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Note 7 - Loans and Allowance for Loan Losses (Tables)
 6 Months Ended
Jun. 30, 2017
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
(In thousands)
  
June 30,
2017
    
December 31,
2016
  
                 
Real Estate
 
 
 
 
 
 
 
 
Real estate mortgage – construction and land development
   $
103,884
     $
120,230
  
Real estate mortgage – residential
   
340,213
      
350,295
  
Real estate mortgage – farmland and other commercial enterprises
    
438,945
      
400,367
  
Commercial
 
 
 
 
 
 
 
 
Commercial and industrial
    
58,604
      
48,607
  
States and political subdivisions
    
18,612
      
18,933
  
Other
    
20,565
      
23,308
  
Consumer
 
 
 
 
 
 
 
 
Secured
    
4,184
      
4,554
  
Unsecured
    
4,042
      
4,681
  
Total loans
    
989,049
      
970,975
  
Less unearned income
    
-
      
-
  
Total loans, net of unearned income
  $
989,049
     $
970,975
  
Allowance for Credit Losses on Financing Receivables [Table Text Block]
(In thousands)
  
Real Estate
    
Commercial
    
Consumer
    
Total
  
Three months ended June 30, 2017
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance, beginning of period
   $
8,184
     $
864
     $
459
     $
9,507
  
Provision for loan losses
    
(546
 )    
135
      
(88
 )    
(499
 )
Recoveries
    
398
      
17
      
8
      
423
  
Loans charged off
    
(75
 )    
(116
 )    
(18
 )    
(209
 )
Balance, end of period
   $
7,961
     $
900
     $
361
     $
9,222
  
                                 
Six months e
nded June 30, 2017
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance, beginning of period
   $
8,205
     $
854
     $
285
     $
9,344
  
Provision for loan losses
    
(150
 )    
128
      
103
      
81
  
Recoveries
    
415
      
66
      
19
      
500
  
Loans charged off
    
(509
 )    
(148
 )    
(46
 )    
(703
 )
Balance, end of period
   $
7,961
     $
900
     $
361
     $
9,222
  
(In thousands)
  
Real Estate
    
Commercial
    
Consumer
    
Total
  
Three months ended June 30
, 2016
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance, beginning of period
   $
8,709
     $
839
     $
280
     $
9,828
  
Provision for loan losses
    
(147
 )    
(4
 )    
(5
 )    
(156
 )
Recoveries
    
50
      
19
      
11
      
80
  
Loans charged off
    
(208
 )    
(48
 )    
(11
 )    
(267
 )
Balance, end of period
   $
8,404
     $
806
     $
275
     $
9,485
  
                                 
Six months ended June 30, 2016
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Balance, beginning period
   $
9,173
     $
820
     $
322
     $
10,315
  
Provision for loan losses
    
(600
 )    
(10
 )    
(19
 )    
(629
 )
Recoveries
    
102
      
55
      
43
      
200
  
Loans charged off
    
(271
 )    
(59
 )    
(71
 )    
(401
 )
Balance, end of period
   $
8,404
     $
806
     $
275
     $
9,485
  
Impaired Financing Receivables [Table Text Block]

June 30, 2017 (In thousands)
  
Unpaid
Principal
Balance
    
Recorded
Investment
With No
Allowance
    
Recorded
Investment
With
Allowance
    
Total
Recorded
Investment
    
Allowance
for
Loan Losses
Allocated
  
Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Real estate mortgage – construction and land
development
   $
4,859
     $
2,188
     $
2,043
     $
4,231
     $
406
  
Real estate mortgage – residential
    
11,077
      
3,890
      
7,211
      
11,101
      
1,720
  
Real estate mortgage – farmland and other commercial enterprises
    
23,223
      
8,504
      
14,600
      
23,104
      
280
  
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
    
405
      
-
      
406
      
406
      
225
  
Other
    
25
      
-
      
25
      
25
      
13
  
Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Unsecured
    
329
      
-
      
329
      
329
      
236
  
Total
   $
39,918
     $
14,582
     $
24,614
     $
39,196
     $
2,880
  

December 31, 2016 (In thousands)
  
Unpaid
Principal
Balance
    
Recorded
Investment
With No
Allowance
    
Recorded
Investment
With
Allowance
    
Total
Recorded
Investment
    
Allowance
for
Loan Losses
Allocated
  
Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Real estate mortgage – construction and land development
   $
9,076
     $
2,599
     $
3,800
     $
6,399
     $
759
  
Real estate mortgage – residential
    
9,930
      
4,388
      
5,590
      
9,978
      
1,503
  
Real estate mortgage – farmland and other commercial enterprises
    
25,045
      
9,699
      
15,235
      
24,934
      
304
  
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
    
435
      
20
      
418
      
438
      
236
  
Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Unsecured
    
146
      
-
      
146
      
146
      
146
  
Total
   $
44,632
     $
16,706
     $
25,189
     $
41,895
     $
2,948
  
Three Months Ended June 30,
  
2017
    
2016
  
(In thousands)
  
