MBT Financial (MBTF) 10-Q 9 Nov 16 2016 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2016	Nov. 09, 2016
Document Information [Line Items]
Entity Registrant Name	MBT Financial Corp
Entity Central Index Key	1,118,237
Trading Symbol	mbtf
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Entity Common Stock, Shares Outstanding (in shares)		22,737,263
Document Type	10-Q
Document Period End Date	Sep. 30, 2016
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q3
Amendment Flag	false

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Cash and due from banks
Non-interest bearing	$ 16,122	$ 14,996
Interest bearing	44,779	64,554
Total cash and cash equivalents	60,901	79,550
Interest Bearing Time Deposits in Other Banks	19,196	5,500
Securities - Held to Maturity	42,685	41,282
Available for Sale Securities	465,610	496,859
Federal Home Loan Bank stock - at cost	4,148	4,148
Loans held for sale	636	1,477
Loans	655,809	617,308
Allowance for Loan Losses	(9,405)	(10,896)
Loans - Net	646,404	606,412
Accrued interest receivable and other assets	20,438	23,365
Other Real Estate Owned	1,686	2,383
Bank Owned Life Insurance	54,059	53,093
Premises and Equipment - Net	27,263	28,244
Total assets	1,343,026	1,342,313
Deposits:
Non-interest bearing	285,764	253,795
Interest-bearing	894,697	911,598
Total deposits	1,180,461	1,165,393
Repurchase agreements		15,000
Interest payable and other liabilities	14,903	14,579
Total liabilities	1,195,364	1,194,972
STOCKHOLDERS' EQUITY
Common stock (no par value; 50,000,000 shares authorized, 22,736,116 and 22,790,707 shares issued and outstanding)	22,474	23,492
Retained earnings	123,411	126,214
Unearned compensation	(19)	(13)
Accumulated other comprehensive income (loss)	1,796	(2,352)
Total stockholders' equity	147,662	147,341
Total liabilities and stockholders' equity	$ 1,343,026	$ 1,342,313

Consolidated Balance Sheets (C3

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - $ / shares	Sep. 30, 2016	Dec. 31, 2015
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	50,000,000	50,000,000
Common stock, shares issued (in shares)	22,736,116	22,790,707
Common stock, shares outstanding (in shares)	22,736,116	22,790,707

Consolidated Statements of Inco

Consolidated Statements of Income and Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Interest Income
Interest and fees on loans	$ 7,538	$ 7,225	$ 21,752	$ 21,811
Interest on investment securities-
Tax-exempt	316	278	924	826
Taxable	1,970	2,437	6,714	7,301
Interest on balances due from banks	171	24	450	64
Total interest income	9,995	9,964	29,840	30,002
Interest Expense
Interest on deposits	480	562	1,483	1,826
Interest on borrowed funds		178	308	529
Total interest expense	480	740	1,791	2,355
Net Interest Income	9,515	9,224	28,049	27,647
Provision For (Recovery Of) Loan Losses	(700)	(200)	(1,200)	(1,000)
Net Interest Income After Provision For Loan Losses	10,215	9,424	29,249	28,647
Other Income
Income from wealth management services	1,145	1,163	3,347	3,576
Service charges and other fees	1,118	1,134	3,142	3,058
Debit card income	721	594	2,130	1,749
Net gain on sales and redemptions of securities available for sale	87	16	2,159	274
Net gain (loss) on sales of Other Real Estate Owned	(4)	36	(61)	(248)
Origination fees on mortgage loans sold	149	184	415	450
Bank owned life insurance income	352	358	1,069	991
Other	471	493	1,507	1,558
Total other income	4,039	3,978	13,708	11,408
Other Expenses
Salaries and employee benefits	5,514	5,694	16,531	17,318
Occupancy expense	668	648	2,002	2,074
Equipment expense	731	708	2,141	2,232
Marketing expense	280	267	825	821
Professional fees	459	481	1,667	1,607
EFT/ATM Expense	235	109	781	317
Other Real Estate Owned expenses	35	59	129	364
FDIC Deposit Insurance Assessment	179	212	539	1,055
Bonding and other insurance expense	118	203	454	660
Telephone expense	95	113	312	317
Other	660	672	1,948	1,950
Total other expenses	8,974	9,166	27,329	28,715
Income Before Income Taxes	5,280	4,236	15,628	11,340
Income Tax Expense	1,593	1,230	4,705	3,272
Net Income	3,687	3,006	10,923	8,068
Other Comprehensive Income - Net of Tax
Unrealized gains (losses) on securities	(883)	4,177	5,493	3,358
Reclassification adjustment for gains included in net income	(58)	(10)	(1,425)	(181)
Postretirement benefit liability	27	27	80	80
Total Other Comprehensive Income (Loss) - Net of Tax	(914)	4,194	4,148	3,257
Comprehensive Income (Loss)	$ 2,773	$ 7,200	$ 15,071	$ 11,325
Basic Earnings Per Common Share (in dollars per share)	$ 0.16	$ 0.13	$ 0.48	$ 0.35
Diluted Earnings Per Common Share (in dollars per share)	0.16	0.13	0.48	0.35
Dividends Declared Per Share of Common Stock (in dollars per share)	$ 0.04		$ 0.60

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Retained Earnings [Member]	Deferred Compensation, Share-based Payments [Member]	AOCI Attributable to Parent [Member]	Total
Balance at Dec. 31, 2014	$ 23,037	$ 114,132		$ (2,633)	$ 134,536
SOSARs exercised
Restricted stock awards	35		(35)
Other stock issued	76				76
Equity Compensation	197		20		217
Net Income		8,068			8,068
Other comprehensive income - net of tax				3,257	3,257
Balance at Sep. 30, 2015	23,345	122,200	(15)	624	146,154
Balance at Dec. 31, 2015	23,492	126,214	(13)	(2,352)	147,341
Repurchase of Common Stock (192,080 shares)	(1,414)				(1,414)
SOSARs exercised	84				84
Restricted stock awards	41		(41)
Other stock issued	184				184
Equity Compensation	87		35		122
Dividends declared ($0.60 per share)		(13,726)			(13,726)
Net Income		10,923			10,923
Other comprehensive income - net of tax				4,148	4,148
Balance at Sep. 30, 2016	$ 22,474	$ 123,411	$ (19)	$ 1,796	$ 147,662

Consolidated Statements of Cha6

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (Parentheticals) - $ / shares	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
Common Stock [Member]
Repurchase of common stock, shares (in shares)	192,080
SOSARs exercised, shares (in shares)	109,727	23,855
Restricted stock awards, shares (in shares)	5,000	6,000
Other stock issued (in shares)	22,762	13,395
Retained Earnings [Member]
Dividends declared, per share (in dollars per share)	$ 0.60
Dividends declared, per share (in dollars per share)	$ 0.60

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015
Cash Flows from Operating Activities
Net Income	$ 10,923	$ 8,068
Adjustments to reconcile net income to net cash from operating activities
Recovery of loan losses	(1,200)	(1,000)
Depreciation	1,202	1,177
Deferred tax expense	2,210	2,927
Net amortization of investment premium and discount	1,294	1,054
Writedowns of Other Real Estate Owned	78	509
Net decrease in interest payable and other liabilities	824	538
Net increase in interest receivable and other assets	(1,128)	(693)
Equity based compensation expense	206	217
Net gain on sale/settlement of securities	(2,159)	(274)
Increase in cash surrender value of life insurance	(966)	(905)
Net cash provided by operating activities	11,284	11,618
Cash Flows from Investing Activities
Proceeds from maturities of interest bearing time deposits in other banks	250
Proceeds from maturities and redemptions of investment securities held to maturity	6,789	8,245
Proceeds from maturities and redemptions of investment securities available for sale	297,099	126,388
Proceeds from sales of investment securities available for sale	33,144	29,327
Net increase in loans	(38,721)	(14,308)
Proceeds from sales of other real estate owned	1,376	3,728
Proceeds from sales of other assets	171	82
Purchase of time deposits in other banks	(13,946)
Purchase of investment securities held to maturity	(8,259)	(13,187)
Purchase of investment securities available for sale	(291,898)	(162,680)
Purchase of bank premises and equipment	(1,050)	(1,013)
Net cash provided by (used for) investing activities	(15,045)	(23,418)
Cash Flows from Financing Activities
Net increase in deposits	15,068	24,998
Net increase in short term borrowings		1,029
Repayment of repurchase agreements	(15,000)
Proceeds from issuance of common stock	184	76
Repurchase of common stock	(1,414)
Dividends paid	(13,726)
Net cash provided by (used for) financing activities	(14,888)	26,103
Net Increase (Decrease) in Cash and Cash Equivalents	(18,649)	14,303
Cash and Cash Equivalents at Beginning of Period	79,550	51,622
Cash and Cash Equivalents at End of Period	60,901	65,925
Supplemental Cash Flow Information
Cash paid for interest	1,845	2,379
Cash paid for federal income taxes	2,069	345
Supplemental Schedule of Non Cash Investing Activities
Transfer of loans to other real estate owned	736	516
Transfer of loans to other assets	$ 34	$ 54

Note 1 - Basis of Presentation

Note 1 - Basis of Presentation and Accounting Policies	9 Months Ended
	Sep. 30, 2016
Notes to Financial Statements
Basis of Presentation and Significant Accounting Policies [Text Block]	1. BASIS OF PRESENTATION AND ACCOUNTING POLICIES The unaudited consolidated financial statements include the accounts of MBT Financial Corp. (the “Company”) and its subsidiary, Monroe Bank & Trust (the “Bank”). The Bank includes the accounts of its wholly owned subsidiary, MB&T Financial Services, Inc. The Bank operates fourteen branches in Monroe County, Michigan, six branches in Wayne County, Michigan, and one loan and wealth management office in each Wayne County and Lenawee County. The Bank’s primary source of revenue is from providing loans to customers, who are predominantly small and middle-market businesses and middle-income individuals. The Company’s sole business segment is community banking. The accounting and reporting policies of the Bank conform to practice within the banking industry and are in accordance with accounting principles generally accepted in the United States. Preparation of financial statements in conformity with generally accepted accounting principles requires Management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant changes in the near term are the determination of the allowance for loan losses, the valuation of other real estate owned, and the fair value of investment securities. The accompanying unaudited consolidated financial statements of the Company have been prepared in accordance with the instructions to Form 10-Q. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. However, such information reflects all adjustments (consisting of normal recurring adjustments), which are, in the opinion of Management, necessary for fair statement of results for the interim periods. The significant accounting policies are as follows: PRINCIPLES OF CONSOLIDATION The consolidated financial statements include the accounts of the Company and its subsidiary. All material intercompany transactions and balances have been eliminated. COMPREHENSIVE INCOME Accounting principles generally require that revenue, expenses, gains, and losses be included in net income. Certain changes in assets and liabilities, however, such as unrealized gains and losses on securities available for sale and amounts recognized related to postretirement benefit plans (gains and losses, prior service costs, and transition assets or obligations), are reported as a direct adjustment to the equity section of the balance sheet. Such items, along with net income, are components of comprehensive income. BUSINESS SEGMENTS While the Company's chief decision makers monitor the revenue streams of various products and services, operations are managed and financial performance is evaluated on a company wide basis. Accordingly, all of the Company’s operations are considered by management to be aggregated in one reportable segment. FAIR VALUE The Company measures or monitors many of its assets and liabilities on a fair value basis. Fair value is used on a recurring basis for assets and liabilities that are elected to be accounted for under The Fair Value Option as well as for certain assets and liabilities in which fair value is the primary basis of accounting. Examples of these include derivative instruments and available for sale securities. Additionally, fair value is used on a non-recurring basis to evaluate assets or liabilities for impairment or for disclosure purposes. Examples of these non-recurring uses of fair value include certain loans held for sale accounted for on a lower of cost or market basis. Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Depending on the nature of the asset or liability, the Company uses various valuation techniques and assumptions when estimating fair value. When determining the fair value measurements for assets and liabilities required or permitted to be recorded at and/or marked to fair value, the Company considers the principal or most advantageous market in which it would transact and considers assumptions that market participants would use when pricing the asset or liability. When possible, the Company looks to active and observable markets to price identical assets or liabilities. When identical assets and liabilities are not traded in active markets, the Company looks to market observable data for similar assets or liabilities. Nevertheless, certain assets and liabilities are not actively traded in observable markets and the Company must use alternative valuation techniques to derive a fair value measurement. ACCOUNTING PRONOUNCEMENTS The Financial Accounting Standards Board (FASB) issued Accounting Standards Update 2014-09 (ASU 2014-09), “Revenue from Contracts with Customers (Topic 606)”. ASU 2014-09 adopts a standardized approach for revenue recognition and was a joint effort with the International Accounting Standards Board (IASB). The new revenue recognition standard is based on a core principle of recognizing revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. ASU 2014-09 does not apply to financial instruments. ASU 2014-09 is effective for public entities for reporting periods beginning after December 15, 2017 (therefore, for the year ending December 31, 2018 for the Corporation). Early implementation is not allowed for public companies. Management is currently assessing the impact to the Corporation’s consolidated financial statements. In January 2016, the FASB issued ASU No. 2016-01, “Financial Instruments - Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities”. The amendments in ASU 2016-01 supersede the guidance to classify equity securities with readily determinable fair values into different categories (that is, trading or available-for-sale) and require equity securities (including other ownership interests, such as partnerships, unincorporated joint ventures, and limited liability companies) to be measured at fair value with changes in the fair value recognized through net income. The amendments allow equity investments that do not have readily determinable fair values to be re-measured at fair value either upon the occurrence of an observable price change or upon identification of an impairment. The amendments also require enhanced disclosures about those investments. The amendments improve financial reporting by providing relevant information about an entity’s equity investments and reducing the number of items that are recognized in other comprehensive income. For public business entities, the amendments in this update are effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The amendments should be applied by means of a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. The adoption of this guidance is not expected to have a material effect on the Company’s financial position or results of operations. In February 2016, the Financial Accounting Standards Board issued ASU 2016-02, “Leases”, which will supersede the current lease requirements in ASC 840. The ASU requires lessees to recognize a right of use asset and related lease liability for all leases, with a limited exception for short-term leases. Leases will be classified as either finance or operating, with the classification affecting the pattern of expense recognition in the statement of operations. Currently, leases are classified as either capital or operating, with only capital leases recognized on the balance sheet. The reporting of lease related expenses in the statements of operations and cash flows will be generally consistent with the current guidance. The new lease footnote guidance will be effective for the Company’s year ending December 31, 2019 and will be applied using a modified retrospective transition method to the beginning of the earliest period presented. The effect of applying the new lease guidance on the financial statements as not yet been determined, however the new lease standard is not expected to have a significant effect on the Company’s financial statements. In June 2016, the Financial Accounting Standards Board issued ASU No. 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. ASU 2016-13 changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income. ASU 2016-13 requires an entity measure expected credit losses for financial assets over the estimated lifetime of expected credit loss and record an allowance that, when deducted from the amortized cost basis of the financial asset, presents the net amount expected to be collected on the financial asset. The standard includes the following core concepts in determining the expected credit loss estimate: (a) be based on an asset’s amortized cost (including premiums or discounts, net deferred fees and costs, foreign exchange and fair value hedge accounting adjustments), (b) reflect losses expected over the remaining contractual life of an asset (considering the effect of voluntary prepayments), (c) consider available relevant information about the estimated collectability of cash flows (including information about past events, current conditions, and reasonable and supportable forecasts), and (d) reflect the risk of loss, even when that risk is remote. ASU 2016-13 also amends the recording of purchased credit-deteriorated assets. Under the new guidance, an allowance will be recognized at acquisition through a gross-up approach whereby an entity will record as the initial amortized cost the sum of (a) the purchase price and (b) an estimate of credit losses as of the date of acquisition. In addition, the guidance also requires immediate recognition in earnings any subsequent changes, both favorable and unfavorable, in expected cash flows by adjusting this allowance. ASU 2016-13 amends the impairment model for available-for-sale debt securities and requires entities to determine whether all or a portion of the unrealized loss on an available-for-sale debt security is a credit loss. Management may not use the length of time a security has been in an unrealized loss position as a factor in concluding whether a credit loss exists, as is currently permitted. In addition, an entity will recognize an allowance for credit losses on available-for-sale debt securities as a contra-account to the amortized cost basis rather than as a direct reduction of the amortized cost basis of the investment, as is currently required. As a result, entities will recognize improvements to credit losses on available-for-sale debt securities immediately in earnings rather than as interest income over time under current practice. New disclosures required by ASU 2016-13 include: (a) for financial assets measured at amortized cost, an entity will be required to disclose information about how it developed its allowance, including changes in the factors that influenced management’s estimate of expected credit losses and the reasons for those changes, (b) for financial receivables and net investments in leases measured at amortized cost, an entity will be required to further disaggregate the information it currently discloses about the credit quality of these assets by year of the asset’s origination or vintage for as many as five annual periods, and (c) for available-for-sale debt securities, an entity will be required to provide a roll-forward of the allowance for credit losses and an aging analysis for securities that are past due. Upon adoption of ASU 2016-13, a cumulative-effect adjustment to retained earnings will be recorded as of the beginning of the first reporting period in which the guidance is effective. ASU 2016-13 is effective for public companies for interim and annual periods beginning after December 15, 2019, with early adoption permitted for annual periods beginning after December 15, 2018. The Corporation is currently evaluating the provisions of ASU 2016-13 to determine the potential impact on the Corporation's consolidated financial condition and results of operations.

