Plumas Bancorp (PLBC) 10-Q 4 Nov 15 2015 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2015	Nov. 02, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	PLUMAS BANCORP
Trading Symbol	plbc
Document Type	10-Q
Current Fiscal Year End Date	--12-31
Entity Common Stock, Shares Outstanding		4,827,832
Amendment Flag	false
Entity Central Index Key	1,168,455
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Smaller Reporting Company
Entity Well-known Seasoned Issuer	No
Document Period End Date	Sep. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q3

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Assets
Cash and cash equivalents	$ 93,964	$ 45,574
Investment securities available for sale	89,391	90,320
Loans, less allowance for loan losses of $5,917 at September 30, 2015 and $5,451 at December 31, 2014	386,838	366,787
Premises and equipment, net	12,442	11,642
Bank owned life insurance	12,102	11,845
Real estate acquired through foreclosure	2,265	3,590
Accrued interest receivable and other assets	9,854	9,104
Total assets	606,856	538,862
Deposits:
Non-interest bearing	213,406	180,649
Interest bearing	325,348	287,242
Total deposits	538,754	467,891
Repurchase agreements	5,355	9,626
Note payable	5,000	1,000
Subordinated debenture		7,454
Accrued interest payable and other liabilities	6,229	6,084
Junior subordinated deferrable interest debentures	10,310	10,310
Total liabilities	$ 565,648	$ 502,365
Commitments and contingencies (Note 5)
Shareholders’ equity:
Common stock, no par value; 22,500,000 shares authorized; issued and outstanding – 4,827,832 shares at September 30, 2015 and 4,799,139 at December 31, 2014	$ 6,422	$ 6,312
Retained earnings	34,415	30,245
Accumulated other comprehensive income (loss), net	371	(60)
Total shareholders’ equity	41,208	36,497
Total liabilities and shareholders’ equity	$ 606,856	$ 538,862

Condensed Consolidated Balance3

Condensed Consolidated Balance Sheets (Unaudited) (Parentheticals) - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Allowance for loan losses (in Dollars)	$ 5,917	$ 5,451
Common stock, par value (in Dollars per share)	$ 0	$ 0
Common stock, shares authorized	22,500,000	22,500,000
Common stock, shares issued	4,827,832	4,799,139
Common stock, shares outstanding	4,827,832	4,799,139

Condensed Consolidated Statemen

Condensed Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Interest Income:
Interest and fees on loans	$ 5,325	$ 4,898	$ 15,415	$ 14,265
Interest on investment securities	418	368	1,235	1,122
Other	50	36	114	92
Total interest income	5,793	5,302	16,764	15,479
Interest Expense:
Interest on deposits	134	126	383	390
Interest on note payable	51	34	106	98
Interest on subordinated debenture		191	219	568
Interest on junior subordinated deferrable interest debentures	77	79	227	228
Other	1	2	4	4
Total interest expense	263	432	939	1,288
Net interest income before provision for loan losses	5,530	4,870	15,825	14,191
Provision for Loan Losses	300	300	900	750
Net interest income after provision for loan losses	5,230	4,570	14,925	13,441
Non-Interest Income:
Service charges	1,013	1,064	2,958	3,122
Gain on sale of loans	617	304	1,591	1,081
(Loss) gain on sale of investments	(9)	128	21	128
Other	425	399	1,343	1,145
Total non-interest income	2,046	1,895	5,913	5,476
Non-Interest Expenses:
Salaries and employee benefits	2,584	2,287	7,728	7,049
Occupancy and equipment	702	699	2,082	2,235
Other	1,372	1,302	4,184	4,029
Total non-interest expenses	4,658	4,288	13,994	13,313
Income before provision for income taxes	2,618	2,177	6,844	5,604
Provision for Income Taxes	1,018	850	2,674	2,210
Net income	$ 1,600	$ 1,327	$ 4,170	$ 3,394
Basic earnings per share (in Dollars per share)	$ 0.33	$ 0.28	$ 0.87	$ 0.71
Diluted earnings per share (in Dollars per share)	$ 0.32	$ 0.27	$ 0.82	$ 0.68

Condensed Consolidated Stateme5

Condensed Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Net income	$ 1,600	$ 1,327	$ 4,170	$ 3,394
Other comprehensive income (loss):
Change in net unrealized gain (loss)	934	(334)	755	1,188
Reclassification adjustments for net losses (gains) included net income	9	(128)	(21)	(128)
Net unrealized holding gains (losses)	943	(462)	734	1,060
Related tax effect:
Change in net unrealized (gain) loss	(386)	138	(312)	(491)
Reclassification of net gains (losses) included in net income	(3)	53	9	53
Income tax effect	(389)	191	(303)	(438)
Other comprehensive income (loss)	554	(271)	431	622
Total comprehensive income	$ 2,154	$ 1,056	$ 4,601	$ 4,016

Condensed Consolidated Stateme6

Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014
Cash Flows from Operating Activities:
Net income	$ 4,170	$ 3,394
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	900	750
Change in deferred loan origination costs/fees, net	(317)	(545)
Depreciation and amortization	895	977
Stock-based compensation expense	56	57
Gain on sale of investments	(21)	(128)
Amortization of investment security premiums	373	369
Gain on sale of other vehicles	(68)	(34)
Gain on sale of OREO	(73)	(100)
Gain on sale of loans held for sale	(1,591)	(1,081)
Loans originated for sale	(20,816)	(15,371)
Proceeds from loan sales	23,735	16,574
Provision from change in OREO valuation	79	226
Earnings on bank-owned life insurance	(256)	(258)
(Increase) decrease in accrued interest receivable and other assets	(675)	62
Increase in accrued interest payable and other liabilities	145	26
Net cash provided by operating activities	6,536	4,918
Cash Flows from Investing Activities:
Proceeds from matured and called available-for-sale investment securities	2,500	16,044
Proceeds from principal repayments from available-for-sale government-sponsored mortgage-backed securities	8,996	7,163
Purchases of available-for-sale securities	(22,441)	(32,667)
Proceeds from sale of available-for-sale securities	12,260	16,325
Net increase in loans	(22,951)	(25,717)
Proceeds from sale of other vehicles	303	202
Proceeds from sale of OREO	1,648	2,981
Purchase of premises and equipment	(1,611)	(101)
Net cash used in investing activities	(21,296)	(15,770)
Cash Flows from Financing Activities:
Net increase in demand, interest bearing and savings deposits	72,058	28,319
Net decrease in time deposits	(1,195)	(5,544)
Net (decrease) increase in securities sold under agreements to repurchase	(4,271)	2,357
Borrowing (repayment) - note payable	4,000	(2,000)
Redemption of subordinated debenture	(7,500)
Net proceeds from exercise of stock options	58	22
Net cash provided by financing activities	63,150	23,154
Increase in cash and cash equivalents	48,390	12,302
Cash and Cash Equivalents at Beginning of Year	45,574	49,917
Cash and Cash Equivalents at End of Period	93,964	62,219
Cash paid during the period for:
Interest expense	871	1,189
Income taxes	3,295	1,326
Non-Cash Investing Activities:
Real estate and vehicles acquired through foreclosure	604	$ 351
Non-Cash Financing Activities:
Common stock retired in connection with the exercise of stock options	$ 32

Note 1 - General

Note 1 - General	9 Months Ended
	Sep. 30, 2015
Disclosure Text Block [Abstract]
Nature of Operations [Text Block]	1. GENERAL During 2002, Plumas Bancorp (the "Company") was incorporated as a bank holding company for the purpose of acquiring Plumas Bank (the "Bank") in a one bank holding company reorganization. This corporate structure gives the Company and the Bank greater flexibility in terms of operation, expansion and diversification. The Company formed Plumas Statutory Trust I ("Trust I") for the sole purpose of issuing trust preferred securities on September 26, 2002. The Company formed Plumas Statutory Trust II ("Trust II") for the sole purpose of issuing trust preferred securities on September 28, 2005. The Bank operates eleven branches in California, including branches in Alturas, Chester, Fall River Mills, Greenville, Kings Beach, Portola, Quincy, Redding, Susanville, Tahoe City, and Truckee. The Bank’s administrative headquarters is in Quincy, California. In addition, the Bank operates a loan administrative and lending office in Reno, Nevada, lending offices specializing in government-guaranteed lending in Auburn, California and Beaverton, Oregon and a commercial/agricultural lending office in Chico, California. The Bank's primary source of revenue is generated from providing loans to customers who are predominately small and middle market businesses and individuals residing in the surrounding areas.

Note 2 - Condensed Consolidated

Note 2 - Condensed Consolidated Financial Statements	9 Months Ended
	Sep. 30, 2015
Disclosure Text Block [Abstract]
Basis of Accounting [Text Block]	2. CONDENSED CONSOLIDATED FINANCIAL STATEMENTS The condensed consolidated financial statements include the accounts of the Company and the accounts of its wholly-owned subsidiary, Plumas Bank. Plumas Statutory Trust I and Plumas Statutory Trust II are not consolidated into the Company’s consolidated financial statements and, accordingly, are accounted for under the equity method. In the opinion of management, the unaudited condensed consolidated financial statements contain all adjustments (consisting of only normal recurring adjustments) necessary to present fairly the Company’s financial position at September 30, 2015 and the results of its operations and its cash flows for the three-month and nine-month periods ended September 30, 2015 and 2014. Our condensed consolidated balance sheet at December 31, 2014 is derived from audited financial statements. Certain reclassifications have been made to prior period’s balances to conform to classifications used in 2015. The unaudited condensed consolidated financial statements of the Company have been prepared pursuant to the rules and regulations of the Securities and Exchange Commission (“SEC”) for interim reporting on Form 10-Q. Accordingly, certain disclosures normally presented in the notes to the annual consolidated financial statements prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”) have been omitted. The Company believes that the disclosures are adequate to make the information not misleading. Management has determined that because all of the commercial banking products and services offered by the Company are available in each branch of the Bank, all branches are located within the same economic environment and management does not allocate resources based on the performance of different lending or transaction activities, it is appropriate to aggregate the Bank branches and report them as a single operating segment. No single customer accounts for more than 10% of the revenues of the Company or the Bank.

Note 3 - Investment Securities

Note 3 - Investment Securities Available for Sale	9 Months Ended
	Sep. 30, 2015
Investments, Debt and Equity Securities [Abstract]
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	3. INVESTMENT SECURITIES AVAILABLE FOR SALE The amortized cost and estimated fair value of investment securities at September 30, 2015 and December 31, 2014 consisted of the following, in thousands: Available-for-Sale September 30, 2015 Gross Gross Estimated Amortized Unrealized Unrealized Fair Cost Gains Losses Value Debt securities: U.S. Government-sponsored agencies $ 998 $ 2 $ - $ 1,000 U.S. Government-sponsored agencies collateralized by mortgage obligations- residential 71,034 469 (207 ) 71,296 Obligations of states and political subdivisions 16,726 374 (5 ) 17,095 $ 88,758 $ 845 $ (212 ) $ 89,391 Net unrealized gain on available-for-sale investment securities totaling $633,000 were recorded, net of $262,000 in tax expense, as accumulated other comprehensive income within shareholders' equity at September 30, 2015. During the nine months ended September 30, 2015 the Company sold fifteen available-for-sale investment securities for total proceeds of $12,260,000 recording a $21,000 net gain on sale. The Company realized a gain on sale from eight of these securities totaling $62,000 and a loss on sale on seven securities of $41,000. During the three months ended September 30, 2015 the Company sold seven available-for-sale investment securities for total proceeds of $5,592,000 recording a $9,000 net loss on sale. The Company realized a gain on sale from three of these securities totaling $25,000 and a loss on sale on four securities of $34,000. Available-for-Sale December 31, 2014 Gross Gross Estimated Amortized Unrealized Unrealized Fair Cost Gains Losses Value Debt securities: U.S. Government-sponsored agencies $ 7,003 $ 19 $ (20 ) $ 7,002 U.S. Government-sponsored agencies collateralized by mortgage obligations- residential 70,610 192 (522 ) 70,280 Obligations of states and political subdivisions 12,307 234 (9 ) 12,532 Corporate debt 502 4 - 506 $ 90,422 $ 449 $ (551 ) $ 90,320 Net unrealized loss on available-for-sale investment securities totaling $102,000 were recorded, net of $42,000 in tax benefits, as accumulated other comprehensive income within shareholders' equity at December 31, 2014. During the nine and three months ended September 30, 2014 the Company sold fourteen available-for-sale securities for $16,325,000. The Company realized a gain on sale from thirteen of these securities totaling $134,000 and a loss on sale on one security of $6,000. There were no transfers of available-for-sale investment securities during the nine months ended September 30, 2015 and twelve months ended December 31, 2014. There were no securities classified as held-to-maturity at September 30, 2015 or December 31, 2014. Investment securities with unrealized losses at September 30, 2015 and December 31, 2014 are summarized and classified according to the duration of the loss period as follows, in thousands: September 30, 2015 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses Debt securities: U.S. Government agencies collateralized by mortgage obligations-residential $ 11,649 $ 26 $ 12,507 $ 181 $ 24,156 $ 207 Obligations of states and political subdivisions 1,495 4 160 1 1,655 5 $ 13,144 $ 30 $ 12,667 $ 182 $ 25,811 $ 212 December 31, 2014 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses Debt securities: U.S. Government- sponsored agencies $ 994 $ 6 $ 2,985 $ 14 $ 3,979 $ 20 U.S. Government agencies collateralized by mortgage obligations-residential 4,504 17 28,643 505 33,147 522 Obligations of states and political subdivisions 2,014 9 - - 2,014 9 $ 7,512 $ 32 $ 31,628 $ 519 $ 39,140 $ 551 At September 30, 2015, the Company held 129 securities of which 27 were in a loss position. Of the securities in a loss position, 13 were in a loss position for less than twelve months. Of the 27 securities 22 are U.S. Government-sponsored agencies collateralized by residential mortgage obligations and five were obligations of states and political subdivisions. The unrealized losses relate principally to market rate conditions. All of the securities continue to pay as scheduled. When analyzing an issuer’s financial condition, management considers the length of time and extent to which the market value has been less than cost; the historical and implied volatility of the security; the financial condition of the issuer of the security; and the Company’s intent and ability to hold the security to recovery. As of September 30, 2015, management does not have the intent to sell these securities nor does it believe it is more likely than not that it will be required to sell these securities before the recovery of its amortized cost basis. Based on the Company’s evaluation of the above and other relevant factors, the Company does not believe the securities that are in an unrealized loss position as of September 30, 2015 are other than temporarily impaired. The amortized cost and estimated fair value of investment securities at September 30, 2015 by contractual maturity are shown below, in thousands. Amortized Cost Estimated Fair Value After one year through five years $ 998 $ 1,000 After five years through ten years 13,108 13,396 After ten years 3,618 3,699 Investment securities not due at a single maturity date: Government-sponsored mortgage-backed securities 71,034 71,296 $ 88,758 $ 89,391 Expected maturities will differ from contractual maturities because the issuers of the securities may have the right to call or prepay obligations with or without call or prepayment penalties. Investment securities with amortized costs totaling $55,457,000 and $57,793,000 and estimated fair values totaling $55,724,000 and $57,636,000 at September 30, 2015 and December 31, 2014, respectively, were pledged to secure deposits and repurchase agreements.

