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

3 Months Ended

Mar. 31, 2017

Notes Tables

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

(In thousands)	March 31, 2017			December 31, 2016
Real estate mortgage loans:
Residential	$	136,714		$	137,842
Land		16,252			13,895
Residential construction		30,207			29,561
Commercial real estate		92,825			96,462
Commercial real estate contruction		8,626			8,921
Commercial business loans		26,097			24,056
Consumer loans:
Home equity and second mortgage loans		44,456			42,908
Automobile loans		34,657			34,279
Loans secured by savings accounts		1,853			1,879
Unsecured loans		3,661			3,912
Other consumer loans		8,446			9,025
Gross loans		403,794			402,740
Less undisbursed portion of loans in process		(16,187	)		(19,037	)
Principal loan balance		387,607			383,703
Deferred loan origination fees, net		895			837
Allowance for loan losses		(3,418	)		(3,386	)
Loans, net	$	385,084		$	381,154

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]

	Residential Real Estate		Land		Construction		Commercial Real Estate		Commercial Business		Home Equity & 2nd Mtg		Other Consumer		Total
	(In thousands)
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	19	$	0	$	0	$	0	$	40	$	13	$	2	$	74
Collectively evaluated for impairment		252		109		223		1,585		204		685		286		3,344
Acquired with deteriorated credit quality		0		0		0		0		0		0		0		0
Ending balance	$	271	$	109	$	223	$	1,585	$	244	$	698	$	288	$	3,418

	Residential Real Estate		Land		Construction		Commercial Real Estate		Commercial Business		Home Equity & 2nd Mtg		Other Consumer		Total
	(In thousands)
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	23	$	0	$	0	$	0	$	43	$	13	$	6	$	85
Collectively evaluated for impairment		357		56		80		1,670		155		670		313		3,301
Acquired with deteriorated credit quality		0		0		0		0		0		0		0		0
Ending balance	$	380	$	56	$	80	$	1,670	$	198	$	683	$	319	$	3,386

	Residential Real Estate			Land		Construction		Commercial Real Estate			Commercial Business			Home Equity  & 2nd Mtg		Other Consumer			Total
	(In thousands)
Allowance for loan losses:
Beginning balance	$	380		$	56	$	80	$	1,670		$	198		$	683	$	319		$	3,386
Provisions for loan losses		(85	)		53		143		(128	)		85			14		129			211
Charge-offs		(40	)		0		0		(1	)		(43	)		0		(204	)		(288	)
Recoveries		16			0		0		44			4			1		44			109
Ending balance	$	271		$	109	$	223	$	1,585		$	244		$	698	$	288		$	3,418

	Residential Real Estate			Land			Construction			Commercial Real Estate			Commercial Business		Home Equity & 2nd Mtg			Other Consumer			Total
	(In thousands)
Allowance for loan losses:
Beginning balance	$	527		$	157		$	47		$	1,541		$	261	$	626		$	256		$	3,415
Provisions for loan losses		(29	)		(64	)		(2	)		(63	)		10		126			97			75
Charge-offs		(40	)		(9	)		0			(14	)		0		(35	)		(125	)		(223	)
Recoveries		12			0			0			4			2		4			30			52
Ending balance	$	470		$	84		$	45		$	1,468		$	273	$	721		$	258		$	3,319

Impaired Financing Receivables [Table Text Block]

	At March 31, 2017						Three Months Ended March 31, 2017				Three Months Ended March 31, 2016
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
	(In thousands)
Loans with no related allowance recorded:
Residential	$	2,148	$	2,351	$	0	$	2,010	$	8	$	1,845	$	6
Land		0		0		0		0		0		12		0
Construction		0		0		0		0		0		0		0
Commercial real estate		1,082		1,379		0		1,150		3		3,259		19
Commercial business		73		80		0		74		0		65		0
Home equity/2nd mortgage		229		235		0		230		0		56		0
Other consumer		11		11		0		6		0		0		0
		3,543		4,056		0		3,470		11		5,237		25
Loans with an allowance recorded:
Residential		88		92		19		150		0		134		0
Land		0		0		0		0		0		0		0
Construction		0		0		0		0		0		0		0
Commercial real estate		0		0		0		0		0		233		0
Commercial business		50		50		40		59		0		100		0
Home equity/2nd mortgage		13		14		13		13		0		47		0
Other consumer		16		16		2		18		0		24		0
		167		172		74		240		0		538		0
Total:
Residential		2,236		2,443		19		2,160		8		1,979		6
Land		0		0		0		0		0		12		0
Construction		0		0		0		0		0		0		0
Commercial real estate		1,082		1,379		0		1,150		3		3,492		19
Commercial business		123		130		40		133		0		165		0
Home equity/2nd mortgage		242		249		13		243		0		103		0
Other consumer		27		27		2		24		0		24		0
	$	3,710	$	4,228	$	74	$	3,710	$	11	$	5,775	$	25

