Note 4 - Loans and Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2014

Receivables [Abstract]

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

Loans are comprised of the following:	March 31,		December 31,
	2014		2013
Residential real estate	$	213,824	$	214,008
Commercial real estate:
Owner-occupied		94,172		94,586
Nonowner-occupied		62,661		62,108
Construction		30,106		28,972
Commercial and industrial		72,925		64,365
Consumer:
Automobile		39,623		38,811
Home equity		17,527		17,748
Other		43,489		45,721
		574,327		566,319
Less: Allowance for loan losses		6,462		6,155
Loans, net	$	567,865	$	560,164

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

March 31, 2014	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,250		$	2,807		$	1,305		$	793		$	6,155
Provision for loan losses		307			68			(28	)		147			494
Loans charged off		(54	)		(157	)		----			(255	)		(466	)
Recoveries		13			22			80			164			279
Total ending allowance balance	$	1,516		$	2,740		$	1,357		$	849		$	6,462

March 31, 2013	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,329		$	3,946		$	783		$	847		$	6,905
Provision for loan losses		327			(478	)		(33	)		215			31
Loans charged-off		(357	)		(2	)		----			(437	)		(796	)
Recoveries		15			278			11			228			532
Total ending allowance balance	$	1,314		$	3,744		$	761		$	853		$	6,672

Allowance for Loan Losses and the Recorded Investment of Loans [Table Text Block]

March 31, 2014	Residential Real Estate		Commercial Real Estate		Commercial and Industrial		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	232	$	1,361	$	850	$	6	$	2,449
Collectively evaluated for impairment		1,284		1,379		507		843		4,013
Total ending allowance balance	$	1,516	$	2,740	$	1,357	$	849	$	6,462
Loans:
Loans individually evaluated for impairment	$	1,427	$	10,147	$	2,594	$	218	$	14,386
Loans collectively evaluated for impairment		212,397		176,792		70,331		100,421		559,941
Total ending loans balance	$	213,824	$	186,939	$	72,925	$	100,639	$	574,327

December 31, 2013	Residential Real Estate		Commercial Real Estate		Commercial and Industrial		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	213	$	1,541	$	864	$	7	$	2,625
Collectively evaluated for impairment		1,037		1,266		441		786		3,530
Total ending allowance balance	$	1,250	$	2,807	$	1,305	$	793	$	6,155
Loans:
Loans individually evaluated for impairment	$	1,438	$	10,382	$	2,658	$	218	$	14,696
Loans collectively evaluated for impairment		212,570		175,284		61,707		102,062		551,623
Total ending loans balance	$	214,008	$	185,666	$	64,365	$	102,280	$	566,319

Schedule of Loans Individually Evaluated for Impairment [Table Text Block]

Three months ended March 31, 2014	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated		Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With no related allowance recorded:
Residential real estate	$	526	$	526	$	----	$	527	$	7	$	7
Commercial real estate:
Owner-occupied		1,827		1,124		----		1,203		9		9
Nonowner-occupied		6,292		5,692		----		5,717		75		75
Commercial and industrial		2,066		1,657		----		1,734		20		20
With an allowance recorded:
Residential real estate		901		901		232		906		9		9
Commercial real estate:
Nonowner-occupied		3,331		3,331		1,361		3,344		34		34
Commercial and industrial		937		937		850		892		10		10
Consumer:
Home equity		218		218		6		218		2		2
Total	$	16,098	$	14,386	$	2,449	$	14,541	$	166	$	166

Three months ended March 31, 2013	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated		Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With no related allowance recorded:
Residential real estate	$	830	$	686	$	----	$	703	$	3	$	3
Commercial real estate:
Owner-occupied		5,644		5,098		----		5,313		72		72
Nonowner-occupied		7,849		7,049		----		7,052		93		93
Commercial and industrial		422		----		----		----		----		----
Consumer:
Home equity		219		219		----		220		3		3
With an allowance recorded:
Residential real estate		426		426		133		423		4		4
Commercial real estate:
Nonowner-occupied		3,441		3,441		1,979		3,456		41		41
Total	$	18,831	$	16,919	$	2,112	$	17,167	$	216	$	216

Year ended December 31, 2013	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated		Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With no related allowance recorded:
Residential real estate	$	766	$	766	$	----	$	539	$	41	$	41
Commercial real estate:
Owner-occupied		1,539		992		----		809		39		39
Nonowner-occupied		6,343		5,743		----		6,359		345		345
Commercial and industrial		2,223		1,811		----		1,234		96		96
With an allowance recorded:
Residential real estate		672		672		213		524		35		35
Commercial real estate:
Owner-occupied		290		290		157		116		----		----
Nonowner-occupied		3,357		3,357		1,384		3,423		164		164
Commercial and industrial		847		847		864		602		46		46
Consumer:
Home equity		218		218		7		87		9		9
Total	$	16,255	$	14,696	$	2,625	$	13,693	$	775	$	775

Schedule of Recorded Investment in Nonaccrual Loans [Table Text Block]

March 31, 2014	Loans Past Due 90 Days And Still Accruing		Nonaccrual
Residential real estate	$	38	$	3,189
Commercial real estate:
Owner-occupied		----		465
Nonowner-occupied		----		----
Commercial and industrial		----		2
Consumer:
Automobile		12		4
Home equity		----		38
Other		----		----
Total	$	50	$	3,698

