Note 5 - Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2016

Notes Tables

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

(In thousands)	2016			2015
Real estate mortgage loans:
Residential	$	137,842		$	147,933
Land		13,895			12,962
Residential construction		29,561			16,391
Commercial real estate		96,462			84,493
Commercial real estate construction		8,921			1,090
Commercial business loans		24,056			23,095
Consumer loans:
Home equity and second mortgage loans		42,908			38,476
Automobile loans		34,279			28,828
Loans secured by savings accounts		1,879			2,096
Unsecured loans		3,912			4,350
Other consumer loans		9,025			7,210
Gross loans		402,740			366,924
Less undisbursed portion of loans in process		(19,037	)		(4,926	)
Principal loan balance		383,703			361,998
Deferred loan origination fees, net		837			583
Allowance for loan losses		(3,386	)		(3,415	)
Loans, net	$	381,154		$	359,166

Schedule of Related Party Transactions [Table Text Block]

(In thousands)
Beginning balance	$	7,275
New loans		2,897
Payments		(2,328	)
Ending balance	$	7,844

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 and Second Mortgage			Other Consumer			Total
	(In thousands)
Allowance for Loan Losses:
Beginning balance	$	527		$	157		$	47	$	1,541		$	261		$	626		$	256		$	3,415
Provisions		(87	)		(92	)		33		157			187			79			368			645
Charge-offs		(118	)		(9	)		0		(82	)		(264	)		(36	)		(409	)		(918	)
Recoveries		58			0			0		54			14			14			104			244
Ending balance	$	380		$	56		$	80	$	1,670		$	198		$	683		$	319		$	3,386
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	23		$	0		$	0	$	0		$	43		$	13		$	6		$	85
Collectively evaluated for impairment		357			56			80		1,670			155			670			313			3,301
Acquired with deteriorated credit quality		0			0			0		0			0			0			0			0
Ending balance	$	380		$	56		$	80	$	1,670		$	198		$	683		$	319		$	3,386
Recorded Investment in Loans:
Individually evaluated for impairment	$	2,083		$	0		$	0	$	1,217		$	143		$	244		$	20		$	3,707
Collectively evaluated for impairment		135,904			13,951			19,489		95,212			23,983			43,587			49,301			381,427
Acquired with deteriorated credit quality		390			0			0		240			0			0			0			630
Ending balance	$	138,377		$	13,951		$	19,489	$	96,669		$	24,126		$	43,831		$	49,321		$	385,764

	Residential Real Estate			Land			Construction			Commercial Real Estate		Commercial Business			Home Equity and Second Mortgage			Other Consumer			Total
	(In thousands)
Allowance for Loan Losses:
Beginning balance	$	609		$	201		$	60		$	1,501	$	1,480		$	720		$	275		$	4,846
Provisions		35			(44	)		(13	)		6		(23	)		(49	)		138			50
Charge-offs		(128	)		0			0			0		(1,205	)		(78	)		(268	)		(1,679	)
Recoveries		11			0			0			34		9			33			111			198
Ending balance	$	527		$	157		$	47		$	1,541	$	261		$	626		$	256		$	3,415
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
Recorded Investment in Loans:
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

Impaired Financing Receivables [Table Text Block]

	Recorded  Investment		Unpaid  Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
	(In thousands)
Loans with no related allowance recorded :
Residential real estate	$	1,871	$	2,223	$	0	$	1,904	$	26
Land		0		0		0		5		0
Construction		0		0		0		0		3
Commercial real estate		1,217		1,540		0		2,959		60
Commercial business		75		81		0		66		0
Home equity and second mortgage		231		237		0		88		2
Other consumer		0		0		0		4		1
	$	3,394	$	4,081	$	0	$	5,026	$	92
Loans with an allowance recorded :
Residential real estate	$	212	$	217	$	23	$	148	$	0
Land		0		0		0		0		0
Construction		0		0		0		0		0
Commercial real estate		0		0		0		99		0
Commercial business		68		68		43		54		0
Home equity and second mortgage		13		14		13		27		0
Other consumer		20		20		6		22		0
	$	313	$	319	$	85	$	350	$	0
Total :
Residential real estate	$	2,083	$	2,440	$	23	$	2,052	$	26
Land		0		0		0		5		0
Construction		0		0		0		0		3
Commercial real estate		1,217		1,540		0		3,058		60
Commercial business		143		149		43		120		0
Home equity and second mortgage		244		251		13		115		2
Other consumer		20		20		6		26		1
	$	3,707	$	4,400	$	85	$	5,376	$	92

