National Bankshares (NKSH) 10-K 9 Mar 16 2015 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2015	Mar. 09, 2016	Jun. 30, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	NATIONAL BANKSHARES INC
Trading Symbol	nksh
Document Type	10-K
Current Fiscal Year End Date	--12-31
Entity Common Stock, Shares Outstanding		6,957,974
Entity Public Float			$ 199,941,128
Amendment Flag	false
Entity Central Index Key	796,534
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Accelerated Filer
Entity Well-known Seasoned Issuer	No
Document Period End Date	Dec. 31, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	FY

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Assets
Cash and due from banks	$ 12,152	$ 12,894
Interest-bearing deposits	130,811	102,548
Securities available for sale, at fair value	236,131	222,844
Securities held to maturity (fair value of $158,032 at December 31, 2015 and $167,703 at December 31, 2014)	152,028	161,452
Restricted stock	1,129	1,089
Mortgage loans held for sale	634	291
Loans:
Real estate construction loans	48,251	45,562
Consumer real estate loans	143,504	147,039
Commercial real estate loans	309,378	310,762
Commercial non real estate loans	37,571	33,413
Public sector and IDA loans	51,335	41,361
Consumer non real estate loans	29,845	28,182
Total loans	619,884	606,319
Less unearned income and deferred fees	(876)	(853)
Loans, net of unearned income and deferred fees	619,008	605,466
Less allowance for loan losses	(8,297)	(8,263)
Loans, net	610,711	597,203
Premises and equipment, net	9,020	9,131
Accrued interest receivable	5,769	5,748
Other real estate owned, net	4,165	4,744
Intangible assets and goodwill	6,224	7,223
Bank-owned life insurance (BOLI)	22,401	21,797
Other assets	8,564	7,767
Total assets	1,199,739	1,154,731
Liabilities and Stockholders’ Equity
Noninterest-bearing demand deposits	166,453	150,744
Interest-bearing demand deposits	569,787	533,641
Savings deposits	90,236	81,297
Time deposits	192,383	216,746
Total deposits	1,018,859	982,428
Accrued interest payable	56	68
Other liabilities	8,710	5,932
Total liabilities	$ 1,027,625	$ 988,428
Commitments and contingencies
Stockholders’ equity:
Preferred stock, no par value, 5,000,000 shares authorized; none issued and outstanding
Common stock of $1.25 par value. Authorized 10,000,000 shares; issued and outstanding, 6,957,974 shares in 2015 and 6,950,474 in 2014	$ 8,698	$ 8,688
Retained earnings	171,353	163,287
Accumulated other comprehensive loss, net	(7,937)	(5,672)
Total stockholders’ equity	172,114	166,303
Total liabilities and stockholders’ equity	$ 1,199,739	$ 1,154,731

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Securities held to maturity, fair value (in Dollars)	$ 158,032	$ 167,703
Preferred stock, par value (in Dollars per share)	$ 0	$ 0
Preferred stock, shares authorized	5,000,000	5,000,000
Preferred stock, shares issued	0	0
Preferred stock, shares outstanding	0	0
Common stock, par value (in Dollars per share)	$ 1.25	$ 1.25
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	6,957,974	6,950,474
Common stock, shares outstanding	6,957,974	6,950,474

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Interest Income
Interest and fees on loans	$ 30,446	$ 31,058	$ 32,484
Interest on interest-bearing deposits	254	262	213
Interest on securities – taxable	6,776	6,798	6,585
Interest on securities – nontaxable	5,438	5,826	6,388
Total interest income	42,914	43,944	45,670
Interest Expense
Interest on deposits	4,183	4,899	5,955
Total interest expense	4,183	4,899	5,955
Net interest income	38,731	39,045	39,715
Provision for loan losses	2,009	1,641	1,531
Net interest income after provision for loan losses	36,722	37,404	38,184
Noninterest Income
Service charges on deposit accounts	2,250	2,434	2,563
Other service charges and fees	215	187	225
Credit card fees	3,861	3,631	3,330
Trust income	1,229	1,213	1,150
BOLI income	603	616	658
Other income	1,295	1,037	1,342
Realized securities gains (losses), net	33	2	(46)
Total noninterest income	9,486	9,120	9,222
Noninterest Expense
Salaries and employee benefits	12,522	11,606	11,907
Occupancy, furniture and fixtures	1,728	1,703	1,616
Data processing and ATM	1,657	1,650	1,700
FDIC assessment	546	533	554
Credit card processing	2,692	2,593	2,546
Intangible assets amortization	999	1,075	1,078
Net costs of other real estate owned	608	369	296
Franchise taxes	1,288	1,182	1,083
Other operating expenses	3,595	3,721	3,519
Total noninterest expense	25,635	24,432	24,299
Income before income taxes	20,573	22,092	23,107
Income tax expense	4,740	5,178	5,317
Net income	$ 15,833	$ 16,914	$ 17,790
Basic net income per common share (in Dollars per share)	$ 2.28	$ 2.43	$ 2.56
Fully diluted net income per common share (in Dollars per share)	$ 2.28	$ 2.43	$ 2.55

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Net Income	$ 15,833	$ 16,914	$ 17,790
Other Comprehensive Income (Loss), Net of Tax
Unrealized holding gains (losses) on available for sale securities net of tax of ($571) in 2015, $6,693 in 2014, and ($8,665) in 2013	(1,064)	12,430	(16,091)
Reclassification adjustment for (gains) losses included in net income, net of tax of ($12) in 2015, ($1) in 2014, and $19 in 2013	(21)	(1)	33
Net pension gain (losses) arising during the period, net of tax of ($597) in 2015, ($574) in 2014 and $1,022 in 2013	(1,108)	(1,066)	1,898
Less amortization of prior service cost included in net periodic pension cost, net of tax of ($38) in 2015, ($39) in 2014, and ($35) in 2013	(72)	(71)	(66)
Other comprehensive income (loss), net of tax of ($1,218) in 2015, $6,079 in 2014, and ($7,659) in 2013	(2,265)	11,292	(14,226)
Total Comprehensive Income	$ 13,568	$ 28,206	$ 3,564

Consolidated Statements of Com6

Consolidated Statements of Comprehensive Income (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Unrealized holding gains (losses) on available for sale securities, taxes	$ (571)	$ 6,693	$ (8,665)
Reclassification adjustment for (gains) losses included in net income, taxes	(12)	(1)	19
Net pension gain (losses) arising during the period, taxes	(597)	(574)	1,022
Less amortization of prior service cost included in net periodic pension cost, taxes	(38)	(39)	(35)
Other comprehensive income (loss), taxes	$ (1,218)	$ 6,079	$ (7,659)

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balance at Dec. 31, 2012	$ 8,685	$ 144,162	$ (2,738)	$ 150,109
Net income		17,790		17,790
Other comprehensive income (loss), net of tax			(14,226)	(14,226)
Dividends		(7,781)		(7,781)
Balance at Dec. 31, 2013	8,685	154,171	(16,964)	145,892
Net income		16,914		16,914
Other comprehensive income (loss), net of tax			11,292	11,292
Dividends		(7,853)		(7,853)
Exercise of stock options	3	55		58
Balance at Dec. 31, 2014	8,688	163,287	(5,672)	166,303
Net income		15,833		15,833
Other comprehensive income (loss), net of tax			(2,265)	(2,265)
Dividends		(7,930)		(7,930)
Exercise of stock options	10	163		173
Balance at Dec. 31, 2015	$ 8,698	$ 171,353	$ (7,937)	$ 172,114

Consolidated Statements of Cha8

Consolidated Statements of Changes in Stockholders' Equity (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Other comprehensive income (loss), tax	$ (1,218)	$ 6,079	$ (7,659)
Dividends, per share	$ 1.14	$ 1.13	$ 1.12

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Cash Flows from Operating Activities
Net income	$ 15,833	$ 16,914	$ 17,790
Adjustment to reconcile net income to net cash provided by operating activities:
Provision for loan losses	2,009	1,641	1,531
Deferred income tax expense	10	73	64
Depreciation of premises and equipment	749	732	726
Amortization of intangibles	999	1,075	1,078
Amortization of premiums and accretion of discounts, net	117	138	171
(Gains) losses on disposal of fixed assets	15	94	(11)
(Gains) losses on calls of securities available for sale, net	(33)	(2)	52
Gains on calls of securities held to maturity, net	0	0	(6)
Losses and writedowns on other real estate owned	426	129	99
Income on investment in BOLI	(603)	(616)	(658)
Gains on sale of mortgage loans held for sale	(273)	(159)	(335)
Originations of mortgage loans held for sale	(17,641)	(9,104)	(16,737)
Sale of mortgage loans held for sale	17,571	10,248	18,592
Net change in:
Accrued interest receivable	(21)	201	298
Other assets	420	(574)	1,760
Accrued interest payable	(12)	(24)	(47)
Other liabilities	963	(428)	83
Net cash provided by operating activities	20,529	20,338	24,450
Cash Flows from Investing Activities
Net change in interest-bearing deposits	(28,263)	(4,482)	(781)
Proceeds from repayments of mortgage-backed securities	717	902	1,745
Proceeds from calls and maturities of securities available for sale	64,556	11,088	63,886
Proceeds from calls and maturities of securities held to maturity	9,205	8,677	9,738
Purchases of securities available for sale	(80,093)	(33,905)	(83,996)
Purchases of securities held to maturity	0	(6,381)	(13,484)
Net change in restricted stock	(40)	325	275
Purchases of loan participations	(1,001)	(200)	(900)
Collections of loan participations	1,978	1,539	152
Loan originations and principal collections, net	(17,259)	(13,880)	(8,830)
Proceeds from disposal of other real estate owned	773	744	854
Recoveries on loans charged off	145	255	167
Additions to premises and equipment	(663)	(459)	(276)
Proceeds from sale of premises and equipment	0	453	11
Net cash used in investing activities	(49,945)	(35,324)	(31,439)
Cash Flows from Financing Activities
Net change in time deposits	(24,363)	(24,963)	(36,029)
Net change in other deposits	60,794	47,355	49,299
Cash dividends paid	(7,930)	(7,853)	(7,781)
Stock options exercised	173	58	0
Net cash provided by financing activities	28,674	14,597	5,489
Net change in cash and due from banks	(742)	(389)	(1,500)
Cash and due from banks at beginning of year	12,894	13,283	14,783
Cash and due from banks at end of year	12,152	12,894	13,283
Supplemental Disclosures of Cash Flow Information
Interest paid on deposits and borrowed funds	4,195	4,923	6,002
Income taxes paid	4,790	5,282	5,145
Supplemental Disclosures of Noncash Activities
Loans charged against the allowance for loan losses	2,120	1,860	1,820
Loans transferred to other real estate owned	620	905	4,230
Unrealized gains (losses) on securities available for sale	(1,668)	19,121	(24,704)
Minimum pension liability adjustment	$ (1,815)	$ 1,750	$ 2,819

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Significant Accounting Policies [Text Block]	Note 1: Summary of Significant Accounting Policies The consolidated financial statements include the accounts of National Bankshares, Inc. (Bankshares) and its wholly-owned subsidiaries, the National Bank of Blacksburg (NBB), and National Bankshares Financial Services, Inc. (NBFS), (the Company). All significant intercompany balances and transactions have been eliminated in consolidation. The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America and to general practices within the banking industry. The following is a summary of the more significant accounting policies. Subsequent events have been considered through the date when the Form 10-K was issued. Cash and Cash Equivalents For purposes of the consolidated statements of cash flows, cash and cash equivalents include cash and amounts due from banks. Interest-Bearing Deposits The Company invests over-night funds in interest-bearing deposits at other banks, including the Federal Home Loan Bank, the Federal Reserve, and other entities. Interest-bearing deposits are carried at cost. Securities Certain debt securities that management has the positive intent and ability to hold to maturity are classified as “held to maturity” and recorded at amortized cost. Trading securities are recorded at fair value with changes in fair value included in earnings. Securities not classified as held to maturity or trading, including equity securities with readily determinable fair values, are classified as “available for sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. The Company follows the accounting guidance related to recognition and presentation of other-than-temporary impairment. The guidance specifies that if (a) an entity does not have the intent to sell a debt security prior to recovery and (b) it is more likely than not that the entity will not have to sell the debt security prior to recovery, the security would not be considered other-than-temporarily impaired, unless there is a credit loss. When criteria (a) and (b) are met, the entity will recognize the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. For held-to-maturity debt securities, the amount of an other-than-temporary impairment recorded in other comprehensive income for the noncredit portion of a previous other-than-temporary impairment is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security. For equity securities, when the Company has decided to sell an impaired available-for-sale security and the Company does not expect the fair value of the security to fully recover before the expected time of sale, the security is deemed other-than-temporarily impaired in the period in which the decision to sell is made. The Company recognizes an impairment loss when the impairment is deemed other than temporary even if a decision to sell has not been made. Loans Held for Sale Loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value on an individual loan basis. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. Loans held for sale are sold with the mortgage servicing rights released by the Company. Loans The Company, through its banking subsidiary, provides mortgage, commercial, and consumer loans to customers. A substantial portion of the loan portfolio is represented by mortgage loans, particularly commercial mortgages. The ability of the Company’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in the Company’s market area. The Company’s loans are grouped into six segments: real estate construction, consumer real estate, commercial real estate, commercial non real estate, public sector and IDA, and consumer non real estate. Each segment is subject to certain risks that influence the establishment of pricing, loan structures, approval requirements, reserves, and ongoing credit management. Real estate construction loans are subject to general risks from changing commercial building and housing market trends and economic conditions that may impact demand for completed properties and the costs of completion. Completed properties that do not sell or become leased within originally expected timeframes may impact the borrower’s ability to service the debt. These risks are measured by market-area unemployment rates, bankruptcy rates, housing and commercial building market trends, and interest rates. Risks specific to the borrower are also evaluated, including previous repayment history, debt service ability, and current and projected loan-to value ratios for the collateral. The credit quality of consumer real estate is subject to risks associated with the borrower’s repayment ability and collateral value, measured generally by analyzing local unemployment and bankruptcy trends, and local housing market trends and interest rates. Risks specific to a borrower are determined by previous repayment history, loan-to-value ratios and debt-to-income ratios. The commercial real estate segment includes loans secured by multifamily residential real estate, commercial real estate occupied by the owner/borrower, and commercial real estate leased to non-owners. Loans in the commercial real estate segment are impacted by economic risks from changing commercial real estate markets, rental markets for multi-family housing and commercial buildings, business bankruptcy rates, local unemployment rates and interest rate trends that would impact the businesses housed by the commercial real estate. Commercial non real estate loans are secured by collateral other than real estate, or are unsecured. Credit risk for commercial non real estate loans is subject to economic conditions, generally monitored by local business bankruptcy trends, interest rates, and borrower repayment ability and collateral value (if secured). Public sector and IDA loans are extended to municipalities and related entities. Credit risk is based upon the entity’s ability to repay through either a direct obligation or assignment of specific revenues from an enterprise or other economic activity, and interest rate trends. Consumer non real estate includes credit cards, automobile and other consumer loans. Credit cards and certain other consumer loans are unsecured, while collateral is obtained for automobile loans and other consumer loans. Credit risk stems primarily from the borrower’s ability to repay. If the loan is secured, the company analyzes loan-to-value ratios. All consumer non real estate loans are analyzed for debt-to-income ratios and previous credit history, as well as for general risks for the portfolio, including local unemployment rates, personal bankruptcy rates and interest rates. Risks from delinquency trends and characteristics such as second-lien position and interest-only status, as well as historical charge-off rates, are analyzed for all segments. Loans that management has the intent and ability to hold for the foreseeable future, or until maturity or payoff, generally are reported at their outstanding unpaid principal balances adjusted for the allowance for loan losses and any deferred fees or costs on originated loans. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method. The Company considers multiple factors when determining whether to discontinue accrual of interest on individual loans. Generally loans are placed in nonaccrual status when collection of interest and/or full principal is considered doubtful. Interest accrual is discontinued at the time a commercial real estate loan or commercial non-real estate loan is 90 days delinquent unless the credit is well secured and in the process of collection. Loans within all loan classes that are not restructured but that are impaired and have an associated impairment loss are placed on nonaccrual unless the borrower is paying as agreed. Restructured loans within all classes that allow the borrower to discontinue payments of principal or interest for more than 90 days are placed on nonaccrual unless the modification provides reasonable assurance of repayment performance and collateral value supports regular underwriting requirements. Restructured loans within all classes that maintain current status for at least a six-month period, including history prior to restructuring, may be returned to accrual status. All interest accrued but not collected for loans of all classes that are placed on nonaccrual or for loans charged off is reversed against interest income. Any interest payments received on nonaccrual loans of all classes are credited to the principal balance of the loan. Loans of all classes that have been designated nonaccrual are returned to accrual status when all the principal and interest amounts contractually due are current; future payments are reasonably assured; and for loans that financed the sale of OREO property, loan-to-value thresholds are met. The Company reviews nonaccrual loans on an individual loan basis to determine whether future payments are reasonably assured. In order for this criteria to be satisfied, the Company’s evaluation must determine that the underlying cause of the original delinquency or weakness that indicated nonaccrual status has been resolved, such as receipt of new guarantees, increased cash flows that cover the debt service or other resolution. A loan is considered past due when a payment of principal and/or interest is due but not paid. Credit card payments not received within 30 days after the statement date, real estate loan payments not received within the payment cycle; and all other non-real estate secured loans for which payment is not made within the required payment cycle are considered 30 days past due. Management closely monitors past due loans in timeframes of 30-89 days past due and 90 or more days past due. Allowance for Loan Losses The allowance for loan losses represents management’s estimate of probable losses inherent in the Company’s loan portfolio. A provision for estimated losses is charged to earnings to establish and maintain the allowance for loan losses at a level reflective of the estimated credit risk. When management determines that a loan balance or portion of a loan balance is not collectible, the loss is charged against the allowance. Subsequent recoveries, if any, are credited to the allowance. Management evaluates the allowance each quarter through a methodology that estimates losses on individual impaired loans and evaluates the effect of numerous factors on the credit risk of groups of homogeneous loans. Specific allowances are established for individually-evaluated impaired loans based on the excess of the loan balance relative to the fair value of the loan. Impaired loans are designated as such when current information indicates that it is probable that the Company will be unable to collect principal or interest when due according to the contractual terms of the loan agreement. Loan relationships exceeding $250,000 in nonaccrual status or that are significantly past due, or for which a credit review identified weaknesses that indicate principal and interest will not be collected according to the loan terms, as well as all loans modified in a troubled debt restructuring, are designated impaired. This policy is applicable to all loan classes. Fair value of impaired loans is estimated in one of three ways: (1) the estimated fair value (less selling costs) of the underlying collateral, (2) the present value of the loan’s expected future cash flows, or (3) the loan’s observable market value. The amount of recorded investment (unpaid principal net of any interest payments made by the borrower during the nonaccrual period and net of any partial charge-offs, accrued interest and deferred fees and costs) in an impaired loan that exceeds the fair value is accrued as estimated loss in the allowance. Impaired loans for which collection of interest or principal is in doubt are placed in nonaccrual status. General allowances are established for collectively-evaluated loans. Collectively-evaluated loans are grouped into classes based on similar characteristics. Factors considered in determining general allowances include net charge-off trends, internal risk ratings, delinquency and nonperforming rates, product mix, underwriting practices, industry trends and economic trends. The Company’s charge-off policy meets or is more stringent than the minimum standards required by regulators. When available information confirms that a specific loan or a portion thereof, within any loan class, is uncollectible the amount is charged off against the allowance for loan losses. Additionally, losses on consumer real estate and consumer non-real estate loans are typically charged off no later than when the loans are 120-180 days past due, and losses on loans secured by residential real estate or by commercial real estate are charged off by the time the loans reach 180 days past due, in compliance with regulatory guidelines. Accordingly, secured loans may be charged down to the estimated value of the collateral, with previously accrued unpaid interest reversed. Subsequent charge-offs may be required as a result of changes in the market value of collateral or other repayment prospects. Troubled Debt Restructurings (“TDRs”) In situations where, for economic or legal reasons related to a borrower’s financial condition, management grants a concession to the borrower that it would not otherwise consider, the related loan is classified as a troubled debt restructuring (TDR). These modified terms may include reduction of the interest rate, extension of the maturity date at an interest rate lower than the current market rate for a new loan with similar risk, forgiveness of principal or accrued interest or other actions intended to minimize the economic loss. TDR loans are individually measured for impairment. Rate Lock Commitments The Company enters into commitments to originate mortgage loans in which the interest rate on the loan is determined prior to funding (rate lock commitments). Rate lock commitments on mortgage loans that are intended to be sold are considered to be derivatives. The period of time between issuance of a loan commitment and closing and sale of the loan generally ranges from 30 to 60 days. The Company protects itself from changes in interest rates through the use of best efforts forward delivery commitments, by committing to sell a loan at the time the borrower commits to an interest rate with the intent that the buyer has assumed interest rate risk on the loan. As a result, the Company is not exposed to losses nor will it realize significant gains related to its rate lock commitments due to changes in interest rates. The correlation between the rate lock commitments and the best efforts contracts is very high due to their similarity. The market value of rate lock commitments and best efforts contracts is not readily ascertainable with precision because rate lock commitments and best effort contracts are not actively traded in stand-alone markets. The Company determines the fair value of rate lock commitments and best efforts contracts by measuring the changes in the value of the underlying assets while taking into consideration the probability that the rate lock commitments will close. Because of the high correlation between rate lock commitments and best efforts contracts, no gain or loss occurs on the rate lock commitments. Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost, net of accumulated depreciation. Depreciation is charged to expense over the estimated useful lives of the assets on the straight-line basis. Depreciable lives include 40 years for premises, 3-10 years for furniture and equipment, and 3 years for computer software. Costs of maintenance and repairs are charged to expense as incurred and improvements are capitalized. Other Real Estate Owned Real estate acquired through or in lieu of foreclosure is held for sale and is initially recorded at fair value less estimated costs to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated costs to sell. Revenue and expenses from operations and changes in the valuation allowance are included in other operating expenses. Intangible Assets and Goodwill Goodwill is subject to at least an annual assessment for impairment by applying a fair value based test. The Company performs its annual analysis as of September 30 of each fiscal year. Accounting guidance permits preliminary assessment of qualitative factors to determine whether more substantial impairment testing is required. The Company chose to bypass the preliminary assessment and utilized a two-step process for impairment testing of goodwill. The first step tests for impairment, while the second step, if necessary, measures the impairment. The Company’s goodwill impairment analysis considered three valuation techniques appropriate to the measurement. The first technique uses the Company’s market capitalization as an estimate of fair value, the second technique estimates fair value using current market pricing multiples for companies comparable to NBI, while the third technique uses current market pricing multiples for change-of-control transactions involving companies comparable to NBI. Certain key judgments were used in the valuation measurement. Goodwill is held by the Company’s bank subsidiary. The bank subsidiary is 100% owned by the Company, and no market capitalization is available. Because most of the Company’s assets are comprised of the subsidiary bank’s equity, the Company’s market capitalization was used to estimate the Bank’s market capitalization. Other judgments include the assumption that the companies and transactions used as comparables for the second and third technique were appropriate to the estimate of the Company’s fair value, and that the comparable multiples are appropriate indicators of fair value, and compliant with accounting guidance. Each measure indicated that the Company’s fair value exceeded its book value. No indicators of impairment for goodwill were identified during the years ended December 31, 2015, 2014, and 2013. Acquired intangible assets (such as core deposit intangibles) are recognized separately from goodwill if the benefit of the asset can be sold, transferred, licensed, rented, or exchanged, and amortized over its useful life. The Company amortizes on a straight-line basis intangible assets arising from branch purchase transactions over their useful lives, generally ten to twelve years. Core deposit intangibles are subject to a recoverability test based on undiscounted cash flows, and to the impairment recognition and measurement provisions required for other long-lived assets held and used. The impairment testing showed that the expected cash flows of the intangible assets exceeded the carrying value. Stock-Based Compensation The Company’s 1999 Stock Option Plan terminated on March 9, 2009. Incentive stock options, all of which are now vested, were granted in the early years of the Plan. The Company recognized the cost of employment services received in exchange for awards of equity instruments based on the fair value of those awards on the date of grant. Compensation cost was recognized over the award’s required service period, which was the vesting period. Pension Plan The Company recognizes the overfunded or underfunded status of a defined benefit postretirement plan as an asset or liability in its statement of financial position and recognizes changes in that funded status in the year in which the changes occur through comprehensive income. The funded status of a benefit plan is measured as the difference between plan assets at fair value and the projected benefit obligation. Income Taxes Income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized. The Company recognizes interest and penalties on income taxes as a component of income tax expense. Trust Assets and Income Assets (other than cash deposits) held by the Trust Department in a fiduciary or agency capacity for customers are not included in the consolidated financial statements since such items are not assets of the Company. Trust income is recognized on the accrual basis. Earnings Per Common Share Basic earnings per common share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per common share reflects additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to stock options outstanding during the period and are determined using the treasury stock method. The following shows the weighted average number of shares used in computing earnings per common share and the effect on the weighted average number of shares of dilutive potential common stock. 2015 2014 2013 Average number of common shares outstanding 6,953,849 6,948,789 6,947,974 Effect of dilutive options 3,245 10,345 20,419 Average number of common shares outstanding used to calculate diluted earnings per common share 6,957,094 6,959,134 6,968,393 The computation of diluted net income per common share excludes shares for stock options that would be anti-dilutive. There were no anti-dilutive shares in 2015, 2014 or 2013. Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business are recorded as liabilities when the likelihood of loss is probable and reasonably estimated. Management does not believe there are such matters that will have a material effect on the financial statements. Advertising The Company charges advertising costs to expenses as incurred. In 2015, the Company expensed $105, and expensed $174 and $194 in 2014 and 2013, respectively. Use of Estimates In preparing consolidated financial statements in conformity with accounting principles generally accepted in the United States of America, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheet and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of foreclosed real estate, other-than-temporary impairments of securities, evaluation of impairment of goodwill and other intangibles, and pension obligations. Changing economic conditions, adverse economic prospects for borrowers, as well as regulatory agency action as a result of examination, could cause NBB to recognize additions to the allowance for loan losses and may also affect the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans. Certain reclassifications have been made to prior period balances to conform to the current year provisions. Recent Accounting Pronouncements In June 2014, the FASB issued ASU No. 2014-12, “Compensation – Stock Compensation (Topic 718): Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period.” The new guidance applies to reporting entities that grant employees share-based payments in which the terms of the award allow a performance target to be achieved after the requisite service period. The amendments in the ASU require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. Existing guidance in “Compensation – Stock Compensation (Topic 718),” should be applied to account for these types of awards. The amendments in this ASU are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Early adoption is permitted and reporting entities may choose to apply the amendments in the ASU either on a prospective or retrospective basis. The Company does not expect the adoption of ASU 2014-12 to have a material impact on its consolidated financial statements. In August 2014, the FASB issued ASU No. 2014-15, “Presentation of Financial Statements – Going Concern (Subtopic 205-40): Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern.” This update is intended to provide guidance about management’s responsibility to evaluate whether there is substantial doubt about an entity’s ability to continue as a going concern and to provide related footnote disclosures. Management is required under the new guidance to evaluate whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the entity’s ability to continue as a going concern within one year after the date the financial statements are issued when preparing financial statements for each interim and annual reporting period. If conditions or events are identified, the ASU specifies the process that must be followed by management and also clarifies the timing and content of going concern footnote disclosures in order to reduce diversity in practice. The amendments in this ASU are effective for annual periods and interim periods within those annual periods beginning after December 15, 2016. Early adoption is permitted. The Company does not expect the adoption of ASU 2014-15 to have a material impact on its consolidated financial statements. In November 2014, the FASB issued ASU No. 2014-16, “Derivatives and Hedging (Topic 815): Determining Whether the Host Contract in a Hybrid Financial Instrument Issued in the Form of a Share Is More Akin to Debt or to Equity.” The amendments in ASU do not change the current criteria in U.S. GAAP for determining when separation of certain embedded derivative features in a hybrid financial instrument is required. The amendments clarify how current U.S. GAAP should be interpreted in evaluating the economic characteristics and risks of a host contract in a hybrid financial instrument that is issued in the form of a share. Specifically, the amendments clarify that an entity should consider all relevant terms and features, including the embedded derivative feature being evaluated for bifurcation, in evaluating the nature of the host contract. Furthermore, the amendments clarify that no single term or feature would necessarily determine the economic characteristics and risks of the host contract. Rather, the nature of the host contract depends upon the economic characteristics and risks of the entire hybrid financial instrument. The amendments in this ASU also clarify that, in evaluating the nature of a host contract, an entity should assess the substance of the relevant terms and features (i.e., the relative strength of the debt-like or equity-like terms and features given the facts and circumstances) when considering how to weight those terms and features. The amendments in this ASU are effective for public business entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption, including adoption in an interim period, is permitted. The Company does not expect the adoption of ASU 2014-16 to have a material impact on its consolidated financial statements. In January 2015, the FASB issued ASU No. 2015-01, “Income Statement—Extraordinary and Unusual Items (Subtopic 225-20): Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items.” The amendments in this ASU eliminate from U.S. GAAP the concept of extraordinary items. Subtopic 225-20, Income Statement - Extraordinary and Unusual Items, required that an entity separately classify, present, and disclose extraordinary events and transactions. Presently, an event or transaction is presumed to be an ordinary and usual activity of the reporting entity unless evidence clearly supports its classification as an extraordinary item. If an event or transaction meets the criteria for extraordinary classification, an entity is required to segregate the extraordinary item from the results of ordinary operations and show the item separately in the income statement, net of tax, after income from continuing operations. The entity also is required to disclose applicable income taxes and either present or disclose earnings-per-share data applicable to the extraordinary item. The amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. A reporting entity may apply the amendments prospectively. A reporting entity also may apply the amendments retrospectively to all prior periods presented in the financial statements. Early adoption is permitted provided that the guidance is applied from the beginning of the fiscal year of adoption. The Company does not expect the adoption of ASU 2015-01 to have a material impact on its consolidated financial statements. In February 2015, the FASB issued ASU No. 2015-02, “Consolidation (Topic 810): Amendments to the Consolidation Analysis.” The amendments in this ASU are intended to improve targeted areas of consolidation guidance for legal entities such as limited partnerships, limited liability corporations, and securitization structures (collateralized debt obligations, collateralized loan obligations, and mortgage-backed security transactions). In addition to reducing the number of consolidation models from four to two, the new standard simplifies the FASB Accounting Standards Codification™ and improves current GAAP by placing more emphasis on risk of loss when determining a controlling financial interest, reducing the frequency of the application of related-party guidance when determining a controlling financ

