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

12 Months Ended

Dec. 31, 2018

Notes Tables

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

	2018			2017
Residential real estate	$	304,079		$	309,163
Commercial real estate:
Owner-occupied		61,694			73,573
Nonowner-occupied		117,188			101,571
Construction		37,478			38,302
Commercial and industrial		113,243			107,089
Consumer:
Automobile		70,226			68,626
Home equity		22,512			21,431
Other		50,632			49,564
		777,052			769,319
Less: Allowance for loan losses		(6,728	)		(7,499	)
Loans, net	$	770,324		$	761,820

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

December 31, 2018	Residential Real Estate			Commercial Real Estate			Commercial & Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,470		$	2,978		$	1,024		$	2,027		$	7,499
Provision for loan losses		772			(1,311	)		(80	)		1,658			1,039
Loans charged off		(874	)		(4	)		(208	)		(2,514	)		(3,600	)
Recoveries		215			523			327			725			1,790
Total ending allowance balance	$	1,583		$	2,186		$	1,063		$	1,896		$	6,728

December 31, 2017	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, 2016	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

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

December 31, 2018	Residential Real Estate		Commercial Real Estate		Commercial & Industrial		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	----	$	98	$	----	$	----	$	98
Collectively evaluated for impairment		1,583		2,088		1,063		1,896		6,630
Total ending allowance balance	$	1,583	$	2,186	$	1,063	$	1,896	$	6,728
Loans:
Loans individually evaluated for impairment	$	1,667	$	3,835	$	7,116	$	----	$	12,618
Loans collectively evaluated for impairment		302,412		212,525		106,127		143,370		764,434
Total ending loans balance	$	304,079	$	216,360	$	113,243	$	143,370	$	777,052

December 31, 2017	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

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

December 31, 2018	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	$	362	$	362	$	98	$	367	$	15	$	15
With no related allowance recorded:
Residential real estate		1,667		1,667		----		511		101		101
Commercial real estate:
Owner-occupied		2,527		2,527		----		2,475		141		141
Nonowner-occupied		2,368		946		----		1,912		57		57
Construction		336		----		----		----		20		20
Commercial and industrial		7,116		7,116		----		5,802		414		414
Total	$	14,376	$	12,618	$	98	$	11,067	$	748	$	748

December 31, 2017	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, 2016	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

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

	Loans Past Due 90 Days And Still Accruing		Nonaccrual
December 31, 2018
Residential real estate	$	19	$	6,661
Commercial real estate:
Owner-occupied		----		470
Nonowner-occupied		362		574
Construction		66		416
Commercial and industrial		31		228
Consumer:
Automobile		270		59
Home equity		91		183
Other		228		86
Total	$	1,067	$	8,677

	Loans Past Due 90 Days And Still Accruing		Nonaccrual
December 31, 2017
Residential real estate	$	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

Past Due Financing Receivables [Table Text Block]

December 31, 2018	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	$	3,369	$	1,183	$	1,642	$	6,194	$	297,885	$	304,079
Commercial real estate:
Owner-occupied		298		----		129		427		61,267		61,694
Nonowner-occupied		299		----		747		1,046		116,142		117,188
Construction		31		----		265		296		37,182		37,478
Commercial and industrial		428		192		110		730		112,513		113,243
Consumer:
Automobile		1,287		286		289		1,862		68,364		70,226
Home equity		171		92		260		523		21,989		22,512
Other		593		291		228		1,112		49,520		50,632
Total	$	6,476	$	2,044	$	3,670	$	12,190	$	764,862	$	777,052

December 31, 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	$	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

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, 2018
Residential real estate:
Interest only payments	$	216	$	----	$	216
Commercial real estate:
Owner-occupied
Interest only payments		968		----		968
Reduction of principal and interest payments		529		----		529
Maturity extension at lower stated rate than market rate		469		----		469
Credit extension at lower stated rate than market rate		402				402
Nonowner-occupied
Interest only payments		----		385		385
Rate reduction		----		362		362
Credit extension at lower stated rate than market rate		561		----		561
Commercial and industrial
Interest only payments		4,742		----		4,742
Total TDR’s	$	7,887	$	747	$	8,634

	TDR’s Performing to Modified Terms		TDR’s Not Performing to Modified Terms		Total TDR’s
December 31, 2017
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

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, 2017
Commercial real estate:
Owner-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, 2016
Commercial real estate:
Nonowner-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, 2018	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	50,474	$	7,724	$	3,496	$	61,694
Nonowner-occupied		115,170		----		2,018		117,188
Construction		37,321		----		157		37,478
Commercial and industrial		92,417		6,536		14,290		113,243
Total	$	295,382	$	14,260	$	19,961	$	329,603

December 31, 2017	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

Performing and Nonperforming Loans [Table Text Block]

	Consumer
December 31, 2018	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	69,897	$	22,238	$	50,318	$	297,399	$	439,852
Nonperforming		329		274		314		6,680		7,597
Total	$	70,226	$	22,512	$	50,632	$	304,079	$	447,449

	Consumer
December 31, 2017	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