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

6 Months Ended

Jun. 30, 2016

Notes Tables

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

Loans are comprised of the following:	June 30,		December 31,
	2016		2015
Residential real estate	$	225,731	$	223,875
Commercial real estate:
Owner-occupied		70,478		73,458
Nonowner-occupied		83,659		72,002
Construction		30,099		23,852
Commercial and industrial		83,365		81,936
Consumer:
Automobile		46,239		44,566
Home equity		19,712		20,841
Other		43,653		45,222
		602,936		585,752
Less: Allowance for loan losses		6,934		6,648
Loans, net	$	596,002	$	579,104

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

June 30, 2016	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,185		$	1,995		$	2,672		$	1,094		$	6,946
Provision for loan losses		(258	)		1,445			(1,266	)		220			141
Loans charged off		(67	)		(52	)		----			(353	)		(472	)
Recoveries		46			76			10			187			319
Total ending allowance balance	$	906		$	3,464		$	1,416		$	1,148		$	6,934

June 30, 2015	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,465		$	4,210		$	1,738		$	907		$	8,320
Provision for loan losses		(121	)		(64	)		478			506			799
Loans charged-off		(126	)		(1,366	)		(22	)		(446	)		(1,960	)
Recoveries		12			15			93			165			285
Total ending allowance balance	$	1,230		$	2,795		$	2,287		$	1,132		$	7,444

June 30, 2016	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,087		$	1,959		$	2,589		$	1,013		$	6,648
Provision for loan losses		(218	)		1,462			(1,184	)		560			620
Loans charged off		(171	)		(52	)		----			(836	)		(1,059	)
Recoveries		208			95			11			411			725
Total ending allowance balance	$	906		$	3,464		$	1,416		$	1,148		$	6,934

June 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		(90	)		(58	)		492			377			721
Loans charged-off		(223	)		(1,374	)		(24	)		(707	)		(2,328	)
Recoveries		117			32			217			351			717
Total ending allowance balance	$	1,230		$	2,795		$	2,287		$	1,132		$	7,444

Allowance For Loan Losses And The Recorded Investment Of Loans [Table Text Block]

June 30, 2016	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	$	----	$	1,893	$	735	$	2	$	2,630
Collectively evaluated for impairment		906		1,571		681		1,146		4,304
Total ending allowance balance	$	906	$	3,464	$	1,416	$	1,148	$	6,934
Loans:
Loans individually evaluated for impairment	$	726	$	11,914	$	9,329	$	218	$	22,187
Loans collectively evaluated for impairment		225,005		172,322		74,036		109,386		580,749
Total ending loans balance	$	225,731	$	184,236	$	83,365	$	109,604	$	602,936

December 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	$	----	$	311	$	1,850	$	3	$	2,164
Collectively evaluated for impairment		1,087		1,648		739		1,010		4,484
Total ending allowance balance	$	1,087	$	1,959	$	2,589	$	1,013	$	6,648
Loans:
Loans individually evaluated for impairment	$	1,001	$	7,318	$	8,691	$	218	$	17,228
Loans collectively evaluated for impairment		222,874		161,994		73,245		110,411		568,524
Total ending loans balance	$	223,875	$	169,312	$	81,936	$	110,629	$	585,752

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

June 30, 2016	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial real estate:
Owner-occupied	$	4,936	$	4,936	$	1,789
Nonowner-occupied		390		390		104
Commercial and industrial		887		887		735
Consumer:
Home equity		218		218		2
With no related allowance recorded:
Residential real estate		726		726		----
Commercial real estate:
Owner-occupied		3,691		3,144		----
Nonowner-occupied		5,659		3,262		----
Construction		280		182		----
Commercial and industrial		8,442		8,442		----
Total	$	25,229	$	22,187	$	2,630

