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

6 Months Ended

Jun. 30, 2015

Receivables [Abstract]

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

(in thousands)		June 30,				December 31,
		2015				2014
Commercial		$	56,960			$	53,973
Commercial Real Estate			273,653				254,505
Construction			8,878				3,096
Construction to permanent			9,370				10,627
Residential			97,501				108,543
Consumer			47,551				46,164
Total Loans			493,913				476,908
Allowance for loan losses			(5,208	)			(4,924	)
Loans receivable, net		$	488,705			$	471,984

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

(in thousands)
Three months ended June 30, 2015		Commercial				Commercial Real Estate				Construction				Construction to Permanent				Residential				Consumer				Unallocated				Total
Allowance for loan losses:
Beginning Balance		$	1,297			$	2,024			$	222			$	191			$	730			$	711			$	18			$	5,193
Charge-offs			-				-				-				-				-				-				-				-
Recoveries			14				-				-				-				-				1				-				15
Provision			(329	)			293				53				(41	)			(70	)			14				80				-
Ending Balance		$	982			$	2,317			$	275			$	150			$	660			$	726			$	98			$	5,208

Six months ended June 30, 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			30				-				-				5				-				9				-				44
Provision			(966	)			898				212				(70	)			(168	)			246				98				250
Ending Balance		$	982			$	2,317			$	275			$	150			$	660			$	726			$	98			$	5,208

June 30, 2015		Commercial				Commercial Real Estate				Construction				Construction to Permanent				Residential				Consumer				Unallocated				Total
Ending balance: individually evaluated for impairment		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Ending balance: collectively evaluated for impairment			982				2,317				275				150				660				726				98				5,208
Total Allowance for Loan Losses		$	982			$	2,317			$	275			$	150			$	660			$	726			$	98			$	5,208
Total Loans ending balance		$	56,960			$	273,653			$	8,878			$	9,370			$	97,501			$	47,551			$	-			$	493,913
Ending balance: individually evaluated for impairment		$	-			$	8,002			$	-			$	-			$	3,386			$	550			$	-			$	11,938
Ending balance: collectively evaluated for impairment		$	56,960			$	265,651			$	8,878			$	9,370			$	94,115			$	47,001			$	-			$	481,975

(in thousands)
Three months ended June 30, 2014		Commercial				Commercial Real Estate				Construction				Construction to Permanent				Residential				Consumer				Unallocated				Total
Allowance for loan losses:
Beginning Balance		$	2,371			$	1,320			$	260			$	34			$	704			$	539			$	252			$	5,480
Charge-offs			(2	)			-				(260	)			-				(18	)			(5	)			-				(285	)
Recoveries			4				15				-				-				-				-				-				19
Provision			105				(210	)			-				115				(56	)			160				(114	)			-
Ending Balance		$	2,478			$	1,125			$	-			$	149			$	630			$	694			$	138			$	5,214

Six months ended June 30, 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			(11	)			-				(260	)			-				(195	)			(36	)			-				(502	)
Recoveries			4				30				-				-				-				1				-				35
Provision			200				(490	)			-				124				30				195				(59	)			-
Ending Balance		$	2,478			$	1,125			$	-			$	149			$	630			$	694			$	138			$	5,214

June 30, 2014		Commercial				Commercial Real Estate				Construction				Construction to Permanent				Residential				Consumer				Unallocated				Total
Ending balance: individually evaluated for impairment		$	1,750			$	307			$	-			$	-			$	-			$	5			$	-			$	2,062
Ending balance: collectively evaluated for impairment			728				818				-				149				630				689				138				3,152
Total Allowance for Loan Losses		$	2,478			$	1,125			$	-			$	149			$	630			$	694			$	138			$	5,214
Total Loans ending balance		$	37,849			$	219,762			$	-			$	14,436			$	89,517			$	45,781			$	-			$	407,345
Ending balance: individually evaluated for impairment		$	7,291			$	11,610			$	-			$	-			$	5,115			$	588			$	-			$	24,604
Ending balance: collectively evaluated for impairment		$	30,558			$	208,152			$	-			$	14,436			$	84,402			$	45,193			$	-			$	382,741

(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		$	-			$	-			$	-			$	-			$	131			$	131
Total Commercial Real Estate		$	-			$	-			$	-			$	-			$	131			$	131
Residential Real Estate
Substandard		$	-			$	-			$	380			$	380			$	-			$	380
Total Residential Real Estate		$	-			$	-			$	380			$	380			$	-			$	380
Total		$	-			$	-			$	380			$	380			$	131			$	511

