Note 6 - Loans Receivable and Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2017

Notes Tables

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

(dollars in thousands)	March 31, 2017			December 31, 2016
Commercial real estate	$	394,840		$	378,519
Construction and land development		78,636			61,453
Commercial and industrial		188,873			174,744
Owner occupied real estate		273,996			276,986
Consumer and other		67,402			63,660
Residential mortgage		22,652			9,682
Total loans receivable		1,026,399			965,044
Deferred costs (fees)		(256	)		(72	)
Allowance for loan losses		(9,181	)		(9,155	)
Net loans receivable	$	1,016,962		$	955,817

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

(dollars in thousands)	Commercial Real Estate			Construction and Land Development			Commercial and Industrial			Owner Occupied Real Estate			Consumer and Other			Residential Mortgage			Unallocated		Total
Three months ended March 31, 2017
Allowance for loan losses:
Beginning balance:	$	3,254		$	557		$	2,884		$	1,382		$	588		$	58		$	432	$	9,155
Charge-offs		-			-			-			(8	)		(2	)		-			-		(10	)
Recoveries		7			-			29			-			-			-			-		36
Provisions (credits)		(299	)		(11	)		(143	)		253			(11	)		72			139		-
Ending balance	$	2,962		$	546		$	2,770		$	1,627		$	575		$	130		$	571	$	9,181
Three months ended March 31, 2016
Allowance for loan losses:
Beginning balance:	$	2,393		$	338		$	2,932		$	2,030		$	295		$	14		$	701	$	8,703
Charge-offs		-			-			(18	)		(28	)		-			-			-		(46	)
Recoveries		-			-			72			-			-			-			-		72
Provisions (credits)		(348	)		76			(44	)		89			17			(3	)		513		300
Ending balance	$	2,045		$	414		$	2,942		$	2,091		$	312		$	11		$	1,214	$	9,029

(dollars in thousands)	Commercial Real Estate		Construction and Land Development		Commercial and Industrial		Owner Occupied Real Estate		Consumer and Other		Residential Mortgage		Unallocated		Total
March 31, 2017
Allowance for loan losses:
Individually evaluated for impairment	$	1,305	$	-	$	1,758	$	297	$	262	$	-	$	-	$	3,622
Collectively evaluated for impairment		1,657		546		1,012		1,330		313		130		571		5,559
Total allowance for loan losses	$	2,962	$	546	$	2,770	$	1,627	$	575	$	130	$	571	$	9,181
Loans receivable:
Loans evaluated individually	$	18,854	$	-	$	5,287	$	3,475	$	1,272	$	-	$	-	$	28,888
Loans evaluated collectively		375,986		78,636		183,586		270,521		66,130		22,652		-		997,511
Total loans receivable	$	394,840	$	78,636	$	188,873	$	273,996	$	67,402	$	22,652	$	-	$	1,026,399

(dollars in thousands)	Commercial Real Estate		Construction and Land Development		Commercial and Industrial		Owner Occupied Real Estate		Consumer and Other		Residential Mortgage		Unallocated		Total
December 31, 2016
Allowance for loan losses:
Individually evaluated for impairment	$	1,277	$	-	$	1,624	$	274	$	293	$	-	$	-	$	3,468
Collectively evaluated for impairment		1,977		557		1,260		1,108		295		58		432		5,687
Total allowance for loan losses	$	3,254	$	557	$	2,884	$	1,382	$	588	$	58	$	432	$	9,155
Loans receivable:
Loans evaluated individually	$	19,245	$	-	$	5,180	$	2,325	$	1,290	$	130	$	-	$	28,170
Loans evaluated collectively		359,274		61,453		169,564		274,661		62,370		9,552		-		936,874
Total loans receivable	$	378,519	$	61,453	$	174,744	$	276,986	$	63,660	$	9,682	$	-	$	965,044

Impaired Financing Receivables [Table Text Block]

	March 31, 2017						December 31, 2016
(dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Commercial real estate	$	12,234	$	12,235	$	-	$	12,347	$	12,348	$	-
Construction and land development		-		-		-		-		-		-
Commercial and industrial		1,907		3,067		-		1,955		3,111		-
Owner occupied real estate		1,631		1,742		-		621		733		-
Consumer and other		817		1,115		-		687		976		-
Residential mortgage		-		-		-		130		130		-
Total	$	16,589	$	18,159	$	-	$	15,740	$	17,298	$	-
With an allowance recorded:
Commercial real estate	$	6,620	$	6,634	$	1,305	$	6,898	$	6,912	$	1,277
Construction and land development		-		-		-		-		-		-
Commercial and industrial		3,380		6,047		1,758		3,225		5,892		1,624
Owner occupied real estate		1,844		1,844		297		1,704		1,704		274
Consumer and other		455		481		262		603		627		293
Residential mortgage		-		-		-		-		-		-
Total	$	12,299	$	15,006	$	3,622	$	12,430	$	15,135	$	3,468
Total:
Commercial real estate	$	18,854	$	18,869	$	1,305	$	19,245	$	19,260	$	1,277
Construction and land development		-		-		-		-		-		-
Commercial and industrial		5,287		9,114		1,758		5,180		9,003		1,624
Owner occupied real estate		3,475		3,586		297		2,325		2,437		274
Consumer and other		1,272		1,596		262		1,290		1,603		293
Residential mortgage		-		-		-		130		130		-
Total	$	28,888	$	33,165	$	3,622	$	28,170	$	32,433	$	3,468

