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

12 Months Ended

Dec. 31, 2015

Receivables [Abstract]

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

(in thousands)		December 31,				December 31,
		2015				2014
Commercial and Industrial loans		$	59,752			$	53,973
Commercial Real Estate			273,850				254,505
Construction			15,551				3,096
Construction to permanent			4,880				10,627
Residential Real Estate			82,815				108,543
Consumer			47,521				46,164
Total Loans			484,369				476,908
Allowance for loan losses			(5,242	)			(4,924	)
Loans receivable, net		$	479,127			$	471,984

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

(in thousands)
Twelve months ended December 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			-				-				-				-				(16	)			(16	)			-				(32	)
Recoveries			49				35				-				5				-				11				-				100
Provision			(940	)			710				423				(97	)			(269	)			204				219				250
Ending Balance		$	1,027			$	2,164			$	486			$	123			$	546			$	677			$	219			$	5,242
Ending balance: individually evaluated for impairment		$	-			$	-			$	-			$	-			$	-			$	3			$	-			$	3
Ending balance: collectively evaluated for impairment			1,027				2,164				486				123				546				674				219				5,239
Total Allowance for Loan Losses		$	1,027			$	2,164			$	486			$	123			$	546			$	677			$	219			$	5,242
December 31, 2015
Total Loans ending balance		$	59,752			$	273,850			$	15,551			$	4,880			$	82,815			$	47,521			$	-			$	484,369
Ending balance: individually evaluated for impairment			-				7,745				-				-				4,556				550				-				12,851
Ending balance: collectively evaluated for impairment		$	59,752			$	266,105			$	15,551			$	4,880			$	78,259			$	46,971			$	-			$	471,518

(in thousands)
Twelve months ended December 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			(49	)			(297	)			(260	)			-				(195	)			(66	)			-				(867	)
Recoveries			6				60				10				-				30				4				-				110
Provision			(324	)			71				53				190				201				6				(197	)			-
Ending Balance		$	1,918			$	1,419			$	63			$	215			$	831			$	478			$	-			$	4,924
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
December 31, 2014
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

(in thousands)
2013		Commercial				Commercial Real Estate				Construction				Construction to Permanent				Residential				Consumer				Unallocated				Total
Allowance for loan losses:
Beginning Balance		$	942			$	3,509			$	311			$	19			$	897			$	217			$	121			$	6,016
Charge-offs			(63	)			(403	)			(205	)			-				(919	)			(78	)			-				(1,668	)
Recoveries			4				335				20				-				1				3				-				362
Provision			1,402				(1,856	)			134				6				816				392				76				970
Ending Balance		$	2,285			$	1,585			$	260			$	25			$	795			$	534			$	197			$	5,681

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
Pass		$	-			$	-			$	-			$	-			$	-			$	-
Substandard			-				-				-				-				-				-
Total Commercial		$	-			$	-			$	-			$	-			$	-			$	-
Commercial Real Estate
Substandard		$	-			$	-			$	-			$	-			$	-			$	-
Total Commercial Real Estate		$	-			$	-			$	-			$	-			$	-			$	-
Residential Real Estate
Substandard		$	-			$	-			$	1,590			$	1,590			$	-			$	1,590
Total Residential Real Estate		$	-			$	-			$	1,590			$	1,590			$	-			$	1,590
Consumer
Substandard		$	-			$	-			$	3			$	3			$	-			$	3
Total Consumer		$	-			$	-			$	3			$	3			$	-			$	3
Total		$	-			$	-			$	1,593			$	1,593			$	-			$	1,593

