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

12 Months Ended

Dec. 31, 2014

Receivables [Abstract]

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

	2014		2013
Residential real estate	$	223,628	$	219,365
Commercial real estate:
Owner-occupied		78,848		83,988
Nonowner-occupied		71,229		74,047
Construction		27,535		25,836
Commercial and industrial		83,998		60,803
Consumer:
Automobile		42,849		38,811
Home equity		18,291		17,748
Other		48,390		45,721
		594,768		566,319
Less: Allowance for loan losses		8,334		6,155
Loans, net	$	586,434	$	560,164

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

December 31, 2014	Residential Real Estate			Commercial Real Estate			Commercial & Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,169		$	2,914		$	1,279		$	793		$	6,155
Provision for loan losses		458			1,408			(28	)		949			2,787
Loans charged off		(487	)		(235	)		(41	)		(1,216	)		(1,979	)
Recoveries		286			108			392			585			1,371
Total ending allowance balance	$	1,426		$	4,195		$	1,602		$	1,111		$	8,334

December 31, 2013	Residential Real Estate			Commercial Real Estate			Commercial & Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,329		$	3,946		$	783		$	847		$	6,905
Provision for loan losses		377			(1,375	)		1,031			444			477
Loans charged off		(819	)		(2	)		(600	)		(1,279	)		(2,700	)
Recoveries		282			345			65			781			1,473
Total ending allowance balance	$	1,169		$	2,914		$	1,279		$	793		$	6,155

December 31, 2012	Residential Real Estate			Commercial Real Estate			Commercial & Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,860		$	3,493		$	636		$	1,355		$	7,344
Provision for loan losses		395			2,788			(1,802	)		202			1,583
Loans charged off		(1,066	)		(2,378	)		(70	)		(1,622	)		(5,136	)
Recoveries		140			43			2,019			912			3,114
Total ending allowance balance	$	1,329		$	3,946		$	783		$	847		$	6,905

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

December 31, 2014	Residential Real Estate		Commercial Real Estate		Commercial & Industrial		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	----	$	2,506	$	900	$	6	$	3,412
Collectively evaluated for impairment		1,426		1,689		702		1,105		4,922
Total ending allowance balance	$	1,426	$	4,195	$	1,602	$	1,111	$	8,334
Loans:
Loans individually evaluated for impairment	$	1,415	$	11,711	$	6,824	$	219	$	20,169
Loans collectively evaluated for impairment		222,213		165,901		77,174		109,311		574,599
Total ending loans balance	$	223,628	$	177,612	$	83,998	$	109,530	$	594,768

December 31, 2013	Residential Real Estate		Commercial Real Estate		Commercial & Industrial		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	93	$	1,661	$	864	$	7	$	2,625
Collectively evaluated for impairment		1,076		1,253		415		786		3,530
Total ending allowance balance	$	1,169	$	2,914	$	1,279	$	793	$	6,155
Loans:
Loans individually evaluated for impairment	$	1,019	$	10,801	$	2,658	$	218	$	14,696
Loans collectively evaluated for impairment		218,346		173,070		58,145		102,062		551,623
Total ending loans balance	$	219,365	$	183,871	$	60,803	$	102,280	$	566,319

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

December 31, 2014	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated		Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With an allowance recorded:
Residential real estate	$	----	$	----	$	----	$	----	$	6	$	6
Commercial real estate:
Owner-occupied		1,177		1,177		414		471		32		32
Nonowner-occupied		7,656		7,656		2,092		8,303		398		398
Commercial and industrial		2,356		2,356		900		2,441		110		110
Consumer:
Home equity		219		219		6		219		7		7
With no related allowance recorded:
Residential real estate		1,415		1,415		----		882		58		58
Commercial real estate:
Owner-occupied		3,125		2,578		----		2,135		113		113
Nonowner-occupied		1,298		300		----		300		50		50
Commercial and industrial		4,703		4,468		----		2,278		180		180
Total	$	21,949	$	20,169	$	3,412	$	17,029	$	954	$	954

December 31, 2013	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated		Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With an allowance recorded:
Residential real estate	$	253	$	253	$	93	$	101	$	12	$	12
Commercial real estate:
Owner-occupied		290		290		157		116		----		----
Nonowner-occupied		3,776		3,776		1,504		3,846		187		187
Commercial and industrial		2,658		2,658		864		1,836		142		142
Consumer:
Home equity		218		218		7		87		9		9
With no related allowance recorded:
Residential real estate		766		766		----		539		47		47
Commercial real estate:
Owner-occupied		2,188		1,641		----		1,469		73		73
Nonowner-occupied		6,106		5,094		----		5,699		311		311
Consumer:
Home equity		----		----		----		----		3		3
Total	$	16,255	$	14,696	$	2,625	$	13,693	$	784	$	784

