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Note 7 - Loans and Allowance for Loan Losses (Tables)
 9 Months Ended
Sep. 30, 2017
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
             
(
In thousands)
  
September
30,
2017
    
December 31,
2016
  
                 
Real Estate
  
 
 
 
  
 
 
 
Real estate mortgage
– construction and land development
   $
112,005
     $
120,230
  
Real estate mortgage
– residential
   
342,350
      
350,295
  
Real estate mortgage
– farmland and other commercial enterprises
    
427,575
      
400,367
  
Commercial
 
 
 
 
  
 
 
 
Commercial and industrial
    
63,853
      
48,607
  
States and political subdivisions
    
20,250
      
18,933
  
Other
    
20,308
      
23,308
  
Consumer
  
 
 
 
  
 
 
 
Secured
    
4,728
      
4,554
  
Unsecured
    
4,042
      
4,681
  
Total loans
    
995,111
      
970,975
  
Less unearned income
    
-
      
-
  
Total loans, net of unearned income
  $
995,111
     $
970,975
  
                 
Allowance for Credit Losses on Financing Receivables [Table Text Block]
                         
(
In thousands)
  
Real Estate
    
Commercial
    
Consumer
    
Total
  
Three months ended
September
30, 2017
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Balance, beginning of
period
   $
7,961
     $
900
     $
361
     $
9,222
  
Provision for loan losses
    
(376
 )    
25
      
(28
 )    
(379
 )
Recoveries
    
259
      
44
      
27
      
330
  
Loans charged off
    
(16
 )    
(86
 )    
(23
 )    
(125
 )
Balance, end of period
   $
7,828
     $
883
     $
337
     $
9,048
  
                                 
Nine
months e
nded
September
30, 2017
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Balance, beginning of period
   $
8,205
     $
854
     $
285
     $
9,344
  
Provision for loan losses
    
(526
 )    
153
      
75
      
(298
 )
Recoveries
    
674
      
110
      
46
      
830
  
Loans charged off
    
(525
 )    
(234
 )    
(69
 )    
(828
 )
Balance, end of period
   $
7,828
     $
883
     $
337
     $
9,048
  
                                 
                         
(
In thousands)
  
Real Estate
    
Commercial
    
Consumer
    
Total
  
Three months ended
September
30
, 2016
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Balance, beginning of
period
   $
8,404
     $
806
     $
275
     $
9,485
  
Provision for loan losses
    
(425
 )    
203
      
32
      
(190
 )
Recoveries
    
31
      
52
      
9
      
92
  
Loans charged off
    
(88
 )    
(134
 )    
(19
 )    
(241
 )
Balance, end of period
   $
7,922
     $
927
     $
297
     $
9,146
  
                                 
Nine
months ended
September
30, 2016
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Balance,
beginning period
   $
9,173
     $
820
     $
322
     $
10,315
  
Provision for loan losses
    
(1,025
 )    
193
      
13
      
(819
 )
Recoveries
    
133
      
107
      
52
      
292
  
Loans charged off
    
(359
 )    
(193
 )    
(90
 )    
(642
 )
Balance, end of period
   $
7,922
     $
927
     $
297
     $
9,146
  
                                 
Impaired Financing Receivables [Table Text Block]
                               

September 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
   $
4,569
     $
2,003
     $
1,962
     $
3,965
     $
385
  
Real estate mortgage – residential
    
9,985
      
2,807
      
7,207
      
10,014
      
1,650
  
Real estate mortgage – farmland and other commercial enterprises
    
19,961
      
4,342
      
15,494
      
19,836
      
313
  
Commercial
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
    
400
      
-
      
401
      
401
      
219
  
Consumer
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Unsecured
    
313
      
-
      
313
      
313
      
221
  
Total
   $
35,228
     $
9,152
     $
25,377
     $
34,529
     $
2,788
  
                                         
                               

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
September 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
   $
5,932
     $
52
     $
28
     $
7,838
     $
88
     $
88
  
Real estate mortgage – residential
    
10,199
      
139
      
134
      
9,214
      
136
      
136
  
Real estate mortgage – farmland and other commercial enterprises
    
19,166
      
224
      
223
      
26,401
      
292
      
292
  
Commercial
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
    
401
      
6
      
6
      
409
      
4
      
2
  
Consumer
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Unsecured
    
333
      
4
      
4
      
150
      
2
      
2
  
Total
   $
36,031
     $
425
     $
395
     $
44,012
     $
522
     $
520
  
                                                 
             
Nine
Months Ended September 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
   $
5,464
     $
186
     $
161
     $
8,319
     $
243
     $
231
  
