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Note 5 - Loans and Leases (Tables)
12 Months Ended
Dec. 31, 2019
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
   
2019
   
2018
 
                 
Residential 1-4 family real estate
  $
122,905
    $
119,841
 
Commercial and multi-family real estate
   
367,614
     
354,446
 
Commercial
   
77,658
     
80,630
 
Consumer
   
8,247
     
6,697
 
Total loans and leases
  $
576,424
    $
561,614
 
Financing Receivable, Allowance for Credit Loss [Table Text Block]
   
(in thousands)
 
   
Residential 1 – 4 family real estate
   
Commercial and multi- family real estate
   
Commercial
   
Consumer
   
Total
 
Balance at December 31, 2018
  $
576
    $
2,355
    $
534
    $
62
    $
3,527
 
Provision for loan and lease losses
   
22
     
52
     
465
     
11
     
550
 
Losses charged off
   
(46
)    
(23
)    
(101
)    
(10
)    
(180
)
Recoveries
   
40
     
152
     
41
     
1
     
234
 
Balance at December 31, 2019
  $
592
    $
2,536
    $
939
    $
64
    $
4,131
 
   
Residential 1 – 4 family real estate
   
Commercial and multi-family real estate
   
Commercial
   
Consumer
   
Total
 
Balance at December 31, 2017
  $
545
    $
1,746
    $
501
    $
43
    $
2,835
 
Provision (credit) for loan and lease losses
   
8
     
417
     
(3
)    
28
     
450
 
Losses charged off
   
(52
)    
(114
)    
(21
)    
(10
)    
(197
)
Recoveries
   
75
     
306
     
57
     
1
     
439
 
Balance at December 31, 2018
  $
576
    $
2,355
    $
534
    $
62
    $
3,527
 
   
Residential 1 – 4 family real estate
   
Commercial and multi-family real estate
   
Commercial
   
Consumer
   
Total
 
Balance at December 31, 2016
  $
542
    $
1,876
    $
896
    $
31
    $
3,345
 
Provision (credit) for loan and lease losses
   
34
     
9
     
(424
)    
31
     
(350
)
Losses charged off
   
(45
)    
(553
)    
(63
)    
(28
)    
(689
)
Recoveries
   
14
     
414
     
92
     
9
     
529
 
Balance at December 31, 2017
  $
545
    $
1,746
    $
501
    $
43
    $
2,835
 
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]
   
(in thousands)
 
   
Residential 1 – 4 family real estate
   
Commercial and multi-family real estate
   
Commercial
   
Consumer
   
Total
 
2019
     
 
     
 
     
 
     
 
     
 
Allowance for loan and lease losses:
                                       
Attributable to loans and leases individually evaluated for impairment
  $
-
    $
93
    $
342
    $
-
    $
435
 
Collectively evaluated for impairment
   
592
     
2,443
     
597
     
64
     
3,696
 
Total allowance for loan and lease losses
  $
592
    $
2,536
    $
939
    $
64
    $
4,131
 
                                         
Loans and leases:
                                       
Individually evaluated for impairment
  $
-
    $
1,499
    $
1,279
    $
-
    $
2,778
 
Acquired with deteriorated credit quality
   
61
     
127
     
-
     
-
     
188
 
Collectively evaluated for impairment
   
122,844
     
365,988
     
76,379
     
8,247
     
573,458
 
Total ending loans and leases balance
  $
122,905
    $
367,614
    $
77,658
    $
8,247
    $
576,424
 
   
Residential 1 – 4 family real estate
   
Commercial and multi-family real estate
   
Commercial
   
Consumer
   
Total
 
2018
     
 
     
 
     
 
     
 
     
 
Allowance for loan and lease losses:
                                       
    $
-
    $
65
    $
63
    $
-
    $
128
 
Collectively evaluated for impairment
   
576
     
2,290
     
471
     
62
     
3,399
 
Total allowance for loan and lease losses
  $
576
    $
2,355
    $
534
    $
62
    $
3,527
 
