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Note 4 - Loans and Allowance for Loan Losses (Tables)
12 Months Ended
Dec. 31, 2017
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
             
December 31, (In thousands)
 
201
7
   
201
6
 
Real Estate
 
 
 
 
 
 
 
 
Real estate
mortgage – construction and land development
  $
129,181
    $
120,230
 
Real estate mortgage
– residential
   
355,304
     
350,295
 
Real estate mortgage
– farmland and other commercial enterprises
   
432,321
     
400,367
 
Commercial
 
 
 
 
 
 
 
 
Commercial and industrial
   
63,417
     
48,607
 
States and political subdivisions
   
27,209
     
18,933
 
Other
   
19,916
     
23,308
 
Consumer
 
 
 
 
 
 
 
 
Secured
   
4,853
     
4,554
 
Unsecured
   
3,062
     
4,681
 
Total loans
   
1,035,263
     
970,975
 
Less unearned income
   
-
     
-
 
Total loans, net of unearned income
  $
1,035,263
    $
970,975
 
Schedule of Related Party Transactions [Table Text Block]
                   
(In thousands)
Years Ended December 31,
 
201
7
   
201
6
   
201
5
 
Legal fees
  $
139
    $
257
    $
221
 
Commissions and fees related to the sale of repossessed commercial real estate and property management
   
-
     
-
     
9
 
Insurance premiums/commissions
   
-
     
-
     
1
 
Other
   
27
     
2
     
5
 
Total
  $
166
    $
259
    $
236
 
Allowance for Credit Losses on Financing Receivables [Table Text Block]
                         
(
In thousands)
 
Real Estate
   
Commercial
   
Consumer
   
Total
 
201
7
                               
Balance at beginning of period
  $
8,205
    $
854
    $
285
    $
9,344
 
Provision for loan losses
   
(537
)    
237
     
89
     
(211
)
Recoveries
   
1,386
     
139
     
55
     
1,580
 
Loans charged off
   
(545
)    
(279
)    
(106
)    
(930
)
Balance
at end of period
  $
8,509
    $
951
    $
323
    $
9,783
 
201
6
                               
Balance at beginning of period
  $
9,173
    $
820
    $
322
    $
10,315
 
Provision for loan losses
   
(702
)    
50
     
8
     
(644
)
Recoveries
   
141
     
203
     
69
     
413
 
Loans charged off
   
(407
)    
(219
)    
(114
)    
(740
)
Balance at end of period
  $
8,205
    $
854
    $
285
    $
9,344
 
201
5
                               
Balance at beginning of period
  $
12,542
    $
1,153
    $
273
    $
13,968
 
Provision for loan losses
   
(3,099
)    
(449
)    
119
     
(3,429
)
Recoveries
   
463
     
210
     
112
     
785
 
Loans charged off
   
(733
)    
(94
)    
(182
)    
(1,009
)
Balance at end of period
  $
9,173
    $
820
    $
322
    $
10,315
 
Impaired Financing Receivables [Table Text Block]
                                                 
As of and for the Year Ended December 31,
2017
(In thousands)
 
Unpaid
Principal
Balance
   
Recorded
Investment
With No
Allowance
   
Recorded
Investment
With
Allowance
   
Total
Recorded
Investment
   
Allowance
for
Loan Losses
Allocated
   
Average
   
Interest
Income
Recognized
   
Cash Basis
Interest
Recognized
 
Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Real estate
mortgage – construction and land development
  $
4,076
    $
1,746
    $
1,955
    $
3,701
    $
402
    $
5,124
    $
239
    $
239
 
Real estate mortgage
– residential
   
10,112
     
3,233
     
6,877
     
10,110
     
1,973
     
10,337
     
525
     
521
 
Real estate mortgage
– farmland and other commercial enterprises
   
8,737
     
2,203
     
6,367
     
8,570
     
319
     
19,139
     
917
     
908
 
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
   
448
     
-
     
448
     
448
     
270
     
440
     
25
     
25
 
Other
   
-
     
-
     
-
     
-
     
-
     
6
     
-
     
-
 
Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Unsecured
   
312
     
-
     
312
     
312
     
218
     
329
     
17
     
17
 
Total
  $
23,685
    $
7,182
    $
15,959
    $
23,141
    $
3,182
    $
35,375
    $
1,723
    $
1,710
 
                                                 
As of and for the Year Ended December 31,
2016
(In thousands)
 
Unpaid
Principal
Balance
   
Recorded
Investment
With No
Allowance
   
Recorded
Investment
With
Allowance
   
Total
Recorded
Investment
   
Allowance
for
Loan Losses
Allocated
   
Average
   
Interest
Income
Recognized
   
Cash Basis
Interest
Recognized
 
Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Real estate mortgage
– construction and land development
  $
9,076
    $
2,599
    $
3,800
    $
6,399
    $
759
    $
7,706
    $
310
    $
298
 