Note 2 - Earnings Per Share

Note 2 - Earnings Per Share	9 Months Ended
	Sep. 30, 2016
Notes to Financial Statements
Earnings Per Share [Text Block]	2. EARNINGS PER SHARE The calculations of earnings per common share are as follows: For the three months ended September 30, For the nine months ended September 30, 2016 2015 2016 2015 Basic Net income $ 3,687,000 $ 3,006,000 $ 10,923,000 $ 8,068,000 Average common shares outstanding 22,733,134 22,748,974 22,823,682 22,734,952 Earnings per common share - basic $ 0.16 $ 0.13 $ 0.48 $ 0.35 Diluted Net income $ 3,687,000 $ 3,006,000 $ 10,923,000 $ 8,068,000 Average common shares outstanding 22,733,134 22,748,974 22,823,682 22,734,952 Equity compensation 182,144 200,089 164,682 181,492 Average common shares outstanding - diluted 22,915,278 22,949,063 22,988,364 22,916,444 Earnings per common share - diluted $ 0.16 $ 0.13 $ 0.48 $ 0.35

Note 3 - Stock Based Compensati

Note 3 - Stock Based Compensation	9 Months Ended
	Sep. 30, 2016
Notes to Financial Statements
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	3. STOCK BASED COMPENSATION Stock Only Stock Appreciation Rights (SOSARs) SOSARs granted under the plan are structured as fixed grants with the base price equal to the market value of the underlying stock on the date of the grant. The following table summarizes the SOSARs that have been granted: Weighted Average SOSARs Base Price SOSARs Outstanding, January 1, 2016 609,275 $ 4.02 Granted 105,500 8.26 Exercised (209,887 ) 2.77 Forfeited (8,839 ) 5.68 Expired - - SOSARs Outstanding, September 30, 2016 496,049 $ 5.42 SOSARs Exercisable, September 30, 2016 281,169 $ 4.46 The exercise of a SOSAR results in the issuance of a number of shares of common stock of the Company based on the appreciation of the market price of the stock over the base price of the SOSAR. The market value of the Company’s common stock on September 30, 2016 was $9.05. The value of the exercisable SOSARs that are in-the-money as of September 30, 2016 was $1,300,000, and exercise of those SOSARs on that date would have resulted in the issuance of 142,604 shares of common stock. The plan allows participants to elect to withhold shares from the exercise of SOSARs to cover their tax liability. This may affect the number of shares issued and the value of the common stock account on the balance sheet and the statement of changes in equity. Restricted Stock Unit Awards Restricted Stock Awards The total expense for equity based compensation was $162,000 in the third quarter of 2016 and $116,000 in the third quarter of 2015. The total expense for equity based compensation was $438,000 in the first nine months of 2016 and $293,000 in the first nine months of 2015.

Note 4 - Loans

Note 4 - Loans	9 Months Ended
	Sep. 30, 2016
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables, Excluding Allowance for Credit Losses [Text Block]	4. LOANS The Bank makes commercial, consumer, and mortgage loans primarily to customers in Monroe County, Michigan, southern and western Wayne County, Michigan, Lenawee County, Michigan, and surrounding areas. Although the Bank has a diversified loan portfolio, a substantial portion of its debtors’ ability to honor their contracts is dependent on the automotive, manufacturing, and real estate development economic sectors. Loans consist of the following (000s omitted): September 30, December 31, 2016 2015 Residential real estate loans $ 217,252 $ 213,989 Commercial and Construction real estate loans 272,412 259,139 Agriculture and agricultural real estate loans 21,961 19,243 Commercial and industrial loans 94,826 84,438 Loans to individuals for household, family, and other personal expenditures 49,358 40,499 Total loans, gross $ 655,809 $ 617,308 Less: Allowance for loan losses 9,405 10,896 Net Loans $ 646,404 $ 606,412 Loans are placed in a nonaccrual status when, in the opinion of Management, the collection of additional interest is doubtful. All loan relationships over $250,000 that are classified by Management as nonperforming as well as selected performing accounts and all renegotiated loans are reviewed for impairment each quarter. Allowances for loans determined to be impaired are included in the allowance for loan losses. All cash received on nonaccrual loans is applied to the principal balance. Nonperforming assets consist of nonaccrual loans, loans 90 days or more past due, restructured loans, nonaccrual investment securities, other real estate owned, and other repossessed assets. Other real estate owned includes real estate that has been acquired in full or partial satisfaction of loan obligations or upon foreclosure. The following table summarizes nonperforming assets (000s omitted): September 30, December 31, 2016 2015 Nonaccrual loans $ 6,545 $ 8,633 Loans 90 days past due and accruing 32 4 Restructured loans 15,923 18,910 Total nonperforming loans $ 22,500 $ 27,547 Other real estate owned 1,686 2,383 Other assets 10 - Total nonperforming assets $ 24,196 $ 29,930 Nonperforming assets to total assets 1.80 % 2.23 % Allowance for loan losses to nonperforming loans 41.80 % 39.55 %

Note 5 - Allowance for Loan Los

Note 5 - Allowance for Loan Losses	9 Months Ended
	Sep. 30, 2016
Notes to Financial Statements
Financing Receivables [Text Block]	5. ALLOWANCE FOR LOAN LOSSES The Company separates its loan portfolio into segments to perform the calculation and analysis of the allowance for loan losses. The six segments analyzed are Agriculture and Agricultural Real Estate, Commercial, Commercial Real Estate, Construction Real Estate, Residential Real Estate, and Consumer and Other. The Agriculture and Agricultural Real Estate segment includes all loans to finance agricultural production and all loans secured by agricultural real estate. This segment does not include loans to finance agriculture that are secured by residential real estate, which are included in the Residential Real Estate segment. The Commercial segment includes loans to finance commercial and industrial businesses that are not secured by real estate. The Commercial Real Estate segment includes loans secured by non-farm, non-residential real estate. The Construction Real Estate segment includes loans to finance construction and land development. This includes residential and commercial construction and land development. The Residential Real Estate segment includes all loans, other than construction loans, that are secured by single family and multi family residential real estate properties. The Consumer and Other segment includes all loans not included in any other segment. These are primarily loans to consumers for household, family, and other personal expenditures. The majority of this segment is student loans, and it also includes loans for autos, boats, and recreational vehicles. Activity in the allowance for loan losses during the three and nine months ended September 30, 2016 was as follows (000s omitted): Agriculture and Agricultural Real Estate Commercial Commercial Real Estate Construction Real Estate Residential Real Estate Consumer and Other Total Allowance for loan losses: For the three months ended September 30, 2016 Beginning Balance $ 200 $ 1,526 $ 4,470 $ 460 $ 1,791 $ 1,456 $ 9,903 Charge-offs - (14 ) (61 ) - (39 ) - (114 ) Recoveries 3 24 114 13 132 30 316 Provision 18 (84 ) (140 ) (104 ) (68 ) (322 ) (700 ) Ending balance $ 221 $ 1,452 $ 4,383 $ 369 $ 1,816 $ 1,164 $ 9,405 Allowance for loan losses: For the nine months ended September 30, 2016 Beginning Balance $ 389 $ 2,279 $ 4,350 $ 420 $ 2,235 $ 1,223 $ 10,896 Charge-offs (221 ) (26 ) (413 ) - (195 ) (86 ) (941 ) Recoveries 3 102 182 40 235 88 650 Provision 50 (903 ) 264 (91 ) (459 ) (61 ) (1,200 ) Ending balance $ 221 $ 1,452 $ 4,383 $ 369 $ 1,816 $ 1,164 $ 9,405 Allowance for loan losses as of September 30, 2016 Ending balance individually evaluated for impairment $ 5 $ 340 $ 629 $ 255 $ 347 $ 187 $ 1,763 Ending balance collectively evaluated for impairment 216 1,112 3,754 114 1,469 977 7,642 Ending balance $ 221 $ 1,452 $ 4,383 $ 369 $ 1,816 $ 1,164 $ 9,405 Loans as of September 30, 2016 Ending balance individually evaluated for impairment $ 1,251 $ 717 $ 9,431 $ 1,761 $ 7,729 $ 487 $ 21,376 Ending balance collectively evaluated for impairment 20,710 94,109 245,209 16,011 209,523 48,871 634,433 Ending balance $ 21,961 $ 94,826 $ 254,640 $ 17,772 $ 217,252 $ 49,358 $ 655,809 Activity in the allowance for loan losses during the three and nine months ended September 30, 2015 was as follows (000s omitted): Agriculture and Agricultural Real Estate Commercial Commercial Real Estate Construction Real Estate Residential Real Estate Consumer and Other Total Allowance for loan losses: For the three months ended September 30, 2015 Beginning Balance $ 425 $ 1,481 $ 5,437 $ 623 $ 3,070 $ 2,043 $ 13,079 Charge-offs - - (91 ) - (101 ) - (192 ) Recoveries 2 45 155 14 57 36 309 Provision 202 372 (1,232 ) (15 ) 602 (129 ) (200 ) Ending balance $ 629 $ 1,898 $ 4,269 $ 622 $ 3,628 $ 1,950 $ 12,996 Allowance for loan losses: For the nine months ended September 30, 2015 Beginning Balance $ 216 $ 1,361 $ 6,179 $ 803 $ 3,226 $ 1,423 $ 13,208 Charge-offs (75 ) (164 ) (212 ) - (353 ) (117 ) (921 ) Recoveries 12 215 337 635 414 96 1,709 Provision 476 486 (2,035 ) (816 ) 341 548 (1,000 ) Ending balance $ 629 $ 1,898 $ 4,269 $ 622 $ 3,628 $ 1,950 $ 12,996 Allowance for loan losses as of September 30, 2015 Ending balance individually evaluated for impairment $ 395 $ 878 $ 948 $ 471 $ 1,288 $ 228 $ 4,208 Ending balance collectively evaluated for impairment 234 1,020 3,321 151 2,340 1,722 8,788 Ending balance $ 629 $ 1,898 $ 4,269 $ 622 $ 3,628 $ 1,950 $ 12,996 Loans as of September 30, 2015 Ending balance individually evaluated for impairment $ 1,214 $ 1,259 $ 16,803 $ 1,843 $ 10,423 $ 522 $ 32,064 Ending balance collectively evaluated for impairment 18,926 84,715 232,177 12,831 205,348 37,748 591,745 Ending balance $ 20,140 $ 85,974 $ 248,980 $ 14,674 $ 215,771 $ 38,270 $ 623,809 Each period the provision for loan losses in the income statement results from the combination of an estimate by Management of loan losses that occurred during the current period and the ongoing adjustment of prior estimates of losses occurring in prior periods. The provision for loan losses increases the allowance for loan losses, a valuation account which appears on the consolidated balance sheets. As the specific customer and amount of a loan loss is confirmed by gathering additional information, taking collateral in full or partial settlement of the loan, bankruptcy of the borrower, etc., the loan is charged off, reducing the allowance for loan losses. If, subsequent to a charge off, the Bank is able to collect additional amounts from the customer or sell collateral worth more than earlier estimated, a recovery is recorded. To serve as a basis for making this provision, the Bank maintains an extensive credit risk monitoring process that considers several factors including: current economic conditions affecting the Bank’s customers, the payment performance of individual loans and pools of homogeneous loans, portfolio seasoning, changes in collateral values, and detailed reviews of specific loan relationships. The Company utilizes an internal loan grading system to assign a risk grade to all commercial loans, all renegotiated loans, and each commercial credit relationship. Grades 10 through 45 are considered “pass” credits and grades 50 through 65 are considered “watch” credits and are subject to greater scrutiny. Loans with grades 70 through 95 and considered “doubtful” or “loss” and have generally been charged off. A description of the general characteristics of each grade is as follows: • Grade 10– Excellent – Loans secured by marketable collateral, with adequate margin, or supported by strong financial statements, including substantial levels of tangible net worth. Probability of serious financial deterioration is unlikely. Possess a sound repayment source and a secondary source. This classification will also include individual loans backed by liquid personal assets, established history and unquestionable character. High liquidity, minimum risk, strong ratios, and low handling costs are common to these loans. • Grade 20– Above Average – Loans that exhibit less than average risk and clearly demonstrate debt service coverage that is consistently above average as well as a strong capital base. These loans may have some deficiency or vulnerability, but with offsetting features and are considered to be fully collectable. • Grade 30– Satisfactory – Loans that have an acceptable amount of risk but may exhibit vulnerability to deterioration if adverse circumstances are encountered. These loans should demonstrate adequate debt service coverage and adequate levels of capital support but warrant periodic monitoring to ensure that weaknesses do not materialize or advance. • Grades 40 and 45 – Pass – Loans that are considered “pass credits” and typically demonstrate adequate debt service coverage. The level of risk is considered acceptable but these loans warrant ongoing monitoring to ensure that adverse trends or other credit deficiencies have not materialized or advanced. The level of risk is considered acceptable so long as the loan is given adequate and ongoing management supervision. • Grades 50 and 55 – Watch – Loans that possess some credit deficiency or potential weakness that deserves close attention. The primary source of loan repayment is sufficient but may be considered inadequate by the Bank’s standards. • Grade 60– Substandard – Loans that exhibit one or more of the following characteristics: (1) a defined credit weakness, financial deterioration is underway, and uncertainty about the likelihood that the loan will be paid from the primary source of repayment; (2) inadequately protected by the current net worth and paying capacity of the obligor; (3) reliance on secondary source of repayment such as collateral liquidation or guarantees; (4) distinct possibility the Bank will sustain loss if deficiencies are not corrected; (5) unusual courses of action are needed to maintain a high probability of repayment; (6) insufficient cash flow to repay principal but continuing to pay interest; (7) the Bank is subordinated or unsecured due to flaws in documentation; (8) loans are restructured or are on nonaccrual status due to concessions to the borrower when compared to normal loan terms; (9) the Bank is contemplating foreclosure or legal action due to the apparent deterioration in the loan; or (10) there is deterioration in the market conditions and the borrower is highly vulnerable to these conditions. • Grade 70– Doubtful – Loans that exhibit one or more of the following characteristics: (1) loans with all the weaknesses of Substandard loans and collection or liquidation is not probable to result in payment in full; (2) the primary source of repayment is gone and there is considerable doubt as to the quality of the secondary source of repayment; or (3) the possibility of loss is high, but certain important pending factors may strengthen the loan and loss classification is deferred. • Grades 80 and 90 - Loss – Loans are considered uncollectible and of such little value that continuing to carry them on the Bank’s financial statements is not feasible. The assessment of compensating factors may result in a rating plus or minus one grade from those listed above. These factors include, but are not limited to collateral, guarantors, environmental conditions, history, plan/projection reasonableness, quality of information, and payment delinquency. The portfolio segments in each credit risk grade as of September 30, 2016 are as follows (000s omitted): Credit Quality Indicators as of September 30, 2016 Credit Risk by Internally Assigned Grade Agriculture and Agricultural Real Estate Commercial Commercial Real Estate Construction Real Estate Residential Real Estate Consumer and Other Total Not Rated $ 41 $ 4,143 $ 226 $ 8,601 $ 135,498 $ 42,215 $ 190,724 10 - 5,515 - - - - 5,515 20 551 357 468 - - 146 1,522 30 678 17,908 9,672 - 224 - 28,482 40 15,874 60,469 193,382 5,185 65,954 6,835 347,699 45 2,085 2,601 16,082 1,497 4,287 - 26,552 50 1,211 1,434 19,325 576 4,411 14 26,971 55 270 1,464 4,223 1,582 653 - 8,192 60 1,251 935 11,262 331 6,225 148 20,152 70 - - - - - - - 80 - - - - - - - 90 - - - - - - - Total $ 21,961 $ 94,826 $ 254,640 $ 17,772 $ 217,252 $ 49,358 $ 655,809 Performing $ 21,239 $ 93,961 $ 244,269 $ 16,007 $ 209,100 $ 48,733 $ 633,309 Nonperforming 722 865 10,371 1,765 8,152 625 22,500 Total $ 21,961 $ 94,826 $ 254,640 $ 17,772 $ 217,252 $ 49,358 $ 655,809 The portfolio segments in each credit risk grade as of December 31, 2015 are as follows (000s omitted): Credit Quality Indicators as of December 31, 2015 Credit Risk by Internally Assigned Grade Agriculture and Agricultural Real Estate Commercial Commercial Real Estate Construction Real Estate Residential Real Estate Consumer and Other Total Not Rated $ 102 $ 2,173 $ 310 $ 6,789 $ 136,049 $ 32,461 $ 177,884 10 - 2,717 - - 60 - 2,777 20 306 359 533 - - 366 1,564 30 432 17,024 7,620 - 373 - 25,449 40 14,413 55,204 184,504 6,548 62,347 7,453 330,469 45 840 1,094 6,506 74 2,957 - 11,471 50 1,340 3,428 23,678 2,163 3,948 18 34,575 55 929 - 3,700 - - - 4,629 60 881 2,439 16,369 345 8,255 201 28,490 70 - - - - - - - 80 - - - - - - - 90 - - - - - - - Total $ 19,243 $ 84,438 $ 243,220 $ 15,919 $ 213,989 $ 40,499 $ 617,308 Performing $ 18,362 $ 83,372 $ 228,624 $ 14,104 $ 205,430 $ 39,869 $ 589,761 Nonperforming 881 1,066 14,596 1,815 8,559 630 27,547 Total $ 19,243 $ 84,438 $ 243,220 $ 15,919 $ 213,989 $ 40,499 $ 617,308 Loans are considered past due when contractually required payment of interest or principal has not been received. The amount classified as past due is the entire principal balance outstanding of the loan, not just the amount of payments that are past due. The following is a summary of past due loans as of September 30, 2016 and December 31, 2015 (000s omitted): September 30, 2016 30-59 Days Past Due 60-89 Days Past Due >90 Days Past Due Total Past Due Current Total Loans Recorded Investment >90 Days Past Due and Accruing Agriculture and Agricultural Real Estate $ 238 $ - $ 113 $ 351 $ 21,610 $ 21,961 $ - Commercial 302 67 73 442 94,384 94,826 32 Commercial Real Estate 1,745 112 1,680 3,537 251,103 254,640 - Construction Real Estate - - - - 17,772 17,772 - Residential Real Estate 1,305 694 1,054 3,053 214,199 217,252 - Consumer and Other 8 - 41 49 49,309 49,358 - Total $ 3,598 $ 873 $ 2,961 $ 7,432 $ 648,377 $ 655,809 $ 32 December 31, 2015 30-59 Days Past Due 60-89 Days Past Due >90 Days Past Due Total Past Due Current Total Loans Recorded Investment >90 Days Past Due and Accruing Agriculture and Agricultural Real Estate $ 136 $ 213 $ 44 $ 393 $ 18,850 $ 19,243 $ - Commercial 10 75 76 161 84,277 84,438 4 Commercial Real Estate 2,194 230 2,123 4,547 238,673 243,220 - Construction Real Estate - - - - 15,919 15,919 - Residential Real Estate 2,252 227 464 2,943 211,046 213,989 - Consumer and Other 130 81 52 263 40,236 40,499 - Total $ 4,722 $ 826 $ 2,759 $ 8,307 $ 609,001 $ 617,308 $ 4 Loans are placed on non-accrual status when, in the opinion of Management, the collection of additional interest is doubtful. Loans are automatically placed on non-accrual status upon becoming ninety days past due, however, loans may be placed on non-accrual status regardless of whether or not they are past due. All cash received on non-accrual loans is applied to the principal balance. Loans are considered for return to accrual status on an individual basis when all principal and interest amounts contractually due are brought current and future payments are reasonably assured. The following is a summary of non-accrual loans as of September 30, 2016 and December 31, 2015 (000s omitted): September 30, 2016 December 31, 2015 Agriculture and Agricultural Real Estate $ 113 $ 565 Commercial 156 148 Commercial Real Estate 3,577 4,823 Construction Real Estate 35 46 Residential Real Estate 2,525 2,915 Consumer and Other 139 136 Total $ 6,545 $ 8,633 For loans deemed to be impaired due to an expectation that all contractual payments will probably not be received, impairment is measured by comparing the Bank’s recorded investment in the loan to the present value of expected cash flows discounted at the loan’s effective interest rate, the fair value of the collateral, or the loan’s observable market price. The following is a summary of impaired loans as of September 30, 2016 and 2015 (000s omitted): September 30, 2016 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment for the Three Months Ended Interest Income Recognized in the Three Months Ended Average Recorded Investment for the Nine Months Ended Interest Income Recognized in the Nine Months Ended With no related allowance recorded: Agriculture and Agricultural Real Estate $ 1,003 $ 1,202 $ - $ 1,017 $ 11 $ 1,024 $ 36 Commercial 146 197 - 152 2 157 8 Commercial Real Estate 5,209 5,575 - 5,390 49 5,456 152 Construction Real Estate 99 132 - 120 2 126 6 Residential Real Estate 5,188 5,486 - 5,433 69 5,553 198 Consumer and Other 33 33 - 34 1 36 2 With an allowance recorded: Agriculture and Agricultural Real Estate 248 247 5 248 3 249 10 Commercial 571 581 340 651 7 729 24 Commercial Real Estate 4,222 4,435 629 4,431 45 4,590 153 Construction Real Estate 1,662 1,662 255 1,668 19 1,677 57 Residential Real Estate 2,541 2,590 347 2,659 33 2,726 84 Consumer and Other 454 475 187 457 5 465 17 Total: Agriculture and Agricultural Real Estate $ 1,251 $ 1,449 $ 5 $ 1,265 $ 14 $ 1,273 $ 46 Commercial 717 778 340 803 9 886 32 Commercial Real Estate 9,431 10,010 629 9,821 94 10,046 305 Construction Real Estate 1,761 1,794 255 1,788 21 1,803 63 Residential Real Estate 7,729 8,076 347 8,092 102 8,279 282 Consumer and Other 487 508 187 491 6 501 19 Recorded Investment as of December 31, 2015 Unpaid Principal Balance as of December 31, 2015 Related Allowance as of December 31, 2015 Average Recorded Investment for the Three Months Ended Sept. 30, 2015 Interest Income Recognized in the Three Months Ended Sept. 30, 2015 Average Recorded Investment for the Nine Months Ended Sept. 30, 2015 Interest Income Recognized in the Nine Months Ended Sept. 30, 2015 With no related allowance recorded: Agriculture and Agricultural Real Estate $ - $ - $ - $ - $ 2 $ 1 $ 6 Commercial 63 113 - 56 1 64 3 Commercial Real Estate 7,701 8,107 - 8,919 85 9,031 275 Construction Real Estate 200 233 - 276 3 312 8 Residential Real Estate 4,137 4,359 - 4,943 63 5,087 191 Consumer and Other 26 26 - 34 1 37 4 With an allowance recorded: Agriculture and Agricultural Real Estate 882 885 240 1,214 13 1,230 35 Commercial 895 916 672 1,279 14 1,338 47 Commercial Real Estate 5,697 6,183 634 9,686 96 9,755 302 Construction Real Estate 1,609 1,609 277 1,731 20 1,740 60 Residential Real Estate 3,206 3,310 506 6,204 76 6,243 209 Consumer and Other 470 468 223 500 6 509 17 Total: Agriculture and Agricultural Real Estate $ 882 $ 885 $ 240 $ 1,214 $ 15 $ 1,231 $ 41 Commercial 958 1,029 672 1,335 15 1,402 50 Commercial Real Estate 13,398 14,290 634 18,605 181 18,786 577 Construction Real Estate 1,809 1,842 277 2,007 23 2,052 68 Residential Real Estate 7,343 7,669 506 11,147 139 11,330 400 Consumer and Other 496 494 223 534 7 546 21 The Bank may agree to modify the terms of a loan in order to improve the Bank’s ability to collect amounts due. These modifications may include reduction of the interest rate, extension of the loan term, or in some cases, reduction of the principal balance. Modifications that are performed due to the debtor’s financial difficulties are considered Troubled Debt Restructurings (“TDRs”). Loans that have been classified as TDRs during the three and nine month periods ended September 30, 2016 and September 30, 2015 are as follows (000s omitted from dollar amounts): Three months ended Nine months ended September 30, 2016 September 30, 2016 Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Agriculture and Agricultural Real Estate - $ - $ - 1 $ 362 $ 361 Commercial 1 250 250 1 250 250 Commercial Real Estate 1 215 215 1 215 215 Construction Real Estate - - - - - - Residential Real Estate 2 242 241 9 693 653 Consumer and Other - - - 1 57 55 Total 4 $ 707 $ 706 13 $ 1,577 $ 1,534 Three months ended Nine months ended September 30, 2015 September 30, 2015 Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Agriculture and Agricultural Real Estate 3 $ 325 $ 324 3 $ 325 $ 324 Commercial - - - 1 66 64 Commercial Real Estate - - - 3 684 636 Construction Real Estate - - - - - - Residential Real Estate - - - 7 581 523 Consumer and Other - - - - - - Total 3 $ 325 $ 324 14 $ 1,656 $ 1,547 The Bank considers TDRs that become past due under the modified terms as defaulted. There were no loans that became TDRs during the nine month periods ended September 30, 2016 and September 30, 2015 that subsequently defaulted during the nine month periods ended September 30, 2016 and September 30, 2015, respectively. The Company has allocated $1,733,000 of specific reserves to customers whose loan terms have been modified in troubled debt restructurings at September 30, 2016. In addition, there were no commitments to lend additional amounts to borrowers that are classified as troubled debt restructurings as of September 30, 2016 and September 30, 2015.

