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

9 Months Ended

Sep. 30, 2015

Receivables [Abstract]

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

(in thousands)		September 30,				December 31,
		2015				2014
Commercial		$	61,184			$	53,973
Commercial Real Estate			273,715				254,505
Construction			12,386				3,096
Construction to permanent			10,669				10,627
Residential			91,378				108,543
Consumer			46,982				46,164
Total Loans			496,314				476,908
Allowance for loan losses			(5,240	)			(4,924	)
Loans receivable, net		$	491,074			$	471,984

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

(in thousands)
Three months ended September 30, 2015		Commercial				Commercial Real Estate				Construction				Construction to Permanent				Residential				Consumer				Unallocated				Total
Allowance for loan losses:
Beginning Balance		$	982			$	2,317			$	275			$	150			$	660			$	726			$	98			$	5,208
Charge-offs			-				-				-				-				(7	)			(4	)			-				(11	)
Recoveries			7				35				-				-				-				1				-				43
Provision			(219	)			32				119				38				(26	)			(25	)			81				-
Ending Balance		$	770			$	2,384			$	394			$	188			$	627			$	698			$	179			$	5,240

Nine months ended September 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			-				-				-				-				(10	)			(11	)			-				(21	)
Recoveries			37				35				-				5				-				10				-				87
Provision			(1,185	)			930				331				(32	)			(194	)			221				179				250
Ending Balance		$	770			$	2,384			$	394			$	188			$	627			$	698			$	179			$	5,240

September 30, 2015		Commercial				Commercial Real Estate				Construction				Construction to Permanent				Residential				Consumer				Unallocated				Total
Ending balance: individually evaluated for impairment		$	-			$	-			$	-			$	-			$	-			$	3			$	-			$	3
Ending balance: collectively evaluated for impairment			770				2,384				394				188				627				695				179				5,237
Total Allowance for Loan Losses		$	770			$	2,384			$	394			$	188			$	627			$	698			$	179			$	5,240
Total Loans ending balance		$	61,184			$	273,715			$	12,386			$	10,669			$	91,378			$	46,982			$	-			$	496,314
Ending balance: individually evaluated for impairment		$	-			$	7,809			$	-			$	-			$	3,366			$	552			$	-			$	11,727
Ending balance: collectively evaluated for impairment		$	61,184			$	265,906			$	12,386			$	10,669			$	88,012			$	46,430			$	-			$	484,587

(in thousands)
Three months ended September 30, 2014		Commercial				Commercial Real Estate				Construction				Construction to Permanent				Residential				Consumer				Unallocated				Total
Allowance for loan losses:
Beginning Balance		$	2,478			$	1,125			$	-			$	149			$	630			$	694			$	138			$	5,214
Charge-offs			(25	)			(297	)			-				-				-				(4	)			-				(326	)
Recoveries			-				15				10				-				-				-				-				25
Provision			(263	)			261				66				(27	)			(76	)			-				39				-
Ending Balance		$	2,190			$	1,104			$	76			$	122			$	554			$	690			$	177			$	4,913

Nine months ended September 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			(37	)			(297	)			(260	)			-				(195	)			(39	)			-				(828	)
Recoveries			4				45				10				-				-				1				-				60
Provision			(62	)			(229	)			66				97				(46	)			194				(20	)			-
Ending Balance		$	2,190			$	1,104			$	76			$	122			$	554			$	690			$	177			$	4,913

September 30, 2014		Commercial				Commercial Real Estate				Construction				Construction to Permanent				Residential				Consumer				Unallocated				Total
Ending balance: individually evaluated for impairment		$	1,513			$	4			$	-			$	-			$	-			$	3			$	-			$	1,520
Ending balance: collectively evaluated for impairment			677				1,100				76				122				554				687				177				3,393
Total Allowance for Loan Losses		$	2,190			$	1,104			$	76			$	122			$	554			$	690			$	177			$	4,913
Total Loans ending balance		$	56,432			$	255,556			$	8,622			$	11,725			$	85,942			$	45,529			$	-			$	463,806
Ending balance: individually evaluated for impairment		$	5,827			$	8,404			$	-			$	-			$	4,978			$	558			$	-			$	19,767
Ending balance: collectively evaluated for impairment		$	50,605			$	247,152			$	8,622			$	11,725			$	80,964			$	44,971			$	-			$	444,039

(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		30-59 Days Past Due				60-89 Days Past Due				90 Days or More Past Due				Total Past Due				Current				Total Non-Accrual Loans
Commercial Real Estate
Substandard		$	-			$	-			$	-			$	-			$	-			$	-
Total Commercial Real Estate		$	-			$	-			$	-			$	-			$	-			$	-
Residential Real Estate
Substandard		$	-			$	-			$	380			$	380			$	-			$	380
Total Residential Real Estate		$	-			$	-			$	380			$	380			$	-			$	380
Consumer
Substandard		$	-			$	-			$	3			$	3			$	-			$	3
Total Consumer		$	-			$	-			$	3			$	3			$	-			$	3
Total		$	-			$	-			$	383			$	383			$	-			$	383