(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		$	43			$	605			$	520			$	1,168			$	55,600			$	56,768			$	-			$	56,768
Special Mention			-				-				-				-				-				-				-				-
Substandard			2,977				-				-				2,977				7				2,984				-				2,984
Total Commercial		$	3,020			$	605			$	520			$	4,145			$	55,607			$	59,752			$	-			$	59,752
Commercial Real Estate
Pass		$	-			$	-			$	-			$	-			$	266,018			$	266,018			$	-			$	266,018
Special Mention			-				-				-				-				5,322				5,322				-				5,322
Substandard			840				-				-				840				1,670				2,510				-				2,510
Total Commercial Real Estate		$	840			$	-			$	-			$	840			$	273,010			$	273,850			$	-			$	273,850
Construction
Pass		$	-			$	-			$	-			$	-			$	15,551			$	15,551			$	-			$	15,551
Total Construction		$	-			$	-			$	-			$	-			$	15,551			$	15,551			$	-			$	15,551
Construction to Permanent
Pass		$	-			$	-			$	-			$	-			$	4,880			$	4,880			$	-			$	4,880
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Total Construction to Permanent		$	-			$	-			$	-			$	-			$	4,880			$	4,880			$	-			$	4,880
Residential Real Estate
Pass		$	154			$	87			$	1,517			$	1,758			$	79,467			$	81,225			$	-			$	81,225
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				1,590				1,590
Total Residential Real Estate		$	154			$	87			$	1,517			$	1,758			$	79,467			$	81,225			$	1,590			$	82,815
Consumer
Pass		$	309			$	2			$	9			$	320			$	47,198			$	47,518			$	-			$	47,518
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				3				3
Total Consumer		$	309			$	2			$	9			$	320			$	47,198			$	47,518			$	3			$	47,521
Total
Pass		$	506			$	694			$	2,046			$	3,246			$	468,714			$	471,960				-			$	471,960
Special Mention			-				-				-				-				5,322				5,322				-				5,322
Substandard			3,817				-				-				3,817				1,677				5,494				1,593				7,087
Grand Total		$	4,323			$	694			$	2,046			$	7,063			$	475,713			$	482,776			$	1,593			$	484,369

(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

Modified Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		Twelve months ended December 31, 2014
						Pre-Modification								Post-Modification
		Number of				Outstanding Recorded				Number of				Outstanding Recorded
(dollars in thousands)		Relationships				Investment				Relationships				Investment
Commercial Real Estate			2			$	2,439				2			$	2,430
Total Troubled Debt Restructurings			2			$	2,439				2			$	2,430

		Twelve months ended December 31, 2013
						Pre-Modification								Post-Modification
		Number of				Outstanding Recorded				Number of				Outstanding Recorded
(dollars in thousands)		Relationships				Investment				Relationships				Investment
Construction to permanent			2				4,730				1				991
Total Troubled Debt Restructurings			2			$	4,730				1			$	991

Impaired Financing Receivables [Table Text Block]

(in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance
With no related allowance recorded:
Commercial		$	-			$	96			$	-
Commercial Real Estate			7,745				8,259				-
Construction			-				287				-
Construction to Permanent			-				-				-
Residential			4,556				5,559				-
Consumer			547				633				-
Total:		$	12,848			$	14,834			$	-
With an allowance recorded:
Consumer			3				3				3
Total:		$	3			$	3			$	3
Commercial		$	-			$	96			$	-
Commercial Real Estate			7,745				8,259				-
Construction			-				287				-
Residential			4,556				5,559				-
Consumer			550				636				3
Total:		$	12,851			$	14,837			$	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 to Permanent			-				-				-
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
Total:		$	-			$	7			$	7
Commercial		$	2			$	104			$	-
Commercial Real Estate			7,398				8,249				-
Construction			-				732				-
Construction to Permanent			-				-				-
Residential			3,764				3,793				-
Consumer			553				640				7
Total:		$	11,717			$	13,518			$	7

		Tweleve Months Ended December 31
		2015								2014								2013
(in thousands)		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
Commercial		$	-			$	-			$	215			$	-			$	11			$	-
Commercial Real Estate			8,001				373				8,262				342				10,517				295
Construction			-				-				-				-				-				-
Construction to Permanent			-				-				-				-				1,226				-
Residential			3,512				126				4,734				129				8,603				143
Consumer			550				18				575				23				595				14
Total:		$	12,063			$	517			$	13,786			$	494			$	20,952			$	452
With an allowance recorded:
Commercial		$	-			$	-			$	-			$	-			$	3,646			$	-
Commercial Real Estate			-				-				-				-				3,501				-
Construction			-				-				-				-				1,228				-
Construction to Permanent			-				-				-				-				-				-
Residential			-				-				-				-				1,469				-
Consumer			3				-				7				-				2				-
Total:		$	3			$	-			$	7			$	-			$	9,846			$	-
Commercial		$	-			$	-			$	215			$	-			$	3,657			$	-
Commercial Real Estate			8,001				373				8,262				342				14,018				295
Construction			-				-				-				-				1,228				-
Construction to Permanent			-				-								-				1,226				-
Residential			3,512				126				4,734				129				10,072				143
Consumer			553				18				582				23				597				14
Total:		$	12,066			$	517			$	13,793			$	494			$	30,798			$	452

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