Note 3 - Loans Receivable and Related Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2018

Notes Tables

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

	December 31,		December 31,
(Dollar amounts in thousands)	2018		2017
Mortgage loans on real estate:
Residential first mortgages	$	295,405	$	221,823
Home equity loans and lines of credit		103,752		99,940
Commercial real estate		238,734		193,068
Total		637,891		514,831
Other loans:
Commercial business		66,009		58,941
Consumer		11,272		9,589
Total		77,281		68,530
Total loans, gross		715,172		583,361
Less allowance for loan losses		6,508		6,127
Total loans, net	$	708,664	$	577,234

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

(Dollar amounts in thousands)	2018			2017
Balance at the beginning of the year	$	6,127		$	5,545
Provision for loan losses		1,280			903
Charge-offs		(989	)		(366	)
Recoveries		90			45
Balance at the end of the year	$	6,508		$	6,127

				Home Equity
	Residential			& Lines			Commercial			Commercial
(Dollar amounts in thousands)	Mortgages			of Credit			Real Estate			Business			Consumer			Total
December 31, 2018:
Beginning Balance	$	2,090		$	646		$	2,753		$	585		$	53		$	6,127
Charge-offs		(71	)		(155	)		(484	)		-			(279	)		(989	)
Recoveries		3			14			48			1			24			90
Provision		176			143			789			(86	)		258			1,280
Ending Balance	$	2,198		$	648		$	3,106		$	500		$	56		$	6,508
Ending ALL balance attributable to loans:
Individually evaluated for impairment	$	12		$	-		$	-		$	-		$	-		$	12
Acquired loans		-			-			-			-			-			-
Collectively evaluated for impairment		2,186			648			3,106			500			56			6,496
Total	$	2,198		$	648		$	3,106		$	500		$	56		$	6,508
Total loans:
Individually evaluated for impairment	$	389		$	6		$	34		$	39		$	-		$	468
Acquired loans		72,654			13,750			56,690			12,974			3,306			159,374
Collectively evaluated for impairment		222,362			89,996			182,010			52,996			7,966			555,330
Total	$	295,405		$	103,752		$	238,734		$	66,009		$	11,272		$	715,172
At December 31, 2017:
Beginning Balance	$	1,846		$	633		$	2,314		$	700		$	52		$	5,545
Charge-offs		(40	)		(114	)		(127	)		(14	)		(71	)		(366	)
Recoveries		-			23			8			2			12			45
Provision		284			104			558			(103	)		60			903
Ending Balance	$	2,090		$	646		$	2,753		$	585		$	53		$	6,127
Ending ALL balance attributable to loans:
Individually evaluated for impairment	$	7		$	-		$	-		$	-		$	-		$	7
Acquired loans		-			-			-			-			-			-
Collectively evaluated for impairment		2,083			646			2,753			585			53			6,120
Total	$	2,090		$	646		$	2,753		$	585		$	53		$	6,127
Total loans:
Individually evaluated for impairment	$	425		$	8		$	914		$	569		$	-		$	1,916
Acquired loans		20,300			10,873			27,404			1,451			2,893			62,921
Collectively evaluated for impairment		201,098			89,059			164,750			56,921			6,696			518,524
Total	$	221,823		$	99,940		$	193,068		$	58,941		$	9,589		$	583,361

Impaired Financing Receivables [Table Text Block]

	Impaired Loans with Specific Allowance
							For the year ended
	As of December 31, 2018						December 31, 2018
									Interest		Cash Basis
	Unpaid						Average		Income		Interest
	Principal		Recorded		Related		Recorded		Recognized		Recognized
	Balance		Investment		Allowance		Investment		in Period		in Period
Residential first mortgages	$	74	$	74	$	12	$	74	$	2	$	2
Home equity and lines of credit		6		6		-		7		-		-
Commercial real estate		-		-		-		-		-		-
Commercial business		-		-		-		-		-		-
Consumer		-		-		-		-		-		-
Total	$	80	$	80	$	12	$	81	$	2	$	2

	Impaired Loans with No Specific Allowance
					For the year ended
	As of December 31, 2018				December 31, 2018
							Interest		Cash Basis
	Unpaid				Average		Income		Interest
	Principal		Recorded		Recorded		Recognized		Recognized
	Balance		Investment		Investment		in Period		in Period
Residential first mortgages	$	427	$	315	$	334	$	5	$	5
Home equity and lines of credit		-		-		-		-		-
Commercial real estate		34		34		768		156		73
Commercial business		39		39		248		74		74
Consumer		-		-		-		-		-
Total	$	500	$	388	$	1,350	$	235	$	152