December 31, 2015	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial real estate:
Owner-occupied	$	204	$	204	$	204
Nonowner-occupied		396		396		107
Commercial and industrial		4,355		4,355		1,850
Consumer:
Home equity		218		218		3
With no related allowance recorded:
Residential real estate		1,001		1,001		----
Commercial real estate:
Owner-occupied		3,812		3,265		----
Nonowner-occupied		5,178		2,773		----
Construction		680		680		----
Commercial and industrial		4,336		4,336		----
Total	$	20,180	$	17,228	$	2,164

	Three months ended June 30, 2016						Six months ended June 30, 2016
	Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized		Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With an allowance recorded:
Commercial real estate:
Owner-occupied	$	2,570	$	143	$	143	$	1,781	$	147	$	147
Nonowner-occupied		392		5		5		393		10		10
Commercial and industrial		887		----		----		887		----		----
Consumer:
Home equity		218		2		2		218		4		4
With no related allowance recorded:
Residential real estate		728		7		7		730		16		16
Commercial real estate:
Owner-occupied		3,197		40		40		3,220		83		83
Nonowner-occupied		3,378		29		29		3,176		42		42
Construction		431		97		97		514		97		97
Commercial and industrial		8,212		95		95		8,076		187		187
Total	$	20,013	$	418	$	418	$	18,995	$	586	$	586

	Three months ended June 30, 2015						Six months ended June 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:
Commercial real estate:
Owner-occupied	$	478	$	----	$	----	$	711	$	----	$	----
Nonowner-occupied		3,575		49		49		3,598		65		65
Commercial and industrial		3,185		40		40		2,909		65		65
Consumer:
Home equity		218		2		2		219		4		4
With no related allowance recorded:
Residential real estate		1,656		16		16		1,575		25		25
Commercial real estate:
Owner-occupied		2,570		30		30		2,573		60		60
Nonowner-occupied		3,630		13		13		3,857		25		25
Construction		680		----		----		453		----		----
Commercial and industrial		4,249		51		51		4,322		107		107
Total	$	20,241	$	201	$	201	$	20,217	$	351	$	351

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

June 30, 2016	Loans Past Due 90 Days And Still Accruing		Nonaccrual
Residential real estate	$	142	$	2,185
Commercial real estate:
Owner-occupied		135		394
Nonowner-occupied		----		2,402
Construction		----		182
Commercial and industrial		75		1,200
Consumer:
Automobile		56		16
Home equity		----		32
Other		46		----
Total	$	454	$	6,411

December 31, 2015	Loans Past Due 90 Days And Still Accruing		Nonaccrual
Residential real estate	$	20	$	2,048
Commercial real estate:
Owner-occupied		----		404
Nonowner-occupied		----		2,737
Construction		----		769
Commercial and industrial		----		1,152
Consumer:
Automobile		18		27
Home equity		----		96
Other		1		3
Total	$	39	$	7,236

Past Due Financing Receivables [Table Text Block]

June 30, 2016	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	$	3,477	$	1,319	$	1,742	$	6,538	$	219,193	$	225,731
Commercial real estate:
Owner-occupied		348		1,305		396		2,049		68,429		70,478
Nonowner-occupied		34		48		2,402		2,484		81,175		83,659
Construction		355		----		182		537		29,562		30,099
Commercial and industrial		115		25		1,221		1,361		82,004		83,365
Consumer:
Automobile		789		152		68		1,009		45,230		46,239
Home equity		74		70		16		160		19,552		19,712
Other		568		264		46		878		42,775		43,653
Total	$	5,760	$	3,183	$	6,073	$	15,016	$	587,920	$	602,936

December 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	$	2,564	$	1,484	$	1,708	$	5,756	$	218,119	$	223,875
Commercial real estate:
Owner-occupied		141		33		371		545		72,913		73,458
Nonowner-occupied		35		334		2,737		3,106		68,896		72,002
Construction		----		2		769		771		23,081		23,852
Commercial and industrial		31		88		1,077		1,196		80,740		81,936
Consumer:
Automobile		727		197		36		960		43,606		44,566
Home equity		75		----		76		151		20,690		20,841
Other		420		104		4		528		44,694		45,222
Total	$	3,993	$	2,242	$	6,778	$	13,013	$	572,739	$	585,752

