Note 6 - Loans Receivable and Allowances for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2016

Disclosure Text Block Supplement [Abstract]

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

(dollars in thousands)	March 31, 2016			December 31, 2015
Commercial real estate	$	358,740		$	349,726
Construction and land development		45,815			46,547
Commercial and industrial		181,828			181,850
Owner occupied real estate		261,215			246,398
Consumer and other		49,552			48,126
Residential mortgage		2,353			2,380
Total loans receivable		899,503			875,027
Deferred costs (fees)		(386	)		(258	)
Allowance for loan losses		(9,029	)		(8,703	)
Net loans receivable	$	890,088		$	866,066

Impaired Financing Receivables [Table Text Block]

	March 31, 2016						December 31, 2015
(dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Commercial real estate	$	11,487	$	11,525	$	-	$	11,692	$	11,730	$	-
Construction and land development		117		2,208		-		117		2,208		-
Commercial and industrial		1,616		2,740		-		2,381		3,683		-
Owner occupied real estate		458		458		-		507		507		-
Consumer and other		857		1,149		-		800		1,084		-
Total	$	14,535	$	18,080	$	-	$	15,497	$	19,212	$	-

With an allowance recorded:
Commercial real estate	$	505	$	505	$	77	$	511	$	511	$	47
Construction and land development		-		-		-		-		-		-
Commercial and industrial		3,109		5,776		1,614		3,112		5,779		1,111
Owner occupied real estate		2,798		2,811		1,056		2,862		2,876		1,059
Consumer and other		278		278		81		147		147		21
Total	$	6,690	$	9,370	$	2,828	$	6,632	$	9,313	$	2,238

Total:
Commercial real estate	$	11,993	$	12,030	$	77	$	12,203	$	12,241	$	47
Construction and land development		117		2,208		-		117		2,208		-
Commercial and industrial		4,724		8,516		1,614		5,493		9,462		1,111
Owner occupied real estate		3,256		3,269		1,056		3,369		3,383		1,059
Consumer and other		1,135		1,427		81		947		1,231		21
Total	$	21,225	$	27,450	$	2,828	$	22,129	$	28,525	$	2,238

	Three Months Ended March 31,
	2016				2015
(dollars in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial real estate	$	11,589	$	65	$	11,864	$	162
Construction and land development		117		-		108		-
Commercial and industrial		1,998		10		3,854		21
Owner occupied real estate		483		1		701		1
Consumer and other		829		3		501		1
Total	$	15,016	$	79	$	17,028	$	185

With an allowance recorded:
Commercial real estate	$	508	$	8	$	13,066	$	-
Construction and land development		-		-		158		-
Commercial and industrial		3,110		19		1,508		-
Owner occupied real estate		2,830		6		4,209		33
Consumer and other		213		2		-		-
Total	$	6,661	$	35	$	18,941	$	33

Total:
Commercial real estate	$	12,097	$	73	$	24,930	$	162
Construction and land development		117		-		266		-
Commercial and industrial		5,108		29		5,362		21
Owner occupied real estate		3,313		7		4,910		34
Consumer and other		1,042		5		501		1
Total	$	21,677	$	114	$	35,969	$	218

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

(dollars in thousands)	Commercial Real Estate			Construction and Land Development			Commercial and Industrial			Owner Occupied Real Estate			Consumer and Other			Residential Mortgage			Unallocated		Total
Three months ended March 31, 2016
Allowance for loan losses:
Beginning balance:	$	2,393		$	338		$	2,932		$	2,030		$	295		$	14		$	701	$	8,703
Charge-offs		-			-			(18	)		(28	)		-			-			-		(46	)
Recoveries		-			-			72			-			-			-			-		72
Provisions (credits)		(348	)		76			(44	)		89			17			(3	)		513		300
Ending balance	$	2,045		$	414		$	2,942		$	2,091		$	312		$	11		$	1,214	$	9,029
Three months ended March 31, 2015
Allowance for loan losses:
Beginning balance:	$	6,828		$	917		$	1,579		$	1,638		$	234		$	2		$	338	$	11,536
Charge-offs		(231	)		(222	)		(169	)		(55	)		-			-			-		(677	)
Recoveries		4			5			45			-			31			-			-		85
Provisions (credits)		(338	)		(445	)		469			(5	)		(35	)		-			354		-
Ending balance	$	6,263		$	255		$	1,924		$	1,578		$	230		$	2		$	692	$	10,944

(dollars in thousands)	Commercial Real Estate		Construction and Land Development		Commercial and Industrial		Owner Occupied Real Estate		Consumer and Other		Residential Mortgage		Unallocated		Total
March 31, 2016
Allowance for loan losses:
Individually evaluated for impairment	$	77	$	-	$	1,614	$	1,056	$	81	$	-	$	-	$	2,828
Collectively evaluated for impairment		1,968		414		1,328		1,035		231		11		1,214		6,201
Total allowance for loan losses	$	2,045	$	414	$	2,942	$	2,091	$	312	$	11	$	1,214	$	9,029
Loans receivable:
Loans evaluated individually	$	11,993	$	117	$	4,724	$	3,256	$	1,135	$	-	$	-	$	21,225
Loans evaluated collectively		346,747		45,698		177,104		257,959		48,417		2,353		-		878,278
Total loans receivable	$	358,740	$	45,815	$	181,828	$	261,215	$	49,552	$	2,353	$	-	$	899,503

