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

12 Months Ended

Dec. 31, 2014

Note 4 - Loans and Allowance for Loan Losses (Tables) [Line Items]

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

(In thousands)		2014				2013
Real estate mortgage loans:
Residential		$	106,679			$	107,029
Land			11,028				10,309
Residential construction			10,347				14,423
Commercial real estate			78,314				76,496
Commercial real estate construction			1,422				1,715
Commercial business loans			28,282				21,956
Consumer loans:
Home equity and second mortgage loans			37,513				34,815
Automobile loans			25,274				23,983
Loans secured by savings accounts			1,018				1,138
Unsecured loans			3,316				3,541
Other consumer loans			5,075				4,824
Gross loans			308,268				300,229
Less undisbursed portion of loans in process			(3,325	)			(7,142	)
Principal loan balance			304,943				293,087
Deferred loan origination fees, net			506				341
Allowance for loan losses			(4,846	)			(4,922	)
Loans, net		$	300,603			$	288,506

Schedule of Related Party Transactions [Table Text Block]

(In thousands)
Beginning balance		$	6,549
New loans			10,612
Payments			(8,507	)
Ending balance		$	8,654

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

		Residential Real Estate				Land				Construction				Commercial Real Estate				Commercial Business				Home Equity and Second Mortgage				Other Consumer				Total
		(In thousands)
Allowance for Loan Losses:
Beginning balance		$	811			$	152			$	63			$	1,284			$	1,446			$	877			$	289			$	4,922
Provisions			(69	)			49				(3	)			211				23				(195	)			174				190
Charge-offs			(140	)			0				0				0				(6	)			(154	)			(320	)			(620	)
Recoveries			7				0				0				6				17				192				132				354
Ending balance		$	609			$	201			$	60			$	1,501			$	1,480			$	720			$	275			$	4,846
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	47			$	0			$	0			$	11			$	1,293			$	0			$	0			$	1,351
Collectively evaluated for impairment			562				201				60				1,490				187				720				275				3,495
Ending balance		$	609			$	201			$	60			$	1,501			$	1,480			$	720			$	275			$	4,846
Recorded Investment in Loans:
Individually evaluated for impairment		$	1,411			$	16			$	0			$	1,819			$	1,642			$	151			$	0			$	5,039
Collectively evaluated for impairment			105,685				11,064				8,463				76,661				26,764				37,974				34,835				301,446
Ending balance		$	107,096			$	11,080			$	8,463			$	78,480			$	28,406			$	38,125			$	34,835			$	306,485

		Residential Real Estate				Land				Construction				Commercial Real Estate				Commercial Business				Home Equity and Second Mortgage				Other Consumer				Total
		(In thousands)
Allowance for Loan Losses:
Beginning balance		$	922			$	71			$	0			$	1,310			$	1,223			$	919			$	291			$	4,736
Provisions			182				83				63				47				169				4				177				725
Charge-offs			(353	)			(2	)			0				(90	)			(20	)			(90	)			(337	)			(892	)
Recoveries			60				0				0				17				74				44				158				353
Ending balance		$	811			$	152			$	63			$	1,284			$	1,446			$	877			$	289			$	4,922
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	112			$	0			$	0			$	145			$	1,259			$	13			$	0			$	1,529
Collectively evaluated for impairment			699				152				63				1,139				187				864				289				3,393
Ending balance		$	811			$	152			$	63			$	1,284			$	1,446			$	877			$	289			$	4,922
Recorded Investment in Loans:
Individually evaluated for impairment		$	2,040			$	120			$	0			$	2,586			$	1,898			$	276			$	0			$	6,920
Collectively evaluated for impairment			105,468				10,240				9,018				74,080				20,105				34,993				33,654				287,558
Ending balance		$	107,508			$	10,360			$	9,018			$	76,666			$	22,003			$	35,269			$	33,654			$	294,478

Impaired Financing Receivables [Table Text Block]

