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

3 Months Ended

Mar. 31, 2016

Financing Receivable [Member]

Notes Tables

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

		Residential												Commercial				Commercial				Home Equity &				Other
		Real Estate				Land				Construction				Real Estate				Business				2nd Mtg				Consumer				Total
		(In thousands)
Recorded Investment in Loans:
Principal loan balance		$	144,192			$	13,108			$	10,419			$	86,684			$	24,568			$	37,835			$	43,335			$	360,141
Accrued interest receivable			617				63				44				321				89				132				173				1,439
Net deferred loan origination fees and costs			67				8				1				(42	)			(6	)			588				0				616
Recorded investment in loans		$	144,876			$	13,179			$	10,464			$	86,963			$	24,651			$	38,555			$	43,508			$	362,196
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment		$	1,961			$	0			$	0			$	3,360			$	163			$	66			$	48			$	5,598
Collectively evaluated for impairment			142,405				13,179				10,464				83,206				24,488				38,489				43,460				355,691
Acquired with deteriorated credit quality			510				0				0				397				0				0				0				907
Ending balance		$	144,876			$	13,179			$	10,464			$	86,963			$	24,651			$	38,555			$	43,508			$	362,196

		Residential												Commercial				Commercial				Home Equity &				Other
		Real Estate				Land				Construction				Real Estate				Business				2nd Mtg				Consumer				Total
		(In thousands)
Recorded Investment in Loans:
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
Recorded Investment in Loans as Evaluated for Impairment:
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

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

		March 31,				December 31,
(In thousands)		2016				2015
Real estate mortgage loans:
Residential		$	144,192			$	147,933
Land			13,108				12,962
Residential construction			13,764				16,391
Commercial real estate			86,684				84,493
Commercial real estate contruction			1,547				1,090
Commercial business loans			24,568				23,095
Consumer loans:
Home equity and second mortgage loans			37,835				38,476
Automobile loans			30,294				28,828
Loans secured by savings accounts			1,958				2,096
Unsecured loans			3,996				4,350
Other consumer loans			7,087				7,210
Gross loans			365,033				366,924
Less undisbursed portion of loans in process			(4,892	)			(4,926	)
Principal loan balance			360,141				361,998
Deferred loan origination fees, net			616				583
Allowance for loan losses			(3,319	)			(3,415	)
Loans, net		$	357,438			$	359,166

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

		Residential												Commercial				Commercial				Home Equity &				Other
		Real Estate				Land				Construction				Real Estate				Business				2nd Mtg				Consumer				Total
		(In thousands)
Ending allowance balance attributable to loans:
Individually evaluated for impairment		$	43			$	0			$	0			$	84			$	100			$	14			$	16			$	257
Collectively evaluated for impairment			421				84				45				1,384				173				707				242				3,056
Acquired with deteriorated credit quality			6				0				0				0				0				0				0				6
Ending balance		$	470			$	84			$	45			$	1,468			$	273			$	721			$	258			$	3,319

		Residential												Commercial				Commercial				Home Equity &				Other
		Real Estate				Land				Construction				Real Estate				Business				2nd Mtg				Consumer				Total
		(In thousands)
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

		Residential												Commercial				Commercial				Home Equity				Other
		Real Estate				Land				Construction				Real Estate				Business				2nd Mtg				Consumer				Total
		(In thousands)
Allowance for loan losses:
Beginning balance		$	527			$	157			$	47			$	1,541			$	261			$	626			$	256			$	3,415
Provisions for loan losses			(29	)			(64	)			(2	)			(63	)			10				126				97				75
Charge-offs			(40	)			(9	)			0				(14	)			0				(35	)			(125	)			(223	)
Recoveries			12				0				0				4				2				4				30				52
Ending balance		$	470			$	84			$	45			$	1,468			$	273			$	721			$	258			$	3,319

		Residential												Commercial				Commercial				Home Equity &				Other
		Real Estate				Land				Construction				Real Estate				Business				2nd Mtg				Consumer				Total
		(In thousands)
Allowance for loan losses:
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

Impaired Financing Receivables [Table Text Block]

		At March 31, 2016												Three Months Ended March 31, 2016								Three Months Ended March 31, 2015
						Unpaid								Average				Interest				Average				Interest
		Recorded				Principal				Related				Recorded				Income				Recorded				Income
		Investment				Balance				Allowance				Investment				Recognized				Investment				Recognized
		(In thousands)
Loans with no related allowance recorded:
Residential		$	1,751			$	2,099			$	0			$	1,845			$	6			$	1,245			$	5
Land			0				0				0				12				0				18				0
Construction			0				0				0				0				0				0				0
Commercial real estate			3,129				3,445				0				3,259				19				1,781				19
Commercial business			63				66				0				65				0				13				0
Home equity/2nd mortgage			52				62				0				56				0				69				0
Other consumer			0				0				0				0				0				0				0
			4,995				5,672				0				5,237				25				3,126				24
Loans with an allowance recorded:
Residential			210				215				43				134				0				240				0
Land			0				0				0				0				0				0				0
Construction			0				0				0				0				0				0				0
Commercial real estate			231				258				84				233				0				41				0
Commercial business			100				100				100				100				0				839				0
Home equity/2nd mortgage			14				14				14				47				0				80				0
Other consumer			48				48				16				24				0				0				0
			603				635				257				538				0				1,200				0
Total:
Residential			1,961				2,314				43				1,979				6				1,485				5
Land			0				0				0				12				0				18				0
Construction			0				0				0				0				0				0				0
Commercial real estate			3,360				3,703				84				3,492				19				1,822				19
Commercial business			163				166				100				165				0				852				0
Home equity/2nd mortgage			66				76				14				103				0				149				0
Other consumer			48				48				16				24				0				0				0
		$	5,598			$	6,307			$	257			$	5,775			$	25			$	4,326			$	24