Real estate mortgage
– residential
   
9,930
     
4,388
     
5,590
     
9,978
     
1,503
     
9,146
     
491
     
465
 
Real
estate mortgage – farmland and other commercial enterprises
   
25,045
     
9,699
     
15,235
     
24,934
     
304
     
25,557
     
1,197
     
1,153
 
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
   
435
     
20
     
418
     
438
     
236
     
419
     
23
     
21
 
Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Unsecured
   
146
     
-
     
146
     
146
     
146
     
151
     
7
     
6
 
Total
  $
44,632
    $
16,706
    $
25,189
    $
41,895
    $
2,948
    $
42,979
    $
2,028
    $
1,943
 
Year Ended December 31,
2015
(In thousands)
 
Average
   
Interest
Income
Recognized
   
Cash Basis
Interest
Recognized
 
Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
Real estate mortgage
– construction and land development
  $
9,409
    $
343
    $
337
 
Real estate mortgage
– residential
   
9,810
     
448
     
438
 
Real estate mortgage
– farmland and other commercial enterprises
   
22,439
     
890
     
887
 
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
   
523
     
16
     
16
 
Consumer
 
 
 
 
 
 
 
 
 
 
 
 
Unsecured
   
127
     
6
     
6
 
Total
  $
42,308
    $
1,703
    $
1,684
 
Loans and ALL Disaggregated Impairment Method [Table Text Block]
                         
December 31,
2017 (In thousands)
 
Real Estate
   
Commercial
   
Consumer
   
Total
 
Allowance for Loan Losses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending allowance balance attributable to loans:
                               
Individually evaluated for impairment
  $
2,694
    $
270
    $
218
    $
3,182
 
Collectively evaluated for impairment
   
5,815
     
681
     
105
     
6,601
 
Total ending allowance balance
  $
8,509
    $
951
    $
323
    $
9,783
 
                                 
Loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans individually evaluated for impairment
  $
22,381
    $
448
    $
312
    $
23,141
 
Loans collectively evaluated for impairment
   
894,425
     
110,094
     
7,603
     
1,012,122
 
Total ending loan balance, net of unearned income
  $
916,806
    $
110,542
    $
7,915
    $
1,035,263
 
                         
December 31,
2016 (In thousands)
 
Real Estate
   
Commercial
   
Consumer
   
Total
 
Allowance for Loan Losses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending allowance balance attributable to loans:
                               
Individually evaluated for impairment
  $
2,566
    $
236
    $
146
    $
2,948
 
Collectively evaluated for impairment
   
5,639
     
618
     
139
     
6,396
 
Total ending allowance balance
  $
8,205
    $
854
    $
285
    $
9,344
 
                                 
Loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans individually evaluated for impairment
  $
41,311
    $
438
    $
146
    $
41,895
 
Loans collectively evaluated for impairment
   
829,581
     
90,410
     
9,089
     
929,080
 
Total ending loan balance, net of unearned income
  $
870,892
    $
90,848
    $
9,235
    $
970,975
 
Non-performing Loans Including TDR's [Table Text Block]
 
December 31,
2017 (In thousands)
 
Nonaccrual
   
Restructured
Loans
   
Loans Past
Due 90 Days
or More and
Still Accruing
 
Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
Real estate mortgage – construction and land development
  $
151
    $
1,955
    $
-
 
Real estate mortgage – residential
   
1,763
     
5,326
     
-
 
Real estate mortgage – farmland and other commercial enterprises
   
1,752
     
3,703
     
-
 
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
   
53
     
370
     
-
 
Consumer
 
 
 
 
 
 
 
 
 
 
 
 
Unsecured
   
168
     
128
     
-
 
Total
  $
3,887
    $
11,482
    $
-
 
                   
 
December 31,
2016 (In thousands)
 
Nonaccrual
   
Restructured
Loans
   
Loans Past
Due 90 Days
or More and
Still Accruing
 
Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
Real estate mortgage – construction and land development
  $
712
    $
3,637
    $
-
 
Real estate mortgage – residential
   
2,316
     
4,006
     
-
 
Real estate mortgage – farmland and other commercial enterprises
   
3,383
     
14,787
     
-
 
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
   
-
     
377
     
-
 
Consumer
 
 
 
 
 
 
 
 
 
 
 
 
Secured
   
4
     
-
     
-
 
Unsecured
   
8
     
135
     
-
 
Total
  $
6,423
    $
22,942
    $
-
 
Past Due Financing Receivables [Table Text Block]
                                           
December 31, 201
7 (In thousands)
 
30-89
Days
Past Due
   
90 Days
or More
Past Due
   
Total
   
Current
   
Total
Loans
   
Loans
Past Due
90 Days
or More
and Still
Accruing
   
Nonaccrual
Loans
 
Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Real estate mortgage – construction and land development
  $
15
    $
87
    $
102
    $
129,079
    $
129,181
    $
-
    $
151
 
