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

9 Months Ended

Sep. 30, 2015

Receivables [Abstract]

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

Loans are comprised of the following:	September 30,		December 31,
	2015		2014
Residential real estate	$	224,492	$	223,628
Commercial real estate:
Owner-occupied		73,961		78,848
Nonowner-occupied		67,909		71,229
Construction		24,670		27,535
Commercial and industrial		84,402		83,998
Consumer:
Automobile		44,473		42,849
Home equity		20,501		18,291
Other		44,760		48,390
		585,168		594,768
Less: Allowance for loan losses		6,902		8,334
Loans, net	$	578,266	$	586,434

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

September 30, 2015	Residential Real Estate			Commercial Real Estate			Commercial and Industrial		Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,230		$	2,795		$	2,287	$	1,132		$	7,444
Provision for loan losses		(166	)		(214	)		205		164			(11	)
Loans charged off		(40	)		(596	)		----		(309	)		(945	)
Recoveries		219			15			11		169			414
Total ending allowance balance	$	1,243		$	2,000		$	2,503	$	1,156		$	6,902

September 30, 2014	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,878		$	3,276		$	1,625		$	1,149		$	7,928
Provision for loan losses		(240	)		(551	)		(90	)		199			(682	)
Loans charged off		(157	)		(78	)		(37	)		(363	)		(635	)
Recoveries		99			3			114			137			353
Total ending allowance balance	$	1,580		$	2,650		$	1,612		$	1,122		$	6,964

September 30, 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		(256	)		(272	)		697			541			710
Loans charged off		(263	)		(1,970	)		(24	)		(1,016	)		(3,273	)
Recoveries		336			47			228			520			1,131
Total ending allowance balance	$	1,243		$	2,000		$	2,503		$	1,156		$	6,902

September 30, 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		513			(111	)		92			704			1,198
Loans charged off		(350	)		(235	)		(41	)		(815	)		(1,441	)
Recoveries		248			82			282			440			1,052
Total ending allowance balance	$	1,580		$	2,650		$	1,612		$	1,122		$	6,964

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

September 30, 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	$	66	$	313	$	1,711	$	3	$	2,093
Collectively evaluated for impairment		1,177		1,687		792		1,153		4,809
Total ending allowance balance	$	1,243	$	2,000	$	2,503	$	1,156	$	6,902
Loans:
Loans individually evaluated for impairment	$	1,898	$	7,496	$	7,267	$	218	$	16,879
Loans collectively evaluated for impairment		222,594		159,044		77,135		109,516		568,289
Total ending loans balance	$	224,492	$	166,540	$	84,402	$	109,734	$	585,168

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]

September 30, 2015	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated
With an allowance recorded:
Residential real estate	$	895	$	895	$	66
Commercial real estate:
Owner-occupied		204		204		204
Nonowner-occupied		399		399		109
Commercial and industrial		3,460		3,460		1,711
Consumer:
Home equity		218		218		3
With no related allowance recorded:
Residential real estate		1,003		1,003		----
Commercial real estate:
Owner-occupied		3,911		3,364		----
Nonowner-occupied		5,258		2,849		----
Construction		680		680		----
Commercial and industrial		3,807		3,807		----
Total	$	19,835	$	16,879	$	2,093

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 September 30, 2015						Nine months ended September 30, 2015
	Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized		Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With an allowance recorded:
Residential real estate	$	895	$	----	$	----	$	895	$	----	$	----
Commercial real estate:
Owner-occupied		204		11		11		204		11		11
Nonowner-occupied		401		5		5		404		70		70
Commercial and industrial		3,589		52		52		3,343		117		117
Consumer:
Home equity		218		2		2		219		6		6
With no related allowance recorded:
Residential real estate		1,005		11		11		761		36		36
Commercial real estate:
Owner-occupied		2,873		74		74		2,617		135		135
Nonowner-occupied		2,910		12		12		3,605		37		37
Construction		680		----		----		510		----		----
Commercial and industrial		3,800		26		26		3,897		133		133
Total	$	16,575	$	193	$	193	$	16,455	$	545	$	545

