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

6 Months Ended

Jun. 30, 2017

Notes Tables

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

Loans are comprised of the following:	June 30,			December 31,
	2017			2016
Residential real estate	$	304,537		$	286,022
Commercial real estate:
Owner-occupied		75,829			77,605
Nonowner-occupied		93,083			90,532
Construction		43,215			45,870
Commercial and industrial		102,950			100,589
Consumer:
Automobile		64,540			59,772
Home equity		21,300			20,861
Other		51,451			53,650
		756,905			734,901
Less: Allowance for loan losses		(6,952	)		(7,699	)
Loans, net	$	749,953		$	727,202

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

June 30, 2017	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,392		$	2,729		$	1,360		$	1,834		$	7,315
Provision for loan losses		(68	)		(89	)		(35	)		367			175
Loans charged off		(73	)		(53	)		(399	)		(384	)		(909	)
Recoveries		49			226			6			90			371
Total ending allowance balance	$	1,300		$	2,813		$	932		$	1,907		$	6,952

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, 2017	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	939		$	4,315		$	907		$	1,538		$	7,699
Provision for loan losses		377			(1,176	)		350			769			320
Loans charged off		(146	)		(612	)		(403	)		(705	)		(1,866	)
Recoveries		130			286			78			305			799
Total ending allowance balance	$	1,300		$	2,813		$	932		$	1,907		$	6,952

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

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

June 30, 2017	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	$	----	$	97	$	----	$	1	$	98
Collectively evaluated for impairment		1,300		2,716		932		1,906		6,854
Total ending allowance balance	$	1,300	$	2,813	$	932	$	1,907	$	6,952
Loans:
Loans individually evaluated for impairment	$	1,141	$	7,262	$	9,077	$	209	$	17,689
Loans collectively evaluated for impairment		303,396		204,865		93,873		137,082		739,216
Total ending loans balance	$	304,537	$	212,127	$	102,950	$	137,291	$	756,905

December 31, 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	$	----	$	2,535	$	241	$	205	$	2,981
Collectively evaluated for impairment		939		1,780		666		1,333		4,718
Total ending allowance balance	$	939	$	4,315	$	907	$	1,538	$	7,699
Loans:
Loans individually evaluated for impairment	$	717	$	13,111	$	8,465	$	416	$	22,709
Loans collectively evaluated for impairment		285,305		200,896		92,124		133,867		712,192
Total ending loans balance	$	286,022	$	214,007	$	100,589	$	134,283	$	734,901

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

June 30, 2017	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial real estate:
Nonowner-occupied	$	377	$	377	$	97
Consumer:
Home equity		209		209		1
With no related allowance recorded:
Residential real estate		1,141		1,141		----
Commercial real estate:
Owner-occupied		3,164		2,665		----
Nonowner-occupied		5,229		3,773		----
Construction		993		447		----
Commercial and industrial		9,390		9,077		----
Total	$	20,503	$	17,689	$	98

December 31, 2016	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial real estate:
Owner-occupied	$	5,477	$	5,477	$	2,435
Nonowner-occupied		384		384		100
Commercial and industrial		392		392		241
Consumer:
Home equity		416		416		205
With no related allowance recorded:
Residential real estate		717		717		----
Commercial real estate:
Owner-occupied		3,638		3,091		----
Nonowner-occupied		5,078		3,632		----
Construction		1,001		527		----
Commercial and industrial		8,073		8,073		----
Total	$	25,176	$	22,709	$	2,981

	Three months ended June 30, 2017						Six months ended June 30, 2017
	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:
Nonowner-occupied	$	379	$	5	$	5	$	380	$	14	$	14
Consumer:
Home equity		209		2		2		210		5		5
With no related allowance recorded:
Residential real estate		1,028		12		12		992		20		20
Commercial real estate:
Owner-occupied		2,836		36		36		2,921		120		120
Nonowner-occupied		3,779		21		21		3,730		74		74
Construction		487		5		5		501		108		108
Commercial and industrial		8,990		100		100		8,815		290		290
Total	$	17,708	$	181	$	181	$	17,549	$	631	$	631

	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

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

June 30, 2017	Loans Past Due 90 Days And Still Accruing		Nonaccrual
Residential real estate	$	185	$	3,366
Commercial real estate:
Owner-occupied		----		384
Nonowner-occupied		----		2,713
Construction		----		447
Commercial and industrial		70		468
Consumer:
Automobile		110		30
Home equity		235		17
Other		141		58
Total	$	741	$	7,483

Past Due Financing Receivables [Table Text Block]

June 30, 2017	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	$	4,312	$	1,017	$	2,207	$	7,536	$	297,001	$	304,537
Commercial real estate:
Owner-occupied		1,870		512		234		2,616		73,213		75,829
Nonowner-occupied		83		235		2,478		2,796		90,287		93,083
Construction		191		62		447		700		42,515		43,215
Commercial and industrial		1,075		234		475		1,784		101,166		102,950
Consumer:
Automobile		850		225		140		1,215		63,325		64,540
Home equity		136		232		235		603		20,697		21,300
Other		547		128		200		875		50,576		51,451
Total	$	9,064	$	2,645	$	6,416	$	18,125	$	738,780	$	756,905

