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

3 Months Ended

Mar. 31, 2015

Receivables [Abstract]

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

(in thousands)		March 31,				December 31,
		2015				2014
Commercial		$	52,476			$	53,973
Commercial Real Estate			281,387				254,505
Construction			7,024				3,096
Construction to permanent			9,988				10,627
Residential			102,521				108,543
Consumer			45,963				46,164
Total Loans			499,359				476,908
Allowance for loan losses			(5,193	)			(4,924	)
Loans receivable, net		$	494,166			$	471,984

Allowance for Credit Losses on Financing Receivables [Table Text Block]

(in thousands)
Three months ended March 31, 2015		Commercial				Commercial Real Estate				Construction				Construction to Permanent				Residential				Consumer				Unallocated				Total
Allowance for loan losses:
Beginning Balance		$	1,918			$	1,419			$	63			$	215			$	831			$	478			$	-			$	4,924
Charge-offs			-				-				-				-				(3	)			(7	)			-				(10	)
Recoveries			16				-				-				5				-				8				-				29
Provision			(637	)			605				159				(29	)			(98	)			232				18				250
Ending Balance		$	1,297			$	2,024			$	222			$	191			$	730			$	711			$	18			$	5,193
Ending balance: individually evaluated for impairment		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Ending balance: collectively evaluated for impairment			1,297				2,024				222				191				730				711				18				5,193
Total Allowance for Loan Losses		$	1,297			$	2,024			$	222			$	191			$	730			$	711			$	18			$	5,193
March 31, 2015
Total Loans ending balance		$	52,476			$	281,387			$	7,024			$	9,988			$	102,521			$	45,963			$	-			$	499,359
Ending balance: individually evaluated for impairment		$	-			$	8,272			$	-			$	-			$	3,406			$	552			$	-			$	12,230
Ending balance: collectively evaluated for impairment		$	52,476			$	273,115			$	7,024			$	9,988			$	99,115			$	45,411			$	-			$	487,129

(in thousands)
Three months ended March 31, 2014		Commercial				Commercial Real Estate				Construction				Construction to Permanent				Residential				Consumer				Unallocated				Total
Allowance for loan losses:
Beginning Balance		$	2,285			$	1,585			$	260			$	25			$	795			$	534			$	197			$	5,681
Charge-offs			(9	)			-				-				-				(178	)			(30	)			-				(217	)
Recoveries			-				-				-				-				15				1				-				16
Provision			95				(265	)			-				9				72				34				55			$	-
Ending Balance		$	2,371			$	1,320			$	260			$	34			$	704			$	539			$	252			$	5,480
Ending balance: individually evaluated for impairment		$	1,500			$	17			$	260			$	-			$	21			$	2			$	-			$	1,800
Ending balance: collectively evaluated for impairment			871				1,303				-				34				683				537				252				3,680
Total Allowance for Loan Losses		$	2,371			$	1,320			$	260			$	34			$	704			$	539			$	252			$	5,480
March 31, 2014
Total Loans ending balance		$	38,838			$	217,674			$	260			$	12,718			$	103,766			$	47,347			$	-			$	420,603
Ending balance: individually evaluated for impairment		$	6,052			$	8,855			$	260			$	-			$	5,192			$	588			$	-			$	20,947
Ending balance: collectively evaluated for impairment		$	32,786			$	208,819			$	-			$	12,718			$	98,574			$	46,759			$	-			$	399,656

(in thousands)
December 31, 2014		Commercial				Commercial Real Estate				Construction				Construction to Permanent				Residential				Consumer				Total
Ending balance: individually evaluated for impairment		$	-			$	-			$	-			$	-			$	-			$	7			$	7
Ending balance: collectively evaluated for impairment			1,918				1,419				63				215				831				471				4,917
Total Allowance for Loan Losses		$	1,918			$	1,419			$	63			$	215			$	831			$	478			$	4,924
Total Loans ending balance		$	53,973			$	254,505			$	3,096			$	10,627			$	108,543			$	46,164			$	476,908
Ending balance: individually evaluated for impairment			2				7,398				-				-				3,764				560				11,724
Ending balance: collectively evaluated for impairment		$	53,971			$	247,107			$	3,096			$	10,627			$	104,779			$	45,604			$	465,184