	Recorded  Investment		Unpaid  Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
	(In thousands)
Loans with no related allowance recorded :
Residential real estate	$	1,938	$	2,330	$	0	$	1,356	$	19
Land		24		27		0		20		0
Construction		0		0		0		0		0
Commercial real estate		3,389		3,706		0		2,092		76
Commercial business		67		67		0		19		0
Home equity and second mortgage		56		65		0		64		2
Other consumer		0		0		0		0		0
	$	5,474	$	6,195	$	0	$	3,551	$	97
Loans with an allowance recorded :
Residential real estate	$	58	$	62	$	6	$	190	$	0
Land		0		0		0		0		0
Construction		0		0		0		0		0
Commercial real estate		234		260		49		78		0
Commercial business		100		100		100		355		0
Home equity and second mortgage		80		81		11		80		0
Other consumer		0		0		0		0		0
	$	472	$	503	$	166	$	703	$	0
Total :
Residential real estate	$	1,996	$	2,392	$	6	$	1,546	$	19
Land		24		27		0		20		0
Construction		0		0		0		0		0
Commercial real estate		3,623		3,966		49		2,170		76
Commercial business		167		167		100		374		0
Home equity and second mortgage		136		146		11		144		2
Other consumer		0		0		0		0		0
	$	5,946	$	6,698	$	166	$	4,254	$	97

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

	December 31, 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 real estate	$	1,634	$	55	$	1,689	$	1,648	$	271	$	1,919
Land		0		0		0		24		75		99
Construction		0		0		0		0		0		0
Commercial real estate		924		0		924		2,267		0		2,267
Commercial business		142		0		142		167		0		167
Home equity and second mortgage		226		0		226		116		0		116
Other consumer		20		23		43		0		9		9
Total	$	2,946	$	78	$	3,024	$	4,222	$	355	$	4,577

Past Due Financing Receivables [Table Text Block]

	30-59 Days Past Due		60-89 Days Past Due		Over 90 Days Past Due		Total Past Due		Current		Purchased Credit Impaired Loans		Total Loans
			(In thousands)
Residential real estate	$	2,444	$	707	$	1,021	$	4,172	$	133,815	$	390	$	138,377
Land		0		52		0		52		13,899		0		13,951
Construction		0		0		0		0		19,489		0		19,489
Commercial real estate		0		0		27		27		96,402		240		96,669
Commercial business		155		0		83		238		23,888		0		24,126
Home equity and second mortgage		352		0		13		365		43,466		0		43,831
Other consumer		319		66		43		428		48,893		0		49,321
Total	$	3,270	$	825	$	1,187	$	5,282	$	379,852	$	630	$	385,764

	30-59 Days Past Due		60-89 Days Past Due		Over 90 Days Past Due		Total Past Due		Current		Purchased Credit Impaired Loans		Total Loans
			(In thousands)
Residential real estate	$	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 and second 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 and Second Mortgage		Other Consumer		Total
(In thousands)
December 31, 2016:
Pass	$	135,328	$	13,795	$	19,489	$	87,782	$	23,246	$	43,601	$	49,256	$	372,497
Special mention		403		86		0		1,892		661		0		45		3,087
Substandard		721		70		0		5,991		77		4		0		6,863
Doubtful		1,925		0		0		1,004		142		226		20		3,317
Loss		0		0		0		0		0		0		0		0
Total	$	138,377	$	13,951	$	19,489	$	96,669	$	24,126	$	43,831	$	49,321	$	385,764
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]

	December 31, 2016								December 31, 2015
	Accruing		Nonaccrual		Total		Related Allowance for Loan Losses		Accruing		Nonaccrual		Total		Related Allowance for Loan Losses
	(In thousands)
Residential real estate	$	433	$	229	$	662	$	0	$	342	$	315	$	657	$	0
Commercial real estate		291		168		459		0		1,348		294		1,642		0
Home equity and second mortgage		18		0		18		0		20		0		20		0
Total	$	742	$	397	$	1,139	$	0	$	1,710	$	609	$	2,319	$	0

Schedule of Purchased Credit Impaired Loans [Table Text Block]

(In thousands)	2016		2015
Residential real estate	$	390	$	884
Commercial real estate		240		466
	$	630	$	1,350

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

(In thousands)	2016			2015
Balance at January 1	$	319		$	-
New loans purchased		-			331
Accretion to income		(75	)		(12	)
Disposals of loans		(93	)		-
Reclassification (to) from nonaccretable difference		101			-
Balance at December 31	$	252		$	319

Financing Receivable [Member]

Notes Tables

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

	Residential Real Estate		Land		Construction		Commercial Real Estate			Commercial Business			Home Equity and Second Mortgage		Other Consumer		Total
	(In thousands)
December 31, 2016:
Principal loan balance	$	137,842	$	13,895	$	19,445	$	96,462		$	24,056		$	42,908	$	49,095	$	383,703
Accrued interest receivable		455		42		44		249			67			141		226		1,224
Net deferred loan origination fees and costs		80		14		0		(42	)		3			782		0		837
Recorded investment in loans	$	138,377	$	13,951	$	19,489	$	96,669		$	24,126		$	43,831	$	49,321	$	385,764
December 31, 2015:
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