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

9 Months Ended

Sep. 30, 2016

Notes Tables

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

(in thousands)		September 30,				December 31,
		2016				2015
Commercial and Industrial		$	69,723				59,752
Commercial Real Estate			258,920				245,828
Construction			48,048				15,551
Construction to permanent- CRE			5,587				4,880
Residential			103,969				110,837
Consumer/Other			73,903				47,521
Total Loans			560,150				484,369
Allowance for loan losses			(7,328	)			(5,242	)
Loans receivable, net		$	552,822				479,127

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

		ALLOWANCE FOR LOANS LOSSES
(in thousands)
Three months ended September 30, 2016:		Commercial and Industrial				Commercial Real Estate				Construction				Construction to Permanent				Residential				Consumer/ Other				Unallocated				Total
Allowance for loan losses:
Beginning Balance		$	3,400				2,295				169				145				647				531				22				7,209
Charge-offs			(50	)			-				-				-				(186	)			(2	)			-				(238	)
Recoveries			-				-				-				-				2				-				-				2
Provision			352				(491	)			(108	)			(18	)			949				(329	)			-				355
Ending Balance		$	3,702				1,804				61				127				1,412				200				22				7,328
Nine months ended September 30, 2016:
Allowance for loan losses:
Beginning Balance		$	1,027				1,970				486				123				740				677				219				5,242
Charge-offs			(50	)			-				-				-				(190	)			(4	)			-				(244	)
Recoveries			12				-				-				-				3				1				-				16
Provision			2,713				(166	)			(425	)			4				859				(474	)			(197	)			2,314
Ending Balance		$	3,702				1,804				61				127				1,412				200				22				7,328
As of September 30, 2016:
Ending balance: individually evaluated for impairment			3,158				-				-				-				-				3				-				3,161
Ending balance: collectively evaluated for impairment			544				1,804				61				127				1,412				197				22				4,167
Total allowance for loan losses		$	3,702				1,804				61				127				1,412				200				22				7,328
Total loans ending balance		$	69,722				258,920				48,048				5,587				103,970				73,903				-				560,150
Ending balance: individually evaluated for impairment		$	3,158				6,713				-				-				4,676				3				-				14,550
Ending balance: individually evaluated for impairment		$	66,564				252,207				48,048				5,587				99,294				73,900				-				545,600

		ALLOWANCE FOR LOANS LOSSES
(in thousands)
Three months ended September 30, 2015:		Commercial and Industrial				Commercial Real Estate				Construction				Construction to Permanent				Residential				Consumer/ Other				Unallocated				Total
Allowance for loan losses:
Beginning Balance		$	982				2,145				275				150				832				726				98				5,208
Charge-offs			-				-				-				-				(7	)			(4	)			-				(11	)
Recoveries			7				35				-				-				-				1				-				43
Provision			(219	)			204				119				38				(198	)			(25	)			81				-
Ending Balance		$	770				2,384				394				188				627				698				179				5,240
Nine Months Ended September 30, 2015:
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
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 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		$	-				-				3,158				3,158				-				3,158
Residential			-				-				1,590				1,590				-				1,590
Consumer			-				-				3				3				-				3
Total		$	-				-				4,751				4,751				-				4,751

(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
Residential		$	-				-				1,590				1,590				-				1,590
Consumer			-				-				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		$	-				571				-				571				65,990				66,561				-				66,561
Substandard			-				-				-				-				4				4				3,158				3,162
Total Commercial & Industrial			-				571				-				571				65,994				66,565				3,158				69,723
Commercial Real Estate:
Pass			2,522				4,000				-				6,522				246,349				252,871				-				252,871
Special Mention			-				-				-				-				5,176				5,176				-				5,176
Substandard			-				-				-				-				873				873				-				873
Total Commercial Real Estate			2,522				4,000				-				6,522				252,398				258,920				-				258,920
Construction - Pass			-				-				-				-				48,048				48,048				-				48,048
Construction to Permanent - Pass			-				-				-				-				5,587				5,587				-				5,587
Residential Real Estate:
Pass			390				-				1,458				1,848				100,531				102,379				-				102,379
Substandard			-				-				-				-				-				-				1,590				1,590
Total Residential Real Estate			390				-				1,458				1,848				100,531				102,379				1,590				103,969
Consumer/Other:
Pass			112				3				11				126				73,774				73,900				-				73,900
Substandard			-				-				-				-				-				-				3				3
Total Consumer/Other			112				3				11				126				73,774				73,900				3				73,903
Grand Total:
Pass			3,024				4,574				1,469				9,067				540,279				549,346				-				549,346
Special Mention			-				-				-				-				5,176				5,176				-				5,176
Substandard			-				-				-				-				877				877				4,751				5,628
Grand Total		$	3,024				4,574				1,469				9,067				546,332				555,399				4,751				560,150

