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

9 Months Ended

Sep. 30, 2016

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	$	133,929	$	13,195	$	15,325	$	93,798		$	22,888	$	42,093	$	47,696	$	368,924

Accrued interest receivable		440		56		37		263			59		135		189		1,179

Net deferred loan origination fees and costs		73		13		0		(44	)		1		720		0		763

Recorded investment in loans	$	134,442	$	13,264	$	15,362	$	94,017		$	22,948	$	42,948	$	47,885	$	370,866


Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	$	2,034	$	0	$	0	$	2,983		$	61	$	62	$	30	$	5,170
Collectively evaluated for impairment		132,031		13,264		15,362		90,785			22,887		42,886		47,855		365,070
Acquired with deteriorated credit quality		377		0		0		249			0		0		0		626

Ending balance	$	134,442	$	13,264	$	15,362	$	94,017		$	22,948	$	42,948	$	47,885	$	370,866

	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	$	147,933	$	12,962	$	12,555	$	84,493		$	23,095		$	38,476	$	42,484	$	361,998

Accrued interest receivable		584		70		61		281			64			130		171		1,361

Net deferred loan origination fees and costs		58		6		0		(46	)		(6	)		571		0		583

Recorded investment in loans	$	148,575	$	13,038	$	12,616	$	84,728		$	23,153		$	39,177	$	42,655	$	363,942


Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	$	1,996	$	24	$	0	$	3,623		$	167		$	136	$	0	$	5,946
Collectively evaluated for impairment		145,695		13,014		12,616		80,639			22,986			39,041		42,655		356,646
Acquired with deteriorated credit quality		884		0		0		466			0			0		0		1,350

Ending balance	$	148,575	$	13,038	$	12,616	$	84,728		$	23,153		$	39,177	$	42,655	$	363,942

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

	September 30,			December 31,
(In thousands)	2016			2015

Real estate mortgage loans:
Residential	$	133,929		$	147,933
Land		13,195			12,962
Residential construction		26,972			16,391
Commercial real estate		93,798			84,493
Commercial real estate contruction		8,848			1,090
Commercial business loans		22,888			23,095
Consumer loans:
Home equity and second mortgage loans		42,093			38,476
Automobile loans		33,025			28,828
Loans secured by savings accounts		1,819			2,096
Unsecured loans		3,782			4,350
Other consumer loans		9,070			7,210
Gross loans		389,419			366,924
Less undisbursed portion of loans in process		(20,495	)		(4,926	)

Principal loan balance		368,924			361,998

Deferred loan origination fees, net		763			583
Allowance for loan losses		(3,320	)		(3,415	)

Loans, net	$	366,367		$	359,166

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	$	15	$	0	$	0	$	0	$	0	$	13	$	6	$	34
Collectively evaluated for impairment		367		49		63		1,576		141		813		277		3,286
Acquired with deteriorated credit quality		0		0		0		0		0		0		0		0

Ending balance	$	382	$	49	$	63	$	1,576	$	141	$	826	$	283	$	3,320

	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	$	6	$	0	$	0	$	49	$	100	$	11	$	0	$	166
Collectively evaluated for impairment		521		157		47		1,492		161		615		256		3,249
Acquired with deteriorated credit quality		0		0		0		0		0		0		0		0

Ending balance	$	527	$	157	$	47	$	1,541	$	261	$	626	$	256	$	3,415

	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, 2016
Beginning balance	$	408		$	47		$	42	$	1,473		$	162		$	791		$	266		$	3,189
Provisions for loan losses		(29	)		2			21		100			(21	)		31			96			200
Charge-offs		(14	)		0			0		0			0			0			(106	)		(120	)
Recoveries		17			0			0		3			0			4			27			51

Ending balance	$	382		$	49		$	63	$	1,576		$	141		$	826		$	283		$	3,320


Changes in Allowance for Loan Losses for the nine-months ended September 30, 2016
Beginning balance	$	527		$	157		$	47	$	1,541		$	261		$	626		$	256		$	3,415
Provisions for loan losses		(70	)		(99	)		16		96			(9	)		223			268			425
Charge-offs		(108	)		(9	)		0		(82	)		(114	)		(36	)		(325	)		(674	)
Recoveries		33			0			0		21			3			13			84			154

