Note 4 - Loans Receivable (Tables)

6 Months Ended

Jun. 30, 2019

Notes Tables

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

	June 30,			December 31,
	2019			2018
	(In Thousands)
Real estate loans:
Residential 1-4 family	$	145,148		$	144,107
Commercial real estate		412,690			328,438
Other loans:
Home equity		55,582			52,159
Consumer		19,181			16,565
Commercial		121,048			76,762
Total		753,649			618,031
Deferred loan fees, net		(1,215	)		(1,098	)
Allowance for loan losses		(7,750	)		(6,600	)
Total loans, net	$	744,684		$	610,333

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

	Residential		Commercial			Home
	1-4 Family		Real Estate			Equity			Consumer			Commercial			Total
	(In Thousands)
Allowance for loan losses:
Beginning balance, April 1, 2019	$	1,301	$	3,923		$	477		$	197		$	1,202		$	7,100
Charge-offs		-		-			(75	)		(4	)		(2	)		(81	)
Recoveries		-		3			-			9			22			34
Provision		-		350			75			22			250			697
Ending balance, June 30, 2019	$	1,301	$	4,276		$	477		$	224		$	1,472		$	7,750
Allowance for loan losses:
Beginning balance, January 1, 2019	$	1,301	$	3,593		$	477		$	190		$	1,039		$	6,600
Charge-offs		-		(20	)		(75	)		(13	)		(97	)		(205	)
Recoveries		-		9			-			15			30			54
Provision		-		694			75			32			500			1,301
Ending balance, June 30, 2019	$	1,301	$	4,276		$	477		$	224		$	1,472		$	7,750
Ending balance, June 30, 2019 allocated to loans individually evaluated for impairment	$	-	$	-		$	-		$	-		$	-		$	-
Ending balance, June 30, 2019 allocated to loans collectively evaluated for impairment	$	1,301	$	4,276		$	477		$	224		$	1,472		$	7,750
Loans receivable:
Ending balance, June 30, 2019	$	145,148	$	412,690		$	55,582		$	19,181		$	121,048		$	753,649
Ending balance, June 30, 2019 of loans individually evaluated for impairment	$	680	$	1,156		$	199		$	132		$	1,462		$	3,629
Ending balance, June 30, 2019 of loans collectively evaluated for impairment	$	144,468	$	411,534		$	55,383		$	19,049		$	119,586		$	750,020

	Residential		Commercial		Home
	1-4 Family		Real Estate		Equity			Consumer			Commercial			Total
	(In Thousands)
Allowance for loan losses:
Beginning balance, April 1, 2018	$	1,301	$	3,202	$	427		$	200		$	1,000		$	6,130
Charge-offs		-		-		-			(23	)		(1	)		(24	)
Recoveries		-		4		-			8			8			20
Provision		-		24		-			-			-			24
Ending balance, June 30, 2018	$	1,301	$	3,230	$	427		$	185		$	1,007		$	6,150
Allowance for loan losses:
Beginning balance, January 1, 2018	$	1,301	$	2,778	$	506		$	225		$	940		$	5,750
Charge-offs		-		-		(80	)		(50	)		(24	)		(154	)
Recoveries		-		7		1			10			10			28
Provision		-		445		-			-			81			526
Ending balance, June 30, 2018	$	1,301	$	3,230	$	427		$	185		$	1,007		$	6,150
Ending balance, June 30, 2018 allocated to loans individually evaluated for impairment	$	-	$	-	$	-		$	-		$	-		$	-
Ending balance, June 30, 2018 allocated to loans collectively evaluated for impairment	$	1,301	$	3,230	$	427		$	185		$	1,007		$	6,150
Loans receivable:
Ending balance, June 30, 2018	$	143,323	$	281,525	$	53,178		$	16,635		$	88,096		$	582,757
Ending balance, June 30, 2018 of loans individually evaluated for impairment	$	573	$	527	$	207		$	101		$	92		$	1,500
Ending balance, June 30, 2018 of loans collectively evaluated for impairment	$	142,750	$	280,998	$	52,971		$	16,534		$	88,004		$	581,257

Financing Receivable Credit Quality Indicators [Table Text Block]

	June 30, 2019
			Special
	Pass		Mention		Substandard		Doubtful		Loss		Total
	(In Thousands)
Real estate loans:
Residential 1-4 family	$	113,896	$	-	$	1,002	$	-	$	-	$	114,898
Residential 1-4 family construction		29,913		-		337		-		-		30,250
Commercial real estate		312,340		1,676		2,596		-		-		316,612
Commercial construction and development		50,027		-		-		-		-		50,027
Farmland		45,821		-		172		58		-		46,051
Other loans:
Home equity		55,383		-		199		-		-		55,582
Consumer		19,010		-		171		-		-		19,181
Commercial		72,341		796		808		63		-		74,008
Agricultural		45,707		73		573		687		-		47,040
Total	$	744,438	$	2,545	$	5,858	$	808	$	-	$	753,649