Note 2 - Restriction on Cash

Note 2 - Restriction on Cash	12 Months Ended
	Dec. 31, 2015
Cash and Cash Equivalents [Abstract]
Cash and Cash Equivalents Disclosure [Text Block]	Note 2 : Restriction on Cash The Company’s subsidiary bank is a member of the Federal Reserve System. The Federal Reserve does not require member banks to hold an average balance in order to purchase services from the Federal Reserve.

Note 3 - Securities

Note 3 - Securities	12 Months Ended
	Dec. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 3 : Securities The amortized cost and fair value of securities available for sale, with gross unrealized gains and losses, follows: December 31, 2015 Available for sale: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 216,897 $ 519 $ 4,952 $ 212,464 States and political subdivisions 15,934 541 --- 16,475 Mortgage-backed securities 1,199 120 --- 1,319 Corporate debt securities 6,015 22 291 5,746 Other securities 189 --- 62 127 Total securities available for sale $ 240,234 $ 1,202 $ 5,305 $ 236,131 December 31, 2014 Available for sale: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 197,740 $ 973 $ 4,494 $ 194,219 States and political subdivisions 18,529 851 --- 19,380 Mortgage-backed securities 1,830 184 --- 2,014 Corporate debt securities 6,991 140 27 7,104 Other securities 189 --- 62 127 Total securities available for sale $ 225,279 $ 2,148 $ 4,583 $ 222,844 The amortized cost and fair value of single maturity securities available for sale at December 31, 2015, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Mortgage-backed securities included in these totals are categorized by final maturity at December 31, 2015. December 31, 20 15 Available for sale: Amortized Cost Fair Value Due in one year or less $ 974 $ 992 Due after one year through five years 68,172 68,177 Due after five years through ten years 32,062 31,836 Due after ten years 138,837 134,999 No maturity 189 127 $ 240,234 $ 236,131 The Company holds restricted stock with the Federal Home Loan Bank and the Federal Reserve. Required ownership amounts are determined by the correspondent banks and the Company purchases stock from or sells stock back to the correspondents based on their calculations. The stock is held by member institutions only and is not actively traded. The Company held restricted stock of $1,129 as of December 31, 2015 and $1,089 as of December 31, 2014. The amortized cost and fair value of securities held to maturity, with gross unrealized gains and losses, follows: December 31, 2015 Held to maturity: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 13,909 $ 288 $ 177 $ 14,020 States and political subdivisions 136,373 6,179 330 142,222 Mortgage-backed securities 327 36 --- 363 Corporate debt securities 1,419 10 2 1,427 Total securities held to maturity $ 152,028 $ 6,513 $ 509 $ 158,032 December 31, 20 14 Held to maturity: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 18,922 $ 350 $ 245 $ 19,027 States and political subdivisions 140,702 6,823 727 146,798 Mortgage-backed securities 415 51 --- 466 Corporate debt securities 1,413 1 2 1,412 Total securities held to maturity $ 161,452 $ 7,225 $ 974 $ 167,703 The amortized cost and fair value of single maturity securities held to maturity at December 31, 2015, by contractual maturity, are shown below. Expected maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties. Mortgage-backed securities included in these totals are categorized by final maturity at December 31, 2015. December 31, 20 15 Amortized Fair Due in one year or less $ 1,160 $ 1,168 Due after one year through five years 13,011 13,849 Due after five years through ten years 21,288 22,317 Due after ten years 116,569 120,698 $ 152,028 $ 158,032 Information pertaining to securities with gross unrealized losses at December 31, 2015 and 2014 aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows: December 31, 2015 Less Than 12 Months 12 Months or More Fair Unrealized Fair Unrealized U. S. Government agencies and corporations $ 88,255 $ 1,800 $ 84,959 $ 3,329 State and political subdivisions 3,449 24 10,161 306 Corporate debt securities 4,974 292 200 1 Other securities --- --- 127 62 Total temporarily impaired securities $ 96,678 $ 2,116 $ 95,447 $ 3,698 December 31, 2014 Less Than 12 Months 12 Months or More Fair Unrealized Fair Unrealized U. S. Government agencies and corporations $ 6,964 $ 30 $ 156,149 $ 4,709 State and political subdivisions 1,222 35 19,818 692 Corporate debt securities 450 2 1,948 27 Other securities --- --- 127 62 Total temporarily impaired securities $ 8,636 $ 67 $ 178,042 $ 5,490 The Company had 209 securities with a fair value of $192,125 that were temporarily impaired at December 31, 2015. The total unrealized loss on these securities was $5,814. Of the temporarily impaired total, 106 securities with a fair value of $95,447 and an unrealized loss of $3,698 have been in a continuous loss position for twelve months or more. The Company has determined that these securities are temporarily impaired at December 31, 2015 for the reasons set out below. U.S. Government agencies. States and political subdivisions. Corporate. Other securities. Restricted stock. Management regularly monitors the credit quality of the investment portfolio. Changes in ratings are noted and follow-up research on the issuer is undertaken when warranted. Management intends to carefully monitor any changes in bond quality. At December 31, 2015 and 2014, securities with a carrying value of $156,721 and $157,951, respectively, were pledged to secure municipal deposits and for other purposes as required or permitted by law.

Note 4 - Related Party Transact

Note 4 - Related Party Transactions	12 Months Ended
	Dec. 31, 2015
Related Party Transactions [Abstract]
Related Party Transactions Disclosure [Text Block]	Note 4 : Related Party Transactions In the ordinary course of business, the Company, through its banking subsidiary, has granted loans to related parties, including executive officers and directors of Bankshares and its subsidiaries. Total funded advances extended to related parties amounted to $8,657 at December 31, 2015 and $6,628 at December 31, 2014. During the year ended December 31, 2015, total principal additions were $4,052 and principal payments were $2,023. The Company held $11,275 in deposits for related parties as of December 31, 2015.

Note 5 - Allowance for Loan Los

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans	12 Months Ended
	Dec. 31, 2015
Disclosure Text Block Supplement [Abstract]
Allowance for Credit Losses [Text Block]	Note 5 : Allowance for Loan Losses, Nonperforming Assets and Impaired Loans The allowance for loan losses methodology incorporates individual evaluation of impaired loans and collective evaluation of groups of non-impaired loans. The Company performs ongoing analysis of the loan portfolio to determine credit quality and to identify impaired loans. Credit quality is rated based on the loan’s payment history, the borrower’s current financial situation and value of the underlying collateral. Impaired loans are those loans that have been modified in a troubled debt restructure (“TDR” or “restructure”) and larger, non-homogeneous loans that are in nonaccrual or exhibit payment history or financial status that indicate the probability that collection will not occur when due according to the loan’s terms. Generally, impaired loans are given risk ratings that indicate higher risk, such as “classified” or “other assets especially mentioned.” Impaired loans are individually evaluated to determine appropriate reserves and are measured at the lower of the invested amount or the fair value. Impaired loans that are not troubled debt restructures and for which fair value measurement indicates an impairment loss are designated nonaccrual. A restructured loan that maintains current status for at least six months may be in accrual status. Troubled debt restructurings impact the estimation of the appropriate level of the allowance for loan losses. If the restructuring included forgiveness of a portion of principal or accrued interest, the charge-off is included in the historical charge-off rates applied to the collective evaluation methodology. Further, restructured loans are individually evaluated for impairment, with amounts below fair value accrued in the allowance for loan losses. TDRs that experience a payment default are examined to determine whether the default indicates collateral dependency or cash flows below those that were included in the fair value measurement. TDRs, as well as all impaired loans, that are determined to be collateral dependent are charged down to fair value. Deficiencies indicated by impairment measurements for TDRs that are not collateral dependent may be accrued in the allowance for loan losses or charged off if deemed uncollectible. The Company evaluated characteristics in the loan portfolio and determined major segments and smaller classes within each segment. These characteristics include collateral type, repayment sources, and (if applicable) the borrower’s business model. The methodology for calculating reserves for collectively-evaluated loans is applied at the class level. Portfolio Segments and Classes The segments and classes used in determining the allowance for loan losses, beginning in 2013 are as follows. Real Estate Construction Commercial Non Real Estate Construction, residential Commercial and Industrial Construction, other Public Sector and IDA Consumer Real Estate Public sector and IDA Equity lines Residential closed-end first liens Consumer Non Real Estate Residential closed-end junior liens Credit cards Investor-owned residential real estate Automobile Other consumer loans Commercial Real Estate Multifamily real estate Commercial real estate, owner-occupied Commercial real estate, other Historical Loss Rates The Company’s allowance methodology for collectively-evaluated loans applies historical loss rates by class to current class balances as part of the process of determining required reserves. Class loss rates are calculated as the net charge-offs for the class as a percentage of average class balance. The Company averages loss rates for the most recent 8 quarters to determine the historical loss rate for each class. Two loss rates for each class are calculated: total net charge-offs for the class as a percentage of average class loan balance (“class loss rate”), and total net charge-offs for the class as a percentage of average classified loans in the class (“classified loss rate”). Classified loans are those with risk ratings of “substandard” or lower. Net charge-offs in both calculations include charge-offs and recoveries of classified and non-classified loans as well as those associated with impaired loans. Class historical loss rates are applied to non-classified loan balances at the reporting date, and classified historical loss rates are applied to classified balances at the reporting date. Risk Factors In addition to historical loss rates, risk factors pertinent to credit risk for each class are analyzed to estimate reserves for collectively-evaluated loans. Factors include changes in national and local economic and business conditions, the nature and volume of classes within the portfolio, loan quality, loan officers’ experience, lending policies and the Company’s loan review system. The analysis of certain factors results in standard allocations to all segments and classes. These factors include loan officers’ average years of experience, the risk from changes in loan review, unemployment levels, bankruptcy rates, interest rate environment, and competition. Factors analyzed for each class, with resultant allocations based upon the level of risk assessed for each class, include the risk from changes in lending policies, levels of past due loans, nonaccrual loans, current class balance as a percentage of total loans, and the percentage of high risk loans within the class. Additionally, factors specific to each segment are analyzed and result in allocations to the segment. Please refer to Note 1: Summary of Significant Accounting Policies for a discussion of risk factors pertinent to each class. Real estate construction loans are subject to general risks from changing commercial building and housing market trends and economic conditions that may impact demand for completed properties and the costs of completion. These risks are measured by market-area unemployment rates, bankruptcy rates, housing and commercial building market trends, and interest rates. The credit quality of consumer real estate is subject to risks associated with the borrower’s repayment ability and collateral value, measured generally by analyzing local unemployment and bankruptcy trends, local housing market trends, and interest rates. The commercial real estate segment includes loans secured by multifamily residential real estate, commercial real estate occupied by the owner/borrower, and commercial real estate leased to non-owners. Loans in the commercial real estate segment are impacted by economic risks from changing commercial real estate markets, rental markets for multi-family housing and commercial buildings, business bankruptcy rates, local unemployment and interest rate trends that would impact the businesses housed by the commercial real estate. Commercial non real estate loans are secured by collateral other than real estate, or are unsecured. Credit risk for commercial non real estate loans is subject to economic conditions, generally monitored by local business bankruptcy trends, and interest rates. Public sector and IDA loans are extended to municipalities and related entities. Credit risk is based upon the entity’s ability to repay and interest rate trends. Consumer non real estate includes credit cards, automobile and other consumer loans. Credit cards and certain other consumer loans are unsecured, while collateral is obtained for automobile loans and other consumer loans. Credit risk stems primarily from the borrower’s ability to repay, measured by average unemployment, average personal bankruptcy rates and interest rates. Factor allocations applied to each class are increased for loans rated special mention and increased to a greater extent for loans rated classified. The Company allocates additional reserves for “high risk” loans. High risk loans include junior liens, interest only and high loan to value loans. A detailed analysis showing the allowance roll-forward by portfolio segment and related loan balance by segment follows: Years ended December 31, 2015 2014 2013 Balance at beginning of year $ 8,263 $ 8,227 $ 8,349 Loans charged off (2,120 ) (1,860 ) (1,820 ) Recoveries of loans previously charged off 145 255 167 Provision for loan losses 2,009 1,641 1,531 Balance at end of year $ 8,297 $ 8,263 $ 8,227 A detailed analysis showing the allowance roll-forward by portfolio segment and related loan balance by segment follows: Activity in th e Allowance for Loan Losses by S egment for the year ended December 31 , 201 5 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Balance, December 31, 2014 $ 612 $ 1,662 $ 3,537 $ 1,475 $ 327 $ 602 $ 48 $ 8,263 Charge-offs --- (205 ) (1,114 ) (490 ) --- (311 ) --- (2,120 ) Recoveries --- 2 49 1 --- 93 --- 145 Provision for loan losses (36 ) 407 1,637 (331 ) 109 243 (20 ) 2,009 Balance, December 31, 2015 $ 576 $ 1,866 $ 4,109 $ 655 $ 436 $ 627 $ 28 $ 8,297 Activity in th e Allowance for Loan Losses by S egment for the year ended December 31 , 201 4 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Balance, December 31, 2013 $ 863 $ 1,697 $ 3,685 $ 989 $ 132 $ 576 $ 285 $ 8,227 Charge-offs (2 ) (222 ) (1,201 ) (89 ) --- (346 ) --- (1,860 ) Recoveries --- --- 50 132 --- 73 --- 255 Provision for loan losses (249 ) 187 1,003 443 195 299 (237 ) 1,641 Balance, December 31, 2014 $ 612 $ 1,662 $ 3,537 $ 1,475 $ 327 $ 602 $ 48 $ 8,263 Activity in th e Allowance for Loan Losses by S egment for the year ended December 31 , 201 3 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Balance, December 31, 2012 $ 1,070 $ 2,263 $ 3,442 $ 959 $ 142 $ 424 $ 49 $ 8,349 Charge-offs (184 ) (256 ) (64 ) (968 ) --- (348 ) --- (1,820 ) Recoveries 44 1 25 18 --- 79 --- 167 Provision for loan losses (67 ) (311 ) 282 980 (10 ) 421 236 1,531 Balance, December 31, 2013 $ 863 $ 1,697 $ 3,685 $ 989 $ 132 $ 576 $ 285 $ 8,227 Allowance for Loan Losses by Segment and Evaluation Method as of December 31, 2015 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Individually evaluated for impairment $ --- $ 22 $ 23 $ --- $ --- $ --- $ --- $ 45 Collectively evaluated for impairment 576 1,844 4,086 655 436 627 28 8,252 Total $ 576 $ 1,866 $ 4,109 $ 655 $ 436 $ 627 $ 28 $ 8,297 Loans by Segment and Evaluation Method as of December 31, 2015 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Individually evaluated for impairment $ 718 $ 962 $ 12,575 $ 1,091 $ --- $ --- $ --- $ 15,346 Collectively evaluated for impairment 47,533 142,542 296,803 36,480 51,335 29,845 --- 604,538 Total $ 48,251 $ 143,504 $ 309,378 $ 37,571 $ 51,335 $ 29,845 $ --- $ 619,884 Allowance for Loan Losses by Segment and Evaluation Method as of December 31, 2014 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Individually evaluated for impairment $ --- $ 14 $ 258 $ 10 $ --- $ --- $ --- $ 282 Collectively evaluated for impairment 612 1,648 3,279 1,465 327 602 48 7,981 Total $ 612 $ 1,662 $ 3,537 $ 1,475 $ 327 $ 602 $ 48 $ 8,263 Loans by Segment and Evaluation Method as of December 31, 2014 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Individually evaluated for impairment $ --- $ 819 $ 13,624 $ 678 $ --- $ --- $ --- $ 15,121 Collectively evaluated for impairment 45,562 146,220 297,138 32,735 41,361 28,182 --- 591,198 Total $ 45,562 $ 147,039 $ 310,762 $ 33,413 $ 41,361 $ 28,182 $ --- $ 606,319 A summary of ratios for the allowance for loan losses follows: December 31, 2015 2014 Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees 1.34 % 1.36 % Ratio of net charge-offs to average loans, net of unearned income and deferred fees 0.32 % 0.27 % A summary of nonperforming assets follows: December 31, 2015 2014 Nonperforming assets: Nonaccrual loans $ 2,043 $ 3,999 Restructured loans in nonaccrual 4,639 5,288 Total nonperforming loans 6,682 9,287 Other real estate owned, net 4,165 4,744 Total nonperforming assets $ 10,847 $ 14,031 Ratio of nonperforming assets to loans, net of unearned income and deferred fees, plus other real estate owned 1.74 % 2.30 % Ratio of allowance for loan losses to nonperforming loans ( 1 ) 124.17 % 88.97 % (1) A summary of loans past due 90 days or more and impaired loans follows: December 31, 2015 2014 Loans past due 90 days or more and still accruing $ 156 $ 207 Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees 0.03 % 0.03 % Accruing restructured loans $ 8,814 $ 6,040 Impaired loans: Impaired loans with no valuation allowance $ 12,973 $ 7,615 Impaired loans with a valuation allowance 2,373 7,506 Total impaired loans 15,346 15,121 Valuation allowance (45 ) (282 ) Impaired loans, net of allowance $ 15,301 $ 14,839 Average recorded investment in impaired loans (1) $ 17,297 $ 16,311 Income recognized on impaired loans, after designation as impaired $ 769 $ 473 Amount of income recognized on a cash basis $ --- $ --- (1) No interest income was recognized on nonaccrual loans for the years ended December 31, 2015, 2014 or 2013. Nonaccrual loans that meet the Company’s balance thresholds are designated as impaired. A detailed analysis of investment in impaired loans, associated reserves and interest income recognized, by loan class follows: Impaired Loans as of December 31, 2015 Principal Balance (A) Total Recorded Investment (1) Recorded Investment (1) for Which There is No Related Allowance Recorded Investment (1) (A) for Which There is a Related Allowance Related Allowance Real Estate Construction (2) Construction 1-4 family residential $ 718 $ 718 $ 718 $ --- $ --- Co nsumer Real Estate (2) Residential closed-end first liens 713 669 305 364 13 Residential closed-end junior liens 218 218 --- 218 5 Investor-owned residential real estate 75 75 --- 75 4 Commercial Real Estate (2) Multifamily real estate 1,988 1,728 1,728 --- --- Commercial real estate, owner occupied 5,068 5,020 3,304 1,716 23 Commercial real estate, other 5,990 5,827 5,827 --- --- Commercial Non Real Estate (2) Commercial and Industrial 1,099 1,091 1,091 --- --- Total $ 15,869 $ 15,346 $ 12,973 $ 2,373 $ 45 Impaired Loans as of December 31, 2014 Principal Balance (A) Total Recorded Investment (1) Recorded Investment (1) for Which There is No Related Allowance Recorded Investment (1) (A) for Which There is a Related Allowance Related Allowance Co nsumer Real Estate (2) Residential closed-end first liens $ 530 $ 503 $ 311 $ 192 $ 2 Residential closed-end junior liens 239 239 --- 239 8 Investor-owned residential real estate 77 77 --- 77 4 Commercial Real Estate (2) Multifamily real estate 2,911 2,735 868 1,866 170 Commercial real estate, owner occupied 4,919 4,821 3,314 1,508 74 Commercial real estate, other 6,080 6,068 3,072 2,996 14 Commercial Non Real Estate (2) Commercial and Industrial 678 678 50 628 10 Total $ 15,434 $ 15,121 $ 7,615 $ 7,506 $ 282 (1) Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. (2) Only classes with impaired loans are shown. Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2015 Average Recorded Investment (1) Interest Income Recognized Real Estate Construction (2) Construction 1-4 family residential $ 612 $ 23 Consumer Real Estate (2) Residential closed-end first liens 681 43 Residential closed-end junior liens 228 15 Investor-owned residential real estate 76 5 Commercial Real Estate (2) Multifamily real estate 2,581 84 Commercial real estate, owner occupied 6,141 251 Commercial real estate, other 5,888 308 Commercial Non Real Estate (2) Commercial and Industrial 1,090 40 Total $ 17,297 $ 769 (1) Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. (2) Only classes with impaired loans are shown. Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2014 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate (2) Residential closed-end first liens $ 555 $ 31 Residential closed-end junior liens 249 16 Investor-owned residential real estate 77 5 Commercial Real Estate (2) Multifamily real estate 2,773 --- Commercial real estate, owner occupied 5,836 203 Commercial real estate, other 6,114 175 Commercial Non Real Estate (2) Commercial and Industrial 707 43 Total $ 16,311 $ 473 (1) Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. (2) Only classes with impaired loans are shown. Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2013 Average Recorded Investment (1) Interest Income Recognized Real Estate Construction (2) Construction, residential $ 40 $ --- Construction, other 2,885 --- Consumer Real Estate (2) Residential closed-end first liens 364 3 Residential closed-end junior liens 280 9 Investor-owned residential real estate 131 6 Commercial Real Estate (2) Multifamily real estate 4,172 --- Commercial real estate, owner occupied 5,265 136 Commercial real estate, other 3,369 110 Commercial Non Real Estate (2) Commercial and Industrial 117 3 Consumer Non Real Estate (2) Automobile 31 --- Total $ 16,654 $ 267 (1) Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. (2) Only classes with impaired loans are shown. An analysis of past due and nonaccrual loans follows: December 31, 2015 30 – 89 Days Past Due 90 or M ore Days Past Due 90 or More Days Past Due and Still Accruing Nonaccruals (Including Impaired Nonaccruals) Real Estate Construction Construction, residential $ --- $ --- $ --- $ 718 Construction, other 26 --- --- --- Consumer Real Estate Equity lines 16 --- --- --- Residential closed-end first liens 1,402 106 106 14 Residential closed-end junior liens 123 39 39 --- Investor-owned residential real estate 248 --- --- --- Commercial Real Estate Multifamily real estate 684 1,728 --- 1,728 Commercial real estate, owner occupied --- 357 --- 494 Commercial real estate, other --- --- --- 2,845 Commercial Non Real Estate Commercial and Industrial 142 883 --- 883 Public Sector and IDA Public sector and IDA --- --- --- --- Consumer Non Real Estate Credit cards 5 6 6 --- Automobile 286 5 5 --- Other consumer loans 60 --- --- --- Total $ 2,992 $ 3,124 $ 156 $ 6,682 December 31, 2014 30 – 89 Days Past Due 90 or M ore Days Past Due 90 or More Days Past Due and Still Accruing Nonaccruals (Including Impaired Nonaccruals) Real Estate Construction Construction, residential $ --- $ --- $ --- $ --- Construction, other 28 --- --- --- Consumer Real Estate Equity lines 25 --- --- --- Residential closed-end first liens 719 185 80 105 Residential closed-end junior liens 74 1 1 --- Investor-owned residential real estate 336 45 --- 59 Commercial Real Estate Multifamily real estate 850 868 --- 2,735 Commercial real estate, owner occupied --- 1,066 102 2,573 Commercial real estate, other --- 70 --- 3,066 Commercial Non Real Estate Commercial and Industrial 153 43 --- 749 Public Sector and IDA Public sector and IDA --- --- --- --- Consumer Non Real Estate Credit cards 3 4 4 --- Automobile 205 20 20 --- Other consumer loans 54 --- --- --- Total $ 2,447 $ 2,302 $ 207 $ 9,287 The estimate of credit risk for non-impaired loans is obtained by applying allocations for internal and external factors. The allocations are increased for loans that exhibit greater credit quality risk. Credit quality indicators, which the Company terms risk grades, are assigned through the Company’s credit review function for larger loans and selective review of loans that fall below credit review thresholds. Loans that do not indicate heightened risk are graded as “pass.” Loans that appear to have elevated credit risk because of frequent or persistent past due status, which is less than 75 days, or that show weakness in the borrower’s financial condition are risk graded “special mention.” Loans with frequent or persistent delinquency exceeding 75 days or that have a higher level of weakness in the borrower’s financial condition are graded “classified.” Classified loans have regulatory risk ratings of “substandard” and “doubtful.” Allocations are increased by 50% and by 100% for loans with grades of “special mention” and “classified,” respectively. Determination of risk grades was completed for the portfolio as of December 31, 2015, 2014 and 2013. The following displays non-impaired gross loans by credit quality indicator: December 31, 201 5 Pass Special Mention (Excluding Impaired) Classified (Excluding Impaired) Real Estate Construction Construction, 1-4 family residential $ 10,626 $ 3,694 $ --- Construction, other 33,213 --- --- Consumer Real Estate Equity lines 16,236 15 87 Closed-end first liens 78,614 708 1,370 Closed-end junior liens 4,983 55 61 Investor-owned residential real estate 39,616 31 766 Commercial Real Estate Multifamily residential real estate 77,060 --- 1,804 Commercial real estate owner-occupied 121,741 1,165 1,274 Commercial real estate, other 93,701 58 --- Commercial Non Real Estate Commercial and Industrial 35,652 285 543 Public Sector and IDA States and political subdivisions 51,335 --- --- Consumer Non Real Estate Credit cards 5,773 --- --- Automobile 12,414 102 138 Other consumer 11,359 31 28 Total $ 592,323 $ 6,144 $ 6,071 December 31, 201 4 Pass Special Mention (Excluding Impaired) Classified (Excluding Impaired) Real Estate Construction Construction, 1-4 family residential $ 14,222 $ --- $ 2,265 Construction, other 29,047 --- 28 Consumer Real Estate Equity lines 15,861 59 60 Closed-end first liens 78,806 1,566 1,412 Closed-end junior liens 4,258 21 95 Investor-owned residential real estate 42,781 688 614 Commercial Real Estate Multifamily residential real estate 73,611 1,397 850 Commercial real estate owner-occupied 125,643 202 2,855 Commercial real estate, other 90,821 1,177 582 Commercial Non Real Estate Commercial and Industrial 31,247 97 1,390 Public Sector and IDA States and political subdivisions 41,361 --- --- Consumer Non Real Estate Credit cards 5,705 --- --- Automobile 11,505 93 128 Other consumer 10,745 --- 6 Total $ 575,613 $ 5,300 $ 10,285 Sales, Purchases and Reclassification of Loans The Company finances mortgages under “best efforts” contracts with mortgage purchasers. The mortgages are designated as held for sale upon initiation. There have been no major reclassifications from portfolio loans to held for sale. Occasionally, the Company purchases or sells participations in loans. All participation loans purchased met the Company’s normal underwriting standards at the time the participation was entered. Participation loans are included in the appropriate portfolio balances to which the allowance methodology is applied. Troubled Debt Restructurings From time to time the Company modifies loans in troubled debt restructurings (“TDRs”). The following tables present restructurings by class that occurred during the years ended December 31, 2015 and 2014. Note: Only classes with restructured loans are presented. Restructurings that occurred during the year ended December 31, 201 5 Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment (1) Real Estate Construction Construction, 1-4 family residential 2 $ 718 $ 718 Commercial Real Estate Commercial real estate owner-occupied 3 2,710 2,623 Commercial N on R eal E state Commercial and industrial 1 200 200 Total 6 $ 3,628 $ 3,541 (1) Post-modification outstanding recorded investment considers amounts immediately following the modification. Amounts do not reflect balances at the end of the period. During the twelve-month period ended December 31, 2015, the Company modified six loans in troubled debt restructurings in order to provide payment relief. One commercial real estate owner-occupied loan was restructured to forgive principal of $100, reduce the interest rate, capitalize interest and re-amortize payments. The fair value measurement of the restructured loan as of December 31, 2015 resulted in no specific allocation to the allowance for loan losses. Two commercial real estate owner-occupied loans were modified during the fourth quarter of 2015 to require payments of interest only. As of December 31, 2015, the impairment analysis determined a combined allocation to the allowance for loan losses of $23. Two construction loans were modified during the fourth quarter of 2015 to become non-revolving and require payments of interest only. The fair value measurement of the restructured loans as of December 31, 2015 resulted in no specific allocation to the allowance for loan losses. One commercial loan was restructured during the fourth quarter of 2015 to extend the maturity date. The fair value measurement of the restructured loan as of December 31, 2015 resulted in no specific allocation to the allowance for loan losses. Restructurings that occurred during the year ended December 31, 201 4 Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment (1) Consumer Real Estate Closed-end first liens 1 $ 126 $ 143 Commercial Real Estate Multifamily residential real estate 1 2,484 2,484 Commercial real estate owner-occupied 1 184 208 Commercial real estate non owner-occupied 2 2,967 3,008 Total 5 $ 5,761 $ 5,843 (1) Post-modification outstanding recorded investment considers amounts immediately following the modification. Amounts do not reflect balances at the end of the period. During the year ended December 31, 2014, the Company modified five loans in troubled debt restructurings. Each restructuring provided payment relief to the borrower without forgiveness of principal or accrued interest. Each restructuring included a reduction in interest rates. Interest was capitalized at time of restructuring on the residential real estate loan, commercial real estate owner occupied loan, and the two commercial real estate non-owner occupied loans. The multifamily real estate loan, commercial real estate owner occupied loan and residential real estate loan received re-amortization of payments over a longer term. Two commercial real estate non owner occupied loans received a change in payment structure from amortizing to one year of interest-only payments. Each of the loans restructured in 2014 are designated nonaccrual, with the exception of the residential real estate loan which met the criteria for accrual status. The fair value measurements of the restructured loans as of December 31, 2014 resulted in specific allocations to the allowance for loan losses totaling $206. Of the Company’s TDR’s that defaulted in 2015 and 2014, none were modified within 12 months prior to default. The company defines default as one or more payments that occur more than 90 days past the due date, charge-off or foreclosure subsequent to modification.