						Unpaid
		Recorded				Principal				Related
		Investment				Balance				Allowance
		(In thousands)
Loans with no related allowance recorded:
Residential		$	1,938			$	2,330			$	0
Land			24				27				0
Construction			0				0				0
Commercial real estate			3,389				3,706				0
Commercial business			67				67				0
Home equity/2nd mortgage			56				65				0
Other consumer			0				0				0
			5,474				6,195				0
Loans with an allowance recorded:
Residential			58				62				6
Land			0				0				0
Construction			0				0				0
Commercial real estate			234				260				49
Commercial business			100				100				100
Home equity/2nd mortgage			80				81				11
Other consumer			0				0				0
			472				503				166
Total:
Residential			1,996				2,392				6
Land			24				27				0
Construction			0				0				0
Commercial real estate			3,623				3,966				49
Commercial business			167				167				100
Home equity/2nd mortgage			136				146				11
Other consumer			0				0				0
		$	5,946			$	6,698			$	166

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

		March 31, 2016												December 31, 2015
						Loans 90+ Days				Total								Loans 90+ Days				Total
		Nonaccrual				Past Due				Nonperforming				Nonaccrual				Past Due				Nonperforming
		Loans				Still Accruing				Loans				Loans				Still Accruing				Loans
		(In thousands)
Residential		$	1,468			$	13			$	1,481			$	1,648			$	271			$	1,919
Land			0				0				0				24				75				99
Construction			0				0				0				0				0				0
Commercial real estate			2,014				0				2,014				2,267				0				2,267
Commercial business			163				0				163				167				0				167
Home equity/2nd mortgage			46				0				46				116				0				116
Other consumer			48				2				50				0				9				9
Total		$	3,739			$	15			$	3,754			$	4,222			$	355			$	4,577

Past Due Financing Receivables [Table Text Block]

																						Purchased
		30-59 Days				60-89 Days				90 Days or More				Total								Credit				Total
		Past Due				Past Due				Past Due				Past Due				Current				Impaired Loans				Loans
		(In thousands)
Residential		$	2,804			$	684			$	731			$	4,219			$	140,147			$	510			$	144,876
Land			185				73				0				258				12,921				0				13,179
Construction			0				0				0				0				10,464				0				10,464
Commercial real estate			105				237				963				1,305				85,261				397				86,963
Commercial business			8				0				163				171				24,480				0				24,651
Home equity/2nd mortgage			330				0				14				344				38,211				0				38,555
Other consumer			181				32				50				263				43,245				0				43,508
Total		$	3,613			$	1,026			$	1,921			$	6,560			$	354,729			$	907			$	362,196

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

Financing Receivable Credit Quality Indicators [Table Text Block]

		Residential												Commercial				Commercial				Home Equity &				Other
		Real Estate				Land				Construction				Real Estate				Business				2nd Mtg				Consumer				Total
		(In thousands)
March 31, 2016
Pass		$	139,910			$	10,336			$	10,300			$	76,730			$	23,870			$	38,509			$	43,414			$	343,069
Special Mention			1,399				124				164				7,157				618				0				46				9,508
Substandard			1,656				2,719				0				701				0				0				0				5,076
Doubtful			1,911				0				0				2,375				163				46				48				4,543
Loss			0				0				0				0				0				0				0				0
Total		$	144,876			$	13,179			$	10,464			$	86,963			$	24,651			$	38,555			$	43,508			$	362,196
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

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		March 31, 2016																December 31, 2015
														Related Allowance																Related Allowance
		Accruing				Nonaccrual				Total				for Loan Losses				Accruing				Nonaccrual				Total				for Loan Losses
		(In thousands)
Troubled debt restructurings:
Residential real estate		$	342			$	328			$	670			$	0			$	342			$	315			$	657			$	0
Commercial real estate			1,339				252				1,591				0				1,348				294				1,642				0
Commercial business			0				0				0				0				0				0				0				0
Home equity and 2nd mortgage			19				0				19				0				20				0				20				0
Total		$	1,700			$	580			$	2,280			$	0			$	1,710			$	609			$	2,319			$	0

Schedule of Purchased Credit Impaired Loans [Table Text Block]

		March 31 ,				December 31 ,
(In thousands)		2016				2015
Residential real estate		$	510			$	884
Commercial real estate			397				466
Carrying amount			907				1,350
Allowance for loan losses			(6	)			-
Carrying amount, net of allowance		$	901			$	1,350

Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Table Text Block]

(In thousands)
Balance at January 1		$	319
New loans purchased			-
Accretion to income			(25	)
Disposals and other adjustments			(53	)
Reclassification (to) from nonaccretable difference			(96	)
Balance at March 31		$	145

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