Note 6 - Investment Securities

Note 6 - Investment Securities	9 Months Ended
	Sep. 30, 2016
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	6. INVESTMENT SECURITIES The following is a summary of the Bank’s investment securities portfolio as of September 30, 2016 and December 31, 2015 (000s omitted): Held to Maturity September 30, 2016 Gross Gross Estimated Amortized Unrealized Unrealized Market Cost Gains Losses Value Obligations of States and Political Subdivisions $ 42,185 $ 1,746 $ (38 ) $ 43,893 Corporate Debt Securities 500 3 - 503 $ 42,685 $ 1,749 $ (38 ) $ 44,396 Available for Sale September 30, 2016 Gross Gross Estimated Amortized Unrealized Unrealized Market Cost Gains Losses Value Obligations of U.S. Government Agencies $ 247,783 $ 3,312 $ (285 ) $ 250,810 Mortgage Backed Securities issued by U.S. Government Agencies 153,492 663 (651 ) 153,504 Obligations of States and Political Subdivisions 25,068 261 (21 ) 25,308 Other Debt Securities 33,397 426 - 33,823 Equity Securities 2,044 121 - 2,165 $ 461,784 $ 4,783 $ (957 ) $ 465,610 Held to Maturity December 31, 2015 Gross Gross Estimated Amortized Unrealized Unrealized Market Cost Gains Losses Value Obligations of States and Political Subdivisions $ 40,782 $ 1,333 $ (178 ) $ 41,937 Corporate Debt Securities 500 - - 500 $ 41,282 $ 1,333 $ (178 ) $ 42,437 Available for Sale December 31, 2015 Gross Gross Estimated Amortized Unrealized Unrealized Market Cost Gains Losses Value Obligations of U.S. Government Agencies $ 370,469 $ 1,647 $ (3,055 ) $ 369,061 Mortgage Backed Securities issued by U.S. Government Agencies 104,472 107 (1,327 ) 103,252 Obligations of States and Political Subdivisions 17,212 305 (48 ) 17,469 Corporate Debt Securities 5,000 - (50 ) 4,950 Equity Securities 2,044 83 - 2,127 $ 499,197 $ 2,142 $ (4,480 ) $ 496,859 The amortized cost and estimated market values of securities by contractual maturity as of September 30, 2016 are shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Held to Maturity Available for Sale Estimated Estimated Amortized Market Amortized Market Cost Value Cost Value Contractual maturity in 1 year or less $ 9,925 $ 9,938 $ 3,844 $ 3,844 After 1 year through five years 21,406 21,890 130,791 132,281 After 5 years through 10 years 9,347 10,273 171,613 173,816 After 10 years 2,007 2,295 - - Total 42,685 44,396 306,248 309,941 Mortgage Backed Securities - - 153,492 153,504 Securities with no stated maturity - - 2,044 2,165 Total $ 42,685 $ 44,396 $ 461,784 $ 465,610 The investment securities portfolio is evaluated for impairment throughout the year. Impairment is recorded against individual securities, unless the decrease in fair value is attributable to interest rates or the lack of an active market, and Management determines that the Company does not intend to sell the investments and it is not more likely than not that the Company will be required to sell the investments before a recovery of their amortized costs bases, which may be maturity. The following table shows the gross unrealized losses and fair value of the Company’s investments with unrealized losses (in thousands), aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at September 30, 2016 and December 31, 2015. September 30, 2016 Less than 12 months 12 months or longer Total Aggregate Fair Value Gross Unrealized Losses Aggregate Fair Value Gross Unrealized Losses Aggregate Fair Value Gross Unrealized Losses Obligations of United States Government Agencies $ 69,230 $ 285 $ - $ - $ 69,230 $ 285 Mortgage Backed Securities issued by U.S. Government Agencies 69,646 341 25,840 310 95,486 651 Obligations of States and Political Subdivisions 15,846 48 3,563 11 19,409 59 Corporate Debt Securities - - - - - - $ 154,722 $ 674 $ 29,403 $ 321 $ 184,125 $ 995 December 31, 2015 Less than 12 months 12 months or longer Total Aggregate Fair Value Gross Unrealized Losses Aggregate Fair Value Gross Unrealized Losses Aggregate Fair Value Gross Unrealized Losses Obligations of United States Government Agencies $ 170,178 $ 2,367 $ 53,497 $ 688 $ 223,675 $ 3,055 Mortgage Backed Securities issued by U.S. Government Agencies 57,949 633 31,118 694 89,067 1,327 Obligations of States and Political Subdivisions 10,830 165 5,324 61 16,154 226 Corporate Debt Securities 4,950 50 - - 4,950 50 $ 243,907 $ 3,215 $ 89,939 $ 1,443 $ 333,846 $ 4,658 The amount of investment securities issued by government agencies, states, and political subdivisions with unrealized losses and the amount of unrealized losses on those investment securities are primarily the result of market interest rates and not the result of the credit quality of the issuers of the securities. Because the Company does not intend to sell the investments and it is not more likely than not that the Company will be required to sell the investments before recovery of their amortized cost bases, which may be maturity, the Company does not consider those investments to be other than temporarily impaired at September 30, 2016. As of September 30, 2016 and December 31, 2015, there were 96 and 146 securities in an unrealized loss position, respectively.