Note 6 - Premises and Equipment

Note 6 - Premises and Equipment	12 Months Ended
	Dec. 31, 2015
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment Disclosure [Text Block]	Note 6 : Premises and Equipment A summary of the cost and accumulated depreciation of premises and equipment follows: December 31, 2015 2014 Premises $ 13,097 $ 13,338 Furniture and equipment 6,600 10,707 Premises and equipment $ 19,697 $ 24,045 Accumulated depreciation (10,677 ) (14,914 ) Premises and equipment, net $ 9,020 $ 9,131 Depreciation expense for the years ended December 2015, 2014 and 2013 amounted to $749, $732 and $726, respectively. The Company leases certain branch facilities under noncancellable operating leases. The future minimum lease payments under these leases (with initial or remaining lease terms in excess of one year) as of December 31, 2015 are as follows: $266 in 2016, $244 in 2017, $244 in 2018, $196 in 2019, and $22 thereafter.

Note 7 - Deposits

Note 7 - Deposits	12 Months Ended
	Dec. 31, 2015
Disclosure Text Block [Abstract]
Deposit Liabilities Disclosures [Text Block]	Note 7 : Deposits The aggregate amounts of time deposits in denominations of $250 or more at December 31, 2015 and 2014 were $21,072 and $23,188, respectively. At December 31, 2015 the scheduled maturities of time deposits are as follows: 2016 112,071 2017 43,771 2018 20,290 2019 7,257 2020 8,994 Thereafter --- $ 192,383 At December 31, 2015 and 2014, overdraft demand deposits reclassified to loans totaled $307 and $367, respectively.

Note 8 - Employee Benefit Plans

Note 8 - Employee Benefit Plans	12 Months Ended
	Dec. 31, 2015
Compensation and Retirement Disclosure [Abstract]
Pension and Other Postretirement Benefits Disclosure [Text Block]	Note 8 : Employee Benefit Plans 401(k) Plan The Company has a Retirement Accumulation Plan qualifying under IRS Code Section 401(k), in which NBI, NBB and NBFS are participating employers. Eligible participants may contribute up to 100% of their total annual compensation to the plan, subject to certain limits based on federal tax laws. Employee contributions are matched by the employer based on a percentage of an employee’s total annual compensation contributed to the plan. For the years ended December 31, 2015, 2014 and 2013, the Company contributed $294, $273 and $282, respectively, to the plan. Employee Stock Ownership Plan The Company has a nonleveraged Employee Stock Ownership Plan (ESOP) which enables employees of NBI and its subsidiaries who have one year of service and who have attained the age of 21 prior to the plan’s January 1 and July 1 enrollment dates to own NBI common stock. Contributions to the ESOP, which are not mandatory, are determined annually by the Board of Directors. Contribution expense amounted to $200, $100 and $275 in the years ended December 31, 2015, 2014 and 2013, respectively. Dividends on ESOP shares are charged to retained earnings. As of December 31, 2015, the number of shares held by the ESOP was 240,874. All shares held by the ESOP are treated as outstanding in computing the Company’s basic net income per share. Upon reaching age 55 with ten years of plan participation, a vested participant has the right to diversify 50% of his or her allocated ESOP shares and NBI or the ESOP, with the agreement of the Trustee, is obligated to purchase those shares. The ESOP contains a put option which allows a withdrawing participant to require the Company or the ESOP, if the plan administrator agrees, to purchase his or her allocated shares if the shares are not readily tradable on an established market at the time of distribution. Salary Continuation Plan The Company has a Salary Continuation Plan for certain key officers. The plan provides the participating officers with supplemental retirement income, payable for the greater of 15 years after retirement or the officer’s lifetime. The expense accrued for the plans in 2015, 2014, and 2013, based on the present value of the retirement benefits, amounted to $396, $246, and $194, respectively. The plan is unfunded. However bank-owned life insurance has been acquired on the life of the key employees in amounts sufficient to discharge the obligations of the agreement. Defined Benefit Plan The Company’s defined benefit pension plan covers substantially all employees. The plan benefit formula is based upon the length of service of retired employees and a percentage of qualified W-2 compensation during their final years of employment. Information pertaining to activity in the plan is as follows: December 31, 2015 2014 2013 Change in benefit obligation Projected benefit obligation at beginning of year $ 19,324 $ 17,185 $ 18,054 Service cost 620 524 596 Interest cost 669 663 617 Actuarial (gain) loss 798 1,674 (1,149 ) Benefits paid (984 ) (722 ) (933 ) Projected benefit obligation at end of year $ 20,427 $ 19,324 $ 17,185 Change in plan assets Fair value of plan assets at beginning of year $ 17,130 $ 16,605 $ 14,325 Actual return on plan assets (155 ) 884 2,225 Employer contribution 140 363 988 Benefits paid (984 ) (722 ) (933 ) Fair value of plan assets at end of year $ 16,131 $ 17,130 $ 16,605 Funded status at the end of the year $ (4,296 ) $ (2,194 ) $ (580 ) Amounts recognized in the Consolidated Balance Sheet Deferred tax asset $ 1,504 $ 768 $ 203 Other liabilities (4,296 ) (2,194 ) (580 ) Total amounts recognized in the Consolidated Balance Sheet $ (2,792 ) $ (1,426 ) $ (377 ) Amounts recognized in acc umulated other comprehensive (loss), net Net loss $ (8,627 ) $ (6,922 ) $ (5,282 ) Prior service cost 559 669 779 Deferred tax asset 2,798 2,163 1,550 Amount recognized $ (5,270 ) $ (4,090 ) $ (2,953 ) Accrued/Prepaid benefit cost, net Benefit obligation $ (20,427 ) $ (19,324 ) $ (17,185 ) Fair value of assets 16,131 17,130 16,605 Unrecognized net actuarial loss 8,627 6,922 5,282 Unrecognized prior service cost (559 ) (669 ) (779 ) Deferred tax liability (1,294 ) (1,395 ) (1,347 ) Prepaid benefit cost included in other liabilities $ 2,478 $ 2,664 $ 2,576 Components of net periodic benefit cost Service cost $ 620 $ 524 $ 596 Interest cost 669 663 617 Expected return on plan assets (1,166 ) (1,112 ) (984 ) Amortization of prior service cost (110 ) (110 ) (101 ) Recognized net actuarial loss 414 262 532 Net periodic benefit cost $ 427 $ 227 $ 660 Other changes in plan assets and benefit obligations recognized in other comprehensive loss Net (gain) loss $ 1,705 $ 1,640 $ (2,921 ) Amortization of prior service cost 110 110 101 Deferred income tax expense (benefit) (635 ) (612 ) 987 Total recognized $ 1,180 $ 1,138 $ (1,833 ) Total recognized in net periodic benefit cost and other comprehensive loss $ 2,242 $ 1,977 $ (2,160 ) Weighted average assumptions at end of the year Discount rate used for net periodic pension cost 3.75 % 4.50 % 3.75 % Discount rate used for disclosure 4.00 % 3.75 % 4.50 % Expected return on plan assets 7.50 % 7.50 % 7.50 % Rate of compensation increase 3.00 % 3.00 % 3.00 % Long Term Rate of Return The Company, as plan sponsor, selects the expected long-term rate-of-return-on-assets assumption in consultation with its investment advisors and actuary. This rate is intended to reflect the average rate of earnings expected to be earned on the funds invested or to be invested to provide plan benefits. Historical performance is reviewed, especially with respect to real rates of return (net of inflation), for the major asset classes held or anticipated to be held by the trust, and for the trust itself. Undue weight is not given to recent experience, which may not continue over the measurement period, but higher significance is placed on current forecasts of future long-term economic conditions. Because assets are held in a qualified trust, anticipated returns are not reduced for taxes. Further, and solely for this purpose, the plan is assumed to continue in force and not terminate during the period during which assets are invested. However, consideration is given to the potential impact of current and future investment policy, cash flow into and out of the trust, and expenses (both investment and non-investment) typically paid from plan assets (to the extent such expenses are not explicitly estimated within periodic cost). The Company, as plan sponsor, has adopted a Pension Administrative Committee Policy (the Policy) for monitoring the investment management of its qualified plans. The Policy includes a statement of general investment principles and a listing of specific investment guidelines, to which the committee may make documented exceptions. The guidelines state that, unless otherwise indicated, all investments that are permitted under the Prudent Investor Rule shall be permissible investments for the defined benefit pension plan. All plan assets are to be invested in marketable securities. Certain investments are prohibited, including commodities and future contracts, private placements, repurchase agreements, options and derivatives. The Policy establishes quality standards for fixed income investments and mutual funds included in the pension plan trust. The Policy also outlines diversification standards. The preferred target allocation for the assets of the defined benefit pension plan is 65% in equity securities and 35% in fixed income securities. Equity securities include investments in large-cap and mid-cap companies primarily located in the United States, although a small number of international large-cap companies are included. There are also investments in mutual funds holding the equities of large-cap and mid-cap U.S. companies. Fixed income securities include U.S. government agency securities and corporate bonds from companies representing diversified industries. There are no investments in hedge funds, private equity funds or real estate. Fair value measurements of the pension plan’s assets at December 31, 2015 follow: Fair Value Measurements at December 31, 20 15 Asset Category Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Cash $ 876 $ 876 $ --- $ --- Equity securities: U. S. companies 9,600 9,600 --- --- International companies 404 404 --- --- Equities mutual funds (1) 195 195 --- --- U. S. government agencies and corporations 104 --- 104 --- State and political subdivisions 233 --- 233 --- Corporate bonds – investment grade (2) 4,719 --- 4,719 --- Total pension plan assets $ 16,131 $ 11,075 $ 5,056 $ --- (1) This category comprises actively managed equity funds invested in large-cap and mid-cap U.S. companies. (2) This category represents investment grade bonds of U.S. issuers from diverse industries. Fair Value Measurements at December 31, 20 14 Asset Category Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Cash $ 737 $ 737 $ --- $ --- Equity securities: U. S. companies 8,729 8,729 --- --- International companies 274 274 --- --- Equities mutual funds (1) 1,861 1,861 --- --- U. S. government agencies and corporations 107 --- 107 --- State and political subdivisions 365 --- 365 --- Corporate bonds – investment grade (2) 5,057 --- 5,057 --- Total pension plan assets $ 17,130 $ 11,601 $ 5,529 $ --- (1) This category comprises actively managed equity funds invested in large-cap and mid-cap U.S. companies. (2) This category represents investment grade bonds of U.S. issuers from diverse industries. Estimated future benefit payments, which reflect expected future service, as appropriate, are as follows: 2016 $ 3,737 2017 $ 2,118 2018 $ 1,117 2019 $ 814 2020 $ 1,386 2021 - 2025 $ 3,883

Note 9 - Stock Option Plan

Note 9 - Stock Option Plan	12 Months Ended
	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	Note 9 : Stock Option Plan The Company’s 1999 Stock Option Plan was adopted in 1999 and was terminated on March 9, 2009. Incentive stock options were granted annually to key employees of NBI and its subsidiaries from 1999 to 2005 and none have been granted since 2005. All of the stock options are vested. A summary of the status of the Company’s stock option plan is presented below: Weighted- Outstanding at January 1, 2015 20,500 $ 23.00 Granted --- --- Exercised (7,500 ) 23.00 Forfeited or expired (13,000 ) 23.00 Outstanding at December 31, 2015 --- $ --- --- $ --- Exercisable at December 31, 2015 --- $ --- --- $ --- In 2015, there were 7,500 shares exercised with an intrinsic value of $54. In 2014, there were 2,500 shares exercised with an intrinsic value of $15. There were no shares exercised in 2013. Intrinsic value is the difference between the price at which the shares may be exercised and the stock price as of the report date. No tax benefit was recognized on shares exercised in any of these years.

Note 10 - Income Taxes

Note 10 - Income Taxes	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Income Tax Disclosure [Text Block]	Note 10 : Income Taxes The Company files United States federal income tax returns, and Virginia, West Virginia and North Carolina state income tax returns. With few exceptions, the Company is no longer subject to U.S. federal, state and local income tax examinations by tax authorities for years prior to 2012. Allocation of income tax expense between current and deferred portions is as follows: Years ended December 31, 2015 2014 2013 Current $ 4,730 $ 5,105 $ 5,253 Deferred expense 10 73 64 Total income tax expense $ 4,740 $ 5,178 $ 5,317 The following is a reconciliation of the “expected” income tax expense, computed by applying the U.S. Federal income tax rate of 35% to income before income tax expense, with the reported income tax expense: Years ended December 31, 2015 2014 2013 Computed “expected” income tax expense $ 7,201 $ 7,732 $ 8,087 Tax-exempt interest income (2,381 ) (2,422 ) (2,592 ) Nondeductible interest expense 101 102 118 Other, net (181 ) (234 ) (296 ) Reported income tax expense $ 4,740 $ 5,178 $ 5,317 The components of net deferred tax assets, included in other assets, are as follows: December 31, 2015 2014 Deferred tax assets: Allowance for loan losses and unearned fee income $ 3,229 $ 3,098 Valuation allowance on other real estate owned 188 37 Deferred compensation and other liabilities 2,829 1,897 Discount accretion of securities 19 28 Net unrealized loss on securities available for sale 1,436 852 Total deferred tax assets $ 7,701 $ 5,912 Deferred tax liabilities: Fixed assets $ (620 ) $ (160 ) Deposit intangibles (1,432 ) (1,312 ) Total deferred tax liabilities (2,052 ) (1,472 ) Net deferred tax assets $ 5,649 $ 4,440 The Company has determined that a valuation allowance for the gross deferred tax assets is not necessary at December 31, 2015 and 2014 because the realization of all gross deferred tax assets can be supported by the amount of taxes paid during the carryback period available under current tax laws.

Note 11 - Restrictions on Divid

Note 11 - Restrictions on Dividends	12 Months Ended
	Dec. 31, 2015
Disclosure of Restrictions on Dividends, Loans and Advances Disclosure [Abstract]
Restrictions on Dividends, Loans and Advances [Text Block]	Note 11 : Restrictions on Dividends The Company’s principal source of funds for dividend payments is dividends received from its subsidiary bank. For the years ended December 31, 2015, 2014 and 2013, dividends received from the subsidiary bank were $7,930, $7,853 and $7,782, respectively. Substantially all of Bankshares’ retained earnings are undistributed earnings of its sole banking subsidiary, which are restricted by various regulations administered by federal bank regulatory agencies. Bank regulatory agencies restrict, without prior approval, the total dividend payments of a bank in any calendar year to the bank’s retained net income of that year to date, as defined, combined with its retained net income of the preceding two years, less any required transfers to surplus. At December 31, 2015, retained net income, which was free of such restriction, amounted to approximately $28,213.

Note 12 - Minimum Regulatory Ca

Note 12 - Minimum Regulatory Capital Requirement	12 Months Ended
	Dec. 31, 2015
Disclosure Text Block [Abstract]
Regulatory Capital Requirements under Banking Regulations [Text Block]	Note 12 : Minimum Regulatory Capital Requirement The Company (on a consolidated basis) and its subsidiary bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s and the bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to bank holding companies. The final rules implementing the Basel Committee on Banking Supervision's capital guidelines for U.S. banks (Basel III rules) became effective on January 1, 2015, with full compliance with all of the requirements being phased in over a multi-year schedule, and fully phased in by January 1, 2019. As part of the new requirements, the Common Equity Tier I Capital ratio is calculated and utilized in the assessment of capital for all institutions. Capital amounts and ratios for December 31, 2014 were calculated using the Basel I rules, which were effective until January 1, 2015. Quantitative measures established by regulation to ensure capital adequacy require the Company and the bank to maintain minimum amounts and ratios (set forth in the following table) of total, Tier 1, and Common Equity Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital (as defined) to average assets (as defined). Management believes, as of December 31, 2015 and 2014, that the Company and the bank meet all capital adequacy requirements to which they are subject. As of December 31, 2015, the most recent notifications from the Office of the Comptroller of the Currency categorized the bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based, Common Equity Tier 1 risk-based and Tier 1 leverage ratios, as set forth in the following tables. There are no conditions or events since these notifications that management believes have changed the bank’s category. The Company’s and the bank’s actual capital amounts and ratios as of December 31, 2015 and 2014 are also presented in the following tables. Actual Minimum Capital Minimum To Be Well Amount Ratio Amount Ratio Amount Ratio December 31, 2015 Total capital (to risk weighted assets) NBI consolidated $ 184,054 25.5 % $ 57,681 8.0 % N/A N/A NBB 181,926 25.3 % 57,526 8.0 % $ 71,908 10.0 % Tier 1 capital (to risk weighted assets) NBI consolidated $ 175,757 24.4 % $ 43,261 6.0 % N/A N/A NBB 173,629 24.1 % 43,145 6.0 % $ 57,526 8.0 % Common Equity Tier 1 capital (to risk weighted assets) NBI consolidated $ 175,757 24.4 % $ 32,446 4.5 % N/A N/A NBB 173,629 24.1 % 32,358 4.5 % $ 46,740 6.5 % Tier 1 capital (to average assets) NBI consolidated $ 175,757 15.1 % $ 46,594 4.0 % N/A N/A NBB 173,629 14.9 % 46,648 4.0 % $ 58,310 5.0 % Actual Minimum Capital Minimum To Be Well Amount Ratio Amount Ratio Amount Ratio December 31, 2014 Total capital (to risk weighted assets) NBI consolidated $ 172,976 24.9 % $ 55,615 8.0 % N/A N/A NBB 170,665 24.6 % 55,438 8.0 % $ 69,298 10.0 % Tier 1 capital (to risk weighted assets) NBI consolidated $ 164,713 23.7 % $ 27,807 4.0 % N/A N/A NBB 162,402 23.4 % 27,719 4.0 % $ 41,579 6.0 % Tier 1 capital (to average assets) NBI consolidated $ 164,713 14.6 % $ 45,122 4.0 % N/A N/A NBB 162,402 14.4 % 45,074 4.0 % $ 56,342 5.0 %

Note 13 - Condensed Financial S

Note 13 - Condensed Financial Statements of Parent Company	12 Months Ended
	Dec. 31, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	Note 1 3 : Condensed Financial Statements of Parent Company Financial information pertaining only to NBI (Parent) is as follows: Condensed Balance Sheets December 31, 2015 2014 Assets Cash due from subsidiaries $ 19 $ 10 Interest-bearing deposits 170 477 Securities available for sale 127 127 Securities held to maturity (fair value approximates $449 at December 31, 2015 and $450 at December 31, 2014) 451 452 Investments in subsidiaries, at equity 172,017 165,647 Other assets 56 188 Total assets $ 172,840 $ 166,901 Liabilities a nd Stockholders’ Equity Other liabilities $ 726 $ 598 Stockholders’ equity 172,114 166,303 Total liabilities and stockholders’ equity $ 172,840 $ 166,901 Condensed Statements of Income Years Ended December 31, 2015 2014 2013 Income Dividends from subsidiaries $ 7,930 $ 7,853 $ 7,882 Interest on securities – taxable 3 2 2 Interest on securities – nontaxable --- 1 19 Realized securities losses, net --- --- (94 ) Other income 1,208 1,250 1,219 $ 9,141 $ 9,106 $ 9,028 Expenses Other expenses $ 2,051 $ 2,046 $ 1,943 Income before income tax benefit and equity in undistributed net income of subsidiaries 7,090 7,060 7,085 Applicable income tax benefit 210 136 160 Income before equity in undistributed net income of subsidiaries 7,300 7,196 7,245 Equity in undistributed net income of subsidiaries 8,533 9,718 10,545 Net income $ 15,833 $ 16,914 $ 17,790 Condensed Statements of Cash Flows Years ended December 31, 2015 2014 2013 Cash Flows f rom Operating Expenses Net income $ 15,833 $ 16,914 $ 17,790 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (8,533 ) (9,718 ) (10,545 ) Amortization of premiums and accretion of discounts, net 1 1 --- Depreciation expense 3 9 17 Losses on disposal of fixed assets 2 94 --- Net change in refundable income taxes due from subsidiaries 106 96 77 Net change in other assets (81 ) (63 ) 3 Net change in other liabilities 128 (33 ) 20 Losses on securities --- --- 94 Net cash provided by operating activities 7,459 7,300 7,456 Cash Flows f rom Investing Activities Net change in interest-bearing deposits 307 213 (2 ) Purchases of securities available for sale --- --- (612 ) Purchases of securities held to maturity --- (453 ) --- Maturities and calls of securities available for sale --- 455 945 Proceeds from sale of premises and equipment --- 263 --- Net cash provided by investing activities 307 478 331 Cash Flows f rom Financing Activities Cash dividends paid (7,930 ) (7,853 ) (7,781 ) Exercise of stock options 173 58 --- Net cash used in financing activities (7,757 ) (7,795 ) (7,781 ) Net change in cash 9 17 6 Cash due from subsidiaries at beginning of year 10 27 21 Cash due from subsidiaries at end of year $ 19 $ 10 $ 27

Note 14 - Financial Instruments

Note 14 - Financial Instruments with Off-balance Sheet Risk	12 Months Ended
	Dec. 31, 2015
Disclosure Text Block Supplement [Abstract]
Financial Instruments Disclosure [Text Block]	Not e 14 : Financial Instruments with Off-Balance Sheet Risk The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, standby letters of credit and interest rate locks. These instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated balance sheets. The Company’s exposure to credit loss, in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit, is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. The Company may require collateral or other security to support the following financial instruments with credit risk. At December 31, 2015 and 2014, the following financial instruments were outstanding whose contract amounts represent credit risk: December 31, 2015 2014 Financial instruments whose contract amounts represent credit risk: Commitments to extend credit $ 125,934 $ 144,578 Standby letters of credit 15,248 14,677 Mortgage loans sold with potential recourse 17,571 10,248 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. The commitments for lines of credit may expire without being drawn upon. Therefore, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, if it is deemed necessary by the Company, is based on management’s credit evaluation of the customer. Unfunded commitments under commercial lines of credit, revolving credit lines, and overdraft protection agreements are commitments for possible future extensions of credit. Some of these commitments are uncollateralized and do not contain a specified maturity date and may not be drawn upon to the total extent to which the Company is committed. Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third party. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. Collateral held varies but may include accounts receivable, inventory, property, plant and equipment, and income-producing commercial properties. The Company originates mortgage loans for sale to secondary market investors subject to contractually specified and limited recourse provisions. In 2015, the Company originated $17,641 and sold $17,571 to investors, compared to $9,104 originated and $10,248 sold in 2014. Every contract with each investor contains certain recourse language. In general, the Company may be required to repurchase a previously sold mortgage loan if there is major noncompliance with defined loan origination or documentation standards, including fraud, negligence or material misstatement in the loan documents. Repurchase may also be required if necessary governmental loan guarantees are canceled or never issued, or if an investor is forced to buy back a loan after it has been resold as a part of a loan pool. In addition, the Company may have an obligation to repurchase a loan if the mortgagor has defaulted early in the loan term. This potential default period is approximately twelve months after sale of a loan to the investor. At December 31, 2015, the Company had locked-rate commitments to originate mortgage loans amounting to approximately $179 and loans held for sale of $634. Risks arise from the possible inability of counterparties to meet the terms of their contracts. The Company does not expect any counterparty to fail to meet its obligations. The Company maintains cash accounts in other commercial banks. The Company had $5 in deposits with correspondent institutions at December 31, 2015 that exceeded the insurance limits of the Federal Deposit Insurance Corporation.

