Note 3 - Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2014

Note 3 - Loans and Allowance for Loan Losses (Tables) [Line Items]

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

(In thousands)	September 30, 2014			December 31, 2013
Real estate mortgage loans:
Residential	$	103,955		$	107,029
Land		10,459			10,309
Residential construction		15,948			14,423
Commercial real estate		79,991			76,496
Commercial real estate contruction		1,118			1,715
Commercial business loans		29,687			21,956
Consumer loans:
Home equity and second mortgage loans		36,656			34,815
Automobile loans		25,520			23,983
Loans secured by savings accounts		1,026			1,138
Unsecured loans		3,416			3,541
Other consumer loans		4,818			4,824
Gross loans		312,594			300,229
Less undisbursed portion of loans in process		(5,723	)		(7,142	)
Principal loan balance		306,871			293,087
Deferred loan origination fees, net		459			341
Allowance for loan losses		(5,055	)		(4,922	)
Loans, net	$	302,275		$	288,506

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

	Residential Real Estate		Land		Construction		Commercial Real Estate		Commercial Business		Home Equity & 2nd Mtg		Other Consumer		Total
	(In thousands)
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	53	$	0	$	0	$	13	$	1,226	$	16	$	0	$	1,308
Collectively evaluated for impairment		772		156		77		1,248		221		929		344		3,747
Acquired with deteriorated credit quality		0		0		0		0		0		0		0		0
Ending balance	$	825	$	156	$	77	$	1,261	$	1,447	$	945	$	344	$	5,055

	Residential Real Estate		Land		Construction		Commercial Real Estate		Commercial Business		Home Equity & 2nd Mtg		Other Consumer		Total
	(In thousands)
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	112	$	0	$	0	$	145	$	1,259	$	13	$	0	$	1,529
Collectively evaluated for impairment		699		152		63		1,139		187		864		289		3,393
Acquired with deteriorated credit quality		0		0		0		0		0		0		0		0
Ending balance	$	811	$	152	$	63	$	1,284	$	1,446	$	877	$	289	$	4,922

	Residential Real Estate			Land		Construction			Commercial Real Estate			Commercial Business			Home Equity & 2nd Mtg			Other Consumer			Total
	(In thousands)
Allowance for loan losses:
Changes in Allowance for Loan Losses for the three-months ended September 30, 2014
Beginning balance	$	843		$	153	$	78		$	1,280		$	1,444		$	932		$	336		$	5,066
Provisions for loan losses		36			3		(1	)		(19	)		(5	)		1			60			75
Charge-offs		(56	)		0		0			0			0			0			(84	)		(140	)
Recoveries		2			0		0			0			8			12			32			54
Ending balance	$	825		$	156	$	77		$	1,261		$	1,447		$	945		$	344		$	5,055
Changes in Allowance for Loan Losses for the nine-months ended September 30, 2014
Beginning balance	$	811		$	152	$	63		$	1,284		$	1,446		$	877		$	289		$	4,922
Provisions for loan losses		148			4		14			(23	)		(12	)		(69	)		128			190
Charge-offs		(140	)		0		0			0			0			(54	)		(172	)		(366	)
Recoveries		6			0		0			0			13			191			99			309
Ending balance	$	825		$	156	$	77		$	1,261		$	1,447		$	945		$	344		$	5,055

	Residential Real Estate			Land			Construction			Commercial Real Estate			Commercial Business		Home Equity & 2nd Mtg			Other Consumer			Total
	(In thousands)
Allowance for loan losses:
Changes in Allowance for Loan Losses for the three-months ended September 30, 2013
Beginning balance	$	905		$	73		$	60		$	1,291		$	1,260	$	894		$	352		$	4,835
Provisions for loan losses		(26	)		(3	)		(10	)		(52	)		210		(13	)		(6	)		100
Charge-offs		0			0			0			(1	)		0		(24	)		(89	)		(114	)
Recoveries		15			0			0			3			4		8			53			83
Ending balance	$	894		$	70		$	50		$	1,241		$	1,474	$	865		$	310		$	4,904
Changes in Allowance for Loan Losses for the nine-months ended September 30, 2013
Beginning balance	$	922		$	71		$	0		$	1,310		$	1,223	$	919		$	291		$	4,736
Provisions for loan losses		211			1			50			3			196		(37	)		151			575
Charge-offs		(298	)		(2	)		0			(89	)		0		(59	)		(260	)		(708	)
Recoveries		59			0			0			17			55		42			128			301
Ending balance	$	894		$	70		$	50		$	1,241		$	1,474	$	865		$	310		$	4,904

