Note 11 - Deposits

12 Months Ended

Dec. 31, 2014

Disclosure Text Block [Abstract]

Deposit Liabilities Disclosures [Text Block]

11. Deposits

Composition

The following table summarizes the composition of deposits at the dates indicated (in thousands).

	December 31,
	2014		2013
Transaction deposits	$	528,633	$	494,289
Money market deposits		138,449		136,476
Savings deposits		90,318		79,760
Time deposits $100,000 and greater		67,419		79,654
Time deposits less than $100,000		103,501		117,181
Total deposits	$	928,320	$	907,360

At December 31, 2014 and 2013, $531 thousand and $564 thousand, respectively, of overdrawn transaction deposit accounts were reclassified to loans.

At December 31, 2014 and 2013, $17.6 million and $22.2 million, respectively, of time deposits meet or exceed the FDIC insurance limit of $250,000.

Time Deposit Maturities

The following table summarizes the maturity distribution of time deposit accounts at December 31, 2014 during the periods indicated (in thousands).

For the years ended December 31,
2015	$	124,154
2016		24,321
2017		12,809
2018		7,262
2019		2,343
Thereafter		31
	$	170,920

Time Deposits $100 Thousand and Greater

The following table summarizes time deposit accounts of $100 thousand and greater by maturity as of December 31, 2014 (in thousands).

	As of December 31, 2014
Three months or less	$	19,401
Over three months through six months		12,174
Over six months through twelve months		14,187
Twelve months or less		45,762
Over twelve months		21,657
Total time deposits $100 thousand and greater	$	67,419

Interest Expense on Deposit Accounts

The following table summarizes interest expense on deposits for the periods indicated (in thousands).

	For the years ended December 31,
	2014		2013		2012
Transaction deposits	$	41	$	39	$	39
Money market deposits		38		32		47
Savings deposits		9		10		9
Time deposits		406		2,176		5,041
Total interest expense on deposits	$	494	$	2,257	$	5,136