Note 4 - Loans and the Allowanc

Note 4 - Loans and the Allowance for Loan Losses	9 Months Ended
	Sep. 30, 2015
Receivables [Abstract]
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	4. LOANS AND THE ALLOWANCE FOR LOAN LOSSES Outstanding loans are summarized below, in thousands: September 30, December 31, 2015 2014 Commercial $ 32,898 $ 31,465 Agricultural 39,819 35,355 Real estate - residential 26,201 29,284 Real estate – commercial 182,728 163,306 Real estate – construction and land development 20,479 24,572 Equity lines of credit 37,872 38,972 Auto 48,012 44,618 Other 2,777 2,818 390,786 370,390 Deferred loan costs, net 1,969 1,848 Allowance for loan losses (5,917 ) (5,451 ) $ 386,838 $ 366,787 Changes in the allowance for loan losses, in thousands, were as follows: September 30, December 31, 2015 2014 Balance, beginning of year $ 5,451 $ 5,517 Provision charged to operations 900 1,100 Losses charged to allowance (672 ) (1,913 ) Recoveries 238 747 Balance, end of year $ 5,917 $ 5,451 The recorded investment in impaired loans totaled $6,950,000 and $8,582,000 at September 30, 2015 and December 31, 2014, respectively. The Company had specific allowances for loan losses of $705,000 on impaired loans of $2,375,000 at September 30, 2015 as compared to specific allowances for loan losses of $564,000 on impaired loans of $2,401,000 at December 31, 2014. The balance of impaired loans in which no specific reserves were required totaled $4,575,000 and $6,181,000 at September 30, 2015 and December 31, 2014, respectively. The average recorded investment in impaired loans for the nine months ended September 30, 2015 and September 30, 2014 was $6,892,000 and $7,949,000, respectively. The Company recognized $89,000 and $94,000 in interest income on impaired loans during the nine months ended September 30, 2015 and 2014, respectively. No interest was recognized on impaired loans accounted for on a cash basis during the nine months ended September 30, 2015 and 2014, respectively. Included in impaired loans are troubled debt restructurings. A troubled debt restructuring is a formal restructure of a loan where the Company for economic or legal reasons related to the borrower’s financial difficulties, grants a concession to the borrower. The concessions may be granted in various forms to include one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan. In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s internal underwriting policy. The carrying value of troubled debt restructurings at September 30, 2015 and December 31, 2014 was $4,720,000 and $5,738,000, respectively. The Company has allocated $288,000 and $319,000 of specific reserves on loans to customers whose loan terms have been modified in troubled debt restructurings as of September 30, 2015 and December 31, 2014, respectively. The Company has not committed to lend additional amounts on loans classified as troubled debt restructurings at September 30, 2015 and December 31, 2014. There were no troubled debt restructurings that occurred during the nine months ended September 30, 2015. During the three and nine month periods ended September 30, 2014, one loan was modified as a troubled debt restructuring. The following table presents information related to the one loan modified as a troubled debt restructuring during the three and nine months ending September 30, 2014, dollars in thousands: Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Recorded Investment Troubled Debt Restructurings: Auto 1 $ 10 $ 10 Total 1 $ 10 $ 10 The troubled debt restructuring described above resulted in no allowance for loan losses or charge-offs during the nine months ending September 30, 2014. There were no troubled debt restructurings for which there was a payment default within twelve months following the modification during the nine months ended September 30, 2015 and 2014, respectively. At September 30, 2015 and December 31, 2014, nonaccrual loans totaled $5,024,000 and $6,625,000, respectively. Interest foregone on nonaccrual loans totaled $270,000 and $286,000 for the nine months ended September 30, 2015 and 2014, respectively. Interest foregone on nonaccrual loans totaled $66,000 and $82,000 for the three months ended September 30, 2015 and 2014, respectively. No loans were past due 90 days or more and on accrual status at September 30, 2015 and December 31, 2014. The Company assigns a risk rating to all loans, with the exception of automobile and other loans and periodically, but not less than annually, performs detailed reviews of all such loans over $100,000 to identify credit risks and to assess the overall collectability of the portfolio. These risk ratings are also subject to examination by independent specialists engaged by the Company and the Company’s regulators. During these internal reviews, management monitors and analyzes the financial condition of borrowers and guarantors, trends in the industries in which borrowers operate and the fair values of collateral securing these loans. These credit quality indicators are used to assign a risk rating to each individual loan. The risk ratings can be grouped into five major categories, defined as follows: Pass Watch Substandard Doubtful Loss Other real estate owned totaled $2,265,000 and $3,590,000 at September 30, 2015 and December 31, 2014, respectively. Of these amount $117,000 at September 30, 2015 and $146,000 at December 31, 2014 represent foreclosed residential real estate property. There were no consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process at September 30, 2015 or December 31, 2014. The following table shows the loan portfolio allocated by management's internal risk ratings at the dates indicated, in thousands: September 30, 2015 Commercial Credit Exposure Credit Risk Profile by Internally Assigned Grade Commercial Agricultural Real Estate- Residential Real Estate- Commercial Real Estate- Construction Equity LOC Total Grade: Pass $ 31,618 $ 39,070 $ 26,041 $ 176,528 $ 19,567 $ 37,359 $ 330,183 Watch 695 373 82 2,215 - 146 3,511 Substandard 585 376 78 3,985 912 367 6,303 Doubtful - - - - - - - Total $ 32,898 $ 39,819 $ 26,201 $ 182,728 $ 20,479 $ 37,872 $ 339,997 December 31, 2014 Commercial Credit Exposure Credit Risk Profile by Internally Assigned Grade Commercial Agricultural Real Estate- Residential Real Estate- Commercial Real Estate- Construction Equity LOC Total Grade: Pass $ 30,176 $ 34,609 $ 28,048 $ 156,329 $ 22,924 $ 38,373 $ 310,459 Watch 789 355 233 2,297 537 146 4,357 Substandard 500 391 1,003 4,680 1,111 453 8,138 Doubtful - - - - - - - Total $ 31,465 $ 35,355 $ 29,284 $ 163,306 $ 24,572 $ 38,972 $ 322,954 Consumer Credit Exposure Consumer Credit Exposure Credit Risk Profile Based on Payment Activity Credit Risk Profile Based on Payment Activity September 30, 2015 December 31, 2014 Auto Other Total Auto Other Total Grade: Performing $ 47,924 $ 2,774 $ 50,698 $ 44,523 $ 2,805 $ 47,328 Non-performing 88 3 91 95 13 108 Total $ 48,012 $ 2,777 $ 50,789 $ 44,618 $ 2,818 $ 47,436 The following tables show the allocation of the allowance for loan losses at the dates indicated, in thousands: Nine months ended September 30, 2015: Commercial Agricultural Real Estate- Residential Real Estate- Commercial Real Estate- Construction Equity LOC Auto Other Total Allowance for Loan Losses Beginning balance $ 574 $ 225 $ 379 $ 1,701 $ 1,227 $ 691 $ 581 $ 73 $ 5,451 Charge-offs (88 ) (3 ) (132 ) - (54 ) (59 ) (309 ) (27 ) (672 ) Recoveries 102 6 6 - - 4 84 36 238 Provision (30 ) 33 80 758 (231 ) (97 ) 397 (10 ) 900 Ending balance $ 558 $ 261 $ 333 $ 2,459 $ 942 $ 539 $ 753 $ 72 $ 5,917 Three months ended September 30, 2015: Allowance for Loan Losses Beginning balance $ 628 $ 242 $ 399 $ 2,140 $ 1,031 $ 534 $ 717 $ 89 $ 5,780 Charge-offs (34 ) - (79 ) - 1 - (105 ) (5 ) (222 ) Recoveries 12 6 2 - - 1 29 9 59 Provision (48 ) 13 11 319 (90 ) 4 112 (21 ) 300 Ending balance $ 558 $ 261 $ 333 $ 2,459 $ 942 $ 539 $ 753 $ 72 $ 5,917 Nine months ended September 30, 2014: Allowance for Loan Losses Beginning balance $ 785 $ 164 $ 638 $ 1,774 $ 944 $ 613 $ 449 $ 150 $ 5,517 Charge-offs (191 ) - (145 ) (887 ) - (142 ) (253 ) (84 ) (1,702 ) Recoveries 50 - 29 5 491 15 33 63 686 Provision (33 ) 54 (114 ) 636 (238 ) 137 311 (3 ) 750 Ending balance $ 611 $ 218 $ 408 $ 1,528 $ 1,197 $ 623 $ 540 $ 126 $ 5,251 Three months ended September 30, 2014: Allowance for Loan Losses Beginning balance $ 703 $ 211 $ 423 $ 1,686 $ 1,140 $ 603 $ 466 $ 126 $ 5,358 Charge-offs (98 ) - - (208 ) - - (148 ) (27 ) (481 ) Recoveries 23 - 2 4 - 2 12 31 74 Provision (17 ) 7 (17 ) 46 57 18 210 (4 ) 300 Ending balance $ 611 $ 218 $ 408 $ 1,528 $ 1,197 $ 623 $ 540 $ 126 $ 5,251 September 30, 2015: Allowance for Loan Losses Ending balance: individually evaluated for impairment $ 13 $ - $ 56 $ 372 $ 232 $ 32 $ - $ - $ 705 Ending balance: collectively evaluated for impairment $ 545 $ 261 $ 277 $ 2,087 $ 710 $ 507 $ 753 $ 72 $ 5,212 Loans Ending balance $ 32,898 $ 39,819 $ 26,201 $ 182,728 $ 20,479 $ 37,872 $ 48,012 $ 2,777 $ 390,786 Ending balance: individually evaluated for impairment $ 100 $ 586 $ 1,601 $ 3,190 $ 1,049 $ 334 $ 87 $ 3 $ 6,950 Ending balance: collectively evaluated for impairment $ 32,798 $ 39,233 $ 24,600 $ 179,538 $ 19,430 $ 37,538 $ 47,925 $ 2,774 $ 383,836 December 31, 2014 Commercial Agricultural Real Estate- Residential Real Estate- Commercial Real Estate- Construction Equity LOC Auto Other Total Allowance for Loan Losses Ending balance: individually evaluated for impairment $ - $ - $ 51 $ 65 $ 274 $ 174 $ - $ - $ 564 Ending balance: collectively evaluated for impairment $ 574 $ 225 $ 328 $ 1,636 $ 953 $ 517 $ 581 $ 73 $ 4,887 Loans Ending balance $ 31,465 $ 35,355 $ 29,284 $ 163,306 $ 24,572 $ 38,972 $ 44,618 $ 2,818 $ 370,390 Ending balance: individually evaluated for impairment $ 55 $ 605 $ 2,518 $ 3,643 $ 1,252 $ 415 $ 93 $ 1 $ 8,582 Ending balance: collectively evaluated for impairment $ 31,410 $ 34,750 $ 26,766 $ 159,663 $ 23,320 $ 38,557 $ 44,525 $ 2,817 $ 361,808 The following table shows an aging analysis of the loan portfolio by the time past due, in thousands: September 30, 2015 30-89 Days 90 Days and Total Past Due Still Accruing Nonaccrual Past Due Current Total Commercial $ 46 $ - $ 82 $ 128 $ 32,770 $ 32,898 Agricultural 4 - 324 328 39,491 39,819 Real estate – residential 19 - 92 111 26,090 26,201 Real estate – commercial 177 - 3,189 3,366 179,362 182,728 Real estate– construction and land - - 912 912 19,567 20,479 Equity lines of credit 242 - 334 576 37,296 37,872 Auto 525 - 88 613 47,399 48,012 Other 17 - 3 20 2,757 2,777 Total $ 1,030 $ - $ 5,024 $ 6,054 $ 384,732 $ 390,786 December 31, 2014 30-89 Days 90 Days and Total Past Due Still Accruing Nonaccrual Past Due Current Total Commercial $ 131 $ - $ 38 $ 169 $ 31,296 $ 31,465 Agricultural - - 339 339 35,016 35,355 Real estate – residential 292 - 985 1,277 28,007 29,284 Real estate – commercial - - 3,643 3,643 159,663 163,306 Real estate – construction and land 345 - 1,111 1,456 23,116 24,572 Equity Lines of credit 194 - 415 609 38,363 38,972 Auto 601 - 93 694 43,924 44,618 Other 43 - 1 44 2,774 2,818 Total $ 1,606 $ - $ 6,625 $ 8,231 $ 362,159 $ 370,390 The following tables show information related to impaired loans at the dates indicated, in thousands: Unpaid Average Interest Recorded Principal Related Recorded Income As of September 30, 2015: Investment Balance Allowance Investment Recognized With no related allowance recorded: Commercial $ 67 $ 67 $ 45 $ - Agricultural 586 586 595 15 Real estate – residential 1,355 1,366 1,340 59 Real estate – commercial 2,009 2,655 2,073 - Real estate – construction and land 249 249 244 - Equity lines of credit 219 270 177 - Auto 87 87 29 - Other 3 3 - - With an allowance recorded: Commercial $ 33 $ 33 $ 13 $ 21 $ 1 Agricultural - - - - - Real estate – residential 246 246 56 217 8 Real estate – commercial 1,181 1,181 372 1,217 - Real estate – construction and land 800 800 232 819 6 Equity lines of credit 115 115 32 115 - Auto - - - - - Other - - - - - Total: Commercial $ 100 $ 100 $ 13 $ 66 $ 1 Agricultural 586 586 - 595 15 Real estate – residential 1,601 1,612 56 1,557 67 Real estate – commercial 3,190 3,836 372 3,290 - Real estate – construction and land 1,049 1,049 232 1,063 6 Equity lines of credit 334 385 32 292 - Auto 87 87 - 29 - Other 3 3 - - - Total $ 6,950 $ 7,658 $ 705 $ 6,892 $ 89 Unpaid Average Interest Recorded Principal Related Recorded Income As of December 31, 2014: Investment Balance Allowance Investment Recognized With no related allowance recorded: Commercial $ 55 $ 55 $ 61 $ 1 Agricultural 605 605 605 51 Real estate – residential 1,422 1,433 1,443 80 Real estate – commercial 3,389 4,036 2,460 - Real estate – construction and land 495 495 512 9 Equity lines of credit 121 121 130 - Auto 93 93 81 - Other 1 1 - - With an allowance recorded: Commercial $ - $ - $ - $ - $ - Agricultural - - - - Real estate – residential 1,096 1,102 51 1,112 11 Real estate – commercial 254 254 65 589 - Real estate – construction and land 757 757 274 778 - Equity lines of credit 294 294 174 299 - Auto - - - - - Other - - - - - Total: Commercial $ 55 $ 55 $ - $ 61 $ 1 Agricultural 605 605 - 605 51 Real estate – residential 2,518 2,535 51 2,555 91 Real estate – commercial 3,643 4,290 65 3,049 - Real estate – construction and land 1,252 1,252 274 1,290 9 Equity lines of credit 415 415 174 429 - Auto 93 93 - 81 - Other 1 1 - - - Total $ 8,582 $ 9,246 $ 564 $ 8,070 $ 152

Note 5 - Commitments and Contin

Note 5 - Commitments and Contingencies	9 Months Ended
	Sep. 30, 2015
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingencies Disclosure [Text Block]	5. COMMITMENTS AND CONTINGENCIES The Company is party to claims and legal proceedings arising in the ordinary course of business. In the opinion of the Company’s management, the amount of ultimate liability with respect to such proceedings will not have a material adverse effect on the financial condition or result of operations of the Company taken as a whole. In the normal course of business, there are various outstanding commitments to extend credit, which are not reflected in the financial statements, including loan commitments of $81,733,000 and $89,735,000 and stand-by letters of credit of $15,000 and $0 at September 30, 2015 and December 31, 2014, respectively. Of the loan commitments outstanding at September 30, 2015, $7,082,000 are real estate construction loan commitments that are expected to fund within the next twelve months. The remaining commitments primarily relate to revolving lines of credit or other commercial loans, and many of these are expected to expire without being drawn upon. Therefore, the total commitments do not necessarily represent future cash requirements. Each loan commitment and the amount and type of collateral obtained, if any, are evaluated on an individual basis. Collateral held varies, but may include real property, bank deposits, debt or equity securities or business assets. Stand-by letters of credit are conditional commitments written to guarantee the performance of a customer to a third party. These guarantees are primarily related to the purchases of inventory by commercial customers and are typically short-term in nature. Credit risk is similar to that involved in extending loan commitments to customers and accordingly, evaluation and collateral requirements similar to those for loan commitments are used. The deferred liability related to the Company’s stand-by letters of credit was not significant at September 30, 2015 or December 31, 2014.

