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

9 Months Ended

Sep. 30, 2018

Notes Tables

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

Loans are comprised of the following:		September 30,				December 31,
		2018				2017
Residential real estate		$	305,314			$	309,163
Commercial real estate:
Owner-occupied			64,236				73,573
Nonowner-occupied			115,107				101,571
Construction			39,202				38,302
Commercial and industrial			116,489				107,089
Consumer:
Automobile			70,137				68,626
Home equity			22,419				21,431
Other			49,473				49,564
			782,377				769,319
Less: Allowance for loan losses			(8,315	)			(7,499	)
Loans, net		$	774,062			$	761,820

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

September 30, 2018		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,886			$	2,392			$	1,242			$	2,119			$	7,639
Provision for loan losses			681				(378	)			197				462				962
Loans charged off			(184	)			----				(136	)			(722	)			(1,042	)
Recoveries			49				431				80				196				756
Total ending allowance balance		$	2,432			$	2,445			$	1,383			$	2,055			$	8,315

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, 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			1,261				(1,041	)			196				1,279				1,695
Loans charged off			(421	)			(1	)			(140	)			(1,818	)			(2,380	)
Recoveries			122				509				303				567				1,501
Total ending allowance balance		$	2,432			$	2,445			$	1,383			$	2,055			$	8,315

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

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

September 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		$	409			$	90			$	----			$	----			$	499
Collectively evaluated for impairment			2,023				2,355				1,383				2,055				7,816
Total ending allowance balance		$	2,432			$	2,445			$	1,383			$	2,055			$	8,315
Loans:
Loans individually evaluated for impairment		$	926			$	4,289			$	5,727			$	----			$	10,942
Loans collectively evaluated for impairment			304,388				214,256				110,762				142,029				771,435
Total ending loans balance		$	305,314			$	218,545			$	116,489			$	142,029			$	782,377

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]

September 30, 2018		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Residential real estate		$	715			$	707			$	409
Commercial real estate:
Nonowner-occupied			363				363				90
With no related allowance recorded:
Residential real estate			219				219				----
Commercial real estate:
Owner-occupied			2,416				2,416				----
Nonowner-occupied			2,932				1,510				----
Construction			340				----				----
Commercial and industrial			5,727				5,727				----
Total		$	12,712			$	10,942			$	499

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 September 30, 2018												Nine months ended September 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:
Residential real estate		$	707			$	----			$	----			$	711			$	----			$	----
Commercial real estate:
Nonowner-occupied			365				3				3				368				12				12
With no related allowance recorded:
Residential real estate			219				4				4				222				34				34
Commercial real estate:
Owner-occupied			2,434				36				36				2,462				105				105
Nonowner-occupied			1,786				11				11				2,154				47				47
Construction			----				5				5				----				15				15
Commercial and industrial			5,753				89				89				5,474				321				321
Total		$	11,264			$	148			$	148			$	11,391			$	534			$	534

		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

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

September 30, 2018		Loans Past Due 90 Days And Still Accruing				Nonaccrual
Residential real estate		$	167			$	6,929
Commercial real estate:
Owner-occupied			----				494
Nonowner-occupied			----				1,142
Construction			----				389
Commercial and industrial			147				284
Consumer:
Automobile			247				45
Home equity			122				227
Other			373				67
Total		$	1,056			$	9,577

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]

September 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		$	3,924			$	910			$	1,848			$	6,682			$	298,632			$	305,314
Commercial real estate:
Owner-occupied			113				191				129				433				63,803				64,236
Nonowner-occupied			263				363				948				1,574				113,533				115,107
Construction			167				----				157				324				38,878				39,202
Commercial and industrial			2,737				105				276				3,118				113,371				116,489
Consumer:
Automobile			1,145				266				247				1,658				68,479				70,137
Home equity			251				200				334				785				21,634				22,419
Other			631				112				378				1,121				48,352				49,473
Total		$	9,231			$	2,147			$	4,317			$	15,695			$	766,682			$	782,377

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]

September 30, 2018		TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms				Total TDR’s
Residential real estate:
Interest only payments		$	218			$	----			$	218
Commercial real estate:
Owner-occupied
Interest only payments			989				----				989
Reduction of principal and interest payments			535				----				535
Maturity extension at lower stated rate than market rate			488				----				488
Credit extension at lower stated rate than market rate			404				----				404
Nonowner-occupied
Interest only payments			----				948				948
Rate reduction			363				----				363
Credit extension at lower stated rate than market rate			563				----				563
Commercial and industrial:
Interest only payments			5,427				----				5,427
Total TDR’s		$	8,987			$	948			$	9,935

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 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 market 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
Maturity extension at lower stated rate than market rate			1			$	231			$	231			$	----			$	----
Commercial real estate:
Owner-occupied
Credit extension at lower stated rate than market rate			1				412				412				----				----
Commercial and industrial
Maturity extension at lower stated rate than market rate			2				770				770				----				----
Total TDR’s			4			$	1,413			$	1,413			$	----			$	----

Financing Receivable Credit Quality Indicators [Table Text Block]

September 30, 2018		Pass				Criticized				Classified				Total
Commercial real estate:
Owner-occupied		$	54,380			$	2,476			$	7,380			$	64,236
Nonowner-occupied			111,921				847				2,339				115,107
Construction			38,898				133				171				39,202
Commercial and industrial			97,204				9,494				9,791				116,489
Total		$	302,403			$	12,950			$	19,681			$	335,034

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]

September 30, 2018		Consumer
		Automobile				Home Equity				Other				Residential Real Estate				Total
Performing		$	69,845			$	22,070			$	49,033			$	298,218			$	439,166
Nonperforming			292				349				440				7,096				8,177
Total		$	70,137			$	22,419			$	49,473			$	305,314			$	447,343

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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