Note 7 - Allowance for Loan and Lease Losses

3 Months Ended

Mar. 31, 2015

Disclosure Text Block Supplement [Abstract]

Allowance for Credit Losses [Text Block]

7. Allowance for Loan and Lease Losses. The following table presents a roll forward summary of activity in the allowance for loan and lease losses (“ALLL”), by loan category, for the three months ended March 31, 2015 and 2014:

	March 31, 2015
	Beginning		Charge-								Ending		Total
	Balance		Offs			Recoveries		Provisions			Balance		Loans
Collectively evaluated:	(In thousands)
Residential real estate	$	982	$	(84	)	$	-	$	158		$	1,056	$	63,865
Residential construction		17		-			-		4			21		1,631
Residential lots and raw land		11		-			-		-			11		808
Commercial real estate		3,516		-			9		(56	)		3,469		248,603
Commercial construction		375		-			-		(1	)		374		28,283
Commercial lots and raw land		377		-			-		(25	)		352		23,763
Commercial and industrial		400		-			2		(16	)		386		29,530
Lease receivables		172		-			-		12			184		12,637
Consumer real estate		250		-			6		(36	)		220		17,635
Consumer construction		19		-			-		1			20		1,583
Consumer lots and raw land		152		-			-		9			161		9,817
Home equity lines of credit		405		-			1		(27	)		379		27,142
Consumer other		52		(3	)		6		12			67		5,381
Total		6,728		(87	)		24		35			6,700		470,678
Individually evaluated:
Residential real estate		185		(185	)		-		-			-		1,109
Commercial real estate		167		-			2		(34	)		135		13,318
Commercial construction		-		-			-		-			-		103
Commercial lots and raw land		251		(3	)		-		(218	)		30		2,857
Commercial and industrial		-		-			-		224			224		289
Consumer real estate		19		-			-		-			19		470
Consumer lots and raw land		165		(69	)		-		(1	)		95		617
Home equity lines of credit		5		-			1		(6	)		-		-
Consumer other		-		-			-		-			-		-
Total		792		(257	)		3		(35	)		503		18,763
Grand Total	$	7,520	$	(344	)	$	27	$	-		$	7,203	$	489,441

	March 31, 2014
	Beginning		Charge-								Ending		Total
	Balance		Offs			Recoveries		Provisions			Balance		Loans
	(In thousands)
Collectively evaluated:
Residential real estate	$	903	$	-		$	-	$	(25	)	$	878	$	64,103
Residential construction		17		-			-		(3	)		14		989
Residential lots and raw land		13		-			-		-			13		895
Commercial real estate		3,647		(1	)		6		(115	)		3,537		218,653
Commercial construction		343		-			1		62			406		26,580
Commercial lots and raw land		415		-			-		(51	)		364		20,890
Commercial and Industrial		430		(2	)		2		(3	)		427		28,333
Lease receivables		113		(1	)		-		25			137		10,123
Consumer real estate		316		-			9		(18	)		307		20,529
Consumer construction		23		-			-		(6	)		17		1,173
Consumer lots and raw land		203		-			-		54			257		12,809
Home equity lines of credit		463		-			6		7			476		27,780
Consumer other		60		(3	)		4		(5	)		56		4,163
Total		6,946		(7	)		28		(78	)		6,889		437,020
Individually evaluated:
Residential real estate		-		-			-		-			-		1,139
Commercial real estate		510		(9	)		4		304			809		17,207
Commercial construction		-		-			-		-			-		2,848
Commercial lots and raw land		-		-			-		-			-		3,611
Commercial and Industrial		23		(49	)		-		26			-		49
Consumer real estate		25		(24	)		-		1			2		289
Consumer lots and raw land		105		-			-		(1	)		104		671
Home equity lines of credit		-		-			2		(2	)		-		57
Consumer other		-		-			-		-			-		95
Total		663		(82	)		6		328			915		25,966
Grand Total	$	7,609	$	(89	)	$	34	$	250		$	7,804	$	462,986