Note 6 - Earnings Per Share

Note 6 - Earnings Per Share	9 Months Ended
	Sep. 30, 2015
Earnings Per Share [Abstract]
Earnings Per Share [Text Block]	6. EARNINGS PER SHARE Basic earnings per share is computed by dividing income available to common shareholders by the weighted average number of common shares outstanding for the period. Diluted earnings per share reflects the potential dilution that could occur if securities or other contracts to issue common stock, such as stock options, result in the issuance of common stock which shares in the earnings of the Company. The treasury stock method has been applied to determine the dilutive effect of stock options in computing diluted earnings per share. For the Three Months For the Nine Months Ended September 30, Ended September 30, (In thousands, except per share data) 2015 2014 2015 2014 Net Income: Net income $ 1,600 $ 1,327 $ 4,170 $ 3,394 Earnings Per Share: Basic earnings per share $ 0.33 $ 0.28 $ 0.87 $ 0.71 Diluted earnings per share $ 0.32 $ 0.27 $ 0.82 $ 0.68 Weighted Average Number of Shares Outstanding: Basic shares 4,824 4,795 4,812 4,792 Diluted shares 5,067 4,995 5,061 4,970 Shares of common stock issuable under stock options and warrants for which the exercise prices were greater than the average market prices were not included in the computation of diluted earnings per share due to their antidilutive effect. Stock options and warrants not included in the computation of diluted earnings per share, due to shares not being in-the-money and having an antidilutive effect, were approximately 53,000 and 238,000 for the three month periods ended September 30, 2015 and 2014, respectively. Stock options and warrants not included in the computation of diluted earnings per share, due to shares not being in-the-money and having an antidilutive effect, were approximately 53,000 and 267,000 for the nine month periods ended September 30, 2015 and 2014, respectively.

Note 7 - Stock-Based Compensati

Note 7 - Stock-Based Compensation	9 Months Ended
	Sep. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	7. STOCK-BASED COMPENSATION Stock Options In 2001, the Company established a Stock Option Plan for which 199,693 shares of common stock remain reserved for issuance to employees and directors and no shares are available for future grants as of September 30, 2015. As of September 30, 2015, all remaining shares in this plan have vested and no compensation cost remains unrecognized. The total fair value of options vested was $49,000 for the nine months ended September 30, 2015 and 2014. The total intrinsic value of options at time of exercise was $202,000 and $30,000 for the nine months ended September 30, 2015 and 2014, respectively. Cash received from option exercises for the nine months ended September 30, 2015 and 2014 was $63,000 and $22,000, respectively. The tax benefit realized for the tax deductions from option exercise totaled $0 and $8,000, respectively, for the nine months ended September 30, 2015 and 2014. A summary of the activity within the 2001 Stock Option Plan follows: Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Term (Years) Intrinsic Value Options outstanding at January 1, 2015 306,393 $ 7.95 Options cancelled (74,600 ) 16.26 Options exercised (32,100 ) 2.95 Options outstanding at September 30, 2015 199,693 $ 5.65 2.7 $ 871,000 Options exercisable at September 30, 2015 199,693 $ 5.65 2.7 $ 871,000 In May 2013, the Company established the 2013 Stock Option Plan for which 500,000 shares of common stock are reserved and 389,600 shares are available for future grants as of September 30, 2015. The Plan requires that the option price may not be less than the fair market value of the stock at the date the option is granted, and that the stock must be paid in full at the time the option is exercised. Payment in full for the option price must be made in cash, with Company common stock previously acquired by the optionee and held by the optionee for a period of at least six months, in options of the Optionee that are fully vested and exercisable or in any combination of the foregoing. The options expire on dates determined by the Board of Directors, but not later than ten years from the date of grant. There were no options granted during the nine months ended September 30, 2015. During the nine months ended September 30, 2014, a total of 110,400 options were granted with a weighted average exercise price of $6.32. The fair value of each option was estimated on the date of grant using the following assumptions. Nine Months Ended September 30, 2014 Expected life of stock options (in years) 5.2 Interest rate—stock options 1.64% Volatility—stock options 63.8% Dividend yields 2.0% Weighted-average fair value of options granted during the period $3.02 As of September 30, 2015, there was $150,000 of total unrecognized compensation cost related to non-vested, share-based compensation arrangements granted under the 2013 Plan. That cost is expected to be recognized over a weighted average period of 2.6 years. A summary of the activity within the 2013 Plan follows: Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Term in Years Intrinsic Value Options outstanding at January 1, 2015 110,400 $ 6.32 Options outstanding at September 30, 2015 110,400 $ 6.32 6.6 $ 284,000 Options exercisable at September 30, 2015 27,600 $ 6.32 6.6 $ 71,000 Expected to vest after September 30, 2015 71,746 $ 6.32 6.6 $ 184,000 Compensation cost related to stock options recognized in operating results under the two stock option plans was $56,000 and $57,000 for the nine months ended September 30, 2015 and 2014, respectively. The associated income tax benefit recognized was $5,000 for the nine months ended September 30, 2015 and $3,000 for the nine months ended September 30, 2014. Compensation cost related to stock options recognized in operating results under the two stock option plans was $15,000 and $24,000 for the three months ended September 30, 2015 and 2014, respectively. The associated income tax benefit recognized was $1,000 for the three months ended September 30, 2015 and 2014.

Note 8 - Income Taxes

Note 8 - Income Taxes	9 Months Ended
	Sep. 30, 2015
Income Tax Disclosure [Abstract]
Income Tax Disclosure [Text Block]	8. INCOME TAXES The Company files its income taxes on a consolidated basis with its subsidiary. Income tax expense is the total of current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are recognized for the tax consequences of temporary differences between the reported amount of assets and liabilities and their tax bases. Deferred tax assets and liabilities are adjusted for the effects of changes in tax laws and rates on the date of enactment. A valuation allowance is recognized if, based on the weight of available evidence management believes it is more likely than not that some portion or all of the deferred tax assets will not be realized. On the consolidated balance sheet, net deferred tax assets are included in accrued interest receivable and other assets. When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50 percent likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the accompanying balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination. Interest expense and penalties associated with unrecognized tax benefits, if any, are classified as income tax expense in the consolidated income statement. There have been no significant changes to unrecognized tax benefits or accrued interest and penalties for the nine months ended September 30, 2015.

Note 9 - Fair Value Measurement

Note 9 - Fair Value Measurement	9 Months Ended
	Sep. 30, 2015
Fair Value Disclosures [Abstract]
Fair Value Disclosures [Text Block]	9. FAIR VALUE MEASUREMENT The Company measures fair value under the fair value hierarchy described below. Level 1: Quoted prices for identical instruments traded in active exchange markets. Level 2: Quoted prices (unadjusted) for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active and model-based valuation techniques for which all significant assumptions are observable or can be corroborated by observable market data. Level 3: Model based techniques that use one significant assumption not observable in the market. These unobservable assumptions reflect the Company’s estimates of assumptions that market participants would use on pricing the asset or liability. Valuation techniques include management judgment and estimation which may be significant. In certain cases, the inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level in the fair value hierarchy within which the fair value measurement in its entirety falls has been determined based on the lowest level input that is significant to the fair value measurement in its entirety. The Company’s assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment, and considers factors specific to the asset or liability. Management monitors the availability of observable market data to assess the appropriate classification of financial instruments within the fair value hierarchy. Changes in economic conditions or model-based valuation techniques may require the transfer of financial instruments from one fair value level to another. In such instances, the transfer is reported at the beginning of the reporting period. Management evaluates the significance of transfers between levels based upon the nature of the financial instrument and size of the transfer relative to total assets, total liabilities or total earnings. Fair Value of Financial Instruments The carrying amounts and estimated fair values of financial instruments, at September 30, 2015 and December 31, 2014 are as follows, in thousands: Fair Value Measurements at September 30, 2015 Using: Financial assets: Carrying Value Level 1 Level 2 Level 3 Total Fair Value Cash and cash equivalents $ 93,964 $ 93,964 $ 93,964 Investment securities 89,391 $ 89,391 89,391 Loans, net 386,838 $ 386,046 386,046 FHLB stock 2,380 N/A Accrued interest receivable 1,770 21 233 1,516 1,770 Financial liabilities: Deposits 538,754 483,607 55,172 538,779 Repurchase agreements 5,355 5,355 5,355 Note payable 5,000 5,000 5,000 Junior subordinated deferrable interest debentures 10,310 6,218 6,218 Accrued interest payable 94 7 39 48 94 Fair Value Measurements at December 31, 2014 Using: Financial assets: Carrying Value Level 1 Level 2 Level 3 Total Fair Value Cash and cash equivalents $ 45,574 $ 45,574 $ 45,574 Investment securities 90,320 $ 90,320 90,320 Loans, net 366,787 $ 368,442 368,442 FHLB stock 2,380 N/A Accrued interest receivable 1,727 281 1,446 1,727 Financial liabilities: Deposits 467,891 411,549 56,364 467,913 Repurchase agreements 9,626 9,626 9,626 Note payable 1,000 1,000 1,000 Subordinated debenture 7,454 7,313 7,313 Junior subordinated deferrable interest debentures 10,310 6,636 6,636 Accrued interest payable 72 7 47 18 72 These estimates do not reflect any premium or discount that could result from offering the Company's entire holdings of a particular financial instrument for sale at one time, nor do they attempt to estimate the value of anticipated future business related to the instruments. In addition, the tax ramifications related to the realization of unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of these estimates. The following methods and assumptions were used by management to estimate the fair value of its financial instruments: Cash and cash equivalents: Investment securities: Loans: FHLB stock: Deposits: Repurchase agreements: Note payable: Subordinated debentures and Junior subordinated deferrable interest debentures: Accrued interest and payable: Commitments to extend credit and letters of credit: Because no market exists for a significant portion of the Company's financial instruments, fair value estimates are based on judgments regarding current economic conditions, risk characteristics of various financial instruments and other factors. Those estimates that are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision are included in Level 3. Changes in assumptions could significantly affect the fair values presented. The following tables present information about the Company’s assets and liabilities measured at fair value on a recurring and non-recurring basis as of September 30, 2015 and December 31, 2014, and indicates the fair value hierarchy of the valuation techniques utilized by the Company to determine such fair value: Assets and liabilities measured at fair value on a recurring basis at September 30, 2015 are summarized below, in thousands: Fair Value Measurements at September 30, 2015 Using Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government-sponsored agencies $ 1,000 $ - $ 1,000 $ - U.S. Government-sponsored agencies collateralized by mortgage obligations- residential 71,296 71,296 Obligations of states and political subdivisions 17,095 17,095 $ 89,391 $ - $ 89,391 $ - Assets and liabilities measured at fair value on a recurring basis at December 31, 2014 are summarized below, in thousands: Fair Value Measurements at December 31, 2014 Using Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Othe r Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government-sponsored agencies $ 7,002 $ - $ 7,002 $ - U.S. Government-sponsored agencies collateralized by mortgage obligations- residential 70,280 70,280 Obligations of states and political subdivisions 12,532 12,532 Corporate debt 506 506 $ 90,320 $ - $ 90,320 $ - The fair value of securities available-for-sale equals quoted market price, if available. If quoted market prices are not available, fair value is determined using quoted market prices for similar securities or matrix pricing. There were no changes in the valuation techniques used during 2015 or 2014. Transfers between hierarchy measurement levels are recognized by the Company as of the beginning of the reporting period. Changes in fair market value are recorded in other comprehensive income. Assets and liabilities measured at fair value on a non-recurring basis at September 30, 2015 are summarized below, in thousands: Fair Value Measurements at September 30, 2015 Using Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Nine Months Ended September 30, 2015 Total Gains (Losses) Assets: Impaired loans: Commercial $ 4 $ - $ - $ 4 $ (13 ) Agricultural - - - Real estate –residential - - - Real estate – commercial 1,225 1,225 - Real estate – construction and land development 47 47 (16 ) Equity lines of credit 83 83 4 Auto - - - Other - - - Total impaired loans 1,359 - - 1,359 (25 ) Other real estate: Commercial - - - - (39 ) Real estate – residential 117 117 - Real estate – commercial 237 237 (127 ) Real estate – construction and land development 1,768 1,768 114 Equity lines of credit 143 143 (27 ) Total other real estate 2,265 - - 2,265 (79 ) $ 3,624 $ - $ - $ 3,624 $ (104 ) Assets and liabilities measured at fair value on a non-recurring basis at December 31, 2014 are summarized below, in thousands: Fair Value Measurements at December 31, 2014 Using Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Nine Months Ended September 30, 2014 Total Gains (Losses) Assets: Impaired loans: Commercial $ - $ - $ - $ - $ - Agricultural - - - Real estate – residential 838 838 (63 ) Real estate – commercial 1,479 1,479 (26 ) Real estate – construction and land development 27 27 (130 ) Equity lines of credit 80 80 (81 ) Auto - - - Other - - - Total impaired loans 2,424 - - 2,424 (300 ) Other real estate: Real estate – residential 146 146 (17 ) Real estate – commercial 1,052 1,052 (33 ) Real estate – construction and land development 1,984 1,984 (126 ) Equity lines of credit 408 408 (51 ) Total other real estate 3,590 - - 3,590 (227 ) $ 6,014 $ - $ - $ 6,014 $ (527 ) The Company has no liabilities which are reported at fair value. The following methods were used to estimate fair value. Impaired Loans: Other Real Estate: Appraisals for both collateral-dependent impaired loans and other real estate are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company. Once received, a member of the Loan Administration Department reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with independent data sources such as recent market data or industry-wide statistics. On a quarterly basis, the Company compares the actual selling price of similar collateral that has been liquidated to the most recent appraised value for unsold properties to determine what additional adjustment, if any, should be made to the appraisal value to arrive at fair value. Adjustments are routinely made in the appraisal process by the independent appraisers to adjust for differences between the comparable sales and income data available. The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at September 30, 2015 and December 31, 2014 (dollars in thousands): Range Range Description Fair Value 9/30/15 Fair Value 12/31/2014 Valuation Technique Significant Unobservable Input (Weighted Average) 9/30/2015 (Weighted Average) 12/31/2014 Impaired Loans: Commercial $ 4 $ - Sales Comparison Adjustment for differences between comparable sales 0% - 28% (12% ) N/A Real estate – residential $ - $ 838 Sales Comparison Adjustment for differences between comparable sales N/A 8% (8% ) Real estate – commercial $ 1,225 $ 1,479 Sales Comparison Adjustment for differences between comparable sales 9% - 12% (10% ) 9% - 12% (10% ) Construction and land $ 47 $ 27 Sales Comparison Adjustment for differences between comparable sales 8% (8% ) 8% (8% ) Equity lines of credit $ 83 $ 80 Sales Comparison Adjustment for differences between comparable sales 8% (8% ) 8% (8% ) Other Real Estate: Real estate – residential $ 117 $ 146 Sales Comparison Adjustment for differences between comparable sales 10% (10% ) 10% (10% ) Real estate – commercial $ 237 $ 1,052 Sales Comparison Adjustment for differences between comparable sales 10% (10% ) 10% (10% ) Construction and land $ 1,768 $ 1,984 Sales Comparison Adjustment for differences between comparable sales 10% (10% ) 10% (10% ) Equity lines of credit $ 143 $ 408 Sales Comparison Adjustment for differences between comparable sales 10% (10% ) 10% (10% )