Average
    
Interest
Income
Recognized
    
Cash Basis
Interest
Recognized
    
Average
    
Interest
Income
Recognized
    
Cash Basis
Interest
Recognized
  
Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Real estate mortgage – construction and land development
   $
4,216
     $
58
     $
58
     $
8,832
     $
108
     $
96
  
Real estate mortgage – residential
    
11,080
      
136
      
134
      
8,619
      
109
      
88
  
Real estate mortgage – farmland and other commercial enterprises
    
24,108
      
296
      
296
      
26,985
      
368
      
353
  
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
    
409
      
4
      
4
      
410
      
7
      
7
  
Other
    
26
      
-
      
-
      
-
      
-
      
-
  
Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Unsecured
    
325
      
4
      
4
      
150
      
1
      
1
  
Total
   $
40,164
     $
498
     $
496
     $
44,996
     $
593
     $
545
  
Six Months Ended June 30,
  
2017
    
2016
  
(In thousands)
  
Average
    
Interest
Income
Recognized
    
Cash Basis
Interest
Recognized
    
Average
    
Interest
Income
Recognized
    
Cash Basis
Interest
Recognized
  
Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Real estate mortgage – construction and land development
   $
5,226
     $
134
     $
133
     $
8,562
     $
155
     $
143
  
Real estate mortgage – residential
    
10,395
      
254
      
251
      
8,827
      
212
      
187
  
Real estate mortgage – farmland and other commercial enterprises
    
24,098
      
598
      
592
      
25,388
      
637
      
616
  
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
    
454
      
11
      
11
      
415
      
11
      
11
  
Other
    
13
      
-
      
-
      
-
      
-
      
-
  
Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Unsecured
    
330
      
9
      
8
      
153
      
3
      
2
  
Total
   $
40,516
     $
1,006
     $
995
     $
43,345
     $
1,018
     $
959
  
Loans and ALL Disaggregated Impairment Method [Table Text Block]
June 30, 2017 (In thousands)
  
Real Estate
    
Commercial
    
Consumer
    
Total
  
Allowance for Loan Losses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending allowance balance attributable to loans:
                                
Individually evaluated for impairment
   $
2,406
     $
238
     $
236
     $
2,880
  
Collectively evaluated for impairment
    
5,555
      
662
      
125
      
6,342
  
Total ending allowance balance
   $
7,961
     $
900
     $
361
     $
9,222
  
                                 
Loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans individually evaluated for impairment
   $
38,436
     $
431
     $
329
     $
39,196
  
Loans collectively evaluated for impairment
    
844,606
      
97,350
      
7,897
      
949,853
  
Total ending loan balance, net of unearned income
   $
883,042
     $
97,781
     $
8,226
     $
989,049
  
December 31, 2016 (In thousands)
  
Real Estate
    
Commercial
    
Consumer
    
Total
  
Allowance for Loan Losses
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Ending allowance balance attributable to loans:
                                
Individually evaluated for impairment
   $
2,566
     $
236
     $
146
     $
2,948
  
Collectively evaluated for impairment
    
5,639
      
618
      
139
      
6,396
  
Total ending allowance balance
   $
8,205
     $
854
     $
285
     $
9,344
  
                                 
Loans
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loans individually evaluated for impairment
   $
41,311
     $
438
     $
146
     $
41,895
  
Loans collectively evaluated for impairment
    
829,581
      
90,410
      
9,089
      
929,080
  
Total ending loan balance, net of unearned income
   $
870,892
     $
90,848
     $
9,235
     $
970,975
  
Non-performing Loans Including TDR's [Table Text Block]
June 3
0, 2017 (In thousands)
  
Nonaccrual
    
Restructured
Loans
    
Loans Past
Due 90 Days
or More and
Still Accruing
  
Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
Real estate mortgage – construction and land development
   $
381
     $
1,961
     $
-
  
Real estate mortgage – residential
    
1,913
      
5,402
      
-
  
Real estate mortgage – farmland and other commercial enterprises
    
1,924
      
14,546
      
-
  
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
    
-
      
374
      
-
  
Other
    
25
      
-
      
-
  
Consumer
 
 
 
 
 
 
 
 
 
 
 
 
Secured
    
11
      
-
      
-
  
Unsecured
    
173
      
132
      
2
  
Total
   $
4,427
     $
22,415
     $
2
  
December 31, 2016 (In thousands)
  
Nonaccrual
    
Restructured
Loans
    
Loans Past
Due 90 Days
or More and
Still Accruing
  
Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
Real estate mortgage – construction and land development
   $
712
     $
3,637
     $
-
  
Real estate mortgage – residential
    
2,316
      
4,006
      
-
  
Real estate mortgage – farmland and other commercial enterprises
    
3,383
      
14,787
      
-
  
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
    
-
      
377
      
-
  
Consumer
 
 
 
