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

12 Months Ended

Dec. 31, 2017

Notes Tables

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

	201 7			201 6
Residential real estate	$	309,163		$	286,022
Commercial real estate:
Owner-occupied		73,573			77,605
Nonowner-occupied		101,571			90,532
Construction		38,302			45,870
Commercial and industrial		107,089			100,589
Consumer:
Automobile		68,626			59,772
Home equity		21,431			20,861
Other		49,564			53,650
		769,319			734,901
Less: Allowance for loan losses		(7,499	)		(7,699	)
Loans, net	$	761,820		$	727,202

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

December 31, 201 7	Residential Real Estate			Commercial Real Estate			Commercial & Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	939		$	4,315		$	907		$	1,538		$	7,699
Provision for loan losses		1,016			(632	)		658			1,522			2,564
Loans charged off		(745	)		(1,067	)		(627	)		(1,642	)		(4,081	)
Recoveries		260			362			86			609			1,317
Total ending allowance balance	$	1,470		$	2,978		$	1,024		$	2,027		$	7,499

December 31, 201 6	Residential Real Estate			Commercial Real Estate			Commercial & Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,087		$	1,959		$	2,589		$	1,013		$	6,648
Provision for loan losses		(63	)		2,287			(1,112	)		1,714			2,826
Loans charged off		(384	)		(63	)		(586	)		(2,170	)		(3,203	)
Recoveries		299			132			16			981			1,428
Total ending allowance balance	$	939		$	4,315		$	907		$	1,538		$	7,699

December 31, 201 5	Residential Real Estate			Commercial Real Estate			Commercial & Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1, 426		$	4 ,195		$	1, 602		$	1,111		$	8 ,334
Provision for loan losses		103			(469	)		777			679			1 ,090
Loans charged off		( 828	)		( 1,971	)		( 24	)		(1, 428	)		( 4,251	)
Recoveries		38 6			204			234			651			1, 475
Total ending allowance balance	$	1, 087		$	1 ,959		$	2 ,589		$	1, 013		$	6 ,648

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

December 31, 201 7	Residential Real Estate		Commercial Real Estate		Commercial & Industrial		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	----	$	94	$	----	$	----	$	94
Collectively evaluated for impairment		1,470		2,884		1,024		2,027		7,405
Total ending allowance balance	$	1,470	$	2,978	$	1,024	$	2,027	$	7,499
Loans:
Loans individually evaluated for impairment	$	1,420	$	7,333	$	9,154	$	201	$	18,108
Loans collectively evaluated for impairment		307,743		206,113		97,935		139,420		751,211
Total ending loans balance	$	309,163	$	213,446	$	107,089	$	139,621	$	769,319

December 31, 201 6	Residential Real Estate		Commercial Real Estate		Commercial & Industrial		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	----	$	2,535	$	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]

December 31, 201 7	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	$	372	$	372	$	94	$	378	$	17	$	17
With no related allowance recorded:
Residential real estate		1,420		1,420		----		851		66		66
Commercial real estate:
Owner-occupied		3,427		3,427		----		2,456		184		184
Nonowner-occupied		4,989		3,534		----		3,521		81		81
Construction		352		----		----		----		19		19
Commercial and industrial		9,154		9,154		----		8,544		481		481
Consumer:
Home equity		203		201		----		208		7		7
Total	$	19,917	$	18,108	$	94	$	15,958	$	855	$	855

December 31, 201 6	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:
Owner-occupied	$	5,477	$	5,477	$	2,435	$	3,185	$	300	$	300
Nonowner-occupied		384		384		100		390		19		19
Commercial and industrial		392		392		241		391		----		----
Consumer:
Home equity		416		416		205		421		21		21
With no related allowance recorded:
Residential real estate		717		717		----		726		31		31
Commercial real estate:
Owner-occupied		3,638		3,091		----		3,005		178		178
Nonowner-occupied		5,078		3,632		----		3,572		79		79
Construction		1,001		527		----		522		136		136
Commercial and industrial		8,073		8,073		----		7,681		381		381
Total	$	25,176	$	22,709	$	2,981	$	19,893	$	1,145	$	1,145

December 31, 201 5	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:
Owner-occupied	$	204	$	204	$	204	$	204	$	13	$	13
Nonowner-occupied		396		396		107		402		75		75
Commercial and industrial		4,355		4,355		1,850		3,545		149		149
Consumer:
Home equity		218		218		3		219		8		8
With no related allowance recorded:
Residential real estate		1,001		1,001		----		809		45		45
Commercial real estate:
Owner-occupied		3,812		3,265		----		2,747		181		181
Nonowner-occupied		5,178		2,773		----		3,439		49		49
Construction		680		680		----		544		----		----
Commercial and industrial		4,336		4,336		----		3,985		180		180
Total	$	20,180	$	17,228	$	2,164	$	15,894	$	700	$	700