                                         
Loans and leases:
                                       
Individually evaluated for impairment
  $
-
    $
970
    $
361
    $
-
    $
1,331
 
Acquired with deteriorated credit quality
   
70
     
226
     
-
     
-
     
296
 
Collectively evaluated for impairment
   
119,771
     
353,250
     
80,269
     
6,697
     
559,987
 
Total ending loans and leases balance
  $
119,841
    $
354,446
    $
80,630
    $
6,697
    $
561,614
 
Impaired Financing Receivables [Table Text Block]
   
(in thousands)
 
   
2019
   
2018
   
2017
 
                         
Balance at beginning of year
  $
128
    $
-
    $
1,018
 
Provision (credit) for loan and lease losses
   
307
     
128
     
(865
)
Loans charged off
   
-
     
-
     
(414
)
Recoveries
   
-
     
-
     
261
 
Balance at end of year
  $
435
    $
128
    $
-
 
Schedule of Temporary Impairment Losses, Investments [Table Text Block]
   
(in thousands)
 
   
2019
   
2018
 
   
Recorded investment
   
Allowance for loan and lease losses allocated
   
Recorded investment
   
Allowance for loan and lease losses allocated
 
With no related allowance recorded:
                               
Residential 1-4 family real estate
  $
-
    $
-
    $
-
    $
-
 
Commercial and multi-family real estate
   
822
     
-
     
719
     
-
 
Agricultural real estate
   
4
     
-
     
-
     
-
 
Commercial
   
22
     
-
     
24
     
-
 
Agriculture
   
-
     
-
     
216
     
-
 
Consumer
   
-
     
-
     
-
     
-
 
With an allowance recorded:
                               
Residential 1-4 family real estate
   
-
     
-
     
-
     
-
 
Commercial and multi-family real estate
   
673
     
93
     
251
     
65
 
Agricultural real estate
   
-
     
-
     
-
     
-
 
Commercial
   
1,257
     
342
     
121
     
63
 
Agriculture
   
-
     
-
     
-
     
-
 
Consumer
   
-
     
-
     
-
     
-
 
Total
  $
2,778
    $
435
    $
1,331
    $
128
 
Financing Receivable, Nonaccrual [Table Text Block]
   
(in thousands)
 
   
2019
   
2018
 
   
Nonaccrual
   
Loans and leases past due over 90 days still accruing
   
Accruing Troubled Debt Restructurings
   
Nonaccrual
   
Loans and leases past due over 90 days still accruing
   
Accruing Troubled Debt Restructurings
 
Residential 1-4 family real estate
  $
414
    $
138
    $
223
    $
354
    $
161
    $
372
 
Commercial and multi family real estate
   
545
     
-
     
623
     
754
     
-
     
228
 
Agricultural real estate
   
4
     
-
     
-
     
216
     
-
     
-
 
Commercial
   
-
     
-
     
772
     
121
     
-
     
24
 
Agriculture
   
-
     
-
     
-
     
-
     
-
     
-
 
Consumer
                                               
Total
  $
963
    $
138
    $
1,618
    $
1,445
    $
161
    $
624
 
Financing Receivable, Past Due [Table Text Block]
   
(in thousands)
 
   
30 – 59 days past due
   
60 – 89 days past due
   
Greater than 90 days past due
   
Total past due
   
Loans and leases not past due
   
Total
 
2019
     
 
     
 
     
 
     
 
     
 
     
 
Residential 1-4 family real estate
  $
2,709
    $
99
    $
322
    $
3,130
    $
119,775
    $
122,905
 