(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
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
Construction to Permanent - Pass			-				-				-				-				4,880				4,880				-				4,880
Residential Real Estate:
Pass			154				87				1,517				1,758				107,489				109,247				-				109,247
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
Substandard			-				-				-				-				-				-				3				3
Total Consumer/Other			309				2				9				320				47,198				47,518				3				47,521
Grand 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)
2016:		Recorded Investment				Unpaid Principal Balance				Related Allowance
With no related allowance recorded:
Commercial & Industrial		$	-				-				-
Commercial Real Estate			6,713				6,833				-
Construction			-				-				-
Construction to Permanent			-				-				-
Residential			4,676				5,527				-
Consumer/Other			-				-				-
			11,389				12,360				-
With an allowance recorded:
Commercial & Industrial			3,158				3,208				3,158
Commercial Real Estate			-				-				-
Construction			-				-				-
Construction to Permanent			-				-				-
Residential			-				-				-
Consumer/Other			3				3				3
			3,161				3,211				3,161
Grand Total:
Commercial & Industrial			3,158				3,208				3,158
Commercial Real Estate			6,713				6,833				-
Construction			-				-				-
Construction to Permanent			-				-				-
Residential			4,676				5,527				-
Consumer/Other			3				3				3
Grand Total		$	14,550				15,571				3,161

(in thousands)
2015:		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				-
			12,848				14,834				-
With an allowance recorded:
Commercial & Industrial			-				-				-
Commercial Real Estate			-				-				-
Construction			-				-				-
Construction to Permanent			-				-				-
Residential			-				-				-
Consumer/Other			3				3				3
			3				3				3
Grand Total:
Commercial & Industrial			-				96				-
Commercial Real Estate			7,745				8,259				-
Construction			-				287				-
Construction to Permanent			-				-				-
Residential			4,556				5,559				-
Consumer/Other			550				636				3
Grand Total		$	12,851				14,837				3

Impaired Financing Receivables, Additional Information [Table Text Block]

		Three Months Ended September 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				-				-				-
Commercial Real Estate			6,428				77				7,916				94
Residential			4,787				36				3,373				31
Consumer/ Other			272				-				549				4
			11,635				113				11,838				129
With an allowance recorded:
Commercial & Industrial			3,068				-				-				-
Consumer/ Other			2				-				1				-
			3,070				-				1				-
Grand Total:
Commercial & Industrial			3,216				-				-				-
Commercial Real Estate			6,428				77				7,916				94
Residential			4,787				36				3,373				31
Consumer/ Other			274				-				550				4
Grand Total		$	14,705				113				11,839				129

		Nine Months Ended September 30,
		2016								2015
(in thousands)		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
Commercial & Industrial		$	74				-				-				-
Commercial Real Estate			7,281				236				8,079				281
Residential			4,666				98				3,430				95
Consumer/ Other			409				9				551				13
Total:			12,430				343				12,060				389
With an allowance recorded:
Commercial & Industrial			2,278				-				-				-
Consumer/ Other			2				-				1				-
Total:			2,280				-				1				-
Grand Total:
Commercial & Industrial			2,352				-				-				-
Commercial Real Estate			7,281				236				8,079				281
Residential			4,666				98				3,430				95
Consumer/ Other			411				9				552				13
Grand Total		$	14,710				343				12,061				389

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