Note 4 - Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2018

Notes Tables

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

September 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	$	−		$	10	$	7		$	111	$	−	$	111	$	19,062	$	−	$	19,062
Land acquisition, development & commercial		311		−			−		(97	)		214		−		214		26,048		43		26,005
Real estate:				−
Residential		955		(96	)		30		200			1,089		−		1,089		141,728		667		141,061
Commercial		1,603		−			1		147			1,751		−		1 ,751		187,894		4,264		183,630
Commercial, industrial & agricultural		441		(37	)		2		(11	)		395		−		395		54,933		180		54,753
Equity lines		237		−			−		(27	)		210		−		210		28,675		298		28,377
Consumer		108		(114	)		22		98			114		−		114		8,003		−		8,003
Unallocated		9		−			−		54			63		−		63		−		−		−
Total	$	3,758	$	(247	)	$	65	$	371		$	3,947	$	−	$	3,947	$	466,343	$	5,452	$	460,891

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	$	19,062	$	−	$	−	$	−	$	−	$	−	$	19,062
Land acquisition, development & commercial		25,465		−		82		458		43		−		26,048
Real estate loans:
Residential		140,428		369		255		385		236		55		141,728
Commercial		184,717		2,137		−		573		467		−		187,894
Commercial, industrial, agricultural		54,593		171		−		−		169		−		54,933
Equity lines		28,230		−		147		298		−		−		28,675
Consumer		8,003		−		−		−		−		−		8,003
Total Loans	$	460,498	$	2,677	$	484	$	1,714	$	915	$	55	$	466,343

(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