(dollars in thousands)	Commercial Real Estate		Construction and Land Development		Commercial and Industrial		Owner Occupied Real Estate		Consumer and Other		Residential Mortgage		Unallocated		Total
December 31, 2015
Allowance for loan losses:
Individually evaluated for impairment	$	47	$	-	$	1,111	$	1,059	$	21	$	-	$	-	$	2,238
Collectively evaluated for impairment		2,346		338		1,821		971		274		14		701		6,465
Total allowance for loan losses	$	2,393	$	338	$	2,932	$	2,030	$	295	$	14	$	701	$	8,703
Loans receivable:
Loans evaluated individually	$	12,203	$	117	$	5,493	$	3,369	$	947	$	-	$	-	$	22,129
Loans evaluated collectively		337,523		46,430		176,357		243,029		47,179		2,380		-		852,898
Total loans receivable	$	349,726	$	46,547	$	181,850	$	246,398	$	48,126	$	2,380	$	-	$	875,027

Past Due Financing Receivables [Table Text Block]

(dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Total Loans Receivable		Loans Receivable > 90 Days and Accruing
At March 31, 2016
Commercial real estate	$	348	$	17	$	12,386	$	12,751	$	345,989	$	358,740	$	6,650
Construction and land development		-		-		117		117		45,698		45,815		-
Commercial and industrial		2,624		-		2,690		5,314		176,514		181,828		242
Owner occupied real estate		986		-		3,620		4,606		256,609		261,215		834
Consumer and other		555		-		1,043		1,598		47,954		49,552		311
Residential mortgage		-		-		-		-		2,353		2,353		-
Total	$	4,513	$	17	$	19,856	$	24,386	$	875,117	$	899,503	$	8,037

(dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Total Loans Receivable		Loans Receivable > 90 Days and Accruing
At December 31, 2015
Commercial real estate	$	-	$	7,657	$	5,913	$	13,570	$	336,156	$	349,726	$	-
Construction and land development		-		-		117		117		46,430		46,547		-
Commercial and industrial		1,661		997		3,156		5,814		176,036		181,850		-
Owner occupied real estate		800		469		2,894		4,163		242,235		246,398		-
Consumer and other		285		192		542		1,019		47,107		48,126		-
Residential mortgage		132		-		-		132		2,248		2,380		-
Total	$	2,878	$	9,315	$	12,622	$	24,815	$	850,212	$	875,027	$	-

Financing Receivable Credit Quality Indicators [Table Text Block]

(dollars in thousands)	Pass		Special Mention		Substandard		Doubtful		Total
At March 31, 2016:
Commercial real estate	$	338,845	$	7,902	$	11,993	$	-	$	358,740
Construction and land development		45,698		-		117		-		45,815
Commercial and industrial		176,889		215		3,295		1,429		181,828
Owner occupied real estate		257,492		467		3,256		-		261,215
Consumer and other		48,342		75		1,135		-		49,552
Residential mortgage		2,353		-		-		-		2,353
Total	$	869,619	$	8,659	$	19,796	$	1,429	$	899,503

(dollars in thousands)	Pass		Special Mention		Substandard		Doubtful		Total
At December 31, 2015:
Commercial real estate	$	329,567	$	7,956	$	12,203	$	-	$	349,726
Construction and land development		46,430		-		117		-		46,547
Commercial and industrial		176,132		225		4,064		1,429		181,850
Owner occupied real estate		242,560		469		3,369		-		246,398
Consumer and other		47,104		75		947		-		48,126
Residential mortgage		2,380		-		-		-		2,380
Total	$	844,173	$	8,725	$	20,700	$	1,429	$	875,027

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

(dollars in thousands)	March 31, 2016		December 31, 2015
Commercial real estate	$	5,736	$	5,913
Construction and land development		117		117
Commercial and industrial		2,448		3,156
Owner occupied real estate		2,786		2,894
Consumer and other		732		542
Residential mortgage		-		-
Total	$	11,819	$	12,622

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

(dollars in thousands)	Number of Loans		Accrual Status		Non-Accrual Status		Total TDRs
March 31, 2016
Commercial real estate		1	$	5,751	$	-	$	5,751
Construction and land development		-		-		-		-
Commercial and industrial		2		250		349		599
Owner occupied real estate		1		-		1,825		1,825
Consumer and other		-		-		-		-
Residential mortgage		-		-		-		-
Total		4	$	6,001	$	2,174	$	8,175
December 31, 2015
Commercial real estate		1	$	5,778	$	-	$	5,778
Construction and land development		-		-		-		-
Commercial and industrial		2		252		935		1,187
Owner occupied real estate		1		-		1,825		1,825
Consumer and other		-		-		-		-
Residential mortgage		-		-		-		-
Total		4	$	6,030	$	2,760	$	8,790