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

6 Months Ended

Jun. 30, 2019

Notes Tables

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

Loans are comprised of the following:		June 30,				December 31,
		2019				2018
Residential real estate		$	311,040			$	304,079
Commercial real estate:
Owner-occupied			59,815				61,694
Nonowner-occupied			129,535				117,188
Construction			32,164				37,478
Commercial and industrial			102,296				113,243
Consumer:
Automobile			66,696				70,226
Home equity			23,229				22,512
Other			51,351				50,632
			776,126				777,052
Less: Allowance for loan losses			(7,401	)			(6,728	)
Loans, net		$	768,725			$	770,324

Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]

June 30, 2019		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	2,079			$	2,452			$	1,315			$	2,167			$	8,013
Provision for loan losses			(552	)			(260	)			(169	)			175				(806	)
Loans charged off			(78	)			(438	)			(111	)			(536	)			(1,163	)
Recoveries			524				468				60				305				1,357
Total ending allowance balance		$	1,973			$	2,222			$	1,095			$	2,111			$	7,401

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, 2019		Residential Real Estate				Commercial Real Estate				Commercial and Industrial				Consumer				Total
Allowance for loan losses:
Beginning balance		$	1,583			$	2,186			$	1,063			$	1,896			$	6,728
Provision for loan losses			261				133				304				873				1,571
Loans charged off			(407	)			(579	)			(344	)			(1,193	)			(2,523	)
Recoveries			536				482				72				535				1,625
Total ending allowance balance		$	1,973			$	2,222			$	1,095			$	2,111			$	7,401

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

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

June 30, 2019		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		$	7			$	27			$	----			$	----			$	34
Collectively evaluated for impairment			1,966				2,195				1,095				2,111				7,367
Total ending allowance balance		$	1,973			$	2,222			$	1,095			$	2,111			$	7,401
Loans:
Loans individually evaluated for impairment		$	1,954			$	11,252			$	7,289			$	6			$	20,501
Loans collectively evaluated for impairment			309,086				210,262				95,007				141,270				755,625
Total ending loans balance		$	311,040			$	221,514			$	102,296			$	141,276			$	776,126

December 31, 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		$	----			$	98			$	----			$	----			$	98
Collectively evaluated for impairment			1,583				2,088				1,063				1,896				6,630
Total ending allowance balance		$	1,583			$	2,186			$	1,063			$	1,896			$	6,728
Loans:
Loans individually evaluated for impairment		$	1,667			$	3,835			$	7,116			$	----			$	12,618
Loans collectively evaluated for impairment			302,412				212,525				106,127				143,370				764,434
Total ending loans balance		$	304,079			$	216,360			$	113,243			$	143,370			$	777,052

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

June 30, 2019		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Residential real estate		$	1,213			$	1,213			$	7
Commercial real estate:
Nonowner-occupied			357				290				27
With no related allowance recorded:
Residential real estate			741				741				----
Commercial real estate:
Owner-occupied			3,453				3,453				----
Nonowner-occupied			8,819				7,509				----
Construction			328				----				----
Commercial and industrial			7,289				7,289				----
Consumer			6				6
Total		$	22,206			$	20,501			$	34

December 31, 2018		Unpaid Principal Balance				Recorded Investment				Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial real estate:
Nonowner-occupied		$	362			$	362			$	98
With no related allowance recorded:
Residential real estate			1,667				1,667				----
Commercial real estate:
Owner-occupied			2,527				2,527				----
Nonowner-occupied			2,368				946				----
Construction			336				----				----
Commercial and industrial			7,116				7,116				----
Total		$	14,376			$	12,618			$	98

		Three months ended June 30, 2019												Six months ended June 30, 2019
		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		$	1,213			$	----			$	----			$	1,214			$	5			$	5
Commercial real estate:
Nonowner-occupied			324				1				1				337				1				1
With no related allowance recorded:
Residential real estate			636				6				6				575				11				11
Commercial real estate:
Owner-occupied			3,483				58				58				3,111				112				112
Nonowner-occupied			7,458				117				117				5,287				228				228
Construction			----				5				5				----				11				11
Commercial and industrial			7,366				121				121				6,591				242				242
Consumer:
Other			6				----				----				4				----				----
Total		$	20,486			$	308			$	308			$	17,119			$	610			$	610

		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

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

June 30, 2019		Loans Past Due 90 Days And Still Accruing				Nonaccrual
Residential real estate		$	328			$	7,216
Commercial real estate:
Owner-occupied			----				141
Nonowner-occupied			----				463
Construction			----				200
Commercial and industrial			956				171
Consumer:
Automobile			233				115
Home equity			221				276
Other			117				91
Total		$	1,855			$	8,673

December 31, 2018		Loans Past Due 90 Days And Still Accruing				Nonaccrual
Residential real estate		$	19			$	6,661
Commercial real estate:
Owner-occupied			----				470
Nonowner-occupied			362				574
Construction			66				416
Commercial and industrial			31				228
Consumer:
Automobile			270				59
Home equity			91				183
Other			228				86
Total		$	1,067			$	8,677

