Note 4 - Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2017

Notes Tables

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

September 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	$	−		$	−	$	26		$	89	$	−	$	89	$	12,278	$	−	$	12,278
Land acquisition, development & commercial		173		−			−		50			223		−		223		33,915		−		33,915
Real estate:				−
Residential		866		−			−		4			870		−		870		117,114		648		116,466
Commercial		1,516		(436	)		41		565			1,686		−		1,686		173,713		4,141		169,572
Commercial, industrial & agricultural		461		(68	)		−		92			485		−		485		61,152		27		61,125
Equity lines		338		−			−		(93	)		245		−		245		28,914		−		28,914
Consumer		97		(59	)		17		44			99		−		99		7,724		−		7,724
Unallocated		122		−			−		(113	)		9		−		9		−		−		−
Total	$	3,636	$	(563	)	$	58	$	575		$	3,706	$	−	$	3,706	$	434,810	$	4,816	$	429,994

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	$	12,278	$	−	$	−	$	−	$	12,278
Land acquisition, development & commercial		33,915		−		−		−		33,915
Real estate loans:
Residential		116,240		226		189		459		117,114
Commercial		172,818		20		664		211		173,713
Commercial, industrial, agricultural		60,495		106		524		27		61,152
Equity lines		28,914		−		−		−		28,914
Consumer		7,721		−		−		3		7,724
Total Loans	$	432,381	$	352	$	1,377	$	700	$	434,810

(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