Note 7 - Fair Value of Financia

Note 7 - Fair Value of Financial Instruments	9 Months Ended
	Sep. 30, 2016
Notes to Financial Statements
Fair Value Disclosures [Text Block]	7. FAIR VALUE OF FINANCIAL INSTRUMENTS Fair value, as defined in ASC Topic 820, is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability or, in the absence of a principal market, the most advantageous market for the asset or liability. The price in the principal (or most advantageous) market used to measure the fair value of the asset or liability is not adjusted for transaction costs. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for market activities that are usual and customary for transactions involving such assets or liabilities; it is not a forced transaction. Market participants are buyers and sellers in the principal market that are (i) independent, (ii) knowledgeable, (iii) able to transact and (iv) willing to transact. The Company utilizes fair value measurements to record fair value adjustments to certain assets and to determine fair value disclosures. Fair value is used on a recurring basis for Available for Sale Securities. Additionally, fair value is used on a non-recurring basis to evaluate assets or liabilities for impairment or for disclosure purposes. Examples of these non-recurring uses of fair value include certain loans held for sale accounted for on a lower of cost or market basis. Depending on the nature of the asset or liability, the Company uses various valuation techniques and assumptions when estimating fair value. The Company applied the following fair value hierarchy: Level 1 – Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets. The Company’s mutual fund investments where quoted prices are available in an active market generally are classified within Level 1 of the fair value hierarchy. Level 2 – Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument. The Company’s borrowed funds and investments in U.S. government agency securities, government sponsored mortgage backed securities, corporate debt securities, bank certificates of deposit, and obligations of states and political subdivisions are generally classified in Level 2 of the fair value hierarchy. Fair values for these instruments are estimated using pricing models, quoted prices of securities with similar characteristics, or discounted cash flows. Level 3 – Inputs to the valuation methodology are unobservable and significant to the fair value measurement. Private equity investments and certain municipal debt obligations are classified within Level 3 of the fair value hierarchy. Fair values are initially valued based on transaction price and are adjusted to reflect exit values. The following tables present information about the Company’s financial assets and liabilities measured at fair value on a recurring basis at September 30, 2016 and December 31, 2015, and the valuation techniques used by the Company to determine those fair values. Total Carrying Estimated September 30, 2016 Value Level 1 Level 2 Level 3 Fair Value Financial Assets: Cash and due from banks $ 60,901 $ 60,901 $ - $ - $ 60,901 Time Deposits in Other Banks 19,196 - 19,216 250 19,466 Securities - Held to Maturity Obligations of States and Political Subdivisions 42,185 - 3,453 40,440 43,893 Corporate Debt Securities 500 - 503 - 503 Securities - Available for Sale Obligations of U.S. Government Agencies 250,810 - 250,810 - 250,810 MBS issued by U.S. Government Agencies 153,504 - 153,504 - 153,504 Obligations of States and Political Subdivisions 25,308 - 25,308 - 25,308 Other Debt Securities 33,823 - 33,823 - 33,823 Other Securities 2,165 2,165 - - 2,165 Federal Home Loan Bank Stock 4,148 - 4,148 - 4,148 Loans Held for Sale 636 - - 651 651 Loans, net 646,404 - - 649,049 649,049 Accrued Interest Receivable 4,626 - - 4,626 4,626 Financial Liabilities: Noninterest Bearing Deposits 285,764 285,764 - - 285,764 Interest Bearings Deposits 894,697 - 896,271 - 896,271 Accrued Interest Payable 54 - - 54 54 Total Carrying Estimated December 31, 2015 Value Level 1 Level 2 Level 3 Fair Value Financial Assets: Cash and due from banks $ 79,550 $ 79,550 $ - $ - $ 79,550 Time Deposits in Other Banks 5,500 - 4,965 500 5,465 Securities - Held to Maturity Obligations of States and Political Subdivisions 40,782 - 3,805 38,132 41,937 Corporate Debt Securities 500 - 500 - 500 Securities - Available for Sale Obligations of U.S. Government Agencies 369,061 - 369,061 - 369,061 MBS issued by U.S. Government Agencies 103,252 - 103,252 - 103,252 Obligations of States and Political Subdivisions 17,469 - 17,469 - 17,469 Corporate Debt Securities 4,950 - 4,950 - 4,950 Other Securities 2,127 2,127 - - 2,127 Federal Home Loan Bank Stock 4,148 - 4,148 - 4,148 Loans Held for Sale 1,477 - - 1,508 1,508 Loans, net 606,412 - - 613,397 613,397 Accrued Interest Receivable 4,170 - - 4,170 4,170 Financial Liabilities: Noninterest Bearing Deposits 253,795 253,795 - - 253,795 Interest Bearings Deposits 911,598 - 913,410 - 913,410 Repurchase Agreements 15,000 - 15,253 - 15,253 Accrued Interest Payable 108 - - 108 108 In instances where inputs used to measure fair value fall into different levels in the above fair value hierarchy, fair value measurements in their entirety are categorized based on the lowest level input that is significant to the valuation. The Company’s assessment of the significance of particular inputs to these fair value measurements requires judgment and considers factors specific to each asset. The Company did not have any Level 3 assets measured at fair value on a recurring basis as of September 30, 2016 or December 31, 2015. The Company did not have any sales or purchases of Level 3 available for sale securities during the period. Both observable and unobservable inputs may be used to determine the fair value of positions classified as Level 3 assets. As a result, the unrealized gains and losses for these assets presented in the tables above may include changes in fair value that were attributable to both observable and unobservable inputs. The Company also has assets that under certain conditions are subject to measurement at fair value on a nonrecurring basis. These assets include loans and Other Real Estate Owned. The Company estimated the fair values of these assets using Level 3 inputs, specifically discounted cash flow projections. Assets measured at fair value on a nonrecurring basis are as follows (000s omitted): Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) September 30, 2016 Impaired loans $ - $ - $ 19,613 Other Real Estate Owned $ - $ - $ 1,686 December 31, 2015 Impaired loans $ - $ - $ 22,334 Other Real Estate Owned $ - $ - $ 2,383 Impaired loans categorized as Level 3 assets consist of non-homogenous loans that are considered impaired. The Company estimates the fair value of the loans based on the present value of expected future cash flows using management’s best estimate of key assumptions. These assumptions include future payment ability, timing of payment streams, and estimated realizable values of available collateral (typically based on outside appraisals). Other Real Estate Owned (OREO) consists of property received in full or partial satisfaction of a receivable. The Company utilizes independent appraisals to estimate the fair value of OREO properties.

Note 8 - Financial Instruments

Note 8 - Financial Instruments with Off-balance Sheet Risk	9 Months Ended
	Sep. 30, 2016
Notes to Financial Statements
Fair Value of Off-Balance Sheet Risks Disclosure [Text Block]	8. FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Those instruments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated statements of condition. The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of those instruments. The Bank uses the same credit policies in making commitments and conditional obligations as it does for its other lending activities. Financial instruments whose contractual amounts represent off-balance sheet credit risk were as follows (000s omitted): Contractual Amount September 30, December 31, 2016 2015 Commitments to extend credit: Unused portion of commercial lines of credit $ 71,404 $ 70,488 Unused portion of credit card lines of credit 4,323 4,396 Unused portion of home equity lines of credit 24,925 23,164 Standby letters of credit and financial guarantees written 1,582 1,555 All other off-balance sheet commitments - - Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Most commercial lines of credit are secured by real estate mortgages or other collateral, and generally have fixed expiration dates or other termination clauses. Since the lines of credit may expire without being drawn upon, the total committed amounts do not necessarily represent future cash requirements. Credit card lines of credit have various established expiration dates, but are fundable on demand. Home equity lines of credit are secured by real estate mortgages, a majority of which have ten year expiration dates, but are fundable on demand. The Bank evaluates each customer’s creditworthiness on a case-by-case basis. The amount of the collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on Management’s credit evaluation of the counterparty. Standby letters of credit written are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements and other business transactions.

Significant Accounting Policies

Significant Accounting Policies (Policies)	9 Months Ended
	Sep. 30, 2016
Accounting Policies [Abstract]
Consolidation, Policy [Policy Text Block]	PRINCIPLES OF CONSOLIDATION The consolidated financial statements include the accounts of the Company and its subsidiary. All material intercompany transactions and balances have been eliminated.
Comprehensive Income, Policy [Policy Text Block]	COMPREHENSIVE INCOME Accounting principles generally require that revenue, expenses, gains, and losses be included in net income. Certain changes in assets and liabilities, however, such as unrealized gains and losses on securities available for sale and amounts recognized related to postretirement benefit plans (gains and losses, prior service costs, and transition assets or obligations), are reported as a direct adjustment to the equity section of the balance sheet. Such items, along with net income, are components of comprehensive income.
Segment Reporting, Policy [Policy Text Block]	BUSINESS SEGMENTS While the Company's chief decision makers monitor the revenue streams of various products and services, operations are managed and financial performance is evaluated on a company wide basis. Accordingly, all of the Company’s operations are considered by management to be aggregated in one reportable segment.
Fair Value Measurement, Policy [Policy Text Block]	FAIR VALUE The Company measures or monitors many of its assets and liabilities on a fair value basis. Fair value is used on a recurring basis for assets and liabilities that are elected to be accounted for under The Fair Value Option as well as for certain assets and liabilities in which fair value is the primary basis of accounting. Examples of these include derivative instruments and available for sale securities. Additionally, fair value is used on a non-recurring basis to evaluate assets or liabilities for impairment or for disclosure purposes. Examples of these non-recurring uses of fair value include certain loans held for sale accounted for on a lower of cost or market basis. Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. Depending on the nature of the asset or liability, the Company uses various valuation techniques and assumptions when estimating fair value. When determining the fair value measurements for assets and liabilities required or permitted to be recorded at and/or marked to fair value, the Company considers the principal or most advantageous market in which it would transact and considers assumptions that market participants would use when pricing the asset or liability. When possible, the Company looks to active and observable markets to price identical assets or liabilities. When identical assets and liabilities are not traded in active markets, the Company looks to market observable data for similar assets or liabilities. Nevertheless, certain assets and liabilities are not actively traded in observable markets and the Company must use alternative valuation techniques to derive a fair value measurement.
New Accounting Pronouncements, Policy [Policy Text Block]	ACCOUNTING PRONOUNCEMENTS The Financial Accounting Standards Board (FASB) issued Accounting Standards Update 2014-09 (ASU 2014-09), “Revenue from Contracts with Customers (Topic 606)”. ASU 2014-09 adopts a standardized approach for revenue recognition and was a joint effort with the International Accounting Standards Board (IASB). The new revenue recognition standard is based on a core principle of recognizing revenue to depict the transfer of promised goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. ASU 2014-09 does not apply to financial instruments. ASU 2014-09 is effective for public entities for reporting periods beginning after December 15, 2017 (therefore, for the year ending December 31, 2018 for the Corporation). Early implementation is not allowed for public companies. Management is currently assessing the impact to the Corporation’s consolidated financial statements. In January 2016, the FASB issued ASU No. 2016-01, “Financial Instruments - Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities”. The amendments in ASU 2016-01 supersede the guidance to classify equity securities with readily determinable fair values into different categories (that is, trading or available-for-sale) and require equity securities (including other ownership interests, such as partnerships, unincorporated joint ventures, and limited liability companies) to be measured at fair value with changes in the fair value recognized through net income. The amendments allow equity investments that do not have readily determinable fair values to be re-measured at fair value either upon the occurrence of an observable price change or upon identification of an impairment. The amendments also require enhanced disclosures about those investments. The amendments improve financial reporting by providing relevant information about an entity’s equity investments and reducing the number of items that are recognized in other comprehensive income. For public business entities, the amendments in this update are effective for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The amendments should be applied by means of a cumulative-effect adjustment to the balance sheet as of the beginning of the fiscal year of adoption. The adoption of this guidance is not expected to have a material effect on the Company’s financial position or results of operations. In February 2016, the Financial Accounting Standards Board issued ASU 2016-02, “Leases”, which will supersede the current lease requirements in ASC 840. The ASU requires lessees to recognize a right of use asset and related lease liability for all leases, with a limited exception for short-term leases. Leases will be classified as either finance or operating, with the classification affecting the pattern of expense recognition in the statement of operations. Currently, leases are classified as either capital or operating, with only capital leases recognized on the balance sheet. The reporting of lease related expenses in the statements of operations and cash flows will be generally consistent with the current guidance. The new lease footnote guidance will be effective for the Company’s year ending December 31, 2019 and will be applied using a modified retrospective transition method to the beginning of the earliest period presented. The effect of applying the new lease guidance on the financial statements as not yet been determined, however the new lease standard is not expected to have a significant effect on the Company’s financial statements. In June 2016, the Financial Accounting Standards Board issued ASU No. 2016-13, Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments. ASU 2016-13 changes how entities will measure credit losses for most financial assets and certain other instruments that are not measured at fair value through net income. ASU 2016-13 requires an entity measure expected credit losses for financial assets over the estimated lifetime of expected credit loss and record an allowance that, when deducted from the amortized cost basis of the financial asset, presents the net amount expected to be collected on the financial asset. The standard includes the following core concepts in determining the expected credit loss estimate: (a) be based on an asset’s amortized cost (including premiums or discounts, net deferred fees and costs, foreign exchange and fair value hedge accounting adjustments), (b) reflect losses expected over the remaining contractual life of an asset (considering the effect of voluntary prepayments), (c) consider available relevant information about the estimated collectability of cash flows (including information about past events, current conditions, and reasonable and supportable forecasts), and (d) reflect the risk of loss, even when that risk is remote. ASU 2016-13 also amends the recording of purchased credit-deteriorated assets. Under the new guidance, an allowance will be recognized at acquisition through a gross-up approach whereby an entity will record as the initial amortized cost the sum of (a) the purchase price and (b) an estimate of credit losses as of the date of acquisition. In addition, the guidance also requires immediate recognition in earnings any subsequent changes, both favorable and unfavorable, in expected cash flows by adjusting this allowance. ASU 2016-13 amends the impairment model for available-for-sale debt securities and requires entities to determine whether all or a portion of the unrealized loss on an available-for-sale debt security is a credit loss. Management may not use the length of time a security has been in an unrealized loss position as a factor in concluding whether a credit loss exists, as is currently permitted. In addition, an entity will recognize an allowance for credit losses on available-for-sale debt securities as a contra-account to the amortized cost basis rather than as a direct reduction of the amortized cost basis of the investment, as is currently required. As a result, entities will recognize improvements to credit losses on available-for-sale debt securities immediately in earnings rather than as interest income over time under current practice. New disclosures required by ASU 2016-13 include: (a) for financial assets measured at amortized cost, an entity will be required to disclose information about how it developed its allowance, including changes in the factors that influenced management’s estimate of expected credit losses and the reasons for those changes, (b) for financial receivables and net investments in leases measured at amortized cost, an entity will be required to further disaggregate the information it currently discloses about the credit quality of these assets by year of the asset’s origination or vintage for as many as five annual periods, and (c) for available-for-sale debt securities, an entity will be required to provide a roll-forward of the allowance for credit losses and an aging analysis for securities that are past due. Upon adoption of ASU 2016-13, a cumulative-effect adjustment to retained earnings will be recorded as of the beginning of the first reporting period in which the guidance is effective. ASU 2016-13 is effective for public companies for interim and annual periods beginning after December 15, 2019, with early adoption permitted for annual periods beginning after December 15, 2018. The Corporation is currently evaluating the provisions of ASU 2016-13 to determine the potential impact on the Corporation's consolidated financial condition and results of operations.

