Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)

9 Months Ended

Sep. 30, 2014

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) [Line Items]

Allowance for Credit Losses on Financing Receivables [Table Text Block]

	Activity in the Allowance for Loan Losses for the Three Months Ended September 30, 2014
	Real Estate Construction			Consumer Real Estate			Commercial Real Estate			Commercial Non Real Estate		Public Sector and IDA		Consumer Non Real Estate			Unallocated		Total
Balance, June 30, 2014	$	663		$	1,554		$	3,790		$	1,056	$	278	$	552		$	78	$	7,971
Charge-offs		---			(27	)		(172	)		---		---		(125	)		---		(324	)
Recoveries		---			---			8			1		---		19			---		28
Provision for loan losses		(79	)		151			49			7		2		163			63		356
Balance, September 30, 2014	$	584		$	1,678		$	3,675		$	1,064	$	280	$	609		$	141	$	8,031

	Activity in the Allowance for Loan Losses for the Nine Months Ended September 30, 2014
	Real Estate Construction			Consumer Real Estate			Commercial Real Estate			Commercial Non Real Estate			Public Sector and IDA		Consumer Non Real Estate			Unallocated			Total
Balance, December 31, 2013	$	863		$	1,697		$	3,685		$	989		$	132	$	576		$	285		$	8,227
Charge-offs		(2	)		(97	)		(1,115	)		(79	)		---		(275	)		---			(1,568	)
Recoveries		---			---			33			132			---		47			---			212
Provision for loan losses		(277	)		78			1,072			22			148		261			(144	)		1,160
Balance, September 30, 2014	$	584		$	1,678		$	3,675		$	1,064		$	280	$	609		$	141		$	8,031

	Activity in the Allowance for Loan Losses for the Three Months Ended September 30, 2013
	Real Estate Construction			Consumer Real Estate			Commercial Real Estate		Commercial Non Real Estate			Public Sector and IDA			Consumer Non Real Estate			Unallocated			Total
Balance, June 30, 2013	$	1,032		$	1,670		$	3,029	$	1,481		$	111		$	513		$	116		$	7,952
Charge-offs		---			(120	)		---		(8	)		---			(68	)		---			(196	)
Recoveries		---			---			8		2			---			21			---			31
Provision for loan losses		(11	)		334			553		(472	)		(6	)		(59	)		(36	)		303
Balance, September 30, 2013	$	1,021		$	1,884		$	3,590	$	1,003		$	105		$	407		$	80		$	8,090

	Activity in the Allowance for Loan Losses for the Nine Months Ended September 30, 2013
	Real Estate Construction			Consumer Real Estate			Commercial Real Estate			Commercial Non Real Estate			Public Sector and IDA			Consumer Non Real Estate			Unallocated		Total
Balance, December 31, 2012	$	1,070		$	2,263		$	3,442		$	959		$	142		$	424		$	49	$	8,349
Charge-offs		(184	)		(219	)		(35	)		(968	)		---			(274	)		---		(1,680	)
Recoveries		---			1			12			18			---			61			---		92
Provision for loan losses		135			(161	)		171			994			(37	)		196			31		1,329
Balance, September 30, 2013	$	1,021		$	1,884		$	3,590		$	1,003		$	105		$	407		$	80	$	8,090

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]

	Allowance for Loan Losses as of September 30, 2014
	Real Estate Construction		Consumer Real Estate		Commercial Real Estate		Commercial Non Real Estate		Public Sector and IDA		Consumer Non Real Estate		Unallocated		Total
Individually evaluated for impairment	$	---	$	13	$	281	$	2	$	---	$	---	$	---	$	296
Collectively evaluated for impairment		584		1,665		3,394		1,062		280		609		141		7,735
Total	$	584	$	1,678	$	3,675	$	1,064	$	280	$	609	$	141	$	8,031

	Allowance for Loan Losses as of December 31, 2013
	Real Estate Construction		Consumer Real Estate		Commercial Real Estate		Commercial Non Real Estate		Public Sector and IDA		Consumer Non Real Estate		Unallocated		Total
Individually evaluated for impairment	$	---	$	10	$	610	$	4	$	---	$	---	$	---	$	624
Collectively evaluated for impairment		863		1,687		3,075		985		132		576		285		7,603
Total	$	863	$	1,697	$	3,685	$	989	$	132	$	576	$	285	$	8,227