Real estate mortgage – residential
    
10,329
      
393
      
385
      
8,957
      
348
      
323
  
Real estate mortgage – farmland and other commercial enterprises
    
22,436
      
822
      
815
      
25,728
      
929
      
908
  
Commercial
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
    
436
      
17
      
17
      
413
      
15
      
13
  
Other
    
8
      
-
      
-
      
-
      
-
      
-
  
Consumer
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Unsecured
    
331
      
13
      
12
      
152
      
5
      
4
  
Total
   $
39,004
     $
1,431
     $
1,390
     $
43,569
     $
1,540
     $
1,479
  
                                                 
Loans and ALL Disaggregated Impairment Method [Table Text Block]
                         
September
3
0
, 2017 (In thousands)
  
Real Estate
    
Commercial
    
Consumer
    
Total
  
Allowance for Loan
Losses
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Ending allowance balance attributable to loans:
                                
Individually evaluated for impairment
   $
2,348
     $
219
     $
221
     $
2,788
  
Collectively evaluated for impairment
    
5,480
      
664
      
116
      
6,260
  
Total ending allowance balance
   $
7,828
     $
883
     $
337
     $
9,048
  
                                 
Loans
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Loans individually evaluated for impairment
   $
33,815
     $
401
     $
313
     $
34,529
  
Loans collectively evaluated for impairment
    
848,115
      
104,010
      
8,457
      
960,582
  
Total ending loan balance, net of unearned income
   $
881,930
     $
104,411
     $
8,770
     $
995,111
  
                                 
                         
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]
                   
 
September
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
   $
380
     $
1,957
     $
-
  
Real estate mortgage – residential
    
1,490
      
5,356
      
-
  
Real estate mortgage – farmland and other commercial enterprises
    
1,908
      
14,461
      
-
  
Commercial
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
    
-
      
372
      
-
  
Consumer
  
 
 
 
  
 
 
 
  
 
 
 
Unsecured
    
171
      
130
      
32
  
Total
   $
3,949
     $
22,276
     $
32
  
                         
                   
 
December 31, 201
6 (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]
                               
September
3
0, 2017 (In thousands)
  
30-8
9
Days
Past Due
    
90 Days
or More
Past Due
    
Total
    
Current
    
Total
Loans
  
Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Real estate mortgage – construction and land development
   $
15
     $
314
     $
329
     $
111,676
     $
112,005
  
Real estate mortgage – residential
    
763
      
476
      
1,239
      
341,111
      
342,350
  
Real estate mortgage – farmland and other commercial enterprises
    
-
      
1,090
      
1,090
      
426,485
      
427,575
  
Commercial
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
    
-
      
-
      
-
      
63,853
      
63,853
  
States and political subdivisions
    
-
      
-
      
-
      
20,250
      
20,250
  
Other
    
-
      
-
      
-
      
20,308
      
20,308
  
Consumer
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Secured
    
-
      
-
      
-
      
4,728
      
4,728
  
Unsecured
    
2
      
-
      
2
      
4,040
      
4,042
  
Total
   $
780
     $
1,880
     $
2,660
     $
992,451
     $
995,111
  
                                         
                               
December 31, 201
6 (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
  
September
3
0, 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
   $
107,517
     $
317,404
     $
399,738
     $
62,964
     $
20,250
     $
19,679
  
Special
Mention
    
408
      
9,591
      
17,564
      
487
    
 
-
      
629
  
Substandard
    
4,080
      
15,355
      
10,273
      
402
    
 
-
      
-
  
Doubtful
    
-
      
-
      
-
      
-
    
 
-
    
 
-
  
Total
   $
112,005
     $
342,350
     $
427,575
     $
63,853
     $
20,250
     $
20,308
  
                                                 
             
   
Real Estate
    
Commercial
  
December 31, 201
6
(In thousands)
  
Real Estate
Mortgage –Construction
and Land Development
    
Real Estate Mortgage
–
Residential
    
Real Estate
Mortgage
–
Farmland and Other Commercial Enterprises
    
Commercia
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]
             
   
September
3
0
, 2017
    
December 31, 201
6
  
   
Consumer
    
Consumer
  
(In thousands)
  
Secured
    
Unsecured
    
Secured
    
Unsecured
  
Credit risk profile based on payment activity
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Performing
   $
4,728
     $
3,709
     $
4,550
     $
4,538
  
Nonperforming
    
-
      
333
      
4
      
143
  
Total
   $
4,728
     $
4,042
     $
4,554
     $
4,681