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

6 Months Ended

Jun. 30, 2016

Notes Tables

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

(in thousands)		June 30,				December 31,
		2016				2015				Inc (Dec)				Inc/(Dec) %
Commercial and Industrial		$	71,658			$	59,752			$	11,906				19.9	%
Commercial Real Estate			270,003				245,828				24,175				9.8	%
Construction			26,094				15,551				10,543				67.8	%
Construction to permanent- CRE			4,229				4,880				(651	)			(13.3	)
Residential			104,746				110,837				(6,091	)			(5.5	)
Consumer/Other			51,924				47,521				4,403				9.3
Total Loans			528,654				484,369				44,285				9.1
Allowance for loan losses			(5,250	)			(5,242	)			(8	)			0.2
Loans receivable, net		$	523,404			$	479,127			$	44,277				9.2	%

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

(in thousands)
Three months ended June 30, 2016		Commercial and Industrial				Commercial Real Estate				Construction				Construction to Permanent				Residential				Consumer/ Other				Unallocated				Total
Allowance for loan losses:
Beginning Balance		$	1,083			$	1,943			$	650			$	121			$	624			$	609			$	217			$	5,247
Charge-offs			-				-				-				-				-				(1	)			-				(1	)
Recoveries			3				-				-				-				1				-				-				4
Provision			355				352				(481	)			24				22				(77	)			(195	)			-
Ending Balance		$	1,441			$	2,295			$	169			$	145			$	647			$	531			$	22			$	5,250
Six months ended June 30, 2016
Allowance for loan losses:
Beginning Balance		$	1,027			$	1,970			$	486			$	123			$	740			$	677			$	219			$	5,242
Charge-offs			-				-				-				-				(4	)			(2	)			-				(6	)
Recoveries			12				-				-				-				1				1				-				14
Provision			402				325				(317	)			22				(90	)			(145	)			(197	)			-
Ending Balance		$	1,441			$	2,295			$	169			$	145			$	647			$	531			$	22			$	5,250
Ending balance: individually evaluated for impairment			1,018				-				-				-				-				2				-			$	1,020
Ending balance: collectively evaluated for impairment			423				2,295				169				145				647				529				22			$	4,230
Total allowance for loan losses		$	1,441			$	2,295			$	169			$	145			$	647			$	531			$	22			$	5,250
As of June 30, 2016
Total loans ending balance		$	71,658			$	270,003			$	26,094			$	4,229			$	104,746			$	51,924			$	-			$	528,654
Ending balance: individually evaluated for impairment		$	3,272			$	6,526			$	-			$	-			$	4,515			$	546			$	-			$	14,859
Ending balance: collectively evaluated for impairment		$	68,386			$	263,477			$	26,094			$	4,229			$	100,231			$	51,378			$	-			$	513,795

(in thousands)
Three months ended June 30, 2015		Commercial and Industrial				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	)			121				53				(41	)			102				14				80				-
Ending Balance		$	982			$	2,145			$	275			$	150			$	832			$	726			$	98			$	5,208
Six Months Ended June 30, 2015
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	)			726				212				(70	)			4				246				98				250
Ending Balance		$	982			$	2,145			$	275			$	150			$	832			$	726			$	98			$	5,208
As of 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 Loans and Leases Receivables, Impaired, Additional Income, Non-accrual Status [Table Text Block]

(dollars in thousands)
Three months ended June 30, 2016		$	58
Six months ended June 30, 2016		$	196
Three months ended June 30, 2015		$	4
Six months ended June 30, 2015		$	8

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

(in thousands)
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			-				-				3,208				3,208				-				3,208
Total Commercial & Industrial		$	-			$	-			$	3,208			$	3,208			$	-			$	3,208
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		$	-			$	-			$	2			$	2			$	-			$	2
Total Consumer		$	-			$	-			$	2			$	2			$	-			$	2
Total		$	-			$	-			$	4,800			$	4,800			$	-			$	4,800