	Loans as of September 30, 2014
	Real Estate Construction		Consumer Real Estate		Commercial Real Estate		Commercial Non Real Estate		Public Sector and IDA		Consumer Non Real Estate		Unallocated		Total
Individually evaluated for impairment	$	---	$	686	$	13,804	$	697	$	---	$	---	$	---	$	15,187
Collectively evaluated for impairment		42,067		143,626		299,133		31,527		36,398		28,735		---		581,486
Total loans	$	42,067	$	144,312	$	312,937	$	32,224	$	36,398	$	28,735	$	---	$	596,673

	Loans as of December 31, 2013
	Real Estate Construction		Consumer Real Estate		Commercial Real Estate		Commercial Non Real Estate		Public Sector and IDA		Consumer Non Real Estate		Unallocated		Total
Individually evaluated for impairment	$	---	$	780	$	12,079	$	102	$	---	$	24	$	---	$	12,985
Collectively evaluated for impairment		45,925		144,719		299,187		31,160		34,220		28,399		---		583,610
Total	$	45,925	$	145,499	$	311,266	$	31,262	$	34,220	$	28,423	$	---	$	596,595

Schedule of Ratios for Allowance for Loan Losses [Table Text Block]

	Nine Months Ended September 30,						Year Ended December 31,
	2014			2013			2013
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees		1.35	%		1.37	%		1.38	%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees(1)		0.31	%		0.36	%		0.28	%

Schedule Of Nonperforming Assets [Table Text Block]

	September 30,						December 31,
	2014			2013			2013
Nonperforming assets:
Nonaccrual loans	$	5,366		$	10,194		$	5,732
Restructured loans in nonaccrual		2,360			1,042			852
Total nonperforming loans		7,726			11,236			6,584
Other real estate owned, net		5,145			973			4,712
Total nonperforming assets	$	12,871		$	12,209		$	11,296
Ratio of nonperforming assets to loans, net of unearned income and deferred fees, plus other real estate owned		2.14	%		2.06	%		1.88	%
Ratio of allowance for loan losses to nonperforming loans(1)		103.95	%		72.00	%		124.95	%

Summary Of Past Due 90 Days Loans Or More And Impaired Loans [Table Text Block]

	September 30,						December 31,
	2014			2013			2013
Loans past due 90 days or more and still accruing	$	485		$	149		$	190
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees		0.08	%		0.03	%		0.03	%
Accruing restructured loans	$	5,947		$	6,545		$	6,191
Impaired loans:
Impaired loans with no valuation allowance	$	9,223		$	14,874		$	10,372
Impaired loans with a valuation allowance		5,964			2,172			2,613
Total impaired loans	$	15,187		$	17,046		$	12,985
Valuation allowance		(296	)		(631	)		(624	)
Impaired loans, net of allowance	$	14,891		$	16,415		$	12,361
Average recorded investment in impaired loans(1)	$	15,974		$	17,357		$	16,654
Interest income recognized on impaired loans, after designation as impaired	$	384		$	159		$	267
Amount of income recognized on a cash basis	$	---		$	---		$	---

Impaired Financing Receivable Average Investment and Interest Income [Table Text Block]

	For the Nine Months Ended September 30, 2014
	Average Recorded Investment(1)		Interest Income Recognized
Consumer Real Estate(2)
Residential closed-end first liens	$	385	$	19
Residential closed-end junior liens		251		12
Investor-owned residential real estate		78		4
Commercial Real Estate(2)
Multifamily real estate		2,807		---
Commercial real estate, owner occupied		5,606		153
Commercial real estate, other		6,134		164
Commercial Non Real Estate(2)
Commercial and Industrial		713		32
Consumer Non Real Estate(2)
Automobile		---		---
Total	$	15,974	$	384

	For the Year Ended December 31, 2013
	Average Recorded Investment(1)		Interest Income Recognized
Real Estate Construction(2)
Construction, residential	$	40	$	---
Construction, other		2,885		---
Consumer Real Estate(2)
Residential closed-end first liens		364		3
Residential closed-end junior liens		280		9
Investor-owned residential real estate		131		6
Commercial Real Estate(2)
Multifamily real estate		4,172		---
Commercial real estate, owner occupied		5,265		136
Commercial real estate, other		3,369		110
Commercial Non Real Estate(2)
Commercial and Industrial		117		3
Consumer Non Real Estate(2)
Automobile		31		---
Total	$	16,654	$	267