	December 31, 2018
			Special
	Pass		Mention		Substandard		Doubtful		Loss		Total
	(In Thousands)
Real estate loans:
Residential 1-4 family	$	116,065	$	-	$	874	$	-	$	-	$	116,939
Residential 1-4 family construction		26,533		-		635		-		-		27,168
Commercial real estate		252,731		1,731		2,322		-		-		256,784
Commercial construction and development		41,726		-		13		-		-		41,739
Farmland		29,915		-		-		-		-		29,915
Other loans:
Home equity		51,668		-		491		-		-		52,159
Consumer		16,394		-		171		-		-		16,565
Commercial		57,778		950		244		81		-		59,053
Agricultural		17,305		-		404		-		-		17,709
Total	$	610,115	$	2,681	$	5,154	$	81	$	-	$	618,031

Financing Receivable, Past Due [Table Text Block]

	June 30, 2019
	Loans Past Due and Still Accruing
			90 Days
	30-89 Days		and				Non-Accrual		Current		Total
	Past Due		Greater		Total		Loans		Loans		Loans
	(In Thousands)
Real estate loans:
Residential 1-4 family	$	542	$	50	$	592	$	343	$	113,963	$	114,898
Residential 1-4 family construction		126		-		126		337		29,787		30,250
Commercial real estate		170		-		170		680		315,762		316,612
Commercial construction and development		112		-		112		-		49,915		50,027
Farmland		33		-		33		476		45,542		46,051
Other loans:
Home equity		261		-		261		199		55,122		55,582
Consumer		179		-		179		132		18,870		19,181
Commercial		272		76		348		743		72,917		74,008
Agricultural		67		-		67		719		46,254		47,040
Total	$	1,762	$	126	$	1,888	$	3,629	$	748,132	$	753,649

	December 31, 2018
	Loans Past Due and Still Accruing
			90 Days
	30-89 Days		and				Non-Accrual		Current		Total
	Past Due		Greater		Total		Loans		Loans		Loans
	(In Thousands)
Real estate loans:
Residential 1-4 family	$	381	$	130	$	511	$	253	$	116,175	$	116,939
Residential 1-4 family construction		118		-		118		634		26,416		27,168
Commercial real estate		975		1,347		2,322		432		254,030		256,784
Commercial construction and development		9		-		9		13		41,717		41,739
Farmland		-		-		-		-		29,915		29,915
Other loans:
Home equity		39		-		39		491		51,629		52,159
Consumer		135		-		135		127		16,303		16,565
Commercial		284		-		284		308		58,461		59,053
Agricultural		91		-		91		32		17,586		17,709
Total	$	2,032	$	1,477	$	3,509	$	2,290	$	612,232	$	618,031

Impaired Financing Receivables [Table Text Block]

	June 30, 2019
			Unpaid
	Recorded		Principal		Related
	Investment		Balance		Allowance
	(In Thousands)
Real estate loans:
Residential 1-4 family	$	343	$	373	$	-
Residential 1-4 family construction		337		387		-
Commercial real estate		680		824		-
Commercial construction and development		-		-		-
Farmland		476		513		-
Other loans:
Home equity		199		225		-
Consumer		132		143		-
Commercial		743		854		-
Agricultural		719		768		-
Total	$	3,629	$	4,087	$	-

	December 31, 2018
			Unpaid
	Recorded		Principal		Related
	Investment		Balance		Allowance
Real estate loans:
Residential 1-4 family	$	253	$	277	$	-
Residential 1-4 family construction		634		684		-
Commercial real estate		432		527		-
Commercial construction and development		13		26		-
Farmland		-		-		-
Other loans:
Home equity		491		522		-
Consumer		127		181		-
Commercial		308		310		-
Agricultural		32		32		-
Total	$	2,290	$	2,559	$	-

	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2019		2018		2019		2018
	Average Recorded Investment
	(In Thousands)
Real estate loans:
Residential 1-4 family	$	346	$	553	$	298	$	356
Residential 1-4 family construction		486		396		485		168
Commercial real estate		614		1,026		556		264
Commercial construction and development		-		-		7		-
Farmland		584		-		238		-
Other loans:
Home equity		316		224		345		225
Consumer		130		105		130		127
Commercial		781		127		525		99
Agricultural		822		-		376		-
Total	$	4,079	$	2,431	$	2,960	$	1,239