Note 2 - Earnings Per Share (Ta

Note 2 - Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2016
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the three months ended September 30, For the nine months ended September 30, 2016 2015 2016 2015 Basic Net income $ 3,687,000 $ 3,006,000 $ 10,923,000 $ 8,068,000 Average common shares outstanding 22,733,134 22,748,974 22,823,682 22,734,952 Earnings per common share - basic $ 0.16 $ 0.13 $ 0.48 $ 0.35 Diluted Net income $ 3,687,000 $ 3,006,000 $ 10,923,000 $ 8,068,000 Average common shares outstanding 22,733,134 22,748,974 22,823,682 22,734,952 Equity compensation 182,144 200,089 164,682 181,492 Average common shares outstanding - diluted 22,915,278 22,949,063 22,988,364 22,916,444 Earnings per common share - diluted $ 0.16 $ 0.13 $ 0.48 $ 0.35

Note 3 - Stock Based Compensa18

Note 3 - Stock Based Compensation (Tables)	9 Months Ended
	Sep. 30, 2016
Notes Tables
Schedule of Share-based Compensation, Stock Options and Stock Appreciation Rights Award Activity [Table Text Block]	Weighted Average SOSARs Base Price SOSARs Outstanding, January 1, 2016 609,275 $ 4.02 Granted 105,500 8.26 Exercised (209,887 ) 2.77 Forfeited (8,839 ) 5.68 Expired - - SOSARs Outstanding, September 30, 2016 496,049 $ 5.42 SOSARs Exercisable, September 30, 2016 281,169 $ 4.46

Note 4 - Loans (Tables)

Note 4 - Loans (Tables)	9 Months Ended
	Sep. 30, 2016
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	September 30, December 31, 2016 2015 Residential real estate loans $ 217,252 $ 213,989 Commercial and Construction real estate loans 272,412 259,139 Agriculture and agricultural real estate loans 21,961 19,243 Commercial and industrial loans 94,826 84,438 Loans to individuals for household, family, and other personal expenditures 49,358 40,499 Total loans, gross $ 655,809 $ 617,308 Less: Allowance for loan losses 9,405 10,896 Net Loans $ 646,404 $ 606,412
Schedule of Non-performing Assets [Table Text Block]	September 30, December 31, 2016 2015 Nonaccrual loans $ 6,545 $ 8,633 Loans 90 days past due and accruing 32 4 Restructured loans 15,923 18,910 Total nonperforming loans $ 22,500 $ 27,547 Other real estate owned 1,686 2,383 Other assets 10 - Total nonperforming assets $ 24,196 $ 29,930 Nonperforming assets to total assets 1.80 % 2.23 % Allowance for loan losses to nonperforming loans 41.80 % 39.55 %

Note 5 - Allowance for Loan L20

Note 5 - Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2016
Notes Tables
Allowance for Credit Losses on Financing Receivables [Table Text Block]	Agriculture and Agricultural Real Estate Commercial Commercial Real Estate Construction Real Estate Residential Real Estate Consumer and Other Total Allowance for loan losses: For the three months ended September 30, 2016 Beginning Balance $ 200 $ 1,526 $ 4,470 $ 460 $ 1,791 $ 1,456 $ 9,903 Charge-offs - (14 ) (61 ) - (39 ) - (114 ) Recoveries 3 24 114 13 132 30 316 Provision 18 (84 ) (140 ) (104 ) (68 ) (322 ) (700 ) Ending balance $ 221 $ 1,452 $ 4,383 $ 369 $ 1,816 $ 1,164 $ 9,405 Allowance for loan losses: For the nine months ended September 30, 2016 Beginning Balance $ 389 $ 2,279 $ 4,350 $ 420 $ 2,235 $ 1,223 $ 10,896 Charge-offs (221 ) (26 ) (413 ) - (195 ) (86 ) (941 ) Recoveries 3 102 182 40 235 88 650 Provision 50 (903 ) 264 (91 ) (459 ) (61 ) (1,200 ) Ending balance $ 221 $ 1,452 $ 4,383 $ 369 $ 1,816 $ 1,164 $ 9,405 Allowance for loan losses as of September 30, 2016 Ending balance individually evaluated for impairment $ 5 $ 340 $ 629 $ 255 $ 347 $ 187 $ 1,763 Ending balance collectively evaluated for impairment 216 1,112 3,754 114 1,469 977 7,642 Ending balance $ 221 $ 1,452 $ 4,383 $ 369 $ 1,816 $ 1,164 $ 9,405 Loans as of September 30, 2016 Ending balance individually evaluated for impairment $ 1,251 $ 717 $ 9,431 $ 1,761 $ 7,729 $ 487 $ 21,376 Ending balance collectively evaluated for impairment 20,710 94,109 245,209 16,011 209,523 48,871 634,433 Ending balance $ 21,961 $ 94,826 $ 254,640 $ 17,772 $ 217,252 $ 49,358 $ 655,809 Agriculture and Agricultural Real Estate Commercial Commercial Real Estate Construction Real Estate Residential Real Estate Consumer and Other Total Allowance for loan losses: For the three months ended September 30, 2015 Beginning Balance $ 425 $ 1,481 $ 5,437 $ 623 $ 3,070 $ 2,043 $ 13,079 Charge-offs - - (91 ) - (101 ) - (192 ) Recoveries 2 45 155 14 57 36 309 Provision 202 372 (1,232 ) (15 ) 602 (129 ) (200 ) Ending balance $ 629 $ 1,898 $ 4,269 $ 622 $ 3,628 $ 1,950 $ 12,996 Allowance for loan losses: For the nine months ended September 30, 2015 Beginning Balance $ 216 $ 1,361 $ 6,179 $ 803 $ 3,226 $ 1,423 $ 13,208 Charge-offs (75 ) (164 ) (212 ) - (353 ) (117 ) (921 ) Recoveries 12 215 337 635 414 96 1,709 Provision 476 486 (2,035 ) (816 ) 341 548 (1,000 ) Ending balance $ 629 $ 1,898 $ 4,269 $ 622 $ 3,628 $ 1,950 $ 12,996 Allowance for loan losses as of September 30, 2015 Ending balance individually evaluated for impairment $ 395 $ 878 $ 948 $ 471 $ 1,288 $ 228 $ 4,208 Ending balance collectively evaluated for impairment 234 1,020 3,321 151 2,340 1,722 8,788 Ending balance $ 629 $ 1,898 $ 4,269 $ 622 $ 3,628 $ 1,950 $ 12,996 Loans as of September 30, 2015 Ending balance individually evaluated for impairment $ 1,214 $ 1,259 $ 16,803 $ 1,843 $ 10,423 $ 522 $ 32,064 Ending balance collectively evaluated for impairment 18,926 84,715 232,177 12,831 205,348 37,748 591,745 Ending balance $ 20,140 $ 85,974 $ 248,980 $ 14,674 $ 215,771 $ 38,270 $ 623,809
Financing Receivable Credit Quality Indicators [Table Text Block]	Agriculture and Agricultural Real Estate Commercial Commercial Real Estate Construction Real Estate Residential Real Estate Consumer and Other Total Not Rated $ 41 $ 4,143 $ 226 $ 8,601 $ 135,498 $ 42,215 $ 190,724 10 - 5,515 - - - - 5,515 20 551 357 468 - - 146 1,522 30 678 17,908 9,672 - 224 - 28,482 40 15,874 60,469 193,382 5,185 65,954 6,835 347,699 45 2,085 2,601 16,082 1,497 4,287 - 26,552 50 1,211 1,434 19,325 576 4,411 14 26,971 55 270 1,464 4,223 1,582 653 - 8,192 60 1,251 935 11,262 331 6,225 148 20,152 70 - - - - - - - 80 - - - - - - - 90 - - - - - - - Total $ 21,961 $ 94,826 $ 254,640 $ 17,772 $ 217,252 $ 49,358 $ 655,809 Performing $ 21,239 $ 93,961 $ 244,269 $ 16,007 $ 209,100 $ 48,733 $ 633,309 Nonperforming 722 865 10,371 1,765 8,152 625 22,500 Total $ 21,961 $ 94,826 $ 254,640 $ 17,772 $ 217,252 $ 49,358 $ 655,809 Agriculture and Agricultural Real Estate Commercial Commercial Real Estate Construction Real Estate Residential Real Estate Consumer and Other Total Not Rated $ 102 $ 2,173 $ 310 $ 6,789 $ 136,049 $ 32,461 $ 177,884 10 - 2,717 - - 60 - 2,777 20 306 359 533 - - 366 1,564 30 432 17,024 7,620 - 373 - 25,449 40 14,413 55,204 184,504 6,548 62,347 7,453 330,469 45 840 1,094 6,506 74 2,957 - 11,471 50 1,340 3,428 23,678 2,163 3,948 18 34,575 55 929 - 3,700 - - - 4,629 60 881 2,439 16,369 345 8,255 201 28,490 70 - - - - - - - 80 - - - - - - - 90 - - - - - - - Total $ 19,243 $ 84,438 $ 243,220 $ 15,919 $ 213,989 $ 40,499 $ 617,308 Performing $ 18,362 $ 83,372 $ 228,624 $ 14,104 $ 205,430 $ 39,869 $ 589,761 Nonperforming 881 1,066 14,596 1,815 8,559 630 27,547 Total $ 19,243 $ 84,438 $ 243,220 $ 15,919 $ 213,989 $ 40,499 $ 617,308
Past Due Financing Receivables [Table Text Block]	September 30, 2016 30-59 Days Past Due 60-89 Days Past Due >90 Days Past Due Total Past Due Current Total Loans Recorded Investment >90 Days Past Due and Accruing Agriculture and Agricultural Real Estate $ 238 $ - $ 113 $ 351 $ 21,610 $ 21,961 $ - Commercial 302 67 73 442 94,384 94,826 32 Commercial Real Estate 1,745 112 1,680 3,537 251,103 254,640 - Construction Real Estate - - - - 17,772 17,772 - Residential Real Estate 1,305 694 1,054 3,053 214,199 217,252 - Consumer and Other 8 - 41 49 49,309 49,358 - Total $ 3,598 $ 873 $ 2,961 $ 7,432 $ 648,377 $ 655,809 $ 32 December 31, 2015 30-59 Days Past Due 60-89 Days Past Due >90 Days Past Due Total Past Due Current Total Loans Recorded Investment >90 Days Past Due and Accruing Agriculture and Agricultural Real Estate $ 136 $ 213 $ 44 $ 393 $ 18,850 $ 19,243 $ - Commercial 10 75 76 161 84,277 84,438 4 Commercial Real Estate 2,194 230 2,123 4,547 238,673 243,220 - Construction Real Estate - - - - 15,919 15,919 - Residential Real Estate 2,252 227 464 2,943 211,046 213,989 - Consumer and Other 130 81 52 263 40,236 40,499 - Total $ 4,722 $ 826 $ 2,759 $ 8,307 $ 609,001 $ 617,308 $ 4
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]	September 30, 2016 December 31, 2015 Agriculture and Agricultural Real Estate $ 113 $ 565 Commercial 156 148 Commercial Real Estate 3,577 4,823 Construction Real Estate 35 46 Residential Real Estate 2,525 2,915 Consumer and Other 139 136 Total $ 6,545 $ 8,633
Impaired Financing Receivables [Table Text Block]	September 30, 2016 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment for the Three Months Ended Interest Income Recognized in the Three Months Ended Average Recorded Investment for the Nine Months Ended Interest Income Recognized in the Nine Months Ended With no related allowance recorded: Agriculture and Agricultural Real Estate $ 1,003 $ 1,202 $ - $ 1,017 $ 11 $ 1,024 $ 36 Commercial 146 197 - 152 2 157 8 Commercial Real Estate 5,209 5,575 - 5,390 49 5,456 152 Construction Real Estate 99 132 - 120 2 126 6 Residential Real Estate 5,188 5,486 - 5,433 69 5,553 198 Consumer and Other 33 33 - 34 1 36 2 With an allowance recorded: Agriculture and Agricultural Real Estate 248 247 5 248 3 249 10 Commercial 571 581 340 651 7 729 24 Commercial Real Estate 4,222 4,435 629 4,431 45 4,590 153 Construction Real Estate 1,662 1,662 255 1,668 19 1,677 57 Residential Real Estate 2,541 2,590 347 2,659 33 2,726 84 Consumer and Other 454 475 187 457 5 465 17 Total: Agriculture and Agricultural Real Estate $ 1,251 $ 1,449 $ 5 $ 1,265 $ 14 $ 1,273 $ 46 Commercial 717 778 340 803 9 886 32 Commercial Real Estate 9,431 10,010 629 9,821 94 10,046 305 Construction Real Estate 1,761 1,794 255 1,788 21 1,803 63 Residential Real Estate 7,729 8,076 347 8,092 102 8,279 282 Consumer and Other 487 508 187 491 6 501 19 Recorded Investment as of December 31, 2015 Unpaid Principal Balance as of December 31, 2015 Related Allowance as of December 31, 2015 Average Recorded Investment for the Three Months Ended Sept. 30, 2015 Interest Income Recognized in the Three Months Ended Sept. 30, 2015 Average Recorded Investment for the Nine Months Ended Sept. 30, 2015 Interest Income Recognized in the Nine Months Ended Sept. 30, 2015 With no related allowance recorded: Agriculture and Agricultural Real Estate $ - $ - $ - $ - $ 2 $ 1 $ 6 Commercial 63 113 - 56 1 64 3 Commercial Real Estate 7,701 8,107 - 8,919 85 9,031 275 Construction Real Estate 200 233 - 276 3 312 8 Residential Real Estate 4,137 4,359 - 4,943 63 5,087 191 Consumer and Other 26 26 - 34 1 37 4 With an allowance recorded: Agriculture and Agricultural Real Estate 882 885 240 1,214 13 1,230 35 Commercial 895 916 672 1,279 14 1,338 47 Commercial Real Estate 5,697 6,183 634 9,686 96 9,755 302 Construction Real Estate 1,609 1,609 277 1,731 20 1,740 60 Residential Real Estate 3,206 3,310 506 6,204 76 6,243 209 Consumer and Other 470 468 223 500 6 509 17 Total: Agriculture and Agricultural Real Estate $ 882 $ 885 $ 240 $ 1,214 $ 15 $ 1,231 $ 41 Commercial 958 1,029 672 1,335 15 1,402 50 Commercial Real Estate 13,398 14,290 634 18,605 181 18,786 577 Construction Real Estate 1,809 1,842 277 2,007 23 2,052 68 Residential Real Estate 7,343 7,669 506 11,147 139 11,330 400 Consumer and Other 496 494 223 534 7 546 21
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	Three months ended Nine months ended September 30, 2016 September 30, 2016 Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Agriculture and Agricultural Real Estate - $ - $ - 1 $ 362 $ 361 Commercial 1 250 250 1 250 250 Commercial Real Estate 1 215 215 1 215 215 Construction Real Estate - - - - - - Residential Real Estate 2 242 241 9 693 653 Consumer and Other - - - 1 57 55 Total 4 $ 707 $ 706 13 $ 1,577 $ 1,534 Three months ended Nine months ended September 30, 2015 September 30, 2015 Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Agriculture and Agricultural Real Estate 3 $ 325 $ 324 3 $ 325 $ 324 Commercial - - - 1 66 64 Commercial Real Estate - - - 3 684 636 Construction Real Estate - - - - - - Residential Real Estate - - - 7 581 523 Consumer and Other - - - - - - Total 3 $ 325 $ 324 14 $ 1,656 $ 1,547

Note 6 - Investment Securities

Note 6 - Investment Securities (Tables)	9 Months Ended
	Sep. 30, 2016
Notes Tables
Held-to-maturity Securities [Table Text Block]	Held to Maturity September 30, 2016 Gross Gross Estimated Amortized Unrealized Unrealized Market Cost Gains Losses Value Obligations of States and Political Subdivisions $ 42,185 $ 1,746 $ (38 ) $ 43,893 Corporate Debt Securities 500 3 - 503 $ 42,685 $ 1,749 $ (38 ) $ 44,396 Held to Maturity December 31, 2015 Gross Gross Estimated Amortized Unrealized Unrealized Market Cost Gains Losses Value Obligations of States and Political Subdivisions $ 40,782 $ 1,333 $ (178 ) $ 41,937 Corporate Debt Securities 500 - - 500 $ 41,282 $ 1,333 $ (178 ) $ 42,437
Available-for-sale Securities [Table Text Block]	Available for Sale September 30, 2016 Gross Gross Estimated Amortized Unrealized Unrealized Market Cost Gains Losses Value Obligations of U.S. Government Agencies $ 247,783 $ 3,312 $ (285 ) $ 250,810 Mortgage Backed Securities issued by U.S. Government Agencies 153,492 663 (651 ) 153,504 Obligations of States and Political Subdivisions 25,068 261 (21 ) 25,308 Other Debt Securities 33,397 426 - 33,823 Equity Securities 2,044 121 - 2,165 $ 461,784 $ 4,783 $ (957 ) $ 465,610 Available for Sale December 31, 2015 Gross Gross Estimated Amortized Unrealized Unrealized Market Cost Gains Losses Value Obligations of U.S. Government Agencies $ 370,469 $ 1,647 $ (3,055 ) $ 369,061 Mortgage Backed Securities issued by U.S. Government Agencies 104,472 107 (1,327 ) 103,252 Obligations of States and Political Subdivisions 17,212 305 (48 ) 17,469 Corporate Debt Securities 5,000 - (50 ) 4,950 Equity Securities 2,044 83 - 2,127 $ 499,197 $ 2,142 $ (4,480 ) $ 496,859
Expected Maturities of Amortized Cost and Estimated Market Value [Table Text Block]	Held to Maturity Available for Sale Estimated Estimated Amortized Market Amortized Market Cost Value Cost Value Contractual maturity in 1 year or less $ 9,925 $ 9,938 $ 3,844 $ 3,844 After 1 year through five years 21,406 21,890 130,791 132,281 After 5 years through 10 years 9,347 10,273 171,613 173,816 After 10 years 2,007 2,295 - - Total 42,685 44,396 306,248 309,941 Mortgage Backed Securities - - 153,492 153,504 Securities with no stated maturity - - 2,044 2,165 Total $ 42,685 $ 44,396 $ 461,784 $ 465,610
Schedule of Unrealized Loss on Investments [Table Text Block]	September 30, 2016 Less than 12 months 12 months or longer Total Aggregate Fair Value Gross Unrealized Losses Aggregate Fair Value Gross Unrealized Losses Aggregate Fair Value Gross Unrealized Losses Obligations of United States Government Agencies $ 69,230 $ 285 $ - $ - $ 69,230 $ 285 Mortgage Backed Securities issued by U.S. Government Agencies 69,646 341 25,840 310 95,486 651 Obligations of States and Political Subdivisions 15,846 48 3,563 11 19,409 59 Corporate Debt Securities - - - - - - $ 154,722 $ 674 $ 29,403 $ 321 $ 184,125 $ 995 December 31, 2015 Less than 12 months 12 months or longer Total Aggregate Fair Value Gross Unrealized Losses Aggregate Fair Value Gross Unrealized Losses Aggregate Fair Value Gross Unrealized Losses Obligations of United States Government Agencies $ 170,178 $ 2,367 $ 53,497 $ 688 $ 223,675 $ 3,055 Mortgage Backed Securities issued by U.S. Government Agencies 57,949 633 31,118 694 89,067 1,327 Obligations of States and Political Subdivisions 10,830 165 5,324 61 16,154 226 Corporate Debt Securities 4,950 50 - - 4,950 50 $ 243,907 $ 3,215 $ 89,939 $ 1,443 $ 333,846 $ 4,658

