Note 5 - Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2014

Note 5 - Loans and Allowance for Loan Losses (Tables) [Line Items]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

December 31,	2014		2013
Commercial:
Commercial and industrial	$	118,845	$	111,339
Construction		23,471		15,929
Secured by commercial real estate		203,534		190,602
Secured by residential real estate		53,077		47,672
State and political subdivisions		44,104		33,773
Loans to depository institutions		-		1,250
Indirect lease financing		7,685		8,364
Retail:
1-4 family residential mortgages		37,147		29,730
Home equity loans and lines		63,213		59,977
Consumer		4,175		3,116
Total loans		555,251		501,752
Net unearned costs (fees)		31		(36	)
Loans receivable	$	555,282	$	501,716

Financing Receivable Credit Quality Indicators [Table Text Block]

December 31, 2014	Pass		Special mention		Substandard		Doubtful		Total
Commercial:
Commercial and industrial	$	111,560	$	42	$	7,243	$	-	$	118,845
Construction		22,981		128		362		-		23,471
Secured by commercial real estate		178,339		2,418		22,777		-		203,534
Secured by residential real estate		50,172		408		2,497		-		53,077
State and political subdivisions		42,771		-		1,333		-		44,104
Loans to depository institutions		-		-		-		-		-
Indirect lease financing		7,543		-		142		-		7,685
	$	413,366	$	2,996	$	34,354	$	-	$	450,716

December 31, 2013	Pass		Special mention		Substandard		Doubtful		Total
Commercial:
Commercial and industrial	$	100,943	$	59	$	10,337	$	-	$	111,339
Construction		13,751		827		1,351		-		15,929
Secured by commercial real estate		163,349		4,199		23,054		-		190,602
Secured by residential real estate		43,854		187		3,631		-		47,672
State and political subdivisions		33,488		-		285		-		33,773
Loans to depository institutions		1,250		-		-		-		1,250
Indirect lease financing		8,199		-		165		-		8,364
	$	364,834	$	5,272	$	38,823	$	-	$	408,929

Past Due Financing Receivables [Table Text Block]

December 31, 2014	30-59 days past due		60-89 days past due		90 days or more past due		Total past due loans		Current		Total loans receivable
Commercial:
Commercial and industrial		-		-		-		-	$	118,845	$	118,845
Construction	$	466		-		-	$	466		23,005		23,471
Secured by commercial real estate		28	$	332	$	3,747		4,107		199,427		203,534
Secured by residential real estate		600		574		-		1,174		51,903		53,077
State and political subdivisions		-		-		-		-		44,104		44,104
Loans to depository institutions		-		-		-		-		-		-
Indirect lease financing		291		-		-		291		7,394		7,685
Retail:
1-4 family residential mortgages		526		-		-		526		36,621		37,147
Home equity loans and lines		66		49		-		115		63,098		63,213
Consumer		16		8		-		24		4,151		4,175
	$	1,993	$	963	$	3,747	$	6,703	$	548,548	$	555,251

December 31, 2013	30-59 days past due		60-89 days past due		90 days or more past due		Total past due loans		Current		Total loans receivable
Commercial:
Commercial and industrial	$	112		-	$	17	$	129	$	111,210	$	111,339
Construction		-		-		-		-		15,929		15,929
Secured by commercial real estate		1,126	$	361		255		1,742		188,860		190,602
Secured by residential real estate		1,242		98		105		1,445		46,227		47,672
State and political subdivisions		65		65		-		130		33,643		33,773
Loans to depository institutions		-		-		-		-		1,250		1,250
Indirect lease financing		311		152		-		463		7,901		8,364
Retail:
1-4 family residential mortgages		752		5		270		1,027		28,703		29,730
Home equity loans and lines		295		2		106		403		59,574		59,977
Consumer		25		5		17		47		3,069		3,116
	$	3,928	$	688	$	770	$	5,386	$	496,366	$	501,752

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

December 31, 2014	90 days or more past due (still accruing)		Non-accrual
Commercial:
Commercial and industrial	$	-	$	2,171
Construction		-		337
Secured by commercial real estate		-		6,465
Secured by residential real estate		-		1,467
State and political subdivisions		-		-
Loans to depository institutions		-		-
Indirect lease financing		-		-
Retail:
1-4 family residential mortgages		-		225
Home equity loans and lines		-		104
Consumer		-		1
	$	-	$	10,770

December 31, 2013	90 days or more past due (still accruing)		Non-accrual
Commercial:
Commercial and industrial		-	$	3,956
Construction		-		1,319
Secured by commercial real estate		-		4,630
Secured by residential real estate		-		2,829
State and political subdivisions		-		-
Loans to depository institutions		-		-
Indirect lease financing		-		37
Retail:
1-4 family residential mortgages		-		401
Home equity loans and lines		-		265
Consumer	$	1		16
	$	1	$	13,453