	Three months ended September 30, 2014						Nine months ended September 30, 2014
	Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized		Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With an allowance recorded:
Residential real estate	$	552	$	17	$	17	$	487	$	25	$	25
Commercial real estate:
Owner-occupied		145		----		----		73		----		----
Nonowner-occupied		3,422		41		41		3,439		94		94
Commercial and industrial		3,259		39		39		1,629		107		107
Consumer:
Home equity		109		8		8		54		8		8
With no related allowance recorded:
Residential real estate		611		12		12		544		25		25
Commercial real estate:
Owner-occupied		1,479		9		9		6,513		31		31
Nonowner-occupied		5,974		81		81		6,513		267		267
Consumer:
Home equity		----		----		----		----		3		3
Total	$	15,551	$	207	$	207	$	14,130	$	560	$	560

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

September 30, 2015	Loans Past Due 90 Days And Still Accruing		Nonaccrual
Residential real estate	$	169	$	3,298
Commercial real estate:
Owner-occupied		----		233
Nonowner-occupied		----		2,549
Construction		----		769
Commercial and industrial		----		1,050
Consumer:
Automobile		117		7
Home equity		----		111
Other		34		2
Total	$	320	$	8,019

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]

September 30, 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	$	2,648	$	483	$	3,184	$	6,315	$	218,177	$	224,492
Commercial real estate:
Owner-occupied		283		145		233		661		73,300		73,961
Nonowner-occupied		378		232		2,549		3,159		64,750		67,909
Construction		58		----		769		827		23,843		24,670
Commercial and industrial		289		89		980		1,358		83,044		84,402
Consumer:
Automobile		613		100		117		830		43,643		44,473
Home equity		----		----		90		90		20,411		20,501
Other		400		98		34		532		44,228		44,760
Total	$	4,669	$	1,147	$	7,956	$	13,772	$	571,396	$	585,168

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
September 30, 2015
Residential real estate
Interest only payments	$	1,003	$	----	$	1,003
Commercial real estate:
Owner-occupied
Interest only payments		498		----		498
Rate reduction		----		233		233
Reduction of principal and interest payments		610		----		610
Maturity extension at lower stated rate than market rate		2,023		----		2,023
Credit extension at lower stated rate than market rate		204		----		204
Nonowner-occupied
Interest only payments		300		2,549		2,849
Rate reduction		399		----		399
Commercial and industrial
Interest only payments		6,381		----		6,381
Credit extension at lower stated rate than market rate		----		392		392
Consumer:
Home equity
Maturity extension at lower stated rate than market rate		218		----		218
Total TDR’s	$	11,636	$	3,174	$	14,810

	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
Nine months ended September 30, 2015	Pre- Modification Recorded Investment		Post- Modification Recorded Investment		Pre- Modification Recorded Investment		Post- Modification Recorded Investment
Residential real estate:
Interest only payments	$	495	$	495	$	----	$	----
Commercial real estate:
Owner-occupied
Maturity extension at lower stated rate than market rate		1,025		1,025		----		----
Total TDR’s	$	1,520	$	1,520	$	----	$	----

	TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms
Nine months ended September 30, 2014	Pre- Modification Recorded Investment		Post- Modification Recorded Investment		Pre- Modification Recorded Investment		Post- Modification Recorded Investment
Commercial real estate:
Owner-occupied
Maturity extension at lower stated rate than market rate	$	762	$	762	$	----	$	----
Commercial and industrial
Interest only payments		2,908		2,908		----		----
Credit extension at lower stated rate than market rate		395		395		----		----
Total TDR’s	$	4,065	$	4,065	$	----	$	----

Financing Receivable Credit Quality Indicators [Table Text Block]

September 30, 2015	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	62,542	$	7,580	$	3,839	$	73,961
Nonowner-occupied		57,196		6,498		4,215		67,909
Construction		23,742		----		928		24,670
Commercial and industrial		72,878		6,209		5,315		84,402
Total	$	216,358	$	20,287	$	14,297	$	250,942

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]

September 30, 2015	Consumer
	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	44,349	$	20,390	$	44,724	$	221,025	$	330,488
Nonperforming		124		111		36		3,467		3,738
Total	$	44,473	$	20,501	$	44,760	$	224,492	$	334,226

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