Past Due Financing Receivables [Table Text Block]

September 30, 2014
	30 – 89 Days Past Due		90 or More Days Past Due		90 or More Days Past Due and Still Accruing		Nonaccruals (Including Impaired Nonaccruals)
Real Estate Construction(1)
Construction, other	$	29	$	---	$	---	$	---
Consumer Real Estate(1)
Equity lines		46		---		---		---
Residential closed-end first liens		1,605		556		457		176
Residential closed-end junior liens		67		---		---		---
Investor-owned residential real estate		284		---		---		15
Commercial Real Estate(1)
Multifamily real estate		715		868		---		2,794
Commercial real estate, owner-occupied		350		1,219		---		1,653
Commercial real estate, other		---		---		---		2,974
Commercial Non Real Estate(1)
Commercial and Industrial		1,102		---		---		114
Consumer Non Real Estate(1)
Credit cards		12		6		6		---
Automobile		234		20		20		---
Other consumer loans		64		2		2		---
Total	$	4,508	$	2,671	$	485	$	7,726

December 31, 2013
	30 – 89 Days Past Due		90 or More Days Past Due		90 or More Days Past Due and Still Accruing		Nonaccruals (Including Impaired Nonaccruals)
Real Estate Construction(1)
Construction, residential	$	45	$	---	$	---	$	---
Construction, other		45		---		---		---
Consumer Real Estate(1)
Residential closed-end first liens		903		252		128		308
Residential closed-end junior liens		10		---		---		---
Investor-owned residential real estate		422		91		---		91
Commercial Real Estate(1)
Multifamily real estate		430		3,278		---		3,278
Commercial real estate, owner occupied		604		2,519		---		2,756
Commercial real estate, other		32		---		---		---
Commercial Non Real Estate(1)
Commercial and Industrial		196		43		---		128
Consumer Non Real Estate(1)
Credit cards		3		13		13		---
Automobile		217		26		2		23
Other consumer loans		49		46		47		---
Total	$	2,956	$	6,268	$	190	$	6,584

Financing Receivable Credit Quality Indicators [Table Text Block]

	Pass		Special Mention		Classified (Excluding Impaired)
Real Estate Construction
Construction, 1-4 family residential	$	18,253	$	---	$	---
Construction, other		23,786		28		---
Consumer Real Estate
Equity lines		16,432		15		46
Closed-end first liens		75,550		926		1,946
Closed-end junior liens		4,558		25		97
Investor-owned residential real estate		43,604		99		328
Commercial Real Estate
Multifamily residential real estate		66,451		---		715
Commercial real estate owner-occupied		138,110		230		936
Commercial real estate, other		91,484		1,186		21
Commercial Non Real Estate
Commercial and Industrial		30,994		121		412
Public Sector and IDA
States and political subdivisions		36,398		---		---
Consumer Non Real Estate
Credit cards		5,903		---		---
Automobile		11,677		128		114
Other consumer		10,904		2		7
Total	$	574,104	$	2,760	$	4,622

	Pass		Special Mention (Excluding Impaired)		Classified (Excluding Impaired)
Real Estate Construction
Construction, 1-4 family residential	$	17,702	$	163	$	45
Construction, other		27,971		29		15
Consumer Real Estate
Equity lines		16,146		16		---
Closed-end first liens		82,767		1,007		1,275
Closed-end junior liens		4,813		109		3
Investor-owned residential real estate		38,071		105		407
Commercial Real Estate
Multifamily residential real estate		67,573		---		958
Commercial real estate owner-occupied		134,137		2,206		701
Commercial real estate, other		89,340		1,209		3,063
Commercial Non Real Estate
Commercial and Industrial		29,987		878		295
Public Sector and IDA
States and political subdivisions		34,220		---		---
Consumer Non Real Estate
Credit cards		6,354		---		---
Automobile		11,428		253		34
Other consumer		10,253		17		60
Total	$	570,762	$	5,992	$	6,856

