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Note 8 - Loans and Allowance for Loan Losses (Tables)
 6 Months Ended
Jun. 30, 2018
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
(In thousands)
  
June 30,
2018
    
December 31,
2017
  
                 
Real Estate
  
 
 
 
  
 
 
 
Real estate mortgage – construction and land development
   $
128,183
     $
129,181
  
Real estate mortgage – residential
    
350,778
      
355,304
  
Real estate mortgage – farmland and other commercial enterprises
    
457,014
      
432,321
  
Commercial
 
 
 
 
  
 
 
 
Commercial and industrial
    
87,224
      
63,417
  
States and political subdivisions
    
17,686
      
27,209
  
Other
    
16,068
      
19,916
  
Consumer
  
 
 
 
  
 
 
 
Secured
    
4,215
      
4,853
  
Unsecured
    
3,047
      
3,062
  
Total loans
    
1,064,215
      
1,035,263
  
Less unearned income
    
-
      
-
  
Total loans, net of unearned income
   $
1,064,215
     $
1,035,263
  
Allowance for Credit Losses on Financing Receivables [Table Text Block]
(In thousands)
  
Real Estate
    
Commercial
    
Consumer
    
Total
  
Three months ended June 30, 201
8
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Balance, beginning of period
   $
8,601
     $
836
     $
311
     $
9,748
  
Provision for loan losses
    
(148
 )    
296
      
(21
 )    
127
  
Recoveries
    
264
      
17
      
13
      
294
  
Loans charged off
    
(88
 )    
(65
 )    
(15
 )    
(168
 )
Balance, end of period
   $
8,629
     $
1,084
     $
288
     $
10,001
  
                                 
Six months ended June 30, 201
8
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Balance, beginning of period
   $
8,509
     $
951
     $
323
     $
9,783
  
Provision for loan losses
    
(339
 )    
249
      
(44
 )    
(134
 )
Recoveries
    
605
      
37
      
40
      
682
  
Loans charged off
    
(146
 )    
(153
 )    
(31
 )    
(330
 )
Balance, end of period
   $
8,629
     $
1,084
     $
288
     $
10,001
  
(In thousands)
  
Real Estate
    
Commercial
    
Consumer
    
Total
  
Three months ended June 30, 2017
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Balance, beginning of period
   $
8,184
     $
864
     $
459
     $
9,507
  
Provision for loan losses
    
(546
 )    
135
      
(88
 )    
(499
 )
Recoveries
    
398
      
17
      
8
      
423
  
Loans charged off
    
(75
 )    
(116
 )    
(18
 )    
(209
 )
Balance, end of period
   $
7,961
     $
900
     $
361
     $
9,222
  
                                 
Six months ended June 30, 2017
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Balance, beginning of period
   $
8,205
     $
854
     $
285
     $
9,344
  
Provision for loan losses
    
(150
 )    
128
      
103
      
81
  
Recoveries
    
415
      
66
      
19
      
500
  
Loans charged off
    
(509
 )    
(148
 )    
(46
 )    
(703
 )
Balance, end of period
   $
7,961
     $
900
     $
361
     $
9,222
  
Impaired Financing Receivables [Table Text Block]

June 30, 2018 (In thousands)
  
Unpaid
Principal
Balance
    
Recorded
Investment
With No
Allowance
    
Recorded
Investment
With
Allowance
    
Total Recorded Investment
    
Allowance
for
Loan Losses
Allocated
  
Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Real estate mortgage – construction and land development
   $
3,397
     $
1,428
     $
1,594
     $
3,022
     $
323
  
Real estate mortgage – residential
    
9,952
      
3,079
      
6,871
      
9,950
      
2,018
  
Real estate mortgage – farmland and other commercial enterprises
    
8,614
      
2,147
      
6,299
      
8,446
      
295
  
Commercial
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
    
383
      
-
      
383
      
383
      
211
  
Other
    
3
      
-
      
3
      
3
      
3
  
Consumer
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Unsecured
    
285
      
-
      
285
      
285
      
192
  
Total
   $
22,634
     $
6,654
     $
15,435
     $
22,089
     $
3,042
  

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
  
Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Real estate mortgage – construction and land development
   $
4,076
     $
1,746
     $
1,955
     $
3,701
     $
402
  
Real estate mortgage – residential
    
10,112
      
3,233
      
6,877
      
10,110
      
1,973
  
Real estate mortgage – farmland and other commercial enterprises
    
8,737
      
2,203
      
6,367
      
8,570
      
319
  
Commercial
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
    
448
      
-
      
448
      
448
      
270
  
Consumer
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Unsecured
    
312
      
-
      
312
      
312
      
218
  
Total
   $
23,685
     $
7,182
     $
15,959
     $
23,141
     $
3,182
  
Three Months Ended June 30,
  
2018
    
2017
  
(In thousands)
  
Average
    
Interest
Income
Recognized
    
Cash Basis
Interest
Recognized
    
Average
    
Interest
Income
Recognized
    
Cash Basis
Interest
Recognized
  
Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Real estate mortgage – construction and land development
   $
3,463
     $
44
     $
44
     $
4,216
     $
58
     $
58
  
Real estate mortgage – residential
    
10,122
      
137
      
135
      
11,080
      
136
      
134
  
Real estate mortgage – farmland and other commercial enterprises
    
8,835
      
97
      
95
      
24,108
      
296
      
296
  
Commercial
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
    
389
      
5
      
5
      
409
      
4
      
4
  
Other
    
4
      
-
      
-
      
26
      
-
      
-
  
Consumer
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Unsecured
    
306
      
5
      
5
      
325
      
4
      
4
  
Total
   $
23,119
     $
288
     $
284
     $
40,164
     $
498
     $
496
  
Six Months Ended June 30,
  
2018
    
2017
  
(In thousands)
  