Note 7 - Fair Value of Financ22

Note 7 - Fair Value of Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2016
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Total Carrying Estimated September 30, 2016 Value Level 1 Level 2 Level 3 Fair Value Financial Assets: Cash and due from banks $ 60,901 $ 60,901 $ - $ - $ 60,901 Time Deposits in Other Banks 19,196 - 19,216 250 19,466 Securities - Held to Maturity Obligations of States and Political Subdivisions 42,185 - 3,453 40,440 43,893 Corporate Debt Securities 500 - 503 - 503 Securities - Available for Sale Obligations of U.S. Government Agencies 250,810 - 250,810 - 250,810 MBS issued by U.S. Government Agencies 153,504 - 153,504 - 153,504 Obligations of States and Political Subdivisions 25,308 - 25,308 - 25,308 Other Debt Securities 33,823 - 33,823 - 33,823 Other Securities 2,165 2,165 - - 2,165 Federal Home Loan Bank Stock 4,148 - 4,148 - 4,148 Loans Held for Sale 636 - - 651 651 Loans, net 646,404 - - 649,049 649,049 Accrued Interest Receivable 4,626 - - 4,626 4,626 Financial Liabilities: Noninterest Bearing Deposits 285,764 285,764 - - 285,764 Interest Bearings Deposits 894,697 - 896,271 - 896,271 Accrued Interest Payable 54 - - 54 54 Total Carrying Estimated December 31, 2015 Value Level 1 Level 2 Level 3 Fair Value Financial Assets: Cash and due from banks $ 79,550 $ 79,550 $ - $ - $ 79,550 Time Deposits in Other Banks 5,500 - 4,965 500 5,465 Securities - Held to Maturity Obligations of States and Political Subdivisions 40,782 - 3,805 38,132 41,937 Corporate Debt Securities 500 - 500 - 500 Securities - Available for Sale Obligations of U.S. Government Agencies 369,061 - 369,061 - 369,061 MBS issued by U.S. Government Agencies 103,252 - 103,252 - 103,252 Obligations of States and Political Subdivisions 17,469 - 17,469 - 17,469 Corporate Debt Securities 4,950 - 4,950 - 4,950 Other Securities 2,127 2,127 - - 2,127 Federal Home Loan Bank Stock 4,148 - 4,148 - 4,148 Loans Held for Sale 1,477 - - 1,508 1,508 Loans, net 606,412 - - 613,397 613,397 Accrued Interest Receivable 4,170 - - 4,170 4,170 Financial Liabilities: Noninterest Bearing Deposits 253,795 253,795 - - 253,795 Interest Bearings Deposits 911,598 - 913,410 - 913,410 Repurchase Agreements 15,000 - 15,253 - 15,253 Accrued Interest Payable 108 - - 108 108
Fair Value Measurements, Nonrecurring [Table Text Block]	Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) September 30, 2016 Impaired loans $ - $ - $ 19,613 Other Real Estate Owned $ - $ - $ 1,686 December 31, 2015 Impaired loans $ - $ - $ 22,334 Other Real Estate Owned $ - $ - $ 2,383

Note 8 - Financial Instrument23

Note 8 - Financial Instruments with Off-balance Sheet Risk (Tables)	9 Months Ended
	Sep. 30, 2016
Notes Tables
Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]	Contractual Amount September 30, December 31, 2016 2015 Commitments to extend credit: Unused portion of commercial lines of credit $ 71,404 $ 70,488 Unused portion of credit card lines of credit 4,323 4,396 Unused portion of home equity lines of credit 24,925 23,164 Standby letters of credit and financial guarantees written 1,582 1,555 All other off-balance sheet commitments - -

Note 1 - Basis of Presentatio24

Note 1 - Basis of Presentation and Accounting Policies (Details Textual)	Sep. 30, 2016
Lenawee County, Michigan [Member]
Number of Loan and Wealth Management Offices	1
Monroe County, Michigan [Member]
Number of Stores	14
Wayne County, Michigan [Member]
Number of Loan and Wealth Management Offices	1
Number of Stores	6

Note 2 - Earnings Per Share - C

Note 2 - Earnings Per Share - Calculations of Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Net income	$ 3,687	$ 3,006	$ 10,923	$ 8,068
Average common shares outstanding (in shares)	22,733,134	22,748,974	22,823,682	22,734,952
Earnings per common share - basic (in dollars per share)	$ 0.16	$ 0.13	$ 0.48	$ 0.35
Equity compensation (in shares)	182,144	200,089	164,682	181,492
Average common shares outstanding - diluted (in shares)	22,915,278	22,949,063	22,988,364	22,916,444
Earnings per common share - diluted (in dollars per share)	$ 0.16	$ 0.13	$ 0.48	$ 0.35

Note 3 - Stock Based Compensa26

Note 3 - Stock Based Compensation (Details Textual) - USD ($)	Feb. 25, 2016	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015
Executive Officer [Member] | Stock Incentive Plan 2008 [Member] | Restricted Stock Units (RSUs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Requisite Service Period	2 years
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period				0
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	35,000
Executive Officer [Member] | Stock Incentive Plan 2008 [Member]
Restricted Stock Units, Number of Shares of Common Stock Per RSU	1
Certain Officers [Member] | Stock Incentive Plan 2008 [Member] | Stock Appreciation Rights (SARs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Granted	105,500
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period	10 years
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period	3 years
Non-executive Members of Board of Directors [Member] | Stock Incentive Plan 2008 [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value	$ 8.26
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period	5,000
Director [Member] | Stock Incentive Plan 2008 [Member] | Restricted Stock [Member]
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized		$ 14,000		$ 14,000
Stock Incentive Plan 2008 [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Term	7 years
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Volatility Rate	41.21%
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Risk Free Interest Rate	1.47%
Stock Appreciation Rights (SARs) [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Granted				105,500
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value	$ 3.08
Share-based Compensation Arrangement by Share-based Payment Award, Fair Value Assumptions, Expected Dividend Rate	1.50%
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Intrinsic Value		$ 1,300,000		$ 1,300,000
Shares, Issued		142,604		142,604
Share Price	$ 8.26	$ 9.05		$ 9.05
Allocated Share-based Compensation Expense		$ 162,000	$ 116,000	$ 438,000	$ 293,000

Note 3 - Stock Based Compensa27

Note 3 - Stock Based Compensation - SOSARs Activity (Details) - Stock Appreciation Rights (SARs) [Member]	9 Months Ended
	Sep. 30, 2016$ / sharesshares
SOSARs Outstanding, January 1, 2016 (in shares) | shares	609,275
SOSARs Outstanding, January 1, 2016 (in dollars per share) | $ / shares	$ 4.02
Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Granted | shares	105,500
Granted (in dollars per share) | $ / shares	$ 8.26
Exercised (in shares) | shares	(209,887)
Exercised (in dollars per share) | $ / shares	$ 2.77
Forfeited (in shares) | shares	(8,839)
Forfeited (in dollars per share) | $ / shares	$ 5.68
Expired (in shares) | shares
Expired (in dollars per share) | $ / shares
SOSARs Outstanding, September 30, 2016 (in shares) | shares	496,049
SOSARs Outstanding, September 30, 2016 (in dollars per share) | $ / shares	$ 5.42
SOSARs Exercisable, September 30, 2016 (in shares) | shares	281,169
SOSARs Exercisable, September 30, 2016 (in dollars per share) | $ / shares	$ 4.46

Note 4 - Loans (Details Textual

Note 4 - Loans (Details Textual)	9 Months Ended
	Sep. 30, 2016USD ($)
Impairment Review Minimum Amount Threshold	$ 250,000

Note 4 - Loans - Loans Receivab

Note 4 - Loans - Loans Receivable Outstanding (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015
Residential Portfolio Segment [Member]
Total loans, gross	$ 217,252	$ 213,989	$ 215,771
Commercial and Construction Real Estate Portfolio Segment [Member]
Total loans, gross	272,412	259,139
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member]
Total loans, gross	21,961	19,243	20,140
Commercial and Industrial Portfolio Segment [Member]
Total loans, gross	94,826	84,438
Consumer and Other Portfolio Segment [Member]
Total loans, gross	49,358	40,499	38,270
Total loans, gross	655,809	617,308	$ 623,809
Less: Allowance for loan losses	9,405	10,896
Net Loans	$ 646,404	$ 606,412

Note 4 - Loans - Nonperforming

Note 4 - Loans - Nonperforming Assets (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015
Nonperforming Financial Instruments [Member]
Non-accrual loans	$ 6,545	$ 8,633
Loans 90 days past due and accruing	32	4
Restructured loans	15,923	18,910
Total loans, gross	22,500	27,547
Other real estate owned	1,686	2,383
Other assets	10
Total nonperforming assets	$ 24,196	$ 29,930
Nonperforming assets to total assets	1.80%	2.23%
Allowance for loan losses to nonperforming loans	41.80%	39.55%
Non-accrual loans	$ 6,545	$ 8,633
Loans 90 days past due and accruing	32	4
Total loans, gross	655,809	617,308	$ 623,809
Other real estate owned	1,686	2,383
Total nonperforming assets	$ 1,343,026	$ 1,342,313

Note 5 - Allowance for Loan L31

Note 5 - Allowance for Loan Losses (Details Textual)	9 Months Ended
	Sep. 30, 2016USD ($)	Sep. 30, 2015USD ($)	Jun. 30, 2016USD ($)	Dec. 31, 2015USD ($)	Jun. 30, 2015USD ($)	Dec. 31, 2014USD ($)
Troubled Debt Restructuring [Member]
Financing Receivable, Allowance for Credit Losses	$ 1,733,000
Financing Receivable, Modifications, Subsequent Default, Number of Contracts	0	0
Loans and Leases Receivable, Impaired, Commitment to Lend	$ 0	$ 0
Financing Receivable, Allowance for Credit Losses	$ 9,405,000	$ 12,996,000	$ 9,903,000	$ 10,896,000	$ 13,079,000	$ 13,208,000

Note 5 - Allowance for Loan L32

Note 5 - Allowance for Loan Losses - Activity in the Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member]
Balance	$ 200	$ 425	$ 389	$ 216
Charge-offs			(221)	(75)
Recoveries	3	2	3	12
Provision For (Recovery Of) Loan Losses	18	202	50	476
Balance	221	629	221	629
Ending balance individually evaluated for impairment					$ 5		$ 395
Ending balance collectively evaluated for impairment					216		234
Financing Receivable, Allowance for Credit Losses	200	425	221	629	221	$ 389	629
Ending balance individually evaluated for impairment					1,251		1,214
Ending balance collectively evaluated for impairment					20,710		18,926
Total loans, gross					21,961	19,243	20,140
Commercial Portfolio Segment [Member]
Balance	1,526	1,481	2,279	1,361
Charge-offs	(14)		(26)	(164)
Recoveries	24	45	102	215
Provision For (Recovery Of) Loan Losses	(84)	372	(903)	486
Balance	1,452	1,898	1,452	1,898
Ending balance individually evaluated for impairment					340		878
Ending balance collectively evaluated for impairment					1,112		1,020
Financing Receivable, Allowance for Credit Losses	1,526	1,481	1,452	1,898	1,452	2,279	1,898
Ending balance individually evaluated for impairment					717		1,259
Ending balance collectively evaluated for impairment					94,109		84,715
Total loans, gross					94,826	84,438	85,974
Commercial Real Estate Portfolio Segment [Member]
Balance	4,470	5,437	4,350	6,179
Charge-offs	(61)	(91)	(413)	(212)
Recoveries	114	155	182	337
Provision For (Recovery Of) Loan Losses	(140)	(1,232)	264	(2,035)
Balance	4,383	4,269	4,383	4,269
Ending balance individually evaluated for impairment					629		948
Ending balance collectively evaluated for impairment					3,754		3,321
Financing Receivable, Allowance for Credit Losses	4,470	5,437	4,383	4,269	4,383	4,350	4,269
Ending balance individually evaluated for impairment					9,431		16,803
Ending balance collectively evaluated for impairment					245,209		232,177
Total loans, gross					254,640	243,220	248,980
Construction Real Estate Portfolio Segment [Member]
Balance	460	623	420	803
Charge-offs
Recoveries	13	14	40	635
Provision For (Recovery Of) Loan Losses	(104)	(15)	(91)	(816)
Balance	369	622	369	622
Ending balance individually evaluated for impairment					255		471
Ending balance collectively evaluated for impairment					114		151
Financing Receivable, Allowance for Credit Losses	460	623	369	622	369	420	622
Ending balance individually evaluated for impairment					1,761		1,843
Ending balance collectively evaluated for impairment					16,011		12,831
Total loans, gross					17,772	15,919	14,674
Residential Portfolio Segment [Member]
Balance	1,791	3,070	2,235	3,226
Charge-offs	(39)	(101)	(195)	(353)
Recoveries	132	57	235	414
Provision For (Recovery Of) Loan Losses	(68)	602	(459)	341
Balance	1,816	3,628	1,816	3,628
Ending balance individually evaluated for impairment					347		1,288
Ending balance collectively evaluated for impairment					1,469		2,340
Financing Receivable, Allowance for Credit Losses	1,791	3,070	1,816	3,628	1,816	2,235	3,628
Ending balance individually evaluated for impairment					7,729		10,423
Ending balance collectively evaluated for impairment					209,523		205,348
Total loans, gross					217,252	213,989	215,771
Consumer and Other Portfolio Segment [Member]
Balance	1,456	2,043	1,223	1,423
Charge-offs			(86)	(117)
Recoveries	30	36	88	96
Provision For (Recovery Of) Loan Losses	(322)	(129)	(61)	548
Balance	1,164	1,950	1,164	1,950
Ending balance individually evaluated for impairment					187		228
Ending balance collectively evaluated for impairment					977		1,722
Financing Receivable, Allowance for Credit Losses	1,456	2,043	1,164	1,950	1,164	1,223	1,950
Ending balance individually evaluated for impairment					487		522
Ending balance collectively evaluated for impairment					48,871		37,748
Total loans, gross					49,358	40,499	38,270
Balance	9,903	13,079	10,896	13,208
Charge-offs	(114)	(192)	(941)	(921)
Recoveries	316	309	650	1,709
Provision For (Recovery Of) Loan Losses	(700)	(200)	(1,200)	(1,000)
Balance	9,405	12,996	9,405	12,996
Ending balance individually evaluated for impairment					1,763		4,208
Ending balance collectively evaluated for impairment					7,642		8,788
Financing Receivable, Allowance for Credit Losses	$ 9,903	$ 13,079	$ 9,405	$ 12,996	9,405	10,896	12,996
Ending balance individually evaluated for impairment					21,376		32,064
Ending balance collectively evaluated for impairment					634,433		591,745
Total loans, gross					$ 655,809	$ 617,308	$ 623,809

