Note 4 - Loans and the Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2017

Notes Tables

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

	June 30 ,			December 31,
	2017			2016
Commercial	$	39,394		$	41,293
Agricultural		54,974			51,103
Real estate – residential		18,952			21,283
Real estate – commercial		236,791			226,136
Real estate – construction and land development		24,819			21,904
Equity lines of credit		42,211			42,338
Auto		55,255			53,553
Other		3,695			3,513
		476,091			461,123
Deferred loan costs, net		2,182			2,006
Allowance for loan losses		(6,855	)		(6,549	)
Loans, net	$	471,418		$	456,580

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

	June 30 ,			December 31,
	2017			2016
Balance, beginning of year	$	6,549		$	6,078
Provision charged to operations		400			800
Losses charged to allowance		(175	)		(979	)
Recoveries		81			650
Balance, end of period	$	6,855		$	6,549

Financing Receivable Credit Quality Indicators [Table Text Block]

June 30, 201 7	Commercial Credit Exposure
	Credit Risk Profile by Internally Assigned Grade
Grade:	Commercial		Agricultural		Real Estate- Residential		Real Estate- Commercial		Real Estate- Construction		Equity LOC		Total
Pass	$	38,221	$	51,320	$	18,688	$	234,800	$	24,123	$	41,951	$	409,103
Watch		811		3,654		133		343		-		-		4,941
Substandard		362		-		131		1,648		696		260		3,097
Doubtful		-		-		-		-		-		-		-
Total	$	39,394	$	54,974	$	18,952	$	236,791	$	24,819	$	42,211	$	417,141

December 31, 201 6	Commercial Credit Exposure
	Credit Risk Profile by Internally Assigned Grade
Grade:	Commercial		Agricultural		Real Estate- Residential		Real Estate- Commercial		Real Estate- Construction		Equity LOC		Total
Pass	$	40,459	$	50,790	$	21,125	$	223,854	$	21,201	$	41,983	$	399,412
Watch		565		280		-		400		-		-		1,245
Substandard		269		33		158		1,882		703		355		3,400
Doubtful		-		-		-		-		-		-		-
Total	$	41,293	$	51,103	$	21,283	$	226,136	$	21,904	$	42,338	$	404,057

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

	Commercial			Agricultural		Real Estate- Residential			Real Estate- Commercial			Real Estate- Construction			Equity LOC			Auto			Other			Total
Six months ended 6/30/1 7 :
Allowance for Loan Losses
Beginning balance	$	655		$	466	$	280		$	2,740		$	927		$	575		$	815		$	91		$	6,549
Charge-offs		(67	)		-		-			-			-			-			(90	)		(18	)		(175	)
Recoveries		19			-		2			3			-			2			50			5			81
Provision		98			48		(30	)		69			144			(16	)		70			17			400
Ending balance	$	705		$	514	$	252		$	2,812		$	1,071		$	561		$	845		$	95		$	6,855
Three months ended 6/30/1 7 :
Allowance for Loan Losses
Beginning balance	$	788		$	473	$	268		$	2,919		$	838		$	561		$	806		$	90		$	6,743
Charge-offs		(67	)		-		-			-			-			-			(40	)		(13	)		(120	)
Recoveries		11			-		1			1			-			2			16			1			32
Provision		(27	)		41		(17	)		(108	)		233			(2	)		63			17			200
Ending balance	$	705		$	514	$	252		$	2,812		$	1,071		$	561		$	845		$	95		$	6,855
Six months ended 6/30/ 1 6 :
Allowance for Loan Losses
Beginning balance	$	639		$	294	$	341		$	2,525		$	874		$	528		$	784		$	93		$	6,078
Charge-offs		(73	)		-		-			(252	)		-			(23	)		(158	)		(24	)		(530	)
Recoveries		17			-		36			2			329			1			82			15			482
Provision		252			122		(55	)		190			(320	)		67			133			11			400
Ending balance	$	835		$	416	$	322		$	2,465		$	883		$	573		$	841		$	95		$	6,430
Three months ended 6/30/1 6 :
Allowance for Loan Losses
Beginning balance	$	637		$	311	$	318		$	2,762		$	800		$	524		$	763		$	83		$	6,198
Charge-offs		-			-		-			(252	)		-			1			(53	)		(6	)		(310	)
Recoveries		6			-		1			2			300			1			25			7			342
Provision		192			105		3			(47	)		(217	)		47			106			11			200
Ending balance	$	835		$	416	$	322		$	2,465		$	883		$	573		$	841		$	95		$	6,430
June 30, 201 7 :
Allowance for Loan Losses
Ending balance: individually e valuated for impairment	$	93		$	-	$	53		$	76		$	218		$	22		$	16		$	2		$	480
Ending balance: collectively evaluated for impairment	$	612		$	514	$	199		$	2,736		$	853		$	539		$	829		$	93		$	6,375
Loans
Ending balance	$	39,394		$	54,974	$	18,952		$	236,791		$	24,819		$	42,211		$	55,255		$	3,695		$	476,091
Ending balance: individually evaluated for impairment	$	105		$	256	$	1,288		$	2,258		$	823		$	260		$	308		$	2		$	5,300
Ending balance: collectively evaluated for impairment	$	39,289		$	54,718	$	17,664		$	234,533		$	23,996		$	41,951		$	54,947		$	3,693		$	470,791
December 31, 201 6 :
Allowance for Loan Losses
Ending balance: individually evaluated for impairment	$	2		$	-		53		$	81		$	206		$	24		$	-		$	-		$	366
Ending balance: collectively evaluated for impairment	$	653		$	466	$	227		$	2,659		$	721		$	551		$	815		$	91		$	6,183
Loans
Ending balance	$	41,293		$	51,103	$	21,283		$	226,136		$	21,904		$	42,338		$	53,553		$	3,513		$	461,123
Ending balance: individually evaluated for impairment	$	16		$	258	$	1,615		$	2,323		$	833		$	326		$	69		$	2		$	5,442
Ending balance: collectively evaluated for impairment	$	41,277		$	50,845	$	19,668		$	223,813		$	21,071		$	42,012		$	53,484		$	3,511		$	455,681