December 31, 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	$	3,728	$	953	$	2,201	$	6,882	$	279,140	$	286,022
Commercial real estate:
Owner-occupied		134		366		1,325		1,825		75,780		77,605
Nonowner-occupied		261		18		2,506		2,785		87,747		90,532
Construction		66		52		182		300		45,570		45,870
Commercial and industrial		1,283		483		800		2,566		98,023		100,589
Consumer:
Automobile		1,091		221		126		1,438		58,334		59,772
Home equity		349		45		----		394		20,467		20,861
Other		685		155		46		886		52,764		53,650
Total	$	7,597	$	2,293	$	7,186	$	17,076	$	717,825	$	734,901

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

June 30, 2017	TDR’s Performing to Modified Terms		TDR’s Not Performing to Modified Terms		Total TDR’s
Residential real estate:
Interest only payments	$	706	$	----	$	706
Maturity extension at lower stated rate than market rate		231				231
Credit extension at lower stated rate than market rate		----		204		204
Commercial real estate:
Owner-occupied
Interest only payments		164		----		164
Reduction of principal and interest payments		566		----		566
Maturity extension at lower stated rate than market rate		1,525		----		1,525
Nonowner-occupied
Interest only payments		560		2,179		2,739
Rate reduction		377		----		377
Credit extension at lower stated rate than market rate		572		----		572
Commercial and industrial:
Interest only payments		8,229		----		8,229
Maturity extension at lower stated rate than market rate		770		----		770
Credit extension at lower stated rate than market rate		----		78		78
Consumer:
Home equity
Maturity extension at lower stated rate than market rate		208		----		208
Total TDR’s	$	13,908	$	2,461	$	16,369

December 31, 2016	TDR’s Performing to Modified Terms		TDR’s Not Performing to Modified Terms		Total TDR’s
Residential real estate:
Interest only payments	$	717	$	----	$	717
Commercial real estate:
Owner-occupied
Interest only payments		284		----		284
Rate reduction		----		232		232
Reduction of principal and interest payments		579		----		579
Maturity extension at lower stated rate than market rate		1,582		----		1,582
Nonowner-occupied
Interest only payments		600		2,210		2,810
Rate reduction		384		----		384
Credit extension at lower stated rate than market rate		574		----		574
Commercial and industrial:
Interest only payments		8,074		----		8,074
Credit extension at lower stated rate than market rate		----		391		391
Consumer:
Home equity
Maturity extension at lower stated rate than market rate		213		----		213
Credit extension at lower stated rate than market rate		203		----		203
Total TDR’s	$	13,210	$	2,833	$	16,043

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, 2017	Number of Loans		Pre- Modification Recorded Investment		Post- Modification Recorded Investment		Pre- Modification Recorded Investment		Post- Modification Recorded Investment
Residential real estate		1	$	231	$	231	$	----	$	----
Commercial and industrial		2		770		770		----		----
Total TDR’s		3	$	1,001	$	1,001	$	----	$	----

			TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms
Six months ended June 30, 2017	Number of Loans		Pre- Modification Recorded Investment		Post- Modification Recorded Investment		Pre- Modification Recorded Investment		Post- Modification Recorded Investment
Residential real estate		1	$	231	$	231	$	----	$	----
Commercial and industrial		2		770		770		----		----
Total TDR’s		3	$	1,001	$	1,001	$	----	$	----

			TDR’s Performing to Modified Terms				TDR’s Not Performing to Modified Terms
Six months ended June 30, 2016	Number of Loans		Pre- Modification Recorded Investment		Post- Modification Recorded Investment		Pre- Modification Recorded Investment		Post- Modification Recorded Investment
Commercial real estate:
Nonowner-occupied
Interest only payments		1	$	238	$	238	$	----	$	----
Credit extension at lower stated rate than market rate		1		575		575		----		----
Total TDR’s		2	$	813	$	813	$	----	$	----

Financing Receivable Credit Quality Indicators [Table Text Block]

June 30, 2017	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	64,378	$	2,124	$	9,327	$	75,829
Nonowner-occupied		86,284		2,240		4,559		93,083
Construction		42,504		----		711		43,215
Commercial and industrial		96,611		1,355		4,984		102,950
Total	$	289,777	$	5,719	$	19,581	$	315,077

December 31, 2016	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	66,495	$	428	$	10,682	$	77,605
Nonowner-occupied		83,103		2,364		5,065		90,532
Construction		45,325		----		545		45,870
Commercial and industrial		94,091		188		6,310		100,589
Total	$	289,014	$	2,980	$	22,602	$	314,596

Performing and Nonperforming Loans [Table Text Block]

June 30, 2017	Consumer
	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	64,400	$	21,048	$	51,252	$	300,986	$	437,686
Nonperforming		140		252		199		3,551		4,142
Total	$	64,540	$	21,300	$	51,451	$	304,537	$	441,828

December 31, 2016	Consumer
	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	59,646	$	20,827	$	53,598	$	282,445	$	416,516
Nonperforming		126		34		52		3,577		3,789
Total	$	59,772	$	20,861	$	53,650	$	286,022	$	420,305