Note 5 - Allowance for Loan L33

Note 5 - Allowance for Loan Losses - Credit Risk by Internally Assigned Grade (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member] | Not Rated [Member]
Total loans, gross	$ 41	$ 102
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member] | Risk Grade Rating 1 [Member]
Total loans, gross
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member] | Risk Rating Grade 2 [Member]
Total loans, gross	551	306
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member] | Risk Grade Rating 3 [Member]
Total loans, gross	678	432
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member] | Risk Grade Rating 4 [Member]
Total loans, gross	15,874	14,413
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member] | Risk Grade Rating 4.5 [Member]
Total loans, gross	2,085	840
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member] | Risk Grade Rating 5 [Member]
Total loans, gross	1,211	1,340
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member] | Risk Grade Rating 5.5 [Member]
Total loans, gross	270	929
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member] | Risk Grade Rating 6 [Member]
Total loans, gross	1,251	881
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member] | Risk Grade Rating 7 [Member]
Total loans, gross
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member] | Risk Grade Rating 8 [Member]
Total loans, gross
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member] | Risk Grade Rating 9 [Member]
Total loans, gross
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member] | Performing Financial Instruments [Member]
Total loans, gross	21,239	18,362
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Total loans, gross	722	881
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member]
Total loans, gross	21,961	19,243	$ 20,140
Commercial Portfolio Segment [Member] | Not Rated [Member]
Total loans, gross	4,143	2,173
Commercial Portfolio Segment [Member] | Risk Grade Rating 1 [Member]
Total loans, gross	5,515	2,717
Commercial Portfolio Segment [Member] | Risk Rating Grade 2 [Member]
Total loans, gross	357	359
Commercial Portfolio Segment [Member] | Risk Grade Rating 3 [Member]
Total loans, gross	17,908	17,024
Commercial Portfolio Segment [Member] | Risk Grade Rating 4 [Member]
Total loans, gross	60,469	55,204
Commercial Portfolio Segment [Member] | Risk Grade Rating 4.5 [Member]
Total loans, gross	2,601	1,094
Commercial Portfolio Segment [Member] | Risk Grade Rating 5 [Member]
Total loans, gross	1,434	3,428
Commercial Portfolio Segment [Member] | Risk Grade Rating 5.5 [Member]
Total loans, gross	1,464
Commercial Portfolio Segment [Member] | Risk Grade Rating 6 [Member]
Total loans, gross	935	2,439
Commercial Portfolio Segment [Member] | Risk Grade Rating 7 [Member]
Total loans, gross
Commercial Portfolio Segment [Member] | Risk Grade Rating 8 [Member]
Total loans, gross
Commercial Portfolio Segment [Member] | Risk Grade Rating 9 [Member]
Total loans, gross
Commercial Portfolio Segment [Member] | Performing Financial Instruments [Member]
Total loans, gross	93,961	83,372
Commercial Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Total loans, gross	865	1,066
Commercial Portfolio Segment [Member]
Total loans, gross	94,826	84,438	85,974
Commercial Real Estate Portfolio Segment [Member] | Not Rated [Member]
Total loans, gross	226	310
Commercial Real Estate Portfolio Segment [Member] | Risk Grade Rating 1 [Member]
Total loans, gross
Commercial Real Estate Portfolio Segment [Member] | Risk Rating Grade 2 [Member]
Total loans, gross	468	533
Commercial Real Estate Portfolio Segment [Member] | Risk Grade Rating 3 [Member]
Total loans, gross	9,672	7,620
Commercial Real Estate Portfolio Segment [Member] | Risk Grade Rating 4 [Member]
Total loans, gross	193,382	184,504
Commercial Real Estate Portfolio Segment [Member] | Risk Grade Rating 4.5 [Member]
Total loans, gross	16,082	6,506
Commercial Real Estate Portfolio Segment [Member] | Risk Grade Rating 5 [Member]
Total loans, gross	19,325	23,678
Commercial Real Estate Portfolio Segment [Member] | Risk Grade Rating 5.5 [Member]
Total loans, gross	4,223	3,700
Commercial Real Estate Portfolio Segment [Member] | Risk Grade Rating 6 [Member]
Total loans, gross	11,262	16,369
Commercial Real Estate Portfolio Segment [Member] | Risk Grade Rating 7 [Member]
Total loans, gross
Commercial Real Estate Portfolio Segment [Member] | Risk Grade Rating 8 [Member]
Total loans, gross
Commercial Real Estate Portfolio Segment [Member] | Risk Grade Rating 9 [Member]
Total loans, gross
Commercial Real Estate Portfolio Segment [Member] | Performing Financial Instruments [Member]
Total loans, gross	244,269	228,624
Commercial Real Estate Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Total loans, gross	10,371	14,596
Commercial Real Estate Portfolio Segment [Member]
Total loans, gross	254,640	243,220	248,980
Construction Real Estate Portfolio Segment [Member] | Not Rated [Member]
Total loans, gross	8,601	6,789
Construction Real Estate Portfolio Segment [Member] | Risk Grade Rating 1 [Member]
Total loans, gross
Construction Real Estate Portfolio Segment [Member] | Risk Rating Grade 2 [Member]
Total loans, gross
Construction Real Estate Portfolio Segment [Member] | Risk Grade Rating 3 [Member]
Total loans, gross
Construction Real Estate Portfolio Segment [Member] | Risk Grade Rating 4 [Member]
Total loans, gross	5,185	6,548
Construction Real Estate Portfolio Segment [Member] | Risk Grade Rating 4.5 [Member]
Total loans, gross	1,497	74
Construction Real Estate Portfolio Segment [Member] | Risk Grade Rating 5 [Member]
Total loans, gross	576	2,163
Construction Real Estate Portfolio Segment [Member] | Risk Grade Rating 5.5 [Member]
Total loans, gross	1,582
Construction Real Estate Portfolio Segment [Member] | Risk Grade Rating 6 [Member]
Total loans, gross	331	345
Construction Real Estate Portfolio Segment [Member] | Risk Grade Rating 7 [Member]
Total loans, gross
Construction Real Estate Portfolio Segment [Member] | Risk Grade Rating 8 [Member]
Total loans, gross
Construction Real Estate Portfolio Segment [Member] | Risk Grade Rating 9 [Member]
Total loans, gross
Construction Real Estate Portfolio Segment [Member] | Performing Financial Instruments [Member]
Total loans, gross	16,007	14,104
Construction Real Estate Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Total loans, gross	1,765	1,815
Construction Real Estate Portfolio Segment [Member]
Total loans, gross	17,772	15,919	14,674
Residential Portfolio Segment [Member] | Not Rated [Member]
Total loans, gross	135,498	136,049
Residential Portfolio Segment [Member] | Risk Grade Rating 1 [Member]
Total loans, gross		60
Residential Portfolio Segment [Member] | Risk Rating Grade 2 [Member]
Total loans, gross
Residential Portfolio Segment [Member] | Risk Grade Rating 3 [Member]
Total loans, gross	224	373
Residential Portfolio Segment [Member] | Risk Grade Rating 4 [Member]
Total loans, gross	65,954	62,347
Residential Portfolio Segment [Member] | Risk Grade Rating 4.5 [Member]
Total loans, gross	4,287	2,957
Residential Portfolio Segment [Member] | Risk Grade Rating 5 [Member]
Total loans, gross	4,411	3,948
Residential Portfolio Segment [Member] | Risk Grade Rating 5.5 [Member]
Total loans, gross	653
Residential Portfolio Segment [Member] | Risk Grade Rating 6 [Member]
Total loans, gross	6,225	8,255
Residential Portfolio Segment [Member] | Risk Grade Rating 7 [Member]
Total loans, gross
Residential Portfolio Segment [Member] | Risk Grade Rating 8 [Member]
Total loans, gross
Residential Portfolio Segment [Member] | Risk Grade Rating 9 [Member]
Total loans, gross
Residential Portfolio Segment [Member] | Performing Financial Instruments [Member]
Total loans, gross	209,100	205,430
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Total loans, gross	8,152	8,559
Residential Portfolio Segment [Member]
Total loans, gross	217,252	213,989	215,771
Consumer and Other Portfolio Segment [Member] | Not Rated [Member]
Total loans, gross	42,215	32,461
Consumer and Other Portfolio Segment [Member] | Risk Grade Rating 1 [Member]
Total loans, gross
Consumer and Other Portfolio Segment [Member] | Risk Rating Grade 2 [Member]
Total loans, gross	146	366
Consumer and Other Portfolio Segment [Member] | Risk Grade Rating 3 [Member]
Total loans, gross
Consumer and Other Portfolio Segment [Member] | Risk Grade Rating 4 [Member]
Total loans, gross	6,835	7,453
Consumer and Other Portfolio Segment [Member] | Risk Grade Rating 4.5 [Member]
Total loans, gross
Consumer and Other Portfolio Segment [Member] | Risk Grade Rating 5 [Member]
Total loans, gross	14	18
Consumer and Other Portfolio Segment [Member] | Risk Grade Rating 5.5 [Member]
Total loans, gross
Consumer and Other Portfolio Segment [Member] | Risk Grade Rating 6 [Member]
Total loans, gross	148	201
Consumer and Other Portfolio Segment [Member] | Risk Grade Rating 7 [Member]
Total loans, gross
Consumer and Other Portfolio Segment [Member] | Risk Grade Rating 8 [Member]
Total loans, gross
Consumer and Other Portfolio Segment [Member] | Risk Grade Rating 9 [Member]
Total loans, gross
Consumer and Other Portfolio Segment [Member] | Performing Financial Instruments [Member]
Total loans, gross	48,733	39,869
Consumer and Other Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Total loans, gross	625	630
Consumer and Other Portfolio Segment [Member]
Total loans, gross	49,358	40,499	38,270
Not Rated [Member]
Total loans, gross	190,724	177,884
Risk Grade Rating 1 [Member]
Total loans, gross	5,515	2,777
Risk Rating Grade 2 [Member]
Total loans, gross	1,522	1,564
Risk Grade Rating 3 [Member]
Total loans, gross	28,482	25,449
Risk Grade Rating 4 [Member]
Total loans, gross	347,699	330,469
Risk Grade Rating 4.5 [Member]
Total loans, gross	26,552	11,471
Risk Grade Rating 5 [Member]
Total loans, gross	26,971	34,575
Risk Grade Rating 5.5 [Member]
Total loans, gross	8,192	4,629
Risk Grade Rating 6 [Member]
Total loans, gross	20,152	28,490
Risk Grade Rating 7 [Member]
Total loans, gross
Risk Grade Rating 8 [Member]
Total loans, gross
Risk Grade Rating 9 [Member]
Total loans, gross
Performing Financial Instruments [Member]
Total loans, gross	633,309	589,761
Nonperforming Financial Instruments [Member]
Total loans, gross	22,500	27,547
Total loans, gross	$ 655,809	$ 617,308	$ 623,809

Note 5 - Allowance for Loan L34

Note 5 - Allowance for Loan Losses - Past Due Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015	Sep. 30, 2015
Financing Receivables, 30 to 59 Days Past Due [Member] | Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member]
Total past due	$ 238	$ 136
Financing Receivables, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Total past due	302	10
Financing Receivables, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Total past due	1,745	2,194
Financing Receivables, 30 to 59 Days Past Due [Member] | Construction Real Estate Portfolio Segment [Member]
Total past due
Financing Receivables, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member]
Total past due	1,305	2,252
Financing Receivables, 30 to 59 Days Past Due [Member] | Consumer and Other Portfolio Segment [Member]
Total past due	8	130
Financing Receivables, 30 to 59 Days Past Due [Member]
Total past due	3,598	4,722
Financing Receivables, 60 to 89 Days Past Due [Member] | Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member]
Total past due		213
Financing Receivables, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Total past due	67	75
Financing Receivables, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Total past due	112	230
Financing Receivables, 60 to 89 Days Past Due [Member] | Construction Real Estate Portfolio Segment [Member]
Total past due
Financing Receivables, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member]
Total past due	694	227
Financing Receivables, 60 to 89 Days Past Due [Member] | Consumer and Other Portfolio Segment [Member]
Total past due		81
Financing Receivables, 60 to 89 Days Past Due [Member]
Total past due	873	826
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member]
Total past due	113	44
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Total past due	73	76
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member]
Total past due	1,680	2,123
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Construction Real Estate Portfolio Segment [Member]
Total past due
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member]
Total past due	1,054	464
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Consumer and Other Portfolio Segment [Member]
Total past due	41	52
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Total past due	2,961	2,759
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member]
Total past due	351	393
Current past due	21,610	18,850
Total loans, gross	21,961	19,243	$ 20,140
Recorded investment >90 days past due and accruing
Commercial Portfolio Segment [Member]
Total past due	442	161
Current past due	94,384	84,277
Total loans, gross	94,826	84,438	85,974
Recorded investment >90 days past due and accruing	32	4
Commercial Real Estate Portfolio Segment [Member]
Total past due	3,537	4,547
Current past due	251,103	238,673
Total loans, gross	254,640	243,220	248,980
Recorded investment >90 days past due and accruing
Construction Real Estate Portfolio Segment [Member]
Total past due
Current past due	17,772	15,919
Total loans, gross	17,772	15,919	14,674
Recorded investment >90 days past due and accruing
Residential Portfolio Segment [Member]
Total past due	3,053	2,943
Current past due	214,199	211,046
Total loans, gross	217,252	213,989	215,771
Recorded investment >90 days past due and accruing
Consumer and Other Portfolio Segment [Member]
Total past due	49	263
Current past due	49,309	40,236
Total loans, gross	49,358	40,499	38,270
Recorded investment >90 days past due and accruing
Total past due	7,432	8,307
Current past due	648,377	609,001
Total loans, gross	655,809	617,308	$ 623,809
Recorded investment >90 days past due and accruing	$ 32	$ 4

Note 5 - Allowance for Loan L35

Note 5 - Allowance for Loan Losses - Non-accrual Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member]
Non-accrual loans	$ 113	$ 565
Commercial Portfolio Segment [Member]
Non-accrual loans	156	148
Commercial Real Estate Portfolio Segment [Member]
Non-accrual loans	3,577	4,823
Construction Real Estate Portfolio Segment [Member]
Non-accrual loans	35	46
Residential Portfolio Segment [Member]
Non-accrual loans	2,525	2,915
Consumer and Other Portfolio Segment [Member]
Non-accrual loans	139	136
Non-accrual loans	$ 6,545	$ 8,633

Note 5 - Allowance for Loan L36

Note 5 - Allowance for Loan Losses - Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member]
Recorded investment - without allowance	$ 1,003		$ 1,003
Unpaid principal balance - without allowance	1,202		1,202
Average recorded investment - without allowance	1,017		1,024	$ 1
Interest income recognized without allowance	11	2	36	6
Recorded investment - with allowance	248		248		882
Unpaid principal balance - with allowance	247		247		885
Related allowance	5		5		240
Average recorded investment - with allowance	248	1,214	249	1,230
Interest income recognized with allowance	3	13	10	35
Impaired Loans	1,251		1,251		882
Unpaid principal balance	1,449		1,449		885
Average recorded investment	1,265	1,214	1,273	1,231
Interest income recognized	14	15	46	41
Commercial Portfolio Segment [Member]
Recorded investment - without allowance	146		146		63
Unpaid principal balance - without allowance	197		197		113
Average recorded investment - without allowance	152	56	157	64
Interest income recognized without allowance	2	1	8	3
Recorded investment - with allowance	571		571		895
Unpaid principal balance - with allowance	581		581		916
Related allowance	340		340		672
Average recorded investment - with allowance	651	1,279	729	1,338
Interest income recognized with allowance	7	14	24	47
Impaired Loans	717		717		958
Unpaid principal balance	778		778		1,029
Average recorded investment	803	1,335	886	1,402
Interest income recognized	9	15	32	50
Commercial Real Estate Portfolio Segment [Member]
Recorded investment - without allowance	5,209		5,209		7,701
Unpaid principal balance - without allowance	5,575		5,575		8,107
Average recorded investment - without allowance	5,390	8,919	5,456	9,031
Interest income recognized without allowance	49	85	152	275
Recorded investment - with allowance	4,222		4,222		5,697
Unpaid principal balance - with allowance	4,435		4,435		6,183
Related allowance	629		629		634
Average recorded investment - with allowance	4,431	9,686	4,590	9,755
Interest income recognized with allowance	45	96	153	302
Impaired Loans	9,431		9,431		13,398
Unpaid principal balance	10,010		10,010		14,290
Average recorded investment	9,821	18,605	10,046	18,786
Interest income recognized	94	181	305	577
Construction Real Estate Portfolio Segment [Member]
Recorded investment - without allowance	99		99		200
Unpaid principal balance - without allowance	132		132		233
Average recorded investment - without allowance	120	276	126	312
Interest income recognized without allowance	2	3	6	8
Recorded investment - with allowance	1,662		1,662		1,609
Unpaid principal balance - with allowance	1,662		1,662		1,609
Related allowance	255		255		277
Average recorded investment - with allowance	1,668	1,731	1,677	1,740
Interest income recognized with allowance	19	20	57	60
Impaired Loans	1,761		1,761		1,809
Unpaid principal balance	1,794		1,794		1,842
Average recorded investment	1,788	2,007	1,803	2,052
Interest income recognized	21	23	63	68
Residential Portfolio Segment [Member]
Recorded investment - without allowance	5,188		5,188		4,137
Unpaid principal balance - without allowance	5,486		5,486		4,359
Average recorded investment - without allowance	5,433	4,943	5,553	5,087
Interest income recognized without allowance	69	63	198	191
Recorded investment - with allowance	2,541		2,541		3,206
Unpaid principal balance - with allowance	2,590		2,590		3,310
Related allowance	347		347		506
Average recorded investment - with allowance	2,659	6,204	2,726	6,243
Interest income recognized with allowance	33	76	84	209
Impaired Loans	7,729		7,729		7,343
Unpaid principal balance	8,076		8,076		7,669
Average recorded investment	8,092	11,147	8,279	11,330
Interest income recognized	102	139	282	400
Consumer and Other Portfolio Segment [Member]
Recorded investment - without allowance	33		33		26
Unpaid principal balance - without allowance	33		33		26
Average recorded investment - without allowance	34	34	36	37
Interest income recognized without allowance	1	1	2	4
Recorded investment - with allowance	454		454		470
Unpaid principal balance - with allowance	475		475		468
Related allowance	187		187		223
Average recorded investment - with allowance	457	500	465	509
Interest income recognized with allowance	5	6	17	17
Impaired Loans	487		487		496
Unpaid principal balance	508		508		$ 494
Average recorded investment	491	534	501	546
Interest income recognized	$ 6	$ 7	$ 19	$ 21

