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Note 4 - Loans and Allowance for Loan Losses - Loans (Details) - USD ($) $ in Thousands | Dec. 31, 2018 | Dec. 31, 2017 | Dec. 31, 2016 | Dec. 31, 2015
--- | --- | --- | --- | ---
Loans | $ 463,905 | $ 437,231 |  |
Less undisbursed portion of loans in process | (26,675) | (25,020) |  |
Principal loan balance | 437,230 | 412,211 |  |
Deferred loan origination fees and costs, net | 1,095 | 1,041 |  |
Allowance for loan losses | (4,065) | (3,634) | $ (3,386) | $ (3,415)
Loans, net | 434,260 | 409,618 |  |
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member] |  |  |  |
Loans | 136,445 | 136,399 |  |
Allowance for loan losses | (693) | (219) | (380) | (527)
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member] |  |  |  |
Loans | 22,607 | 18,198 |  |
Principal loan balance | 22,607 | 18,198 |  |
Deferred loan origination fees and costs, net | 18 | 17 |  |
Allowance for loan losses | (162) | (133) | (56) | (157)
Real Estate Mortgage Portfolio Segment [Member] | Residential Construction [Member] |  |  |  |
Loans | 31,459 | 28,854 |  |
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member] |  |  |  |
Loans | 107,445 | 100,133 |  |
Principal loan balance | 107,445 | 100,133 |  |
Deferred loan origination fees and costs, net | (38) | (42) |  |
Allowance for loan losses | (1,401) | (1,622) | (1,670) | (1,541)
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Construction [Member] |  |  |  |
Loans | 20,591 | 17,161 |  |
Commercial Portfolio Segment [Member] |  |  |  |
Loans | 36,297 | 34,114 |  |
Principal loan balance | 36,297 | 34,114 |  |
Deferred loan origination fees and costs, net |  | 2 |  |
Allowance for loan losses | (459) | (291) | (198) | (261)
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] |  |  |  |
Loans | 51,731 | 49,802 |  |
Principal loan balance | 51,731 | 49,802 |  |
Deferred loan origination fees and costs, net | 1,025 | 987 |  |
Allowance for loan losses | (443) | (710) | (683) | (626)
Consumer Portfolio Segment [Member] | Automobile Loan [Member] |  |  |  |
Loans | 42,124 | 38,361 |  |
Consumer Portfolio Segment [Member] | Loans Secured by Deposits [Member] |  |  |  |
Loans | 1,399 | 1,751 |  |
Consumer Portfolio Segment [Member] | Unsecured Loan [Member] |  |  |  |
Loans | 3,638 | 3,744 |  |
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member] |  |  |  |
Loans | 10,169 | 8,714 |  |
Principal loan balance | 57,330 | 52,570 |  |
Deferred loan origination fees and costs, net |  |  |  |
Allowance for loan losses |  |  | $ (319) | $ (256)

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- Definition Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 45 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=82891408&loc=d3e4428-111522 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=84173941&loc=d3e5074-111524 + Details
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