Note 10 - Adoption of New Accou

Note 10 - Adoption of New Accounting Standards	9 Months Ended
	Sep. 30, 2015
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]
New Accounting Pronouncements and Changes in Accounting Principles [Text Block]	10. Adoption of New Accounting Standards Recently Adopted Accounting Pronouncements In January 2014, the FASB issued ASU No. 2014-04, Reclassification of Residential Real Estate Collateralized Consumer Mortgage Loans upon Foreclosure. The objective of this guidance is to clarify when an in substance repossession or foreclosure occurs, that is, when a creditor should be considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan such that the loan receivable should be derecognized and the real estate property recognized. ASU No. 2014-04 states that an in substance repossession or foreclosure occurs, and a creditor is considered to have received physical possession of residential real estate property collateralizing a consumer mortgage loan, upon either (1) the creditor obtaining legal title to the residential real estate property upon completion of a foreclosure or (2) the borrower conveying all interest in the residential real estate property to the creditor to satisfy that loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. Additionally, ASU No. 2014-04 requires interim and annual disclosure of both (1) the amount of foreclosed residential real estate property held by the creditor and (2) the recorded investment in consumer mortgage loans collateralized by residential real estate property that are in the process of foreclosure according to local requirements of the applicable jurisdiction. ASU No. 2014-04 is effective for interim and annual reporting periods beginning after December 15, 2014. The adoption of ASU No. 2014-04 did not have a material impact on the Company's Financial Statements. In June 2014, the FASB issued ASU No. 2014-11, Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures. The Update improves the financial reporting of repurchase agreements and other similar transactions through a change in accounting for repurchase-to-maturity transactions and repurchase financings, and the introduction of two new disclosure requirements. New disclosures are required for (1) transfers accounted for as sales in transactions that are economically similar to repurchase agreements, in which the transferor retains substantially all of the exposure to the economic return on the transferred financial asset throughout the term of the transaction and (2) repurchase agreements, securities lending transactions, and repurchase-to-maturity transactions accounted for as secured borrowings about the nature of collateral pledged and the time to maturity of those transactions The adoption of ASU No. 2014-11 did not have a material impact on the Company's Financial Statements. Pending Accounting Pronouncements In May 2014, the FASB issued ASU No. 2014-09 Revenue from Contracts with Customers. This update to the ASC is the culmination of efforts by the FASB and the International Accounting Standards Board (IASB) to develop a common revenue standard for U.S. GAAP and International Financial Reporting Standards (IFRS). ASU 2014-09 supersedes Topic 605 – Revenue Recognition and most industry-specific guidance. The core principal of the guidance is that an entity should recognize 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. The guidance in ASU 2014-09 describes a 5-step process entities can apply to achieve the core principle of revenue recognition and requires disclosures sufficient to enable users of financial statements to understand the nature, amount, timing, and uncertainty of revenue and cash flows arising from contracts with customers and the significant judgments used in determining that information. This update was originally effective for annual reporting periods beginning on or after December 15, 2016 and interim periods therein and requires expanded disclosures. In July 2015 the FASB issued a deferral of ASU 2014-09 of one year making it effective for annual reporting periods beginning on or after December 15, 2017 while also providing for early adoption but not before the original effective date. The Company is currently evaluating the effects of ASU 2014-09 on its financial statements and disclosures, if any.

Note 3 - Investment Securitie17

Note 3 - Investment Securities Available for Sale (Tables)	9 Months Ended
	Sep. 30, 2015
Investments, Debt and Equity Securities [Abstract]
Schedule of Available-for-sale Securities Reconciliation [Table Text Block]	Available-for-Sale September 30, 2015 Gross Gross Estimated Amortized Unrealized Unrealized Fair Cost Gains Losses Value Debt securities: U.S. Government-sponsored agencies $ 998 $ 2 $ - $ 1,000 U.S. Government-sponsored agencies collateralized by mortgage obligations- residential 71,034 469 (207 ) 71,296 Obligations of states and political subdivisions 16,726 374 (5 ) 17,095 $ 88,758 $ 845 $ (212 ) $ 89,391 Available-for-Sale December 31, 2014 Gross Gross Estimated Amortized Unrealized Unrealized Fair Cost Gains Losses Value Debt securities: U.S. Government-sponsored agencies $ 7,003 $ 19 $ (20 ) $ 7,002 U.S. Government-sponsored agencies collateralized by mortgage obligations- residential 70,610 192 (522 ) 70,280 Obligations of states and political subdivisions 12,307 234 (9 ) 12,532 Corporate debt 502 4 - 506 $ 90,422 $ 449 $ (551 ) $ 90,320
Schedule of Unrealized Loss on Investments [Table Text Block]	September 30, 2015 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses Debt securities: U.S. Government agencies collateralized by mortgage obligations-residential $ 11,649 $ 26 $ 12,507 $ 181 $ 24,156 $ 207 Obligations of states and political subdivisions 1,495 4 160 1 1,655 5 $ 13,144 $ 30 $ 12,667 $ 182 $ 25,811 $ 212 December 31, 2014 Less than 12 Months 12 Months or More Total Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses Debt securities: U.S. Government- sponsored agencies $ 994 $ 6 $ 2,985 $ 14 $ 3,979 $ 20 U.S. Government agencies collateralized by mortgage obligations-residential 4,504 17 28,643 505 33,147 522 Obligations of states and political subdivisions 2,014 9 - - 2,014 9 $ 7,512 $ 32 $ 31,628 $ 519 $ 39,140 $ 551
Investments Classified by Contractual Maturity Date [Table Text Block]	Amortized Cost Estimated Fair Value After one year through five years $ 998 $ 1,000 After five years through ten years 13,108 13,396 After ten years 3,618 3,699 Investment securities not due at a single maturity date: Government-sponsored mortgage-backed securities 71,034 71,296 $ 88,758 $ 89,391

Note 4 - Loans and the Allowa18

Note 4 - Loans and the Allowance for Loan Losses (Tables)	9 Months Ended
	Sep. 30, 2015
Note 4 - Loans and the Allowance for Loan Losses (Tables) [Line Items]
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	September 30, December 31, 2015 2014 Commercial $ 32,898 $ 31,465 Agricultural 39,819 35,355 Real estate - residential 26,201 29,284 Real estate – commercial 182,728 163,306 Real estate – construction and land development 20,479 24,572 Equity lines of credit 37,872 38,972 Auto 48,012 44,618 Other 2,777 2,818 390,786 370,390 Deferred loan costs, net 1,969 1,848 Allowance for loan losses (5,917 ) (5,451 ) $ 386,838 $ 366,787
Allowance for Credit Losses on Financing Receivables [Table Text Block]	September 30, December 31, 2015 2014 Balance, beginning of year $ 5,451 $ 5,517 Provision charged to operations 900 1,100 Losses charged to allowance (672 ) (1,913 ) Recoveries 238 747 Balance, end of year $ 5,917 $ 5,451
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	Number of Loans Pre-Modification Outstanding Recorded Investment Post-Modification Recorded Investment Troubled Debt Restructurings: Auto 1 $ 10 $ 10 Total 1 $ 10 $ 10
Financing Receivable Credit Quality Indicators [Table Text Block]	September 30, 2015 Commercial Credit Exposure Credit Risk Profile by Internally Assigned Grade Commercial Agricultural Real Estate- Residential Real Estate- Commercial Real Estate- Construction Equity LOC Total Grade: Pass $ 31,618 $ 39,070 $ 26,041 $ 176,528 $ 19,567 $ 37,359 $ 330,183 Watch 695 373 82 2,215 - 146 3,511 Substandard 585 376 78 3,985 912 367 6,303 Doubtful - - - - - - - Total $ 32,898 $ 39,819 $ 26,201 $ 182,728 $ 20,479 $ 37,872 $ 339,997 December 31, 2014 Commercial Credit Exposure Credit Risk Profile by Internally Assigned Grade Commercial Agricultural Real Estate- Residential Real Estate- Commercial Real Estate- Construction Equity LOC Total Grade: Pass $ 30,176 $ 34,609 $ 28,048 $ 156,329 $ 22,924 $ 38,373 $ 310,459 Watch 789 355 233 2,297 537 146 4,357 Substandard 500 391 1,003 4,680 1,111 453 8,138 Doubtful - - - - - - - Total $ 31,465 $ 35,355 $ 29,284 $ 163,306 $ 24,572 $ 38,972 $ 322,954
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]	Nine months ended September 30, 2015: Commercial Agricultural Real Estate- Residential Real Estate- Commercial Real Estate- Construction Equity LOC Auto Other Total Allowance for Loan Losses Beginning balance $ 574 $ 225 $ 379 $ 1,701 $ 1,227 $ 691 $ 581 $ 73 $ 5,451 Charge-offs (88 ) (3 ) (132 ) - (54 ) (59 ) (309 ) (27 ) (672 ) Recoveries 102 6 6 - - 4 84 36 238 Provision (30 ) 33 80 758 (231 ) (97 ) 397 (10 ) 900 Ending balance $ 558 $ 261 $ 333 $ 2,459 $ 942 $ 539 $ 753 $ 72 $ 5,917 Three months ended September 30, 2015: Allowance for Loan Losses Beginning balance $ 628 $ 242 $ 399 $ 2,140 $ 1,031 $ 534 $ 717 $ 89 $ 5,780 Charge-offs (34 ) - (79 ) - 1 - (105 ) (5 ) (222 ) Recoveries 12 6 2 - - 1 29 9 59 Provision (48 ) 13 11 319 (90 ) 4 112 (21 ) 300 Ending balance $ 558 $ 261 $ 333 $ 2,459 $ 942 $ 539 $ 753 $ 72 $ 5,917 Nine months ended September 30, 2014: Allowance for Loan Losses Beginning balance $ 785 $ 164 $ 638 $ 1,774 $ 944 $ 613 $ 449 $ 150 $ 5,517 Charge-offs (191 ) - (145 ) (887 ) - (142 ) (253 ) (84 ) (1,702 ) Recoveries 50 - 29 5 491 15 33 63 686 Provision (33 ) 54 (114 ) 636 (238 ) 137 311 (3 ) 750 Ending balance $ 611 $ 218 $ 408 $ 1,528 $ 1,197 $ 623 $ 540 $ 126 $ 5,251 Three months ended September 30, 2014: Allowance for Loan Losses Beginning balance $ 703 $ 211 $ 423 $ 1,686 $ 1,140 $ 603 $ 466 $ 126 $ 5,358 Charge-offs (98 ) - - (208 ) - - (148 ) (27 ) (481 ) Recoveries 23 - 2 4 - 2 12 31 74 Provision (17 ) 7 (17 ) 46 57 18 210 (4 ) 300 Ending balance $ 611 $ 218 $ 408 $ 1,528 $ 1,197 $ 623 $ 540 $ 126 $ 5,251 September 30, 2015: Allowance for Loan Losses Ending balance: individually evaluated for impairment $ 13 $ - $ 56 $ 372 $ 232 $ 32 $ - $ - $ 705 Ending balance: collectively evaluated for impairment $ 545 $ 261 $ 277 $ 2,087 $ 710 $ 507 $ 753 $ 72 $ 5,212 Loans Ending balance $ 32,898 $ 39,819 $ 26,201 $ 182,728 $ 20,479 $ 37,872 $ 48,012 $ 2,777 $ 390,786 Ending balance: individually evaluated for impairment $ 100 $ 586 $ 1,601 $ 3,190 $ 1,049 $ 334 $ 87 $ 3 $ 6,950 Ending balance: collectively evaluated for impairment $ 32,798 $ 39,233 $ 24,600 $ 179,538 $ 19,430 $ 37,538 $ 47,925 $ 2,774 $ 383,836 December 31, 2014 Commercial Agricultural Real Estate- Residential Real Estate- Commercial Real Estate- Construction Equity LOC Auto Other Total Allowance for Loan Losses Ending balance: individually evaluated for impairment $ - $ - $ 51 $ 65 $ 274 $ 174 $ - $ - $ 564 Ending balance: collectively evaluated for impairment $ 574 $ 225 $ 328 $ 1,636 $ 953 $ 517 $ 581 $ 73 $ 4,887 Loans Ending balance $ 31,465 $ 35,355 $ 29,284 $ 163,306 $ 24,572 $ 38,972 $ 44,618 $ 2,818 $ 370,390 Ending balance: individually evaluated for impairment $ 55 $ 605 $ 2,518 $ 3,643 $ 1,252 $ 415 $ 93 $ 1 $ 8,582 Ending balance: collectively evaluated for impairment $ 31,410 $ 34,750 $ 26,766 $ 159,663 $ 23,320 $ 38,557 $ 44,525 $ 2,817 $ 361,808
Past Due Financing Receivables [Table Text Block]	September 30, 2015 30-89 Days 90 Days and Total Past Due Still Accruing Nonaccrual Past Due Current Total Commercial $ 46 $ - $ 82 $ 128 $ 32,770 $ 32,898 Agricultural 4 - 324 328 39,491 39,819 Real estate – residential 19 - 92 111 26,090 26,201 Real estate – commercial 177 - 3,189 3,366 179,362 182,728 Real estate– construction and land - - 912 912 19,567 20,479 Equity lines of credit 242 - 334 576 37,296 37,872 Auto 525 - 88 613 47,399 48,012 Other 17 - 3 20 2,757 2,777 Total $ 1,030 $ - $ 5,024 $ 6,054 $ 384,732 $ 390,786 December 31, 2014 30-89 Days 90 Days and Total Past Due Still Accruing Nonaccrual Past Due Current Total Commercial $ 131 $ - $ 38 $ 169 $ 31,296 $ 31,465 Agricultural - - 339 339 35,016 35,355 Real estate – residential 292 - 985 1,277 28,007 29,284 Real estate – commercial - - 3,643 3,643 159,663 163,306 Real estate – construction and land 345 - 1,111 1,456 23,116 24,572 Equity Lines of credit 194 - 415 609 38,363 38,972 Auto 601 - 93 694 43,924 44,618 Other 43 - 1 44 2,774 2,818 Total $ 1,606 $ - $ 6,625 $ 8,231 $ 362,159 $ 370,390
Impaired Financing Receivables [Table Text Block]	Unpaid Average Interest Recorded Principal Related Recorded Income As of September 30, 2015: Investment Balance Allowance Investment Recognized With no related allowance recorded: Commercial $ 67 $ 67 $ 45 $ - Agricultural 586 586 595 15 Real estate – residential 1,355 1,366 1,340 59 Real estate – commercial 2,009 2,655 2,073 - Real estate – construction and land 249 249 244 - Equity lines of credit 219 270 177 - Auto 87 87 29 - Other 3 3 - - With an allowance recorded: Commercial $ 33 $ 33 $ 13 $ 21 $ 1 Agricultural - - - - - Real estate – residential 246 246 56 217 8 Real estate – commercial 1,181 1,181 372 1,217 - Real estate – construction and land 800 800 232 819 6 Equity lines of credit 115 115 32 115 - Auto - - - - - Other - - - - - Total: Commercial $ 100 $ 100 $ 13 $ 66 $ 1 Agricultural 586 586 - 595 15 Real estate – residential 1,601 1,612 56 1,557 67 Real estate – commercial 3,190 3,836 372 3,290 - Real estate – construction and land 1,049 1,049 232 1,063 6 Equity lines of credit 334 385 32 292 - Auto 87 87 - 29 - Other 3 3 - - - Total $ 6,950 $ 7,658 $ 705 $ 6,892 $ 89 Unpaid Average Interest Recorded Principal Related Recorded Income As of December 31, 2014: Investment Balance Allowance Investment Recognized With no related allowance recorded: Commercial $ 55 $ 55 $ 61 $ 1 Agricultural 605 605 605 51 Real estate – residential 1,422 1,433 1,443 80 Real estate – commercial 3,389 4,036 2,460 - Real estate – construction and land 495 495 512 9 Equity lines of credit 121 121 130 - Auto 93 93 81 - Other 1 1 - - With an allowance recorded: Commercial $ - $ - $ - $ - $ - Agricultural - - - - Real estate – residential 1,096 1,102 51 1,112 11 Real estate – commercial 254 254 65 589 - Real estate – construction and land 757 757 274 778 - Equity lines of credit 294 294 174 299 - Auto - - - - - Other - - - - - Total: Commercial $ 55 $ 55 $ - $ 61 $ 1 Agricultural 605 605 - 605 51 Real estate – residential 2,518 2,535 51 2,555 91 Real estate – commercial 3,643 4,290 65 3,049 - Real estate – construction and land 1,252 1,252 274 1,290 9 Equity lines of credit 415 415 174 429 - Auto 93 93 - 81 - Other 1 1 - - - Total $ 8,582 $ 9,246 $ 564 $ 8,070 $ 152
Consumer Portfolio Segment [Member]
Note 4 - Loans and the Allowance for Loan Losses (Tables) [Line Items]
Financing Receivable Credit Quality Indicators [Table Text Block]	Consumer Credit Exposure Consumer Credit Exposure Credit Risk Profile Based on Payment Activity Credit Risk Profile Based on Payment Activity September 30, 2015 December 31, 2014 Auto Other Total Auto Other Total Grade: Performing $ 47,924 $ 2,774 $ 50,698 $ 44,523 $ 2,805 $ 47,328 Non-performing 88 3 91 95 13 108 Total $ 48,012 $ 2,777 $ 50,789 $ 44,618 $ 2,818 $ 47,436

