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Note 3 - Loans and Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2015

Note 3 - Loans and Allowance for Loan Losses (Tables) [Line Items]

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

(In thousands)		March 31, 2015				December 31, 2014
Real estate mortgage loans:
Residential		$	103,923			$	106,679
Land			11,070				11,028
Residential construction			12,122				10,347
Commercial real estate			77,798				78,314
Commercial real estate contruction			1,307				1,422
Commercial business loans			25,004				28,282
Consumer loans:
Home equity and second mortgage loans			37,958				37,513
Automobile loans			26,144				25,274
Loans secured by savings accounts			916				1,018
Unsecured loans			3,212				3,316
Other consumer loans			5,404				5,075
Gross loans			304,858				308,268
Less undisbursed portion of loans in process			(4,698	)			(3,325	)
Principal loan balance			300,160				304,943
Deferred loan origination fees, net			513				506
Allowance for loan losses			(3,634	)			(4,846	)
Loans, net		$	297,039			$	300,603

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 & 2nd Mtg				Other Consumer				Total
		(In thousands)
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	44			$	0			$	0			$	9			$	35			$	0			$	0			$	88
Collectively evaluated for impairment			628				197				65				1,453				204				716				283				3,546
Acquired with deteriorated credit quality			0				0				0				0				0				0				0				0
Ending balance		$	672			$	197			$	65			$	1,462			$	239			$	716			$	283			$	3,634

		Residential Real Estate				Land				Construction				Commercial Real Estate				Commercial Business				Home Equity & 2nd Mtg				Other Consumer				Total
		(In thousands)
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
Acquired with deteriorated credit quality			0				0				0				0				0				0				0				0
Ending balance		$	609			$	201			$	60			$	1,501			$	1,480			$	720			$	275			$	4,846

		Residential Real Estate				Land				Construction				Commercial Real Estate				Commercial Business				Home Equity & 2nd Mtg				Other Consumer				Total
		(In thousands)
Allowance for loan losses:
Changes in Allowance for Loan Losses for the three-months ended March 31, 2015
Beginning balance		$	609			$	201			$	60			$	1,501			$	1,480			$	720			$	275			$	4,846
Provisions for loan losses			81				(4	)			5				(47	)			(59	)			(8	)			32				0
Charge-offs			(20	)			0				0				0				(1,183	)			(1	)			(52	)			(1,256	)
Recoveries			2				0				0				8				1				5				28				44
Ending balance		$	672			$	197			$	65			$	1,462			$	239			$	716			$	283			$	3,634

		Residential Real Estate				Land				Construction				Commercial Real Estate				Commercial Business				Home Equity & 2nd Mtg				Other Consumer				Total
		(In thousands)
Allowance for loan losses:
Changes in Allowance for Loan Losses for the three-months ended March 31, 2014
Beginning balance		$	811			$	152			$	63			$	1,284			$	1,446			$	877			$	289			$	4,922
Provisions for loan losses			88				(8	)			7				(8	)			3				(111	)			54				25
Charge-offs			(63	)			0				0				0				0				(18	)			(52	)			(133	)
Recoveries			2				0				0				0				1				154				40				197
Ending balance		$	838			$	144			$	70			$	1,276			$	1,450			$	902			$	331			$	5,011

Impaired Financing Receivables [Table Text Block]

		At March 31, 2015												Three Months Ended March 31, 2015								Three Months Ended March 31, 2014
		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
		(In thousands)
Loans with no related allowance recorded:
Residential		$	1,205			$	1,537			$	0			$	1,245			$	5			$	1,482			$	10
Land			19				21				0				18				0				119				0
Construction			0				0				0				0				0				0				0
Commercial real estate			1,774				1,808				0				1,781				19				1,715				17
Commercial business			26				26				0				13				0				189				0
Home equity/2nd mortgage			66				83				0				69				0				226				1
Other consumer			0				0				0				0				0				0				0
			3,090				3,475				0				3,126				24				3,731				28
Loans with an allowance recorded:
Residential			210				245				44				240				0				357				0
Land			0				0				0				0				0				0				0
Construction			0				0				0				0				0				0				0
Commercial real estate			39				63				9				41				0				940				0
Commercial business			35				35				35				839				0				1,709				0
Home equity/2nd mortgage			80				98				0				80				0				18				0
Other consumer			0				0				0				0				0				0				0
			364				441				88				1,200				0				3,024				0
Total:
Residential			1,415				1,782				44				1,485				5				1,839				10
Land			19				21				0				18				0				119				0
Construction			0				0				0				0				0				0				0
Commercial real estate			1,813				1,871				9				1,822				19				2,655				17
Commercial business			61				61				35				852				0				1,898				0
Home equity/2nd mortgage			146				181				0				149				0				244				1
Other consumer			0				0				0				0				0				0				0
		$	3,454			$	3,916			$	88			$	4,326			$	24			$	6,755			$	28