		Recorded Investment				Unpaid Principal Balance				Average Related Allowance				Interest Recorded Investment				Income Recognized
		(In thousands)
Loans with no related allowance recorded:
Residential real estate		$	1,141			$	1,446			$	0			$	1,293			$	26
Land			16				18				0				96				0
Construction			0				0				0				52				0
Commercial real estate			1,777				1,808				0				1,626				70
Commercial business			0				0				0				113				0
Home equity and second mortgage			71				87				0				147				2
Other consumer			0				0				0				0				0
		$	3,005			$	3,359			$	0			$	3,327			$	98
Loans with an allowance recorded:
Residential real estate		$	270			$	304			$	47			$	369			$	0
Land			0				0				0				1				0
Construction			0				0				0				0				0
Commercial real estate			42				65				11				656				0
Commercial business			1,642				1,909				1,293				1,696				0
Home equity and second mortgage			80				98				0				46				0
Other consumer			0				0				0				0				0
		$	2,034			$	2,376			$	1,351			$	2,768			$	0
Total:
Residential real estate		$	1,411			$	1,750			$	47			$	1,662			$	26
Land			16				18				0				97				0
Construction			0				0				0				52				0
Commercial real estate			1,819				1,873				11				2,282				70
Commercial business			1,642				1,909				1,293				1,809				0
Home equity and second mortgage			151				185				0				193				2
Other consumer			0				0				0				0				0
		$	5,039			$	5,735			$	1,351			$	6,095			$	98

		Recorded Investment				Unpaid Principal Balance				Average Related Allowance				Interest Recorded Investment				Income Recognized
		(In thousands)
Loans with no related allowance recorded:
Residential real estate		$	1,591			$	1,869			$	0			$	1,508			$	32
Land			120				131				0				124				0
Construction			0				0				0				173				0
Commercial real estate			1,637				1,643				0				1,410				63
Commercial business			189				209				0				38				4
Home equity and second mortgage			254				268				0				164				5
Other consumer			0				0				0				0				0
		$	3,791			$	4,120			$	0			$	3,417			$	104
Loans with an allowance recorded:
Residential real estate		$	449			$	487			$	112			$	624			$	2
Land			0				0				0				1				0
Construction			0				0				0				0				0
Commercial real estate			949				1,048				145				1,108				0
Commercial business			1,709				1,909				1,259				1,801				0
Home equity and second mortgage			22				22				13				47				0
Other consumer			0				0				0				0				0
		$	3,129			$	3,466			$	1,529			$	3,581			$	2
Total:
Residential real estate		$	2,040			$	2,356			$	112			$	2,132			$	34
Land			120				131				0				125				0
Construction			0				0				0				173				0
Commercial real estate			2,586				2,691				145				2,518				63
Commercial business			1,898				2,118				1,259				1,839				4
Home equity and second mortgage			276				290				13				211				5
Other consumer			0				0				0				0				0
		$	6,920			$	7,586			$	1,529			$	6,998			$	106

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

		December 31, 2014												December 31, 2013
		Nonaccrual Loans				Loans 90+ Days Past Due Still Accruing				Total Nonperforming Loans				Nonaccrual Loans				Loans 90+ Days Past Due Still Accruing				Total Nonperforming Loans
		(In thousands)
Residential real estate		$	919			$	68			$	987			$	1,533			$	180			$	1,713
Land			16				0				16				120				0				120
Construction			0				0				0				0				0				0
Commercial real estate			433				0				433				1,456				0				1,456
Commercial business			1,642				0				1,642				1,898				0				1,898
Home equity and second mortgage			129				14				143				252				39				291
Other consumer			0				3				3				0				8				8
Total		$	3,139			$	85			$	3,224			$	5,259			$	227			$	5,486

Past Due Financing Receivables [Table Text Block]

		30-59 Days Past Due				60-89 Days Past Due				Over 90 Days Past Due				Total Past Due				Current				Total Loans
		(In thousands)
Residential real estate		$	3,070			$	551			$	308			$	3,929			$	103,167			$	107,096
Land			24				124				0				148				10,932				11,080
Construction			0				0				0				0				8,463				8,463
Commercial real estate			54				133				42				229				78,251				78,480
Commercial business			0				0				0				0				28,406				28,406
Home equity and second mortgage			153				23				97				273				37,852				38,125
Other consumer			263				26				3				292				34,543				34,835
Total		$	3,564			$	857			$	450			$	4,871			$	301,614			$	306,485