	Impaired Loans with Specific Allowance
							For the year ended
	As of December 31, 2017						December 31, 2017
										Interest		Cash Basis
	Unpaid						Average		Income		Interest
	Principal		Recorded		Related		Recorded		Recognized		Recognized
	Balance		Investment		Allowance		Investment		in Period		in Period
Residential first mortgages	$	75	$	75	$	7	$	88	$	3	$	3
Home equity and lines of credit		8		8		-		2		-		-
Commercial real estate		-		-		-		111		-		-
Commercial business		-		-		-		118		-		-
Consumer		-		-		-		-		-		-
Total	$	83	$	83	$	7	$	319	$	3	$	3

	Impaired Loans with No Specific Allowance
					For the year ended
	As of December 31, 2017				December 31, 2017
								Interest		Cash Basis
	Unpaid				Average		Income		Interest
	Principal		Recorded		Recorded		Recognized		Recognized
	Balance		Investment		Investment		in Period		in Period
Residential first mortgages	$	461	$	350	$	289	$	8	$	8
Home equity and lines of credit		-		-		-		-		-
Commercial real estate		1,089		914		855		3		3
Commercial business		569		569		498		3		3
Consumer		-		-		-		-		-
Total	$	2,119	$	1,833	$	1,642	$	14	$	14

Financing Receivable Credit Quality Indicators [Table Text Block]

					Special
	Not Rated		Pass		Mention		Substandard		Doubtful		Total
December 31, 2018:
Residential first mortgages	$	293,919	$	-	$	-	$	1,486	$	-	$	295,405
Home equity and lines of credit		102,869		-		-		883		-		103,752
Commercial real estate		-		222,335		5,942		10,457		-		238,734
Commercial business		-		62,022		542		3,445		-		66,009
Consumer		11,157		-		-		115		-		11,272
Total	$	407,945	$	284,357	$	6,484	$	16,386	$	-	$	715,172
December 31, 2017:
Residential first mortgages	$	220,730	$	-	$	-	$	1,093	$	-	$	221,823
Home equity and lines of credit		98,946		-		-		994		-		99,940
Commercial real estate		-		182,460		2,744		7,864		-		193,068
Commercial business		-		56,960		477		1,504		-		58,941
Consumer		9,443		-		-		146		-		9,589
Total	$	329,119	$	239,420	$	3,221	$	11,601	$	-	$	583,361

Past Due Financing Receivables [Table Text Block]

	Performing						Nonperforming
	Accruing		Accruing		Accruing		Accruing
	Loans Not		30-59 Days		60-89 Days		90 Days +				Total
	Past Due		Past Due		Past Due		Past Due		Nonaccrual		Loans
December 31, 2018:
Residential first mortgages	$	289,732	$	3,586	$	747	$	485	$	855	$	295,405
Home equity and lines of credit		101,920		707		351		287		487		103,752
Commercial real estate		232,865		5,013		231		19		606		238,734
Commercial business		65,538		50		247		-		174		66,009
Consumer		10,961		160		36		-		115		11,272
Total loans	$	701,016	$	9,516	$	1,612	$	791	$	2,237	$	715,172
December 31, 2017:
Residential first mortgages	$	218,515	$	1,936	$	357	$	159	$	856	$	221,823
Home equity and lines of credit		98,112		598		370		334		526		99,940
Commercial real estate		190,451		1,026		430		197		964		193,068
Commercial business		58,058		74		225		-		584		58,941
Consumer		9,162		273		81		-		73		9,589
Total loans	$	574,298	$	3,907	$	1,463	$	690	$	3,003	$	583,361

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

	Not		30-59 Days		60-89 Days		90 Days +		Total
	Past Due		Past Due		Past Due		Past Due		Loans
December 31, 2018:
Residential first mortgages	$	335	$	-	$	74	$	446	$	855
Home equity and lines of credit		6		-		-		481		487
Commercial real estate		111		265		-		230		606
Commercial business		-		-		39		135		174
Consumer		-		-		-		115		115
Total loans	$	452	$	265	$	113	$	1,407	$	2,237
December 31, 2017:
Residential first mortgages	$	366	$	-	$	75	$	415	$	856
Home equity and lines of credit		8		-		-		518		526
Commercial real estate		341		-		-		623		964
Commercial business		569		-		-		15		584
Consumer		-		-		-		73		73
Total loans	$	1,284	$	-	$	75	$	1,644	$	3,003