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

June 30, 2016	TDR’s Performing to Modified Terms		TDR’s Not Performing to Modified Terms		Total TDR’s
Residential real estate
Interest only payments	$	726	$	----	$	726
Commercial real estate:
Owner-occupied
Interest only payments		389		----		389
Rate reduction		----		232		232
Reduction of principal and interest payments		592		----		592
Maturity extension at lower stated rate than market rate		1,932		----		1,932
Credit extension at lower stated rate than market rate		204		----		204
Nonowner-occupied
Interest only payments		539		2,148		2,687
Rate reduction		390		----		390
Credit extension at lower stated rate than market rate		575		----		575
Commercial and industrial
Interest only payments		7,462		----		7,462
Credit extension at lower stated rate than market rate		980		391		1,371
Consumer:
Home equity
Maturity extension at lower stated rate than market rate		218		----		218
Total TDR’s	$	14,007	$	2,771	$	16,778

December 31, 2015	TDR’s Performing to Modified Terms		TDR’s Not Performing to Modified Terms		Total TDR’s
Residential real estate
Interest only payments	$	1,001	$	----	$	1,001
Commercial real estate:
Owner-occupied
Interest only payments		433		----		433
Rate reduction		----		232		232
Reduction of principal and interest payments		604		----		604
Maturity extension at lower stated rate than market rate		1,996		----		1,996
Credit extension at lower stated rate than market rate		204		----		204
Nonowner-occupied
Interest only payments		300		2,473		2,773
Rate reduction		396		----		396
Commercial and industrial
Interest only payments		7,579		----		7,579
Credit extension at lower stated rate than market rate		226		391		617
Consumer:
Home equity
Maturity extension at lower stated rate than market rate		218		----		218
Total TDR’s	$	12,957	$	3,096	$	16,053

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 June 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	$	----	$	----
Total TDR’s	$	495	$	495	$	----	$	----

	TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms
Six months ended June 30, 2016	Pre- Modification Recorded Investment		Post- Modification Recorded Investment		Pre- Modification Recorded Investment		Post- Modification Recorded Investment
Commercial real estate:
Nonowner-occupied
Interest only payments	$	238	$	238	$	----	$	----
Credit extension at lower stated rate than market rate		575		575		----		----
Total TDR’s	$	813	$	813	$	----	$	----

	TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms
Six months ended June 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	$	----	$	----
Total TDR’s	$	495	$	495	$	----	$	----

Financing Receivable Credit Quality Indicators [Table Text Block]

June 30, 2016	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	61,875	$	369	$	8,234	$	70,478
Nonowner-occupied		74,319		1,717		7,623		83,659
Construction		29,554		----		545		30,099
Commercial and industrial		79,906		----		3,459		83,365
Total	$	245,654	$	2,086	$	19,861	$	267,601

December 31, 2015	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	62,287	$	6,738	$	4,433	$	73,458
Nonowner-occupied		61,577		6,305		4,120		72,002
Construction		23,080		----		772		23,852
Commercial and industrial		70,852		5,232		5,852		81,936
Total	$	217,796	$	18,275	$	15,177	$	251,248

Performing and Nonperforming Loans [Table Text Block]

June 30, 2016	Consumer
	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	46,167	$	19,680	$	43,607	$	223,404	$	332,858
Nonperforming		72		32		46		2,327		2,477
Total	$	46,239	$	19,712	$	43,653	$	225,731	$	335,335

December 31, 2015	Consumer
	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	44,521	$	20,745	$	45,218	$	221,807	$	332,291
Nonperforming		45		96		4		2,068		2,213
Total	$	44,566	$	20,841	$	45,222	$	223,875	$	334,504