(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		30-59 Days Past Due				60-89 Days Past Due				90 Days or More Past Due				Total Past Due				Current				Total Performing Loans				Total Non- Accrual Loans				Total Loans
Commercial
Pass		$	-			$	3,061			$	74			$	3,135			$	52,849			$	55,984			$	-			$	55,984
Special Mention			-				-				-				-				101				101				-			$	101
Substandard			-				-				-				-				5,099				5,099				-			$	5,099
Total Commercial		$	-			$	3,061			$	74			$	3,135			$	58,049			$	61,184			$	-			$	61,184
Commercial Real Estate
Pass		$	-			$	3,310			$	1,624			$	4,934			$	260,186			$	265,120			$	-			$	265,120
Special Mention			-				1,014				-				1,014				5,887				6,901				-				6,901
Substandard			-				-				-				-				1,694				1,694				-				1,694
Total Commercial Real Estate		$	-			$	4,324			$	1,624			$	5,948			$	267,767			$	273,715			$	-			$	273,715
Construction
Pass		$	-			$	-			$	-			$	-			$	12,386			$	12,386			$	-			$	12,386
Total Construction		$	-			$	-			$	-			$	-			$	12,386			$	12,386			$	-			$	12,386
Construction to Permanent
Pass		$	-			$	-			$	-			$	-			$	10,669			$	10,669			$	-			$	10,669
Total Construction to Permanent		$	-			$	-			$	-			$	-			$	10,669			$	10,669			$	-			$	10,669
Residential Real Estate
Pass		$	-			$	1,342			$	1,594			$	2,936			$	88,062			$	90,998			$	-			$	90,998
Substandard			-				-				-				-				-				-				380				380
Total Residential Real Estate		$	-			$	1,342			$	1,594			$	2,936			$	88,062			$	90,998			$	380			$	91,378
Consumer
Pass		$	12			$	348			$	8			$	368			$	46,611			$	46,979			$	-			$	46,979
Substandard			-				-				-				-				-				-				3				3
Total Consumer		$	12			$	348			$	8			$	368			$	46,611			$	46,979			$	3			$	46,982
Total
Pass		$	12			$	8,061			$	3,300			$	11,373			$	470,763			$	482,136			$	-			$	482,136
Special Mention			-				1,014				-				1,014				5,988				7,002				-				7,002
Substandard			-				-				-				-				6,793				6,793				383				7,176
Grand Total		$	12			$	9,075			$	3,300			$	12,387			$	483,544			$	495,931			$	383			$	496,314

(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
Subsandard			-				-				-				-				-				-				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		$	-			$	97			$	-
Commercial Real Estate			7,809				8,332				-
Construction			-				287				-
Residential			3,366				3,394				-
Consumer			549				635				-
Total:		$	11,724			$	12,745			$	-
With an allowance recorded:
Commercial		$	-			$	-			$	-
Commercial Real Estate			-				-				-
Construction			-				-				-
Residential			-				-				-
Consumer			3				3				3
Total:		$	3			$	3			$	3
Commercial		$	-			$	97			$	-
Commercial Real Estate			7,809				8,332				-
Construction			-				287				-
Residential			3,366				3,394				-
Consumer			552				638				3
Total:		$	11,727			$	12,748			$	3

(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 September 30
		2015								2014
(in thousands)		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
Commercial		$	-			$	-			$	434			$	-
Commercial Real Estate			7,916				94				8,493				104
Construction			-				-				-				-
Residential			3,373				31				4,810				32
Consumer			549				4				573				5
Total:		$	11,838			$	129			$	14,310			$	141
With an allowance recorded:
Commercial		$	-			$	-			$	5,872			$	-
Commercial Real Estate			-				-				1,073				-
Construction			-				-				-				-
Residential			-				-				253				-
Consumer			1				-				4				-
Total:		$	1			$	-			$	7,202
Commercial		$	-			$	-			$	6,306			$	-
Commercial Real Estate			7,916				94				9,566				104
Construction			-				-				-				-
Residential			3,373				31				5,063				32
Consumer			550				4				577				5
Total:		$	11,839			$	129			$	21,512			$	141

		Nine Months Ended September 30
		2015								2014
(in thousands)		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
Commercial		$	-			$	-			$	286			$	-
Commercial Real Estate			8,079				281				8,365				261
Construction			-				-				263				-
Residential			3,430				95				4,798				97
Consumer			551				13				582				19
Total:		$	12,060			$	389			$	14,294			$	377
With an allowance recorded:
Commercial		$	-			$	-			$	5,989			$	-
Commercial Real Estate			-				-				772				-
Construction			-				-				144				-
Residential			-				-				436				-
Consumer			1				-				3				-
Total:		$	1			$	-			$	7,344			$	-
Commercial		$	-			$	-			$	6,275			$	-
Commercial Real Estate			8,079				281				9,137				261
Construction			-				-				407				-
Residential			3,430				95				5,234				97
Consumer			552				13				585				19
Total:		$	12,061			$	389			$	21,638			$	377

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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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