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

3 Months Ended

Mar. 31, 2016

Receivables [Abstract]

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

(in thousands)		March 31,				December 31,
		2016				2015
Commercial and Industrial		$	61,027			$	59,752
Commercial Real Estate			243,823				245,828
Construction			21,748				15,551
Construction to permanent- CRE			3,638				4,880
Residential			108,111				110,837
Consumer/Other			46,836				47,521
Total Loans			485,183				484,369
Allowance for loan losses			(5,247	)			(5,242	)
Loans receivable, net		$	479,936			$	479,127

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

Three months ended March 31, 2016		Commercial and Industrial				Commercial Real Estate				Construction				Construction to Permanent				Residential				Consumer/ Other				Unallocated				Total
Allowance for loan losses:
Beginning Balance		$	1,027			$	1,970			$	486			$	123			$	740			$	677			$	219			$	5,242
Charge-offs			-				-				-				-				(5	)			-				-				(5	)
Recoveries			9				-				-				-				-				1				-				10
Provision			47				(27	)			164				(2	)			(111)				(69	)			(2	)			-
Ending Balance		$	1,083			$	1,943			$	650			$	121			$	624			$	609			$	217			$	5,247
Ending balance: individually evaluated for impairment		$	737			$	-			$	-			$	-			$	-			$	2			$	-			$	739
Ending balance: collectively evaluated for impairment			346				1,943				650				121				624				607				217				4,508
Total Allowance for Loan Losses		$	1,083			$	1,943			$	650			$	121			$	624			$	609			$	217			$	5,247
March 31, 2016
Total Loans ending balance		$	61,027			$	243,823			$	21,748			$	3,638			$	108,111			$	46,836			$	-			$	485,183
Ending balance: individually evaluated for impairment		$	2,977			$	8,521			$	-			$	-			$	4,535			$	548			$	-			$	16,581
Ending balance: collectively evaluated for impairment		$	58,050			$	235,302			$	21,748			$	3,638			$	103,576			$	46,288			$	-			$	468,602

(in thousands)
Three months ended March 31, 2015		Commercial and Industrial				Commercial Real Estate				Construction				Construction to Permanent				Residential				Consumer/ Other				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
December 31, 2015
Ending balance: individually evaluated for impairment		$	-			$	-			$	-			$	-			$	-			$	3			$	-			$	3
Ending balance: collectively evaluated for impairment			1,027				1,970				486				123				740				674				219				5,239
Total Allowance for Loan Losses		$	1,027			$	1,970			$	486			$	123			$	740			$	677			$	219			$	5,242
Total Loans ending balance		$	59,752			$	245,828			$	15,551			$	4,880			$	110,837			$	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			$	238,083			$	15,551			$	4,880			$	106,281			$	46,971			$	-			$	471,518

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

(in thousands)		Non-Accrual Loans
2016		31-60 Days Past Due				61-90 Days Past Due				Greater Than 90 Days				Total Past Due				Current				Total Non-Accrual Loans
Commercial & Industrial
Pass		$	-			$	-			$	-			$	-			$	-			$	-
Substandard			-				-				2,977				2,977				-				2,977
Total Commercial & Industrial		$	-			$	-			$	2,977			$	2,977			$	-			$	2,977
Commercial Real Estate
Substandard		$	-			$	-			$	840			$	840			$	-			$	840
Total Commercial Real Estate		$	-			$	-			$	840			$	840			$	-			$	840
Residential Real Estate
Substandard		$	-			$	-			$	1,590			$	1,590			$	-			$	1,590
Total Residential Real Estate		$	-			$	-			$	1,590			$	1,590			$	-			$	1,590
Consumer
Substandard		$	-			$	-			$	2			$	2			$	-			$	2
Total Consumer		$	-			$	-			$	2			$	2			$	-			$	2
Total		$	-			$	-			$	5,409			$	5,409			$	-			$	5,409

(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 & Industrial
Pass		$	-			$	-			$	-			$	-			$	-			$	-
Substandard			-				-				-				-				-				-
Total Commercial & Industrial		$	-			$	-			$	-			$	-			$	-			$	-
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/ Other
Substandard		$	-			$	-			$	3			$	3			$	-			$	3
Total Consumer / Other		$	-			$	-			$	3			$	3			$	-			$	3
Total		$	-			$	-			$	1,593			$	1,593			$	-			$	1,593

