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

3 Months Ended

Mar. 31, 2015

Receivables [Abstract]

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

Loans are comprised of the following:	March 31,		December 31,
	2015		2014
Residential real estate	$	221,310	$	223,628
Commercial real estate:
Owner-occupied		79,047		78,848
Nonowner-occupied		72,159		71,229
Construction		25,987		27,535
Commercial and industrial		89,447		83,998
Consumer:
Automobile		43,022		42,849
Home equity		19,198		18,291
Other		44,347		48,390
		594,517		594,768
Less: Allowance for loan losses		8,320		8,334
Loans, net	$	586,197	$	586,434

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

March 31, 2015	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,426		$	4,195		$	1,602		$	1,111		$	8,334
Provision for loan losses		31			6			14			(129	)		(78	)
Loans charged off		(97	)		(8	)		(2	)		(261	)		(368	)
Recoveries		105			17			124			186			432
Total ending allowance balance	$	1,465		$	4,210		$	1,738		$	907		$	8,320

March 31, 2014	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,169		$	2,914		$	1,279		$	793		$	6,155
Provision for loan losses		309			57			(19	)		147			494
Loans charged off		(54	)		(157	)		----			(255	)		(466	)
Recoveries		13			31			71			164			279
Total ending allowance balance	$	1,437		$	2,845		$	1,331		$	849		$	6,462

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

March 31, 2015	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	$	----	$	2,533	$	1,021	$	4	$	3,558
Collectively evaluated for impairment		1,465		1,677		717		903		4,762
Total ending allowance balance	$	1,465	$	4,210	$	1,738	$	907	$	8,320
Loans:
Loans individually evaluated for impairment	$	1,411	$	11,590	$	7,358	$	219	$	20,578
Loans collectively evaluated for impairment		219,899		165,603		82,089		106,348		573,939
Total ending loans balance	$	221,310	$	177,193	$	89,447	$	106,567	$	594,517

December 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	$	----	$	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

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

March 31, 2015	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial real estate:
Owner-occupied	$	478	$	478	$	445
Nonowner-occupied		7,580		7,580		2,088
Commercial and industrial		3,045		3,045		1,021
Consumer:
Home equity		219		219		4
With no related allowance recorded:
Residential real estate		1,411		1,411		----
Commercial real estate:
Owner-occupied		3,099		2,552		----
Nonowner-occupied		1,294		300		----
Construction		680		680		----
Commercial and industrial		4,435		4,313		----
Total	$	22,241	$	20,578	$	3,558

December 31, 2014	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial real estate:
Owner-occupied	$	1,177	$	1,177	$	414
Nonowner-occupied		7,656		7,656		2,092
Commercial and industrial		2,356		2,356		900
Consumer:
Home equity		219		219		6
With no related allowance recorded:
Residential real estate		1,415		1,415		----
Commercial real estate:
Owner-occupied		3,125		2,578		----
Nonowner-occupied		1,298		300		----
Commercial and industrial		4,703		4,468		----
Total	$	21,949	$	20,169	$	3,412

	Three months ended March 31, 2015
	Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With an allowance recorded:
Commercial real estate:
Owner-occupied	$	827	$	----	$	----
Nonowner-occupied		7,618		16		16
Commercial and industrial		2,701		25		25
Consumer:
Home equity		219		3		3
With no related allowance recorded:
Residential real estate		1,412		9		9
Commercial real estate:
Owner-occupied		2,566		30		30
Nonowner-occupied		300		12		12
Construction		340		----		----
Commercial and industrial		4,390		55		55
Total	$	20,373	$	150	$	150

	Three months ended March 31, 2014
	Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With an allowance recorded:
Residential real estate	$	906	$	9	$	9
Commercial real estate:
Nonowner-occupied		3,344		34		34
Commercial and industrial		892		10		10
Consumer:
Home equity		218		2		2
With no related allowance recorded:
Residential real estate		527		7		7
Commercial real estate:
Owner-occupied		1,203		9		9
Nonowner-occupied		5,717		75		75
Commercial and industrial		1,734		20		20
Total	$	14,541	$	166	$	166

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

March 31, 2015	Loans Past Due 90 Days And Still Accruing		Nonaccrual
Residential real estate	$	34	$	3,594
Commercial real estate:
Owner-occupied		----		781
Nonowner-occupied		----		3,988
Construction		----		769
Commercial and industrial		----		91
Consumer:
Automobile		38		11
Home equity		----		149
Other		----		69
Total	$	72	$	9,452

December 31, 2014	Loans Past Due 90 Days And Still Accruing		Nonaccrual
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

Past Due Financing Receivables [Table Text Block]

March 31, 2015	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	$	1,997	$	493	$	3,406	$	5,896	$	215,414	$	221,310
Commercial real estate:
Owner-occupied		227		----		781		1,008		78,039		79,047
Nonowner-occupied		323		----		3,988		4,311		67,848		72,159
Construction		----		69		769		838		25,149		25,987
Commercial and industrial		256		----		21		277		89,170		89,447
Consumer:
Automobile		516		162		49		727		42,295		43,022
Home equity		26		----		149		175		19,023		19,198
Other		452		79		69		600		43,747		44,347
Total	$	3,797	$	803	$	9,232	$	13,832	$	580,685	$	594,517

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

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, 2015
Residential real estate
Interest only payments	$	516	$	----	$	516
Commercial real estate:
Owner-occupied
Interest only payments		457		----		457
Rate reduction		----		240		240
Reduction of principal and interest payments		621		----		621
Maturity extension at lower stated rate than market rate		1,030		----		1,030
Credit extension at lower stated rate than market rate		204		----		204
Nonowner-occupied
Interest only payments		3,487		3,988		7,475
Rate reduction		405		----		405
Commercial and industrial
Interest only payments		6,963		----		6,963
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	$	14,297	$	4,228	$	18,525

	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

Financing Receivable Credit Quality Indicators [Table Text Block]

March 31, 2015	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	73,091	$	2,147	$	3,809	$	79,047
Nonowner-occupied		61,483		2,430		8,246		72,159
Construction		25,050		----		937		25,987
Commercial and industrial		81,291		547		7,609		89,447
Total	$	240,915	$	5,124	$	20,601	$	266,640

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

Performing and Nonperforming Loans [Table Text Block]

March 31, 2015	Consumer
	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	42,973	$	19,049	$	44,278	$	217,682	$	323,982
Nonperforming		49		149		69		3,628		3,895
Total	$	43,022	$	19,198	$	44,347	$	221,310	$	327,877

December 31, 2014	Consumer
	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