----				5				5				----				10				10
Commercial and industrial			8,615				107				107				8,794				232				232
Total		$	16,138			$	182			$	182			$	16,348			$	386			$	386

		Three months ended June 30, 2017												Six months ended June 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:
Commercial real estate:
Nonowner-occupied		$	379			$	5			$	5			$	380			$	14			$	14
Consumer:
Home equity			209				2				2				210				5				5
With no related allowance recorded:
Residential real estate			1,028				12				12				992				20				20
Commercial real estate:
Owner-occupied			2,836				36				36				2,921				120				120
Nonowner-occupied			3,779				21				21				3,730				74				74
Construction			487				5				5				501				108				108
Commercial and industrial			8,990				100				100				8,815				290				290
Total		$	17,708			$	181			$	181			$	17,549			$	631			$	631

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

June 30, 2018		Loans Past Due 90 Days And Still Accruing				Nonaccrual
Residential real estate		$	188			$	6,983
Commercial real estate:
Owner-occupied			----				641
Nonowner-occupied			----				1,977
Construction			----				397
Commercial and industrial			21				386
Consumer:
Automobile			135				67
Home equity			----				295
Other			127				98
Total		$	471			$	10,844

December 31, 2017		Loans Past Due 90 Days And Still Accruing				Nonaccrual
Residential real estate		$	131			$	5,906
Commercial real estate:
Owner-occupied			----				476
Nonowner-occupied			----				2,454
Construction			----				444
Commercial and industrial			----				337
Consumer:
Automobile			127				86
Home equity			----				283
Other			76				126
Total		$	334			$	10,112

Past Due Financing Receivables [Table Text Block]

June 30, 2018		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		$	2,599			$	742			$	1,950			$	5,291			$	300,027			$	305,318
Commercial real estate:
Owner-occupied			274				23				290				587				65,584				66,171
Nonowner-occupied			617				----				1,775				2,392				114,084				116,476
Construction			174				----				157				331				39,557				39,888
Commercial and industrial			404				71				194				669				114,169				114,838
Consumer:
Automobile			1,004				224				158				1,386				67,060				68,446
Home equity			289				34				92				415				21,825				22,240
Other			555				217				147				919				47,684				48,603
Total		$	5,916			$	1,311			$	4,763			$	11,990			$	769,990			$	781,980

December 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		$	5,383			$	671			$	1,673			$	7,727			$	301,436			$	309,163
Commercial real estate:
Owner-occupied			194				161				160				515				73,058				73,573
Nonowner-occupied			140				----				2,238				2,378				99,193				101,571
Construction			----				----				169				169				38,133				38,302
Commercial and industrial			303				243				191				737				106,352				107,089
Consumer:
Automobile			1,257				346				151				1,754				66,872				68,626
Home equity			90				272				27				389				21,042				21,431
Other			865				218				76				1,159				48,405				49,564
Total		$	8,232			$	1,911			$	4,685			$	14,828			$	754,491			$	769,319

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

June 30, 2018		TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms				Total TDR’s
Residential real estate:
Interest only payments		$	685			$	----			$	685
Commercial real estate:
Owner-occupied
Interest only payments			997				----				997
Reduction of principal and interest payments			541				----				541
Maturity extension at lower stated rate than market rate			507				----				507
Credit extension at lower stated rate than market rate			406				----				406
Nonowner-occupied
Interest only payments			487				1,498				1,985
Rate reduction			366				----				366
Credit extension at lower stated rate than market rate			564				----				564
Commercial and industrial:
Interest only payments			8,737				----				8,737
Total TDR’s		$	13,290			$	1,498			$	14,788

December 31, 2017		TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms				Total TDR’s
Residential real estate:
Interest only payments		$	697			$	----			$	697
Commercial real estate:
Owner-occupied
Interest only payments			997				----				997
Reduction of principal and interest payments			554				----				554
Maturity extension at lower stated rate than market rate			1,466				----				1,466
Credit extension at lower stated rate than market rate			410				----				410
Nonowner-occupied
Interest only payments			560				1,961				2,521
Rate reduction			372				----				372
Credit extension at lower stated rate than market rate			570				----				570
Commercial and industrial:
Interest only payments			9,154				----				9,154
Consumer:
Home equity
Maturity extension at lower stated rate than market rate			----				201				201
Total TDR’s		$	14,780			$	2,162			$	16,942

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 June 30, 2017		Number of Loans			Pre- Modification Recorded Investment				Post- Modification Recorded Investment				Pre- Modification Recorded Investment				Post- Modification Recorded Investment
Residential real estate
Maturity extension at lower stated rate than market rate		1			$	231			$	231			$	----			$	----
Commercial and industrial
Maturity extension at lower stated rate than market rate		2				770				770				----				----
Total TDR’s		3			$	1,001			$	1,001			$	----			$	----

					TDR’s Performing to Modified Terms								TDR’s Not Performing to Modified Terms
Six months ended June 30, 2017		Number of Loans			Pre- Modification Recorded Investment				Post- Modification Recorded Investment				Pre- Modification Recorded Investment				Post- Modification Recorded Investment
Residential real estate
Maturity extension at lower stated rate than market rate		1			$	231			$	231			$	----			$	----
Commercial and industrial
Maturity extension at lower stated rate than market rate		2				770				770				----				----
Total TDR’s		3			$	1,001			$	1,001			$	----			$	----

Financing Receivable Credit Quality Indicators [Table Text Block]

June 30, 2018		Pass				Criticized				Classified				Total
Commercial real estate:
Owner-occupied		$	56,810			$	1,057			$	8,304			$	66,171
Nonowner-occupied			112,057				855				3,564				116,476
Construction			39,583				134				171				39,888
Commercial and industrial			96,185				8,508				10,145				114,838
Total		$	304,635			$	10,554			$	22,184			$	337,373

December 31, 2017		Pass				Criticized				Classified				Total
Commercial real estate:
Owner-occupied		$	64,993			$	934			$	7,646			$	73,573
Nonowner-occupied			93,197				3,776				4,598				101,571
Construction			37,735				156				411				38,302
Commercial and industrial			91,097				6,058				9,934				107,089
Total		$	287,022			$	10,924			$	22,589			$	320,535

Performing and Nonperforming Loans [Table Text Block]

June 30, 2018		Consumer
		Automobile				Home Equity				Other				Residential Real Estate				Total
Performing		$	68,244			$	21,945			$	48,378			$	298,147			$	436,714
Nonperforming			202				295				225				7,171				7,893
Total		$	68,446			$	22,240			$	48,603			$	305,318			$	444,607

December 31, 2017		Consumer
		Automobile				Home Equity				Other				Residential Real Estate				Total
Performing		$	68,413			$	21,148			$	49,362			$	303,126			$	442,049
Nonperforming			213				283				202				6,037				6,735
Total		$	68,626			$	21,431			$	49,564			$	309,163			$	448,784

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