Impaired Financing Receivables [Table Text Block]

	At September 30, 2014						Three Months Ended September 30, 2014						Nine Months Ended September 30, 2014
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized		Interest Recognized - Cash Method		Average Recorded Investment		Interest Income Recognized		Interest Recognized - Cash Method
	(In thousands)
Loans with no related allowance recorded:
Residential	$	1,042	$	1,325	$	0	$	1,113	$	8	$	9	$	1,331	$	25	$	31
Land		107		126		0		110		0		0		116		0		0
Construction		0		0		0		0		0		0		65		0		0
Commercial real estate		1,666		1,698		0		1,713		19		18		1,588		53		58
Commercial business		188		209		0		188		0		0		142		0		0
Home equity/2nd mortgage		74		88		0		85		0		0		167		2		1
Other consumer		0		0		0		0		0		0		0		0		0
		3,077		3,446		0		3,209		27		27		3,409		80		90
Loans with an allowance recorded:
Residential		255		299		53		259		0		0		394		0		0
Land		0		0		0		0		0		0		2		0		0
Construction		0		0		0		0		0		0		0		0		0
Commercial real estate		43		66		13		477		0		0		809		0		0
Commercial business		1,676		1,909		1,226		1,676		0		0		1,709		0		0
Home equity/2nd mortgage		96		96		16		48		0		0		38		0		0
Other consumer		0		0		0		0		0		0		0		0		0
		2,070		2,370		1,308		2,460		0		0		2,952		0		0
Total:
Residential		1,297		1,624		53		1,372		8		9		1,725		25		31
Land		107		126		0		110		0		0		118		0		0
Construction		0		0		0		0		0		0		65		0		0
Commercial real estate		1,709		1,764		13		2,190		19		18		2,397		53		58
Commercial business		1,864		2,118		1,226		1,864		0		0		1,851		0		0
Home equity/2nd mortgage		170		184		16		133		0		0		205		2		1
Other consumer		0		0		0		0		0		0		0		0		0
	$	5,147	$	5,816	$	1,308	$	5,669	$	27	$	27	$	6,361	$	80	$	90

	Three Months Ended September 30, 2013						Nine Months Ended September 30, 2013
	Average Recorded Investment		Interest Income Recognized		Interest Recognized - Cash Method		Average Recorded Investment		Interest Income Recognized		Interest Recognized - Cash Method
Loans with no related allowance recorded:
Residential	$	1,041	$	4	$	2	$	1,219	$	8	$	3
Land		125		0		0		125		0		0
Construction		102		0		0		217		0		0
Commercial real estate		138		0		0		471		0		0
Commercial business		0		0		0		0		0		0
Home equity/2nd mortgage		161		2		2		141		3		3
Other consumer		0		0		0		0		0		0
		1,567		6		4		2,173		11		6
Loans with an allowance recorded:
Residential		560		0		0		668		1		0
Land		0		0		0		2		0		0
Construction		0		0		0		0		0		0
Commercial real estate		977		0		0		1,147		0		0
Commercial business		1,872		0		0		1,824		4		3
Home equity/2nd mortgage		55		0		0		54		1		0
Other consumer		0		0		0		0		0		0
		3,464		0		0		3,695		6		3
Total:
Residential		1,601		4		2		1,887		9		3
Land		125		0		0		127		0		0
Construction		102		0		0		217		0		0
Commercial real estate		1,115		0		0		1,618		0		0
Commercial business		1,872		0		0		1,824		4		3
Home equity/2nd mortgage		216		2		2		195		4		3
Other consumer		0		0		0		0		0		0
	$	5,031	$	6	$	4	$	5,868	$	17	$	9

