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Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)

12 Months Ended

Dec. 31, 2014

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) [Line Items]

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

		Years ended December 31,
		2014				2013				2012
Balance at beginning of year		$	8,227			$	8,349			$	8,068
Loans charged off			(1,860	)			(1,820	)			(2,953	)
Recoveries of loans previously charged off			255				167				100
Provision for loan losses			1,641				1,531				3,134
Balance at end of year		$	8,263			$	8,227			$	8,349

Activity in the Allowance for Loan Losses by Segment for the year ended December 31, 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

)

(222

)

(1,201

)

(89

)

---

(346

)

---

(1,860

)

Recoveries

---

---

50

132

---

73

---

255

Provision for loan losses

(249

)

187

1,003

443

195

299

(237

)

1,641

Balance, December 31, 2014

$

612

$

1,662

$

3,537

$

1,475

$

327

$

602

$

48

$

8,263

		Activity in the Allowance for Loan Losses by Segment for the year ended 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
Balance, December 31, 2012		$	1,070			$	2,263			$	3,442			$	959			$	142			$	424			$	49			$	8,349
Charge-offs			(184	)			(256	)			(64	)			(968	)			---				(348	)			---				(1,820	)
Recoveries			44				1				25				18				---				79				---				167
Provision for loan losses			(67	)			(311	)			282				980				(10	)			421				236				1,531
Balance, December 31, 2013		$	863			$	1,697			$	3,685			$	989			$	132			$	576			$	285			$	8,227

		Activity in the Allowance for Loan Losses by Segment for the year ended December 31, 2012
		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, 2011		$	1,079			$	1,245			$	3,515			$	1,473			$	232			$	403			$	121			$	8,068
Charge-offs			(640	)			(370	)			(1,589	)			(109	)			---				(245	)			---				(2,953	)
Recoveries			13				8				---				2				---				77				---				100
Provision for loan losses			618				1,380				1,516				(407	)			(90	)			189				(72	)			3,134
Balance, December 31, 2012		$	1,070			$	2,263			$	3,442			$	959			$	142			$	424			$	49			$	8,349

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

Allowance for Loan Losses by Segment and Evaluation Method as of

December 31, 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

$

---

$

14

$

258

$

10

$

---

$

---

$

---

$

282

Collectively evaluated for impairment

612

1,648

3,279

1,465

327

602

48

7,981

Total

$

612

$

1,662

$

3,537

$

1,475

$

327

$

602

$

48

$

8,263

Loans by Segment and Evaluation Method as of

December 31, 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

$

---

$

819

$

13,624

$

678

$

---

$

---

$

---

$

15,121

Collectively evaluated for impairment

45,562

146,220

297,138

32,735

41,361

28,182

---

591,198

Total

$

45,562

$

147,039

$

310,762

$

33,413

$

41,361

$

28,182

$

---

$

606,319

		Allowance for Loan Losses by Segment and Evaluation Method 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 by Segment and Evaluation Method 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]

		December 31,
		2014				2013
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees			1.36	%			1.38	%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees			0.27	%			0.28	%

Schedule of Nonperforming Assets [Table Text Block]

		December 31,
		2014				2013
Nonperforming assets:
Nonaccrual loans		$	3,999			$	5,732
Restructured loans in nonaccrual			5,288				852
Total nonperforming loans			9,287				6,584
Other real estate owned, net			4,744				4,712
Total nonperforming assets		$	14,031			$	11,296
Ratio of nonperforming assets to loans, net of unearned income and deferred fees, plus other real estate owned			2.30	%			1.88	%
Ratio of allowance for loan losses to nonperforming loans⁽¹⁾			88.97	%			124.95	%

Summary of Past Due 90 Days Loans Or More and Impaired Loans [Table Text Block]

		December 31,
		2014				2013
Loans past due 90 days or more and still accruing		$	207			$	190
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees			0.03	%			0.03	%
Accruing restructured loans		$	6,040			$	6,191
Impaired loans:
Impaired loans with no valuation allowance		$	7,615			$	10,372
Impaired loans with a valuation allowance			7,506				2,613
Total impaired loans			15,121				12,985
Valuation allowance			(282	)			(624	)
Impaired loans, net of allowance		$	14,839			$	12,361
Average recorded investment in impaired loans⁽¹⁾		$	16,311			$	16,654
Income recognized on impaired loans, after designation as impaired		$	473			$	267
Amount of income recognized on a cash basis		$	---			$	---

Impaired Financing Receivables [Table Text Block]

Impaired Loans as of December 31, 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

530

503

311

192

2

Residential closed-end junior liens

239

239

---

239

8

Investor-owned residential real estate

77

77

---

77

4

Commercial Real Estate⁽²⁾

Multifamily real estate

2,911

2,735

868

1,866

170

Commercial real estate, owner occupied

4,919

4,821

3,314

1,508

74

Commercial real estate, other

6,080

6,068

3,072

2,996

14

Commercial Non Real Estate⁽²⁾

Commercial and Industrial

678

678

50

628

10

Total

$

15,434

$

15,121

$

7,615

$

7,506

$

282

		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

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

		Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2014
		Average Recorded Investment⁽¹⁾				Interest Income Recognized
Consumer Real Estate⁽²⁾
Residential closed-end first liens			555				31
Residential closed-end junior liens			249				16
Investor-owned residential real estate			77				5