Note 6 - Earnings Per Share (Ta

Note 6 - Earnings Per Share (Tables)	9 Months Ended
	Sep. 30, 2015
Earnings Per Share [Abstract]
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the Three Months For the Nine Months Ended September 30, Ended September 30, (In thousands, except per share data) 2015 2014 2015 2014 Net Income: Net income $ 1,600 $ 1,327 $ 4,170 $ 3,394 Earnings Per Share: Basic earnings per share $ 0.33 $ 0.28 $ 0.87 $ 0.71 Diluted earnings per share $ 0.32 $ 0.27 $ 0.82 $ 0.68 Weighted Average Number of Shares Outstanding: Basic shares 4,824 4,795 4,812 4,792 Diluted shares 5,067 4,995 5,061 4,970

Note 7 - Stock-Based Compensa20

Note 7 - Stock-Based Compensation (Tables)	9 Months Ended
	Sep. 30, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Schedule of Share-based Compensation, Stock Options, Activity [Table Text Block]	Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Term (Years) Intrinsic Value Options outstanding at January 1, 2015 306,393 $ 7.95 Options cancelled (74,600 ) 16.26 Options exercised (32,100 ) 2.95 Options outstanding at September 30, 2015 199,693 $ 5.65 2.7 $ 871,000 Options exercisable at September 30, 2015 199,693 $ 5.65 2.7 $ 871,000 Shares Weighted Average Exercise Price Weighted Average Remaining Contractual Term in Years Intrinsic Value Options outstanding at January 1, 2015 110,400 $ 6.32 Options outstanding at September 30, 2015 110,400 $ 6.32 6.6 $ 284,000 Options exercisable at September 30, 2015 27,600 $ 6.32 6.6 $ 71,000 Expected to vest after September 30, 2015 71,746 $ 6.32 6.6 $ 184,000
Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]	Nine Months Ended September 30, 2014 Expected life of stock options (in years) 5.2 Interest rate—stock options 1.64% Volatility—stock options 63.8% Dividend yields 2.0% Weighted-average fair value of options granted during the period $3.02

Note 9 - Fair Value Measureme21

Note 9 - Fair Value Measurement (Tables)	9 Months Ended
	Sep. 30, 2015
Fair Value Disclosures [Abstract]
Fair Value, by Balance Sheet Grouping [Table Text Block]	Fair Value Measurements at September 30, 2015 Using: Financial assets: Carrying Value Level 1 Level 2 Level 3 Total Fair Value Cash and cash equivalents $ 93,964 $ 93,964 $ 93,964 Investment securities 89,391 $ 89,391 89,391 Loans, net 386,838 $ 386,046 386,046 FHLB stock 2,380 N/A Accrued interest receivable 1,770 21 233 1,516 1,770 Financial liabilities: Deposits 538,754 483,607 55,172 538,779 Repurchase agreements 5,355 5,355 5,355 Note payable 5,000 5,000 5,000 Junior subordinated deferrable interest debentures 10,310 6,218 6,218 Accrued interest payable 94 7 39 48 94 Fair Value Measurements at December 31, 2014 Using: Financial assets: Carrying Value Level 1 Level 2 Level 3 Total Fair Value Cash and cash equivalents $ 45,574 $ 45,574 $ 45,574 Investment securities 90,320 $ 90,320 90,320 Loans, net 366,787 $ 368,442 368,442 FHLB stock 2,380 N/A Accrued interest receivable 1,727 281 1,446 1,727 Financial liabilities: Deposits 467,891 411,549 56,364 467,913 Repurchase agreements 9,626 9,626 9,626 Note payable 1,000 1,000 1,000 Subordinated debenture 7,454 7,313 7,313 Junior subordinated deferrable interest debentures 10,310 6,636 6,636 Accrued interest payable 72 7 47 18 72
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Fair Value Measurements at September 30, 2015 Using Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government-sponsored agencies $ 1,000 $ - $ 1,000 $ - U.S. Government-sponsored agencies collateralized by mortgage obligations- residential 71,296 71,296 Obligations of states and political subdivisions 17,095 17,095 $ 89,391 $ - $ 89,391 $ - Fair Value Measurements at December 31, 2014 Using Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Othe r Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government-sponsored agencies $ 7,002 $ - $ 7,002 $ - U.S. Government-sponsored agencies collateralized by mortgage obligations- residential 70,280 70,280 Obligations of states and political subdivisions 12,532 12,532 Corporate debt 506 506 $ 90,320 $ - $ 90,320 $ -
Fair Value Measurements, Nonrecurring [Table Text Block]	Fair Value Measurements at September 30, 2015 Using Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Nine Months Ended September 30, 2015 Total Gains (Losses) Assets: Impaired loans: Commercial $ 4 $ - $ - $ 4 $ (13 ) Agricultural - - - Real estate –residential - - - Real estate – commercial 1,225 1,225 - Real estate – construction and land development 47 47 (16 ) Equity lines of credit 83 83 4 Auto - - - Other - - - Total impaired loans 1,359 - - 1,359 (25 ) Other real estate: Commercial - - - - (39 ) Real estate – residential 117 117 - Real estate – commercial 237 237 (127 ) Real estate – construction and land development 1,768 1,768 114 Equity lines of credit 143 143 (27 ) Total other real estate 2,265 - - 2,265 (79 ) $ 3,624 $ - $ - $ 3,624 $ (104 ) Fair Value Measurements at December 31, 2014 Using Total Fair Value Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Nine Months Ended September 30, 2014 Total Gains (Losses) Assets: Impaired loans: Commercial $ - $ - $ - $ - $ - Agricultural - - - Real estate – residential 838 838 (63 ) Real estate – commercial 1,479 1,479 (26 ) Real estate – construction and land development 27 27 (130 ) Equity lines of credit 80 80 (81 ) Auto - - - Other - - - Total impaired loans 2,424 - - 2,424 (300 ) Other real estate: Real estate – residential 146 146 (17 ) Real estate – commercial 1,052 1,052 (33 ) Real estate – construction and land development 1,984 1,984 (126 ) Equity lines of credit 408 408 (51 ) Total other real estate 3,590 - - 3,590 (227 ) $ 6,014 $ - $ - $ 6,014 $ (527 )
Fair Value Inputs, Assets, Quantitative Information [Table Text Block]	Range Range Description Fair Value 9/30/15 Fair Value 12/31/2014 Valuation Technique Significant Unobservable Input (Weighted Average) 9/30/2015 (Weighted Average) 12/31/2014 Impaired Loans: Commercial $ 4 $ - Sales Comparison Adjustment for differences between comparable sales 0% - 28% (12% ) N/A Real estate – residential $ - $ 838 Sales Comparison Adjustment for differences between comparable sales N/A 8% (8% ) Real estate – commercial $ 1,225 $ 1,479 Sales Comparison Adjustment for differences between comparable sales 9% - 12% (10% ) 9% - 12% (10% ) Construction and land $ 47 $ 27 Sales Comparison Adjustment for differences between comparable sales 8% (8% ) 8% (8% ) Equity lines of credit $ 83 $ 80 Sales Comparison Adjustment for differences between comparable sales 8% (8% ) 8% (8% ) Other Real Estate: Real estate – residential $ 117 $ 146 Sales Comparison Adjustment for differences between comparable sales 10% (10% ) 10% (10% ) Real estate – commercial $ 237 $ 1,052 Sales Comparison Adjustment for differences between comparable sales 10% (10% ) 10% (10% ) Construction and land $ 1,768 $ 1,984 Sales Comparison Adjustment for differences between comparable sales 10% (10% ) 10% (10% ) Equity lines of credit $ 143 $ 408 Sales Comparison Adjustment for differences between comparable sales 10% (10% ) 10% (10% )

Note 1 - General (Details)

Note 1 - General (Details)	Sep. 30, 2015
CALIFORNIA
Note 1 - General (Details) [Line Items]
Number of Branches	11

Note 3 - Investment Securitie23

Note 3 - Investment Securities Available for Sale (Details)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2015USD ($)	Sep. 30, 2014USD ($)	Sep. 30, 2015USD ($)	Sep. 30, 2014USD ($)	Dec. 31, 2014USD ($)
Note 3 - Investment Securities Available for Sale (Details) [Line Items]
Available-for-sale Securities, Accumulated Gross Unrealized Gain (Loss), before Tax	$ 633,000		$ 633,000		$ (102,000)
Available-for-sale Securities, Income Tax Expense (Benefit) on Accumulated Gross Unrealized Gains (Losses)	$ 262,000		$ 262,000		$ (42,000)
Number of Securities Sold During Period	7	14	15	14
Available-for-sale Securities, Gross Realized Gains (Losses), Sale Proceeds	$ 5,592,000	$ 16,325,000	$ 12,260,000	$ 16,325,000
Available-for-sale Securities, Gross Realized Gain (Loss)	$ 9,000		$ 21,000
Number of Securities Sold for Gain	3		8	13
Available-for-sale Securities, Gross Realized Gains	$ 25,000		$ 62,000	$ 134,000
Number of Securities Sold for Loss	4		7	1
Available-for-sale Securities, Gross Realized Losses	$ 34,000		$ 41,000	$ 6,000
Available-for-sale Securities, Transfers to Trading and Held to Maturity			0		0
Held-to-maturity Securities	$ 0		$ 0		$ 0
Number of Investment Securities	129		129
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions	27		27
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Less than One Year	13		13
Available-for-sale Debt Securities, Pledged to Secure Deposits and Repurchase Agreements, Amortized Cost Basis	$ 55,457,000		$ 55,457,000		57,793,000
Available-for-sale Securities Pledged as Collateral	$ 55,724,000		$ 55,724,000		$ 57,636,000
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Note 3 - Investment Securities Available for Sale (Details) [Line Items]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions	27		27
US Government-sponsored Enterprises Debt Securities [Member]
Note 3 - Investment Securities Available for Sale (Details) [Line Items]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions	22		22
US Government Agencies Debt Securities [Member]
Note 3 - Investment Securities Available for Sale (Details) [Line Items]
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions	5		5

Note 3 - Investment Securitie24

Note 3 - Investment Securities Available for Sale (Details) - Amortized Cost and Estimated Fair Value of Investment Securities - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Debt securities:
Investment securities available for sale, amortized cost	$ 88,758	$ 90,422
Investment securities available for sale, gross unrealized gains	845	449
Investment securities available for sale, gross unrealized losses	(212)	(551)
Investment securities available for sale	89,391	90,320
US Government Agencies Debt Securities [Member]
Debt securities:
Investment securities available for sale, amortized cost	998	7,003
Investment securities available for sale, gross unrealized gains	2	19
Investment securities available for sale, gross unrealized losses		(20)
Investment securities available for sale	1,000	7,002
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Debt securities:
Investment securities available for sale, amortized cost	71,034	70,610
Investment securities available for sale, gross unrealized gains	469	192
Investment securities available for sale, gross unrealized losses	(207)	(522)
Investment securities available for sale	71,296	70,280
US States and Political Subdivisions Debt Securities [Member]
Debt securities:
Investment securities available for sale, amortized cost	16,726	12,307
Investment securities available for sale, gross unrealized gains	374	234
Investment securities available for sale, gross unrealized losses	(5)	(9)
Investment securities available for sale	$ 17,095	12,532
Corporate Debt Securities [Member]
Debt securities:
Investment securities available for sale, amortized cost		502
Investment securities available for sale, gross unrealized gains		4
Investment securities available for sale		$ 506

Note 3 - Investment Securitie25

Note 3 - Investment Securities Available for Sale (Details) - Investment Securities with Unrealized Losses - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Debt securities:
Less than 12 months-Fair value	$ 13,144	$ 7,512
Less than 12 months-unrealized losses	30	32
12 months or more-fair value	12,667	31,628
12 months or more-unrealized losses	182	519
Fair value	25,811	39,140
Unrealzied losses	212	551
US Government Agencies Debt Securities [Member]
Debt securities:
Less than 12 months-Fair value	11,649	994
Less than 12 months-unrealized losses	26	6
12 months or more-fair value	12,507	2,985
12 months or more-unrealized losses	181	14
Fair value	24,156	3,979
Unrealzied losses	207	20
US States and Political Subdivisions Debt Securities [Member]
Debt securities:
Less than 12 months-Fair value	1,495	2,014
Less than 12 months-unrealized losses	4	9
12 months or more-fair value	160	0
12 months or more-unrealized losses	1	0
Fair value	1,655	2,014
Unrealzied losses	$ 5	9
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Debt securities:
Less than 12 months-Fair value		4,504
Less than 12 months-unrealized losses		17
12 months or more-fair value		28,643
12 months or more-unrealized losses		505
Fair value		33,147
Unrealzied losses		$ 522

Note 3 - Investment Securitie26

Note 3 - Investment Securities Available for Sale (Details) - Investment Securities by Contractual Maturity - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Note 3 - Investment Securities Available for Sale (Details) - Investment Securities by Contractual Maturity [Line Items]
After one year through five years	$ 998
After one year through five years	1,000
After five years through ten years	13,108
After five years through ten years	13,396
After ten years	3,618
After ten years	3,699
Investment securities not due at a single maturity date:
	88,758	$ 90,422
	89,391	$ 90,320
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Investment securities not due at a single maturity date:
Government-sponsored mortgage-backed securities	71,034
Government-sponsored mortgage-backed securities	$ 71,296