Note 5 - Allowance for Loan L37

Note 5 - Allowance for Loan Losses - Troubled Debt Restructurings (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2016USD ($)	Sep. 30, 2015USD ($)	Sep. 30, 2016USD ($)	Sep. 30, 2015USD ($)
Agriculture and Agricultural Real Estate Loans Portfolio Segment [Member]
Number of contracts		3	1	3
Pre-modification recorded principal balance		$ 325	$ 362	$ 325
Post-modification recorded principal balance		$ 324	$ 361	$ 324
Commercial Portfolio Segment [Member]
Number of contracts	1		1	1
Pre-modification recorded principal balance	$ 250		$ 250	$ 66
Post-modification recorded principal balance	$ 250		$ 250	$ 64
Commercial Real Estate Portfolio Segment [Member]
Number of contracts	1		1	3
Pre-modification recorded principal balance	$ 215		$ 215	$ 684
Post-modification recorded principal balance	$ 215		$ 215	$ 636
Construction Real Estate Portfolio Segment [Member]
Number of contracts
Pre-modification recorded principal balance
Post-modification recorded principal balance
Residential Portfolio Segment [Member]
Number of contracts	2		9	7
Pre-modification recorded principal balance	$ 242		$ 693	$ 581
Post-modification recorded principal balance	$ 241		$ 653	$ 523
Consumer and Other Portfolio Segment [Member]
Number of contracts			1
Pre-modification recorded principal balance			$ 57
Post-modification recorded principal balance			$ 55
Number of contracts	4	3	13	14
Pre-modification recorded principal balance	$ 707	$ 325	$ 1,577	$ 1,656
Post-modification recorded principal balance	$ 706	$ 324	$ 1,534	$ 1,547

Note 6 - Investment Securitie38

Note 6 - Investment Securities (Details Textual)	9 Months Ended
	Sep. 30, 2016USD ($)	Dec. 31, 2015
Other than Temporary Impairment Losses, Investments	$ 0
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions	96	146

Note 6 - Investment Securitie39

Note 6 - Investment Securities - Held to Maturity Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
US States and Political Subdivisions Debt Securities [Member]
Securities - Held to Maturity	$ 42,185	$ 40,782
Held to maturity, gross unrealized gains	1,746	1,333
Held to maturity, gross unrealized losses	(38)	(178)
Held to Maturity Securities	43,893	41,937
Corporate Debt Securities [Member]
Securities - Held to Maturity	500	500
Held to maturity, gross unrealized gains	3
Held to maturity, gross unrealized losses
Held to Maturity Securities	503	500
Securities - Held to Maturity	42,685	41,282
Held to maturity, gross unrealized gains	1,749	1,333
Held to maturity, gross unrealized losses	(38)	(178)
Held to Maturity Securities	$ 44,396	$ 42,437

Note 6 - Investment Securitie40

Note 6 - Investment Securities - Available for Sale Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
US Treasury and Government [Member]
Available for sale securities, amortized cost	$ 247,783	$ 370,469
Available for sale securities, gross unrealized gains	3,312	1,647
Available for sale securities, gross unrealized losses	(285)	(3,055)
Available for Sale Securities	250,810	369,061
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available for sale securities, amortized cost	153,492	104,472
Available for sale securities, gross unrealized gains	663	107
Available for sale securities, gross unrealized losses	(651)	(1,327)
Available for Sale Securities	153,504	103,252
US States and Political Subdivisions Debt Securities [Member]
Available for sale securities, amortized cost	25,068	17,212
Available for sale securities, gross unrealized gains	261	305
Available for sale securities, gross unrealized losses	(21)	(48)
Available for Sale Securities	25,308	17,469
Other Debt Obligations [Member]
Available for sale securities, amortized cost	33,397
Available for sale securities, gross unrealized gains	426
Available for sale securities, gross unrealized losses
Available for Sale Securities	33,823
Corporate Debt Securities [Member]
Available for sale securities, amortized cost		5,000
Available for sale securities, gross unrealized gains
Available for sale securities, gross unrealized losses		(50)
Available for Sale Securities		4,950
Equity Securities [Member]
Available for sale securities, amortized cost	2,044	2,044
Available for sale securities, gross unrealized gains	121	83
Available for sale securities, gross unrealized losses
Available for Sale Securities	2,165	2,127
Available for sale securities, amortized cost	461,784	499,197
Available for sale securities, gross unrealized gains	4,783	2,142
Available for sale securities, gross unrealized losses	(957)	(4,480)
Available for Sale Securities	$ 465,610	$ 496,859

Note 6 - Investment Securitie41

Note 6 - Investment Securities - Amortized Cost and Estimated Market Values of Securities (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Contractual maturity in
1 year or less, amortized cost	$ 9,925
1 year or less, estimated market value	9,938
1 year or less, amortized cost	3,844
1 year or less, estimated market value	3,844
After 1 year through five years, amortized cost	21,406
After 1 year through five years, estimated market value	21,890
After 1 year through five years, amortized cost	130,791
After 1 year through five years, estimated market value	132,281
After 5 years through 10 years, amortized cost	9,347
After 5 years through 10 years, estimated market value	10,273
After 5 years through 10 years, amortized cost	171,613
After 5 years through 10 years, estimated market value	173,816
After 10 years, amortized cost	2,007
After 10 years, estimated market value	2,295
After 10 years, amortized cost
After 10 years, estimated market value
Total, amortized cost	42,685
Total, estimated market value	44,396
Total, amortized cost	306,248
Total, estimated market value	309,941
Mortgage Backed Securities, amortized cost
Mortgage Backed Securities
Mortgage Backed Securities, amortized cost	153,492
Mortgage Backed Securities, estimated market value	153,504
Securities with no stated maturity, amortized cost
Securities with no stated maturity, estimated market value
Securities with no stated maturity, amortized cost	2,044
Securities with no stated maturity	2,165
Total, amortized cost	42,685	$ 41,282
Total, estimated market value	44,396	$ 42,437
Total, amortized cost	461,784
Total, estimated market value	$ 465,610

Note 6 - Investment Securitie42

Note 6 - Investment Securities - Securities in Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
US Treasury and Government [Member]
Less than 12 months, aggregate fair value	$ 69,230	$ 170,178
Less than 12 months, gross unrealized losses	285	2,367
12 months or longer, aggregate fair value		53,497
12 months or longer, gross unrealized losses		688
Total, aggregate fair value	69,230	223,675
Total, gross unrealized losses	285	3,055
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Less than 12 months, aggregate fair value	69,646	57,949
Less than 12 months, gross unrealized losses	341	633
12 months or longer, aggregate fair value	25,840	31,118
12 months or longer, gross unrealized losses	310	694
Total, aggregate fair value	95,486	89,067
Total, gross unrealized losses	651	1,327
US States and Political Subdivisions Debt Securities [Member]
Less than 12 months, aggregate fair value	15,846	10,830
Less than 12 months, gross unrealized losses	48	165
12 months or longer, aggregate fair value	3,563	5,324
12 months or longer, gross unrealized losses	11	61
Total, aggregate fair value	19,409	16,154
Total, gross unrealized losses	59	226
Corporate Debt Securities [Member]
Less than 12 months, aggregate fair value		4,950
Less than 12 months, gross unrealized losses		50
12 months or longer, aggregate fair value
12 months or longer, gross unrealized losses
Total, aggregate fair value		4,950
Total, gross unrealized losses		50
Less than 12 months, aggregate fair value	154,722	243,907
Less than 12 months, gross unrealized losses	674	3,215
12 months or longer, aggregate fair value	29,403	89,939
12 months or longer, gross unrealized losses	321	1,443
Total, aggregate fair value	184,125	333,846
Total, gross unrealized losses	$ 995	$ 4,658

Note 7 - Fair Value of Financ43

Note 7 - Fair Value of Financial Instruments (Details Textual) - USD ($)	9 Months Ended
	Sep. 30, 2016	Sep. 30, 2015	Dec. 31, 2015
Fair Value, Inputs, Level 3 [Member] | Fair Value, Measurements, Recurring [Member]
Assets, Fair Value Disclosure	$ 0		$ 0
Proceeds from Sale of Available-for-sale Securities	0
Payments to Acquire Available-for-sale Securities	0
Proceeds from Sale of Available-for-sale Securities	33,144,000	$ 29,327,000
Payments to Acquire Available-for-sale Securities	$ 291,898,000	$ 162,680,000

Note 7 - Fair Value of Financ44

Note 7 - Fair Value of Financial Instruments - Financial Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Reported Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Held to Maturity Securities	$ 42,185	$ 40,782
Available for Sale Securities	25,308	17,469
Reported Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Corporate Debt Securities [Member]
Held to Maturity Securities	500	500
Available for Sale Securities		4,950
Reported Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | US Treasury and Government [Member]
Available for Sale Securities	250,810	369,061
Reported Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available for Sale Securities	153,504
Reported Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Collateralized Mortgage Backed Securities [Member]
Available for Sale Securities		103,252
Reported Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Other Debt Obligations [Member]
Available for Sale Securities	33,823
Reported Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Equity Securities [Member]
Available for Sale Securities	2,165	2,127
Reported Value Measurement [Member] | Fair Value, Measurements, Recurring [Member]
Cash and due from banks	60,901	79,550
Time Deposits in Other Banks	19,196	5,500
Federal Home Loan Bank Stock	4,148	4,148
Loans Held for Sale	636	1,477
Loans, net	646,404	606,412
Accrued Interest Receivable	4,626	4,170
Noninterest Bearing Deposits	285,764	253,795
Interest Bearings Deposits	894,697	911,598
Accrued Interest Payable	54	108
Repurchase Agreements		15,000
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | US States and Political Subdivisions Debt Securities [Member]
Held to Maturity Securities
Available for Sale Securities
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Corporate Debt Securities [Member]
Held to Maturity Securities
Available for Sale Securities
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | US Treasury and Government [Member]
Available for Sale Securities
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available for Sale Securities
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Collateralized Mortgage Backed Securities [Member]
Available for Sale Securities
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Other Debt Obligations [Member]
Available for Sale Securities
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Equity Securities [Member]
Available for Sale Securities	2,165	2,127
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and due from banks	60,901	79,550
Time Deposits in Other Banks
Federal Home Loan Bank Stock
Loans Held for Sale
Loans, net
Accrued Interest Receivable
Noninterest Bearing Deposits	285,764	253,795
Interest Bearings Deposits
Accrued Interest Payable
Repurchase Agreements
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | US States and Political Subdivisions Debt Securities [Member]
Held to Maturity Securities	3,453	3,805
Available for Sale Securities	25,308	17,469
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Corporate Debt Securities [Member]
Held to Maturity Securities	503	500
Available for Sale Securities		4,950
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | US Treasury and Government [Member]
Available for Sale Securities	250,810	369,061
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available for Sale Securities	153,504
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Collateralized Mortgage Backed Securities [Member]
Available for Sale Securities		103,252
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Other Debt Obligations [Member]
Available for Sale Securities	33,823
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Equity Securities [Member]
Available for Sale Securities
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Cash and due from banks
Time Deposits in Other Banks	19,216	4,965
Federal Home Loan Bank Stock	4,148	4,148
Loans Held for Sale
Loans, net
Accrued Interest Receivable
Noninterest Bearing Deposits
Interest Bearings Deposits	896,271	913,410
Accrued Interest Payable
Repurchase Agreements		15,253
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | US States and Political Subdivisions Debt Securities [Member]
Held to Maturity Securities	40,440	38,132
Available for Sale Securities
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Corporate Debt Securities [Member]
Held to Maturity Securities
Available for Sale Securities
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | US Treasury and Government [Member]
Available for Sale Securities
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available for Sale Securities
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Collateralized Mortgage Backed Securities [Member]
Available for Sale Securities
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Other Debt Obligations [Member]
Available for Sale Securities
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Equity Securities [Member]
Available for Sale Securities
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Cash and due from banks
Time Deposits in Other Banks	250	500
Federal Home Loan Bank Stock
Loans Held for Sale	651	1,508
Loans, net	649,049	613,397
Accrued Interest Receivable	4,626	4,170
Noninterest Bearing Deposits
Interest Bearings Deposits
Accrued Interest Payable	54	108
Repurchase Agreements
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Held to Maturity Securities	43,893	41,937
Available for Sale Securities	25,308	17,469
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Corporate Debt Securities [Member]
Held to Maturity Securities	503	500
Available for Sale Securities		4,950
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | US Treasury and Government [Member]
Available for Sale Securities	250,810	369,061
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available for Sale Securities	153,504
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Collateralized Mortgage Backed Securities [Member]
Available for Sale Securities		103,252
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Other Debt Obligations [Member]
Available for Sale Securities	33,823
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member] | Equity Securities [Member]
Available for Sale Securities	2,165	2,127
Estimate of Fair Value Measurement [Member] | Fair Value, Measurements, Recurring [Member]
Cash and due from banks	60,901	79,550
Time Deposits in Other Banks	19,466	5,465
Federal Home Loan Bank Stock	4,148	4,148
Loans Held for Sale	651	1,508
Loans, net	649,049	613,397
Accrued Interest Receivable	4,626	4,170
Noninterest Bearing Deposits	285,764	253,795
Interest Bearings Deposits	896,271	913,410
Accrued Interest Payable	54	108
Repurchase Agreements		15,253
US States and Political Subdivisions Debt Securities [Member]
Held to Maturity Securities	43,893	41,937
Available for Sale Securities	25,308	17,469
Corporate Debt Securities [Member]
Held to Maturity Securities	503	500
Available for Sale Securities		4,950
US Treasury and Government [Member]
Available for Sale Securities	250,810	369,061
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Available for Sale Securities	153,504	103,252
Other Debt Obligations [Member]
Available for Sale Securities	33,823
Equity Securities [Member]
Available for Sale Securities	2,165	2,127
Time Deposits in Other Banks	19,196	5,500
Held to Maturity Securities	44,396	42,437
Available for Sale Securities	$ 465,610	$ 496,859

Note 7 - Fair Value of Financ45

Note 7 - Fair Value of Financial Instruments - Assets Measure at Fair Value on a Nonrecurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 1 [Member]
Impaired Loans
Other real estate owned
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 2 [Member]
Impaired Loans
Other real estate owned
Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired Loans	19,613	22,334
Other real estate owned	1,686	2,383
Other real estate owned	$ 1,686	$ 2,383

Note 8 - Financial Instrument46

Note 8 - Financial Instruments with Off-balance Sheet Risk (Details Textual)	9 Months Ended
	Sep. 30, 2016
Home Equity Line of Credit [Member]
Line of Credit Facility, Expiration Period	10 years

Note 8 - Financial Instrument47

Note 8 - Financial Instruments with Off-balance Sheet Risk - Off-balance Sheet Credit Risk Financial Instruments (Details) - USD ($) $ in Thousands	Sep. 30, 2016	Dec. 31, 2015
Commitments to Extend Credit - Commercial Lines of Credit [Member]
Off-balance sheet credit risks	$ 71,404	$ 70,488
Commitments to Extend Credit - Credit Card Lines of Credit [Member]
Off-balance sheet credit risks	4,323	4,396
Commitments to Extend Credit - Home Equity Lines of Credit [Member]
Off-balance sheet credit risks	24,925	23,164
Standby Letters of Credit and Financial Guarantees [Member]
Off-balance sheet credit risks	1,582	1,555
All Other Off-Balance Sheet Commitments [Member]
Off-balance sheet credit risks