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Restructurings That Occurred During the Nine Months Ended September 30, 2014
	Number of Contracts		Pre-Modification Outstanding Principal Balance		Post-Modification Outstanding Principal Balance
Commercial Real Estate
Multifamily real estate		1	$	2,484	$	2,484
Commercial real estate, owner occupied		1		184		209
Total		2	$	2,668	$	2,693

	Restructurings That Occurred During the Three Months Ended September 30, 2013
	Number of Contracts		Pre-Modification Outstanding Principal Balance		Post-Modification Outstanding Principal Balance
Consumer Real Estate
Residential closed-end first liens		1	$	241	$	309
Commercial Non Real Estate
Commercial and industrial		1		32		45
Total		2	$	273	$	354

	Restructurings That Occurred During the Nine Months Ended September 30, 2013
	Number of Contracts		Pre-Modification Outstanding Principal Balance		Post-Modification Outstanding Principal Balance
Consumer Real Estate
Residential closed-end first liens		2	$	453	$	525
Residential closed-end junior liens		1		262		267
Commercial Real Estate
Commercial real estate, owner-occupied		1		154		239
Commercial real estate, other		1		3,500		3,500
Commercial Non Real Estate
Commercial and industrial		1		32		45
Total		6	$	4,401	$	4,576

Subsequent Default [Member]

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Restructured Loans That Defaulted And Were Modified Within 12 Months Prior to Default
	Default During the 3 Month Period Ended September 30, 2013						Default During the 9 Month Period Ended September 30, 2013
	Number of Contracts		Principal Balance		Impairment Accrued		Number of Contracts		Principal Balance		Impairment Accrued
Consumer Real Estate
Residential closed-end first liens		1	$	26	$	1		1	$	26	$	1
Residential closed-end junior liens		1		47		---		1		47		---
Commercial Real Estate
Commercial real estate owner-occupied		2		664		352		3		857		352
Commercial Non Real Estate
Commercial and industrial		1		137		---		1		137		---
Total		5	$	874	$	353		6	$	1,067	$	353

Impaired Loans as of June 30, 2014 [Member]

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) [Line Items]

Impaired Financing Receivables [Table Text Block]

	Impaired Loans as of September 30, 2014
	Principal Balance		(A) Total Recorded Investment(1)		Recorded Investment(1) in (A) for Which There is No Related Allowance		Recorded Investment(1) in (A) for Which There is a Related Allowance		Related Allowance
Consumer Real Estate(2)
Residential closed-end first liens	$	392	$	365	$	168	$	197	$	2
Residential closed-end junior liens		244		244		---		244		6
Investor-owned residential real estate		77		77		---		77		5
Commercial Real Estate(2)
Multifamily real estate		2,950		2,794		868		1,926		224
Commercial real estate, owner-occupied		5,036		4,942		4,483		459		25
Commercial real estate, other		6,068		6,068		3,094		2,974		32
Commercial Non Real Estate(2)
Commercial and Industrial		697		697		610		87		2
Consumer Non Real Estate(2)
Automobile		---		---		---		---		---
Total	$	15,464	$	15,187	$	9,223	$	5,964	$	296

Impaired Loans as of December 31, 2013 [Member]

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) [Line Items]

Impaired Financing Receivables [Table Text Block]

	Impaired Loans as of December 31, 2013
	Principal Balance		(A) Total Recorded Investment(1)		Recorded Investment(1) in (A) for Which There is No Related Allowance		Recorded Investment(1) in (A) for Which There is a Related Allowance		Related Allowance
Consumer Real Estate(2)
Residential closed-end first liens	$	440	$	442	$	232	$	210	$	3
Residential closed-end junior liens		259		261		---		261		7
Investor-owned residential real estate		81		82		82		---		---
Commercial Real Estate(2)
Multifamily real estate		3,278		3,274		3,274		---		---
Commercial real estate, owner occupied		5,643		5,645		3,864		1,781		610
Commercial real estate, other		3,158		3,158		3,158		---		---
Commercial Non Real Estate(2)
Commercial and Industrial		102		103		1		102		4
Consumer Non Real Estate(2)
Automobile		24		24		24		---		---
Total	$	12,985	$	12,989	$	10,635	$	2,354	$	624