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

(in thousands)		Non-Accrual Loans
2015		31-60 Days Past Due				61-90 Days Past Due				Greater Than 90 Days				Total Past Due				Current				Total Non-Accrual Loans
Commercial Real Estate Substandard		$	-			$	-			$	-			$	-			$	135			$	135
Total Commercial Real Estate		$	-			$	-			$	-			$	-			$	135			$	135
Residential Real Estate Substandard		$	-			$	-			$	380			$	380			$	-			$	380
Total Residential Real Estate		$	-			$	-			$	380			$	380			$	-			$	380
Total		$	-			$	-			$	380			$	380			$	135			$	515

(in thousands)		Non-Accrual Loans
2014		31-60 Days Past Due				61-90 Days Past Due				Greater Than 90 Days				Total Past Due				Current				Total Non-Accrual Loans
Commercial
Substandard		$	-			$	-			$	2			$	2			$	-			$	2
Total Commercial		$	-			$	-			$	2			$	2			$	-			$	2
Commercial Real Estate
Substandard		$	-			$	-			$	-			$	-			$	138			$	138
Total Commercial Real Estate		$	-			$	-			$	-			$	-			$	138			$	138
Residential Real Estate
Substandard		$	-			$	-			$	719			$	719			$	-			$	719
Total Residential Real Estate		$	-			$	-			$	719			$	719			$	-			$	719
Consumer
Substandard		$	-			$	-			$	7			$	7			$	-			$	7
Total Consumer		$	-			$	-			$	7			$	7			$	-			$	7
Total		$	-			$	-			$	728			$	728			$	138			$	866

Schedule of Financing Receivables Performing and Non-Accrual Status [Table Text Block]

(in thousands)		Performing (Accruing) Loans
2015		31-60 Days Past Due				61-90 Days Past Due				Greater Than 90 Days				Total Past Due				Current				Total Performing Loans				Total Non-Accrual Loans				Total Loans
Commercial
Pass		$	40			$	-			$	-			$	40			$	46,732			$	46,772			$	-			$	46,772
Special Mention			-				-				-				-				113				113				-				113
Substandard			-				-				-				-				5,591				5,591				-				5,591
Total Commercial		$	40			$	-			$	-			$	40			$	52,436			$	52,476			$	-			$	52,476
Commercial Real Estate
Pass		$	-			$	-			$	-			$	-			$	271,956			$	271,956			$	-			$	271,956
Special Mention			1,032				-				-				1,032				5,986				7,018				-				7,018
Substandard			-				-				-				-				2,278				2,278				135				2,413
Total Commercial Real Estate		$	1,032			$	-			$	-			$	1,032			$	280,220			$	281,252			$	135			$	281,387
Construction
Pass		$	-			$	-			$	-			$	-			$	7,024			$	7,024			$	-			$	7,024
Total Construction		$	-			$	-			$	-			$	-			$	7,024			$	7,024			$	-			$	7,024
Construction to Permanent
Pass		$	-			$	-			$	-			$	-			$	9,988			$	9,988			$	-			$	9,988
Total Construction to Permanent		$	-			$	-			$	-			$	-			$	9,988			$	9,988			$	-			$	9,988
Residential Real Estate
Pass		$	30			$	178			$	1,537			$	1,745			$	100,396			$	102,141			$	-			$	102,141
Substandard			-				-				-				-				-				-				380				380
Total Residential Real Estate		$	30			$	178			$	1,537			$	1,745			$	100,396			$	102,141			$	380			$	102,521
Consumer
Pass		$	4			$	99			$	-			$	103			$	45,860			$	45,963			$	-			$	45,963
Total Consumer		$	4			$	99			$	-			$	103			$	45,860			$	45,963			$	-			$	45,963
Total
Pass		$	74			$	277			$	1,537			$	1,888			$	481,956			$	483,844			$	-			$	483,844
Special Mention			1,032				-				-				1,032				6,099				7,131				-				7,131
Substandard			-				-				-				-				7,869				7,869				515				8,384
Grand Total		$	1,106			$	277			$	1,537			$	2,920			$	495,924			$	498,844			$	515			$	499,359

