Note 4 - Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2014

Disclosure Text Block Supplement [Abstract]

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

December 31, 2014	Allowance for loan losses																Loans
Class of Loan (Dollars in Thousands)	Beginning balance		Charge- offs			Recoveries		Provisions			Ending balance		Ending balance: individually evaluated for impairment		Ending balance: collectively evaluated for impairment		Ending balance		Ending balance: individually evaluated for impairment		Ending balance: collectively evaluated for impairment
Construction loans:
Residential	$	156	$	−		$	−	$	(113	)	$	43	$	−	$	43	$	10,019	$	−	$	10,019
Land acquisition, development & commercial		872		−			−		(419	)		453		−		453		23,686		−		23,686
Real estate:
Residential		867		(233	)		34		165			833		−		833		86,269		525		85,744
Commercial		1,008		−			−		4			1,012		141		871		135,070		7,648		127,422
Commercial, industrial & agricultural		327		(55	)		−		47			319		−		319		44,807		−		44,807
Equity lines		385		(136	)		37		137			423		−		423		24,330		−		24,330
Consumer		63		(40	)		4		38			65		−		65		7,498		−		7,498
Unallocated		43		−			−		141			184		−		184		−		−		−
Total	$	3,721	$	(464	)	$	75	$	−		$	3,332	$	141	$	3,191	$	331,679	$	8,173	$	323,506

December 31, 2013	Allowance for loan losses																Loans
Class of Loan (Dollars in Thousands)	Beginning balance		Charge- offs			Recoveries		Provisions			Ending balance		Ending balance: individually evaluated for impairment		Ending balance: collectively evaluated for impairment		Ending balance		Ending balance: individually evaluated for impairment		Ending balance: collectively evaluated for impairment
Construction loans:
Residential	$	117	$	-		$	-	$	39		$	156	$	-	$	156	$	6,768	$	-	$	6,768
Land acquisition, development & commercial		811		-			-		61			872		-		872		20,904		1,550		19,354
Real estate:
Residential		725		(446	)		81		507			867		163		704		72,934		850		72,084
Commercial		1,054		(88	)		298		(256	)		1,008		-		1,008		126,100		9,266		116,834
Commercial, industrial & agricultural		459		(27	)		-		(105	)		327		10		317		42,155		324		41,831
Equity lines		386		-			2		(3	)		385		-		385		20,374		-		20,374
Consumer		145		(14	)		-		(68	)		63		-		63		8,698		-		8,698
Unallocated		93		-			-		(50	)		43		-		43		-		-		-
Total	$	3,790	$	(575	)	$	381	$	125		$	3,721	$	173	$	3,548	$	297,933	$	11,990	$	285,943

Financing Receivable Credit Quality Indicators [Table Text Block]

(Dollars In Thousands)	Pass		Special Mention		Substandard Accruing		Substandard Nonaccrual		Total
Construction loans:
Residential	$	10,019	$	−	$	−	$	−	$	10,019
Land acquisition, development & commercial		23,672		−		14		−		23,686
Real estate loans:
Residential		81,409		4,335		50		475		86,269
Commercial		131,087		2,302		923		758		135,070
Commercial, industrial, agricultural		44,248		521		38		−		44,807
Equity lines		24,330		−		−		−		24,330
Consumer		7,475		−		2		21		7,498
Total Loans	$	322,240	$	7,158	$	1,027	$	1,254	$	331,679

(Dollars In Thousands)	Pass		Special Mention		Substandard Accruing		Substandard Nonaccrual		Total
Construction loans:
Residential	$	6,768	$	–	$	–	$	–	$	6,768
Land acquisition, development & commercial		19,336		–		1,568		–		20,904
Real estate loans:
Residential		67,548		4,455		223		708		72,934
Commercial		121,970		510		3,620		–		126,100
Commercial, industrial, agricultural		41,051		96		815		193		42,155
Equity lines		20,316		–		–		58		20,374
Consumer		8,668		–		–		30		8,698
Total Loans	$	285,657	$	5,061	$	6,226	$	989	$	297,933