Note 15 - Concentrations of Cre

Note 15 - Concentrations of Credit Risk	12 Months Ended
	Dec. 31, 2015
Risks and Uncertainties [Abstract]
Concentration Risk Disclosure [Text Block]	Note 1 5 : Concentrations of Credit Risk The Company does a general banking business, serving the commercial and personal banking needs of its customers. NBB’s market area in southwest Virginia is made up of the counties of Montgomery, Giles, Pulaski, Tazewell, Wythe, Smyth and Washington. It also includes the independent cities of Radford and Galax, and the portions of Carroll and Grayson Counties that are adjacent to Galax. In addition, it serves those portions of Mercer County and McDowell County, West Virginia that are contiguous with Tazewell County. Substantially all of NBB’s loans are made in its market area. The ultimate collectability of the bank’s loan portfolio and the ability to realize the value of any underlying collateral, if needed, is influenced by the economic conditions of the market area. The Company’s operating results are therefore closely correlated with the economic trends within this area. Commercial real estate as of December 31, 2015 and 2014 represented approximately 50% and 52% of the loan portfolio, at $309,378 and $310,762, respectively. Included in commercial real estate are loans for college housing and professional office buildings that comprised $200,521 and $190,055 as of December 31, 2015 and 2014 respectively, corresponding to approximately 32% of the loan portfolio at December 31, 2015 and 31% of the loan portfolio at December 31, 2014. Loans secured by residential real estate were $143,504, or approximately 23% of the portfolio, and $147,039, or 24% of the portfolio at December 31, 2015 and 2014, respectively. Loans secured by automobiles represented approximately 2% of the portfolio for both dates, at $12,409 and $11,554 at December 31, 2015 and 2014, respectively. The Company has established operating policies relating to the credit process and collateral in loan originations. Loans to purchase real and personal property are generally collateralized by the related property and with loan amounts established based on certain percentage limitations of the property’s total stated or appraised value. Credit approval is primarily a function of collateral and the evaluation of the creditworthiness of the individual borrower or project based on available financial information. Management considers the concentration of credit risk to be minimal.

Note 16 - Fair Value Measuremen

Note 16 - Fair Value Measurements	12 Months Ended
	Dec. 31, 2015
Fair Value Disclosures [Abstract]
Fair Value Disclosures [Text Block]	Note 1 6 : Fair Value Measurements The fair value of a financial instrument is the current amount that would be exchanged between willing parties, other than in a forced liquidation. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company’s various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. Accounting guidance for fair value excludes certain financial instruments and all nonfinancial instruments from its disclosure requirements. Accordingly, the aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Company. The Company records fair value adjustments to certain assets and liabilities and determines fair value disclosures utilizing a definition of fair value of assets and liabilities that states that fair value is an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. Additional considerations are involved to determine the fair value of financial assets in markets that are not active. The Company uses a hierarchy of valuation techniques based on whether the inputs to those valuation techniques are observable or unobservable. Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect the Company’s market assumptions. The three levels of the fair value hierarchy based on these two types of inputs are as follows: Level 1 – Valuation is based on quoted prices in active markets for identical assets and liabilities. Level 2 – Valuation is based on observable inputs including quoted prices in active markets for similar assets and liabilities, quoted prices for identical or similar assets and liabilities in less active markets, and model-based valuation techniques for which significant assumptions can be derived primarily from or corroborated by observable data in the market. Level 3 – Valuation is based on model-based techniques that use one or more significant inputs or assumptions that are unobservable in the market. The following describes the valuation techniques used by the Company to measure certain financial assets and liabilities recorded at fair value on a recurring basis in the financial statements: Securities A vailable for S ale Securities available for sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted market prices, when available (Level 1). If quoted market prices are not available, fair values are measured utilizing independent valuation techniques of identical or similar securities for which significant assumptions are derived primarily from or corroborated by observable market data. Third party vendors compile prices from various sources and may determine the fair value of identical or similar securities by using pricing models that consider observable market data (Level 2). The carrying value of restricted Federal Reserve Bank and Federal Home Loan Bank stock approximates fair value based upon the redemption provisions of each entity and is therefore excluded from the following table. The following tables present the balances of financial assets measured at fair value on a recurring basis as of December 31, 2015 and 2014: Fair Value Measurements at December 31, 2015 Using Description Balance as of Quoted Prices Significant Significant Inputs U.S. Government agencies and corporations $ 212,464 $ --- $ 212,464 $ --- States and political subdivisions 16,475 --- 16,475 --- Mortgage-backed securities 1,319 --- 1,319 --- Corporate debt securities 5,746 --- 5,746 --- Other securities 127 --- 127 --- Total securities available for sale $ 236,131 $ --- $ 236,131 $ --- Fair Value Measurements at December 31, 2014 Using Description Balance as of Quoted Prices Significant Significant Inputs U.S. Government agencies and corporations $ 194,219 $ --- $ 194,219 $ --- States and political subdivisions 19,380 --- 19,380 --- Mortgage-backed securities 2,014 --- 2,014 --- Corporate debt securities 7,104 --- 7,104 --- Other securities 127 --- 127 --- Total securities available for sale $ 222,844 $ --- $ 222,844 $ --- Certain financial assets are measured at fair value on a nonrecurring basis in accordance with GAAP. Adjustments to the fair value of these assets usually result from the application of lower-of-cost-or-market accounting or write-downs of individual assets. The following describes the valuation techniques used by the Company to measure certain financial assets recorded at fair value on a nonrecurring basis in the financial statements: Loans H eld for S ale Loans held for sale are carried at the lower of cost or market value. These loans currently consist of one-to-four family residential loans originated for sale in the secondary market. Fair value is based on the price secondary markets are currently offering for similar loans using observable market data which is not materially different than cost due to the short duration between origination and sale (Level 2). As such, the Company records any fair value adjustments on a nonrecurring basis. No nonrecurring fair value adjustments were recorded on loans held for sale during the years ended December 31, 2015 and 2014. Impaired Loans Loans are designated as impaired when, in the judgment of management based on current information and events, it is probable that all amounts due will not be collected according to the contractual terms of the loan agreement. Troubled debt restructurings are impaired loans. Impaired loans are measured at fair value on a nonrecurring basis. If an individually-evaluated impaired loan’s balance exceeds fair value, the amount is allocated to the allowance for loan losses. Any fair value adjustments are recorded in the period incurred as provision for loan losses on the Consolidated Statements of Income. The fair value of an impaired loan and measurement of associated loss is based on one of three methods: the observable market price of the loan, the present value of projected cash flows, or the fair value of the collateral. The observable market price of a loan is categorized as a Level 1 input. The present value of projected cash flows method results in a Level 3 categorization because the calculation relies on the Company’s judgment to determine projected cash flows, which are then discounted at the current rate of the loan, or the rate prior to modification if the loan is a troubled debt restructure. Loans measured using the fair value of collateral method may be categorized in Level 2 or Level 3. Collateral may be in the form of real estate or business assets including equipment, inventory, and accounts receivable. Most collateral is real estate. The Company bases collateral method fair valuation upon the “as-is” value of independent appraisals or evaluations. Valuations for impaired loans with outstanding principal balances of $250 or more are based on a current appraisal. Appraisals are also used to value impaired loans with principal balances of $100 or greater and secured by one piece of collateral. Collateral-method impaired loans with principal balances below $100, or if secured by multiple pieces of collateral, below $250, are valued using an internal evaluation. The value of real estate collateral is determined by a current (less than 12 months of age) appraisal or internal evaluation utilizing an income or market valuation approach. Appraisals conducted by an independent, licensed appraiser outside of the Company using observable market data is categorized as Level 2. If a current appraisal cannot be obtained prior to a reporting date and an existing appraisal is discounted to obtain an estimated value, or if declines in value are identified after the date of the appraisal, or if an appraisal is discounted for estimated selling costs, the valuation of real estate collateral is categorized as Level 3. Valuations derived from internal evaluations are categorized as Level 3. The value of business equipment is based upon an outside appraisal (Level 2) if deemed significant, or the net book value on the applicable business’ financial statements (Level 3) if not considered significant. Likewise, values for inventory and accounts receivables collateral are based on financial statement balances or aging reports (Level 3). As of December 31, 2015, the fair value measurements for impaired loans with specific allocations were primarily based upon the present value of expected future cash flows. As of December 31, 2014, the fair value measurements for impaired loans with specific allocations were primarily based upon the present value of expected future cash flows, with one loan valued based on the fair value of collateral. The following table summarizes the Company’s financial assets that were measured at fair value on a nonrecurring basis during the period. Carrying value Date Description Balance Quoted Prices Significant Significant Inputs Assets: December 31, 2015 Impaired loans net of valuation allowance $ 2,328 $ --- $ --- $ 2,328 December 31, 2014 Impaired loans net of valuation allowance 7,224 --- --- 7,224 The following table presents information about Level 3 Fair Value Measurements for December 31, 2015. Valuation Technique Unobservable Input Range (Weighted Average) Impaired loans Present value of cash flows Discount rate 6.00% - 7.38% (6.56%) The following table presents information about Level 3 Fair Value Measurements for December 31, 2014. Valuation Technique Unobservable Input Range (Weighted Average) Impaired loans Discounted appraised value Selling cost (1) 10% Impaired loans Present value of cash flows Discount rate 5.88% - 9.50% (6.15%) (1) Impaired loans that are collateral-dependent are valued using the fair value of collateral. The valuation is discounted for selling costs if repayment of the loan is dependent on the sale of the collateral. If repayment will come from rental income of the property, the valuation is not discounted for selling costs. (2) Only one loan was valued using the collateral method as of December 31, 2014. Other Real Estate Owned Certain assets such as other real estate owned (OREO) are measured at fair value less cost to sell. Valuation of other real estate owned is determined using current appraisals from independent parties, a level two input. If current appraisals cannot be obtained prior to reporting dates, or if declines in value are identified after a recent appraisal is received, appraisal values are discounted, resulting in Level 3 estimates. If the Company markets the property with a realtor, estimated selling costs reduce the fair value, resulting in a valuation based on Level 3 inputs. The following table summarizes the Company’s other real estate owned that were measured at fair value on a nonrecurring basis during the period. Carrying Value Date Description Balance Quoted Prices Significant Significant Inputs Assets: December 31, 2015 Other real estate owned net of valuation allowance $ 4,165 $ --- $ --- $ 4,165 December 31, 2014 Other real estate owned net of valuation allowance 4,744 --- --- 4,744 The following table presents information about Level 3 Fair Value Measurements for December 31, 2015. Valuation Technique Unobservable Input Range (Weighted Average) Other real estate owned Discounted appraised value Selling cost 0% - 10.00% (5.89%) Other real estate owned Discounted appraised value Discount for lack of marketability and age of appraisal 0% - 50.01% (10.16%) The following table presents information about Level 3 Fair Value Measurements for December 31, 2014. Valuation Technique Unobservable Input Range (Weighted Average) Other real estate owned Discounted appraised value Selling cost 0% - 11% (8.60%) Other real estate owned Discounted appraised value Discount for lack of marketability and age of appraisal 0% - 48.77% (20.81%) (1) The following methods and assumptions were used by the Company in estimating fair value disclosures for financial instruments: Cash and Due from Bank , and Interest-Bearing Deposits The carrying amounts approximate fair value. Securities The fair values of securities, excluding restricted stock, are determined by quoted market prices or dealer quotes. The fair value of certain state and municipal securities is not readily available through market sources other than dealer quotations, so fair value estimates are based on quoted market prices of similar instruments adjusted for differences between the quoted instruments and the instruments being valued. The carrying value of restricted securities approximates fair value based upon the redemption provisions of the applicable entities. Loans Held for Sale Fair values of loans held for sale are based on commitments on hand from investors or prevailing market prices. Loans Fair values are estimated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as commercial, real estate – commercial, real estate – construction, real estate – mortgage, credit card and other consumer loans. Each loan category is further segmented into fixed and adjustable rate interest terms and by performing and nonperforming categories. The fair value of performing loans is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risk inherent in the loan, as well as estimates for prepayments. The estimate of maturity is based on the Company’s historical experience with repayments for loan classification, modified, as required, by an estimate of the effect of economic conditions on lending. Fair value for significant nonperforming loans is based on estimated cash flows which are discounted using a rate commensurate with the risk associated with the estimated cash flows. Assumptions regarding credit risk, cash flows and discount rates are determined within management’s judgment, using available market information and specific borrower information. Bank-Owned Life Insurance Bank-owned life insurance represents insurance policies on officers of the Company. The cash values of the policies are estimates using information provided by insurance carriers. These policies are carried at their cash surrender value, which approximates fair value. Deposits The fair value of demand and savings deposits is the amount payable on demand. The fair value of fixed maturity term deposits and certificates of deposit is estimated using the rates currently offered for deposits with similar remaining maturities. Accrued Interest The carrying amounts of accrued interest approximate fair value. Commitments to Extend Credit and Standby Letters of Credit The only amounts recorded for commitments to extend credit, standby letters of credit and financial guarantees written are the deferred fees arising from these unrecognized financial instruments. These deferred fees are not deemed significant at December 31, 2015 and 2014, and, as such, the related fair values have not been estimated. The estimated fair values, and related carrying amounts, of the Company’s financial instruments are as follows: December 31, 2015 Estimated Fair Value Carrying Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 12,152 $ 12,152 $ --- $ --- Interest-bearing deposits 130,811 130,811 --- --- Securities 388,159 --- 394,163 --- Restricted securities 1,129 --- 1,129 --- Mortgage loans held for sale 634 --- 634 --- Loans, net 610,711 --- --- 621,590 Accrued interest receivable 5,769 --- 5,769 --- Bank-owned life insurance 22,401 --- 22,401 --- Financial liabilities: Deposits $ 1,018,859 $ --- $ 826,476 $ 193,912 Accrued interest payable 56 --- 56 --- December 31, 2014 Estimated Fair Value Carrying Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 12,894 $ 12,894 $ --- $ --- Interest-bearing deposits 102,548 102,548 --- --- Securities 384,296 --- 390,547 --- Restricted securities 1,089 --- 1,089 --- Mortgage loans held for sale 291 --- 291 --- Loans, net 597,203 --- --- 633,063 Accrued interest receivable 5,748 --- 5,748 --- Bank-owned life insurance 21,797 --- 21,797 --- Financial liabilities: Deposits $ 982,428 $ --- $ 765,682 $ 216,469 Accrued interest payable 68 --- 68 ---

Note 17 - Components of Accumul

Note 17 - Components of Accumulated Other Comprehensive Income	12 Months Ended
	Dec. 31, 2015
Disclosure Text Block [Abstract]
Comprehensive Income (Loss) Note [Text Block]	Note 1 7 : Components of Accumulated Other Comprehensive Income The following table summarizes the activity related to each component of accumulated other comprehensive income (loss): Net Unrealized Gain (Loss) on Securities Adjustments Related to Pension Benefits Accumulated Other Comprehensive Income (Loss) Balance at December 31, 20 12 $ 2,047 $ (4,785 ) $ (2,738 ) Unrealized holding loss on available for sale securities net of tax of ($8,665) (16,091 ) --- (16,091 ) Reclassification adjustment, net of tax of $19 33 --- 33 Net pension gain arising during the period, net of tax of $1,022 --- 1,898 1,898 Less amortization of prior service cost included in net periodic pension cost, net of tax of ($35) --- (66 ) (66 ) Balance at December 31, 201 3 (14,011 ) $ (2,953 ) $ (16,964 ) Unrealized holding gain on available for sale securities net of tax of $6,693 12,430 --- 12,430 Reclassification adjustment, net of tax of ($1) (1 ) --- (1 ) Net pension loss arising during the period, net of tax of ($574) --- (1,066 ) (1,066 ) Less amortization of prior service cost included in net periodic pension cost, net of tax of ($39) --- (71 ) (71 ) Balance at December 31, 201 4 $ (1,582 ) $ (4,090 ) $ (5,672 ) Unrealized holding loss on available for sale securities net of tax of ($571) (1,064 ) --- (1,064 ) Reclassification adjustment, net of tax of ($12) (21 ) --- (21 ) Net pension loss arising during the period, net of tax of ($597) --- (1,108 ) (1,108 ) Less amortization of prior service cost included in net periodic pension cost, net of tax of ($38) --- (72 ) (72 ) Balance at December 31, 201 5 $ (2,667 ) $ (5,270 ) $ (7,937 ) The following table provides information regarding reclassifications out of accumulated other comprehensive income (loss) for the years ended December 31, 2015, 2014 and 2013: December 31, 201 5 2014 2013 Component of Accumulated Other Comprehensive Income Reclassification out of unrealized gains and losses on available-for-sale securities: Realized securities (gains) losses, net $ (33 ) $ (2 ) $ 52 Income tax expense (benefit) (12 ) (1 ) 19 Realized (gains) losses on available-for-sale securities, net of tax reclassified out of accumulated other comprehensive income $ (21 ) $ (1 ) $ 33 Amortization of defined benefit pension items: Prior service costs (1) $ (110 ) $ (110 ) $ (101 ) Income tax expense (benefit) (38 ) (39 ) (35 ) Amortization of defined benefit pension items net of tax reclassified out of accumulate other comprehensive income $ (72 ) $ (71 ) $ (66 ) (1) This accumulated other comprehensive income (loss) component is included in the computation of net periodic benefit cost. (For additional information, see Note 8, "Employee Benefit Plans.")

Note 18 - Intangible Assets and

Note 18 - Intangible Assets and Goodwill	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Intangible Assets Disclosure [Text Block]	Note 18 . Intangible Assets and Goodwill In accounting for goodwill and intangible assets, the Company conducts an impairment review at least annually and more frequently if certain impairment indicators are in evidence. Accounting guidance provides the option of performing a preliminary assessment of qualitative factors before performing more substantial testing for impairment. If the preliminary assessment indicates that it is more likely than not that fair value is below carrying value, a two-step test is employed to determine impairment. The Company opted not to perform the preliminary assessment and employed the two-step test to determine impairment. Based on the testing for impairment of goodwill and intangible assets, there were no impairment charges for 2015, 2014 or 2013. Information concerning goodwill and intangible assets for years ended December 31, 2015 and 2014 is presented in the following table: Gross Carrying Value Accumulated Amortization Net Carrying Value December 31, 2015 Amortizable core deposit intangibles $ 16,257 $ 15,881 $ 376 Unamortizable goodwill 5,848 --- 5,848 Intangible assets and goodwill $ 22,105 $ 15,881 $ 6,224 December 31, 2014 Amortizable core deposit intangibles $ 16,257 $ 14,882 $ 1,375 Unamortizable goodwill 5,848 --- 5,848 Intangible assets and goodwill $ 22,105 $ 14,882 $ 7,223 As of December 31, 2015, the estimated amortization expense of core deposit intangibles are as follows: 2016 258 2017 68 2018 50 Thereafter --- Total $ 376

