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

3 Months Ended

Mar. 31, 2018

Notes Tables

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

(In thousands)	March 31, 2018			December 31, 2017
Real estate mortgage loans:
Residential	$	134,298		$	136,399
Land		21,248			18,198
Residential construction		31,207			28,854
Commercial real estate		95,471			100,133
Commercial real estate contruction		13,261			17,161
Commercial business loans		33,186			34,114
Consumer loans:
Home equity and second mortgage loans		49,423			49,802
Automobile loans		38,809			38,361
Loans secured by savings accounts		1,294			1,751
Unsecured loans		3,553			3,744
Other consumer loans		7,275			8,714
Gross loans		429,025			437,231
Less undisbursed portion of loans in process		(19,155	)		(25,020	)
Principal loan balance		409,870			412,211
Deferred loan origination fees, net		1,040			1,041
Allowance for loan losses		(3,631	)		(3,634	)
Loans, net	$	407,279		$	409,618

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	$	101	$	-	$	-	$	-	$	3	$	13	$	-	$	117
Collectively evaluated for impairment		200		156		291		1,520		273		667		407		3,514
Acquired with deteriorated credit quality		-		-		-		-		-		-		-		-
Ending balance	$	301	$	156	$	291	$	1,520	$	276	$	680	$	407	$	3,631

	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	$	35	$	-	$	-	$	-	$	4	$	13	$	-	$	52
Collectively evaluated for impairment		182		133		245		1,622		287		697		414		3,580
Acquired with deteriorated credit quality		2		-		-		-		-		-		-		2
Ending balance	$	219	$	133	$	245	$	1,622	$	291	$	710	$	414	$	3,634

	Residential Real Estate			Land		Construction		Commercial Real Estate			Commercial Business			Home Equity & 2nd Mtg			Other Consumer			Total
	(In thousands)
Allowance for loan losses:
Beginning balance	$	219		$	133	$	245	$	1,622		$	291		$	710		$	414		$	3,634
Provisions for loan losses		139			23		46		(110	)		(15	)		(33	)		147			197
Charge-offs		(60	)		-		-		-			(1	)		-			(196	)		(257	)
Recoveries		3			-		-		8			1			3			42			57
Ending balance	$	301		$	156	$	291	$	1,520		$	276		$	680		$	407		$	3,631

	Residential Real Estate			Land		Construction		Commercial Real Estate			Commercial Business			Home Equity & 2nd Mtg		Other Consumer			Total
	(In thousands)
Allowance for loan losses:
Beginning balance	$	380		$	56	$	80	$	1,670		$	198		$	683	$	319		$	3,386
Provisions for loan losses		(85	)		53		143		(128	)		85			14		129			211
Charge-offs		(40	)		-		-		(1	)		(43	)		-		(204	)		(288	)
Recoveries		16			-		-		44			4			1		44			109
Ending balance	$	271		$	109	$	223	$	1,585		$	244		$	698	$	288		$	3,418

Impaired Financing Receivables [Table Text Block]

	At March 31, 2018						Three Months Ended March 31, 2018				Three Months Ended March 31, 2017
	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	$	2,525	$	2,760	$	-	$	2,610	$	7	$	2,010	$	8
Land		94		95		-		47		-		-		-
Construction		-		-		-		-		-		-		-
Commercial real estate		365		363		-		383		5		1,150		3
Commercial business		291		292		-		152		4		74		-
Home equity/2nd mortgage		78		86		-		69		-		230		-
Other consumer		8		8		-		4		-		6		-
		3,361		3,604		-		3,265		16		3,470		11
Loans with an allowance recorded:
Residential		278		285		101		245		-		150		-
Land		-		-		-		-		-		-		-
Construction		-		-		-		-		-		-		-
Commercial real estate		-		-		-		-		-		-		-
Commercial business		28		30		3		29		-		59		-
Home equity/2nd mortgage		13		13		13		13		-		13		-
Other consumer		-		-		-		-		-		18		-
		319		328		117		287		-		240		-
Total:
Residential		2,803		3,045		101		2,855		7		2,160		8
Land		94		95		-		47		-		-		-
Construction		-		-		-		-		-		-		-
Commercial real estate		365		363		-		383		5		1,150		3
Commercial business		319		322		3		181		4		133		-
Home equity/2nd mortgage		91		99		13		82		-		243		-
Other consumer		8		8		-		4		-		24		-
	$	3,680	$	3,932	$	117	$	3,552	$	16	$	3,710	$	11