Average
    
Interest
Income
Recognized
    
Cash Basis
Interest
Recognized
    
Average
    
Interest
Income
Recognized
    
Cash Basis
Interest
Recognized
  
Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Real estate mortgage – construction and land development
   $
3,539
     $
90
     $
88
     $
5,226
     $
134
     $
133
  
Real estate mortgage – residential
    
10,232
      
273
      
267
      
10,395
      
254
      
251
  
Real estate mortgage – farmland and other commercial enterprises
    
8,861
      
197
      
192
      
24,098
      
598
      
592
  
Commercial
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
    
391
      
10
      
10
      
454
      
11
      
11
  
Other
    
2
      
-
      
-
      
13
      
-
      
-
  
Consumer
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Unsecured
    
313
      
9
      
9
      
330
      
9
      
8
  
Total
   $
23,338
     $
579
     $
566
     $
40,516
     $
1,006
     $
995
  
Loans and ALL Disaggregated Impairment Method [Table Text Block]
June 30, 2018 (In thousands)
  
Real Estate
    
Commercial
    
Consumer
    
Total
  
Allowance for Loan Losses
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Ending allowance balance attributable to loans:
                                
Individually evaluated for impairment
   $
2,636
     $
214
     $
192
     $
3,042
  
Collectively evaluated for impairment
    
5,993
      
870
      
96
      
6,959
  
Total ending allowance balance
   $
8,629
     $
1,084
     $
288
     $
10,001
  
                                 
Loans
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Loans individually evaluated for impairment
   $
21,418
     $
386
     $
285
     $
22,089
  
Loans collectively evaluated for impairment
    
914,557
      
120,592
      
6,977
      
1,042,126
  
Total ending loan balance, net of unearned income
   $
935,975
     $
120,978
     $
7,262
     $
1,064,215
  
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
  
Non-performing Loans Including TDR's [Table Text Block]
 
June 30, 2018 (In thousands)
  
Nonaccrual
    
Restructured
Loans
    
Loans Past
Due 90 Days
or More and
Still Accruing
  
Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Real estate mortgage – construction and land development
   $
149
     $
1,595
     $
-
  
Real estate mortgage – residential
    
1,441
      
5,618
      
-
  
Real estate mortgage – farmland and other commercial enterprises
    
2,355
      
3,660
      
-
  
Commercial
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
    
11
      
367
      
-
  
Consumer
  
 
 
 
  
 
 
 
  
 
 
 
Unsecured
    
146
      
125
      
-
  
Total
   $
4,102
     $
11,365
     $
-
  
 
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
     $
-
  
Past Due Financing Receivables [Table Text Block]
June 30, 2018 (In thousands)
  
30-89
Days Past
Due
    
90 Days
or More
Past Due
    
Total
    
Current
    
Total Loans
  
Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Real estate mortgage – construction and land development
   $
15
     $
87
     $
102
     $
128,081
     $
128,183
  
Real estate mortgage – residential
    
630
      
240
      
870
      
349,908
      
350,778
  
Real estate mortgage – farmland and other commercial enterprises
    
496
      
1,621
      
2,117
      
454,897
      
457,014
  
Commercial
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
    
-
      
-
      
-
      
87,224
      
87,224
  
States and political subdivisions
    
-
      
-
      
-
      
17,686
      
17,686
  
Other
    
-
      
-
      
-
      
16,068
      
16,068
  
Consumer
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Secured
    
-
      
-
      
-
      
4,215
      
4,215
  
Unsecured
    
6
      
-
      
6
      
3,041
      
3,047
  
Total
   $
1,147
     $
1,948
     $
3,095
     $
1,061,120
     $
1,064,215
  
December 31, 2017 (In thousands)
  
30-89
Days Past
Due
    
90 Days
or More
Past Due
    
Total
    
Current
    
Total Loans
  
Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Real estate mortgage – construction and land development
   $
15
     $
87
     $
102
     $
129,079
     $
129,181
  
Real estate mortgage – residential
    
1,160
      
538
      
1,698
      
353,606
      
355,304
  
Real estate mortgage – farmland and other commercial enterprises
    
966
      
948
      
1,914
      
430,407
      
432,321
  
Commercial
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
    
62
      
-
      
62
      
63,355
      
63,417
  
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
  
Total
   $
2,233
     $
1,573
     $
3,806
     $
1,031,457
     $
1,035,263
  
Financing Receivable Credit Quality Indicators [Table Text Block]
   
Real Estate
    
Commercial
  
June 30, 2018
(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
   $
124,342
     $
326,533
     $
440,095
     $
86,390
     $
17,686
     $
16,051
  
Special Mention
    
668
      
8,975
      
6,216
      
448
    
 
-
      
14
  
Substandard
    
3,173
      
15,270
      
10,703
      
386
    
 
-
      
3
  
Doubtful
    
-
      
-
      
-
      
-
    
 
-
    
 
-
  
Total
   $
128,183
     $
350,778
     $
457,014
     $
87,224
     $
17,686
     $
16,068
  
   
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
  
Risk Category of Loans by Class-Consumer [Table Text Block]
   
June 30, 2018
    
December 31, 2017
  
   
Consumer
    
Consumer
  
(In thousands)
  
Secured
    
Unsecured
    
Secured
    
Unsecured
  
Credit risk profile based on payment activity
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Performing
   $
4,215
     $
2,776
     $
4,853
     $
2,766
  
Nonperforming
    
-
      
271
      
-
      
296
  
Total
   $
4,215
     $
3,047
     $
4,853
     $
3,062