Commercial and multi family real estate
   
177
     
302
     
15
    $
494
     
332,161
     
332,655
 
Agricultural real estate
   
-
     
-
     
-
     
-
     
34,959
     
34,959
 
Commercial
   
-
     
57
     
5
    $
62
     
67,826
     
67,888
 
Agriculture
   
-
     
-
     
-
     
-
     
9,770
     
9,770
 
Consumer
   
2
     
-
     
-
     
2
     
8,245
     
8,247
 
Total
  $
2,888
    $
458
    $
342
    $
3,688
    $
572,736
    $
576,424
 
   
30 – 59 days past due
   
60 – 89 days past due
   
Greater than 90 days past due
   
Total past due
   
Loans and leases not past due
   
Total
 
2018
     
 
     
 
     
 
     
 
     
 
     
 
Residential 1-4 family real estate
  $
2,471
    $
371
    $
278
    $
3,120
    $
116,721
    $
119,841
 
Commercial and multi family real estate
   
580
     
-
     
155
     
735
     
322,032
     
322,767
 
Agricultural real estate
   
7
     
-
     
241
     
248
     
31,431
     
31,679
 
Commercial
   
482
     
-
     
-
     
482
     
68,503
     
68,985
 
Agriculture
   
-
     
-
     
-
     
-
     
11,645
     
11,645
 
Consumer
   
4
     
-
     
-
     
4
     
6,693
     
6,697
 
Total
  $
3,544
    $
371
    $
674
    $
4,589
    $
557,025
    $
561,614
 
Financing Receivable Credit Quality Indicators [Table Text Block]
   
(in thousands)
         
   
Pass
   
Special Mention
   
Substandard
   
Doubtful
   
Not rated
   
Total
 
                                                 
2019
     
 
     
 
     
 
     
 
     
 
     
 
Residential 1 - 4 family
  $
9,219
    $
-
    $
-
    $
-
    $
113,686
    $
122,905
 
Commercial and multi- family real estate
   
362,519
     
1,797
     
3,258
     
-
     
40
     
367,614
 
Commercial
   
75,559
     
410
     
1,688
     
-
     
1
     
77,658
 
Consumer
   
45
     
-
     
-
     
-
     
8,202
     
8,247
 
Total
  $
447,342
    $
2,207
    $
4,946
    $
-
    $
121,929
    $
576,424
 
   
Pass
   
Special Mention
   
Substandard
   
Doubtful
   
Not rated
   
Total
 
                                                 
2018
     
 
     
 
     
 
     
 
     
 
     
 
Residential 1 - 4 family
  $
10,461
    $
-
    $
-
    $
-
    $
109,380
    $
119,841
 
Commercial and multi- family real estate
   
346,580
     
4,755
     
3,111
     
-
     
-
     
354,446
 
Commercial
   
79,179
     
-
     
1,451
     
-
     
-
     
80,630
 
Consumer
   
-
     
-
     
-
     
-
     
6,697
     
6,697
 
Total
  $
436,220
    $
4,755
    $
4,562
    $
-
    $
116,077
    $
561,614
 
Schedule of the Performance of the Loan Portfolio [Table Text Block]
   
(in thousands)
         
   
Residential 1-4 family
   
Commercial and multi-family real estate
   
Commercial
   
Consumer
   
Total
 
2019
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
  $
113,364
    $
24
    $
-
    $
8,202
    $
121,590
 
Nonperforming
   
322
     
16
     
1
     
-
     
339
 
Total
  $
113,686
    $
40
    $
1
    $
8,202
    $
121,929
 
   
Residential 1-4 family
   
Commercial and multi-family real estate
   
Commercial
   
Consumer
   
Total
 
2018
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
  $
109,103
    $
-
    $
-
    $
6,696
    $
115,799
 
Nonperforming
   
278
     
-
     
-
     
-
     
278
 
Total
  $
109,381
    $
-
    $
-
    $
6,696
    $
116,077
 
Financing Receivable, Troubled Debt Restructuring [Table Text Block]
   
(dollars in thousands)
 
   
Number of modifications
   
Recorded investment
   
Allowance for loan and lease losses allocated
 
2019
     
 
     
 
     
 
Commercial and multi family real estate
   
2
    $
545
    $
-
 
Commercial
   
1
     
750
     
342
 
Total    
3
    $
1,295
    $
342
 
2018
     
 
     
