Note 4 - Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2016

Notes Tables

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

June 30 , 2016	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	$	83	$	−		$	−	$	3		$	86	$	−	$	86	$	12,472	$	−	$	12,472
Land acquisition, development & commercial		187		(2	)		−		(42	)		143		−		143		21,057		−		21,057
Real estate:
Residential		1,047		−			45		(213	)		879		−		879		106,622		771		105,851
Commercial		1,001		(606	)		−		1,119			1,514		17		1,497		160,901		8,829		152,072
Commercial, industrial & agricultural		531		(33	)		−		(75	)		423		−		423		55,719		12		55,707
Equity lines		277		(99	)		9		100			287		−		287		29,235		−		29,235
Consumer		85		(45	)		14		44			98		−		98		7,662		−		7,662
Unallocated		87		−			−		(68	)		19		−		19		−		−		−
Total	$	3,298	$	(785	)	$	68	$	868		$	3,449	$	17	$	3,432	$	393,668	$	9,612	$	384,056

December 31, 2015	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	$	43	$	−		$	−	$	40		$	83	$	−	$	83	$	11,779	$	−	$	11,779
Land acquisition, development & commercial		453		−			−		(266	)		187		−		187		27,440		−		27,440
Real estate:
Residential		833		−			1		213			1,047		−		1,047		100,268		247		100,021
Commercial		1,012		−			−		(11	)		1,001		17		984		140,952		7,578		133,374
Commercial, industrial & agricultural		319		−			10		202			531		−		531		53,012		12		53,000
Equity lines		423		−			1		(147	)		277		−		277		26,376		−		26,376
Consumer		65		(80	)		34		66			85		−		85		7,531		−		7,531
Unallocated		184		−			−		(97	)		87		−		87		−		−		−
Total	$	3,332	$	(80	)	$	46	$	−		$	3,298	$	17	$	3,281	$	367,358	$	7,837	$	359,521

Financing Receivable Credit Quality Indicators [Table Text Block]

(Dollars In Thousands)	Pass		Special Mention		Substandard Accruing		Substandard Nonaccrual		Total
Construction loans:
Residential	$	12,472	$	−	$	−	$	−	$	12,472
Land acquisition, development & commercial		21,049		−		−		8		21,057
Real estate loans:
Residential		105,851		−		194		577		106,622
Commercial		157,818		−		1,431		1,652		160,901
Commercial, industrial, agricultural		55,008		700		−		11		55,719
Equity lines		29,235		−		−		−		29,235
Consumer		7,658		−		4		−		7,662
Total Loans	$	389,091	$	700	$	1,629	$	2,248	$	393,668

(Dollars In Thousands)	Pass		Special Mention		Substandard Accruing		Substandard Nonaccrual		Total
Construction loans:
Residential	$	11,779	$	−	$	−	$	−	$	11,779
Land acquisition, development & commercial		27,429		−		−		11		27,440
Real estate loans:
Residential		95,809		4,212		247		−		100,268
Commercial		138,034		1,155		1,395		368		140,952
Commercial, industrial, agricultural		51,801		1,164		−		47		53,012
Equity lines		26,376		−		−		−		26,376
Consumer		7,523		−		8		−		7,531
Total Loans	$	358,751	$	6,531	$	1,650	$	426	$	367,358