(in thousands)
2015		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			-				-				-				-				-				-
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		$	39			$	-			$	-			$	39			$	68,406			$	68,445			$	-			$	68,445
Special Mention			-				-				-				-				-			$	-				-				-
Substandard			-				-				-				-				5			$	5				3,208				3,213
Total Commercial & Industrial		$	39			$	-			$	-			$	39			$	68,411			$	68,450			$	3,208			$	71,658
Commercial Real Estate
Pass		$	934			$	-			$	-			$	934			$	262,958			$	263,892			$	-			$	263,892
Special Mention			-				-				-				-				5,226			$	5,226				-				5,226
Substandard			-				-				-				-				885			$	885				-				885
Total Commercial Real Estate		$	934			$	-			$	-			$	934			$	269,069			$	270,003			$	-			$	270,003
Construction
Pass		$	-			$	-			$	-			$	-			$	26,094			$	26,094			$	-			$	26,094
Total Construction		$	-			$	-			$	-			$	-			$	26,094			$	26,094			$	-			$	26,094
Construction to Permanent
Pass		$	-			$	-			$	-			$	-			$	4,229			$	4,229			$	-			$	4,229
Total Construction to Permanent		$	-			$	-			$	-			$	-			$	4,229			$	4,229			$	-			$	4,229
Residential Real Estate
Pass		$	388			$	10			$	1,485			$	1,883			$	101,273			$	103,156			$	-			$	103,156
Substandard			-				-				-				-				-			$	-				1,590				1,590
Total Residential Real Estate		$	388			$	10			$	1,485			$	1,883			$	101,273			$	103,156			$	1,590			$	104,746
Consumer/ Other
Pass		$	402			$	-			$	6			$	408			$	51,514			$	51,922			$	-			$	51,922
Substandard			-				-				-				-				-			$	-				2			$	2
Total Consumer/ Other		$	402			$	-			$	6			$	408			$	51,514			$	51,922			$	2			$	51,924
Total
Pass		$	1,763			$	10			$	1,491			$	3,264			$	514,474			$	517,738			$	-			$	517,738
Special Mention			-				-				-				-				5,226			$	5,226				-				5,226
Substandard			-				-				-				-				890			$	890				4,800				5,690
Grand Total		$	1,763			$	10			$	1,491			$	3,264			$	520,590			$	523,854			$	4,800			$	528,654

(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 & 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				Principal Balance				Related Allowance
With no related allowance recorded:
Commercial & Industrial		$	295			$	327			$	-
Commercial Real Estate			6,526				7,031				-
Construction			-				287				-
Residential			4,515				5,518				-
Consumer/ Other			544				629
Total:		$	11,880			$	13,792			$	-
With an allowance recorded:
Commercial & Industrial		$	2,977			$	2,977			$	1,018
Commercial Real Estate			-				-				-
Construction			-				-				-
Residential			-				-				-
Consumer/ Other			2				2				2
Total:		$	2,979			$	2,979			$	1,020
Commercial & Industrial		$	3,272			$	3,304			$	1,018
Commercial Real Estate			6,526				7,031				-
Construction			-				287				-
Residential			4,515				5,518				-
Consumer/ Other			546				631				2
Total:		$	14,859			$	16,771			$	1,020

(in thousands)		Recorded Investment				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

Impaired Financing Receivables, Additional Information [Table Text Block]

		Three Months Ended June 30,
		2016								2015
(in thousands)		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
Commercial & Industrial		$	116			$	-			$	-			$	-
Commercial Real Estate			7,524				79				8,025				94
Residential			4,525				31				3,392				32
Consumer/ Other			545				5				551				5
Total:		$	12,710			$	115			$	11,968			$	131
With an allowance recorded:
Commercial & Industrial		$	2,977			$	-			$	-			$	-
Commercial Real Estate			-				-				-				-
Residential			-				-				-				-
Consumer/ Other			2				-				-				-
Total:		$	2,979			$	-			$	-			$	-
Commercial & Industrial		$	3,093			$	-			$	-			$	-
Commercial Real Estate			7,524				79				8,025				94
Residential			4,525				31				3,392				32
Consumer/ Other			547				5				551				5
Total:		$	15,688			$	115			$	11,968			$	131

		Six Months Ended June 30,
		2016								2015
(in thousands)		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
Commercial & Industrial		$	148			$	-			$	1			$	-
Commercial Real Estate			7,597				159				8,160				188
Residential			4,535				62				3,459				63
Consumer/ Other			546				9				552				9
Total:		$	12,826			$	230			$	12,172			$	260
With an allowance recorded:
Commercial & Industrial		$	1,914			$	-			$	-			$	-
Commercial Real Estate			-				-				-				-
Residential			-				-				-				-
Consumer/ Other			2				-				1				-
Total:		$	1,916			$	-			$	1			$	-
Commercial & Industrial		$	2,062			$	-			$	1			$	-
Commercial Real Estate			7,597				159				8,160				188
Residential			4,535				62				3,459				63
Consumer/ Other			548				9				553				9
Total:		$	14,742			$	230			$	12,173			$	260

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