Financing Receivable, Past Due [Table Text Block]

June 30, 2019		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		$	4,651			$	782			$	2,460			$	7,893			$	303,147			$	311,040
Commercial real estate:
Owner-occupied			198				156				----				354				59,461				59,815
Nonowner-occupied			229				338				290				857				128,678				129,535
Construction			159				----				----				159				32,005				32,164
Commercial and industrial			160				435				1,066				1,661				100,635				102,296
Consumer:
Automobile			1,384				198				260				1,842				64,854				66,696
Home equity			342				72				411				825				22,404				23,229
Other			717				213				126				1,056				50,295				51,351
Total		$	7,840			$	2,194			$	4,613			$	14,647			$	761,479			$	776,126

December 31, 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		$	3,369			$	1,183			$	1,642			$	6,194			$	297,885			$	304,079
Commercial real estate:
Owner-occupied			298				----				129				427				61,267				61,694
Nonowner-occupied			299				----				747				1,046				116,142				117,188
Construction			31				----				265				296				37,182				37,478
Commercial and industrial			428				192				110				730				112,513				113,243
Consumer:
Automobile			1,287				286				289				1,862				68,364				70,226
Home equity			171				92				260				523				21,989				22,512
Other			593				291				228				1,112				49,520				50,632
Total		$	6,476			$	2,044			$	3,670			$	12,190			$	764,862			$	777,052

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

June 30, 2019		TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms				Total TDR’s
Residential real estate:
Interest only payments		$	505			$	----			$	505
Commercial real estate:
Owner-occupied
Interest only payments			926				----				926
Reduction of principal and interest payments			1,543				----				1,543
Maturity extension at lower stated rate than market rate			431				----				431
Credit extension at lower stated rate than market rate			397				----				397
Nonowner-occupied
Rate reduction			----				290				290
Credit extension at lower stated rate than market rate			558				----				558
Commercial and industrial:
Interest only payments			4,989				----				4,989
Reduction of principal and interest payments			197				----				197
Total TDR’s		$	9,546			$	290			$	9,836

December 31, 2018		TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms				Total TDR’s
Residential real estate:
Interest only payments		$	216			$	----			$	216
Commercial real estate:
Owner-occupied
Interest only payments			968				----				968
Reduction of principal and interest payments			529				----				529
Maturity extension at lower stated rate than market rate			469				----				469
Credit extension at lower stated rate than market rate			402				----				402
Nonowner-occupied
Interest only payments			----				385				385
Rate reduction			----				362				362
Credit extension at lower stated rate than market rate			561				----				561
Commercial and industrial:
Interest only payments			4,742				----				4,742
Total TDR’s		$	7,887			$	747			$	8,634

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, 2019		Number of Loans			Pre- Modification Recorded Investment				Post- Modification Recorded Investment				Pre- Modification Recorded Investment				Post- Modification Recorded Investment
Residential real estate:
Interest only payments		1			$	292			$	292			$	----			$	----
Commercial and Industrial:
Interest only payments		1				282				282
Total TDR’s		2			$	574			$	574			$	----			$	----

					TDR’s Performing to Modified Terms								TDR’s Not Performing to Modified Terms
Six months ended June 30, 2019		Number of Loans			Pre- Modification Recorded Investment				Post- Modification Recorded Investment				Pre- Modification Recorded Investment				Post- Modification Recorded Investment
Residential real estate:
Interest only payments		1			$	292			$	292			$	----			$	----
Commercial and Industrial:
Interest only payments		1				282				282
Total TDR’s		2			$	574			$	574			$	----			$	----

Financing Receivable Credit Quality Indicators [Table Text Block]

June 30, 2019		Pass				Criticized				Classified				Total
Commercial real estate:
Owner-occupied		$	49,522			$	7,207			$	3,086			$	59,815
Nonowner-occupied			121,028				----				8,507				129,535
Construction			32,164				----				----				32,164
Commercial and industrial			85,857				2,669				13,770				102,296
Total		$	288,571			$	9,876			$	25,363			$	323,810

December 31, 2018		Pass				Criticized				Classified				Total
Commercial real estate:
Owner-occupied		$	50,474			$	7,724			$	3,496			$	61,694
Nonowner-occupied			115,170				----				2,018				117,188
Construction			37,321				----				157				37,478
Commercial and industrial			92,417				6,536				14,290				113,243
Total		$	295,382			$	14,260			$	19,961			$	329,603

Performing and Nonperforming Loans [Table Text Block]

June 30, 2019		Consumer
		Automobile				Home Equity				Other				Residential Real Estate				Total
Performing		$	66,348			$	22,732			$	51,143			$	303,496			$	443,719
Nonperforming			348				497				208				7,544				8,597
Total		$	66,696			$	23,229			$	51,351			$	311,040			$	452,316

December 31, 2018		Consumer
		Automobile				Home Equity				Other				Residential Real Estate				Total
Performing		$	69,897			$	22,238			$	50,318			$	297,399			$	439,852
Nonperforming			329				274				314				6,680				7,597
Total		$	70,226			$	22,512			$	50,632			$	304,079			$	447,449

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