Real estate mortgage – residential
   
1,160
     
538
     
1,698
     
353,606
     
355,304
     
-
     
1,763
 
Real estate mortgage – farmland and other commercial enterprises
   
966
     
948
     
1,914
     
430,407
     
432,321
     
-
     
1,752
 
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
   
62
     
-
     
62
     
63,355
     
63,417
     
-
     
53
 
States and political subdivisions
   
-
     
-
     
-
     
27,209
     
27,209
     
-
     
-
 
Other
   
21
     
-
     
21
     
19,895
     
19,916
     
-
     
-
 
Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Secured
   
-
     
-
     
-
     
4,853
     
4,853
     
-
     
-
 
Unsecured
   
9
     
-
     
9
     
3,053
     
3,062
     
-
     
168
 
Total
  $
2,233
    $
1,573
    $
3,806
    $
1,031,457
    $
1,035,263
    $
-
    $
3,887
 
                                           
December 31, 201
6 (In thousands)
 
30-89
Days
Past Due
   
90 Days
or More
Past Due
   
Total
   
Current
   
Total
Loans
   
Loans Past
Due 90
Days or
More and
Still
Accruing
   
Nonaccrual
Loans
 
Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Real estate mortgage – construction and land development
  $
393
    $
227
    $
620
    $
119,610
    $
120,230
    $
-
    $
712
 
Real estate mortgage – residential
   
1,935
     
798
     
2,733
     
347,562
     
350,295
     
-
     
2,316
 
Real estate mortgage – farmland and other commercial enterprises
   
-
     
2,483
     
2,483
     
397,884
     
400,367
     
-
     
3,383
 
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
   
-
     
-
     
-
     
48,607
     
48,607
     
-
     
-
 
States and political subdivisions
   
-
     
-
     
-
     
18,933
     
18,933
     
-
     
-
 
Other
   
24
     
-
     
24
     
23,284
     
23,308
     
-
     
-
 
Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Secured
   
13
     
-
     
13
     
4,541
     
4,554
     
-
     
4
 
Unsecured
   
30
     
8
     
38
     
4,643
     
4,681
     
-
     
8
 
Total
  $
2,395
    $
3,516
    $
5,911
    $
965,064
    $
970,975
    $
-
    $
6,423
 
Financing Receivable Credit Quality Indicators [Table Text Block]
   
Real Estate
   
Commercial
 
December 31,
2017

(In thousands)
 
Real
Estate
Mortgage –
Construction
and Land
Development
   
Real Estate
Mortgage
Residential
   
Real Estate
Mortgage
Farmland
and Other
Commercial
Enterprises
   
Commercial
and
Industrial
   
States and
Political
Subdivisions
   
Other
 
Credit risk profile by internally
assigned rating grades
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Pass
  $
124,926
    $
330,401
    $
414,663
    $
62,490
    $
27,209
    $
19,898
 
Special Mention
   
396
     
9,196
     
7,556
     
474
     
-
     
18
 
Substandard
   
3,859
     
15,707
     
10,102
     
453
     
-
     
-
 
Doubtful
   
-
     
-
     
-
     
-
     
-
     
-
 
Total
  $
129,181
    $
355,304
    $
432,321
    $
63,417
    $
27,209
    $
19,916
 
   
Real Estate
   
Commercial
 
December 31,
2016
(In thousands)
 
Real Estate
Mortgage
Construction
and Land
Development
   
Real Estate
Mortgage
Residential
   
Real Estate
Mortgage
Farmland
and Other
Commercial
Enterprises
   
Commercial
and
Industrial
   
States and
Political
Subdivisions
   
Other
 
Credit risk profile by internally assigned rating grades
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Pass
  $
112,435
    $
323,300
    $
363,448
    $
47,254
    $
18,933
    $
23,308
 
Special Mention
   
1,413
     
12,147
     
21,088
     
764
     
-
     
-
 
Substandard
   
6,382
     
14,806
     
15,831
     
589
     
-
     
-
 
Doubtful
   
-
     
42
     
-
     
-
     
-
     
-
 
Total
  $
120,230
    $
350,295
    $
400,367
    $
48,607
    $
18,933
    $
23,308
 
Risk Category of Loans by Class-Consumer [Table Text Block]
             
   
December 31,
2017
   
December 31,
2016
 
   
Consumer
   
Consumer
 
(In thousands)
 
Secured
   
Unsecured
   
Secured
   
Unsecured
 
Credit risk profile based on payment activity
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
  $
4,853
    $
2,766
    $
4,550
    $
4,538
 
Nonperforming
   
-
     
296
     
4
     
143
 
Total
  $
4,853
    $
3,062
    $
4,554
    $
4,681
 
Loans to Related Parties Made in Ordinary Course of Business [Member]  
Notes Tables  
Schedule of Related Party Transactions [Table Text Block]
       
(In thousands)
 
Amount
 
Balance at December 31, 201
6
  $
13,499
 
New loans
   
11,549
 
Repayments
   
(5,693
)
Loans no longer meeting disclosure
requirements, new loans meeting disclosure requirements, and other adjustments, net
   
(6,231
)
Balance
at December 31, 2017
  $
13,124