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

Year ended December 31, 2014	Balance, beginning of year		Provision for (credit to) loan losses			Charge-offs			Recoveries		Balance, end of year
Commercial:
Commercial and industrial	$	2,044	$	(202	)	$	(17	)	$	67	$	1,892
Construction		439		(142	)		-			-		297
Secured by commercial real estate		2,898		(131	)		(70	)		3		2,700
Secured by residential real estate		1,632		1,019			(1,069	)		48		1,630
State and political subdivisions		186		35			-			-		221
Loans to depository institutions		4		(4	)		-			-		-
Indirect lease financing		103		15			(39	)		14		93
Retail:
1-4 family residential mortgages		303		103			(95	)		1		312
Home equity loans and lines		583		(84	)		(156	)		110		453
Consumer		64		142			(167	)		46		85
Unallocated		669		(351	)	N/A			N/A			318
	$	8,925	$	400		$	(1,613	)	$	289	$	8,001

Year ended December 31, 2013	Balance, beginning of year		Provision for (credit to) loan losses			Charge-offs			Recoveries		Balance, end of year
Commercial:
Commercial and industrial	$	2,505	$	(421	)	$	(68	)	$	28	$	2,044
Construction		209		230			-			-		439
Secured by commercial real estate		3,795		(259	)		(639	)		1		2,898
Secured by residential real estate		1,230		743			(401	)		60		1,632
State and political subdivisions		260		(75	)		-			1		186
Loans to depository institutions		15		(11	)		-			-		4
Indirect lease financing		168		(93	)		(2	)		30		103
Retail:
1-4 family residential mortgages		324		(21	)		-			-		303
Home equity loans and lines		582		207			(234	)		28		583
Consumer		27		88			(77	)		26		64
Unallocated		657		12		N/A			N/A			669
	$	9,772	$	400		$	(1,421	)	$	174	$	8,925

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

Year ended December 31,	2014						2013
	Number of contracts		Pre- modification outstanding recorded investment		Post- modification outstanding recorded investment		Number of contracts		Pre- modification outstanding recorded investment		Post- modification outstanding recorded investment
Commercial:
Commercial and industrial		-		-		-		1	$	757	$	757
Construction		-		-		-		2		1,319		1,319
Secured by commercial real estate		-		-		-		1		1,822		1,805
Secured by residential real estate		-		-		-		12		690		676
Retail:
Home equity loans and lines		1	$	25	$	25		-		-		-
		1	$	25	$	25		16	$	4,588	$	4,557

Troubled Debt Restructurings Subsequently Defaulted [Table Text Block]

Year ended December 31,	2014				2013
TDRs Subsequently Defaulted	Number of contracts		Recorded investment		Number of contracts		Recorded investment
Commercial:
Secured by residential real estate		-	$	-		6	$	361
		-	$	-		6	$	361

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]

	Allowance for Loan Losses						Loans Receivable
December 31, 2014	Balance		Balance related to loans individually evaluated for impairment		Balance related to loans collectively evaluated for impairment		Balance		Balance individually evaluated for impairment		Balance collectively evaluated for impairment
Commercial:
Commercial and industrial	$	1,892	$	1,095	$	797	$	118,845	$	7,115	$	111,730
Construction		297		-		297		23,471		362		23,109
Secured by commercial real estate		2,700		-		2,700		203,534		11,546		191,988
Secured by residential real estate		1,630		91		1,539		53,077		1,567		51,510
State and political subdivisions		221		-		221		44,104		-		44,104
Loans to depository institutions		-		-		-		-		-		-
Indirect lease financing		93		-		93		7,685		16		7,669
Retail:
1-4 family residential mortgages		312		4		308		37,147		341		36,806
Home equity loans and lines		453		4		449		63,213		129		63,084
Consumer		85		-		85		4,175		1		4,174
Unallocated		318	N/A		N/A		N/A		N/A		N/A
	$	8,001	$	1,194	$	6,489	$	555,251	$	21,077	$	534,174

	Allowance for Loan Losses						Loans Receivable
December 31, 2013	Balance		Balance related to loans individually evaluated for impairment		Balance related to loans collectively evaluated for impairment		Balance		Balance individually evaluated for impairment		Balance collectively evaluated for impairment
Commercial:
Commercial and industrial	$	2,044	$	1,106	$	938	$	111,339	$	10,304	$	101,035
Construction		439		121		318		15,929		1,351		14,578
Secured by commercial real estate		2,898		9		2,889		190,602		12,288		178,314
Secured by residential real estate		1,632		639		993		47,672		2,833		44,839
State and political subdivisions		186		-		186		33,773		-		33,773
Loans to depository institutions		4		-		4		1,250		-		1,250
Indirect lease financing		103		3		100		8,364		37		8,327
Retail:
1-4 family residential mortgages		303		63		240		29,730		522		29,208
Home equity loans and lines		583		70		513		59,977		266		59,711
Consumer		64		11		53		3,116		16		3,100
Unallocated		669	N/A		N/A		N/A		N/A		N/A
	$	8,925	$	2,022	$	6,234	$	501,752	$	27,617	$	474,135