	Recorded Investment		Unpaid Principal Balance		Related Allowance
	(In thousands)
Loans with no related allowance recorded:
Residential	$	1,871	$	2,223	$	0
Land		0		0		0
Construction		0		0		0
Commercial real estate		1,217		1,540		0
Commercial business		75		81		0
Home equity/2nd mortgage		231		237		0
Other consumer		0		0		0
		3,394		4,081		0
Loans with an allowance recorded:
Residential		212		217		23
Land		0		0		0
Construction		0		0		0
Commercial real estate		0		0		0
Commercial business		68		68		43
Home equity/2nd mortgage		13		14		13
Other consumer		20		20		6
		313		319		85
Total:
Residential		2,083		2,440		23
Land		0		0		0
Construction		0		0		0
Commercial real estate		1,217		1,540		0
Commercial business		143		149		43
Home equity/2nd mortgage		244		251		13
Other consumer		20		20		6
	$	3,707	$	4,400	$	85

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

	March 31, 2017						December 31, 2016
	Nonaccrual Loans		Loans 90+ Days Past Due Still Accruing		Total Nonperforming Loans		Nonaccrual Loans		Loans 90+ Days Past Due Still Accruing		Total Nonperforming Loans
	(In thousands)
Residential	$	1,789	$	132	$	1,921	$	1,634	$	55	$	1,689
Land		0		0		0		0		0		0
Construction		0		0		0		0		0		0
Commercial real estate		903		0		903		924		0		924
Commercial business		123		0		123		142		0		142
Home equity/2nd mortgage		225		0		225		226		0		226
Other consumer		27		11		38		20		23		43
Total	$	3,067	$	143	$	3,210	$	2,946	$	78	$	3,024

Past Due Financing Receivables [Table Text Block]

	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Credit Purchased Impaired Loans		Total Loans
	(In thousands)
Residential	$	3,176	$	563	$	843	$	4,582	$	132,258	$	394	$	137,234
Land		75		0		0		75		16,230		0		16,305
Construction		0		0		0		0		22,703		0		22,703
Commercial real estate		420		0		27		447		92,373		202		93,022
Commercial business		70		0		65		135		26,034		0		26,169
Home equity/2nd mortgage		145		60		114		319		45,099		0		45,418
Other consumer		199		24		37		260		48,541		0		48,801
Total	$	4,085	$	647	$	1,086	$	5,818	$	383,238	$	596	$	389,652

	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Purchased Credit Impaired Loans		Total Loans
	(In thousands)
Residential	$	2,444	$	707	$	1,021	$	4,172	$	133,815	$	390	$	138,377
Land		0		52		0		52		13,899		0		13,951
Construction		0		0		0		0		19,489		0		19,489
Commercial real estate		0		0		27		27		96,402		240		96,669
Commercial business		155		0		83		238		23,888		0		24,126
Home equity/2nd mortgage		352		0		13		365		43,466		0		43,831
Other consumer		319		66		43		428		48,893		0		49,321
Total	$	3,270	$	825	$	1,187	$	5,282	$	379,852	$	630	$	385,764

Financing Receivable Credit Quality Indicators [Table Text Block]

