Note 4 - Loans (Tables)

3 Months Ended

Mar. 31, 2019

Notes Tables

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

	March 31,			December 31,
(in thousands)	2019			2018
Residential real estate	$	161,938		$	164,833
Commercial real estate		266,617			262,778
Construction, land acquisition and development		22,388			20,813
Commercial and industrial		156,521			150,962
Consumer		168,119			176,784
State and political subdivisions		59,784			59,037
Total loans, gross		835,367			835,207
Unearned income		(68	)		(70	)
Net deferred loan costs		3,565			3,963
Allowance for loan and lease losses		(9,253	)		(9,519	)
Loans, net	$	829,611		$	829,581

Financing Receivable, Allowance for Credit Loss [Table Text Block]

							Construction,
							Land									State and
	Residential			Commercial			Acquisition and			Commercial						Political
(in thousands)	Real Estate			Real Estate			Development			and Industrial			Consumer			Subdivisions		Unallocated		Total
Three months ended March 31, 2019:
Allowance for loan losses:
Beginning balance, January 1, 2019	$	1,175		$	3,107		$	188		$	2,552		$	2,051		$	417	$	29	$	9,519
Charge-offs		-			-			-			(139	)		(315	)		-		-		(454	)
Recoveries		4			-			81			84			173			-		-		342
Provisions (credits)		(24	)		(56	)		(163	)		2			54			6		27		(154	)
Ending balance, March 31, 2019	$	1,155		$	3,051		$	106		$	2,499		$	1,963		$	423	$	56	$	9,253
Three months ended March 31, 2018:
Allowance for loan losses:
Beginning balance, January 1, 2018	$	1,236		$	3,499		$	209		$	2,340		$	1,395		$	355	$	-	$	9,034
Charge-offs		(63	)		-			-			(77	)		(260	)		-		-		(400	)
Recoveries		6			1			30			72			99			-		-		208
Provisions (credits)		70			(158	)		17			170			588			33		-		720
Ending balance, March 31, 2018	$	1,249		$	3,342		$	256		$	2,505		$	1,822		$	388	$	-	$	9,562

					Construction,
					Land						State and
	Residential		Commercial		Acquisition and		Commercial				Political
(in thousands)	Real Estate		Real Estate		Development		and Industrial		Consumer		Subdivisions		Unallocated		Total
March 31, 2019
Allowance for loan losses:
Individually evaluated for impairment	$	13	$	40	$	-	$	851	$	2	$	-	$	-	$	906
Collectively evaluated for impairment		1,142		3,011		106		1,648		1,961		423		56		8,347
Total	$	1,155	$	3,051	$	106	$	2,499	$	1,963	$	423	$	56	$	9,253
Loans receivable:
Individually evaluated for impairment	$	1,834	$	9,631	$	81	$	1,546	$	380	$	-	$	-	$	13,472
Collectively evaluated for impairment		160,104		256,986		22,307		154,975		167,739		59,784		-		821,895
Total	$	161,938	$	266,617	$	22,388	$	156,521	$	168,119	$	59,784	$	-	$	835,367
December 31, 2018
Allowance for loan losses:
Individually evaluated for impairment	$	14	$	41	$	-	$	600	$	2	$	-	$	-	$	657
Collectively evaluated for impairment		1,161		3,066		188		1,952		2,049		417		29		8,862
Total	$	1,175	$	3,107	$	188	$	2,552	$	2,051	$	417	$	29	$	9,519
Loans receivable:
Individually evaluated for impairment	$	1,847	$	9,408	$	82	$	697	$	383	$	-	$	-	$	12,417
Collectively evaluated for impairment		162,986		253,370		20,731		150,265		176,401		59,037		-		822,790
Total	$	164,833	$	262,778	$	20,813	$	150,962	$	176,784	$	59,037	$	-	$	835,207

Financing Receivable Credit Quality Indicators [Table Text Block]

	Credit Quality Indicators
	March 31, 2019
	Commercial Loans												Other Loans
			Special								Subtotal		Accruing		Non-accrual		Subtotal		Total
(in thousands)	Pass		Mention		Substandard		Doubtful		Loss		Commercial		Loans		Loans		Other		Loans
Residential real estate	$	31,536	$	252	$	235	$	-	$	-	$	32,023	$	129,194	$	721	$	129,915	$	161,938
Commercial real estate		254,254		1,661		10,702		-		-		266,617		-		-		-		266,617
Construction, land acquisition and development		20,343		-		-		-		-		20,343		2,027		18		2,045		22,388
Commercial and industrial		147,059		463		3,028		-		-		150,550		5,971		-		5,971		156,521
Consumer		2,389		-		-		-		-		2,389		165,290		440		165,730		168,119
State and political subdivisions		57,993		1,760		-		-		-		59,753		31		-		31		59,784
Total	$	513,574	$	4,136	$	13,965	$	-	$	-	$	531,675	$	302,513	$	1,179	$	303,692	$	835,367

	Credit Quality Indicators
	December 31, 2018
	Commercial Loans												Other Loans
			Special								Subtotal		Accruing		Non-accrual		Subtotal		Total
(in thousands)	Pass		Mention		Substandard		Doubtful		Loss		Commercial		Loans		Loans		Other		Loans
Residential real estate	$	33,573	$	291	$	154	$	-	$	-	$	34,018	$	130,132	$	683	$	130,815	$	164,833
Commercial real estate		250,674		1,858		10,246		-		-		262,778		-		-		-		262,778
Construction, land acquisition and development		17,704		-		757		-		-		18,461		2,352		-		2,352		20,813
Commercial and industrial		137,888		4,193		2,448		-		-		144,529		6,421		12		6,433		150,962
Consumer		2,024		-		-		-		-		2,024		174,373		387		174,760		176,784
State and political subdivisions		57,345		1,665		27		-		-		59,037		-		-		-		59,037
Total	$	499,208	$	8,007	$	13,632	$	-	$	-	$	520,847	$	313,278	$	1,082	$	314,360	$	835,207

