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

3 Months Ended

Mar. 31, 2020

Notes Tables

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

Loans are comprised of the following:	March 31,			December 31,
	2020			2019
Residential real estate	$	307,879		$	310,253
Commercial real estate:
Owner-occupied		55,515			55,825
Nonowner-occupied		137,141			131,398
Construction		34,892			34,913
Commercial and industrial		102,570			100,023
Consumer:
Automobile		61,729			63,770
Home equity		21,894			22,882
Other		53,466			53,710
		775,086			772,774
Less: Allowance for loan losses		(8,729	)		(6,272	)
Loans, net	$	766,357		$	766,502

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

March 31, 2020	Residential Real Estate			Commercial Real Estate			Commercial and Industrial			Consumer			Total
Allowance for loan losses:
Beginning balance	$	1,250		$	1,928		$	1,447		$	1,647		$	6,272
Provision for loan losses		926			1,572			624			724			3,846
Loans charged off		(198	)		(516	)		(33	)		(889	)		(1,636	)
Recoveries		24			44			7			172			247
Total ending allowance balance	$	2,002		$	3,028		$	2,045		$	1,654		$	8,729

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

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

March 31, 2020	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	$	----	$	409	$	445	$	----	$	854
Collectively evaluated for impairment		2,002		2,619		1,600		1,654		7,875
Total ending allowance balance	$	2,002	$	3,028	$	2,045	$	1,654	$	8,729
Loans:
Loans individually evaluated for impairment	$	428	$	5,088	$	5,207	$	403	$	11,126
Loans collectively evaluated for impairment		307,451		222,460		97,363		136,686		763,960
Total ending loans balance	$	307,879	$	227,548	$	102,570	$	137,089	$	775,086

December 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	$	----	$	385	$	303	$	119	$	807
Collectively evaluated for impairment		1,250		1,543		1,144		1,528		5,465
Total ending allowance balance	$	1,250	$	1,928	$	1,447	$	1,647	$	6,272
Loans:
Loans individually evaluated for impairment	$	438	$	11,300	$	4,910	$	487	$	17,135
Loans collectively evaluated for impairment		309,815		210,836		95,113		139,875		755,639
Total ending loans balance	$	310,253	$	222,136	$	100,023	$	140,362	$	772,774

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

March 31, 2020	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated
With an allowance recorded
Commercial real estate:
Owner-occupied	$	868	$	868	$	409
Commercial and industrial		1,222		1,222		445
With no related allowance recorded:
Residential real estate		428		428		----
Commercial real estate:
Owner-occupied		3,201		3,201		----
Nonowner-occupied		1,019		1,019		----
Commercial and industrial		3,985		3,985		----
Consumer:
Home equity		403		403		----
Total	$	11,126	$	11,126	$	854

December 31, 2019	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated
With an allowance recorded:
Commercial real estate:
Owner-occupied	$	2,030	$	2,030	$	385
Commercial and industrial		4,861		4,861		303
Consumer:
Automobile		8		8		8
Other		111		111		111
With no related allowance recorded:
Residential real estate		438		438		----
Commercial real estate:
Owner-occupied		1,778		1,778		----
Nonowner-occupied		7,492		7,492		----
Commercial and industrial		49		49		----
Consumer:
Home equity		368		368		----
Total	$	17,135	$	17,135	$	807

	Three months ended March 31, 2020
	Average Impaired Loans		Interest Income Recognized		Cash Basis Interest Recognized
With an allowance recorded
Commercial real estate:
Owner-occupied	$	875	$	9	$	9
Commercial and industrial		611		7		7
With no related allowance recorded:
Residential real estate		433		4		4
Commercial real estate:
Owner-occupied		2,754		48		48
Nonowner-occupied		1,033		11		11
Commercial and industrial		4,279		66		66
Consumer:
Home equity		385		5		5
Total	$	10,370	$	150	$	150

	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
Commercial and industrial		5,258		84		84
Total	$	15,428	$	297	$	297

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

March 31, 2020	Loans Past Due 90 Days And Still Accruing		Nonaccrual
Residential real estate	$	360	$	5,867
Commercial real estate:
Owner-occupied		60		348
Nonowner-occupied		----		724
Construction		----		237
Commercial and industrial		1,192		534
Consumer:
Automobile		116		77
Home equity		----		359
Other		255		49
Total	$	1,983	$	8,195