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

	Loans Past Due 90 Days And Still Accruing		Nonaccrual
December 31, 201 7
Residential real e state	$	131	$	5,906
Commercial real estate:
Owner-occupied		----		476
Nonowner-occupied		----		2,454
Construction		----		444
Commercial and industrial		----		337
Consumer:
Automobile		127		86
Home equity		----		283
Other		76		126
Total	$	334	$	10,112

	Loans Past Due 90 Days And Still Accruing		Nonaccrual
December 31, 201 6
Residential real e state	$	132	$	3,445
Commercial real estate:
Owner-occupied		28		1,571
Nonowner-occupied		----		2,506
Construction		----		527
Commercial and industrial		----		867
Consumer:
Automobile		121		5
Home equity		----		34
Other		46		6
Total	$	327	$	8,961

Past Due Financing Receivables [Table Text Block]

December 31, 201 7	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	$	5,383	$	671	$	1,673	$	7,727	$	301,436	$	309,163
Commercial real estate:
Owner-occupied		194		161		160		515		73,058		73,573
Nonowner-occupied		140		----		2,238		2,378		99,193		101,571
Construction		----		----		169		169		38,133		38,302
Commercial and industrial		303		243		191		737		106,352		107,089
Consumer:
Automobile		1,257		346		151		1,754		66,872		68,626
Home equity		90		272		27		389		21,042		21,431
Other		865		218		76		1,159		48,405		49,564
Total	$	8,232	$	1,911	$	4,685	$	14,828	$	754,491	$	769,319

December 31, 201 6	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]

	TDR ’s Performing to Modified Terms		TDR’s Not Performing to Modified Terms		Total TDR ’s
December 31, 201 7
Residential real estate :
Interest only payments	$	697	$	----	$	697
Commercial real estate:
Owner-occupied
Interest only payments		997		----		997
Reduction of principal and interest payments		554		----		554
Maturity extension at lower stated rate than market rate		1,466		----		1,466
Credit extension at lower stated rate than market rate		410				410
Nonowner-occupied
Interest only payments		560		1,961		2,521
Rate reduction		372		----		372
Credit extension at lower stated rate than market rate		570		----		570
Commercial and industrial
Interest only payments		9,154		----		9,154
Consumer:
Home equity
Maturity extension at lower stated rate than market rate		----		201		201
Total TDR ’s	$	14,780	$	2,162	$	16,942

	TDR ’s Performing to Modified Terms		TDR’s Not Performing to Modified Terms		Total TDR ’s
December 31, 201 6
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
	Number of Loans		Pre-Modification Recorded Investment		Post-Modification Recorded Investment		Pre-Modification Recorded Investment		Post-Modification Recorded Investment
December 31, 201 7
Commercial real estate:
O wner-occupied
Interest only payments		1	$	997	$	997	$	----	$	----
Credit extension at lower stated rate than market rate		1		412		412		----		----
Total TDR ’s		2	$	1,409	$	1,409	$	----	$	----

			TDR ’s Performing to Modified Terms				TDR ’s Not Performing to Modified Terms
	Number of Loans		Pre-Modification Recorded Investment		Post-Modification Recorded Investment		Pre-Modification Recorded Investment		Post-Modification Recorded Investment
December 31, 201 6
Commercial real estate:
Nono wner-occupied
Interest only payments		1	$	----	$	----	$	226	$	226
Credit extension at lower stated rate than market rate		1		574		574		----		----
Total TDR ’s		2	$	574	$	574	$	226	$	226

Financing Receivable Credit Quality Indicators [Table Text Block]

December 31, 201 7	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	64,993	$	934	$	7,646	$	73,573
Nonowner-occupied		93,197		3,776		4,598		101,571
Construction		37,735		156		411		38,302
Commercial and industrial		91,097		6,058		9,934		107,089
Total	$	287,022	$	10,924	$	22,589	$	320,535

December 31, 201 6	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]

	Consumer
December 31, 201 7	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	68,413	$	21,148	$	49,362	$	303,126	$	442,049
Nonperforming		213		283		202		6,037		6,735
Total	$	68,626	$	21,431	$	49,564	$	309,163	$	448,784

	Consumer
December 31, 201 6	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