Note 4 - Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2018

Notes Tables

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

March 31, 2018	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	$	94	$	−		$	−	$	26		$	120	$	−	$	120	$	19,452	$	−	$	19,452
Land acquisition, development & commercial		311		(3	)		−		(8	)		300		−		300		38,348		181		38,167
Real estate:				−
Residential		955		(103	)		9		153			1,014		−		1,014		129,505		427		129,078
Commercial		1,603		−			−		(75	)		1,528		−		1,528		173,803		4,435		169,368
Commercial, industrial & agricultural		441		−			−		1			442		−		442		58,327		10		58,317
Equity lines		237		−			−		(19	)		218		−		218		28,973		299		28,674
Consumer		108		(42	)		4		38			108		−		108		7,182		−		7,182
Unallocated		9		−			−		121			130		−		130		−		−		−
Total	$	3,758	$	(148	)	$	13	$	237		$	3,860	$	−	$	3,860	$	455,590	$	5,352	$	450,238

December 31, 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	$	−		$	−	$	31		$	94	$	−	$	94	$	15,221	$	−	$	15,221
Land acquisition, development & commercial		173		(150	)		−		288			311		−		311		35,601		181		35,420
Real estate:
Residential		866		(293	)		−		382			955		−		955		121,649		360		121,289
Commercial		1,516		(454	)		43		498			1,603		−		1,603		173,999		4,098		169,901
Commercial, industrial & agricultural		461		(80	)		−		60			441		−		441		61,197		379		60,818
Equity lines		338		−			−		(101	)		237		−		237		28,835		299		28,536
Consumer		97		(101	)		15		97			108		−		108		7,693		−		7,693
Unallocated		122		−			−		(113	)		9		−		9		−		−		−
Total	$	3,636	$	(1,078	)	$	58	$	1,142		$	3,758	$	−	$	3,758	$	444,195	$	5,317	$	438,878

Financing Receivable Credit Quality Indicators [Table Text Block]

(Dollars in Thousands)	Pass		Special Mention		Substandard Accruing		Substandard Nonaccrual		Doubtful Nonaccrual		Total
Construction loans:
Residential	$	19,452	$	−	$	−	$	−	$	−	$	19,452
Land acquisition, development & commercial		34,195		4,110		−		43		−		38,348
Real estate loans:
Residential		128,584		494		185		242		−		129,505
Commercial		164,348		8,334		636		485		−		173,803
Commercial, industrial, agricultural		56,374		1,378		539		15		21		58,327
Equity lines		28,674		−		299		−		−		28,973
Consumer		7,182		−		−		−		−		7,182
Total Loans	$	438,809	$	14,316	$	1,659	$	785	$	21	$	455,590

(Dollars in Thousands)	Pass		Special Mention		Substandard Accruing		Substandard Nonaccrual		Doubtful Nonaccrual		Total
Construction loans:
Residential	$	15,221	$	−	$	−	$	−	$	−	$	15,221
Land acquisition, development & commercial		31,433		3,987		−		181		−		35,601
Real estate loans:
Residential		120,575		342		559		−		173		121,649
Commercial		165,760		7,386		644		209		−		173,999
Commercial, industrial, agricultural		59,042		1,249		503		379		24		61,197
Equity lines		28,536		−		299		−		−		28,835
Consumer		7,658		−		−		35		−		7,693
Total Loans	$	428,225	$	12,964	$	2,005	$	804	$	197	$	444,195