Note 4 - Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2017

Notes Tables

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

June 30 , 2017	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	$	63	$	−		$	−	$	(2	)	$	61	$	−	$	61	$	9,990	$	−	$	9,990
Land acquisition, development & commercial		173		−			−		31			204		−		204		31,778		−		31,778
Real estate:				−
Residential		866		−			−		(51	)		815		−		815		113,434		767		112,667
Commercial		1,516		(430	)		38		615			1,739		17		1,722		180,121		6,701		173,420
Commercial, industrial & agricultural		461		(57	)		−		69			473		−		473		61,459		27		61,432
Equity lines		338		−			−		(57	)		281		−		281		30,519		−		30,519
Consumer		97		(39	)		17		22			97		−		97		7,200		−		7,200
Unallocated		122		−			−		(92	)		30		−		30		−		−		−
Total	$	3,636	$	(526	)	$	55	$	535		$	3,700	$	17	$	3,683	$	434,501	$	7,495	$	427,006

December 31, 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	$	−		$	−	$	(20	)	$	63	$	−	$	63	$	10,204	$	−	$	10,204
Land acquisition, development & commercial		187		(2	)		−		(12	)		173		−		173		27,480		−		27,480
Real estate:
Residential		1,047		(4	)		45		(222	)		866		−		866		111,626		770		110,856
Commercial		1,001		(606	)		−		1,121			1,516		17		1,499		172,248		6,495		165,753
Commercial, industrial & agricultural		531		(34	)		−		(36	)		461		−		461		59,809		11		59,798
Equity lines		277		(99	)		10		150			338		−		338		29,956		−		29,956
Consumer		85		(103	)		49		66			97		−		97		7,668		−		7,668
Unallocated		87		−			−		35			122		−		122		−		−		−
Total	$	3,298	$	(848	)	$	104	$	1,082		$	3,636	$	17	$	3,619	$	418,991	$	7,276	$	411,715

Financing Receivable Credit Quality Indicators [Table Text Block]

(Dollars in Thousands)	Pass		Special Mention		Substandard Accruing		Substandard Nonaccrual		Total
Construction loans:
Residential	$	9,990	$	−	$	−	$	−	$	9,990
Land acquisition, development & commercial		31,778		−		−		−		31,778
Real estate loans:
Residential		112,667		−		190		577		113,434
Commercial		176,840		−		533		2,748		180,121
Commercial, industrial, agricultural		60,806		83		543		27		61,459
Equity lines		30,519		−		−		−		30,519
Consumer		7,200		−		−		−		7,200
Total Loans	$	429,800	$	83	$	1,266	$	3,352	$	434,501

(Dollars in Thousands)	Pass		Special Mention		Substandard Accruing		Substandard Nonaccrual		Total
Construction loans:
Residential	$	10,204	$	−	$	−	$	−	$	10,204
Land acquisition, development & commercial		27,480		−		−		−		27,480
Real estate loans:
Residential		110,856		−		193		577		111,626
Commercial		171,369		−		543		336		172,248
Commercial, industrial, agricultural		59,120		78		600		11		59,809
Equity lines		29,956		−		−		−		29,956
Consumer		7,668		−		−		−		7,668
Total Loans	$	416,653	$	78	$	1,336	$	924	$	418,991