		30-59 Days Past Due				60-89 Days Past Due				Over 90 Days Past Due				Total Past Due				Current				Total Loans
		(In thousands)
Residential real estate		$	3,160			$	830			$	701			$	4,691			$	102,817			$	107,508
Land			162				109				12				283				10,077				10,360
Construction			0				0				0				0				9,018				9,018
Commercial real estate			231				500				49				780				75,886				76,666
Commercial business			0				0				189				189				21,814				22,003
Home equity and second mortgage			411				24				132				567				34,702				35,269
Other consumer			296				34				8				338				33,316				33,654
Total		$	4,260			$	1,497			$	1,091			$	6,848			$	287,630			$	294,478

Financing Receivable Credit Quality Indicators [Table Text Block]

		Residential Real Estate				Land				Construction				Commercial Real Estate			Commercial Business			Home Equity and Second Mortgage				Other Consumer				Total
		(In thousands)
December 31, 2014:
Pass		$	104,780			$	7,969			$	7,722			$	73,204		$	26,137		$	37,860			$	34,770			$	292,442
Special mention			105				94				741				2,648			298			2				49				3,937
Substandard			1,292				3,001				0				2,195			329			134				16				6,967
Doubtful			919				16				0				433			1,642			129				0				3,139
Loss			0				0				0				0			0			0				0				0
Total		$	107,096			$	11,080			$	8,463			$	78,480		$	28,406		$	38,125			$	34,835			$	306,485
December 31, 2013:
Pass		$	103,594			$	7,096			$	9,018			$	71,893		$	19,328		$	34,693			$	33,627			$	279,249
Special mention			756				0				0				2,627			458			198				27				4,066
Substandard			1,625				3,144				0				690			319			126				0				5,904
Doubtful			1,533				120				0				1,456			1,898			252				0				5,259
Loss			0				0				0				0			0			0				0				0
Total		$	107,508			$	10,360			$	9,018			$	76,666		$	22,003		$	35,269			$	33,654			$	294,478

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		December 31, 2014																December 31, 2013
		Accruing				Nonaccrual				Total				Related Allowance for Loan Losses				Accruing				Nonaccrual				Total				Related Allowance for Loan Losses
		(In thousands)
Residential real estate		$	492			$	166			$	658			$	6			$	508			$	226			$	734			$	45
Commercial real estate			1,386				338				1,724				0				1,130				0				1,130				0
Commercial business			0				1,642				1,642				1,292				0				1,709				1,709				1,259
Home equity and second mortgage			22				0				22				0				24				0				24				0
Total		$	1,900			$	2,146			$	4,046			$	1,298			$	1,662			$	1,935			$	3,597			$	1,304

Schedule of Debtor Troubled Debt Restructuring, Current Period [Table Text Block]

		Number of Contracts				Pre-Modification Outstanding Balance				Post-Modification Outstanding Balance
		(In thousands)
Commercial real estate			5			$	641			$	641
Total			5			$	641			$	641

		Number of Contracts				Pre-Modification Outstanding Balance				Post-Modification Outstanding Balance
		(In thousands)
Residential real estate			5			$	310			$	310
Total			5			$	310			$	310

Financing Receivable [Member]

Note 4 - Loans and Allowance for Loan Losses (Tables) [Line Items]

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

		Residential Real Estate				Land				Construction				Commercial Real Estate				Commercial Business				Home Equity and Second Mortgage				Other Consumer				Total
		(In thousands)
December 31, 2014:
Principal loan balance		$	106,679			$	11,028			$	8,444			$	78,314			$	28,282			$	37,513			$	34,683			$	304,943
Accrued interest receivable			368				48				20				186				131				131				152				1,036
Net deferred loan origination fees and costs			49				4				(1	)			(20	)			(7	)			481				0				506
Recorded investment in loans		$	107,096			$	11,080			$	8,463			$	78,480			$	28,406			$	38,125			$	34,835			$	306,485
December 31, 2013:
Principal loan balance		$	107,029			$	10,309			$	8,996			$	76,496			$	21,956			$	34,815			$	33,486			$	293,087
Accrued interest receivable			427				49				22				202				56				126				168				1,050
Net deferred loan origination fees and costs			52				2				0				(32	)			(9	)			328				0				341
Recorded investment in loans		$	107,508			$	10,360			$	9,018			$	76,666			$	22,003			$	35,269			$	33,654			$	294,478

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