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

6 Months Ended

Jun. 30, 2016

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

(dollars in thousands)	June 30, 2016			December 31, 2015

Commercial real estate	$	369,784		$	349,726
Construction and land development		40,462			46,547
Commercial and industrial		199,149			181,850
Owner occupied real estate		265,245			246,398
Consumer and other		53,213			48,126
Residential mortgage		2,338			2,380
Total loans receivable		930,191			875,027
Deferred costs (fees)		(437	)		(258	)
Allowance for loan losses		(8,761	)		(8,703	)
Net loans receivable	$	920,993		$	866,066

Impaired Financing Receivables [Table Text Block]

	June 3 0 , 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	$	12,333	$	12,334	$	-	$	11,692	$	11,730	$	-
Construction and land development		56		2,050		-		117		2,208		-
Commercial and industrial		1,675		2,804		-		2,381		3,683		-
Owner occupied real estate		950		963		-		507		507		-
Consumer and other		856		1,156		-		800		1,084		-
Total	$	15,870	$	19,307	$	-	$	15,497	$	19,212	$	-

With an allowance recorded:
Commercial real estate	$	7,193	$	7,194	$	1,317	$	511	$	511	$	47
Construction and land development		4		101		4		-		-		-
Commercial and industrial		3,618		6,285		1,677		3,112		5,779		1,111
Owner occupied real estate		1,298		1,298		304		2,862		2,876		1,059
Consumer and other		292		292		79		147		147		21
Total	$	12,405	$	15,170	$	3,381	$	6,632	$	9,313	$	2,238

Total:
Commercial real estate	$	19,526	$	19,528	$	1,317	$	12,203	$	12,241	$	47
Construction and land development		60		2,151		4		117		2,208		-
Commercial and industrial		5,293		9,089		1,677		5,493		9,462		1,111
Owner occupied real estate		2,248		2,261		304		3,369		3,383		1,059
Consumer and other		1,148		1,448		79		947		1,231		21
Total	$	28,275	$	34,477	$	3,381	$	22,129	$	28,525	$	2,238

Impaired Financing Receivables, Average Recorded Investment and Interest Income, Accrual Method [Table Text Block]

	Three Months Ended June 30,
	201 6				201 5
(dollars in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial real estate	$	12,085	$	67	$	13,432	$	(21	)
Construction and land development		77		-		248		1
Commercial and industrial		1,782		11		3,992		27
Owner occupied real estate		793		2		957		3
Consumer and other		847		3		713		3
Total	$	15,584	$	83	$	19,342	$	13

With an allowance recorded:
Commercial real estate	$	4,966	$	16	$	4,864	$	3
Construction and land development		2		-		116		-
Commercial and industrial		3,450		19		2,084		-
Owner occupied real estate		1,808		8		4,009		30
Consumer and other		265		3		-		-
Total	$	10,491	$	46	$	11,073	$	33

Total:
Commercial real estate	$	17,051	$	83	$	18,296	$	(18	)
Construction and land development		79		-		364		1
Commercial and industrial		5,232		30		6,076		27
Owner occupied real estate		2,601		10		4,966		33
Consumer and other		1,112		6		713		3
Total	$	26,075	$	129	$	30,415	$	46

	Six Months Ended June 30,
	201 6				201 5
(dollars in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial real estate	$	11,837	$	132	$	12,648	$	141
Construction and land development		97		-		178		1
Commercial and industrial		1,890		21		3,923		48
Owner occupied real estate		638		3		829		4
Consumer and other		838		6		607		4
Total	$	15,300	$	162	$	18,185	$	198

With an allowance recorded:
Commercial real estate	$	2,737	$	24	$	8,965	$	3
Construction and land development		1		-		137		-
Commercial and industrial		3,280		38		1,796		-
Owner occupied real estate		2,319		14		4,109		63
Consumer and other		239		5		-		-
Total	$	8,576	$	81	$	15,007	$	66

Total:
Commercial real estate	$	14,574	$	156	$	21,613	$	144
Construction and land development		98		-		315		1
Commercial and industrial		5,170		59		5,719		48
Owner occupied real estate		2,957		17		4,938		67
Consumer and other		1,077		11		607		4
Total	$	23,876	$	243	$	33,192	$	264

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 June 30, 201 6
Allowance for loan losses:

Beginning balance:	$	2,045		$	414		$	2,942		$	2,091		$	312	$	11	$	1,214		$	9,029
Charge-offs		-			-			-			(926	)		-		-		-			(926	)
Recoveries		6			-			2			-			-		-		-			8
Provisions (credits)		1,242			(49	)		192			201			12		-		(948	)		650
Ending balance	$	3,293		$	365		$	3,136		$	1,366		$	324	$	11	$	266		$	8,761