Past Due Financing Receivables [Table Text Block]

June 30, 201 7	30-89 Days		90 Days and Still				Total Past Due and
	Past Due		Accruing		Nonaccrual		Nonaccrual		Current		Total
Commercial	$	618	$	-	$	90	$	708	$	38,686	$	39,394
Agricultural		302		-		-		302		54,672		54,974
Real estate – residential		153		-		131		284		18,668		18,952
Real estate – commercial		1,590		-		1,422		3,012		233,779		236,791
Real estate – construction & land		-		-		696		696		24,123		24,819
Equity Lines of Credit		595		-		260		855		41,356		42,211
Auto		872		-		308		1,180		54,075		55,255
Other		31		-		3		34		3,661		3,695
Total	$	4,161	$	-	$	2,910	$	7,071	$	469,020	$	476,091

December 31, 201 6	30-89 Days		90 Days and Still				Total Past Due and
	Past Due		Accruing		Nonaccrual		Nonaccrual		Current		Total
Commercial	$	77	$	-	$	-	$	77	$	41,216	$	41,293
Agricultural		-		-		-		-		51,103		51,103
Real estate – residential		179		-		145		324		20,959		21,283
Real estate – commercial		519		-		1,479		1,998		224,138		226,136
Real estate – construction & land		10		-		703		713		21,191		21,904
Equity Lines of Credit		276		-		326		602		41,736		42,338
Auto		919		-		69		988		52,565		53,553
Other		23		-		2		25		3,488		3,513
Total	$	2,003	$	-	$	2,724	$	4,727	$	456,396	$	461,123

Impaired Financing Receivables [Table Text Block]

			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
As of June 30, 201 7 :	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded:
Commercial	$	-	$	-			$	-	$	-
Agricultura l		256		256				257		10
Real estate – residential		1,048		1,059				1,060		30
Real estate – commercial		1,731		2,169				1,618		29
Real estate – construction & land		171		171				176		-
Equity Lines of Credit		219		219				207		-
Auto		275		275				87		-
Other		-		-				-		-
With an all owance recorded:
Commercial	$	105	$	105	$	93	$	35	$	1
Agricult ural		-		-		-		-		-
Real est ate – residential		240		240		53		241		5
Real est ate – commercial		527		735		76		530		-
Real est ate – construction & land		652		652		218		664		4
Equity Lines of Credit		41		41		22		13		-
Auto		33		34		16		1		-
Other		2		2		2		1		-
Total:
Commercial	$	105	$	105	$	93	$	35	$	1
Agricult ural		256		256		-		257		10
Real estate – residential		1,288		1,299		53		1,301		35
Real est ate – commercial		2,258		2,904		76		2,148		29
Real est ate – construction & land		823		823		218		840		4
Equity Lines of Credit		260		260		22		220		-
Auto		308		309		16		88		-
Other		2		2		2		1		-
Total	$	5,300	$	5,958	$	480	$	4,890	$	79

			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
As of December 31, 2016:	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded:
Commercial	$	-	$	-			$	-	$	-
Agricultural		258		258				259		19
Real estate – residential		1,373		1,385				1,291		77
Real estate – commercial		1,789		2,227				1,589		33
Real estate – construction & land		198		198				210		-
Equity Lines of Credit		219		219				121		-
Auto		69		69				46		-
Other		2		2				-		-
With an allowance recorded:
Commercial	$	16	$	16	$	2	$	16	$	1
Agricultural		-		-		-		-		-
Real estate – residential		242		242		53		243		11
Real estate – commercial		534		742		81		534		-
Real estate – construction & land		635		635		206		658		8
Equity Lines of Credit		107		107		24		110		-
Auto		-		-		-		-		-
Other		-		-		-		-		-
Total:
Commercial	$	16	$	16	$	2	$	16	$	1
Agricultural		258		258		-		259		19
Real estate – residential		1,615		1,627		53		1,534		88
Real estate – commercial		2,323		2,969		81		2,123		33
Real estate – construction & land		833		833		206		868		8
Equity Lines of Credit		326		326		24		231		-
Auto		69		69		-		46		-
Other		2		2		-		-		-
Total	$	5,442	$	6,100	$	366	$	5,077	$	149

Consumer Portfolio Segment [Member]

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

	Consumer Credit E xposure						Consumer Credit Exposure
	Credit Risk Profile Based on Payment Activity						Credit Risk Profile Based on Payment Activity
	June 30, 201 7						December 31, 201 6
	Auto		Other		Total		Auto		Other		Total
Grade:
Performing	$	54,947	$	3,693	$	58,640	$	53,474	$	3,511	$	56,985
Non-performing		308		2		310		79		2		81
Total	$	55,255	$	3,695	$	58,950	$	53,553	$	3,513	$	57,066