	Recorded Investment		Unpaid Principal Balance		Related Allowance
	(In thousands)
Loans with no related allowance recorded:
Residential	$	2,695	$	2,948	$	-
Land		-		-		-
Construction		-		-		-
Commercial real estate		401		535		-
Commercial business		12		12		-
Home equity/2nd mortgage		60		68		-
Other consumer		-		-		-
		3,168		3,563		-
Loans with an allowance recorded:
Residential		212		218		35
Land		-		-		-
Construction		-		-		-
Commercial real estate		-		-		-
Commercial business		30		30		4
Home equity/2nd mortgage		13		13		13
Other consumer		-		-		-
		255		261		52
Total:
Residential		2,907		3,166		35
Land		-		-		-
Construction		-		-		-
Commercial real estate		401		535		-
Commercial business		42		42		4
Home equity/2nd mortgage		73		81		13
Other consumer		-		-		-
	$	3,423	$	3,824	$	52

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

	March 31, 2018						December 31, 2017
	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	$	2,262	$	100	$	2,362	$	2,298	$	109	$	2,407
Land		94		-		94		-		95		95
Construction		-		-		-		-		-		-
Commercial real estate		104		-		104		139		-		139
Commercial business		139		66		205		42		59		101
Home equity/2nd mortgage		76		-		76		57		-		57
Other consumer		-		13		13		-		28		28
Total	$	2,675	$	179	$	2,854	$	2,536	$	291	$	2,827

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	$	2,108	$	155	$	1,473	$	3,736	$	130,794	$	353	$	134,883
Land		381		-		94		475		20,861		-		21,336
Construction		-		-		-		-		25,354		-		25,354
Commercial real estate		-		233		104		337		95,267		47		95,651
Commercial business		156		-		124		280		33,005		-		33,285
Home equity/2nd mortgage		152		1		13		166		50,422		-		50,588
Other consumer		249		15		13		277		50,844		-		51,121
Total	$	3,046	$	404	$	1,821	$	5,271	$	406,547	$	400	$	412,218

	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	$	2,612	$	338	$	1,255	$	4,205	$	132,405	$	350	$	136,960
Land		186		-		95		281		18,028		-		18,309
Construction		-		-		-		-		21,034		-		21,034
Commercial real estate		379		-		139		518		99,774		48		100,340
Commercial business		46		49		102		197		34,006		-		34,203
Home equity/2nd mortgage		468		27		13		508		50,470		-		50,978
Other consumer		420		37		28		485		52,308		-		52,793
Total	$	4,111	$	451	$	1,632	$	6,194	$	408,025	$	398	$	414,617

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)
March 31, 2018
Pass	$	131,433	$	21,109	$	25,125	$	92,367	$	32,287	$	50,510	$	50,966	$	403,797
Special Mention		395		83		229		1,347		786		-		152		2,992
Substandard		778		50		-		1,833		73		2		3		2,739
Doubtful		2,277		94		-		104		139		76		-		2,690
Loss		-		-		-		-		-		-		-		-
Total	$	134,883	$	21,336	$	25,354	$	95,651	$	33,285	$	50,588	$	51,121	$	412,218
December 31, 2017
Pass	$	133,618	$	18,003	$	20,173	$	97,219	$	33,245	$	50,919	$	52,629	$	405,806
Special Mention		348		157		861		1,362		734		-		161		3,623
Substandard		684		149		-		1,620		182		2		3		2,640
Doubtful		2,310		-		-		139		42		57		-		2,548
Loss		-		-		-		-		-		-		-		-
Total	$	136,960	$	18,309	$	21,034	$	100,340	$	34,203	$	50,978	$	52,793	$	414,617