Note 4 - Loans and the Allowa27

Note 4 - Loans and the Allowance for Loan Losses (Details)	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2015USD ($)	Sep. 30, 2014USD ($)	Sep. 30, 2015USD ($)	Sep. 30, 2014USD ($)	Dec. 31, 2014USD ($)
Note 4 - Loans and the Allowance for Loan Losses (Details) [Line Items]
Impaired Financing Receivable, Recorded Investment	$ 6,950,000		$ 6,950,000		$ 8,582,000
Impaired Financing Receivable, Related Allowance	705,000		705,000		564,000
Impaired Financing Receivable, with Related Allowance, Recorded Investment	2,375,000		2,375,000		2,401,000
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	4,575,000		4,575,000		6,181,000
Impaired Financing Receivable, Average Recorded Investment			6,892,000	$ 7,949,000	8,070,000
Impaired Financing Receivable, Interest Income, Accrual Method			89,000	94,000	152,000
Impaired Financing Receivable, Interest Income, Cash Basis Method			0	$ 0
Financing Receivable, Modifications, Recorded Investment	4,720,000		4,720,000		5,738,000
Financing Receivable Modifications Related Allowances	288,000		$ 288,000		319,000
Financing Receivable, Modifications, Number of Contracts		1	0	1
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down				$ 0
Financing Receivable, Modifications, Subsequent Default, Number of Contracts			0	0
Financing Receivable, Recorded Investment, Nonaccrual Status	5,024,000		$ 5,024,000		6,625,000
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans	66,000	$ 82,000	270,000	$ 286,000
Financing Receivable, Recorded Investment, 90 Days Past Due and Still Accruing	0		0		0
Threshold Limit for Loans to be Reviewed for Credit Risk			100,000
Other Real Estate, Foreclosed Assets, and Repossessed Assets	2,265,000		2,265,000		3,590,000
Mortgage Loans in Process of Foreclosure, Amount	0		0		0
Residential Portfolio Segment [Member] | Real Estate Loan [Member]
Note 4 - Loans and the Allowance for Loan Losses (Details) [Line Items]
Impaired Financing Receivable, Recorded Investment	1,601,000		1,601,000		2,518,000
Impaired Financing Receivable, Related Allowance	56,000		56,000		51,000
Impaired Financing Receivable, with Related Allowance, Recorded Investment	246,000		246,000		1,096,000
Impaired Financing Receivable, with No Related Allowance, Recorded Investment	1,355,000		1,355,000		1,422,000
Impaired Financing Receivable, Average Recorded Investment			1,557,000		2,555,000
Impaired Financing Receivable, Interest Income, Accrual Method			67,000		91,000
Financing Receivable, Recorded Investment, Nonaccrual Status	92,000		92,000		985,000
Real Estate Acquired Through Foreclosure	$ 117,000		$ 117,000		$ 146,000

Note 4 - Loans and the Allowa28

Note 4 - Loans and the Allowance for Loan Losses (Details) - Outstanding Loans - USD ($) $ in Thousands	Sep. 30, 2015	Jun. 30, 2015	Dec. 31, 2014	Sep. 30, 2014	Jun. 30, 2014	Dec. 31, 2013
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 390,786		$ 370,390
Deferred loan costs, net	1,969		1,848
Allowance for loan losses	(5,917)	$ (5,780)	(5,451)	$ (5,251)	$ (5,358)	$ (5,517)
	386,838		366,787
Commercial Portfolio Segment [Member] | Commercial Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	32,898		31,465
Allowance for loan losses	(558)	(628)	(574)	(611)	(703)	(785)
Commercial Portfolio Segment [Member] | Agricultural Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	39,819		35,355
Allowance for loan losses	(261)	(242)	(225)	(218)	(211)	(164)
Commercial Portfolio Segment [Member] | Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	182,728		163,306
Allowance for loan losses	(2,459)	(2,140)	(1,701)	(1,528)	(1,686)	(1,774)
Commercial Portfolio Segment [Member] | Construction Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	20,479		24,572
Allowance for loan losses	(942)	(1,031)	(1,227)	(1,197)	(1,140)	(944)
Residential Portfolio Segment [Member] | Real Estate Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	26,201		29,284
Allowance for loan losses	(333)	(399)	(379)	(408)	(423)	(638)
Residential Portfolio Segment [Member] | Equity Lines of Credit [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	37,872		38,972
Allowance for loan losses	(539)	(534)	(691)	(623)	(603)	(613)
Consumer Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	50,789		47,436
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	48,012		44,618
Allowance for loan losses	(753)	(717)	(581)	(540)	(466)	(449)
Consumer Portfolio Segment [Member] | Other Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	2,777		2,818
Allowance for loan losses	$ (72)	$ (89)	$ (73)	$ (126)	$ (126)	$ (150)

Note 4 - Loans and the Allowa29

Note 4 - Loans and the Allowance for Loan Losses (Details) - Changes in the Allowance for Loan Losses - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Changes in the Allowance for Loan Losses [Abstract]
Balance, beginning of year	$ 5,780	$ 5,358	$ 5,451	$ 5,517	$ 5,517
Provision charged to operations	300	300	900	750	1,100
Losses charged to allowance	(222)	(481)	(672)	(1,702)	(1,913)
Recoveries	59	74	238	686	747
Balance, end of year	$ 5,917	$ 5,251	$ 5,917	$ 5,251	$ 5,451

Note 4 - Loans and the Allowa30

Note 4 - Loans and the Allowance for Loan Losses (Details) - Troubled Debt Restructuring $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014USD ($)
Troubled Debt Restructurings:
Number of Loans	1	0	1
Pre-modification Outstanding Recorded Investment			$ 10
Post-modification Recorded Investment			$ 10
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Troubled Debt Restructurings:
Number of Loans			1
Pre-modification Outstanding Recorded Investment			$ 10
Post-modification Recorded Investment			$ 10

Note 4 - Loans and the Allowa31

Note 4 - Loans and the Allowance for Loan Losses (Details) - Loan Portfolio Allocated by Management's Internal Risk Ratings - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Grade:
Loans	$ 390,786	$ 370,390
Commercial Portfolio Segment [Member] | Commercial Loans [Member]
Grade:
Loans	32,898	31,465
Commercial Portfolio Segment [Member] | Commercial Loans [Member] | Pass [Member]
Grade:
Loans	31,618	30,176
Commercial Portfolio Segment [Member] | Commercial Loans [Member] | Watch [Member]
Grade:
Loans	695	789
Commercial Portfolio Segment [Member] | Commercial Loans [Member] | Substandard [Member]
Grade:
Loans	585	500
Commercial Portfolio Segment [Member] | Commercial Loans [Member] | Doubtful [Member]
Grade:
Loans	0	0
Commercial Portfolio Segment [Member] | Agricultural Loans [Member]
Grade:
Loans	39,819	35,355
Commercial Portfolio Segment [Member] | Agricultural Loans [Member] | Pass [Member]
Grade:
Loans	39,070	34,609
Commercial Portfolio Segment [Member] | Agricultural Loans [Member] | Watch [Member]
Grade:
Loans	373	355
Commercial Portfolio Segment [Member] | Agricultural Loans [Member] | Substandard [Member]
Grade:
Loans	376	391
Commercial Portfolio Segment [Member] | Agricultural Loans [Member] | Doubtful [Member]
Grade:
Loans	0	0
Commercial Portfolio Segment [Member] | Real Estate Loan [Member]
Grade:
Loans	182,728	163,306
Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Pass [Member]
Grade:
Loans	176,528	156,329
Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Watch [Member]
Grade:
Loans	2,215	2,297
Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Substandard [Member]
Grade:
Loans	3,985	4,680
Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Doubtful [Member]
Grade:
Loans	0	0
Commercial Portfolio Segment [Member] | Construction Loans [Member]
Grade:
Loans	20,479	24,572
Commercial Portfolio Segment [Member] | Construction Loans [Member] | Pass [Member]
Grade:
Loans	19,567	22,924
Commercial Portfolio Segment [Member] | Construction Loans [Member] | Watch [Member]
Grade:
Loans	0	537
Commercial Portfolio Segment [Member] | Construction Loans [Member] | Substandard [Member]
Grade:
Loans	912	1,111
Commercial Portfolio Segment [Member] | Construction Loans [Member] | Doubtful [Member]
Grade:
Loans	0	0
Residential Portfolio Segment [Member] | Real Estate Loan [Member]
Grade:
Loans	26,201	29,284
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Pass [Member]
Grade:
Loans	26,041	28,048
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Watch [Member]
Grade:
Loans	82	233
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Substandard [Member]
Grade:
Loans	78	1,003
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Doubtful [Member]
Grade:
Loans	0	0
Residential Portfolio Segment [Member] | Equity Lines of Credit [Member]
Grade:
Loans	37,872	38,972
Residential Portfolio Segment [Member] | Equity Lines of Credit [Member] | Pass [Member]
Grade:
Loans	37,359	38,373
Residential Portfolio Segment [Member] | Equity Lines of Credit [Member] | Watch [Member]
Grade:
Loans	146	146
Residential Portfolio Segment [Member] | Equity Lines of Credit [Member] | Substandard [Member]
Grade:
Loans	367	453
Residential Portfolio Segment [Member] | Equity Lines of Credit [Member] | Doubtful [Member]
Grade:
Loans	0	0
Commercial and Residential Portfolio Segments [Member]
Grade:
Loans	339,997	322,954
Commercial and Residential Portfolio Segments [Member] | Pass [Member]
Grade:
Loans	330,183	310,459
Commercial and Residential Portfolio Segments [Member] | Watch [Member]
Grade:
Loans	3,511	4,357
Commercial and Residential Portfolio Segments [Member] | Substandard [Member]
Grade:
Loans	6,303	8,138
Commercial and Residential Portfolio Segments [Member] | Doubtful [Member]
Grade:
Loans	$ 0	$ 0

Note 4 - Loans and the Allowa32

Note 4 - Loans and the Allowance for Loan Losses (Details) - Credit Risk Profile by Internally Assigned Grade - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Grade:
Loans and leases receivable	$ 390,786	$ 370,390
Consumer Portfolio Segment [Member]
Grade:
Loans and leases receivable	50,789	47,436
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Grade:
Loans and leases receivable	48,012	44,618
Consumer Portfolio Segment [Member] | Other Loans [Member]
Grade:
Loans and leases receivable	2,777	2,818
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]
Grade:
Loans and leases receivable	50,698	47,328
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member] | Automobile Loan [Member]
Grade:
Loans and leases receivable	47,924	44,523
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member] | Other Loans [Member]
Grade:
Loans and leases receivable	2,774	2,805
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Grade:
Loans and leases receivable	91	108
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member] | Automobile Loan [Member]
Grade:
Loans and leases receivable	88	95
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member] | Other Loans [Member]
Grade:
Loans and leases receivable	$ 3	$ 13

Note 4 - Loans and the Allowa33

Note 4 - Loans and the Allowance for Loan Losses (Details) - Allocation of the Allowance for Loan Losses - USD ($) $ in Thousands	3 Months Ended		9 Months Ended		12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Allowance for Loan Losses
Balance, beginning of year	$ 5,780	$ 5,358	$ 5,451	$ 5,517	$ 5,517
Charge-offs	(222)	(481)	(672)	(1,702)	(1,913)
Recoveries	59	74	238	686	747
Provision	300	300	900	750	1,100
Balance, end of year	5,917	5,251	5,917	5,251	5,451
Allowance for Loan Losses
Loans: individually evaluated for impairment	705		705		8,582
Loans: collectively evaluated for impairment	5,212		5,212		361,808
Loans
Loans	390,786		390,786		370,390
Allowance for loan losses: individually evaluated for impairment	6,950		6,950		564
Allowance for loan losses: collectively evaluated for impairment	383,836		383,836		4,887
Commercial Portfolio Segment [Member] | Commercial Loans [Member]
Allowance for Loan Losses
Balance, beginning of year	628	703	574	785	785
Charge-offs	(34)	(98)	(88)	(191)
Recoveries	12	23	102	50
Provision	(48)	(17)	(30)	(33)
Balance, end of year	558	611	558	611	574
Allowance for Loan Losses
Loans: individually evaluated for impairment	13		13		55
Loans: collectively evaluated for impairment	545		545		31,410
Loans
Loans	32,898		32,898		31,465
Allowance for loan losses: individually evaluated for impairment	100		100		0
Allowance for loan losses: collectively evaluated for impairment	32,798		32,798		574
Commercial Portfolio Segment [Member] | Agricultural Loans [Member]
Allowance for Loan Losses
Balance, beginning of year	242	211	225	164	164
Charge-offs	0	0	(3)	0
Recoveries	6	0	6	0
Provision	13	7	33	54
Balance, end of year	261	218	261	218	225
Allowance for Loan Losses
Loans: individually evaluated for impairment	0		0		605
Loans: collectively evaluated for impairment	261		261		34,750
Loans
Loans	39,819		39,819		35,355
Allowance for loan losses: individually evaluated for impairment	586		586		0
Allowance for loan losses: collectively evaluated for impairment	39,233		39,233		225
Commercial Portfolio Segment [Member] | Real Estate Loan [Member]
Allowance for Loan Losses
Balance, beginning of year	2,140	1,686	1,701	1,774	1,774
Charge-offs	0	(208)	0	(887)
Recoveries	0	4	0	5
Provision	319	46	758	636
Balance, end of year	2,459	1,528	2,459	1,528	1,701
Allowance for Loan Losses
Loans: individually evaluated for impairment	372		372		3,643
Loans: collectively evaluated for impairment	2,087		2,087		159,663
Loans
Loans	182,728		182,728		163,306
Allowance for loan losses: individually evaluated for impairment	3,190		3,190		65
Allowance for loan losses: collectively evaluated for impairment	179,538		179,538		1,636
Commercial Portfolio Segment [Member] | Construction Loans [Member]
Allowance for Loan Losses
Balance, beginning of year	1,031	1,140	1,227	944	944
Charge-offs	1	0	(54)
Recoveries	0	0	0	491
Provision	(90)	57	(231)	(238)
Balance, end of year	942	1,197	942	1,197	1,227
Allowance for Loan Losses
Loans: individually evaluated for impairment	232		232		1,252
Loans: collectively evaluated for impairment	710		710		23,320
Loans
Loans	20,479		20,479		24,572
Allowance for loan losses: individually evaluated for impairment	1,049		1,049		274
Allowance for loan losses: collectively evaluated for impairment	19,430		19,430		953
Residential Portfolio Segment [Member] | Real Estate Loan [Member]
Allowance for Loan Losses
Balance, beginning of year	399	423	379	638	638
Charge-offs	(79)	0	(132)	(145)
Recoveries	2	2	6	29
Provision	11	(17)	80	(114)
Balance, end of year	333	408	333	408	379
Allowance for Loan Losses
Loans: individually evaluated for impairment	56		56		2,518
Loans: collectively evaluated for impairment	277		277		26,766
Loans
Loans	26,201		26,201		29,284
Allowance for loan losses: individually evaluated for impairment	1,601		1,601		51
Allowance for loan losses: collectively evaluated for impairment	24,600		24,600		328
Residential Portfolio Segment [Member] | Equity Lines of Credit [Member]
Allowance for Loan Losses
Balance, beginning of year	534	603	691	613	613
Charge-offs	0	0	(59)	(142)
Recoveries	1	2	4	15
Provision	4	18	(97)	137
Balance, end of year	539	623	539	623	691
Allowance for Loan Losses
Loans: individually evaluated for impairment	32		32		415
Loans: collectively evaluated for impairment	507		507		38,557
Loans
Loans	37,872		37,872		38,972
Allowance for loan losses: individually evaluated for impairment	334		334		174
Allowance for loan losses: collectively evaluated for impairment	37,538		37,538		517
Consumer Portfolio Segment [Member]
Loans
Loans	50,789		50,789		47,436
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Allowance for Loan Losses
Balance, beginning of year	717	466	581	449	449
Charge-offs	(105)	(148)	(309)	(253)
Recoveries	29	12	84	33
Provision	112	210	397	311
Balance, end of year	753	540	753	540	581
Allowance for Loan Losses
Loans: individually evaluated for impairment	0		0		93
Loans: collectively evaluated for impairment	753		753		44,525
Loans
Loans	48,012		48,012		44,618
Allowance for loan losses: individually evaluated for impairment	87		87		0
Allowance for loan losses: collectively evaluated for impairment	47,925		47,925		581
Consumer Portfolio Segment [Member] | Other Loans [Member]
Allowance for Loan Losses
Balance, beginning of year	89	126	73	150	150
Charge-offs	(5)	(27)	(27)	(84)
Recoveries	9	31	36	63
Provision	(21)	(4)	(10)	(3)
Balance, end of year	72	$ 126	72	$ 126	73
Allowance for Loan Losses
Loans: individually evaluated for impairment	0		0		1
Loans: collectively evaluated for impairment	72		72		2,817
Loans
Loans	2,777		2,777		2,818
Allowance for loan losses: individually evaluated for impairment	3		3		0
Allowance for loan losses: collectively evaluated for impairment	$ 2,774		$ 2,774		$ 73