(in thousands)		Performing (Accruing) Loans
2014		31-60 Days Past Due				61-90 Days Past Due				Greater Than 90 Days				Total Past Due				Current				Total Performing Loans				Total Non-Accrual Loans				Total Loans
Commercial
Pass		$	1,520			$	-			$	279			$	1,799			$	46,279			$	48,078			$	-			$	48,078
Special Mention			-				-				-				-				121				121				-				121
Substandard			-				-				-				-				5,772				5,772				2				5,774
Total Commercial		$	1,520			$	-			$	279			$	1,799			$	52,172			$	53,971			$	2			$	53,973
Commercial Real Estate
Pass		$	-			$	-			$	-			$	-			$	248,132			$	248,132			$	-			$	248,132
Special Mention			1,041				-				-				1,041				2,887				3,928				-				3,928
Substandard			-				815				-				815				1,492				2,307				138				2,445
Total Commercial Real Estate		$	1,041			$	815			$	-			$	1,856			$	252,511			$	254,367			$	138			$	254,505
Construction
Pass		$	-			$	-			$	-			$	-			$	3,096			$	3,096			$	-			$	3,096
Total Construction		$	-			$	-			$	-			$	-			$	3,096			$	3,096			$	-			$	3,096
Construction to Permanent
Pass		$	-			$	-			$	-			$	-			$	10,627			$	10,627			$	-			$	10,627
Total Construction to Permanent		$	-			$	-			$	-			$	-			$	10,627			$	10,627			$	-			$	10,627
Residential Real Estate
Pass		$	172			$	87			$	1,553			$	1,812			$	106,012			$	107,824			$	-			$	107,824
Substandard			-				-				-				-				-				-				719				719
Total Residential Real Estate		$	172			$	87			$	1,553			$	1,812			$	106,012			$	107,824			$	719			$	108,543
Consumer
Pass		$	-			$	2			$	-			$	2			$	46,155			$	46,157			$	-			$	46,157
Substandard			-				-				-				-				-				-				7				7
Total Consumer		$	-			$	2			$	-			$	2			$	46,155			$	46,157			$	7			$	46,164
Total
Pass		$	1,692			$	89			$	1,832			$	3,613			$	460,301			$	463,914			$	-			$	463,914
Special Mention			1,041				-				-				1,041				3,008				4,049				-				4,049
Substandard			-				815				-				815				7,264				8,079				866				8,945
Grand Total		$	2,733			$	904			$	1,832			$	5,469			$	470,573			$	476,042			$	866			$	476,908

Impaired Financing Receivables [Table Text Block]

(in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance
With no related allowance recorded:
Commercial		$	-			$	101			$	-
Commercial Real Estate			8,272				9,113				-
Construction			-				287				-
Residential			3,406				3,433				-
Consumer			552				639				-
Total:		$	12,230			$	13,573			$	-
With an allowance recorded:
Commercial		$	-			$	-			$	-
Commercial Real Estate			-				-				-
Construction			-				-				-
Residential			-				-				-
Consumer			-				-				-
Total:		$	-			$	-			$	-
Commercial		$	-			$	101			$	-
Commercial Real Estate			8,272				9,113				-
Construction			-				287				-
Residential			3,406				3,433				-
Consumer			552				639				-
Total:		$	12,230			$	13,573			$	-

(in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance
With no related allowance recorded:
Commercial		$	2			$	104			$	-
Commercial Real Estate			7,398				8,249				-
Construction			-				732				-
Residential			3,764				3,793				-
Consumer			553				633				-
Total:		$	11,717			$	13,511			$	-
With an allowance recorded:
Commercial		$	-			$	-			$	-
Commercial Real Estate			-				-				-
Construction			-				-				-
Residential			-				-				-
Consumer			7				7				7
Total:		$	7			$	7			$	7
Commercial		$	2			$	104			$	-
Commercial Real Estate			7,398				8,249				-
Construction			-				732				-
Residential			3,764				3,793				-
Consumer			560				640				7
Total:		$	11,724			$	13,518			$	7

		Three Months Ended March 31
		2015								2014
(in thousands)		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
Commercial		$	1			$	-			$	2				86
Commercial Real Estate			8,296				95				7,941				72
Construction			-				-				-				-
Construction to Permanent			-				-				788				-
Residential			3,525				32				4,821				32
Consumer			552				4				588				9
Total:		$	12,374			$	131			$	14,140			$	199
With an allowance recorded:
Commercial		$	-			$	-			$	6,078			$	-
Commercial Real Estate			-				-				158				-
Construction			-				-				260				-
Residential			-				-				662				-
Consumer			2				-				2				-
Total:		$	2			$	-			$	7,160
Commercial		$	1			$	-			$	6,080			$	86
Commercial Real Estate			8,296				95				8,099				72
Construction			-				-				260				-
Residential			3,525				32				5,483				32
Consumer			554				4				590				9
Total:		$	12,376			$	131			$	21,300			$	199

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Schedule of financing receivables performing and non accrual status.

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

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Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

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