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

3 Months Ended

Mar. 31, 2019

Notes Tables

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

	March 31,			December 31,
	2019			2018
Residential real estate	$	302,391		$	304,079
Commercial real estate:
Owner-occupied		64,553			61,694
Nonowner-occupied		127,105			117,188
Construction		31,848			37,478
Commercial and industrial		114,755			113,243
Consumer:
Automobile		66,999			70,226
Home equity		23,215			22,512
Other		49,778			50,632
		780,644			777,052
Less: Allowance for loan losses		(8,013	)		(6,728	)
Loans, net	$	772,631		$	770,324

Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]

March 31, 2019	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,583		$	2,186		$	1,063		$	1,896		$	6,728
Provision for loan losses		813			393			473			699			2,378
Loans charged off		(329	)		(141	)		(233	)		(658	)		(1,361	)
Recoveries		12			14			12			230			268
Total ending allowance balance	$	2,079		$	2,452		$	1,315		$	2,167		$	8,013

March 31, 2018	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,470		$	2,978		$	1,024		$	2,027		$	7,499
Provision for loan losses		594			(581	)		316			427			756
Loans charged-off		(60	)		(1	)		(4	)		(522	)		(587	)
Recoveries		55			27			37			209			328
Total ending allowance balance	$	2,059		$	2,423		$	1,373		$	2,141		$	7,996

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

March 31, 2019	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	$	89	$	95	$	71	$	6	$	261
Collectively evaluated for impairment		1,990		2,357		1,244		2,161		7,752
Total ending allowance balance	$	2,079	$	2,452	$	1,315	$	2,167	$	8,013
Loans:
Loans individually evaluated for impairment	$	1,745	$	11,278	$	7,443	$	6	$	20,472
Loans collectively evaluated for impairment		300,646		212,228		107,312		139,986		760,172
Total ending loans balance	$	302,391	$	223,506	$	114,755	$	139,992	$	780,644

December 31, 2018	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	$	----	$	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

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

March 31, 2019	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated
With an allowance recorded:
Residential real estate	$	1,295	$	1,295	$	89
Commercial real estate:
Owner-occupied		156		156		----
Nonowner-occupied		358		358		95
Commercial and industrial		1,968		1,968		71
Consumer:
Home equity		6		6		6
With no related allowance recorded:
Residential real estate		450		450		----
Commercial real estate:
Owner-occupied		3,356		3,356		----
Nonowner-occupied		8,830		7,408		----
Construction		332		----		----
Commercial and industrial		5,475		5,475		----
Total	$	22,226	$	20,472	$	261

December 31, 2018	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial real estate:
Nonowner-occupied	$	362	$	362	$	98
With no related allowance recorded:
Residential real estate		1,667		1,667		----
Commercial real estate:
Owner-occupied		2,527		2,527		----
Nonowner-occupied		2,368		946		----
Construction		336		----		----
Commercial and industrial		7,116		7,116		----
Total	$	14,376	$	12,618	$	98

	Three months ended March 31, 2019
	Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With an allowance recorded:
Residential real estate	$	1,255	$	7	$	7
Commercial real estate:
Owner-occupied		78		2		2
Nonowner-occupied		360		----		----
Commercial and industrial		984		36		36
Consumer:
Home equity		3		----		----
With no related allowance recorded:
Residential real estate		451		4		4
Commercial real estate:
Owner-occupied		2,862		52		52
Nonowner-occupied		4,177		112		112
Construction		----		5		5
Commercial and industrial		5,258		84		84
Total	$	15,428	$	302	$	302

	Three months ended March 31, 2018
	Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With an allowance recorded:
Commercial real estate:
Nonowner-occupied	$	371	$	1	$	1
With no related allowance recorded:
Residential real estate		1,550		20		20
Commercial real estate:
Owner-occupied		2,491		34		34
Nonowner-occupied		3,521		20		20
Construction		----		5		5
Commercial and industrial		8,673		124		124
Total	$	16,606	$	204	$	204

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

March 31, 2019	Loans Past Due 90 Days And Still Accruing		Nonaccrual
Residential real estate	$	235	$	6,848
Commercial real estate:
Owner-occupied		----		425
Nonowner-occupied		----		851
Construction		----		332
Commercial and industrial		----		140
Consumer:
Automobile		143		127
Home equity		----		268
Other		99		94
Total	$	477	$	9,085

December 31, 2018	Loans Past Due 90 Days And Still Accruing		Nonaccrual
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

Financing Receivable, Past Due [Table Text Block]

March 31, 2019	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	$	3,516	$	1,809	$	1,489	$	6,814	$	295,577	$	302,391
Commercial real estate:
Owner-occupied		953		151		89		1,193		63,360		64,553
Nonowner-occupied		714		----		669		1,383		125,722		127,105
Construction		----		61		121		182		31,666		31,848
Commercial and industrial		1,024		112		----		1,136		113,619		114,755
Consumer:
Automobile		1,386		274		160		1,820		65,179		66,999
Home equity		162		----		162		324		22,891		23,215
Other		671		222		101		994		48,784		49,778
Total	$	8,426	$	2,629	$	2,791	$	13,846	$	766,798	$	780,644

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

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

March 31, 2019	TDR’s Performing to Modified Terms		TDR’s Not Performing to Modified Terms		Total TDR’s
Residential real estate:
Interest only payments	$	215	$	----	$	215
Commercial real estate:
Owner-occupied
Interest only payments		947		----		947
Reduction of principal and interest payments		1,559		----		1,559
Maturity extension at lower stated rate than market rate		450		----		450
Credit extension at lower stated rate than market rate		400		----		400
Nonowner-occupied
Interest only payments		----		10		10
Rate reduction		----		358		358
Credit extension at lower stated rate than market rate		560		----		560
Commercial and industrial:
Interest only payments		4,886		----		4,886
Reduction of principal and interest payments		199		----		199
Total TDR’s	$	9,216	$	368	$	9,584

December 31, 2018	TDR’s Performing to Modified Terms		TDR’s Not Performing to Modified Terms		Total TDR’s
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

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 March 31, 2019	Number of Loans		Pre-Modification Recorded Investment		Post-Modification Recorded Investment		Pre-Modification Recorded Investment		Post-Modification Recorded Investment
Commercial real estate:
Owner-occupied
Reduction of principal and interest payments		1	$	1,036	$	1,036	$	----	$	----
Commercial and Industrial:
Reduction of principal and interest payments		1		199		199
Total TDR’s		2	$	1,235	$	1,235	$	----	$	----

Financing Receivable Credit Quality Indicators [Table Text Block]

March 31, 2019	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	53,613	$	7,653	$	3,287	$	64,553
Nonowner-occupied		119,130		----		7,975		127,105
Construction		31,848		----		----		31,848
Commercial and industrial		99,986		989		13,780		114,755
Total	$	304,577	$	8,642	$	25,042	$	338,261

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

Performing and Nonperforming Loans [Table Text Block]

March 31, 2019	Consumer
	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	66,729	$	22,947	$	49,585	$	295,308	$	434,569
Nonperforming		270		268		193		7,083		7,814
Total	$	66,999	$	23,215	$	49,778	$	302,391	$	442,383

December 31, 2018	Consumer
	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