Note 4 - Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2018

Notes Tables

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

June 30 , 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	$	−		$	−	$	47		$	141	$	−	$	141	$	20,143	$	−	$	20,143
Land acquisition, development & commercial		311		−			−		(116	)		195		−		195		21,343		223		21,120
Real estate:				−
Residential		955		(103	)		30		126			1,008		−		1,008		134,721		623		134,098
Commercial		1,603		−			−		134			1,737		−		1,737		188,677		4,301		184,376
Commercial, industrial & agricultural		441		(35	)		1		50			457		−		457		59,591		182		59,409
Equity lines		237		−			−		2			239		−		239		29,294		421		28,873
Consumer		108		(86	)		5		108			135		−		135		7,683		−		7,683
Unallocated		9		−			−		(4	)		5		−		5		−		−		−
Total	$	3,758	$	(224	)	$	36	$	347		$	3,917	$	−	$	3,917	$	461,452	$	5,750	$	455,702

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 Accruing		Special Mention Accruing		Special Mention Nonaccrual		Substandard Accruing		Substandard Nonaccrual		Doubtful Nonaccrual		Total
Construction loans:
Residential	$	20,143	$	−	$	−	$	−	$	−	$	−	$	20,143
Land acquisition, development & commercial		21,035		−		266		−		42		−		21,343
Real estate loans:
Residential		133,447		488		221		326		239		−		134,721
Commercial		185,974		1,646		−		586		471		−		188,677
Commercial, industrial, agricultural		59,145		155		118		13		146		14		59,591
Equity lines		28,873		−		122		299		−		−		29,294
Consumer		7,683		−		−		−		−		−		7,683
Total Loans	$	456,300	$	2,289	$	727	$	1,224	$	898	$	14	$	461,452

(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