December 31, 2012	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated		Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With an allowance recorded:
Commercial real estate:
Nonowner-occupied	$	2,399	$	2,399	$	2,107	$	1,552	$	61	$	61
With no related allowance recorded:
Residential real estate		619		407		----		493		----		----
Commercial real estate:
Owner-occupied		6,198		6,198		----		4,998		354		354
Nonowner-occupied		9,841		8,177		----		4,498		440		440
Commercial and industrial		----		----		----		----		----		----
Consumer:
Home equity		220		220		----		176		9		9
Total	$	19,277	$	17,401	$	2,107	$	11,717	$	864	$	864

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

	Loans Past Due 90 Days And Still Accruing		Nonaccrual
December 31, 2014
Residential real estate	$	----	$	3,768
Commercial real estate:
Owner-occupied		----		1,484
Nonowner-occupied		----		4,013
Commercial and industrial		----		95
Consumer:
Automobile		15		18
Home equity		----		103
Other		58		68
Total	$	73	$	9,549

	Loans Past Due 90 Days And Still Accruing		Nonaccrual
December 31, 2013
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]

December 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	$	3,337	$	612	$	3,489	$	7,438	$	216,190	$	223,628
Commercial real estate:
Owner-occupied		74		62		1,422		1,558		77,290		78,848
Nonowner-occupied		----		----		----		----		71,229		71,229
Construction		932		----		----		932		26,603		27,535
Commercial and industrial		----		10		24		34		83,964		83,998
Consumer:
Automobile		616		149		33		798		42,051		42,849
Home equity		----		----		103		103		18,188		18,291
Other		655		20		126		801		47,589		48,390
Total	$	5,614	$	853	$	5,197	$	11,664	$	583,104	$	594,768

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	$	211,499	$	219,365
Commercial real estate:
Owner-occupied		206		100		683		989		82,999		83,988
Nonowner-occupied		----		----		52		52		73,995		74,047
Construction		60		----		----		60		25,776		25,836
Commercial and industrial		193		49		21		263		60,540		60,803
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
December 31, 2014
Residential real estate
Interest only payments	$	520	$	----	$	520
Commercial real estate:
Owner-occupied
Interest only payments		457		----		457
Rate reduction		----		244		244
Reduction of principal and interest payments		627		----		627
Maturity extension at lower stated rate than market rate		1,046		----		1,046
Credit extension at lower stated rate than market rate		204		----		204
Nonowner-occupied
Interest only payments		3,535		4,013		7,548
Rate reduction		408		----		408
Commercial and industrial
Interest only payments		6,429		----		6,429
Credit extension at lower stated rate than market rate		395		----		395
Consumer:
Home equity
Maturity extension at lower stated rate than market rate		219		----		219
Total TDR’s	$	13,840	$	4,257	$	18,097

	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
Commercial real estate:
Owner-occupied
Rate reduction		----		259		259
Reduction of principal and interest payments		650		----		650
Maturity extension at lower stated rate than market rate		271		----		271
Nonowner-occupied
Interest only payments		8,450		----		8,450
Rate reduction		420		----		420
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
	Pre-Modification Recorded Investment		Post-Modification Recorded Investment		Pre-Modification Recorded Investment		Post-Modification Recorded Investment
December 31, 2014
Commercial real estate:
Owner-occupied
Interest only payments	$	457	$	457		----		----
Maturity extension at lower stated rate than market rate		746		746		----		----
Credit extension at lower stated rate than market rate		204		204
Commercial and industrial
Interest only payments		4,073		4,073		----		----
Credit extension at lower stated rate than market rate		395		395		----		----
Total TDR’s	$	5,875	$	5,875		----		----

	TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms
	Pre-Modification Recorded Investment		Post-Modification Recorded Investment		Pre-Modification Recorded Investment		Post-Modification Recorded Investment
December 31, 2013
Residential real estate
Interest only payments	$	527	$	527		----		----
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	$	2,556	$	2,556		----		----

Financing Receivable Credit Quality Indicators [Table Text Block]

December 31, 2014	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	72,232	$	2,102	$	4,514	$	78,848
Nonowner-occupied		60,491		2,127		8,611		71,229
Construction		27,364		----		171		27,535
Commercial and industrial		76,395		495		7,108		83,998
Total	$	236,482	$	4,724	$	20,404	$	261,610

December 31, 2013	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	76,677	$	5,310	$	2,001	$	83,988
Nonowner-occupied		62,301		7,107		4,639		74,047
Construction		24,545		----		1,291		25,836
Commercial and industrial		53,416		4,081		3,306		60,803
Total	$	216,939	$	16,498	$	11,237	$	244,674

Performing and Nonperforming Loans [Table Text Block]

	Consumer
December 31, 2014	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	42,816	$	18,188	$	48,264	$	219,860	$	329,128
Nonperforming		33		103		126		3,768		4,030
Total	$	42,849	$	18,291	$	48,390	$	223,628	$	333,158

	Consumer
December 31, 2013	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	38,798	$	17,710	$	45,720	$	216,631	$	318,859
Nonperforming		13		38		1		2,734		2,786
Total	$	38,811	$	17,748	$	45,721	$	219,365	$	321,645