Accounting Policies, by Policy

Accounting Policies, by Policy (Policies)	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Cash and Cash Equivalents, Policy [Policy Text Block]	Cash and Cash Equivalents For purposes of the consolidated statements of cash flows, cash and cash equivalents include cash and amounts due from banks.
Interest-bearing Deposits [Policy Text Block]	Interest-Bearing Deposits The Company invests over-night funds in interest-bearing deposits at other banks, including the Federal Home Loan Bank, the Federal Reserve, and other entities. Interest-bearing deposits are carried at cost.
Marketable Securities, Policy [Policy Text Block]	Securities Certain debt securities that management has the positive intent and ability to hold to maturity are classified as “held to maturity” and recorded at amortized cost. Trading securities are recorded at fair value with changes in fair value included in earnings. Securities not classified as held to maturity or trading, including equity securities with readily determinable fair values, are classified as “available for sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. The Company follows the accounting guidance related to recognition and presentation of other-than-temporary impairment. The guidance specifies that if (a) an entity does not have the intent to sell a debt security prior to recovery and (b) it is more likely than not that the entity will not have to sell the debt security prior to recovery, the security would not be considered other-than-temporarily impaired, unless there is a credit loss. When criteria (a) and (b) are met, the entity will recognize the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. For held-to-maturity debt securities, the amount of an other-than-temporary impairment recorded in other comprehensive income for the noncredit portion of a previous other-than-temporary impairment is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security. For equity securities, when the Company has decided to sell an impaired available-for-sale security and the Company does not expect the fair value of the security to fully recover before the expected time of sale, the security is deemed other-than-temporarily impaired in the period in which the decision to sell is made. The Company recognizes an impairment loss when the impairment is deemed other than temporary even if a decision to sell has not been made.
Finance, Loan and Lease Receivables, Held-for-sale, Policy [Policy Text Block]	Loans Held for Sale Loans originated and intended for sale in the secondary market are carried at the lower of cost or estimated fair value on an individual loan basis. Net unrealized losses, if any, are recognized through a valuation allowance by charges to income. Loans held for sale are sold with the mortgage servicing rights released by the Company.
Finance, Loan and Lease Receivables, Held-for-investment, Policy [Policy Text Block]	Loans The Company, through its banking subsidiary, provides mortgage, commercial, and consumer loans to customers. A substantial portion of the loan portfolio is represented by mortgage loans, particularly commercial mortgages. The ability of the Company’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in the Company’s market area. The Company’s loans are grouped into six segments: real estate construction, consumer real estate, commercial real estate, commercial non real estate, public sector and IDA, and consumer non real estate. Each segment is subject to certain risks that influence the establishment of pricing, loan structures, approval requirements, reserves, and ongoing credit management. Real estate construction loans are subject to general risks from changing commercial building and housing market trends and economic conditions that may impact demand for completed properties and the costs of completion. Completed properties that do not sell or become leased within originally expected timeframes may impact the borrower’s ability to service the debt. These risks are measured by market-area unemployment rates, bankruptcy rates, housing and commercial building market trends, and interest rates. Risks specific to the borrower are also evaluated, including previous repayment history, debt service ability, and current and projected loan-to value ratios for the collateral. The credit quality of consumer real estate is subject to risks associated with the borrower’s repayment ability and collateral value, measured generally by analyzing local unemployment and bankruptcy trends, and local housing market trends and interest rates. Risks specific to a borrower are determined by previous repayment history, loan-to-value ratios and debt-to-income ratios. The commercial real estate segment includes loans secured by multifamily residential real estate, commercial real estate occupied by the owner/borrower, and commercial real estate leased to non-owners. Loans in the commercial real estate segment are impacted by economic risks from changing commercial real estate markets, rental markets for multi-family housing and commercial buildings, business bankruptcy rates, local unemployment rates and interest rate trends that would impact the businesses housed by the commercial real estate. Commercial non real estate loans are secured by collateral other than real estate, or are unsecured. Credit risk for commercial non real estate loans is subject to economic conditions, generally monitored by local business bankruptcy trends, interest rates, and borrower repayment ability and collateral value (if secured). Public sector and IDA loans are extended to municipalities and related entities. Credit risk is based upon the entity’s ability to repay through either a direct obligation or assignment of specific revenues from an enterprise or other economic activity, and interest rate trends. Consumer non real estate includes credit cards, automobile and other consumer loans. Credit cards and certain other consumer loans are unsecured, while collateral is obtained for automobile loans and other consumer loans. Credit risk stems primarily from the borrower’s ability to repay. If the loan is secured, the company analyzes loan-to-value ratios. All consumer non real estate loans are analyzed for debt-to-income ratios and previous credit history, as well as for general risks for the portfolio, including local unemployment rates, personal bankruptcy rates and interest rates. Risks from delinquency trends and characteristics such as second-lien position and interest-only status, as well as historical charge-off rates, are analyzed for all segments. Loans that management has the intent and ability to hold for the foreseeable future, or until maturity or payoff, generally are reported at their outstanding unpaid principal balances adjusted for the allowance for loan losses and any deferred fees or costs on originated loans. Interest income is accrued on the unpaid principal balance. Loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method. The Company considers multiple factors when determining whether to discontinue accrual of interest on individual loans. Generally loans are placed in nonaccrual status when collection of interest and/or full principal is considered doubtful. Interest accrual is discontinued at the time a commercial real estate loan or commercial non-real estate loan is 90 days delinquent unless the credit is well secured and in the process of collection. Loans within all loan classes that are not restructured but that are impaired and have an associated impairment loss are placed on nonaccrual unless the borrower is paying as agreed. Restructured loans within all classes that allow the borrower to discontinue payments of principal or interest for more than 90 days are placed on nonaccrual unless the modification provides reasonable assurance of repayment performance and collateral value supports regular underwriting requirements. Restructured loans within all classes that maintain current status for at least a six-month period, including history prior to restructuring, may be returned to accrual status. All interest accrued but not collected for loans of all classes that are placed on nonaccrual or for loans charged off is reversed against interest income. Any interest payments received on nonaccrual loans of all classes are credited to the principal balance of the loan. Loans of all classes that have been designated nonaccrual are returned to accrual status when all the principal and interest amounts contractually due are current; future payments are reasonably assured; and for loans that financed the sale of OREO property, loan-to-value thresholds are met. The Company reviews nonaccrual loans on an individual loan basis to determine whether future payments are reasonably assured. In order for this criteria to be satisfied, the Company’s evaluation must determine that the underlying cause of the original delinquency or weakness that indicated nonaccrual status has been resolved, such as receipt of new guarantees, increased cash flows that cover the debt service or other resolution. A loan is considered past due when a payment of principal and/or interest is due but not paid. Credit card payments not received within 30 days after the statement date, real estate loan payments not received within the payment cycle; and all other non-real estate secured loans for which payment is not made within the required payment cycle are considered 30 days past due. Management closely monitors past due loans in timeframes of 30-89 days past due and 90 or more days past due.
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Allowance for Loan Losses The allowance for loan losses represents management’s estimate of probable losses inherent in the Company’s loan portfolio. A provision for estimated losses is charged to earnings to establish and maintain the allowance for loan losses at a level reflective of the estimated credit risk. When management determines that a loan balance or portion of a loan balance is not collectible, the loss is charged against the allowance. Subsequent recoveries, if any, are credited to the allowance. Management evaluates the allowance each quarter through a methodology that estimates losses on individual impaired loans and evaluates the effect of numerous factors on the credit risk of groups of homogeneous loans. Specific allowances are established for individually-evaluated impaired loans based on the excess of the loan balance relative to the fair value of the loan. Impaired loans are designated as such when current information indicates that it is probable that the Company will be unable to collect principal or interest when due according to the contractual terms of the loan agreement. Loan relationships exceeding $250,000 in nonaccrual status or that are significantly past due, or for which a credit review identified weaknesses that indicate principal and interest will not be collected according to the loan terms, as well as all loans modified in a troubled debt restructuring, are designated impaired. This policy is applicable to all loan classes. Fair value of impaired loans is estimated in one of three ways: (1) the estimated fair value (less selling costs) of the underlying collateral, (2) the present value of the loan’s expected future cash flows, or (3) the loan’s observable market value. The amount of recorded investment (unpaid principal net of any interest payments made by the borrower during the nonaccrual period and net of any partial charge-offs, accrued interest and deferred fees and costs) in an impaired loan that exceeds the fair value is accrued as estimated loss in the allowance. Impaired loans for which collection of interest or principal is in doubt are placed in nonaccrual status. General allowances are established for collectively-evaluated loans. Collectively-evaluated loans are grouped into classes based on similar characteristics. Factors considered in determining general allowances include net charge-off trends, internal risk ratings, delinquency and nonperforming rates, product mix, underwriting practices, industry trends and economic trends. The Company’s charge-off policy meets or is more stringent than the minimum standards required by regulators. When available information confirms that a specific loan or a portion thereof, within any loan class, is uncollectible the amount is charged off against the allowance for loan losses. Additionally, losses on consumer real estate and consumer non-real estate loans are typically charged off no later than when the loans are 120-180 days past due, and losses on loans secured by residential real estate or by commercial real estate are charged off by the time the loans reach 180 days past due, in compliance with regulatory guidelines. Accordingly, secured loans may be charged down to the estimated value of the collateral, with previously accrued unpaid interest reversed. Subsequent charge-offs may be required as a result of changes in the market value of collateral or other repayment prospects.
Loans and Leases Receivable, Troubled Debt Restructuring Policy [Policy Text Block]	Troubled Debt Restructurings (“TDRs”) In situations where, for economic or legal reasons related to a borrower’s financial condition, management grants a concession to the borrower that it would not otherwise consider, the related loan is classified as a troubled debt restructuring (TDR). These modified terms may include reduction of the interest rate, extension of the maturity date at an interest rate lower than the current market rate for a new loan with similar risk, forgiveness of principal or accrued interest or other actions intended to minimize the economic loss. TDR loans are individually measured for impairment.
Rate Lock Commitments [Policy Text Block]	Rate Lock Commitments The Company enters into commitments to originate mortgage loans in which the interest rate on the loan is determined prior to funding (rate lock commitments). Rate lock commitments on mortgage loans that are intended to be sold are considered to be derivatives. The period of time between issuance of a loan commitment and closing and sale of the loan generally ranges from 30 to 60 days. The Company protects itself from changes in interest rates through the use of best efforts forward delivery commitments, by committing to sell a loan at the time the borrower commits to an interest rate with the intent that the buyer has assumed interest rate risk on the loan. As a result, the Company is not exposed to losses nor will it realize significant gains related to its rate lock commitments due to changes in interest rates. The correlation between the rate lock commitments and the best efforts contracts is very high due to their similarity. The market value of rate lock commitments and best efforts contracts is not readily ascertainable with precision because rate lock commitments and best effort contracts are not actively traded in stand-alone markets. The Company determines the fair value of rate lock commitments and best efforts contracts by measuring the changes in the value of the underlying assets while taking into consideration the probability that the rate lock commitments will close. Because of the high correlation between rate lock commitments and best efforts contracts, no gain or loss occurs on the rate lock commitments.
Property, Plant and Equipment, Policy [Policy Text Block]	Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost, net of accumulated depreciation. Depreciation is charged to expense over the estimated useful lives of the assets on the straight-line basis. Depreciable lives include 40 years for premises, 3-10 years for furniture and equipment, and 3 years for computer software. Costs of maintenance and repairs are charged to expense as incurred and improvements are capitalized.
Loans and Leases Receivable, Real Estate Acquired Through Foreclosure, Policy [Policy Text Block]	Other Real Estate Owned Real estate acquired through or in lieu of foreclosure is held for sale and is initially recorded at fair value less estimated costs to sell at the date of foreclosure, establishing a new cost basis. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated costs to sell. Revenue and expenses from operations and changes in the valuation allowance are included in other operating expenses.
Goodwill and Intangible Assets, Policy [Policy Text Block]	Intangible Assets and Goodwill Goodwill is subject to at least an annual assessment for impairment by applying a fair value based test. The Company performs its annual analysis as of September 30 of each fiscal year. Accounting guidance permits preliminary assessment of qualitative factors to determine whether more substantial impairment testing is required. The Company chose to bypass the preliminary assessment and utilized a two-step process for impairment testing of goodwill. The first step tests for impairment, while the second step, if necessary, measures the impairment. The Company’s goodwill impairment analysis considered three valuation techniques appropriate to the measurement. The first technique uses the Company’s market capitalization as an estimate of fair value, the second technique estimates fair value using current market pricing multiples for companies comparable to NBI, while the third technique uses current market pricing multiples for change-of-control transactions involving companies comparable to NBI. Certain key judgments were used in the valuation measurement. Goodwill is held by the Company’s bank subsidiary. The bank subsidiary is 100% owned by the Company, and no market capitalization is available. Because most of the Company’s assets are comprised of the subsidiary bank’s equity, the Company’s market capitalization was used to estimate the Bank’s market capitalization. Other judgments include the assumption that the companies and transactions used as comparables for the second and third technique were appropriate to the estimate of the Company’s fair value, and that the comparable multiples are appropriate indicators of fair value, and compliant with accounting guidance. Each measure indicated that the Company’s fair value exceeded its book value. No indicators of impairment for goodwill were identified during the years ended December 31, 2015, 2014, and 2013. Acquired intangible assets (such as core deposit intangibles) are recognized separately from goodwill if the benefit of the asset can be sold, transferred, licensed, rented, or exchanged, and amortized over its useful life. The Company amortizes on a straight-line basis intangible assets arising from branch purchase transactions over their useful lives, generally ten to twelve years. Core deposit intangibles are subject to a recoverability test based on undiscounted cash flows, and to the impairment recognition and measurement provisions required for other long-lived assets held and used. The impairment testing showed that the expected cash flows of the intangible assets exceeded the carrying value.
Share-based Compensation, Option and Incentive Plans Policy [Policy Text Block]	Stock-Based Compensation The Company’s 1999 Stock Option Plan terminated on March 9, 2009. Incentive stock options, all of which are now vested, were granted in the early years of the Plan. The Company recognized the cost of employment services received in exchange for awards of equity instruments based on the fair value of those awards on the date of grant. Compensation cost was recognized over the award’s required service period, which was the vesting period.
Pension and Other Postretirement Plans, Pensions, Policy [Policy Text Block]	Pension Plan The Company recognizes the overfunded or underfunded status of a defined benefit postretirement plan as an asset or liability in its statement of financial position and recognizes changes in that funded status in the year in which the changes occur through comprehensive income. The funded status of a benefit plan is measured as the difference between plan assets at fair value and the projected benefit obligation.
Income Tax, Policy [Policy Text Block]	Income Taxes Income tax accounting guidance results in two components of income tax expense: current and deferred. Current income tax expense reflects taxes to be paid or refunded for the current period by applying the provisions of the enacted tax law to the taxable income or excess of deductions over revenues. The Company determines deferred income taxes using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is based on the tax effects of the differences between the book and tax bases of assets and liabilities, and enacted changes in tax rates and laws are recognized in the period in which they occur. Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 percent; the terms examined and upon examination also include resolution of the related appeals or litigation processes, if any. A tax position that meets the more-likely-than-not recognition threshold is initially and subsequently measured as the largest amount of tax benefit that has a greater than 50 percent likelihood of being realized upon settlement with a taxing authority that has full knowledge of all relevant information. The determination of whether or not a tax position has met the more-likely-than-not recognition threshold considers the facts, circumstances, and information available at the reporting date and is subject to management’s judgment. Deferred tax assets are reduced by a valuation allowance if, based on the weight of evidence available, it is more likely than not that some portion or all of a deferred tax asset will not be realized. The Company recognizes interest and penalties on income taxes as a component of income tax expense.
Trust Assets and Income [Policy Text Block]	Trust Assets and Income Assets (other than cash deposits) held by the Trust Department in a fiduciary or agency capacity for customers are not included in the consolidated financial statements since such items are not assets of the Company. Trust income is recognized on the accrual basis.
Earnings Per Share, Policy [Policy Text Block]	Earnings Per Common Share Basic earnings per common share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per common share reflects additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may be issued by the Company relate solely to stock options outstanding during the period and are determined using the treasury stock method. The following shows the weighted average number of shares used in computing earnings per common share and the effect on the weighted average number of shares of dilutive potential common stock. 2015 2014 2013 Average number of common shares outstanding 6,953,849 6,948,789 6,947,974 Effect of dilutive options 3,245 10,345 20,419 Average number of common shares outstanding used to calculate diluted earnings per common share 6,957,094 6,959,134 6,968,393 The computation of diluted net income per common share excludes shares for stock options that would be anti-dilutive. There were no anti-dilutive shares in 2015, 2014 or 2013.
Commitments and Contingencies, Policy [Policy Text Block]	Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business are recorded as liabilities when the likelihood of loss is probable and reasonably estimated. Management does not believe there are such matters that will have a material effect on the financial statements.
Advertising Costs, Policy [Policy Text Block]	Advertising The Company charges advertising costs to expenses as incurred. In 2015, the Company expensed $105, and expensed $174 and $194 in 2014 and 2013, respectively.
Use of Estimates, Policy [Policy Text Block]	Use of Estimates In preparing consolidated financial statements in conformity with accounting principles generally accepted in the United States of America, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheet and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of foreclosed real estate, other-than-temporary impairments of securities, evaluation of impairment of goodwill and other intangibles, and pension obligations. Changing economic conditions, adverse economic prospects for borrowers, as well as regulatory agency action as a result of examination, could cause NBB to recognize additions to the allowance for loan losses and may also affect the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans. Certain reclassifications have been made to prior period balances to conform to the current year provisions.
New Accounting Pronouncements, Policy [Policy Text Block]	Recent Accounting Pronouncements In June 2014, the FASB issued ASU No. 2014-12, “Compensation – Stock Compensation (Topic 718): Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period.” The new guidance applies to reporting entities that grant employees share-based payments in which the terms of the award allow a performance target to be achieved after the requisite service period. The amendments in the ASU require that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. Existing guidance in “Compensation – Stock Compensation (Topic 718),” should be applied to account for these types of awards. The amendments in this ASU are effective for annual periods and interim periods within those annual periods beginning after December 15, 2015. Early adoption is permitted and reporting entities may choose to apply the amendments in the ASU either on a prospective or retrospective basis. The Company does not expect the adoption of ASU 2014-12 to have a material impact on its consolidated financial statements. In August 2014, the FASB issued ASU No. 2014-15, “Presentation of Financial Statements – Going Concern (Subtopic 205-40): Disclosure of Uncertainties about an Entity’s Ability to Continue as a Going Concern.” This update is intended to provide guidance about management’s responsibility to evaluate whether there is substantial doubt about an entity’s ability to continue as a going concern and to provide related footnote disclosures. Management is required under the new guidance to evaluate whether there are conditions or events, considered in the aggregate, that raise substantial doubt about the entity’s ability to continue as a going concern within one year after the date the financial statements are issued when preparing financial statements for each interim and annual reporting period. If conditions or events are identified, the ASU specifies the process that must be followed by management and also clarifies the timing and content of going concern footnote disclosures in order to reduce diversity in practice. The amendments in this ASU are effective for annual periods and interim periods within those annual periods beginning after December 15, 2016. Early adoption is permitted. The Company does not expect the adoption of ASU 2014-15 to have a material impact on its consolidated financial statements. In November 2014, the FASB issued ASU No. 2014-16, “Derivatives and Hedging (Topic 815): Determining Whether the Host Contract in a Hybrid Financial Instrument Issued in the Form of a Share Is More Akin to Debt or to Equity.” The amendments in ASU do not change the current criteria in U.S. GAAP for determining when separation of certain embedded derivative features in a hybrid financial instrument is required. The amendments clarify how current U.S. GAAP should be interpreted in evaluating the economic characteristics and risks of a host contract in a hybrid financial instrument that is issued in the form of a share. Specifically, the amendments clarify that an entity should consider all relevant terms and features, including the embedded derivative feature being evaluated for bifurcation, in evaluating the nature of the host contract. Furthermore, the amendments clarify that no single term or feature would necessarily determine the economic characteristics and risks of the host contract. Rather, the nature of the host contract depends upon the economic characteristics and risks of the entire hybrid financial instrument. The amendments in this ASU also clarify that, in evaluating the nature of a host contract, an entity should assess the substance of the relevant terms and features (i.e., the relative strength of the debt-like or equity-like terms and features given the facts and circumstances) when considering how to weight those terms and features. The amendments in this ASU are effective for public business entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption, including adoption in an interim period, is permitted. The Company does not expect the adoption of ASU 2014-16 to have a material impact on its consolidated financial statements. In January 2015, the FASB issued ASU No. 2015-01, “Income Statement—Extraordinary and Unusual Items (Subtopic 225-20): Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items.” The amendments in this ASU eliminate from U.S. GAAP the concept of extraordinary items. Subtopic 225-20, Income Statement - Extraordinary and Unusual Items, required that an entity separately classify, present, and disclose extraordinary events and transactions. Presently, an event or transaction is presumed to be an ordinary and usual activity of the reporting entity unless evidence clearly supports its classification as an extraordinary item. If an event or transaction meets the criteria for extraordinary classification, an entity is required to segregate the extraordinary item from the results of ordinary operations and show the item separately in the income statement, net of tax, after income from continuing operations. The entity also is required to disclose applicable income taxes and either present or disclose earnings-per-share data applicable to the extraordinary item. The amendments in this ASU are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. A reporting entity may apply the amendments prospectively. A reporting entity also may apply the amendments retrospectively to all prior periods presented in the financial statements. Early adoption is permitted provided that the guidance is applied from the beginning of the fiscal year of adoption. The Company does not expect the adoption of ASU 2015-01 to have a material impact on its consolidated financial statements. In February 2015, the FASB issued ASU No. 2015-02, “Consolidation (Topic 810): Amendments to the Consolidation Analysis.” The amendments in this ASU are intended to improve targeted areas of consolidation guidance for legal entities such as limited partnerships, limited liability corporations, and securitization structures (collateralized debt obligations, collateralized loan obligations, and mortgage-backed security transactions). In addition to reducing the number of consolidation models from four to two, the new standard simplifies the FASB Accounting Standards Codification™ and improves current GAAP by placing more emphasis on risk of loss when determining a controlling financial interest, reducing the frequency of the application of related-party guidance when determining a controlling financial interest in a variable interest entity (VIE), and changing consolidation conclusions for public and private companies in several industries that typically make use of limited partnerships or VIEs. The amendments in this ASU are effective for public business entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015. Early adoption is permitted, including adoption in an interim period. ASU 2015-02 may be applied retrospectively in previously issued financial statements for one or more years with a cumulative-effect adjustment to retained earnings as of the beginning of the first year restated. The Company does not expect the adoption of ASU 2015-02 to have a material impact on its consolidated financial statements. In April 2015, the FASB issued ASU No. 2015-03, “Interest – Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs.” The amendments in this ASU are intended to simplify the presentation of debt issuance costs. These amendments require that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in this ASU. The amendments in this ASU are effective for public business entities for financial statements issued for fiscal years beginning after December 15, 2015, and interim periods within those fiscal years. Early adoption is permitted for financial statements that have not been previously issued. The Company does not expect the adoption of ASU 2015-03 to have a material impact on its consolidated financial statements. In April 2015, the FASB issued ASU No. 2015-05, “Intangibles - Goodwill and Other - Internal-Use Software (Subtopic 350-40): Customer’s Accounting for Fees Paid in a Cloud Computing Arrangement.” The amendments in this ASU provide guidance to customers about whether a cloud computing arrangement includes a software license. If a cloud computing arrangement includes a software license, then the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If a cloud computing arrangement does not include a software license, the customer should account for the arrangement as a service contract. The amendments do not change the accounting for a customer’s accounting for service contracts. As a result of the amendments, all software licenses within the scope of Subtopic 350-40 will be accounted for consistent with other licenses of intangible assets. The amendments in this ASU are effective for public business entities for annual periods, including interim periods within those annual periods, beginning after December 15, 2015. Early adoption is permitted. An entity can elect to adopt the amendments either: (1) prospectively to all arrangements entered into or materially modified after the effective date; or (2) retrospectively. The Company does not expect the adoption of ASU 2015-05 to have a material impact on its consolidated financial statements. In May 2015, the FASB issued ASU No. 2015-08, “Business Combinations (Topic 805): Pushdown Accounting – Amendments to SEC Paragraphs Pursuant to Staff Accounting Bulletin No. 115.” The amendments in ASU 2015-08 amend various SEC paragraphs pursuant to the issuance of Staff Accounting Bulletin No. 115, Topic 5: Miscellaneous Accounting, regarding various pushdown accounting issues, and did not have a material impact on our consolidated financial statements. In July 2015, the FASB issued ASU No. 2015-12, “Plan Accounting: Defined Benefit Pension Plans (Topic 960), Defined Contribution Pension Plans (Topic 962), and Health and Welfare Benefit Plans (Topic 965) – 1. Fully Benefit-Responsive Investment Contracts, 2. Plan Investment Disclosures, and 3. Measurement Date Practical Expedient.” The amendments within this ASU are in 3 parts. Among other things, Part 1 amendments designate contract value as the only required measure for fully benefit-responsive investment contracts; Part II amendments eliminate the requirement that plans disclose: (a) individual investments that represent 5 percent or more of net assets available for benefits; and (b) the net appreciation or depreciation for investments by general type requirements for both participant-directed investments and nonparticipant-directed investments. Part III amendments provide a practical expedient to permit plans to measure investments and investment-related accounts (e.g., a liability for a pending trade with a broker) as of a month-end date that is closest to the plan’s fiscal year-end, when the fiscal period does not coincide with month-end. The amendments in Parts 1 and 2 of this ASU are effective on a retrospective basis and Part 3 is effective on a prospective basis, for fiscal years beginning after December 15, 2015. Early adoption is permitted. The Company does not expect the adoption of ASU 2015-12 to have a material impact on its consolidated financial statements. In August 2015, the FASB issued ASU No. 2015-14, “Revenue from Contracts with Customers (Topic 606): Deferral of Effective Date.” The amendments in ASU 2015-14 defer the effective date of ASU 2014-09 for all entities by one year. Public business entities, certain not-for-profit entities, and certain employee benefit plans should apply the guidance in ASU 2014-09 to annual reporting periods beginning after December 15, 2017, including interim reporting periods within that reporting period. Earlier application is permitted only as of annual reporting periods beginning after December 15, 2016, including interim reporting periods within that reporting period. All other entities should apply the guidance in ASU 2014-09 to annual reporting periods beginning after December 15, 2018, and interim reporting periods within annual reporting periods beginning after December 15, 2019. All other entities may apply the guidance in ASU 2014-09 earlier as of an annual reporting period beginning after December 15, 2016, including interim reporting periods within that reporting period. All other entities also may apply the guidance in ASU 2014-09 earlier as of an annual reporting period beginning after December 15, 2016, and interim reporting periods within annual reporting periods beginning one year after the annual reporting period in which the entity first applies the guidance in ASU 2014-09. The Company does not expect the adoption of ASU 2015-14 (or ASU 2014-09) to have a material impact on its consolidated financial statements. In August 2015, the FASB issued ASU 2015-15, “Interest – Imputation of Interest (Subtopic 835-30) – Presentation and Subsequent Measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements (Amendments to SEC Paragraphs Pursuant to Staff Announcement at June 18, 2015 EITF Meeting).” On April 7, 2015, the FASB issued ASU 2015-03, Interest—Imputation of Interest (Subtopic 835-30): Simplifying the Presentation of Debt Issuance Costs, which requires entities to present debt issuance costs related to a recognized debt liability as a direct deduction from the carrying amount of that debt liability. The guidance in ASU 2015-03 (see paragraph 835-30-45-1A) does not address presentation or subsequent measurement of debt issuance costs related to line-of-credit arrangements. Given the absence of authoritative guidance within ASU 2015-03 for debt issuance costs related to line-of-credit arrangements, the SEC staff stated that they would not object to an entity deferring and presenting debt issuance costs as an asset and subsequently amortizing the deferred debt issuance costs ratably over the term of the line-of-credit arrangement, regardless of whether there are any outstanding borrowings on the line-of-credit arrangement. ASU 2015-15 adds these SEC comments to the "S" section of the Codification. The adoption of ASU 2015-15 did not have a material impact on our consolidated financial statements. In September 2015, the FASB issued ASU 2015-16, “Business Combinations (Topic 805): Simplifying the Accounting for Measurement-Period Adjustments.” The amendments in ASU 2015-16 require that an acquirer recognize adjustments to estimated amounts that are identified during the measurement period in the reporting period in which the adjustment amounts are determined. The amendments require that the acquirer record, in the same period’s financial statements, the effect on earnings of changes in depreciation, amortization, or other income effects, if any, as a result of the change to the estimated amounts, calculated as if the accounting had been completed at the acquisition date. The amendments also require an entity to present separately on the face of the income statement or disclose in the notes the portion of the amount recorded in current-period earnings by line item that would have been recorded in previous reporting periods if the adjustment to the estimated amounts had been recognized as of the acquisition date. The amendments in this ASU are effective for public business entities for fiscal years beginning after December 15, 2015, including interim periods within those fiscal years. For all other entities, the amendments are effective for fiscal years beginning after December 15, 2016, and interim periods within fiscal years beginning after December 15, 2017. The amendments should be applied prospectively to adjustments to provisional amounts that occur after the effective date with earlier application permitted for financial statements that have not been issued. The Company does not expect the adoption of ASU 2015-16 to have a material impact on its consolidated financial statements. In January 2016, the FASB issued ASU 2016-01, “Financial Instruments – Overall (Subtopic 825-10): Recognition and Measurement of Financial Assets and Financial Liabilities.” The amendments in ASU 2016-01, among other things: 1) Requires equity investments (except those accounted for under the equity method of accounting, or those that result in consolidation of the investee) to be measured at fair value with changes in fair value recognized in net income. 2) Requires public business entities to use the exit price notion when measuring the fair value of financial instruments for disclosure purposes. 3) Requires separate presentation of financial assets and financial liabilities by measurement category and form of financial asset (i.e., securities or loans and receivables). 4) Eliminates the requirement for public business entities to disclose the method(s) and significant assumptions used to estimate the fair value that is required to be disclosed for financial instruments measured at amortized cost. The amendments in this ASU are effective for public companies for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company is currently assessing the impact that ASU 2016-01 will have on its consolidated financial statements. In February 2016, the FASB issued ASU No. 2016-01, “Leases (Topic 842).” Among other things, in the amendments in ASU 2016-02, lessees will be required to recognize the following for all leases (with the exception of short-term leases) at the commencement date: (1) A lease liability, which is a lessee‘s obligation to make lease payments arising from a lease, measured on a discounted basis; and (2) A right-of-use asset, which is an asset that represents the lessee’s right to use, or control the use of, a specified asset for the lease term. Under the new guidance, lessor accounting is largely unchanged. Certain targeted improvements were made to align, where necessary, lessor accounting with the lessee accounting model and Topic 606, Revenue from Contracts with Customers. The amendments in this ASU are effective for fiscal years beginning after December 15, 2018, including interim periods within those fiscal years. Early application is permitted upon issuance. Lessees (for capital and operating leases) and lessors (for sales-type, direct financing, and operating leases) must apply a modified retrospective transition approach for leases existing at, or entered into after, the beginning of the earliest comparative period presented in the financial statements. The modified retrospective approach would not require any transition accounting for leases that expired before the earliest comparative period presented. Lessees and lessors may not apply a full retrospective transition approach. The Company is currently assessing the impact that ASU 2016-02 will have on its consolidated financial statements.