 
 
 
 
 
 
 
 
 
Secured
    
4
      
-
      
-
  
Unsecured
    
8
      
135
      
-
  
Total
   $
6,423
     $
22,942
     $
-
  
Past Due Financing Receivables [Table Text Block]
June 30, 2017 (In thousands)
  
30-89
Days
Past Due
    
90 Days
or More
Past Due
    
Total
   
Current
    
Total
Loans
  
Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Real estate mortgage – construction and land development
   $
515
     $
314
     $
829
     $
103,055
     $
103,884
  
Real estate mortgage – residential
    
1,088
      
767
      
1,855
      
338,358
      
340,213
  
Real estate mortgage – farmland and other commercial enterprises
    
145
      
1,090
      
1,235
      
437,710
      
438,945
  
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
    
29
      
-
      
29
      
58,575
      
58,604
  
States and political subdivisions
    
-
      
-
      
-
      
18,612
      
18,612
  
Other
    
2
      
25
      
27
      
20,538
      
20,565
  
Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Secured
    
11
      
-
      
11
      
4,173
      
4,184
  
Unsecured
    
33
      
2
      
35
      
4,007
      
4,042
  
Total
   $
1,823
     $
2,198
     $
4,021
     $
985,028
     $
989,049
  
December 31, 2016 (In thousands)
  
30-89
Days
Past Due
    
90 Days
or More
Past Due
    
Total
   
Current
    
Total
Loans
  
Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Real estate mortgage – construction and land development
   $
393
     $
227
     $
620
     $
119,610
     $
120,230
  
Real estate mortgage – residential
    
1,935
      
798
      
2,733
      
347,562
      
350,295
  
Real estate mortgage – farmland and other commercial enterprises
    
-
      
2,483
      
2,483
      
397,884
      
400,367
  
Commercial
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
    
-
      
-
      
-
      
48,607
      
48,607
  
States and political subdivisions
    
-
      
-
      
-
      
18,933
      
18,933
  
Other
    
24
      
-
      
24
      
23,284
      
23,308
  
Consumer
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Secured
    
13
      
-
      
13
      
4,541
      
4,554
  
Unsecured
    
30
      
8
      
38
      
4,643
      
4,681
  
Total
   $
2,395
     $
3,516
     $
5,911
     $
965,064
     $
970,975
  
Financing Receivable Credit Quality Indicators [Table Text Block]
   
Real Estate
    
Commercial
  
June 30, 2017

(In thousands)
  
Real Estate
Mortgage –
Construction
and Land
Development
    
Real Estate
Mortgage –
Residential
    
Real Estate
Mortgage –
Farmland and
Other Commercial
Enterprises
    
Commercial
and
Industrial
    
States and
Political
Subdivisions
    
Other
  
Credit risk profile by
internally assigned rating grades
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Pass
   $
99,119
     $
314,632
     $
405,637
     $
57,349
     $
18,612
     $
20,518
  
Special Mention
    
511
      
9,794
      
18,579
      
725
  
 
 
-
 
    
22
  
Substandard
    
4,254
      
15,787
      
14,729
      
530
  
 
 
-
 
    
25
  
Doubtful
    
-
      
-
      
-
      
-
  
 
 
-
 
 
 
-
 
Total
   $
103,884
     $
340,213
     $
438,945
     $
58,604
     $
18,612
     $
20,565
  
   
Real Estate
    
Commercial
  
December 31, 2016
(In thousands)
  
Real Estate
Mortgage –
Construction
and Land
Development
    
Real Estate
Mortgage –
Residential
    
Real Estate
Mortgage –
Farmland and
Other Commercial
Enterprises
    
Commercial
and
Industrial
    
States and
Political
Subdivisions
    
Other
  
Credit risk profile by internally assigned rating grades
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Pass
   $
112,435
     $
323,300
     $
363,448
     $
47,254
     $
18,933
     $
23,308
  
Special Mention
    
1,413
      
12,147
      
21,088
      
764
      
-
      
-
  
Substandard
    
6,382
      
14,806
      
15,831
      
589
      
-
      
-
  
Doubtful
    
-
      
42
      
-
      
-
      
-
      
-
  
Total
   $
120,230
     $
350,295
     $
400,367
     $
48,607
     $
18,933
     $
23,308
  
Risk Category of Loans by Class-Consumer [Table Text Block]
   
June 30, 2017
    
December 31, 2016
  
   
Consumer
    
Consumer
  
(In thousands)
  
Secured
    
Unsecured
    
Secured
    
Unsecured
  
Credit risk profile based on payment activity
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Performing
   $
4,173
     $
3,735
     $
4,550
     $
4,538
  
Nonperforming
    
11
      
307
      
4
      
143
  
Total
   $
4,184
     $
4,042
     $
4,554
     $
4,681