		Recorded Investment				Unpaid Principal Balance				Related Allowance
		(In thousands)
Loans with no related allowance recorded:
Residential		$	1,141			$	1,446			$	0
Land			16				18				0
Construction			0				0				0
Commercial real estate			1,777				1,808				0
Commercial business			0				0				0
Home equity/2nd mortgage			71				87				0
Other consumer			0				0				0
			3,005				3,359				0
Loans with an allowance recorded:
Residential			270				304				47
Land			0				0				0
Construction			0				0				0
Commercial real estate			42				65				11
Commercial business			1,642				1,909				1,293
Home equity/2nd mortgage			80				98				0
Other consumer			0				0				0
			2,034				2,376				1,351
Total:
Residential			1,411				1,750				47
Land			16				18				0
Construction			0				0				0
Commercial real estate			1,819				1,873				11
Commercial business			1,642				1,909				1,293
Home equity/2nd mortgage			151				185				0
Other consumer			0				0				0
		$	5,039			$	5,735			$	1,351

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

		March 31, 2015												December 31, 2014
		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		$	1,066			$	0			$	1,066			$	919			$	68			$	987
Land			19				0				19				16				0				16
Construction			0				0				0				0				0				0
Commercial real estate			437				0				437				433				0				433
Commercial business			61				0				61				1,642				0				1,642
Home equity/2nd mortgage			126				0				126				129				14				143
Other consumer			0				32				32				0				3				3
Total		$	1,709			$	32			$	1,741			$	3,139			$	85			$	3,224

Past Due Financing Receivables [Table Text Block]

		30-59 Days Past Due				60-89 Days Past Due				90 Days or More Past Due				Total Past Due				Current				Total Loans
		(In thousands)
Residential		$	2,544			$	191			$	576			$	3,311			$	101,028			$	104,339
Land			130				0				19				149				10,958				11,107
Construction			0				0				0				0				8,751				8,751
Commercial real estate			1,970				0				52				2,022				75,943				77,965
Commercial business			5				0				61				66				25,032				25,098
Home equity/2nd mortgage			241				12				83				336				38,246				38,582
Other consumer			142				15				32				189				35,629				35,818
Total		$	5,032			$	218			$	823			$	6,073			$	295,587			$	301,660

		30-59 Days Past Due				60-89 Days Past Due				90 Days or More Past Due				Total Past Due				Current				Total Loans
		(In thousands)
Residential		$	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/2nd 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

Financing Receivable Credit Quality Indicators [Table Text Block]

		Residential Real Estate				Land				Construction				Commercial Real Estate				Commercial Business				Home Equity & 2nd Mtg				Other Consumer				Total
		(In thousands)
March 31, 2015
Pass		$	101,845			$	8,050			$	8,011			$	73,572			$	24,440			$	38,359			$	35,765			$	290,042
Special Mention			102				93				740				1,659				268				2				37				2,901
Substandard			1,326				2,945				0				2,297				329				95				16				7,008
Doubtful			1,066				19				0				437				61				126				0				1,709
Loss			0				0				0				0				0				0				0				0
Total		$	104,339			$	11,107			$	8,751			$	77,965			$	25,098			$	38,582			$	35,818			$	301,660
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

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		March 31, 2015																December 31, 2014
		Accruing				Nonaccrual				Total				Related Allowance for Loan Losses				Accruing				Nonaccrual				Total				Related Allowance for Loan Losses
		(In thousands)
Troubled debt restructurings:
Residential real estate		$	350			$	303			$	653			$	5			$	492			$	166			$	658			$	6
Commercial real estate			1,376				335				1,711				0				1,386				338				1,724				0
Commercial business			0				0				0				0				0				1,642				1,642				1,292
Home equity and 2nd mortgage			21				0				21				0				22				0				22				0
Total		$	1,747			$	638			$	2,385			$	5			$	1,900			$	2,146			$	4,046			$	1,298

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

		Three months ended March 31, 2014
		Number of Contracts				Pre-Modification Outstanding Balance				Post-Modification Outstanding Balance
		(Dollars in thousands)
Troubled debt restructurings:
Commercial real estate			3			$	542			$	542
Total			3			$	542			$	542

Financing Receivable [Member]

Note 3 - 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 & 2nd Mtg				Other Consumer				Total
		(In thousands)
Recorded Investment in Loans:
Principal loan balance		$	103,923			$	11,070			$	8,731			$	77,798			$	25,004			$	37,958			$	35,676			$	300,160
Accrued interest receivable			366				32				21				194				101				131				142				987
Net deferred loan origination fees and costs			50				5				(1	)			(27	)			(7	)			493				0				513
Recorded investment in loans		$	104,339			$	11,107			$	8,751			$	77,965			$	25,098			$	38,582			$	35,818			$	301,660
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment		$	1,415			$	19			$	0			$	1,813			$	61			$	146			$	0			$	3,454
Collectively evaluated for impairment			102,924				11,088				8,751				76,152				25,037				38,436				35,818				298,206
Acquired with deteriorated credit quality			0				0				0				0				0				0				0				0
Ending balance		$	104,339			$	11,107			$	8,751			$	77,965			$	25,098			$	38,582			$	35,818			$	301,660

		Residential Real Estate				Land				Construction				Commercial Real Estate				Commercial Business				Home Equity & 2nd Mtg				Other Consumer				Total
		(In thousands)
Recorded Investment in Loans:
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
Recorded Investment in Loans as Evaluated for Impairment:
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
Acquired with deteriorated credit quality			0				0				0				0				0				0				0				0
Ending balance		$	107,096			$	11,080			$	8,463			$	78,480			$	28,406			$	38,125			$	34,835			$	306,485

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