Note 1 - Summary of Significa29

Note 1 - Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2015
Accounting Policies [Abstract]
Schedule of Weighted Average Number of Shares [Table Text Block]	2015 2014 2013 Average number of common shares outstanding 6,953,849 6,948,789 6,947,974 Effect of dilutive options 3,245 10,345 20,419 Average number of common shares outstanding used to calculate diluted earnings per common share 6,957,094 6,959,134 6,968,393

Note 3 - Securities (Tables)

Note 3 - Securities (Tables)	12 Months Ended
	Dec. 31, 2015
Investments, Debt and Equity Securities [Abstract]
Available-for-sale Securities [Table Text Block]	December 31, 2015 Available for sale: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 216,897 $ 519 $ 4,952 $ 212,464 States and political subdivisions 15,934 541 --- 16,475 Mortgage-backed securities 1,199 120 --- 1,319 Corporate debt securities 6,015 22 291 5,746 Other securities 189 --- 62 127 Total securities available for sale $ 240,234 $ 1,202 $ 5,305 $ 236,131 December 31, 2014 Available for sale: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 197,740 $ 973 $ 4,494 $ 194,219 States and political subdivisions 18,529 851 --- 19,380 Mortgage-backed securities 1,830 184 --- 2,014 Corporate debt securities 6,991 140 27 7,104 Other securities 189 --- 62 127 Total securities available for sale $ 225,279 $ 2,148 $ 4,583 $ 222,844
Investments Classified by Contractual Maturity Date [Table Text Block]	December 31, 20 15 Available for sale: Amortized Cost Fair Value Due in one year or less $ 974 $ 992 Due after one year through five years 68,172 68,177 Due after five years through ten years 32,062 31,836 Due after ten years 138,837 134,999 No maturity 189 127 $ 240,234 $ 236,131 December 31, 20 15 Amortized Fair Due in one year or less $ 1,160 $ 1,168 Due after one year through five years 13,011 13,849 Due after five years through ten years 21,288 22,317 Due after ten years 116,569 120,698 $ 152,028 $ 158,032
Held-to-maturity Securities [Table Text Block]	December 31, 2015 Held to maturity: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 13,909 $ 288 $ 177 $ 14,020 States and political subdivisions 136,373 6,179 330 142,222 Mortgage-backed securities 327 36 --- 363 Corporate debt securities 1,419 10 2 1,427 Total securities held to maturity $ 152,028 $ 6,513 $ 509 $ 158,032 December 31, 20 14 Held to maturity: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 18,922 $ 350 $ 245 $ 19,027 States and political subdivisions 140,702 6,823 727 146,798 Mortgage-backed securities 415 51 --- 466 Corporate debt securities 1,413 1 2 1,412 Total securities held to maturity $ 161,452 $ 7,225 $ 974 $ 167,703
Schedule of Temporary Impairment Losses, Investments [Table Text Block]	December 31, 2015 Less Than 12 Months 12 Months or More Fair Unrealized Fair Unrealized U. S. Government agencies and corporations $ 88,255 $ 1,800 $ 84,959 $ 3,329 State and political subdivisions 3,449 24 10,161 306 Corporate debt securities 4,974 292 200 1 Other securities --- --- 127 62 Total temporarily impaired securities $ 96,678 $ 2,116 $ 95,447 $ 3,698 December 31, 2014 Less Than 12 Months 12 Months or More Fair Unrealized Fair Unrealized U. S. Government agencies and corporations $ 6,964 $ 30 $ 156,149 $ 4,709 State and political subdivisions 1,222 35 19,818 692 Corporate debt securities 450 2 1,948 27 Other securities --- --- 127 62 Total temporarily impaired securities $ 8,636 $ 67 $ 178,042 $ 5,490

Note 5 - Allowance for Loan L31

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)	12 Months Ended
	Dec. 31, 2015
Disclosure Text Block Supplement [Abstract]
Allowance for Credit Losses on Financing Receivables [Table Text Block]	Years ended December 31, 2015 2014 2013 Balance at beginning of year $ 8,263 $ 8,227 $ 8,349 Loans charged off (2,120 ) (1,860 ) (1,820 ) Recoveries of loans previously charged off 145 255 167 Provision for loan losses 2,009 1,641 1,531 Balance at end of year $ 8,297 $ 8,263 $ 8,227 Activity in th e Allowance for Loan Losses by S egment for the year ended December 31 , 201 5 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Balance, December 31, 2014 $ 612 $ 1,662 $ 3,537 $ 1,475 $ 327 $ 602 $ 48 $ 8,263 Charge-offs --- (205 ) (1,114 ) (490 ) --- (311 ) --- (2,120 ) Recoveries --- 2 49 1 --- 93 --- 145 Provision for loan losses (36 ) 407 1,637 (331 ) 109 243 (20 ) 2,009 Balance, December 31, 2015 $ 576 $ 1,866 $ 4,109 $ 655 $ 436 $ 627 $ 28 $ 8,297 Activity in th e Allowance for Loan Losses by S egment for the year ended December 31 , 201 4 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Balance, December 31, 2013 $ 863 $ 1,697 $ 3,685 $ 989 $ 132 $ 576 $ 285 $ 8,227 Charge-offs (2 ) (222 ) (1,201 ) (89 ) --- (346 ) --- (1,860 ) Recoveries --- --- 50 132 --- 73 --- 255 Provision for loan losses (249 ) 187 1,003 443 195 299 (237 ) 1,641 Balance, December 31, 2014 $ 612 $ 1,662 $ 3,537 $ 1,475 $ 327 $ 602 $ 48 $ 8,263 Activity in th e Allowance for Loan Losses by S egment for the year ended December 31 , 201 3 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Balance, December 31, 2012 $ 1,070 $ 2,263 $ 3,442 $ 959 $ 142 $ 424 $ 49 $ 8,349 Charge-offs (184 ) (256 ) (64 ) (968 ) --- (348 ) --- (1,820 ) Recoveries 44 1 25 18 --- 79 --- 167 Provision for loan losses (67 ) (311 ) 282 980 (10 ) 421 236 1,531 Balance, December 31, 2013 $ 863 $ 1,697 $ 3,685 $ 989 $ 132 $ 576 $ 285 $ 8,227
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]	Allowance for Loan Losses by Segment and Evaluation Method as of December 31, 2015 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Individually evaluated for impairment $ --- $ 22 $ 23 $ --- $ --- $ --- $ --- $ 45 Collectively evaluated for impairment 576 1,844 4,086 655 436 627 28 8,252 Total $ 576 $ 1,866 $ 4,109 $ 655 $ 436 $ 627 $ 28 $ 8,297 Loans by Segment and Evaluation Method as of December 31, 2015 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Individually evaluated for impairment $ 718 $ 962 $ 12,575 $ 1,091 $ --- $ --- $ --- $ 15,346 Collectively evaluated for impairment 47,533 142,542 296,803 36,480 51,335 29,845 --- 604,538 Total $ 48,251 $ 143,504 $ 309,378 $ 37,571 $ 51,335 $ 29,845 $ --- $ 619,884 Allowance for Loan Losses by Segment and Evaluation Method as of December 31, 2014 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Individually evaluated for impairment $ --- $ 14 $ 258 $ 10 $ --- $ --- $ --- $ 282 Collectively evaluated for impairment 612 1,648 3,279 1,465 327 602 48 7,981 Total $ 612 $ 1,662 $ 3,537 $ 1,475 $ 327 $ 602 $ 48 $ 8,263 Loans by Segment and Evaluation Method as of December 31, 2014 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Individually evaluated for impairment $ --- $ 819 $ 13,624 $ 678 $ --- $ --- $ --- $ 15,121 Collectively evaluated for impairment 45,562 146,220 297,138 32,735 41,361 28,182 --- 591,198 Total $ 45,562 $ 147,039 $ 310,762 $ 33,413 $ 41,361 $ 28,182 $ --- $ 606,319
Schedule of Ratios for Allowance for Loan Losses [Table Text Block]	December 31, 2015 2014 Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees 1.34 % 1.36 % Ratio of net charge-offs to average loans, net of unearned income and deferred fees 0.32 % 0.27 %
Schedule of Nonperforming Assets [Table Text Block]	December 31, 2015 2014 Nonperforming assets: Nonaccrual loans $ 2,043 $ 3,999 Restructured loans in nonaccrual 4,639 5,288 Total nonperforming loans 6,682 9,287 Other real estate owned, net 4,165 4,744 Total nonperforming assets $ 10,847 $ 14,031 Ratio of nonperforming assets to loans, net of unearned income and deferred fees, plus other real estate owned 1.74 % 2.30 % Ratio of allowance for loan losses to nonperforming loans ( 1 ) 124.17 % 88.97 %
Summary of Past Due 90 Days Loans Or More and Impaired Loans [Table Text Block]	December 31, 2015 2014 Loans past due 90 days or more and still accruing $ 156 $ 207 Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees 0.03 % 0.03 % Accruing restructured loans $ 8,814 $ 6,040 Impaired loans: Impaired loans with no valuation allowance $ 12,973 $ 7,615 Impaired loans with a valuation allowance 2,373 7,506 Total impaired loans 15,346 15,121 Valuation allowance (45 ) (282 ) Impaired loans, net of allowance $ 15,301 $ 14,839 Average recorded investment in impaired loans (1) $ 17,297 $ 16,311 Income recognized on impaired loans, after designation as impaired $ 769 $ 473 Amount of income recognized on a cash basis $ --- $ ---
Impaired Financing Receivables [Table Text Block]	Impaired Loans as of December 31, 2015 Principal Balance (A) Total Recorded Investment (1) Recorded Investment (1) for Which There is No Related Allowance Recorded Investment (1) (A) for Which There is a Related Allowance Related Allowance Real Estate Construction (2) Construction 1-4 family residential $ 718 $ 718 $ 718 $ --- $ --- Co nsumer Real Estate (2) Residential closed-end first liens 713 669 305 364 13 Residential closed-end junior liens 218 218 --- 218 5 Investor-owned residential real estate 75 75 --- 75 4 Commercial Real Estate (2) Multifamily real estate 1,988 1,728 1,728 --- --- Commercial real estate, owner occupied 5,068 5,020 3,304 1,716 23 Commercial real estate, other 5,990 5,827 5,827 --- --- Commercial Non Real Estate (2) Commercial and Industrial 1,099 1,091 1,091 --- --- Total $ 15,869 $ 15,346 $ 12,973 $ 2,373 $ 45 Impaired Loans as of December 31, 2014 Principal Balance (A) Total Recorded Investment (1) Recorded Investment (1) for Which There is No Related Allowance Recorded Investment (1) (A) for Which There is a Related Allowance Related Allowance Co nsumer Real Estate (2) Residential closed-end first liens $ 530 $ 503 $ 311 $ 192 $ 2 Residential closed-end junior liens 239 239 --- 239 8 Investor-owned residential real estate 77 77 --- 77 4 Commercial Real Estate (2) Multifamily real estate 2,911 2,735 868 1,866 170 Commercial real estate, owner occupied 4,919 4,821 3,314 1,508 74 Commercial real estate, other 6,080 6,068 3,072 2,996 14 Commercial Non Real Estate (2) Commercial and Industrial 678 678 50 628 10 Total $ 15,434 $ 15,121 $ 7,615 $ 7,506 $ 282
Impaired Financing Receivable, Average Investment and Interest Income [Table Text Block]	Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2015 Average Recorded Investment (1) Interest Income Recognized Real Estate Construction (2) Construction 1-4 family residential $ 612 $ 23 Consumer Real Estate (2) Residential closed-end first liens 681 43 Residential closed-end junior liens 228 15 Investor-owned residential real estate 76 5 Commercial Real Estate (2) Multifamily real estate 2,581 84 Commercial real estate, owner occupied 6,141 251 Commercial real estate, other 5,888 308 Commercial Non Real Estate (2) Commercial and Industrial 1,090 40 Total $ 17,297 $ 769 Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2014 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate (2) Residential closed-end first liens $ 555 $ 31 Residential closed-end junior liens 249 16 Investor-owned residential real estate 77 5 Commercial Real Estate (2) Multifamily real estate 2,773 --- Commercial real estate, owner occupied 5,836 203 Commercial real estate, other 6,114 175 Commercial Non Real Estate (2) Commercial and Industrial 707 43 Total $ 16,311 $ 473 Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2013 Average Recorded Investment (1) Interest Income Recognized Real Estate Construction (2) Construction, residential $ 40 $ --- Construction, other 2,885 --- Consumer Real Estate (2) Residential closed-end first liens 364 3 Residential closed-end junior liens 280 9 Investor-owned residential real estate 131 6 Commercial Real Estate (2) Multifamily real estate 4,172 --- Commercial real estate, owner occupied 5,265 136 Commercial real estate, other 3,369 110 Commercial Non Real Estate (2) Commercial and Industrial 117 3 Consumer Non Real Estate (2) Automobile 31 --- Total $ 16,654 $ 267
Past Due Financing Receivables [Table Text Block]	December 31, 2015 30 – 89 Days Past Due 90 or M ore Days Past Due 90 or More Days Past Due and Still Accruing Nonaccruals (Including Impaired Nonaccruals) Real Estate Construction Construction, residential $ --- $ --- $ --- $ 718 Construction, other 26 --- --- --- Consumer Real Estate Equity lines 16 --- --- --- Residential closed-end first liens 1,402 106 106 14 Residential closed-end junior liens 123 39 39 --- Investor-owned residential real estate 248 --- --- --- Commercial Real Estate Multifamily real estate 684 1,728 --- 1,728 Commercial real estate, owner occupied --- 357 --- 494 Commercial real estate, other --- --- --- 2,845 Commercial Non Real Estate Commercial and Industrial 142 883 --- 883 Public Sector and IDA Public sector and IDA --- --- --- --- Consumer Non Real Estate Credit cards 5 6 6 --- Automobile 286 5 5 --- Other consumer loans 60 --- --- --- Total $ 2,992 $ 3,124 $ 156 $ 6,682 December 31, 2014 30 – 89 Days Past Due 90 or M ore Days Past Due 90 or More Days Past Due and Still Accruing Nonaccruals (Including Impaired Nonaccruals) Real Estate Construction Construction, residential $ --- $ --- $ --- $ --- Construction, other 28 --- --- --- Consumer Real Estate Equity lines 25 --- --- --- Residential closed-end first liens 719 185 80 105 Residential closed-end junior liens 74 1 1 --- Investor-owned residential real estate 336 45 --- 59 Commercial Real Estate Multifamily real estate 850 868 --- 2,735 Commercial real estate, owner occupied --- 1,066 102 2,573 Commercial real estate, other --- 70 --- 3,066 Commercial Non Real Estate Commercial and Industrial 153 43 --- 749 Public Sector and IDA Public sector and IDA --- --- --- --- Consumer Non Real Estate Credit cards 3 4 4 --- Automobile 205 20 20 --- Other consumer loans 54 --- --- --- Total $ 2,447 $ 2,302 $ 207 $ 9,287
Financing Receivable Credit Quality Indicators [Table Text Block]	Pass Special Mention (Excluding Impaired) Classified (Excluding Impaired) Real Estate Construction Construction, 1-4 family residential $ 10,626 $ 3,694 $ --- Construction, other 33,213 --- --- Consumer Real Estate Equity lines 16,236 15 87 Closed-end first liens 78,614 708 1,370 Closed-end junior liens 4,983 55 61 Investor-owned residential real estate 39,616 31 766 Commercial Real Estate Multifamily residential real estate 77,060 --- 1,804 Commercial real estate owner-occupied 121,741 1,165 1,274 Commercial real estate, other 93,701 58 --- Commercial Non Real Estate Commercial and Industrial 35,652 285 543 Public Sector and IDA States and political subdivisions 51,335 --- --- Consumer Non Real Estate Credit cards 5,773 --- --- Automobile 12,414 102 138 Other consumer 11,359 31 28 Total $ 592,323 $ 6,144 $ 6,071 Pass Special Mention (Excluding Impaired) Classified (Excluding Impaired) Real Estate Construction Construction, 1-4 family residential $ 14,222 $ --- $ 2,265 Construction, other 29,047 --- 28 Consumer Real Estate Equity lines 15,861 59 60 Closed-end first liens 78,806 1,566 1,412 Closed-end junior liens 4,258 21 95 Investor-owned residential real estate 42,781 688 614 Commercial Real Estate Multifamily residential real estate 73,611 1,397 850 Commercial real estate owner-occupied 125,643 202 2,855 Commercial real estate, other 90,821 1,177 582 Commercial Non Real Estate Commercial and Industrial 31,247 97 1,390 Public Sector and IDA States and political subdivisions 41,361 --- --- Consumer Non Real Estate Credit cards 5,705 --- --- Automobile 11,505 93 128 Other consumer 10,745 --- 6 Total $ 575,613 $ 5,300 $ 10,285
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	Restructurings that occurred during the year ended December 31, 201 5 Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment (1) Real Estate Construction Construction, 1-4 family residential 2 $ 718 $ 718 Commercial Real Estate Commercial real estate owner-occupied 3 2,710 2,623 Commercial N on R eal E state Commercial and industrial 1 200 200 Total 6 $ 3,628 $ 3,541 Restructurings that occurred during the year ended December 31, 201 4 Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment (1) Consumer Real Estate Closed-end first liens 1 $ 126 $ 143 Commercial Real Estate Multifamily residential real estate 1 2,484 2,484 Commercial real estate owner-occupied 1 184 208 Commercial real estate non owner-occupied 2 2,967 3,008 Total 5 $ 5,761 $ 5,843

Note 6 - Premises and Equipme32

Note 6 - Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2015
Property, Plant and Equipment [Abstract]
Property, Plant and Equipment [Table Text Block]	December 31, 2015 2014 Premises $ 13,097 $ 13,338 Furniture and equipment 6,600 10,707 Premises and equipment $ 19,697 $ 24,045 Accumulated depreciation (10,677 ) (14,914 ) Premises and equipment, net $ 9,020 $ 9,131

Note 7 - Deposits (Tables)

Note 7 - Deposits (Tables)	12 Months Ended
	Dec. 31, 2015
Disclosure Text Block [Abstract]
Scheduled Maturities of Time Deposits [Table Text Block]	2016 112,071 2017 43,771 2018 20,290 2019 7,257 2020 8,994 Thereafter --- $ 192,383

Note 8 - Employee Benefit Pla34

Note 8 - Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2015
Compensation and Retirement Disclosure [Abstract]
Schedule of Defined Benefit Plans Disclosures [Table Text Block]	December 31, 2015 2014 2013 Change in benefit obligation Projected benefit obligation at beginning of year $ 19,324 $ 17,185 $ 18,054 Service cost 620 524 596 Interest cost 669 663 617 Actuarial (gain) loss 798 1,674 (1,149 ) Benefits paid (984 ) (722 ) (933 ) Projected benefit obligation at end of year $ 20,427 $ 19,324 $ 17,185 Change in plan assets Fair value of plan assets at beginning of year $ 17,130 $ 16,605 $ 14,325 Actual return on plan assets (155 ) 884 2,225 Employer contribution 140 363 988 Benefits paid (984 ) (722 ) (933 ) Fair value of plan assets at end of year $ 16,131 $ 17,130 $ 16,605 Funded status at the end of the year $ (4,296 ) $ (2,194 ) $ (580 ) Amounts recognized in the Consolidated Balance Sheet Deferred tax asset $ 1,504 $ 768 $ 203 Other liabilities (4,296 ) (2,194 ) (580 ) Total amounts recognized in the Consolidated Balance Sheet $ (2,792 ) $ (1,426 ) $ (377 ) Amounts recognized in acc umulated other comprehensive (loss), net Net loss $ (8,627 ) $ (6,922 ) $ (5,282 ) Prior service cost 559 669 779 Deferred tax asset 2,798 2,163 1,550 Amount recognized $ (5,270 ) $ (4,090 ) $ (2,953 ) Accrued/Prepaid benefit cost, net Benefit obligation $ (20,427 ) $ (19,324 ) $ (17,185 ) Fair value of assets 16,131 17,130 16,605 Unrecognized net actuarial loss 8,627 6,922 5,282 Unrecognized prior service cost (559 ) (669 ) (779 ) Deferred tax liability (1,294 ) (1,395 ) (1,347 ) Prepaid benefit cost included in other liabilities $ 2,478 $ 2,664 $ 2,576 Components of net periodic benefit cost Service cost $ 620 $ 524 $ 596 Interest cost 669 663 617 Expected return on plan assets (1,166 ) (1,112 ) (984 ) Amortization of prior service cost (110 ) (110 ) (101 ) Recognized net actuarial loss 414 262 532 Net periodic benefit cost $ 427 $ 227 $ 660 Other changes in plan assets and benefit obligations recognized in other comprehensive loss Net (gain) loss $ 1,705 $ 1,640 $ (2,921 ) Amortization of prior service cost 110 110 101 Deferred income tax expense (benefit) (635 ) (612 ) 987 Total recognized $ 1,180 $ 1,138 $ (1,833 ) Total recognized in net periodic benefit cost and other comprehensive loss $ 2,242 $ 1,977 $ (2,160 ) Weighted average assumptions at end of the year Discount rate used for net periodic pension cost 3.75 % 4.50 % 3.75 % Discount rate used for disclosure 4.00 % 3.75 % 4.50 % Expected return on plan assets 7.50 % 7.50 % 7.50 % Rate of compensation increase 3.00 % 3.00 % 3.00 %
Schedule of Allocation of Plan Assets [Table Text Block]	Fair Value Measurements at December 31, 20 15 Asset Category Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Cash $ 876 $ 876 $ --- $ --- Equity securities: U. S. companies 9,600 9,600 --- --- International companies 404 404 --- --- Equities mutual funds (1) 195 195 --- --- U. S. government agencies and corporations 104 --- 104 --- State and political subdivisions 233 --- 233 --- Corporate bonds – investment grade (2) 4,719 --- 4,719 --- Total pension plan assets $ 16,131 $ 11,075 $ 5,056 $ --- Fair Value Measurements at December 31, 20 14 Asset Category Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Cash $ 737 $ 737 $ --- $ --- Equity securities: U. S. companies 8,729 8,729 --- --- International companies 274 274 --- --- Equities mutual funds (1) 1,861 1,861 --- --- U. S. government agencies and corporations 107 --- 107 --- State and political subdivisions 365 --- 365 --- Corporate bonds – investment grade (2) 5,057 --- 5,057 --- Total pension plan assets $ 17,130 $ 11,601 $ 5,529 $ ---
Schedule of Expected Benefit Payments [Table Text Block]	2016 $ 3,737 2017 $ 2,118 2018 $ 1,117 2019 $ 814 2020 $ 1,386 2021 - 2025 $ 3,883

Note 9 - Stock Option Plan (Tab

Note 9 - Stock Option Plan (Tables)	12 Months Ended
	Dec. 31, 2015
Disclosure of Compensation Related Costs, Share-based Payments [Abstract]
Schedule of Share-based Compensation, Stock Options, Activity [Table Text Block]	Weighted- Outstanding at January 1, 2015 20,500 $ 23.00 Granted --- --- Exercised (7,500 ) 23.00 Forfeited or expired (13,000 ) 23.00 Outstanding at December 31, 2015 --- $ --- --- $ --- Exercisable at December 31, 2015 --- $ --- --- $ ---

Note 10 - Income Taxes (Tables)

Note 10 - Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	Years ended December 31, 2015 2014 2013 Current $ 4,730 $ 5,105 $ 5,253 Deferred expense 10 73 64 Total income tax expense $ 4,740 $ 5,178 $ 5,317
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	Years ended December 31, 2015 2014 2013 Computed “expected” income tax expense $ 7,201 $ 7,732 $ 8,087 Tax-exempt interest income (2,381 ) (2,422 ) (2,592 ) Nondeductible interest expense 101 102 118 Other, net (181 ) (234 ) (296 ) Reported income tax expense $ 4,740 $ 5,178 $ 5,317
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	December 31, 2015 2014 Deferred tax assets: Allowance for loan losses and unearned fee income $ 3,229 $ 3,098 Valuation allowance on other real estate owned 188 37 Deferred compensation and other liabilities 2,829 1,897 Discount accretion of securities 19 28 Net unrealized loss on securities available for sale 1,436 852 Total deferred tax assets $ 7,701 $ 5,912 Deferred tax liabilities: Fixed assets $ (620 ) $ (160 ) Deposit intangibles (1,432 ) (1,312 ) Total deferred tax liabilities (2,052 ) (1,472 ) Net deferred tax assets $ 5,649 $ 4,440

Note 12 - Minimum Regulatory 37

Note 12 - Minimum Regulatory Capital Requirement (Tables)	12 Months Ended
	Dec. 31, 2015
Disclosure Text Block [Abstract]
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Actual Minimum Capital Minimum To Be Well Amount Ratio Amount Ratio Amount Ratio December 31, 2015 Total capital (to risk weighted assets) NBI consolidated $ 184,054 25.5 % $ 57,681 8.0 % N/A N/A NBB 181,926 25.3 % 57,526 8.0 % $ 71,908 10.0 % Tier 1 capital (to risk weighted assets) NBI consolidated $ 175,757 24.4 % $ 43,261 6.0 % N/A N/A NBB 173,629 24.1 % 43,145 6.0 % $ 57,526 8.0 % Common Equity Tier 1 capital (to risk weighted assets) NBI consolidated $ 175,757 24.4 % $ 32,446 4.5 % N/A N/A NBB 173,629 24.1 % 32,358 4.5 % $ 46,740 6.5 % Tier 1 capital (to average assets) NBI consolidated $ 175,757 15.1 % $ 46,594 4.0 % N/A N/A NBB 173,629 14.9 % 46,648 4.0 % $ 58,310 5.0 % Actual Minimum Capital Minimum To Be Well Amount Ratio Amount Ratio Amount Ratio December 31, 2014 Total capital (to risk weighted assets) NBI consolidated $ 172,976 24.9 % $ 55,615 8.0 % N/A N/A NBB 170,665 24.6 % 55,438 8.0 % $ 69,298 10.0 % Tier 1 capital (to risk weighted assets) NBI consolidated $ 164,713 23.7 % $ 27,807 4.0 % N/A N/A NBB 162,402 23.4 % 27,719 4.0 % $ 41,579 6.0 % Tier 1 capital (to average assets) NBI consolidated $ 164,713 14.6 % $ 45,122 4.0 % N/A N/A NBB 162,402 14.4 % 45,074 4.0 % $ 56,342 5.0 %