Commercial Real Estate⁽²⁾
Multifamily real estate			2,773				---
Commercial real estate, owner occupied			5,836				203
Commercial real estate, other			6,114				175

Commercial Non Real Estate⁽²⁾
Commercial and Industrial			707				43
Total		$	16,311			$	473

		Average Investment and Interest Income for Impaired Loans 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

		Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2012
		Average Recorded Investment⁽¹⁾				Interest Income Recognized
Real Estate Construction⁽²⁾
Construction, residential		$	1,171				---
Construction, other			4,290				1

Consumer Real Estate⁽²⁾
Equity lines			101				---
Residential closed-end first liens			873				2
Residential closed-end junior liens			234				---

Commercial Real Estate⁽²⁾
Multifamily real estate			1,466				5
Commercial real estate, owner occupied			4,806				1

Commercial Non Real Estate⁽²⁾
Commercial and Industrial			570				---

Consumer Non Real Estate⁽²⁾
Automobile			4				---
Other consumer			25				---
Total		$	13,540			$	9

Past Due Financing Receivables [Table Text Block]

December 31, 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

Construction, residential

$

---

$

---

$

---

$

---

Construction, other

28

---

---

---

Consumer Real Estate

Equity lines

25

---

---

---

Residential closed-end first liens

719

185

80

105

Residential closed-end junior liens

74

1

1

---

Investor-owned residential real estate

336

45

---

59

Commercial Real Estate

Multifamily real estate

850

868

---

2,735

Commercial real estate, owner occupied

---

1,066

102

2,573

Commercial real estate, other

---

70

---

3,066

Commercial Non Real Estate

Commercial and Industrial

153

43

---

749

Public Sector and IDA

Public sector and IDA

---

---

---

---

Consumer Non Real Estate

Credit cards

3

4

4

---

Automobile

205

20

20

---

Other consumer loans

54

---

---

---

Total

$

2,447

$

2,302

$

207

$

9,287

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
Construction, residential		$	45			$	---			$	---			$	---
Construction, other			45				---				---				---

Consumer Real Estate
Equity lines			---				---				---				---
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
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
Commercial and Industrial			196				43				---				128

Public Sector and IDA
Public sector and IDA			---				---				---				---

Consumer Non Real Estate
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]

December 31, 2014

Pass

Special Mention

(Excluding Impaired)

Classified

(Excluding Impaired)

Real Estate Construction

Construction, 1-4 family residential

$

14,222

$

---

$

2,265

Construction, other

29,047

---

28

Consumer Real Estate

Equity lines

15,861

59

60

Closed-end first liens

78,806

1,566

1,412

Closed-end junior liens

4,258

21

95

Investor-owned residential real estate

42,781

688

614

Commercial Real Estate

Multifamily residential real estate

73,611

1,397

850

Commercial real estate owner-occupied

125,643

202

2,855

Commercial real estate, other

90,821

1,177

582

Commercial Non Real Estate

Commercial and Industrial

31,247

97

1,390

Public Sector and IDA

States and political subdivisions

41,361

---

---

Consumer Non Real Estate

Credit cards

5,705

---

---

Automobile

11,505

93

128

Other consumer

10,745

---

6

Total

$

575,613

$

5,300

$

10,285

December 31, 2013
		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			24,220				---				---

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 year ended

December 31, 2014

Number of Contracts

Pre-Modification Outstanding Recorded Investment

Post-Modification Outstanding Recorded Investment⁽¹⁾

Consumer Real Estate

Closed-end first liens

1

$

126

$

143

Commercial Real Estate

Multifamily residential real estate

1

2,484

2,484

Commercial real estate owner-occupied

1

184

208

Commercial real estate non owner-occupied

2

2,967

3,008

Total

5

$

5,761

$

5,843

		Restructurings that occurred during the year ended December 31, 2013
		Number of Contracts				Pre-Modification Outstanding Recorded Investment				Post-Modification Outstanding Recorded Investment⁽¹⁾
Consumer Real Estate
Closed-end first liens			2			$	453			$	525
Closed-end junior liens			1				262				267

Commercial Real Estate
Commercial real estate owner-occupied			1				154				239
Commercial real estate non owner-occupied			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 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

Restructurings that defaulted during the year ended December 31, 2013 that were modified within 12 months prior to default
		Number of Contracts				Recorded Investment⁽¹⁾
Consumer Real Estate
Closed-end first liens			1			$	24
Closed-end junior liens			1				81

Commercial Real Estate
Commercial real estate owner occupied			2				834

Commercial Non Real Estate
Commercial and industrial			1				388
Total			5			$	1,327