Note 4 - Loans and the Allowa34

Note 4 - Loans and the Allowance for Loan Losses (Details) - Aging Analysis of the Loan Portfolio - USD ($)	Sep. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, past due	$ 6,054,000	$ 8,231,000
Loans, nonaccrual	5,024,000	6,625,000
Loans, current	384,732,000	362,159,000
Loans	390,786,000	370,390,000
Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, past due	1,030,000	1,606,000
Commercial Portfolio Segment [Member] | Commercial Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, past due	128,000	169,000
Loans, nonaccrual	82,000	38,000
Loans, current	32,770,000	31,296,000
Loans	32,898,000	31,465,000
Commercial Portfolio Segment [Member] | Commercial Loans [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, past due	46,000	131,000
Commercial Portfolio Segment [Member] | Agricultural Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, past due	328,000	339,000
Loans, nonaccrual	324,000	339,000
Loans, current	39,491,000	35,016,000
Loans	39,819,000	35,355,000
Commercial Portfolio Segment [Member] | Agricultural Loans [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, past due	4,000
Commercial Portfolio Segment [Member] | Real Estate Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, past due	3,366,000	3,643,000
Loans, nonaccrual	3,189,000	3,643,000
Loans, current	179,362,000	159,663,000
Loans	182,728,000	163,306,000
Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, past due	177,000
Commercial Portfolio Segment [Member] | Construction Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, past due	912,000	1,456,000
Loans, nonaccrual	912,000	1,111,000
Loans, current	19,567,000	23,116,000
Loans	20,479,000	24,572,000
Commercial Portfolio Segment [Member] | Construction Loans [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, past due		345,000
Residential Portfolio Segment [Member] | Real Estate Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, past due	111,000	1,277,000
Loans, nonaccrual	92,000	985,000
Loans, current	26,090,000	28,007,000
Loans	26,201,000	29,284,000
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, past due	19,000	292,000
Residential Portfolio Segment [Member] | Equity Lines of Credit [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, past due	576,000	609,000
Loans, nonaccrual	334,000	415,000
Loans, current	37,296,000	38,363,000
Loans	37,872,000	38,972,000
Residential Portfolio Segment [Member] | Equity Lines of Credit [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, past due	242,000	194,000
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans	50,789,000	47,436,000
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, past due	613,000	694,000
Loans, nonaccrual	88,000	93,000
Loans, current	47,399,000	43,924,000
Loans	48,012,000	44,618,000
Consumer Portfolio Segment [Member] | Automobile Loan [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, past due	525,000	601,000
Consumer Portfolio Segment [Member] | Other Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, past due	20,000	44,000
Loans, nonaccrual	3,000	1,000
Loans, current	2,757,000	2,774,000
Loans	2,777,000	2,818,000
Consumer Portfolio Segment [Member] | Other Loans [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, past due	$ 17,000	$ 43,000

Note 4 - Loans and the Allowa35

Note 4 - Loans and the Allowance for Loan Losses (Details) - Impaired Loans - USD ($)	9 Months Ended		12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
With no related allowance recorded:
Recorded investment with no related allowance recorded	$ 4,575,000		$ 6,181,000
Related allowance	705,000		564,000
With an allowance recorded:
Recorded investment with an allowance	2,375,000		2,401,000
Related allowance	705,000		564,000
Total:
Recorded investment	6,950,000		8,582,000
Unpaid principal balance	7,658,000		9,246,000
Related allowance	705,000		564,000
Average recorded investment	6,892,000	$ 7,949,000	8,070,000
Interest income recognized	89,000	$ 94,000	152,000
Commercial Portfolio Segment [Member] | Commercial Loans [Member]
With no related allowance recorded:
Recorded investment with no related allowance recorded	67,000		55,000
Unpaid principal balance with no related allowance recorded	67,000		55,000
Related allowance	13,000		0
Average recorded investment with no related allowance recorded	45,000		61,000
Interest income recognized with no related allowance recorded	0		1,000
With an allowance recorded:
Recorded investment with an allowance	33,000		0
Unpaid principal balance with allowance	33,000		0
Related allowance	13,000		0
Average recorded investment with an allowance	21,000		0
Interest income recognized with an allowance	1,000		0
Total:
Recorded investment	100,000		55,000
Unpaid principal balance	100,000		55,000
Related allowance	13,000		0
Average recorded investment	66,000		61,000
Interest income recognized	1,000		1,000
Commercial Portfolio Segment [Member] | Agricultural Loans [Member]
With no related allowance recorded:
Recorded investment with no related allowance recorded	586,000		605,000
Unpaid principal balance with no related allowance recorded	586,000		605,000
Related allowance	0		0
Average recorded investment with no related allowance recorded	595,000		605,000
Interest income recognized with no related allowance recorded	15,000		51,000
With an allowance recorded:
Recorded investment with an allowance	0		0
Unpaid principal balance with allowance	0		0
Related allowance	0		0
Average recorded investment with an allowance	0		0
Interest income recognized with an allowance	0		0
Total:
Recorded investment	586,000		605,000
Unpaid principal balance	586,000		605,000
Related allowance	0		0
Average recorded investment	595,000		605,000
Interest income recognized	15,000		51,000
Commercial Portfolio Segment [Member] | Real Estate Loan [Member]
With no related allowance recorded:
Recorded investment with no related allowance recorded	2,009,000		3,389,000
Unpaid principal balance with no related allowance recorded	2,655,000		4,036,000
Related allowance	372,000		65,000
Average recorded investment with no related allowance recorded	2,073,000		2,460,000
Interest income recognized with no related allowance recorded	0		0
With an allowance recorded:
Recorded investment with an allowance	1,181,000		254,000
Unpaid principal balance with allowance	1,181,000		254,000
Related allowance	372,000		65,000
Average recorded investment with an allowance	1,217,000		589,000
Interest income recognized with an allowance	0		0
Total:
Recorded investment	3,190,000		3,643,000
Unpaid principal balance	3,836,000		4,290,000
Related allowance	372,000		65,000
Average recorded investment	3,290,000		3,049,000
Interest income recognized	0		0
Commercial Portfolio Segment [Member] | Construction Loans [Member]
With no related allowance recorded:
Recorded investment with no related allowance recorded	800,000		495,000
Unpaid principal balance with no related allowance recorded	800,000		495,000
Related allowance	232,000		274,000
Average recorded investment with no related allowance recorded	819,000		512,000
Interest income recognized with no related allowance recorded	6,000		9,000
With an allowance recorded:
Recorded investment with an allowance	249,000		757,000
Unpaid principal balance with allowance	249,000		757,000
Related allowance	232,000		274,000
Average recorded investment with an allowance	244,000		778,000
Interest income recognized with an allowance	0		0
Total:
Recorded investment	1,049,000		1,252,000
Unpaid principal balance	1,049,000		1,252,000
Related allowance	232,000		274,000
Average recorded investment	1,063,000		1,290,000
Interest income recognized	6,000		9,000
Residential Portfolio Segment [Member] | Real Estate Loan [Member]
With no related allowance recorded:
Recorded investment with no related allowance recorded	1,355,000		1,422,000
Unpaid principal balance with no related allowance recorded	1,366,000		1,433,000
Related allowance	56,000		51,000
Average recorded investment with no related allowance recorded	1,340,000		1,443,000
Interest income recognized with no related allowance recorded	59,000		80,000
With an allowance recorded:
Recorded investment with an allowance	246,000		1,096,000
Unpaid principal balance with allowance	246,000		1,102,000
Related allowance	56,000		51,000
Average recorded investment with an allowance	217,000		1,112,000
Interest income recognized with an allowance	8,000		11,000
Total:
Recorded investment	1,601,000		2,518,000
Unpaid principal balance	1,612,000		2,535,000
Related allowance	56,000		51,000
Average recorded investment	1,557,000		2,555,000
Interest income recognized	67,000		91,000
Residential Portfolio Segment [Member] | Equity Lines of Credit [Member]
With no related allowance recorded:
Recorded investment with no related allowance recorded	219,000		121,000
Unpaid principal balance with no related allowance recorded	270,000		121,000
Related allowance	32,000		174,000
Average recorded investment with no related allowance recorded	177,000		130,000
Interest income recognized with no related allowance recorded	0		0
With an allowance recorded:
Recorded investment with an allowance	115,000		294,000
Unpaid principal balance with allowance	115,000		294,000
Related allowance	32,000		174,000
Average recorded investment with an allowance	115,000		299,000
Interest income recognized with an allowance	0		0
Total:
Recorded investment	334,000		415,000
Unpaid principal balance	385,000		415,000
Related allowance	32,000		174,000
Average recorded investment	292,000		429,000
Interest income recognized	0		0
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
With no related allowance recorded:
Recorded investment with no related allowance recorded	87,000		93,000
Unpaid principal balance with no related allowance recorded	87,000		93,000
Related allowance	0		0
Average recorded investment with no related allowance recorded	29,000		81,000
Interest income recognized with no related allowance recorded	0		0
With an allowance recorded:
Recorded investment with an allowance	0		0
Unpaid principal balance with allowance	0		0
Related allowance	0		0
Average recorded investment with an allowance	0		0
Interest income recognized with an allowance	0		0
Total:
Recorded investment	87,000		93,000
Unpaid principal balance	87,000		93,000
Related allowance	0		0
Average recorded investment	29,000		81,000
Interest income recognized	0		0
Consumer Portfolio Segment [Member] | Other Loans [Member]
With no related allowance recorded:
Recorded investment with no related allowance recorded	3,000		1,000
Unpaid principal balance with no related allowance recorded	3,000		1,000
Related allowance	0		0
Average recorded investment with no related allowance recorded	0		0
Interest income recognized with no related allowance recorded	0		0
With an allowance recorded:
Recorded investment with an allowance	0		0
Unpaid principal balance with allowance	0		0
Related allowance	0		0
Average recorded investment with an allowance	0		0
Interest income recognized with an allowance	0		0
Total:
Recorded investment	3,000		1,000
Unpaid principal balance	3,000		1,000
Related allowance	0		0
Average recorded investment	0		0
Interest income recognized	$ 0		$ 0

Note 5 - Commitments and Cont36

Note 5 - Commitments and Contingencies (Details) - USD ($)	Sep. 30, 2015	Dec. 31, 2014
Note 5 - Commitments and Contingencies (Details) [Line Items]
Unused Commitments to Extend Credit	$ 81,733,000	$ 89,735,000
Construction Loan Payable [Member]
Note 5 - Commitments and Contingencies (Details) [Line Items]
Unused Commitments to Extend Credit	7,082,000
Standby Letters of Credit [Member]
Note 5 - Commitments and Contingencies (Details) [Line Items]
Unused Commitments to Extend Credit	$ 15,000	$ 0

Note 6 - Earnings Per Share (De

Note 6 - Earnings Per Share (Details) - shares	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Earnings Per Share [Abstract]
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	53,000	238,000	53,000	267,000

Note 6 - Earnings Per Share (38

Note 6 - Earnings Per Share (Details) - Earnings Per Share - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Net Income:
Net income	$ 1,600	$ 1,327	$ 4,170	$ 3,394
Earnings Per Share:
Basic earnings per share	$ 0.33	$ 0.28	$ 0.87	$ 0.71
Diluted earnings per share	$ 0.32	$ 0.27	$ 0.82	$ 0.68
Weighted Average Number of Shares Outstanding:
Basic shares	4,824	4,795	4,812	4,792
Diluted shares	5,067	4,995	5,061	4,970

Note 7 - Stock-Based Compensa39

Note 7 - Stock-Based Compensation (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Sep. 30, 2015	Sep. 30, 2014
Note 7 - Stock-Based Compensation (Details) [Line Items]
Proceeds from Stock Options Exercised			$ 58,000	$ 22,000
Allocated Share-based Compensation Expense	$ 15,000	$ 24,000	56,000	57,000
Employee Service Share-based Compensation, Tax Benefit from Compensation Expense	$ 1,000	$ 1,000	$ 5,000	3,000
Stock Option Plan 2001 [Member]
Note 7 - Stock-Based Compensation (Details) [Line Items]
Common Stock, Capital Shares Reserved for Future Issuance (in Shares)	199,693		199,693
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant (in Shares)	0		0
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized	$ 0		$ 0
Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested in Period, Fair Value			49,000	49,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value			202,000	30,000
Proceeds from Stock Options Exercised			63,000	22,000
Employee Service Share-based Compensation, Tax Benefit Realized from Exercise of Stock Options			$ 0	$ 8,000
Stock Option Plan 2013 [Member]
Note 7 - Stock-Based Compensation (Details) [Line Items]
Common Stock, Capital Shares Reserved for Future Issuance (in Shares)	500,000		500,000
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant (in Shares)	389,600		389,600
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized	$ 150,000		$ 150,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross (in Shares)			0	110,400
Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price (in Dollars per share)				$ 6.32
Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition			2 years 219 days
Employee Stock Option [Member] | Stock Option Plan 2013 [Member]
Note 7 - Stock-Based Compensation (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period			10 years

Note 7 - Stock-Based Compensa40

Note 7 - Stock-Based Compensation (Details) - Stock Option Activity	9 Months Ended
	Sep. 30, 2015USD ($)$ / sharesshares
Stock Option Plan 2001 [Member]
Note 7 - Stock-Based Compensation (Details) - Stock Option Activity [Line Items]
Options outstanding | shares	306,393
Options outstanding, weighted average exercise price	$ 7.95
Options cancelled | shares	(74,600)
Options cancelled	$ 16.26
Options exercised | shares	(32,100)
Options exercised	$ 2.95
Options outstanding | shares	199,693
Options outstanding, weighted average exercise price	$ 5.65
Options outstanding, weighted average remaining contractual term	2 years 255 days
Options outstanding, intrinsic value | $	$ 871,000
Options exercisable | shares	199,693
Options exercisable, weighted average exercise price	$ 5.65
Options exercisable, weighted average remaining contractual term	2 years 255 days
Options exercisable, intrinsic value | $	$ 871,000
Stock Option Plan 2013 [Member]
Note 7 - Stock-Based Compensation (Details) - Stock Option Activity [Line Items]
Options outstanding | shares	110,400
Options outstanding, weighted average exercise price	$ 6.32
Options outstanding | shares	110,400
Options outstanding, weighted average exercise price	$ 6.32
Options outstanding, weighted average remaining contractual term	6 years 219 days
Options outstanding, intrinsic value | $	$ 284,000
Options exercisable | shares	27,600
Options exercisable, weighted average exercise price	$ 6.32
Options exercisable, weighted average remaining contractual term	6 years 219 days
Options exercisable, intrinsic value | $	$ 71,000
Expected to vest after September 30, 2015 | shares	71,746
Expected to vest after September 30, 2015	$ 6.32
Expected to vest after September 30, 2015	6 years 219 days
Expected to vest after September 30, 2015 | $	$ 184,000