Note 13 - Condensed Financial38

Note 13 - Condensed Financial Statements of Parent Company (Tables)	12 Months Ended
	Dec. 31, 2015
Condensed Financial Information of Parent Company Only Disclosure [Abstract]
Condensed Balance Sheet [Table Text Block]	December 31, 2015 2014 Assets Cash due from subsidiaries $ 19 $ 10 Interest-bearing deposits 170 477 Securities available for sale 127 127 Securities held to maturity (fair value approximates $449 at December 31, 2015 and $450 at December 31, 2014) 451 452 Investments in subsidiaries, at equity 172,017 165,647 Other assets 56 188 Total assets $ 172,840 $ 166,901 Liabilities a nd Stockholders’ Equity Other liabilities $ 726 $ 598 Stockholders’ equity 172,114 166,303 Total liabilities and stockholders’ equity $ 172,840 $ 166,901
Condensed Income Statement [Table Text Block]	Condensed Statements of Income Years Ended December 31, 2015 2014 2013 Income Dividends from subsidiaries $ 7,930 $ 7,853 $ 7,882 Interest on securities – taxable 3 2 2 Interest on securities – nontaxable --- 1 19 Realized securities losses, net --- --- (94 ) Other income 1,208 1,250 1,219 $ 9,141 $ 9,106 $ 9,028 Expenses Other expenses $ 2,051 $ 2,046 $ 1,943 Income before income tax benefit and equity in undistributed net income of subsidiaries 7,090 7,060 7,085 Applicable income tax benefit 210 136 160 Income before equity in undistributed net income of subsidiaries 7,300 7,196 7,245 Equity in undistributed net income of subsidiaries 8,533 9,718 10,545 Net income $ 15,833 $ 16,914 $ 17,790
Condensed Cash Flow Statement [Table Text Block]	Condensed Statements of Cash Flows Years ended December 31, 2015 2014 2013 Cash Flows f rom Operating Expenses Net income $ 15,833 $ 16,914 $ 17,790 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (8,533 ) (9,718 ) (10,545 ) Amortization of premiums and accretion of discounts, net 1 1 --- Depreciation expense 3 9 17 Losses on disposal of fixed assets 2 94 --- Net change in refundable income taxes due from subsidiaries 106 96 77 Net change in other assets (81 ) (63 ) 3 Net change in other liabilities 128 (33 ) 20 Losses on securities --- --- 94 Net cash provided by operating activities 7,459 7,300 7,456 Cash Flows f rom Investing Activities Net change in interest-bearing deposits 307 213 (2 ) Purchases of securities available for sale --- --- (612 ) Purchases of securities held to maturity --- (453 ) --- Maturities and calls of securities available for sale --- 455 945 Proceeds from sale of premises and equipment --- 263 --- Net cash provided by investing activities 307 478 331 Cash Flows f rom Financing Activities Cash dividends paid (7,930 ) (7,853 ) (7,781 ) Exercise of stock options 173 58 --- Net cash used in financing activities (7,757 ) (7,795 ) (7,781 ) Net change in cash 9 17 6 Cash due from subsidiaries at beginning of year 10 27 21 Cash due from subsidiaries at end of year $ 19 $ 10 $ 27

Note 14 - Financial Instrumen39

Note 14 - Financial Instruments with Off-balance Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2015
Disclosure Text Block Supplement [Abstract]
Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]	December 31, 2015 2014 Financial instruments whose contract amounts represent credit risk: Commitments to extend credit $ 125,934 $ 144,578 Standby letters of credit 15,248 14,677 Mortgage loans sold with potential recourse 17,571 10,248

Note 16 - Fair Value Measurem40

Note 16 - Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2015
Fair Value Disclosures [Abstract]
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Fair Value Measurements at December 31, 2015 Using Description Balance as of Quoted Prices Significant Significant Inputs U.S. Government agencies and corporations $ 212,464 $ --- $ 212,464 $ --- States and political subdivisions 16,475 --- 16,475 --- Mortgage-backed securities 1,319 --- 1,319 --- Corporate debt securities 5,746 --- 5,746 --- Other securities 127 --- 127 --- Total securities available for sale $ 236,131 $ --- $ 236,131 $ --- Fair Value Measurements at December 31, 2014 Using Description Balance as of Quoted Prices Significant Significant Inputs U.S. Government agencies and corporations $ 194,219 $ --- $ 194,219 $ --- States and political subdivisions 19,380 --- 19,380 --- Mortgage-backed securities 2,014 --- 2,014 --- Corporate debt securities 7,104 --- 7,104 --- Other securities 127 --- 127 --- Total securities available for sale $ 222,844 $ --- $ 222,844 $ ---
Fair Value Measurements, Nonrecurring [Table Text Block]	Carrying value Date Description Balance Quoted Prices Significant Significant Inputs Assets: December 31, 2015 Impaired loans net of valuation allowance $ 2,328 $ --- $ --- $ 2,328 December 31, 2014 Impaired loans net of valuation allowance 7,224 --- --- 7,224 Carrying Value Date Description Balance Quoted Prices Significant Significant Inputs Assets: December 31, 2015 Other real estate owned net of valuation allowance $ 4,165 $ --- $ --- $ 4,165 December 31, 2014 Other real estate owned net of valuation allowance 4,744 --- --- 4,744
Fair Value Inputs, Assets, Quantitative Information [Table Text Block]	Valuation Technique Unobservable Input Range (Weighted Average) Impaired loans Present value of cash flows Discount rate 6.00% - 7.38% (6.56%) Valuation Technique Unobservable Input Range (Weighted Average) Impaired loans Discounted appraised value Selling cost (1) 10% Impaired loans Present value of cash flows Discount rate 5.88% - 9.50% (6.15%) Valuation Technique Unobservable Input Range (Weighted Average) Other real estate owned Discounted appraised value Selling cost 0% - 10.00% (5.89%) Other real estate owned Discounted appraised value Discount for lack of marketability and age of appraisal 0% - 50.01% (10.16%) Valuation Technique Unobservable Input Range (Weighted Average) Other real estate owned Discounted appraised value Selling cost 0% - 11% (8.60%) Other real estate owned Discounted appraised value Discount for lack of marketability and age of appraisal 0% - 48.77% (20.81%)
Fair Value, by Balance Sheet Grouping [Table Text Block]	December 31, 2015 Estimated Fair Value Carrying Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 12,152 $ 12,152 $ --- $ --- Interest-bearing deposits 130,811 130,811 --- --- Securities 388,159 --- 394,163 --- Restricted securities 1,129 --- 1,129 --- Mortgage loans held for sale 634 --- 634 --- Loans, net 610,711 --- --- 621,590 Accrued interest receivable 5,769 --- 5,769 --- Bank-owned life insurance 22,401 --- 22,401 --- Financial liabilities: Deposits $ 1,018,859 $ --- $ 826,476 $ 193,912 Accrued interest payable 56 --- 56 --- December 31, 2014 Estimated Fair Value Carrying Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 12,894 $ 12,894 $ --- $ --- Interest-bearing deposits 102,548 102,548 --- --- Securities 384,296 --- 390,547 --- Restricted securities 1,089 --- 1,089 --- Mortgage loans held for sale 291 --- 291 --- Loans, net 597,203 --- --- 633,063 Accrued interest receivable 5,748 --- 5,748 --- Bank-owned life insurance 21,797 --- 21,797 --- Financial liabilities: Deposits $ 982,428 $ --- $ 765,682 $ 216,469 Accrued interest payable 68 --- 68 ---

Note 17 - Components of Accum41

Note 17 - Components of Accumulated Other Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2015
Disclosure Text Block [Abstract]
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	Net Unrealized Gain (Loss) on Securities Adjustments Related to Pension Benefits Accumulated Other Comprehensive Income (Loss) Balance at December 31, 20 12 $ 2,047 $ (4,785 ) $ (2,738 ) Unrealized holding loss on available for sale securities net of tax of ($8,665) (16,091 ) --- (16,091 ) Reclassification adjustment, net of tax of $19 33 --- 33 Net pension gain arising during the period, net of tax of $1,022 --- 1,898 1,898 Less amortization of prior service cost included in net periodic pension cost, net of tax of ($35) --- (66 ) (66 ) Balance at December 31, 201 3 (14,011 ) $ (2,953 ) $ (16,964 ) Unrealized holding gain on available for sale securities net of tax of $6,693 12,430 --- 12,430 Reclassification adjustment, net of tax of ($1) (1 ) --- (1 ) Net pension loss arising during the period, net of tax of ($574) --- (1,066 ) (1,066 ) Less amortization of prior service cost included in net periodic pension cost, net of tax of ($39) --- (71 ) (71 ) Balance at December 31, 201 4 $ (1,582 ) $ (4,090 ) $ (5,672 ) Unrealized holding loss on available for sale securities net of tax of ($571) (1,064 ) --- (1,064 ) Reclassification adjustment, net of tax of ($12) (21 ) --- (21 ) Net pension loss arising during the period, net of tax of ($597) --- (1,108 ) (1,108 ) Less amortization of prior service cost included in net periodic pension cost, net of tax of ($38) --- (72 ) (72 ) Balance at December 31, 201 5 $ (2,667 ) $ (5,270 ) $ (7,937 )
Reclassification out of Accumulated Other Comprehensive Income [Table Text Block]	December 31, 201 5 2014 2013 Component of Accumulated Other Comprehensive Income Reclassification out of unrealized gains and losses on available-for-sale securities: Realized securities (gains) losses, net $ (33 ) $ (2 ) $ 52 Income tax expense (benefit) (12 ) (1 ) 19 Realized (gains) losses on available-for-sale securities, net of tax reclassified out of accumulated other comprehensive income $ (21 ) $ (1 ) $ 33 Amortization of defined benefit pension items: Prior service costs (1) $ (110 ) $ (110 ) $ (101 ) Income tax expense (benefit) (38 ) (39 ) (35 ) Amortization of defined benefit pension items net of tax reclassified out of accumulate other comprehensive income $ (72 ) $ (71 ) $ (66 )

Note 18 - Intangible Assets a42

Note 18 - Intangible Assets and Goodwill (Tables)	12 Months Ended
	Dec. 31, 2015
Goodwill and Intangible Assets Disclosure [Abstract]
Schedule of Intangible Assets and Goodwill [Table Text Block]	Gross Carrying Value Accumulated Amortization Net Carrying Value December 31, 2015 Amortizable core deposit intangibles $ 16,257 $ 15,881 $ 376 Unamortizable goodwill 5,848 --- 5,848 Intangible assets and goodwill $ 22,105 $ 15,881 $ 6,224 December 31, 2014 Amortizable core deposit intangibles $ 16,257 $ 14,882 $ 1,375 Unamortizable goodwill 5,848 --- 5,848 Intangible assets and goodwill $ 22,105 $ 14,882 $ 7,223
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]	2016 258 2017 68 2018 50 Thereafter --- Total $ 376

Note 1 - Summary of Significa43

Note 1 - Summary of Significant Accounting Policies (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Note 1 - Summary of Significant Accounting Policies (Details) [Line Items]
Number of Days of Delinquent Loans Nonaccrual of Interest	90 days
Minimum Number of Days of Discontinued Loan Payments for Modified Loan to be Placed on Nonaccrual	90 days
Number of Days Past Due	30 days
Threshold for Designation to Impaired Status (in Dollars)	$ 250,000
Minimum Number of Days Consumer Loans are Past Due for Losses to be Charged Off	120 days
Maximum Number of Days Consumer Loans are Past Due for Losses to be Charged Off	180 days
Number of Days Loans Secured by Residential or Commercia lReal Estate are Past Due for Losses to beC harged Off	180 days
Period of Time Between Issuance of Loan Commitment and Closing and Sale of Loans Lower Range	30 days
Period of Time Between Issuance of Loan Commitments and Closing and Sale of Loans Upper Range	60 days
Finite-Lived Intangible Asset, Useful Life	3 years
Noncontrolling Interest, Ownership Percentage by Parent	100.00%
Goodwill, Impairment Loss (in Dollars)	$ 0	$ 0	$ 0
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in Shares)	0	0	0
Advertising Expense (in Dollars)	$ 105	$ 174	$ 194
Building [Member]
Note 1 - Summary of Significant Accounting Policies (Details) [Line Items]
Property, Plant and Equipment, Useful Life	40 years
Computer Equipment [Member]
Note 1 - Summary of Significant Accounting Policies (Details) [Line Items]
Property, Plant and Equipment, Useful Life	3 years
Minimum [Member]
Note 1 - Summary of Significant Accounting Policies (Details) [Line Items]
Finite-Lived Intangible Asset, Useful Life	10 years
Minimum [Member] | Furniture and Fixtures [Member]
Note 1 - Summary of Significant Accounting Policies (Details) [Line Items]
Property, Plant and Equipment, Useful Life	3 years
Maximum [Member]
Note 1 - Summary of Significant Accounting Policies (Details) [Line Items]
Finite-Lived Intangible Asset, Useful Life	12 years
Maximum [Member] | Furniture and Fixtures [Member]
Note 1 - Summary of Significant Accounting Policies (Details) [Line Items]
Property, Plant and Equipment, Useful Life	10 years

Note 1 - Summary of Significa44

Note 1 - Summary of Significant Accounting Policies (Details) - Weighted Average Number of Shares - shares	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Weighted Average Number of Shares [Abstract]
Average number of common shares outstanding	6,953,849	6,948,789	6,947,974
Effect of dilutive options	3,245	10,345	20,419
Average number of common shares outstanding used to calculate diluted earnings per common share	6,957,094	6,959,134	6,968,393

Note 3 - Securities (Details)

Note 3 - Securities (Details) $ in Thousands	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Note 3 - Securities (Details) [Line Items]
Number of Temporarily Impaired Securities	209
Available-for-sale and Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value	$ 192,125
Continuous Unrealized Loss Position, Aggregate Losses	$ 5,814
Number of Temporarily Impaired Securities, Greater Than Twelve Months	106
Continuous Unrealized Loss Position, Twelve Months Or Longer, Fair Value	$ 95,447	$ 178,042
Continuous Unrealized Loss Position, 12 Months Or Longer, Aggregate Losses	3,698	5,490
Available-for-sale Securities Pledged as Collateral	$ 156,721	157,951
US Government Agencies Debt Securities [Member]
Note 3 - Securities (Details) [Line Items]
Number of Temporarily Impaired Securities	178
Available-for-sale and Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value	$ 173,214
Continuous Unrealized Loss Position, Aggregate Losses	5,129
Continuous Unrealized Loss Position, Twelve Months Or Longer, Fair Value	84,959	156,149
Continuous Unrealized Loss Position, 12 Months Or Longer, Aggregate Losses	$ 3,329	4,709
US States and Political Subdivisions Debt Securities [Member]
Note 3 - Securities (Details) [Line Items]
Number of Temporarily Impaired Securities	23
Available-for-sale and Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value	$ 13,610
Continuous Unrealized Loss Position, Aggregate Losses	330
Continuous Unrealized Loss Position, Twelve Months Or Longer, Fair Value	10,161	19,818
Continuous Unrealized Loss Position, 12 Months Or Longer, Aggregate Losses	$ 306	692
Corporate Debt Securities [Member]
Note 3 - Securities (Details) [Line Items]
Number of Temporarily Impaired Securities	7
Available-for-sale and Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value	$ 5,174
Continuous Unrealized Loss Position, Aggregate Losses	293
Continuous Unrealized Loss Position, Twelve Months Or Longer, Fair Value	200	1,948
Continuous Unrealized Loss Position, 12 Months Or Longer, Aggregate Losses	$ 1	27
Other Securities [Member]
Note 3 - Securities (Details) [Line Items]
Number of Temporarily Impaired Securities	1
Available-for-sale and Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value	$ 127
Continuous Unrealized Loss Position, Aggregate Losses	62
Federal Home Loan Bank of Atlanta [Member] | National Bank of Blacksburg [Member]
Note 3 - Securities (Details) [Line Items]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	440,062
Restricted Stock [Member]
Note 3 - Securities (Details) [Line Items]
Restricted Investments	$ 1,129	$ 1,089

Note 3 - Securities (Details) -

Note 3 - Securities (Details) - Securities Available-for-sale - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Securities available-for-sale, amortized costs	$ 240,234	$ 225,279
Securities available-for-sale, gross unrealized gains	1,202	2,148
Securities available-for-sale, gross unrealized losses	5,305	4,583
Securities available-for-sale, fair value	236,131	222,844
US Government Agencies Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Securities available-for-sale, amortized costs	216,897	197,740
Securities available-for-sale, gross unrealized gains	519	973
Securities available-for-sale, gross unrealized losses	4,952	4,494
Securities available-for-sale, fair value	212,464	194,219
US States and Political Subdivisions Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Securities available-for-sale, amortized costs	15,934	18,529
Securities available-for-sale, gross unrealized gains	541	851
Securities available-for-sale, gross unrealized losses	0	0
Securities available-for-sale, fair value	16,475	19,380
Collateralized Mortgage Backed Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Securities available-for-sale, amortized costs	1,199	1,830
Securities available-for-sale, gross unrealized gains	120	184
Securities available-for-sale, gross unrealized losses	0	0
Securities available-for-sale, fair value	1,319	2,014
Corporate Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Securities available-for-sale, amortized costs	6,015	6,991
Securities available-for-sale, gross unrealized gains	22	140
Securities available-for-sale, gross unrealized losses	291	27
Securities available-for-sale, fair value	5,746	7,104
Other Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Securities available-for-sale, amortized costs	189	189
Securities available-for-sale, gross unrealized gains	0	0
Securities available-for-sale, gross unrealized losses	62	62
Securities available-for-sale, fair value	$ 127	$ 127

Note 3 - Securities (Details)47

Note 3 - Securities (Details) - Securities by Contractual Maturity - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Securities by Contractual Maturity [Abstract]
Due in one year or less	$ 974
Due in one year or less	992
Due after one year through five years	68,172
Due after one year through five years	68,177
Due after five years through ten years	32,062
Due after five years through ten years	31,836
Due after ten years	138,837
Due after ten years	134,999
No maturity	189
No maturity	127
	240,234
	236,131	$ 222,844
Due in one year or less	1,160
Due in one year or less	1,168
Due after one year through five years	13,011
Due after one year through five years	13,849
Due after five years through ten years	21,288
Due after five years through ten years	22,317
Due after ten years	116,569
Due after ten years	120,698
	152,028	161,452
	$ 158,032	$ 167,703

Note 3 - Securities (Details)48

Note 3 - Securities (Details) - Securities Held-to-maturity - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Schedule of Held-to-maturity Securities [Line Items]
Securities held-to-maturity, amortized costs	$ 152,028	$ 161,452
Securities held-to-maturity, gross unrealized gains	6,513	7,225
Securities held-to-maturity, gross unrealized losses	509	974
Securities held-to-maturity, fair value	158,032	167,703
US Government Agencies Debt Securities [Member]
Schedule of Held-to-maturity Securities [Line Items]
Securities held-to-maturity, amortized costs	13,909	18,922
Securities held-to-maturity, gross unrealized gains	288	350
Securities held-to-maturity, gross unrealized losses	177	245
Securities held-to-maturity, fair value	14,020	19,027
US States and Political Subdivisions Debt Securities [Member]
Schedule of Held-to-maturity Securities [Line Items]
Securities held-to-maturity, amortized costs	136,373	140,702
Securities held-to-maturity, gross unrealized gains	6,179	6,823
Securities held-to-maturity, gross unrealized losses	330	727
Securities held-to-maturity, fair value	142,222	146,798
Collateralized Mortgage Backed Securities [Member]
Schedule of Held-to-maturity Securities [Line Items]
Securities held-to-maturity, amortized costs	327	415
Securities held-to-maturity, gross unrealized gains	36	51
Securities held-to-maturity, gross unrealized losses	0	0
Securities held-to-maturity, fair value	363	466
Corporate Debt Securities [Member]
Schedule of Held-to-maturity Securities [Line Items]
Securities held-to-maturity, amortized costs	1,419	1,413
Securities held-to-maturity, gross unrealized gains	10	1
Securities held-to-maturity, gross unrealized losses	2	2
Securities held-to-maturity, fair value	$ 1,427	$ 1,412

Note 3 - Securities (Details)49

Note 3 - Securities (Details) - Securities in a Continuous Loss Position - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Note 3 - Securities (Details) - Securities in a Continuous Loss Position [Line Items]
Securities in a continuous loss position, less than 12 months, fair value	$ 96,678	$ 8,636
Securities in a continuous loss position, less than 12 months, unrealized loss	2,116	67
Securities in a continuous loss position, 12 months or more, fair value	95,447	178,042
Securities in a continuous loss position, 12 months or more, unrealized loss	3,698	5,490
US Government Agencies Debt Securities [Member]
Note 3 - Securities (Details) - Securities in a Continuous Loss Position [Line Items]
Securities in a continuous loss position, less than 12 months, fair value	88,255	6,964
Securities in a continuous loss position, less than 12 months, unrealized loss	1,800	30
Securities in a continuous loss position, 12 months or more, fair value	84,959	156,149
Securities in a continuous loss position, 12 months or more, unrealized loss	3,329	4,709
US States and Political Subdivisions Debt Securities [Member]
Note 3 - Securities (Details) - Securities in a Continuous Loss Position [Line Items]
Securities in a continuous loss position, less than 12 months, fair value	3,449	1,222
Securities in a continuous loss position, less than 12 months, unrealized loss	24	35
Securities in a continuous loss position, 12 months or more, fair value	10,161	19,818
Securities in a continuous loss position, 12 months or more, unrealized loss	306	692
Corporate Debt Securities [Member]
Note 3 - Securities (Details) - Securities in a Continuous Loss Position [Line Items]
Securities in a continuous loss position, less than 12 months, fair value	4,974	450
Securities in a continuous loss position, less than 12 months, unrealized loss	292	2
Securities in a continuous loss position, 12 months or more, fair value	200	1,948
Securities in a continuous loss position, 12 months or more, unrealized loss	1	27
Other Debt Obligations [Member]
Note 3 - Securities (Details) - Securities in a Continuous Loss Position [Line Items]
Securities in a continuous loss position, less than 12 months, fair value	0	0
Securities in a continuous loss position, less than 12 months, unrealized loss	0	0
Securities in a continuous loss position, 12 months or more, fair value	127	127
Securities in a continuous loss position, 12 months or more, unrealized loss	$ 62	$ 62

Note 4 - Related Party Transa50

Note 4 - Related Party Transactions (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Related Party Transactions [Abstract]
Loans and Leases Receivable, Related Parties	$ 8,657	$ 6,628
Loans and Leases Receivable, Related Parties, Additions	4,052
Loans and Leases Receivable, Related Parties, Collections	2,023
Related Party Deposit Liabilities	$ 11,275

Note 5 - Allowance for Loan L51

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Dec. 31, 2015USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)	Dec. 31, 2013USD ($)
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) [Line Items]
Interest and Fee Income, Loans and Leases (in Dollars)		$ 30,446	$ 31,058	$ 32,484
Threshold Period for Considering Loans As Special Mention Or Classified		75 days
Financing Receivable, Modifications, Number of Contracts		6	5
Allowance for Credit Losses, Change in Method of Calculating Impairment (in Dollars)			$ 206
Financing Receivable, Modifications, Subsequent Default, Number of Contracts		0	0
Special Mention [Member]
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) [Line Items]
Increase in Percentage of Allocation Loans Rated Special Mention		50.00%
Classified Excluding Impaired [Member]
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) [Line Items]
Increase in Percentage of Allocation Loans Rated Classified		100.00%
Nonperforming Financial Instruments [Member]
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) [Line Items]
Interest and Fee Income, Loans and Leases (in Dollars)		$ 0	$ 0	$ 0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts		3	1
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Forgive Principal, Reduce Interest Rate, Capitalize Interest, and Re-amortize Payments [Member]
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts		1
Financing Receivable, Modifications, Principal Forgiven (in Dollars)		$ 100
Allowance for Credit Losses, Change in Method of Calculating Impairment (in Dollars)	$ 0	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Interest Only Payments [Member]
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	2
Allowance for Credit Losses, Change in Method of Calculating Impairment (in Dollars)	$ 23	23
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Contractual Interest Rate Reduction [Member]
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts			2
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Non-owner Occupied [Member]
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts			2
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Non-owner Occupied [Member] | Interest Only Payments [Member]
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts			2
Real Estate Construction Portfolio Segment[Member] | Become Non-revolving and Interest Only Payments [Member]
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	2
Allowance for Credit Losses, Change in Method of Calculating Impairment (in Dollars)	$ 0	0
Commercial Portfolio Segment [Member] | Extended Maturity [Member]
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) [Line Items]
Financing Receivable, Modifications, Number of Contracts	1
Allowance for Credit Losses, Change in Method of Calculating Impairment (in Dollars)	$ 0	$ 0

Note 5 - Allowance for Loan L52

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Allowance for Loan Losses - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at beginning of year	$ 8,263	$ 8,227	$ 8,349
Loans charged off	(2,120)	(1,860)	(1,820)
Recoveries of loans previously charged off	145	255	167
Provision for loan losses	2,009	1,641	1,531
Balance at end of year	8,297	8,263	8,227
Real Estate Construction Portfolio Segment[Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at beginning of year	612	863	1,070
Loans charged off	0	(2)	(184)
Recoveries of loans previously charged off	0	0	44
Provision for loan losses	(36)	(249)	(67)
Balance at end of year	576	612	863
Consumer Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at beginning of year	1,662	1,697	2,263
Loans charged off	(205)	(222)	(256)
Recoveries of loans previously charged off	2	0	1
Provision for loan losses	407	187	(311)
Balance at end of year	1,866	1,662	1,697
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at beginning of year	3,537	3,685	3,442
Loans charged off	(1,114)	(1,201)	(64)
Recoveries of loans previously charged off	49	50	25
Provision for loan losses	1,637	1,003	282
Balance at end of year	4,109	3,537	3,685
Commercial Non Real Estate Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at beginning of year	1,475	989	959
Loans charged off	(490)	(89)	(968)
Recoveries of loans previously charged off	1	132	18
Provision for loan losses	(331)	443	980
Balance at end of year	655	1,475	989
Public Sector and IDA Portfolio Segment[Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at beginning of year	327	132	142
Loans charged off	0	0	0
Recoveries of loans previously charged off	0	0	0
Provision for loan losses	109	195	(10)
Balance at end of year	436	327	132
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at beginning of year	602	576	424
Loans charged off	(311)	(346)	(348)
Recoveries of loans previously charged off	93	73	79
Provision for loan losses	243	299	421
Balance at end of year	627	602	576
Unallocated Financing Receivables [Member]
Financing Receivable, Allowance for Credit Losses [Line Items]
Balance at beginning of year	48	285	49
Loans charged off	0	0	0
Recoveries of loans previously charged off	0	0	0
Provision for loan losses	(20)	(237)	236
Balance at end of year	$ 28	$ 48	$ 285

Note 5 - Allowance for Loan L53

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Loans and Allowance for Loan Losses by Evaluation Method - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Loans and Allowance for Loan Losses by Evaluation Method [Line Items]
Allowance for loan losses, individually evaluated for impairment	$ 45	$ 282
Allowance for loan losses, collectively evaluated for impairment	8,252	7,981
Allowance for loan losses	8,297	8,263	$ 8,227	$ 8,349
Loans individually evaluated for impairment	15,346	15,121
Loans collectively evaluated for impairment	604,538	591,198
Total loans	619,884	606,319
Real Estate Construction Portfolio Segment[Member]
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Loans and Allowance for Loan Losses by Evaluation Method [Line Items]
Allowance for loan losses, individually evaluated for impairment	0	0
Allowance for loan losses, collectively evaluated for impairment	576	612
Allowance for loan losses	576	612	863	1,070
Loans individually evaluated for impairment	718	0
Loans collectively evaluated for impairment	47,533	45,562
Total loans	48,251	45,562
Consumer Real Estate Portfolio Segment [Member]
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Loans and Allowance for Loan Losses by Evaluation Method [Line Items]
Allowance for loan losses, individually evaluated for impairment	22	14
Allowance for loan losses, collectively evaluated for impairment	1,844	1,648
Allowance for loan losses	1,866	1,662	1,697	2,263
Loans individually evaluated for impairment	962	819
Loans collectively evaluated for impairment	142,542	146,220
Total loans	143,504	147,039
Commercial Real Estate Portfolio Segment [Member]
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Loans and Allowance for Loan Losses by Evaluation Method [Line Items]
Allowance for loan losses, individually evaluated for impairment	23	258
Allowance for loan losses, collectively evaluated for impairment	4,086	3,279
Allowance for loan losses	4,109	3,537	3,685	3,442
Loans individually evaluated for impairment	12,575	13,624
Loans collectively evaluated for impairment	296,803	297,138
Total loans	309,378	310,762
Commercial Non Real Estate Segment [Member]
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Loans and Allowance for Loan Losses by Evaluation Method [Line Items]
Allowance for loan losses, individually evaluated for impairment	0	10
Allowance for loan losses, collectively evaluated for impairment	655	1,465
Allowance for loan losses	655	1,475	989	959
Loans individually evaluated for impairment	1,091	678
Loans collectively evaluated for impairment	36,480	32,735
Total loans	37,571	33,413
Public Sector and IDA Portfolio Segment[Member]
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Loans and Allowance for Loan Losses by Evaluation Method [Line Items]
Allowance for loan losses, individually evaluated for impairment	0	0
Allowance for loan losses, collectively evaluated for impairment	436	327
Allowance for loan losses	436	327	132	142
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	51,335	41,361
Total loans	51,335	41,361
Consumer Portfolio Segment [Member]
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Loans and Allowance for Loan Losses by Evaluation Method [Line Items]
Allowance for loan losses, individually evaluated for impairment	0	0
Allowance for loan losses, collectively evaluated for impairment	627	602
Allowance for loan losses	627	602	576	424
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	29,845	28,182
Total loans	29,845	28,182
Unallocated Financing Receivables [Member]
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Loans and Allowance for Loan Losses by Evaluation Method [Line Items]
Allowance for loan losses, individually evaluated for impairment	0	0
Allowance for loan losses, collectively evaluated for impairment	28	48
Allowance for loan losses	28	48	$ 285	$ 49
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	0	0
Total loans	$ 0	$ 0

Note 5 - Allowance for Loan L54

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Ratios of Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Ratios of Allowance for Loan Losses [Abstract]
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees	1.34%	1.36%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees	0.32%	0.27%

Note 5 - Allowance for Loan L55

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Nonperforming Assets - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
Nonperforming assets:
Nonaccrual loans		$ 2,043	$ 3,999
Restructured loans in nonaccrual		4,639	5,288
Total nonperforming loans		6,682	9,287
Other real estate owned, net		4,165	4,744
Total nonperforming assets		$ 10,847	$ 14,031
Ratio of nonperforming assets to loans, net of unearned income and deferred fees, plus other real estate owned		1.74%	2.30%
Ratio of allowance for loan losses to nonperforming loans(1)	[1]	124.17%	88.97%
[1]	The Company defines nonperforming loans as total nonaccrual and restructured loans that are nonaccrual. Loans 90 days past due and still accruing and accruing restructured loans are excluded.