December 31, 2019	Loans Past Due 90 Days And Still Accruing		Nonaccrual
Residential real estate	$	255	$	6,119
Commercial real estate:
Owner-occupied		----		863
Nonowner-occupied		----		804
Construction		----		229
Commercial and industrial		----		590
Consumer:
Automobile		239		61
Home equity		----		392
Other		395		91
Total	$	889	$	9,149

Financing Receivable, Past Due [Table Text Block]

March 31, 2020	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	$	3,499	$	1,153	$	2,456	$	7,108	$	300,771	$	307,879
Commercial real estate:
Owner-occupied		1,951		----		313		2,264		53,251		55,515
Nonowner-occupied		1,457		----		601		2,058		135,083		137,141
Construction		52		----		68		120		34,772		34,892
Commercial and industrial		287		47		1,726		2,060		100,510		102,570
Consumer:
Automobile		1,200		275		190		1,665		60,064		61,729
Home equity		212		80		255		547		21,347		21,894
Other		519		205		264		988		52,478		53,466
Total	$	9,177	$	1,760	$	5,873	$	16,810	$	758,276	$	775,086

December 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	$	4,015	$	1,314	$	1,782	$	7,111	$	303,142	$	310,253
Commercial real estate:
Owner-occupied		383		59		144		586		55,239		55,825
Nonowner-occupied		12		----		697		709		130,689		131,398
Construction		186		19		49		254		34,659		34,913
Commercial and industrial		1,320		312		241		1,873		98,150		100,023
Consumer:
Automobile		986		329		246		1,561		62,209		63,770
Home equity		106		18		279		403		22,479		22,882
Other		559		139		443		1,141		52,569		53,710
Total	$	7,567	$	2,190	$	3,881	$	13,638	$	759,136	$	772,774

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

March 31, 2020	TDRs Performing to Modified Terms		TDRs Not Performing to Modified Terms		Total TDRs
Residential real estate:
Interest only payments	$	207	$	----	$	207
Commercial real estate:
Owner-occupied
Interest only payments		868		----		868
Reduction of principal and interest payments		1,509		----		1,509
Maturity extension at lower stated rate than market rate		373		----		373
Credit extension at lower stated rate than market rate		391		----		391
Nonowner-occupied
Credit extension at lower stated rate than market rate		394		----		394
Commercial and industrial:
Interest only payments		3,984		----		3,984
Total TDRs	$	7,726	$	----	$	7,726

December 31, 2019	TDRs Performing to Modified Terms		TDRs Not Performing to Modified Terms		Total TDRs
Residential real estate:
Interest only payments	$	209	$	----	$	209
Commercial real estate:
Owner-occupied
Interest only payments		882		----		882
Reduction of principal and interest payments		1,521		----		1,521
Maturity extension at lower stated rate than market rate		393		----		393
Credit extension at lower stated rate than market rate		393		----		393
Nonowner-occupied
Credit extension at lower stated rate than market rate		395		----		395
Commercial and industrial:
Interest only payments		4,574		----		4,574
Reduction of principal and interest payments		185		----		185
Total TDRs	$	8,552	$	----	$	8,552

Troubled Debt Restructurings on Financing Receivables Pre And Post Modification [Table Text Block]

		TDRs Performing to Modified Terms				TDRs 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 TDRs	2	$	1,235	$	1,235	$	----	$	----

Financing Receivable Credit Quality Indicators [Table Text Block]

March 31, 2020	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	47,876	$	1,634	$	6,005	$	55,515
Nonowner-occupied		129,848		6,309		984		137,141
Construction		34,843		----		49		34,892
Commercial and industrial		92,468		4,071		6,031		102,570
Total	$	305,035	$	12,014	$	13,069	$	330,118

December 31, 2019	Pass		Criticized		Classified		Total
Commercial real estate:
Owner-occupied	$	49,486	$	2,889	$	3,450	$	55,825
Nonowner-occupied		123,847		----		7,551		131,398
Construction		34,864		----		49		34,913
Commercial and industrial		89,749		298		9,976		100,023
Total	$	297,946	$	3,187	$	21,026	$	322,159

Performing and Nonperforming Loans [Table Text Block]

March 31, 2020	Consumer
	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	61,536	$	21,535	$	53,162	$	301,652	$	437,885
Nonperforming		193		359		304		6,227		7,083
Total	$	61,729	$	21,894	$	53,466	$	307,879	$	444,968

December 31, 2019	Consumer
	Automobile		Home Equity		Other		Residential Real Estate		Total
Performing	$	63,470	$	22,490	$	53,224	$	303,879	$	443,063
Nonperforming		300		392		486		6,374		7,552
Total	$	63,770	$	22,882	$	53,710	$	310,253	$	450,615