Three months ended June 30, 201 5
Allowance for loan losses:
Beginning balance:	$	6,263		$	255		$	1,924		$	1,578		$	230	$	2	$	692		$	10,944
Charge-offs		(2,524	)		-			(24	)		-			-		-		-			(2,548	)
Recoveries		-			-			1			-			1		-		-			2
Provisions (credits)		(1,032	)		56			922			209			20		-		(175	)		-
Ending balance	$	2,707		$	311		$	2,823		$	1,787		$	251	$	2	$	517		$	8,398

(dollars in thousands)	Commercial Real Estate			Construction and Land Development			Commercial and Industrial			Owner Occupied Real Estate			Consumer and Other			Residential Mortgage			Unallocated			Total

Six months ended June 30, 201 6
Allowance for loan losses:

Beginning balance:	$	2,393		$	338		$	2,932		$	2,030		$	295		$	14		$	701		$	8,703
Charge-offs		-			-			(18	)		(954	)		-			-			-			(972	)
Recoveries		6			-			74			-			-			-			-			80
Provisions (credits)		894			27			148			290			29			(3	)		(435	)		950
Ending balance	$	3,293		$	365		$	3,136		$	1,366		$	324		$	11		$	266		$	8,761

Six months ended June 30, 201 5
Allowance for loan losses:

Beginning balance:	$	6,828		$	917		$	1,579		$	1,638		$	234		$	2		$	338		$	11,536
Charge-offs		(2,623	)		(222	)		(325	)		(55	)		-			-			-			(3,225	)
Recoveries		4			5			46			-			32			-			-			87
Provisions (credits)		(1,502	)		(389	)		1,523			204			(15	)		-			179			-
Ending balance	$	2,707		$	311		$	2,823		$	1,787		$	251		$	2		$	517		$	8,398

(dollars in thousands)	Commercial Real Estate		Construction and Land Development		Commercial and Industrial		Owner Occupied Real Estate		Consumer and Other		Residential Mortgage		Unallocated		Total

June 30, 201 6
Allowance for loan losses:

Individually evaluated for impairment	$	1,317	$	4	$	1,677	$	304	$	79	$	-	$	-	$	3,381
Collectively evaluated for impairment		1,976		361		1,459		1,062		245		11		266		5,380
Total allowance for loan losses	$	3,293	$	365	$	3,136	$	1,366	$	324	$	11	$	266	$	8,761

Loans receivable:
Loans evaluated individually	$	19,526	$	60	$	5,293	$	2,248	$	1,148	$	-	$	-	$	28,275
Loans evaluated collectively		350,258		40,402		193,856		262,997		52,065		2,338		-		901,916
Total loans receivable	$	369,784	$	40,462	$	199,149	$	265,245	$	53,213	$	2,338	$	-	$	930,191

(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, 201 5
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 June 30 , 201 6
Commercial real estate	$	-	$	15	$	13,303	$	13,318	$	356,466	$	369,784	$	-
Construction and land development		-		-		60		60		40,402		40,462		-
Commercial and industrial		-		663		3,154		3,817		195,332		199,149		-
Owner occupied real estate		-		46		1,582		1,628		263,617		265,245		-
Consumer and other		-		384		743		1,127		52,086		53,213		-
Residential mortgage		-		-		-		-		2,338		2,338		-
Total	$	-	$	1,108	$	18,842	$	19,950	$	910,241	$	930,191	$	-

(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, 201 5
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 June 30, 2 016 :
Commercial real estate	$	355,084	$	898	$	13,802	$	-	$	369,784
Construction and land development		40,402		-		60		-		40,462
Commercial and industrial		193,796		60		3,864		1,429		199,149
Owner occupied real estate		262,997		-		2,248		-		265,245
Consumer and other		52,065		-		1,148		-		53,213
Residential mortgage		2,338		-		-		-		2,338
Total	$	906,682	$	958	$	21,122	$	1,429	$	930,191

(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)		June 30, 2016		December 31, 201 5
Commercial real estate	$	13,303	$	5,913
Construction and land development		60		117
Commercial and industrial		3,154		3,156
Owner occupied real estate		1,582		2,894
Consumer and other		743		542
Residential mortgage		-		-
Total	$	18,842	$	12,622

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

(dollars in thousands)	Number of Loans		Accrual Status		Non-Accrual Status		Total TDRs
June 30, 201 6
Commercial real estate		1	$	5,724	$	-	$	5,724
Construction and land development		-		-		-		-
Commercial and industrial		2		240		349		589
Owner occupied real estate		-		-		-		-
Consumer and other		-		-		-		-
Residential mortgage		-		-		-		-
Total		3	$	5,964	$	349	$	6,313

December 31, 201 5
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