Ending balance	$	382		$	49		$	63	$	1,576		$	141		$	826		$	283		$	3,320

	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, 2015
Beginning balance	$	634		$	173		$	51		$	1,669		$	161		$	648		$	264		$	3,600
Provisions for loan losses		(15	)		(12	)		(2	)		(60	)		19			26			44			0
Charge-offs		(41	)		0			0			0			0			(36	)		(79	)		(156	)
Recoveries		6			0			0			4			5			6			29			50

Ending balance	$	584		$	161		$	49		$	1,613		$	185		$	644		$	258		$	3,494


Changes in Allowance for Loan Losses for the nine-months ended September 30, 2015
Beginning balance	$	609		$	201		$	60		$	1,501		$	1,480		$	720		$	275		$	4,846
Provisions for loan losses		27			(40	)		(11	)		96			(97	)		(20	)		95			50
Charge-offs		(61	)		0			0			0			(1,205	)		(68	)		(203	)		(1,537	)
Recoveries		9			0			0			16			7			12			91			135

Ending balance	$	584		$	161		$	49		$	1,613		$	185		$	644		$	258		$	3,494

Impaired Financing Receivables [Table Text Block]

	At September 30, 2016						Three Months Ended September 30, 2016				Nine Months Ended September 30, 2016
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
	(In thousands)
Loans with no related allowance recorded:
Residential	$	1,914	$	2,260	$	0	$	1,903	$	6	$	1,912	$	20
Land		0		0		0		0		0		6		0
Construction		0		0		0		0		3		0		3
Commercial real estate		2,983		3,412		0		3,396		18		3,394		55
Commercial business		61		66		0		62		0		64		0
Home equity/2nd mortgage		49		55		0		52		0		53		1
Other consumer		10		28		0		7		0		5		0

		5,017		5,821		0		5,420		27		5,434		79

Loans with an allowance recorded:
Residential		120		123		15		157		0		132		0
Land		0		0		0		0		0		0		0
Construction		0		0		0		0		0		0		0
Commercial real estate		0		0		0		87		0		124		0
Commercial business		0		0		0		33		0		50		0
Home equity/2nd mortgage		13		14		13		13		0		30		0
Other consumer		20		20		6		29		0		22		0

		153		157		34		319		0		358		0

Total:
Residential		2,034		2,383		15		2,060		6		2,044		20
Land		0		0		0		0		0		6		0
Construction		0		0		0		0		3		0		3
Commercial real estate		2,983		3,412		0		3,483		18		3,518		55
Commercial business		61		66		0		95		0		114		0
Home equity/2nd mortgage		62		69		13		65		0		83		1
Other consumer		30		48		6		36		0		27		0

	$	5,170	$	5,978	$	34	$	5,739	$	27	$	5,792	$	79

	Three Months Ended September 30, 2015				Nine Months Ended September 30, 2015
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized

Loans with no related allowance recorded:
Residential	$	1,177	$	5	$	1,211	$	14
Land		21		0		19		0
Construction		0		0		0		0
Commercial real estate		1,755		19		1,768		57
Commercial business		0		1		7		1
Home equity/2nd mortgage		62		1		66		1
Other consumer		0		0		0		0

		3,015		26		3,071		73

Loans with an allowance recorded:
Residential		205		0		223		0
Land		0		0		0		0
Construction		0		0		0		0
Commercial real estate		38		0		39		0
Commercial business		0		0		419		0
Home equity/2nd mortgage		80		0		80		0
Other consumer		0		0		0		0

		323		0		761		0

Total:
Residential		1,382		5		1,434		14
Land		21		0		19		0
Construction		0		0		0		0
Commercial real estate		1,793		19		1,807		57
Commercial business		0		1		426		1
Home equity/2nd mortgage		142		1		146		1
Other consumer		0		0		0		0

	$	3,338	$	26	$	3,832	$	73

	Recorded Investment		Unpaid Principal Balance		Related Allowance
	(In thousands)
Loans with no related allowance recorded:
Residential	$	1,938	$	2,330	$	0
Land		24		27		0
Construction		0		0		0
Commercial real estate		3,389		3,706		0
Commercial business		67		67		0
Home equity/2nd mortgage		56		65		0
Other consumer		0		0		0

		5,474		6,195		0

Loans with an allowance recorded:
Residential		58		62		6
Land		0		0		0
Construction		0		0		0
Commercial real estate		234		260		49
Commercial business		100		100		100
Home equity/2nd mortgage		80		81		11
Other consumer		0		0		0

		472		503		166

Total:
Residential		1,996		2,392		6
Land		24		27		0
Construction		0		0		0
Commercial real estate		3,623		3,966		49
Commercial business		167		167		100
Home equity/2nd mortgage		136		146		11
Other consumer		0		0		0