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

(in thousands)		Performing (Accruing) Loans
2016		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 & Industrial
Pass		$	-			$	-			$	-			$	-			$	58,045			$	58,045			$	-			$	58,045
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				5				5				2,977				2,982
Total Commercial & Industrial		$	-			$	-			$	-			$	-			$	58,050			$	58,050			$	2,977			$	61,027
Commercial Real Estate
Pass		$	5,750			$	-			$	-			$	5,750			$	230,306			$	236,056			$	-			$	236,056
Special Mention			-				624				-				624				4,658				5,282				-				5,282
Substandard			-				-				-				-				1,645				1,645				840				2,485
Total Commercial Real Estate		$	5,750			$	624			$	-			$	6,374			$	236,609			$	242,983			$	840			$	243,823
Construction
Pass		$	-			$	-			$	-			$	-			$	21,748			$	21,748			$	-			$	21,748
Total Construction		$	-			$	-			$	-			$	-			$	21,748			$	21,748			$	-			$	21,748
Construction to Permanent
Pass		$	-			$	-			$	-			$	-			$	3,638			$	3,638			$	-			$	3,638
Total Construction to Permanent		$	-			$	-			$	-			$	-			$	3,638			$	3,638			$	-			$	3,638
Residential Real Estate
Pass		$	-			$	-			$	-			$	-			$	106,521			$	106,521			$	-			$	106,521
Substandard			-				-				-				-				-				-				1,590				1,590
Total Residential Real Estate		$	-			$	-			$	-			$	-			$	106,521			$	106,521			$	1,590			$	108,111
Consumer/ Other
Pass		$	3			$	-			$	-			$	3			$	46,831			$	46,834			$	2			$	46,836
Total Consumer/ Other		$	3			$	-			$	-			$	3			$	46,831			$	46,834			$	2			$	46,836
Total
Pass		$	5,753			$	-			$	-			$	5,753			$	467,089			$	472,842			$	2			$	472,844
Special Mention			-				624				-				624				4,658				5,282				-				5,282
Substandard			-				-				-				-				1,650				1,650				5,409				7,059
Grand Total		$	5,753			$	624			$	-			$	6,377			$	473,397			$	479,774			$	5,409			$	485,183

(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 & Industrial
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 & Industrial		$	3,020			$	605			$	520			$	4,145			$	55,607			$	59,752			$	-			$	59,752
Commercial Real Estate
Pass		$	-			$	-			$	-			$	-			$	237,996			$	237,996			$	-			$	237,996
Special Mention			-				-				-				-				5,322				5,322				-				5,322
Substandard			840				-				-				840				1,670				2,510				-				2,510
Total Commercial Real Estate		$	840			$	-			$	-			$	840			$	244,988			$	245,828			$	-			$	245,828
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			$	107,489			$	109,247			$	-			$	109,247
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				1,590				1,590
Total Residential Real Estate		$	154			$	87			$	1,517			$	1,758			$	107,489			$	109,247			$	1,590			$	110,837
Consumer/ Other
Pass		$	309			$	2			$	9			$	320			$	47,198			$	47,518			$	-			$	47,518
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				3				3
Total Consumer/ Other		$	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

Impaired Financing Receivables [Table Text Block]

(in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance
With no related allowance recorded:
Commercial & Industrial		$	-			$	96			$	-
Commercial Real Estate			8,521				9,027				-
Construction			-				287				-
Residential			4,535				5,538				-
Consumer/ Other			546				632				-
Other			-				-				-
Total:		$	13,602			$	15,580			$	-
With an allowance recorded:
Commercial & Industrial		$	2,977			$	2,977			$	737
Commercial Real Estate			-				-				-
Construction			-				-				-
Residential			-				-				-
Consumer/ Other			2				2				2
Total:		$	2,979			$	2,979			$	739
Commercial & Industrial		$	2,977			$	3,073			$	737
Commercial Real Estate			8,521				9,027				-
Construction			-				287				-
Residential			4,535				5,538				-
Consumer/ Other			548				634				2
Total:		$	16,581			$	18,559			$	739

(in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance
With no related allowance recorded:
Commercial & Industrial		$	-			$	96			$	-
Commercial Real Estate			7,745				8,259				-
Construction			-				287				-
Construction to Permanent			-				-				-
Residential			4,556				5,559				-
Consumer/ Other			547				633				-
Total:		$	12,848			$	14,834			$	-
With an allowance recorded:
Consumer			3				3				3
Total:		$	3			$	3			$	3
Commercial & Industrial		$	-			$	96			$	-
Commercial Real Estate			7,745				8,259				-
Construction			-				287				-
Residential			4,556				5,559				-
Consumer/ Other			550				636				3
Total:		$	12,851			$	14,837			$	3

		Three Months Ended March 31
		2016								2015
(in thousands)		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
Commercial & Industrial		$	-			$	-			$	1			$	-
Commercial Real Estate			7,270				91				8,296				95
Residential			4,542				31				3,525				32
Consumer/ Other			546				5				552				4
Total:		$	12,358			$	127			$	12,374			$	131
With an allowance recorded:
Commercial & Industrial		$	2,977			$	-			$	-			$	-
Commercial Real Estate			-				-				-				-
Residential			-				-				-				-
Consumer/ Other			2				-				2				-
Total:		$	2,979			$	-			$	2			$	-
Commercial & Industrial		$	2,977			$	-			$	1			$	-
Commercial Real Estate			7,270				91				8,296				95
Residential			4,542				31				3,525				32
Consumer/ Other			548				5				554				4
Total:		$	15,337			$	127			$	12,376			$	131

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