	Recorded Investment		Unpaid Principal Balance		Related Allowance
	(In thousands)
Loans with no related allowance recorded:
Residential	$	1,591	$	1,869	$	0
Land		120		131		0
Construction		0		0		0
Commercial real estate		1,637		1,643		0
Commercial business		189		209		0
Home equity/2nd mortgage		254		268		0
Other consumer		0		0		0
		3,791		4,120		0
Loans with an allowance recorded:
Residential		449		487		112
Land		0		0		0
Construction		0		0		0
Commercial real estate		949		1,048		145
Commercial business		1,709		1,909		1,259
Home equity/2nd mortgage		22		22		13
Other consumer		0		0		0
		3,129		3,466		1,529
Total:
Residential		2,040		2,356		112
Land		120		131		0
Construction		0		0		0
Commercial real estate		2,586		2,691		145
Commercial business		1,898		2,118		1,259
Home equity/2nd mortgage		276		290		13
Other consumer		0		0		0
	$	6,920	$	7,586	$	1,529

Past Due Financing Receivables [Table Text Block]

	September 30, 2014						December 31, 2013
	Nonaccrual Loans		Loans 90+ Days Past Due Still Accruing		Total Nonperforming Loans		Nonaccrual Loans		Loans 90+ Days Past Due Still Accruing		Total Nonperforming Loans
	(In thousands)
Residential	$	802	$	85	$	887	$	1,533	$	180	$	1,713
Land		107		0		107		120		0		120
Construction		0		0		0		0		0		0
Commercial real estate		504		0		504		1,456		0		1,456
Commercial business		1,864		0		1,864		1,898		0		1,898
Home equity/2nd mortgage		148		0		148		252		39		291
Other consumer		0		37		37		0		8		8
Total	$	3,425	$	122	$	3,547	$	5,259	$	227	$	5,486

Financing Receivable Credit Quality Indicators [Table Text Block]

	Residential Real Estate		Land		Construction		Commercial Real Estate		Commercial Business		Home Equity & 2nd Mtg		Other Consumer		Total
	(In thousands)
September 30, 2014
Pass	$	101,786	$	7,282	$	10,776	$	73,983	$	25,077	$	36,956	$	34,857	$	290,717
Special Mention		212		94		592		4,811		2,830		2		54		8,595
Substandard		1,583		3,029		0		859		0		111		16		5,598
Doubtful		802		107		0		504		1,864		148		0		3,425
Loss		0		0		0		0		0		0		0		0
Total	$	104,383	$	10,512	$	11,368	$	80,157	$	29,771	$	37,217	$	34,927	$	308,335
December 31, 2013
Pass	$	103,594	$	7,096	$	9,018	$	71,893	$	19,328	$	34,693	$	33,627	$	279,249
Special Mention		756		0		0		2,627		458		198		27		4,066
Substandard		1,625		3,144		0		690		319		126		0		5,904
Doubtful		1,533		120		0		1,456		1,898		252		0		5,259
Loss		0		0		0		0		0		0		0		0
Total	$	107,508	$	10,360	$	9,018	$	76,666	$	22,003	$	35,269	$	33,654	$	294,478

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	September 30, 2014								December 31, 2013
	Accruing		Nonaccrual		Total		Related Allowance for Loan Losses		Accruing		Nonaccrual		Total		Related Allowance for Loan Losses
	(In thousands)
Troubled debt restructurings:
Residential real estate	$	495	$	169	$	664	$	6	$	508	$	226	$	734	$	45
Commercial real estate		1,205		341		1,546		0		1,130		0		1,130		0
Commercial business		0		1,676		1,676		1,226		0		1,709		1,709		1,259
Home equity and 2nd mortgage		22		0		22		0		24		0		24		0
Total	$	1,722	$	2,186	$	3,908	$	1,232	$	1,662	$	1,935	$	3,597	$	1,304

Schedule of Debtor Troubled Debt Restructuring, Current Period [Table Text Block]

