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

9 Months Ended

Sep. 30, 2019

Notes Tables

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

Loans are comprised of the following:	September 30,			December 31,
	2019			2018
Residential real estate	$	314,761		$	304,079
Commercial real estate:
Owner-occupied		58,062			61,694
Nonowner-occupied		128,698			117,188
Construction		36,307			37,478
Commercial and industrial		100,509			113,243
Consumer:
Automobile		65,195			70,226
Home equity		23,658			22,512
Other		52,863			50,632
		780,053			777,052
Less:  Allowance for loan losses		(6,153	)		(6,728	)
Loans, net	$	773,900		$	770,324

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

September 30, 2019	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,973		$	2,222		$	1,095		$	2,111		$	7,401
Provision for loan losses		(165	)		(536	)		1,193			(48	)		444
Loans charged off		(465	)		----			(1,168	)		(419	)		(2,052	)
Recoveries		80			92			11			177			360
Total ending allowance balance	$	1,423		$	1,778		$	1,131		$	1,821		$	6,153

September 30, 2018	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,886		$	2,392		$	1,242		$	2,119		$	7,639
Provision for loan losses		681			(378	)		197			462			962
Loans charged-off		(184	)		----			(136	)		(722	)		(1,042	)
Recoveries		49			431			80			196			756
Total ending allowance balance	$	2,432		$	2,445		$	1,383		$	2,055		$	8,315

September 30, 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		96			(403	)		1,497			825			2,015
Loans charged off		(872	)		(579	)		(1,512	)		(1,612	)		(4,575	)
Recoveries		616			574			83			712			1,985
Total ending allowance balance	$	1,423		$	1,778		$	1,131		$	1,821		$	6,153

September 30, 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		1,261			(1,041	)		196			1,279			1,695
Loans charged-off		(421	)		(1	)		(140	)		(1,818	)		(2,380	)
Recoveries		122			509			303			567			1,501
Total ending allowance balance	$	2,432		$	2,445		$	1,383		$	2,055		$	8,315

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

September 30, 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	$	----	$	----	$	----	$	----	$	----
Collectively evaluated for impairment		1,423		1,778		1,131		1,821		6,153
Total ending allowance balance	$	1,423	$	1,778	$	1,131	$	1,821	$	6,153
Loans:
Loans individually evaluated for impairment	$	445	$	11,342	$	5,102	$	356	$	17,245
Loans collectively evaluated for impairment		314,316		211,725		95,407		141,360		762,808
Total ending loans balance	$	314,761	$	223,067	$	100,509	$	141,716	$	780,053

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]

September 30, 2019	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated
With an allowance recorded	$	----	$	----	$	----
With no related allowance recorded:
Residential real estate		445		445		----
Commercial real estate:
Owner-occupied		3,244		3,244		----
Nonowner-occupied		9,421		8,098		----
Construction		323		----		----
Commercial and industrial		6,277		5,102		----
Consumer:
Home equity		350		350		----
Other		6		6		----
Total	$	20,066	$	17,245	$	----

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 September 30, 2019						Nine months ended September 30, 2019
	Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized		Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With an allowance recorded	$	----	$	----	$	----	$	----	$	----	$	----
With no related allowance recorded:
Residential real estate		446		4		4		469		20		20
Commercial real estate:
Owner-occupied		3,349		53		53		3,144		167		167
Nonowner-occupied		7,949		142		142		6,243		370		370
Construction		----		5		5		----		15		15
Commercial and industrial		6,089		110		110		6,110		352		352
Consumer:
Home equity		175		15		15		87		15		15
Other		6		----		----		5		----		----
Total	$	18,014	$	329	$	329	$	16,058	$	939	$	939

	Three months ended September 30, 2018						Nine months ended September 30, 2018
	Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized		Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With an allowance recorded:
Residential real estate	$	707	$	----	$	----	$	711	$	----	$	----
Commercial real estate:
Nonowner-occupied		365		3		3		368		12		12
With no related allowance recorded:
Residential real estate		219		4		4		222		34		34
Commercial real estate:
Owner-occupied		2,434		36		36		2,462		105		105
Nonowner-occupied		1,786		11		11		2,154		47		47
Construction		----		5		5		----		15		15
Commercial and industrial		5,753		89		89		5,474		321		321
Total	$	11,264	$	148	$	148	$	11,391	$	534	$	534

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

September 30, 2019	Loans Past Due 90 Days And Still Accruing		Nonaccrual
Residential real estate	$	242	$	6,090
Commercial real estate:
Owner-occupied		151		139
Nonowner-occupied		----		765
Construction		----		187
Commercial and industrial		4		515
Consumer:
Automobile		234		66
Home equity		----		407
Other		305		83
Total	$	936	$	8,252

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]

September 30, 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	$	3,437	$	1,728	$	1,496	$	6,661	$	308,100	$	314,761
Commercial real estate:
Owner-occupied		1,141		----		248		1,389		56,673		58,062
Nonowner-occupied		194		231		338		763		127,935		128,698
Construction		93		----		----		93		36,214		36,307
Commercial and industrial		1,618		8		121		1,747		98,762		100,509
Consumer:
Automobile		1,098		229		245		1,572		63,623		65,195
Home equity		137		24		372		533		23,125		23,658
Other		633		136		312		1,081		51,782		52,863
Total	$	8,351	$	2,356	$	3,132	$	13,839	$	766,214	$	780,053

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]

September 30, 2019	TDR’s Performing to Modified Terms		TDR’s Not Performing to Modified Terms		Total TDR’s
Residential real estate:
Interest only payments	$	211	$	----	$	211
Commercial real estate:
Owner-occupied
Interest only payments		905		----		905
Reduction of principal and interest payments		1,532		----		1,532
Maturity extension at lower stated rate than market rate		412		----		412
Credit extension at lower stated rate than market rate		395		----		395
Nonowner-occupied
Rate reduction		----		258		258
Credit extension at lower stated rate than market rate		556		----		556
Commercial and industrial:
Interest only payments		4,196		133		4,329
Reduction of principal and interest payments		191		----		191
Total TDR’s	$	8,398	$	391	$	8,789

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
Nine months ended September 30, 2019	Number of Loans		Pre- Modification Recorded Investment		Post- Modification Recorded Investment		Pre- Modification Recorded Investment		Post- Modification Recorded Investment
Residential real estate:
Interest only payments		1	$	292	$	292	$	----	$	----
Commercial and Industrial:
Interest only payments		1		282		282
Total TDR’s		2	$	574	$	574	$	----	$	----

Financing Receivable Credit Quality Indicators [Table Text Block]

September 30, 2019	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	50,136	$	4,803	$	3,123	$	58,062
Nonowner-occupied		120,302		----		8,396		128,698
Construction		36,307		----		----		36,307
Commercial and industrial		88,687		1,460		10,362		100,509
Total	$	295,432	$	6,263	$	21,881	$	323,576

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]

September 30, 2019	Consumer
	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	64,895	$	23,251	$	52,475	$	308,429	$	449,050
Nonperforming		300		407		388		6,332		7,427
Total	$	65,195	$	23,658	$	52,863	$	314,761	$	456,477

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