Impaired Financing Receivables [Table Text Block]

December 31, 2014	Recorded investment (after charge-offs)		Unpaid principal balance		Related allowance		Average recorded investment		Interest income recognized
With no specific allowance recorded:
Commercial:
Commercial and industrial	$	5,894	$	6,056	$	-
Construction		362		444		-
Secured by commercial real estate		11,546		12,198		-
Secured by residential real estate		903		1,427		-
State and political subdivisions		-		-		-
Loans to depository institutions		-		-		-
Indirect lease financing		16		16		-
Retail:
1-4 family residential mortgages		225		250		-
Home equity loans and lines		72		93		-
Consumer		1		1		-
	$	19,019	$	20,485	$	-
With an allowance recorded:
Commercial:
Commercial and industrial	$	1,221	$	1,419	$	1,095
Construction		-		-		-
Secured by commercial real estate		-		-		-
Secured by residential real estate		664		748		91
State and political subdivisions		-		-		-
Loans to depository institutions		-		-		-
Indirect lease financing		-		-		-
Retail:
1-4 family residential mortgages		116		116		4
Home equity loans and lines		57		76		4
Consumer		-		-		-
	$	2,058	$	2,359	$	1,194
Total:
Commercial:
Commercial and industrial	$	7,115	$	7,475	$	1,095	$	9,305	$	331
Construction		362		444		-		1,050		2
Secured by commercial real estate		11,546		12,198		-		12,304		344
Secured by residential real estate		1,567		2,175		91		2,452		-
State and political subdivisions		-		-		-		-		-
Loans to depository institutions		-		-		-		-		-
Indirect lease financing		16		16		-		26		1
Retail:
1-4 family residential mortgages		341		366		4		460		5
Home equity loans and lines		129		169		4		169		-
Consumer		1		1		-		2		-
	$	21,077	$	22,844	$	1,194	$	25,768	$	683

December 31, 2013	Recorded investment (after charge-offs)		Unpaid principal balance		Related allowance		Average recorded investment		Interest income recognized
With no specific allowance recorded:
Commercial:
Commercial and industrial	$	8,222	$	8,417	$	-
Construction		916		1,140		-
Secured by commercial real estate		12,251		12,568		-
Secured by residential real estate		728		839		-
State and political subdivisions		-		-		-
Loans to depository institutions		-		-		-
Indirect lease financing		13		16		-
Retail:
1-4 family residential mortgages		250		274		-
Home equity loans and lines		135		150		-
Consumer		-		-		-
	$	22,515	$	23,404	$	-
With an allowance recorded:
Commercial:
Commercial and industrial	$	2,082	$	2,350	$	1,106
Construction		435		493		121
Secured by commercial real estate		37		37		9
Secured by residential real estate		2,105		2,248		639
State and political subdivisions		-		-		-
Loans to depository institutions		-		-		-
Indirect lease financing		24		27		3
Retail:
1-4 family residential mortgages		272		284		63
Home equity loans and lines		131		154		70
Consumer		16		16		11
	$	5,102	$	5,609	$	2,022
Total:
Commercial:
Commercial and industrial	$	10,304	$	10,767	$	1,106	$	6,732	$	34
Construction		1,351		1,633		121		3,179		46
Secured by commercial real estate		12,288		12,605		9		13,765		399
Secured by residential real estate		2,833		3,087		639		3,090		23
State and political subdivisions		-		-		-		1,636		53
Loans to depository institutions		-		-		-		-		-
Indirect lease financing		37		43		3		63		-
Retail:
1-4 family residential mortgages		522		558		63		495		5
Home equity loans and lines		266		304		70		293		-
Consumer		16		16		11		1		-
	$	27,617	$	29,013	$	2,022	$	29,254	$	560

Troubled Debt Restructuring [Member]

Note 5 - Loans and Allowance for Loan Losses (Tables) [Line Items]

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

December 31,	2014				2013
	Recorded investment (balance)		Related allowance		Recorded investment (balance)		Related allowance
TDRs with no specific allowance recorded	$	4,588		-	$	5,647		-
TDRs with an allowance recorded		999	$	813		2,914	$	1,395
	$	5,587	$	813	$	8,561	$	1,395

Total Retail Loans [Member]

Note 5 - Loans and Allowance for Loan Losses (Tables) [Line Items]

Financing Receivable Credit Quality Indicators [Table Text Block]

December 31, 2014	Performing		Non-performing		Total
Retail:
1-4 family residential mortgages	$	36,922	$	225	$	37,147
Home equity loans and lines		63,109		104		63,213
Consumer		4,174		1		4,175
	$	104,205	$	330	$	104,535

December 31, 2013	Performing		Non-performing		Total
Retail:
1-4 family residential mortgages	$	29,329	$	401	$	29,730
Home equity loans and lines		59,712		265		59,977
Consumer		3,099		17		3,116
	$	92,140	$	683	$	92,823