 
     
 
Residential 1-4 family real estate
   
2
    $
140
    $
-
 
Schedule of Loans Acquired in Acquisition [Table Text Block]
   
Benchmark Bank
 
   
(in thousands)
 
   
Contractual
     
 
 
   
 
 
   
Principal
   
Accretable
   
Carrying
 
2019
 
Receivable
   
Difference
   
Amount
 
Purchased Performing Loans and Leases
     
 
     
 
     
 
Balance at December 31, 2018
  $
74,837
    $
(1,553
)   $
73,284
 
Change due to payments received
   
(15,884
)    
376
     
(15,508
)
Balance at December 31, 2019
  $
58,953
    $
(1,177
)   $
57,776
 
                         
Purchased Impaired Loans and Leases
     
 
     
 
     
 
Balance at December 31, 2018
  $
516
    $
(253
)   $
263
 
Change due to payments received
   
(162
)    
61
     
(101
)
Balance at December 31, 2019
  $
354
    $
(192
)   $
162
 
   
Contractual
     
 
 
   
 
 
   
Principal
   
Accretable
   
Carrying
 
2018
 
Receivable
   
Difference
   
Amount
 
Purchased Performing Loans and Leases
     
 
     
 
     
 
Balance at December 31, 2017
  $
89,151
    $
(2,066
)   $
87,085
 
Change due to payments received
   
(14,314
)    
513
     
(13,801
)
Balance at December 31, 2018
  $
74,837
    $
(1,553
)   $
73,284
 
                         
Purchased Impaired Loans and Leases
     
 
     
 
     
 
Balance at December 31, 2017
  $
1,588
    $
(674
)   $
914
 
Change due to payments received
   
(1,072
)    
421
     
(651
)
Balance at December 31, 2018   $
516
    $
(253
)   $
263
 
   
The Ohio State Bank
 
   
(in thousands)
 
   
Contractual
     
 
 
   
 
 
   
Principal
   
Accretable
   
Carrying
 
2019
 
Receivable
   
Difference
   
Amount
 
Purchased Performing Loans and Leases
     
 
     
 
     
 
Balance at December 31, 2018
  $
19,043
    $
(658
)   $
18,385
 
Change due to payments received
   
(5,996
)    
228
     
(5,768
)
Balance at December 31, 2019
  $
13,047
    $
(430
)   $
12,617
 
                         
Purchased Impaired Loans and Leases
     
 
     
 
     
 
Balance at December 31, 2018
  $
196
    $
(163
)   $
33
 
Change due to payments received
   
(21
)    
14
     
(7
)
Change due to loan charge-offs
   
(15
)    
15
     
-
 
Balance at December 31, 2019
  $
160
    $
(134
)   $
26
 
   
Contractual
     
 
 
   
 
 
   
Principal
   
Accretable
   
Carrying
 
2018
 
Receivable
   
Difference
   
Amount
 
Purchased Performing Loans and Leases
     
 
     
 
     
 
Balance at December 31, 2017
  $
25,509
    $
(929
)   $
24,580
 
Change due to payments received
   
(6,466
)    
271
     
(6,195
)
Balance at December 31, 2018
  $
19,043
    $
(658
)   $
18,385
 
                         
Purchased Impaired Loans and Leases
     
 
     
 
     
 
Balance at December 31, 2017
  $
496
    $
(232
)   $
264
 
Change due to payments received
   
(232
)    
(31
)    
(263
)
Change due to loan charge-offs
   
(68
)    
100
     
32
 
Balance at December 31, 2018   $
196
    $
(163
)   $
33
 
Schedule of Related Party Loans [Table Text Block]
   
(in thousands)
 
   
2019
   
2018
   
2017
 
Beginning of year
  $
1,371
    $
491
    $
370
 
Additions
   
-
     
952
     
300
 
Repayments
   
(217
)    
(72
)    
(179
)
End of year
  $
1,154
    $
1,371
    $
491