Note 4 - Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2018

Notes Tables

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

December 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	$	−		$	−	$	17		$	111	$	−	$	111	$	17,232	$	−	$	17,232
Land acquisition, development & commercial		311		−			10		(82	)		239		−		239		28,903		43		28,860
Real estate:
Residential		955		(122	)		30		219			1,082		−		1,082		143,385		538		142,847
Commercial		1,603		−			1		27			1,631		−		1,631		184,989		4,228		180,761
Commercial, industrial & agricultural		441		(37	)		27		25			456		−		456		60,265		63		60,202
Equity lines		237		(87	)		−		102			252		−		252		28,969		210		28,759
Consumer		108		(171	)		22		183			142		−		142		7,719		−		7,719
Unallocated		9		−			−		70			79		−		79		−		−		−
Total	$	3,758	$	(417	)	$	90	$	561		$	3,992	$	−	$	3,992	$	471,462	$	5,082	$	466,380

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	$	17,232	$	−	$	−	$	−	$	−	$	17,232
Land acquisition, development & commercial		28,860		−		−		43		−		28,903
Real estate loans:
Residential		142,473		408		182		235		87		143,385
Commercial		181,842		2,122		562		463		−		184,989
Commercial, industrial, agricultural		59,262		477		393		133		−		60,265
Equity lines		28,712		47		−		210		−		28,969
Consumer		7,719		−		−		−		−		7,719
Total Loans	$	466,100	$	3,054	$	1,137	$	1,084	$	87	$	471,462

(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