Note 7 - Stock-Based Compensa41

Note 7 - Stock-Based Compensation (Details) - Weighted Average Fair Value Assumptions	9 Months Ended
	Sep. 30, 2015$ / shares
Note 7 - Stock-Based Compensation (Details) - Weighted Average Fair Value Assumptions [Line Items]
Weighted-average fair value of options granted during the period (in Dollars per share)	$ 3.02
Employee Stock Option [Member]
Note 7 - Stock-Based Compensation (Details) - Weighted Average Fair Value Assumptions [Line Items]
Expected life of stock options (in years)	5 years 73 days
Interest rate—stock options	1.64%
Volatility—stock options	63.80%
Dividend yields	2.00%

Note 8 - Income Taxes (Details)

Note 8 - Income Taxes (Details)	9 Months Ended
	Sep. 30, 2015USD ($)
Income Tax Disclosure [Abstract]
Unrecognized Tax Benefits, Period Increase (Decrease)	$ 0
Unrecognized Tax Benefits, Income Tax Penalties and Interest Accrued	$ 0

Note 9 - Fair Value Measureme43

Note 9 - Fair Value Measurement (Details) - USD ($)	9 Months Ended		12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Note 9 - Fair Value Measurement (Details) [Line Items]
Gain (Loss) on Sale of Assets and Asset Impairment Charges	$ (104,000)		$ (527,000)
Impaired Loans [Member]
Note 9 - Fair Value Measurement (Details) [Line Items]
Gain (Loss) on Sale of Assets and Asset Impairment Charges	$ (25,000)	$ (300,000)	$ (300,000)

Note 9 - Fair Value Measureme44

Note 9 - Fair Value Measurement (Details) - Carrying Amounts and Estimated Fair Values of Financial Instruments - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014	Sep. 30, 2014	Dec. 31, 2013
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents	$ 93,964	$ 45,574	$ 62,219	$ 49,917
Cash and cash equivalents, fair value	93,964	45,574
Investment securities available for sale	89,391	90,320
Investment securities available for sale, fair value	89,391	90,320
Loans, net	386,838	366,787
Loans, net fair value	386,046	368,442
FHLB stock	$ 2,380	$ 2,380
FHLB stock, fair value
Accrued interest receivable	$ 1,770	$ 1,727
Accrued interest receivable, fair value	1,770	1,727
Financial liabilities:
Deposits	538,754	467,891
Deposits, fair value	538,779	467,913
Repurchase agreements	5,355	9,626
Repurchase agreements, fair value	5,355	9,626
Note payable	5,000	1,000
Note payable, fair value	5,000	1,000
Subordinated debenture		7,454
Subordinated debenture		7,313
Junior subordinated deferrable interest debentures	10,310	10,310
Junior subordinated deferrable interest debentures, fair value	6,218	6,636
Accrued interest payable	94	72
Accrued interest payable, fair value	94	72
Fair Value, Inputs, Level 1 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Cash and cash equivalents, fair value	93,964	45,574
Accrued interest receivable, fair value	21
Financial liabilities:
Deposits, fair value	483,607	411,549
Accrued interest payable, fair value	7	7
Fair Value, Inputs, Level 2 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Investment securities available for sale	89,391	90,320
Investment securities available for sale, fair value	89,391	90,320
Accrued interest receivable, fair value	233	281
Financial liabilities:
Deposits, fair value	55,172	56,364
Repurchase agreements, fair value	5,355	9,626
Accrued interest payable, fair value	39	47
Fair Value, Inputs, Level 3 [Member]
Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]
Loans, net fair value	386,046	368,442
Accrued interest receivable, fair value	1,516	1,446
Financial liabilities:
Note payable, fair value	5,000	1,000
Subordinated debenture		7,313
Junior subordinated deferrable interest debentures, fair value	6,218	6,636
Accrued interest payable, fair value	$ 48	$ 18

Note 9 - Fair Value Measureme45

Note 9 - Fair Value Measurement (Details) - Assets and Liabilities Measured at Fair Value on a Recurring Basis - USD ($) $ in Thousands	Sep. 30, 2015	Dec. 31, 2014
Assets:
Investment securities	$ 89,391	$ 90,320
US Government Agencies Debt Securities [Member]
Assets:
Investment securities	1,000	7,002
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Assets:
Investment securities	71,296	70,280
US States and Political Subdivisions Debt Securities [Member]
Assets:
Investment securities	17,095	12,532
Corporate Debt Securities [Member]
Assets:
Investment securities		506
Fair Value, Inputs, Level 2 [Member]
Assets:
Investment securities	89,391	90,320
Fair Value, Inputs, Level 2 [Member] | US Government Agencies Debt Securities [Member]
Assets:
Investment securities	1,000	7,002
Fair Value, Inputs, Level 2 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Assets:
Investment securities	71,296	70,280
Fair Value, Inputs, Level 2 [Member] | US States and Political Subdivisions Debt Securities [Member]
Assets:
Investment securities	$ 17,095	12,532
Fair Value, Inputs, Level 2 [Member] | Corporate Debt Securities [Member]
Assets:
Investment securities		$ 506

Note 9 - Fair Value Measureme46

Note 9 - Fair Value Measurement (Details) - Assets and Liabilities Measured at Fair Value On a Non-recurring Basis - USD ($)	9 Months Ended		12 Months Ended
	Sep. 30, 2015	Sep. 30, 2014	Dec. 31, 2014
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	$ 3,624,000		$ 6,014,000
Asset Impairment Charges	(104,000)		(527,000)
Impaired Loans [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	1,359,000		2,424,000
Asset Impairment Charges	(25,000)	$ (300,000)	(300,000)
Other Real Estate [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	2,265,000		3,590,000
Asset Impairment Charges	(79,000)		(227,000)
Commercial Portfolio Segment [Member] | Commercial Loans [Member] | Impaired Loans [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	4,000
Asset Impairment Charges	(13,000)
Commercial Portfolio Segment [Member] | Commercial Loans [Member] | Other Real Estate [Member]
Impaired loans:
Asset Impairment Charges	(39,000)
Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Impaired Loans [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	1,225,000		1,479,000
Asset Impairment Charges			(26,000)
Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Other Real Estate [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	237,000		1,052,000
Asset Impairment Charges	(127,000)		(33,000)
Commercial Portfolio Segment [Member] | Construction Loans [Member] | Impaired Loans [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	47,000		27,000
Asset Impairment Charges	(16,000)		(130,000)
Commercial Portfolio Segment [Member] | Construction Loans [Member] | Other Real Estate [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	1,768,000		1,984,000
Asset Impairment Charges	114,000		(126,000)
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Impaired Loans [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring			838,000
Asset Impairment Charges			(63,000)
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Other Real Estate [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	117,000		146,000
Asset Impairment Charges			(17,000)
Residential Portfolio Segment [Member] | Equity Lines of Credit [Member] | Impaired Loans [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	83,000		80,000
Asset Impairment Charges	4,000		(81,000)
Residential Portfolio Segment [Member] | Equity Lines of Credit [Member] | Other Real Estate [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	143,000		408,000
Asset Impairment Charges	(27,000)		(51,000)
Fair Value, Inputs, Level 3 [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	3,624,000		6,014,000
Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	1,359,000		2,424,000
Fair Value, Inputs, Level 3 [Member] | Other Real Estate [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	2,265,000		3,590,000
Fair Value, Inputs, Level 3 [Member] | Commercial Portfolio Segment [Member] | Commercial Loans [Member] | Impaired Loans [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	4,000
Fair Value, Inputs, Level 3 [Member] | Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Impaired Loans [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	1,225,000		1,479,000
Fair Value, Inputs, Level 3 [Member] | Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Other Real Estate [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	237,000		1,052,000
Fair Value, Inputs, Level 3 [Member] | Commercial Portfolio Segment [Member] | Construction Loans [Member] | Impaired Loans [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	47,000		27,000
Fair Value, Inputs, Level 3 [Member] | Commercial Portfolio Segment [Member] | Construction Loans [Member] | Other Real Estate [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	1,768,000		1,984,000
Fair Value, Inputs, Level 3 [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Impaired Loans [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring			838,000
Fair Value, Inputs, Level 3 [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Other Real Estate [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	117,000		146,000
Fair Value, Inputs, Level 3 [Member] | Residential Portfolio Segment [Member] | Equity Lines of Credit [Member] | Impaired Loans [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	83,000		80,000
Fair Value, Inputs, Level 3 [Member] | Residential Portfolio Segment [Member] | Equity Lines of Credit [Member] | Other Real Estate [Member]
Impaired loans:
Assets Fair Value Disclosure Nonrecurring	$ 143,000		$ 408,000

Note 9 - Fair Value Measureme47

Note 9 - Fair Value Measurement (Details) - Quantitative Information About Level 3 Fair Value Measurements for Financial Instruments Measured at Fair Value On a Non-recurring Basis - USD ($) $ in Thousands	9 Months Ended	12 Months Ended
	Sep. 30, 2015	Dec. 31, 2014
Impaired Loans:
Impaired loans, other real estate (in Dollars)	$ 3,624	$ 6,014
Impaired Loans [Member]
Impaired Loans:
Impaired loans, other real estate (in Dollars)	1,359	2,424
Other Real Estate [Member]
Impaired Loans:
Impaired loans, other real estate (in Dollars)	2,265	$ 3,590
Commercial Portfolio Segment [Member] | Commercial Loans [Member] | Impaired Loans [Member]
Impaired Loans:
Impaired loans, other real estate (in Dollars)	$ 4
Impaired loans, other real estate- valuation technique	Sales Comparison
Impaired loans, other real estate- unobservable input range
Impaired loans, other real estate- weighted average
Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Impaired Loans [Member]
Impaired Loans:
Impaired loans, other real estate (in Dollars)	$ 1,225	$ 1,479
Impaired loans, other real estate- valuation technique	Sales Comparison
Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Other Real Estate [Member]
Impaired Loans:
Impaired loans, other real estate (in Dollars)	$ 237	$ 1,052
Impaired loans, other real estate- valuation technique	Sales Comparison
Impaired loans, other real estate- unobservable input range	10.00%	10.00%
Impaired loans, other real estate- weighted average	(10.00%)	(10.00%)
Commercial Portfolio Segment [Member] | Construction Loans [Member] | Impaired Loans [Member]
Impaired Loans:
Impaired loans, other real estate (in Dollars)	$ 47	$ 27
Impaired loans, other real estate- valuation technique	Sales Comparison
Impaired loans, other real estate- unobservable input range	8.00%	8.00%
Impaired loans, other real estate- weighted average	(8.00%)	(8.00%)
Commercial Portfolio Segment [Member] | Construction Loans [Member] | Other Real Estate [Member]
Impaired Loans:
Impaired loans, other real estate (in Dollars)	$ 1,768	$ 1,984
Impaired loans, other real estate- valuation technique	Sales Comparison
Impaired loans, other real estate- unobservable input range	10.00%	10.00%
Impaired loans, other real estate- weighted average	(10.00%)	(10.00%)
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Impaired Loans [Member]
Impaired Loans:
Impaired loans, other real estate (in Dollars)		$ 838
Impaired loans, other real estate- valuation technique	Sales Comparison
Impaired loans, other real estate- unobservable input range	0.00%	8.00%
Impaired loans, other real estate- weighted average	0.00%	(8.00%)
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Other Real Estate [Member]
Impaired Loans:
Impaired loans, other real estate (in Dollars)	$ 117	$ 146
Impaired loans, other real estate- valuation technique	Sales Comparison
Impaired loans, other real estate- unobservable input range	10.00%	10.00%
Impaired loans, other real estate- weighted average	(10.00%)	(10.00%)
Residential Portfolio Segment [Member] | Equity Lines of Credit [Member] | Impaired Loans [Member]
Impaired Loans:
Impaired loans, other real estate (in Dollars)	$ 83	$ 80
Impaired loans, other real estate- valuation technique	Sales Comparison
Impaired loans, other real estate- unobservable input range	8.00%	8.00%
Impaired loans, other real estate- weighted average	(8.00%)	(8.00%)
Residential Portfolio Segment [Member] | Equity Lines of Credit [Member] | Other Real Estate [Member]
Impaired Loans:
Impaired loans, other real estate (in Dollars)	$ 143	$ 408
Impaired loans, other real estate- valuation technique	Sales Comparison
Impaired loans, other real estate- unobservable input range	10.00%	10.00%
Impaired loans, other real estate- weighted average	(10.00%)	(10.00%)
Minimum [Member] | Commercial Portfolio Segment [Member] | Commercial Loans [Member] | Impaired Loans [Member]
Impaired Loans:
Impaired loans, other real estate- unobservable input range	0.00%
Impaired loans, other real estate- weighted average	(0.00%)
Minimum [Member] | Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Impaired Loans [Member]
Impaired Loans:
Impaired loans, other real estate- unobservable input range	9.00%	9.00%
Impaired loans, other real estate- weighted average	(9.00%)	(9.00%)
Maximum [Member] | Commercial Portfolio Segment [Member] | Commercial Loans [Member] | Impaired Loans [Member]
Impaired Loans:
Impaired loans, other real estate- unobservable input range	28.00%
Impaired loans, other real estate- weighted average	(28.00%)
Maximum [Member] | Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Impaired Loans [Member]
Impaired Loans:
Impaired loans, other real estate- unobservable input range	12.00%	12.00%
Impaired loans, other real estate- weighted average	(12.00%)	(12.00%)
Weighted Average [Member] | Commercial Portfolio Segment [Member] | Commercial Loans [Member] | Impaired Loans [Member]
Impaired Loans:
Impaired loans, other real estate- unobservable input range	12.00%
Impaired loans, other real estate- weighted average	(12.00%)
Weighted Average [Member] | Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Impaired Loans [Member]
Impaired Loans:
Impaired loans, other real estate- unobservable input range	10.00%	10.00%
Impaired loans, other real estate- weighted average	(10.00%)	(10.00%)
Weighted Average [Member] | Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Other Real Estate [Member]
Impaired Loans:
Impaired loans, other real estate- unobservable input range	10.00%	10.00%
Impaired loans, other real estate- weighted average	(10.00%)	(10.00%)
Weighted Average [Member] | Commercial Portfolio Segment [Member] | Construction Loans [Member] | Impaired Loans [Member]
Impaired Loans:
Impaired loans, other real estate- unobservable input range	8.00%	8.00%
Impaired loans, other real estate- weighted average	(8.00%)	(8.00%)
Weighted Average [Member] | Commercial Portfolio Segment [Member] | Construction Loans [Member] | Other Real Estate [Member]
Impaired Loans:
Impaired loans, other real estate- unobservable input range	10.00%	10.00%
Impaired loans, other real estate- weighted average	(10.00%)	(10.00%)
Weighted Average [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Impaired Loans [Member]
Impaired Loans:
Impaired loans, other real estate- unobservable input range		8.00%
Impaired loans, other real estate- weighted average		(8.00%)
Weighted Average [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Other Real Estate [Member]
Impaired Loans:
Impaired loans, other real estate- unobservable input range	10.00%	10.00%
Impaired loans, other real estate- weighted average	(10.00%)	(10.00%)
Weighted Average [Member] | Residential Portfolio Segment [Member] | Equity Lines of Credit [Member] | Impaired Loans [Member]
Impaired Loans:
Impaired loans, other real estate- unobservable input range	8.00%	8.00%
Impaired loans, other real estate- weighted average	(8.00%)	(8.00%)
Weighted Average [Member] | Residential Portfolio Segment [Member] | Equity Lines of Credit [Member] | Other Real Estate [Member]
Impaired Loans:
Impaired loans, other real estate- unobservable input range	10.00%	10.00%
Impaired loans, other real estate- weighted average	(10.00%)	(10.00%)