	Three months ended September 30, 2014						Nine months ended September 30, 2013
	Number of Contracts		Pre-Modification Outstanding Balance		Post-Modification Outstanding Balance		Number of Contracts		Pre-Modification Outstanding Balance		Post-Modification Outstanding Balance
	(Dollars in thousands)						(Dollars in thousands)
Troubled debt restructurings:
Commercial real estate		1	$	115	$	115		4	$	657	$	657
Total		1	$	115	$	115		4	$	657	$	657

	Nine months ended September 30, 2013
	Number of Contracts		Pre-Modification Outstanding Balance		Post-Modification Outstanding Balance
	(Dollars in thousands)
Troubled debt restructurings:
Residential real estate		1	$	160	$	160
Total		1	$	160	$	160

Financing Receivable [Member]

Note 3 - Loans and Allowance for Loan Losses (Tables) [Line Items]

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

	Residential Real Estate		Land		Construction			Commercial Real Estate			Commercial Business			Home Equity & 2nd Mtg		Other Consumer		Total
	(In thousands)
Recorded Investment in Loans:
Principal loan balance	$	103,955	$	10,459	$	11,343		$	79,991		$	29,687		$	36,656	$	34,780	$	306,871
Accrued interest receivable		365		50		27			198			91			127		147		1,005
Net deferred loan origination fees and costs		63		3		(2	)		(32	)		(7	)		434		0		459
Recorded investment in loans	$	104,383	$	10,512	$	11,368		$	80,157		$	29,771		$	37,217	$	34,927	$	308,335
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	$	1,297	$	107	$	0		$	1,709		$	1,864		$	170	$	0	$	5,147
Collectively evaluated for impairment		103,086		10,405		11,368			78,448			27,907			37,047		34,927		303,188
Acquired with deteriorated credit quality		0		0		0			0			0			0		0		0
Ending balance	$	104,383	$	10,512	$	11,368		$	80,157		$	29,771		$	37,217	$	34,927	$	308,335

	Residential Real Estate		Land		Construction		Commercial Real Estate			Commercial Business			Home Equity & 2nd Mtg		Other Consumer		Total
	(In thousands)
Recorded Investment in Loans:
Principal loan balance	$	107,029	$	10,309	$	8,996	$	76,496		$	21,956		$	34,815	$	33,486	$	293,087
Accrued interest receivable		427		49		22		202			56			126		168		1,050
Net deferred loan origination fees and costs		52		2		0		(32	)		(9	)		328		0		341
Recorded investment in loans	$	107,508	$	10,360	$	9,018	$	76,666		$	22,003		$	35,269	$	33,654	$	294,478
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	$	2,040	$	120	$	0	$	2,586		$	1,898		$	276	$	0	$	6,920
Collectively evaluated for impairment		105,468		10,240		9,018		74,080			20,105			34,993		33,654		287,558
Acquired with deteriorated credit quality		0		0		0		0			0			0		0		0
Ending balance	$	107,508	$	10,360	$	9,018	$	76,666		$	22,003		$	35,269	$	33,654	$	294,478

Financing Receivable Recorded Investment Current Past Due [Member]

Note 3 - Loans and Allowance for Loan Losses (Tables) [Line Items]

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

	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total Loans
	(In thousands)
Residential	$	2,515	$	580	$	222	$	3,317	$	101,066	$	104,383
Land		187		0		0		187		10,325		10,512
Construction		0		0		0		0		11,368		11,368
Commercial real estate		58		43		0		101		80,056		80,157
Commercial business		0		0		189		189		29,582		29,771
Home equity/2nd mortgage		191		66		132		389		36,828		37,217
Other consumer		190		94		37		321		34,606		34,927
Total	$	3,141	$	783	$	580	$	4,504	$	303,831	$	308,335

	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total Loans
	(In thousands)
Residential	$	3,160	$	830	$	701	$	4,691	$	102,817	$	107,508
Land		162		109		12		283		10,077		10,360
Construction		0		0		0		0		9,018		9,018
Commercial real estate		231		500		49		780		75,886		76,666
Commercial business		0		0		189		189		21,814		22,003
Home equity/2nd mortgage		411		24		132		567		34,702		35,269
Other consumer		296		34		8		338		33,316		33,654
Total	$	4,260	$	1,497	$	1,091	$	6,848	$	287,630	$	294,478