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	March 31, 2018								December 31, 2017
	Accruing		Nonaccrual		Total		Related Allowance for Loan Losses		Accruing		Nonaccrual		Total		Related Allowance for Loan Losses
	(In thousands)
Troubled debt restructurings:
Residential real estate	$	484	$	106	$	590	$	-	$	487	$	106	$	593	$	-
Commercial real estate		354		-		354		-		356		-		356		-
Commercial business		179		-		179		-		-		-		-		-
Home equity and 2nd mortgage		15		-		15		-		15		-		15		-
Total	$	1,032	$	106	$	1,138	$	-	$	858	$	106	$	964	$	-

Schedule of Troubled Debt Restructurings [Table Text Block]

	Three months ended March 31, 2018
	Number of Contracts		Pre-Modifcation Outstanding Balance		Post-Modifcation Outstanding Balance
	(Dollars in thousands)
Troubled debt restructurings:
Commercial Business		1	$	179	$	179
Total		1	$	179	$	179

Schedule of Purchased Credit Impaired Loans [Table Text Block]

(In thousands)	March 31, 2018		December 31 , 2017
Residential real estate	$	353	$	350
Commercial real estate		47		48
Carrying amount		400		398
Allowance for loan losses		0		2
Carrying amount, net of allowance	$	400	$	396

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

	2018			2017
Balance at beginning of period	$	470		$	252
New loans purchased		-			-
Accretion to income		(14	)		(14	)
Disposals and other adjustments		-			-
Reclassification from nonaccretable difference		3			6
Balance at end of period	$	459		$	244

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 & 2nd Mtg		Other Consumer		Total
	(In thousands)
Recorded Investment in Loans:
Principal loan balance	$	134,298	$	21,248	$	25,313		$	95,471		$	33,186	$	49,423	$	50,931	$	409,870
Accrued interest receivable		494		72		48			221			98		185		190		1,308
Net deferred loan origination fees and costs		91		16		(7	)		(41	)		1		980		-		1,040
Recorded investment in loans	$	134,883	$	21,336	$	25,354		$	95,651		$	33,285	$	50,588	$	51,121	$	412,218
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	$	2,803	$	94	$	-		$	365		$	319	$	91	$	8	$	3,680
Collectively evaluated for impairment		131,727		21,242		25,354			95,239			32,966		50,497		51,113		408,138
Acquired with deteriorated credit quality		353		-		-			47			-		-		-		400
Ending balance	$	134,883	$	21,336	$	25,354		$	95,651		$	33,285	$	50,588	$	51,121	$	412,218

	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	$	136,399	$	18,198	$	20,995		$	100,133		$	34,114	$	49,802	$	52,570	$	412,211
Accrued interest receivable		474		94		49			249			87		189		223		1,365
Net deferred loan origination
fees and costs		87		17		(10	)		(42	)		2		987		-		1,041
Recorded investment in loans	$	136,960	$	18,309	$	21,034		$	100,340		$	34,203	$	50,978	$	52,793	$	414,617
Recorded Investment in Loans as Evaluated for Impairment:
Individually evaluated for impairment	$	2,907	$	-	$	-		$	401		$	42	$	73	$	-	$	3,423
Collectively evaluated for impairment		133,703		18,309		21,034			99,891			34,161		50,905		52,793		410,796
Acquired with deteriorated credit quality		350		-		-			48			-		-		-		398
Ending balance	$	136,960	$	18,309	$	21,034		$	100,340		$	34,203	$	50,978	$	52,793	$	414,617