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Note 5 - Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2015

Note 5 - Loans and Allowance for Loan Losses (Tables) [Line Items]

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

(In thousands)		2015				2014
Real estate mortgage loans:
Residential		$	147,933			$	106,679
Land			12,962				11,028
Residential construction			16,391				10,347
Commercial real estate			84,493				78,314
Commercial real estate construction			1,090				1,422
Commercial business loans			23,095				28,282
Consumer loans:
Home equity and second mortgage loans			38,476				37,513
Automobile loans			28,828				25,274
Loans secured by savings accounts			2,096				1,018
Unsecured loans			4,350				3,316
Other consumer loans			7,210				5,075
Gross loans			366,924				308,268
Less undisbursed portion of loans in process			(4,926	)			(3,325	)
Principal loan balance			361,998				304,943
Deferred loan origination fees, net			583				506
Allowance for loan losses			(3,415	)			(4,846	)
Loans, net		$	359,166			$	300,603

Schedule of Related Party Transactions [Table Text Block]

(In thousands)
Beginning balance		$	8,609
New loans			7,790
Payments			(8,224	)
Ending balance		$	8,175

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		$	609			$	201			$	60			$	1,501			$	1,480			$	720			$	275			$	4,846
Provisions			35				(44	)			(13	)			6				(23	)			(49	)			138				50
Charge-offs			(128	)			0				0				0				(1,205	)			(78	)			(268	)			(1,679	)
Recoveries			11				0				0				34				9				33				111				198
Ending balance		$	527			$	157			$	47			$	1,541			$	261			$	626			$	256			$	3,415
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	6			$	0			$	0			$	49			$	100			$	11			$	0			$	166
Collectively evaluated for impairment			521				157				47				1,492				161				615				256				3,249
Acquired with deteriorated credit quality			0				0				0				0				0				0				0				0
Ending balance		$	527			$	157			$	47			$	1,541			$	261			$	626			$	256			$	3,415
Recorded Investment in Loans:
Individually evaluated for impairment		$	1,996			$	24			$	0			$	3,623			$	167			$	136			$	0			$	5,946
Collectively evaluated for impairment			145,695				13,014				12,616				80,639				22,986				39,041				42,655				356,646
Acquired with deteriorated credit quality			884				0				0				466				0				0				0				1,350
Ending balance		$	148,575			$	13,038			$	12,616			$	84,728			$	23,153			$	39,177			$	42,655			$	363,942

		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

Impaired Financing Receivables [Table Text Block]

		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
		(In thousands)
Loans with no related allowance recorded:
Residential real estate		$	1,938			$	2,330			$	0			$	1,356			$	19
Land			24				27				0				20				0
Construction			0				0				0				0				0
Commercial real estate			3,389				3,706				0				2,092				76
Commercial business			67				67				0				19				0
Home equity and second mortgage			56				65				0				64				2
Other consumer			0				0				0				0				0
		$	5,474			$	6,195			$	0			$	3,551			$	97
Loans with an allowance recorded:
Residential real estate		$	58			$	62			$	6			$	190			$	0
Land			0				0				0				0				0
Construction			0				0				0				0				0
Commercial real estate			234				260				49				78				0
Commercial business			100				100				100				355				0
Home equity and second mortgage			80				81				11				80				0
Other consumer			0				0				0				0				0
		$	472			$	503			$	166			$	703			$	0
Total:
Residential real estate		$	1,996			$	2,392			$	6			$	1,546			$	19
Land 24			27				0				20				0
Construction			0				0				0				0				0
Commercial real estate			3,623				3,966				49				2,170				76
Commercial business			167				167				100				374				0
Home equity and second mortgage			136				146				11				144				2
Other consumer			0				0				0				0				0
		$	5,946			$	6,698			$	166			$	4,254			$	97

		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest 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

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

		December 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 real estate		$	1,648			$	271			$	1,919			$	919			$	68			$	987
Land			24				75				99				16				0				16
Construction			0				0				0				0				0				0
Commercial real estate			2,267				0				2,267				433				0				433
Commercial business			167				0				167				1,642				0				1,642
Home equity and second mortgage			116				0				116				129				14				143
Other consumer			0				9				9				0				3				3
Total		$	4,222			$	355			$	4,577			$	3,139			$	85			$	3,224

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				Purchased Credit Impaired Loans				Total Loans
						(In thousands)
Residential real estate		$	3,078			$	786			$	1,256			$	5,120			$	142,571			$	884			$	148,575
Land			55				26				99				180				12,858				0				13,038
Construction			71				0				0				71				12,545				0				12,616
Commercial real estate			435				773				396				1,604				82,658				466				84,728
Commercial business			0				100				67				167				22,986				0				23,153
Home equity and second mortgage			365				6				80				451				38,726				0				39,177
Other consumer			464				13				9				486				42,169				0				42,655
Total		$	4,468			$	1,704			$	1,907			$	8,079			$	354,513			$	1,350			$	363,942

		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

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, 2015:
Pass		$	140,438			$	10,077			$	12,286			$	76,389			$	22,365			$	38,956			$	42,553			$	343,064
Special mention			3,657				125				330				4,446				471				0				53				9,082
Substandard			1,948				2,812				0				1,195				150				105				49				6,259
Doubtful			2,532				24				0				2,698				167				116				0				5,537
Loss			0				0				0				0				0				0				0				0
Total		$	148,575			$	13,038			$	12,616			$	84,728			$	23,153			$	39,177			$	42,655			$	363,942
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]

		December 31, 2015																December 31, 2014
		Accruing				Nonaccrual				Total				Related Allowance for Loan Losses				Accruing				Nonaccrual				Total				Related Allowance for Loan Losses
		(In thousands)
Residential real estate		$	342			$	315			$	657			$	0			$	492			$	166			$	658			$	6
Commercial real estate			1,348				294				1,642				0				1,386				338				1,724				0
Commercial business			0				0				0				0				0				1,642				1,642				1,292
Home equity and second mortgage			20				0				20				0				22				0				22				0
Total		$	1,710			$	609			$	2,319			$	0			$	1,900			$	2,146			$	4,046			$	1,298

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

Schedule of Purchased Credit Impaired Loans [Table Text Block]

(In thousands)
Residential real estate		$	884
Commercial real estate			466
		$	1,350

Schedule of Purchased Credit Impaired Loans, Accretable Yield or Income Expected [Table Text Block]

(In thousands)
Balance at January 1		$	-
New loans purchased			331
Accretion to income			(12	)
Disposals of loans			-
Reclassification (to) from nonaccretable difference			-
Balance at December 31		$	319

Financing Receivable [Member]

Note 5 - 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, 2015:
Principal loan balance		$	147,933			$	12,962			$	12,555			$	84,493			$	23,095			$	38,476			$	42,484			$	361,998
Accrued interest receivable			584				70				61				281				64				130				171				1,361
Net deferred loan origination fees and costs			58				6				0				(46	)			(6	)			571				0				583
Recorded investment in loans		$	148,575			$	13,038			$	12,616			$	84,728			$	23,153			$	39,177			$	42,655			$	363,942
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

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-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953682-111524

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