	Residential Real Estate		Land		Construction		Commercial Real Estate		Commercial Business		Home Equity & 2nd Mtg		Other Consumer		Total
	(In thousands)
March 31, 2017
Pass	$	133,720	$	16,150	$	22,703	$	84,487	$	25,320	$	45,190	$	48,758	$	376,328
Special Mention		394		85		0		1,843		648		0		16		2,986
Substandard		1,038		70		0		5,709		78		3		0		6,898
Doubtful		2,082		0		0		983		123		225		27		3,440
Loss		0		0		0		0		0		0		0		0
Total	$	137,234	$	16,305	$	22,703	$	93,022	$	26,169	$	45,418	$	48,801	$	389,652
December 31, 2016
Pass	$	135,328	$	13,795	$	19,489	$	87,782	$	23,246	$	43,601	$	49,256	$	372,497
Special Mention		403		86		0		1,892		661		0		45		3,087
Substandard		721		70		0		5,991		77		4		0		6,863
Doubtful		1,925		0		0		1,004		142		226		20		3,317
Loss		0		0		0		0		0		0		0		0
Total	$	138,377	$	13,951	$	19,489	$	96,669	$	24,126	$	43,831	$	49,321	$	385,764

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	March 31, 2017								December 31, 2016
	Accruing		Nonaccrual		Total		Related Allowance for Loan Losses		Accruing		Nonaccrual		Total		Related Allowance for Loan Losses
	(In thousands)
Troubled debt restructurings:
Residential real estate	$	333	$	199	$	532	$	0	$	433	$	229	$	662	$	0
Commercial real estate		178		165		343		0		291		168		459		0
Home equity and 2nd mortgage		17		0		17		0		18		0		18		0
Total	$	528	$	364	$	892	$	0	$	742	$	397	$	1,139	$	0

Schedule of Purchased Credit Impaired Loans [Table Text Block]

(In thousands)	March 31 , 2017		December 31 , 2016
Residential real estate	$	392	$	390
Commercial real estate		204		240
Carrying amount		596		630

Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Table Text Block]

(In thousands)	2017			2016
Balance at beginning of period	$	252		$	319
New loans purchased		-			-
Accretion to income		(14	)		(25	)
Disposals and other adjustments		-			(53	)
Reclassification (to) from nonaccretable difference		6			(96	)
Balance at end of period	$	244		$	145

Financing Receivable [Member]

Notes Tables

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

	Residential Real Estate		Land		Construction		Commercial Real Estate			Commercial Business		Home Equity & 2nd Mtg		Other Consumer		Total
	(In thousands)
Recorded Investment in Loans:
Principal loan balance	$	136,714	$	16,252	$	22,646	$	92,825		$	26,097	$	44,456	$	48,617	$	387,607
Accrued interest receivable		437		37		56		230			69		137		184		1,150
Net deferred loan origination fees and costs		83		16		1		(33	)		3		825		0		895
Recorded investment in loans	$	137,234	$	16,305	$	22,703	$	93,022		$	26,169	$	45,418	$	48,801	$	389,652
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	$	2,236	$	0	$	0	$	1,082		$	123	$	242	$	27	$	3,710
Collectively evaluated for impairment		134,604		16,305		22,703		91,738			26,046		45,176		48,774		385,346
Acquired with deteriorated credit quality		394		0		0		202			0		0		0		596
Ending balance	$	137,234	$	16,305	$	22,703	$	93,022		$	26,169	$	45,418	$	48,801	$	389,652

	Residential Real Estate		Land		Construction		Commercial Real Estate			Commercial Business		Home Equity & 2nd Mtg		Other Consumer		Total
	(In thousands)
Recorded Investment in Loans:
Principal loan balance	$	137,842	$	13,895	$	19,445	$	96,462		$	24,056	$	42,908	$	49,095	$	383,703
Accrued interest receivable		455		42		44		249			67		141		226		1,224
Net deferred loan origination fees and costs		80		14		0		(42	)		3		782		0		837
Recorded investment in loans	$	138,377	$	13,951	$	19,489	$	96,669		$	24,126	$	43,831	$	49,321	$	385,764
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	$	2,083	$	0	$	0	$	1,217		$	143	$	244	$	20	$	3,707
Collectively evaluated for impairment		135,904		13,951		19,489		95,212			23,983		43,587		49,301		381,427
Acquired with deteriorated credit quality		390		0		0		240			0		0		0		630
Ending balance	$	138,377	$	13,951	$	19,489	$	96,669		$	24,126	$	43,831	$	49,321	$	385,764