	$	5,946	$	6,698	$	166

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

	September 30, 2016						December 31, 2015
	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	$	1,584	$	27	$	1,611	$	1,648	$	271	$	1,919
Land		0		0		0		24		75		99
Construction		0		177		177		0		0		0
Commercial real estate		1,658		0		1,658		2,267		0		2,267
Commercial business		61		0		61		167		0		167
Home equity/2nd mortgage		44		0		44		116		0		116
Other consumer		30		0		30		0		9		9

Total	$	3,377	$	204	$	3,581	$	4,222	$	355	$	4,577

Past Due Financing Receivables [Table Text Block]

	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Purchased Credit Impaired Loans		Total Loans
	(In thousands)

Residential	$	2,387	$	417	$	928	$	3,732	$	130,333	$	377	$	134,442
Land		152		0		0		152		13,112		0		13,264
Construction		0		0		177		177		15,185		0		15,362
Commercial real estate		0		0		742		742		93,026		249		94,017
Commercial business		119		57		0		176		22,772		0		22,948
Home equity/2nd mortgage		100		269		13		382		42,566		0		42,948
Other consumer		235		115		30		380		47,505		0		47,885

Total	$	2,993	$	858	$	1,890	$	5,741	$	364,499	$	626	$	370,866

	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Purchased Credit Impaired Loans		Total Loans
	(In thousands)

Residential	$	3,078	$	786	$	1,256	$	5,120	$	142,571	$	884	$	148,575
Land		55		26		99		180		12,858		0		13,038
Construction		71		0		0		71		12,545		0		12,616
Commercial real estate		435		773		396		1,604		82,658		466		84,728
Commercial business		0		100		67		167		22,986		0		23,153
Home equity/2nd mortgage		365		6		80		451		38,726		0		39,177
Other consumer		464		13		9		486		42,169		0		42,655

Total	$	4,468	$	1,704	$	1,907	$	8,079	$	354,513	$	1,350	$	363,942

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, 2016
Pass	$	131,029	$	13,105	$	15,362	$	84,107	$	22,023	$	42,703	$	47,782	$	356,111
Special Mention		518		88		0		3,466		864		161		73		5,170
Substandard		1,035		71		0		4,696		0		40		0		5,842
Doubtful		1,860		0		0		1,748		61		44		30		3,743
Loss		0		0		0		0		0		0		0		0

Total	$	134,442	$	13,264	$	15,362	$	94,017	$	22,948	$	42,948	$	47,885	$	370,866

December 31, 2015
Pass	$	140,438	$	10,077	$	12,286	$	76,389	$	22,365	$	38,956	$	42,553	$	343,064
Special Mention		3,657		125		330		4,446		471		0		53		9,082
Substandard		1,948		2,812		0		1,195		150		105		49		6,259
Doubtful		2,532		24		0		2,698		167		116		0		5,537
Loss		0		0		0		0		0		0		0		0

Total	$	148,575	$	13,038	$	12,616	$	84,728	$	23,153	$	39,177	$	42,655	$	363,942

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	September 30, 2016								December 31, 2015
	Accruing		Nonaccrual		Total		Related Allowance for Loan Losses		Accruing		Nonaccrual		Total		Related Allowance for Loan Losses
	(In thousands)
Troubled debt restructurings:
Residential real estate	$	336	$	328	$	664	$	0	$	342	$	315	$	657	$	0
Commercial real estate		1,320		171		1,491		0		1,348		294		1,642		0
Home equity and 2nd mortgage		18		0		18		0		20		0		20		0

Total	$	1,674	$	499	$	2,173	$	0	$	1,710	$	609	$	2,319	$	0

Schedule of Purchased Credit Impaired Loans [Table Text Block]

(In thousands)	September 30, 2016		December 31, 2015

Residential real estate	$	377	$	884
Commercial real estate		249		466
Carrying amount		626		1,350
Allowance for loan losses		-		-

Carrying amount, net of allowance	$	626	$	1,350

Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Table Text Block]

(In thousands)	Three Months Ended September 30, 2016			Nine Months Ended September 30, 2016

Balance at beginning of period	$	165		$	319
New loans purchased		-			-
Accretion to income		(17	)		(61	)
Disposals and other adjustments		(19	)		(93	)
Reclassification (to) from nonaccretable difference		42			6

Balance at end of period	$	171		$	171