Financing Receivable, Past Due [Table Text Block]

	March 31, 2019
	Delinquency Status
	0-29 Days		30-59 Days		60-89 Days		>/= 90 Days
(in thousands)	Past Due		Past Due		Past Due		Past Due		Total
Performing (accruing) loans:
Residential real estate	$	160,753	$	219	$	156	$	-	$	161,128
Commercial real estate		262,514		774		-		-		263,288
Construction, land acquisition and development		22,219		151		-		-		22,370
Commercial and industrial		153,731		1,177		35		-		154,943
Consumer		165,683		1,804		192		-		167,679
State and political subdivisions		59,784		-		-		-		59,784
Total performing (accruing) loans		824,684		4,125		383		-		829,192
Non-accrual loans:
Residential real estate		569		-		109		132		810
Commercial real estate		1,160		434		-		1,735		3,329
Construction, land acquisition and development		-		-		18		-		18
Commercial and industrial		1,296		-		278		4		1,578
Consumer		163		52		13		212		440
State and political subdivisions		-		-		-		-		-
Total non-accrual loans		3,188		486		418		2,083		6,175
Total loans receivable	$	827,872	$	4,611	$	801	$	2,083	$	835,367

	December 31, 2018
	Delinquency Status
	0-29 Days		30-59 Days		60-89 Days		>/= 90 Days
(in thousands)	Past Due		Past Due		Past Due		Past Due		Total
Performing (accruing) loans:
Residential real estate	$	163,690	$	319	$	136	$	-	$	164,145
Commercial real estate		259,904		-		-		-		259,904
Construction, land acquisition and development		20,813		-		-		-		20,813
Commercial and industrial		150,108		87		20		-		150,215
Consumer		173,890		2,221		286		-		176,397
State and political subdivisions		59,037		-		-		-		59,037
Total performing (accruing) loans		827,442		2,627		442		-		830,511
Non-accrual loans:
Residential real estate		443		-		136		109		688
Commercial real estate		1,061		-		-		1,813		2,874
Construction, land acquisition and development		-		-		-		-		-
Commercial and industrial		677		50		-		20		747
Consumer		91		61		74		161		387
State and political subdivisions		-		-		-		-		-
Total non-accrual loans		2,272		111		210		2,103		4,696
Total loans receivable	$	829,714	$	2,738	$	652	$	2,103	$	835,207

Impaired Financing Receivables [Table Text Block]

	March 31, 2019
			Unpaid
	Recorded		Principal		Related
(in thousands)	Investment		Balance		Allowance
With no allowance recorded:
Residential real estate	$	342	$	407	$	-
Commercial real estate		7,401		9,154		-
Construction, land acquisition and development		81		81		-
Commercial and industrial		228		228		-
Consumer		25		27		-
State and political subdivisions		-		-		-
Total impaired loans with no related allowance recorded		8,077		9,897		-
With a related allowance recorded:
Residential real estate		1,492		1,492		13
Commercial real estate		2,230		2,230		40
Construction, land acquisition and development		-		-		-
Commercial and industrial		1,318		1,318		851
Consumer		355		355		2
State and political subdivisions		-		-		-
Total impaired loans with a related allowance recorded		5,395		5,395		906
Total impaired loans:
Residential real estate		1,834		1,899		13
Commercial real estate		9,631		11,384		40
Construction, land acquisition and development		81		81		-
Commercial and industrial		1,546		1,546		851
Consumer		380		382		2
State and political subdivisions		-		-		-
Total impaired loans	$	13,472	$	15,292	$	906

	December 31, 2018
			Unpaid
	Recorded		Principal		Related
(in thousands)	Investment		Balance		Allowance
With no allowance recorded:
Residential real estate	$	313	$	375	$	-
Commercial real estate		7,149		8,795		-
Construction, land acquisition and development		82		82		-
Commercial and industrial		-		-		-
Consumer		26		28		-
State and political subdivisions		-		-		-
Total impaired loans with no related allowance recorded		7,570		9,280		-
With a related allowance recorded:
Residential real estate		1,534		1,534		14
Commercial real estate		2,259		2,259		41
Construction, land acquisition and development		-		-		-
Commercial and industrial		697		697		600
Consumer		357		357		2
State and political subdivisions		-		-		-
Total impaired loans with a related allowance recorded		4,847		4,847		657
Total impaired loans:
Residential real estate		1,847		1,909		14
Commercial real estate		9,408		11,054		41
Construction, land acquisition and development		82		82		-
Commercial and industrial		697		697		600
Consumer		383		385		2
State and political subdivisions		-		-		-
Total impaired loans	$	12,417	$	14,127	$	657

Schedule of Average Balance and Interest Income on Impaired Loans [Table Text Block]

	Three months ended March 31,
	2019				2018
	Average		Interest		Average		Interest
(in thousands)	Balance		Income (1)		Balance		Income (1)
Residential real estate	$	1,839	$	21	$	1,868	$	21
Commercial real estate		9,630		77		7,839		77
Construction, land acquisition and development		82		1		84		1
Commercial and industrial		1,047		-		795		-
Consumer		380		5		393		4
State and political subdivisions		-		-		-		-
Total impaired loans	$	12,978	$	104	$	10,979	$	103