December 31, 2013	Loans Past Due 90 Days And Still Accruing		Nonaccrual
Residential real estate	$	72	$	2,662
Commercial real estate:
Owner-occupied		----		799
Nonowner-occupied		----		52
Commercial and industrial		----		21
Consumer:
Automobile		5		8
Home equity		----		38
Other		1		----
Total	$	78	$	3,580

Past Due Financing Receivables [Table Text Block]

March 31, 2014	30-59 Days Past Due		60-89 Days Past Due		90 Days Or More Past Due		Total Past Due		Loans Not Past Due		Total
Residential real estate	$	2,241	$	508	$	2,994	$	5,743	$	208,081	$	213,824
Commercial real estate:
Owner-occupied		117		----		465		582		93,590		94,172
Nonowner-occupied		----		----		----		----		62,661		62,661
Construction		----		----		----		----		30,106		30,106
Commercial and industrial		66		----		2		68		72,857		72,925
Consumer:
Automobile		435		83		12		530		39,093		39,623
Home equity		----		----		38		38		17,489		17,527
Other		532		34		----		566		42,923		43,489
Total	$	3,391	$	625	$	3,511	$	7,527	$	566,800	$	574,327

December 31, 2013	30-59 Days Past Due		60-89 Days Past Due		90 Days Or More Past Due		Total Past Due		Loans Not Past Due		Total
Residential real estate	$	3,922	$	1,324	$	2,620	$	7,866	$	206,142	$	214,008
Commercial real estate:
Owner-occupied		206		34		683		923		93,663		94,586
Nonowner-occupied		----		----		52		52		62,056		62,108
Construction		60		----		----		60		28,912		28,972
Commercial and industrial		193		115		21		329		64,036		64,365
Consumer:
Automobile		638		123		13		774		38,037		38,811
Home equity		----		----		38		38		17,710		17,748
Other		651		38		1		690		45,031		45,721
Total	$	5,670	$	1,634	$	3,428	$	10,732	$	555,587	$	566,319

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	TDR’s Performing to Modified Terms		TDR’s Not Performing to Modified Terms		Total TDR’s
March 31, 2014
Residential real estate
Interest only payments	$	526	$	----	$	526
Rate reduction		417		----		417
Commercial real estate:
Owner-occupied
Rate reduction		----		258		258
Maturity extension at lower stated rate than market rate		271		----		271
Nonowner-occupied
Interest only payments		8,380		----		8,380
Reduction of principal and interest payments		644		----		644
Commercial and industrial
Interest only payments		1,657		----		1,657
Consumer:
Home equity
Maturity extension at lower stated rate than market rate		218		----		218
Total TDR’s	$	12,113	$	258	$	12,371

	TDR’s Performing to Modified Terms		TDR’s Not Performing to Modified Terms		Total TDR’s
December 31, 2013
Residential real estate
Interest only payments	$	527	$	----	$	527
Rate reduction		420		----		420
Commercial real estate:
Owner-occupied
Rate reduction		----		259		259
Maturity extension at lower stated rate than market rate		271		----		271
Nonowner-occupied
Interest only payments		8,450		----		8,450
Reduction of principal and interest payments		650		----		650
Commercial and industrial
Interest only payments		1,811		----		1,811
Consumer:
Home equity
Maturity extension at lower stated rate than market rate		218		----		218
Total TDR’s	$	12,347	$	259	$	12,606

Troubled Debt Restructurings on Financing Receivables, Pre and Post Modification [Table Text Block]

	TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms
Three months ended March 31, 2013	Pre- Modification Recorded Investment		Post- Modification Recorded Investment		Pre- Modification Recorded Investment		Post- Modification Recorded Investment
Residential real estate
Interest only payments	$	249	$	249	$	----	$	----
Total TDR’s	$	249	$	249	$	----	$	----

Financing Receivable Credit Quality Indicators [Table Text Block]

March 31, 2014	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	86,389	$	5,210	$	2,573	$	94,172
Nonowner-occupied		51,814		7,049		3,798		62,661
Construction		29,169		----		937		30,106
Commercial and industrial		64,893		4,281		3,751		72,925
Total	$	232,265	$	16,540	$	11,059	$	259,864

December 31, 2013	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	86,497	$	5,310	$	2,779	$	94,586
Nonowner-occupied		51,119		7,107		3,882		62,108
Construction		27,998		----		974		28,972
Commercial and industrial		56,962		4,081		3,322		64,365
Total	$	222,576	$	16,498	$	10,957	$	250,031

Performing and Nonperforming Loans [Table Text Block]

March 31, 2014	Consumer
	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	39,607	$	17,489	$	43,489	$	210,597	$	311,182
Nonperforming		16		38		----		3,227		3,281
Total	$	39,623	$	17,527	$	43,489	$	213,824	$	314,463

December 31, 2013	Consumer
	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	38,798	$	17,710	$	45,720	$	211,274	$	313,502
Nonperforming		13		38		1		2,734		2,786
Total	$	38,811	$	17,748	$	45,721	$	214,008	$	316,288