Impaired Financing Receivables, Average Recorded Investment and Interest Income, Accrual Method [Table Text Block]

	Three Months Ended March 31 ,
	2017				201 6
(dollars in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded  Investment		Interest Income Recognized
With no related allowance recorded:
Commercial real estate	$	12,290	$	70	$	11,589	$	65
Construction and land development		-		-		117		-
Commercial and industrial		1,931		8		1,998		10
Owner occupied real estate		1,126		12		483		1
Consumer and other		752		3		829		3
Residential mortgage		65		1		-		-
Total	$	16,164	$	94	$	15,016	$	79
With an allowance recorded:
Commercial real estate	$	6,759	$	5	$	508	$	8
Construction and land development		-		-		-		-
Commercial and industrial		3,303		17		3,110		19
Owner occupied real estate		1,774		6		2,830		6
Consumer and other		529		4		213		2
Residential mortgage		-		-		-		-
Total	$	12,365	$	32	$	6,661	$	35
Total:
Commercial real estate	$	19,049	$	75	$	12,097	$	73
Construction and land development		-		-		117		-
Commercial and industrial		5,234		25		5,108		29
Owner occupied real estate		2,900		18		3,313		7
Consumer and other		1,281		7		1,042		5
Residential mortgage		65		1		-		-
Total	$	28,529	$	126	$	21,677	$	114

Past Due Financing Receivables [Table Text Block]

(dollars in thousands)	30-59 Days Pas t Due		60-89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Total Loans Receivable		Loans Receivable > 90 Days and Accruing
At March 31 , 201 7
Commercial real estate	$	-	$	6	$	12,733	$	12,739	$	382,101	$	394,840	$	-
Construction and land development		-		-		-		-		78,636		78,636		-
Commercial and industrial		1,009		434		3,299		4,742		184,131		188,873		-
Owner occupied real estate		1,174		-		1,690		2,864		271,132		273,996		-
Consumer and other		23		24		807		854		66,548		67,402		-
Residential mortgage		-		-		-		-		22,652		22,652		-
Total	$	2,206	$	464	$	18,529	$	21,199	$	1,005,200	$	1,026,399	$	-

(dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Total Loans Receivable		Loans Receivable > 90 Days and Accruing
At December 31 , 201 6
Commercial real estate	$	-	$	9	$	13,089	$	13,098	$	365,421	$	378,519	$	-
Construction and land development		-		-		-		-		61,453		61,453		-
Commercial and industrial		568		-		3,151		3,719		171,025		174,744		-
Owner occupied real estate		468		-		1,718		2,186		274,800		276,986		172
Consumer and other		24		22		808		854		62,806		63,660		-
Residential mortgage		-		-		130		130		9,552		9,682		130
Total	$	1,060	$	31	$	18,896	$	19,987	$	945,057	$	965,044	$	302

Financing Receivable Credit Quality Indicators [Table Text Block]

(dollars in thousands)	Pass		Special Mention		Substandard		Doubtful		Total
At March 31, 2017 :
Commercial real estate	$	380,763	$	863	$	13,214	$	-	$	394,840
Construction and land development		78,636		-		-		-		78,636
Commercial and industrial		182,990		596		3,858		1,429		188,873
Owner occupied real estate		270,521		-		3,475		-		273,996
Consumer and other		66,130		-		1,272		-		67,402
Residential mortgage		22,524		128		-		-		22,652
Total	$	1,001,564	$	1,587	$	21,819	$	1,429	$	1,026,399

(dollars in thousands)	Pass		Special Mention		Substandard		Doubtful		Total
At December 31, 2016 :
Commercial real estate	$	364,066	$	877	$	13,576	$	-	$	378,519
Construction and land development		61,453		-		-		-		61,453
Commercial and industrial		168,958		606		3,751		1,429		174,744
Owner occupied real estate		274,150		511		2,325		-		276,986
Consumer and other		62,370		-		1,290		-		63,660
Residential mortgage		9,552		-		130		-		9,682
Total	$	940,549	$	1,994	$	21,072	$	1,429	$	965,044

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

(dollars in thousands)	March 31, 2017		December 31, 201 6
Commercial real estate	$	12,733	$	13,089
Construction and land development		-		-
Commercial and industrial		3,299		3,151
Owner occupied real estate		1,690		1,546
Consumer and other		807		808
Residential mortgage		-		-
Total	$	18,529	$	18,594

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

(dollars in thousands)	Number of Loans		Accrual Status		Non- Accrual Status		Total TDRs
March 31, 2017
Commercial real estate		2	$	5,640	$	6,129	$	11,769
Construction and land development		-		-		-		-
Commercial and industrial		2		222		349		571
Owner occupied real estate		-		-		-		-
Consumer and other		-		-		-		-
Residential mortgage		-		-		-		-
Total		4	$	5,862	$	6,478	$	12,340
December 31, 201 6
Commercial real estate		1	$	5,669	$	-	$	5,669
Construction and land development		-		-		-		-
Commercial and industrial		2		228		349		577
Owner occupied real estate		-		-		-		-
Consumer and other		-		-		-		-
Residential mortgage		-		-		-		-
Total		3	$	5,897	$	349	$	6,246