(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		$	1,976			$	-			$	-			$	1,976			$	49,475			$	51,451			$	-			$	51,451
Special Mention			-				-				-				-				106				106				-				106
Substandard			-				-				-				-				5,403				5,403				-				5,403
Total Commercial		$	1,976			$	-			$	-			$	1,976			$	54,984			$	56,960			$	-			$	56,960
Commercial Real Estate
Pass		$	138			$	-			$	-			$	138			$	264,711			$	264,849			$	-			$	264,849
Special Mention			-				-				-				-				6,955				6,955				-				6,955
Substandard			-				-				-				-				1,718				1,718				131				1,849
Total Commercial Real Estate		$	138			$	-			$	-			$	138			$	273,384			$	273,522			$	131			$	273,653
Construction
Pass		$	-			$	-			$	-			$	-			$	8,878			$	8,878			$	-			$	8,878
Total Construction		$	-			$	-			$	-			$	-			$	8,878			$	8,878			$	-			$	8,878
Construction to Permanent
Pass		$	-			$	-			$	-			$	-			$	9,370			$	9,370			$	-			$	9,370
Total Construction to Permanent		$	-			$	-			$	-			$	-			$	9,370			$	9,370			$	-			$	9,370
Residential Real Estate
Pass		$	171			$	84			$	1,522			$	1,777			$	95,344			$	97,121			$	-			$	97,121
Substandard			-				-				-				-				-				-				380				380
Total Residential Real Estate		$	171			$	84			$	1,522			$	1,777			$	95,344			$	97,121			$	380			$	97,501
Consumer
Pass		$	15			$	102			$	7			$	124			$	47,427			$	47,551			$	-			$	47,551
Total Consumer		$	15			$	102			$	7			$	124			$	47,427			$	47,551			$	-			$	47,551
Total
Pass		$	2,300			$	186			$	1,529			$	4,015			$	475,205			$	479,220			$	-			$	479,220
Special Mention			-				-				-				-				7,061				7,061				-				7,061
Substandard			-				-				-				-				7,121				7,121				511				7,632
Grand Total		$	2,300			$	186			$	1,529			$	4,015			$	489,387			$	493,402			$	511			$	493,913

(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		$	-			$	98			$	-
Commercial Real Estate			8,002				8,836				-
Construction			-				287				-
Residential			3,386				3,414				-
Consumer			550				637				-
Total:		$	11,938			$	13,272			$	-
With an allowance recorded:
Commercial		$	-			$	-			$	-
Commercial Real Estate			-				-				-
Construction			-				-				-
Residential			-				-				-
Consumer			-				-				-
Total:		$	-			$	-			$	-
Commercial		$	-			$	98			$	-
Commercial Real Estate			8,002				8,836				-
Construction			-				287				-
Residential			3,386				3,414				-
Consumer			550				637				-
Total:		$	11,938			$	13,272			$	-

(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 June 30
		2015								2014
(in thousands)		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
Commercial		$	-			$	-			$	436			$	-
Commercial Real Estate			8,025				94				8,661				86
Construction			-				-				-				-
Residential			3,392				32				4,761				32
Consumer			551				5				584				5
Total:		$	11,968			$	131			$	14,442			$	123
With an allowance recorded:
Commercial		$	-			$	-			$	6,017			$	-
Commercial Real Estate			-				-				1,091				-
Construction			-				-				173				-
Residential			-				-				381				-
Consumer			-				-				3				-
Total:		$	-			$	-			$	7,665			$	-
Commercial		$	-			$	-			$	6,453			$	-
Commercial Real Estate			8,025				94				9,752				86
Construction			-				-				173				-
Residential			3,392				32				5,142				32
Consumer			551				5				587				5
Total:		$	11,968			$	131			$	22,107			$	123

		Six Months Ended June 30
		2015								2014
(in thousands)		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
Commercial		$	1			$	-			$	219			$	-
Commercial Real Estate			8,160				188				8,301				157
Construction			-				-				397				-
Residential			3,459				63				4,791				65
Consumer			552				9				585				14
Total:		$	12,172			$	260			$	14,293			$	236
With an allowance recorded:
Commercial		$	-			$	-			$	6,047			$	-
Commercial Real Estate			-				-				625				-
Construction			-				-				217				-
Residential			-				-				511				-
Consumer			1				-				2				-
Total:		$	1			$	-			$	7,402			$	-
Commercial		$	1			$	-			$	6,266			$	-
Commercial Real Estate			8,160				188				8,926				157
Construction			-				-				614				-
Residential			3,459				63				5,302				65
Consumer			553				9				587				14
Total:		$	12,173			$	260			$	21,695			$	236

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