Note 5 - Allowance for Loan L56

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Loans Past Due 90 Days or More and Impaired Loans - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Loans Past Due 90 Days or More and Impaired Loans [Abstract]
Loans past due 90 days or more and still accruing		$ 156	$ 207
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees		0.03%	0.03%
Accruing restructured loans		$ 8,814	$ 6,040
Impaired loans:
Impaired loans with no valuation allowance	[1]	12,973	7,615
Impaired loans with a valuation allowance	[1]	2,373	7,506
Total impaired loans	[1]	15,346	15,121
Valuation allowance		(45)	(282)
Impaired loans, net of allowance		15,301	14,839
Average recorded investment in impaired loans(1)	[1],[2]	17,297	16,311	$ 16,654
Income recognized on impaired loans, after designation as impaired	[2]	$ 769	$ 473	$ 267
[1]	Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status.
[2]	Only classes with impaired loans are shown.

Note 5 - Allowance for Loan L57

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Impaired Loans and Associated Reserves - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
Real Estate Construction(2)
Total loans, principal balance		$ 15,869	$ 15,434
Total loans, recorded investment	[1]	15,346	15,121
Total loans, recorded investment for which there is no related allowance	[1]	12,973	7,615
Total loans, recorded investment for which there is a related allowance	[1]	2,373	7,506
Total loans, related allowance		45	282
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member]
Real Estate Construction(2)
Total loans, principal balance	[2]	718
Total loans, recorded investment	[1],[2]	718
Total loans, recorded investment for which there is no related allowance	[1],[2]	718
Total loans, recorded investment for which there is a related allowance	[1],[2]	0
Total loans, related allowance	[2]	0
Consumer Real Estate Portfolio Segment [Member] | Closed-end First Liens [Member]
Real Estate Construction(2)
Total loans, principal balance	[2]	713	530
Total loans, recorded investment	[1],[2]	669	503
Total loans, recorded investment for which there is no related allowance	[1],[2]	305	311
Total loans, recorded investment for which there is a related allowance	[1],[2]	364	192
Total loans, related allowance	[2]	13	2
Consumer Real Estate Portfolio Segment [Member] | Closed-end Junior Liens [Member]
Real Estate Construction(2)
Total loans, principal balance	[2]	218	239
Total loans, recorded investment	[1],[2]	218	239
Total loans, recorded investment for which there is no related allowance	[1],[2]	0	0
Total loans, recorded investment for which there is a related allowance	[1],[2]	218	239
Total loans, related allowance	[2]	5	8
Consumer Real Estate Portfolio Segment [Member] | Investor-owned Residential Real Estate [Member]
Real Estate Construction(2)
Total loans, principal balance	[2]	75	77
Total loans, recorded investment	[1],[2]	75	77
Total loans, recorded investment for which there is no related allowance	[1],[2]	0	0
Total loans, recorded investment for which there is a related allowance	[1],[2]	75	77
Total loans, related allowance	[2]	4	4
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member]
Real Estate Construction(2)
Total loans, principal balance	[2]	1,988	2,911
Total loans, recorded investment	[1],[2]	1,728	2,735
Total loans, recorded investment for which there is no related allowance	[1],[2]	1,728	868
Total loans, recorded investment for which there is a related allowance	[1],[2]	0	1,866
Total loans, related allowance	[2]	0	170
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Real Estate Construction(2)
Total loans, principal balance	[2]	5,068	4,919
Total loans, recorded investment	[1],[2]	5,020	4,821
Total loans, recorded investment for which there is no related allowance	[1],[2]	3,304	3,314
Total loans, recorded investment for which there is a related allowance	[1],[2]	1,716	1,508
Total loans, related allowance	[2]	23	74
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Other [Member]
Real Estate Construction(2)
Total loans, principal balance	[2]	5,990	6,080
Total loans, recorded investment	[1],[2]	5,827	6,068
Total loans, recorded investment for which there is no related allowance	[1],[2]	5,827	3,072
Total loans, recorded investment for which there is a related allowance	[1],[2]	0	2,996
Total loans, related allowance	[2]	0	14
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Real Estate Construction(2)
Total loans, principal balance	[2]	1,099	678
Total loans, recorded investment	[1],[2]	1,091	678
Total loans, recorded investment for which there is no related allowance	[1],[2]	1,091	50
Total loans, recorded investment for which there is a related allowance	[1],[2]	0	628
Total loans, related allowance	[2]	$ 0	$ 10
[1]	Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status.
[2]	Only classes with impaired loans are shown.

Note 5 - Allowance for Loan L58

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Impaired Loans, Average Investment and Interest Income Recognized - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Real Estate Construction(2)
Average recorded investment	[1],[2]	$ 17,297	$ 16,311	$ 16,654
Interest income recognized	[1]	769	473	267
Closed-end First Liens [Member]
Real Estate Construction(2)
Average recorded investment	[1],[2]	681	555	364
Interest income recognized	[1]	43	31	3
Closed-end Junior Liens [Member]
Real Estate Construction(2)
Average recorded investment	[1],[2]	228	249	280
Interest income recognized	[1]	15	16	9
Investor-owned Residential Real Estate [Member]
Real Estate Construction(2)
Average recorded investment	[1],[2]	76	77	131
Interest income recognized	[1]	5	5	6
Multifamily Real Estate [Member]
Real Estate Construction(2)
Average recorded investment	[1],[2]	2,581	2,773	4,172
Interest income recognized	[1]	84	0	0
Commercial Real Estate, Owner Occupied [Member]
Real Estate Construction(2)
Average recorded investment	[1],[2]	6,141	5,836	5,265
Interest income recognized	[1]	251	203	136
Commercial Real Estate, Other [Member]
Real Estate Construction(2)
Average recorded investment	[1],[2]	5,888	6,114	3,369
Interest income recognized	[1]	308	175	110
Commercial and Industrial [Member]
Real Estate Construction(2)
Average recorded investment	[1],[2]	1,090	707	117
Interest income recognized	[1]	40	$ 43	3
Construction Residential [Member]
Real Estate Construction(2)
Average recorded investment	[1],[2]			40
Interest income recognized	[1]			0
Construction Other [Member]
Real Estate Construction(2)
Average recorded investment	[1],[2]			2,885
Interest income recognized	[1]			0
Automobile Loan [Member]
Real Estate Construction(2)
Average recorded investment	[1],[2]			31
Interest income recognized	[1]			$ 0
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member]
Real Estate Construction(2)
Average recorded investment	[1],[2]	612
Interest income recognized	[1]	$ 23
[1]	Only classes with impaired loans are shown.
[2]	Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status.

Note 5 - Allowance for Loan L59

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Past Due and Nonaccrual Loans - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or more days past due and still accruing	$ 156	$ 207
Nonaccruals (including impaired nonaccruals)	6,682	9,287
Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	2,992	2,447
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	3,124	2,302
Real Estate Construction Portfolio Segment[Member] | Construction Residential [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or more days past due and still accruing	0	0
Nonaccruals (including impaired nonaccruals)	718	0
Real Estate Construction Portfolio Segment[Member] | Construction Residential [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	0	0
Real Estate Construction Portfolio Segment[Member] | Construction Residential [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	0	0
Real Estate Construction Portfolio Segment[Member] | Construction Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or more days past due and still accruing	0	0
Nonaccruals (including impaired nonaccruals)	0	0
Real Estate Construction Portfolio Segment[Member] | Construction Other [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	26	28
Real Estate Construction Portfolio Segment[Member] | Construction Other [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	0	0
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or more days past due and still accruing	0	0
Nonaccruals (including impaired nonaccruals)	0	0
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	16	25
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	0	0
Consumer Real Estate Portfolio Segment [Member] | Closed-end First Liens [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or more days past due and still accruing	106	80
Nonaccruals (including impaired nonaccruals)	14	105
Consumer Real Estate Portfolio Segment [Member] | Closed-end First Liens [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	1,402	719
Consumer Real Estate Portfolio Segment [Member] | Closed-end First Liens [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	106	185
Consumer Real Estate Portfolio Segment [Member] | Closed-end Junior Liens [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or more days past due and still accruing	39	1
Nonaccruals (including impaired nonaccruals)	0	0
Consumer Real Estate Portfolio Segment [Member] | Closed-end Junior Liens [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	123	74
Consumer Real Estate Portfolio Segment [Member] | Closed-end Junior Liens [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	39	1
Consumer Real Estate Portfolio Segment [Member] | Investor-owned Residential Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or more days past due and still accruing	0	0
Nonaccruals (including impaired nonaccruals)	0	59
Consumer Real Estate Portfolio Segment [Member] | Investor-owned Residential Real Estate [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	248	336
Consumer Real Estate Portfolio Segment [Member] | Investor-owned Residential Real Estate [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	0	45
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or more days past due and still accruing	0	0
Nonaccruals (including impaired nonaccruals)	1,728	2,735
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	684	850
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	1,728	868
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or more days past due and still accruing	0	102
Nonaccruals (including impaired nonaccruals)	494	2,573
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	357	1,066
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Other [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or more days past due and still accruing	0	0
Nonaccruals (including impaired nonaccruals)	2,845	3,066
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Other [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Other [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	0	70
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or more days past due and still accruing	0	0
Nonaccruals (including impaired nonaccruals)	883	749
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	142	153
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	883	43
Public Sector and IDA Portfolio Segment[Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or more days past due and still accruing	0	0
Nonaccruals (including impaired nonaccruals)	0	0
Public Sector and IDA Portfolio Segment[Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	0	0
Public Sector and IDA Portfolio Segment[Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	0	0
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or more days past due and still accruing	6	4
Nonaccruals (including impaired nonaccruals)	0	0
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	5	3
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	6	4
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or more days past due and still accruing	5	20
Nonaccruals (including impaired nonaccruals)	0	0
Consumer Portfolio Segment [Member] | Automobile Loan [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	286	205
Consumer Portfolio Segment [Member] | Automobile Loan [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	5	20
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
90 or more days past due and still accruing	0	0
Nonaccruals (including impaired nonaccruals)	0	0
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Financing Receivables, 30 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	60	54
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Past due loans	$ 0	$ 0

Note 5 - Allowance for Loan L60

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Loans by Credit Quality Indicator - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	$ 604,538	$ 591,198
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	592,323	575,613
Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	6,144	5,300
Classified Excluding Impaired [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	6,071	10,285
Real Estate Construction Portfolio Segment[Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	47,533	45,562
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	10,626	14,222
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	3,694	0
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member] | Classified Excluding Impaired [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	0	2,265
Real Estate Construction Portfolio Segment[Member] | Construction Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	33,213	29,047
Real Estate Construction Portfolio Segment[Member] | Construction Other [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	0	0
Real Estate Construction Portfolio Segment[Member] | Construction Other [Member] | Classified Excluding Impaired [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	0	28
Consumer Real Estate Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	142,542	146,220
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	16,236	15,861
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	15	59
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member] | Classified Excluding Impaired [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	87	60
Consumer Real Estate Portfolio Segment [Member] | Closed-end First Liens [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	78,614	78,806
Consumer Real Estate Portfolio Segment [Member] | Closed-end First Liens [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	708	1,566
Consumer Real Estate Portfolio Segment [Member] | Closed-end First Liens [Member] | Classified Excluding Impaired [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	1,370	1,412
Consumer Real Estate Portfolio Segment [Member] | Closed-end Junior Liens [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	4,983	4,258
Consumer Real Estate Portfolio Segment [Member] | Closed-end Junior Liens [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	55	21
Consumer Real Estate Portfolio Segment [Member] | Closed-end Junior Liens [Member] | Classified Excluding Impaired [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	61	95
Consumer Real Estate Portfolio Segment [Member] | Investor-owned Residential Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	39,616	42,781
Consumer Real Estate Portfolio Segment [Member] | Investor-owned Residential Real Estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	31	688
Consumer Real Estate Portfolio Segment [Member] | Investor-owned Residential Real Estate [Member] | Classified Excluding Impaired [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	766	614
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	296,803	297,138
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	77,060	73,611
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	0	1,397
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member] | Classified Excluding Impaired [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	1,804	850
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	121,741	125,643
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	1,165	202
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Classified Excluding Impaired [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	1,274	2,855
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Other [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	93,701	90,821
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Other [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	58	1,177
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Other [Member] | Classified Excluding Impaired [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	0	582
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	35,652	31,247
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	285	97
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member] | Classified Excluding Impaired [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	543	1,390
Public Sector and IDA Portfolio Segment[Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	51,335	41,361
Public Sector and IDA Portfolio Segment[Member] | States & Political Subdivisions [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	51,335	41,361
Public Sector and IDA Portfolio Segment[Member] | States & Political Subdivisions [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	0	0
Public Sector and IDA Portfolio Segment[Member] | States & Political Subdivisions [Member] | Classified Excluding Impaired [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	0	0
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	29,845	28,182
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	5,773	5,705
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	0	0
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member] | Classified Excluding Impaired [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	0	0
Consumer Portfolio Segment [Member] | Automobile Loan [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	12,414	11,505
Consumer Portfolio Segment [Member] | Automobile Loan [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	102	93
Consumer Portfolio Segment [Member] | Automobile Loan [Member] | Classified Excluding Impaired [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	138	128
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	11,359	10,745
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Special Mention [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	31	0
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Classified Excluding Impaired [Member]
Financing Receivable, Recorded Investment [Line Items]
Non-impaired gross loans	$ 28	$ 6

Note 5 - Allowance for Loan L61

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) - Troubled Debt Restructurings $ in Thousands		12 Months Ended
		Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Financing Receivable, Modifications [Line Items]
Number of contracts		6	5
Pre-modification outstanding principal balance		$ 3,628	$ 5,761
Post-modification outstanding principal balance	[1]	$ 3,541	$ 5,843
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts		2
Pre-modification outstanding principal balance		$ 718
Post-modification outstanding principal balance	[1]	$ 718
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts		3	1
Pre-modification outstanding principal balance		$ 2,710	$ 184
Post-modification outstanding principal balance	[1]	$ 2,623	$ 208
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts			1
Pre-modification outstanding principal balance			$ 2,484
Post-modification outstanding principal balance	[1]		$ 2,484
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Non-owner Occupied [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts			2
Pre-modification outstanding principal balance			$ 2,967
Post-modification outstanding principal balance	[1]		$ 3,008
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts		1
Pre-modification outstanding principal balance		$ 200
Post-modification outstanding principal balance	[1]	$ 200
Consumer Real Estate Portfolio Segment [Member] | Closed-end First Liens [Member]
Financing Receivable, Modifications [Line Items]
Number of contracts			1
Pre-modification outstanding principal balance			$ 126
Post-modification outstanding principal balance	[1]		$ 143
[1]	Post-modification outstanding recorded investment considers amounts immediately following the modification. Amounts do not reflect balances at the end of the period.

Note 6 - Premises and Equipme62

Note 6 - Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Property, Plant and Equipment [Abstract]
Depreciation	$ 749	$ 732	$ 726
Operating Leases, Future Minimum Payments Due, Next Twelve Months	266
Operating Leases, Future Minimum Payments, Due in Two Years	244
Operating Leases, Future Minimum Payments, Due in Three Years	244
Operating Leases, Future Minimum Payments, Due in Four Years	196
Operating Leases, Future Minimum Payments, Due Thereafter	$ 22

Note 6 - Premises and Equipme63

Note 6 - Premises and Equipment (Details) - Premises and Equipment - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Property, Plant and Equipment [Line Items]
Property, plant, and equipment	$ 19,697	$ 24,045
Accumulated depreciation	(10,677)	(14,914)
Premises and equipment, net	9,020	9,131
Building [Member]
Property, Plant and Equipment [Line Items]
Property, plant, and equipment	13,097	13,338
Furniture and Fixtures [Member]
Property, Plant and Equipment [Line Items]
Property, plant, and equipment	$ 6,600	$ 10,707

Note 7 - Deposits (Details)

Note 7 - Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Disclosure Text Block [Abstract]
Time Deposits $250,000 or More	$ 21,072	$ 23,188
Deposit Liabilities Reclassified as Loans Receivable	$ 307	$ 367

Note 7 - Deposits (Details) - M

Note 7 - Deposits (Details) - Maturities of Time Deposits - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Maturities of Time Deposits [Abstract]
2,016	$ 112,071
2,017	43,771
2,018	20,290
2,019	7,257
2,020	8,994
Thereafter	0
	$ 192,383	$ 216,746

Note 8 - Employee Benefit Pla66

Note 8 - Employee Benefit Plans (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Note 8 - Employee Benefit Plans (Details) [Line Items]
Defined Contribution Plan, Maximum Annual Contributions Per Employee, Percent	100.00%
Defined Contribution Plan, Employer Discretionary Contribution Amount	$ 294	$ 273	$ 282
Age Attained to be Eligible for ESOP	21 years
Employee Stock Ownership Plan (ESOP), Cash Contributions to ESOP	$ 200	100	275
Employee Stock Ownership Plan (ESOP), Number of Allocated Shares (in Shares)	240,874
Age of Employees Required to Diversify Allocated ESOP Shares	55 years
Years of Plan Participation Required to Diversify Allocated ESOP Shares	10 years
Percentage of Allocated ESOP Shares That Can be Diversified	50.00%
Accrued Expenses for Salary Continuation Plan	$ 396	$ 246	$ 194
Equity Securities [Member]
Note 8 - Employee Benefit Plans (Details) [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	65.00%
Fixed Income Securities [Member]
Note 8 - Employee Benefit Plans (Details) [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	35.00%
Hedge Funds [Member]
Note 8 - Employee Benefit Plans (Details) [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	0.00%
Private Equity Funds [Member]
Note 8 - Employee Benefit Plans (Details) [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	0.00%
Real Estate [Member]
Note 8 - Employee Benefit Plans (Details) [Line Items]
Defined Benefit Plan, Target Plan Asset Allocations	0.00%

Note 8 - Employee Benefit Pla67

Note 8 - Employee Benefit Plans (Details) - Defined Benefit Plan Activity - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Change in plan assets
Fair value of plan assets at beginning of year	$ 17,130
Fair value of plan assets at end of year	16,131	$ 17,130
Other changes in plan assets and benefit obligations recognized in other comprehensive loss
Net (gain) loss	1,108	1,066	$ (1,898)
Amortization of prior service cost	72	71	66
Pension Plan [Member]
Change in benefit obligation
Projected benefit obligation at beginning of year	19,324	17,185	18,054
Service cost	620	524	596
Interest cost	669	663	617
Actuarial (gain) loss	798	1,674	(1,149)
Benefits paid	(984)	(722)	(933)
Projected benefit obligation at end of year	20,427	19,324	17,185
Change in plan assets
Fair value of plan assets at beginning of year	17,130	16,605	14,325
Actual return on plan assets	(155)	884	2,225
Employer contribution	140	363	988
Benefits paid	(984)	(722)	(933)
Fair value of plan assets at end of year	16,131	17,130	16,605
Funded status at the end of the year	(4,296)	(2,194)	(580)
Amounts recognized in the Consolidated Balance Sheet
Deferred tax asset	1,504	768	203
Other liabilities	(4,296)	(2,194)	(580)
Total amounts recognized in the Consolidated Balance Sheet	(2,792)	(1,426)	(377)
Amounts recognized in accumulated other comprehensive (loss), net
Net loss	(8,627)	(6,922)	(5,282)
Prior service cost	559	669	779
Deferred tax asset	2,798	2,163	1,550
Amount recognized	(5,270)	(4,090)	(2,953)
Accrued/Prepaid benefit cost, net
Benefit obligation	(20,427)	(19,324)	(17,185)
Fair value of assets	16,131	17,130	16,605
Unrecognized net actuarial loss	8,627	6,922	5,282
Unrecognized prior service cost	(559)	(669)	(779)
Deferred tax liability	(1,294)	(1,395)	(1,347)
Prepaid benefit cost included in other liabilities	2,478	2,664	2,576
Components of net periodic benefit cost
Service cost	620	524	596
Interest cost	669	663	617
Expected return on plan assets	(1,166)	(1,112)	(984)
Amortization of prior service cost	(110)	(110)	(101)
Recognized net actuarial loss	414	262	532
Net periodic benefit cost	427	227	660
Other changes in plan assets and benefit obligations recognized in other comprehensive loss
Net (gain) loss	1,705	1,640	(2,921)
Amortization of prior service cost	110	110	101
Deferred income tax expense (benefit)	(635)	(612)	987
Total recognized	1,180	1,138	(1,833)
Total recognized in net periodic benefit cost and other comprehensive loss	$ 2,242	$ 1,977	$ (2,160)
Weighted average assumptions at end of the year
Discount rate used for net periodic pension cost	3.75%	4.50%	3.75%
Discount rate used for disclosure	4.00%	3.75%	4.50%
Expected return on plan assets	7.50%	7.50%	7.50%
Rate of compensation increase	3.00%	3.00%	3.00%

Note 8 - Employee Benefit Pla68

Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements - USD ($) $ in Thousands		Dec. 31, 2015	Dec. 31, 2014
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		$ 16,131	$ 17,130
Cash [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		876	737
Equity Securities US Companies [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		9,600	8,729
Equity Securities International Companies [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		404	274
Equity Funds [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets	[1]	195	1,861
US Government Corporations and Agencies Securities [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		104	107
US States and Political Subdivisions Debt Securities [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		233	365
External Credit Rating, Investment Grade [Member] | Corporate Debt Securities [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets	[2]	4,719	5,057
Fair Value, Inputs, Level 1 [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		11,075	11,601
Fair Value, Inputs, Level 1 [Member] | Cash [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		876	737
Fair Value, Inputs, Level 1 [Member] | Equity Securities US Companies [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		9,600	8,729
Fair Value, Inputs, Level 1 [Member] | Equity Securities International Companies [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		404	274
Fair Value, Inputs, Level 1 [Member] | Equity Funds [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets	[1]	195	1,861
Fair Value, Inputs, Level 1 [Member] | US Government Corporations and Agencies Securities [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		0	0
Fair Value, Inputs, Level 1 [Member] | US States and Political Subdivisions Debt Securities [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		0	0
Fair Value, Inputs, Level 1 [Member] | External Credit Rating, Investment Grade [Member] | Corporate Debt Securities [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets	[2]	0	0
Fair Value, Inputs, Level 2 [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		5,056	5,529
Fair Value, Inputs, Level 2 [Member] | Cash [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		0	0
Fair Value, Inputs, Level 2 [Member] | Equity Securities US Companies [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		0	0
Fair Value, Inputs, Level 2 [Member] | Equity Securities International Companies [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		0	0
Fair Value, Inputs, Level 2 [Member] | Equity Funds [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets	[1]	0	0
Fair Value, Inputs, Level 2 [Member] | US Government Corporations and Agencies Securities [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		104	107
Fair Value, Inputs, Level 2 [Member] | US States and Political Subdivisions Debt Securities [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		233	365
Fair Value, Inputs, Level 2 [Member] | External Credit Rating, Investment Grade [Member] | Corporate Debt Securities [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets	[2]	4,719	5,057
Fair Value, Inputs, Level 3 [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		0	0
Fair Value, Inputs, Level 3 [Member] | Cash [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		0	0
Fair Value, Inputs, Level 3 [Member] | Equity Securities US Companies [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		0	0
Fair Value, Inputs, Level 3 [Member] | Equity Securities International Companies [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		0	0
Fair Value, Inputs, Level 3 [Member] | Equity Funds [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets	[1]	0	0
Fair Value, Inputs, Level 3 [Member] | US Government Corporations and Agencies Securities [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		0	0
Fair Value, Inputs, Level 3 [Member] | US States and Political Subdivisions Debt Securities [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets		0	0
Fair Value, Inputs, Level 3 [Member] | External Credit Rating, Investment Grade [Member] | Corporate Debt Securities [Member]
Note 8 - Employee Benefit Plans (Details) - Fair Value Measurements [Line Items]
Fair value, plan assets	[2]	$ 0	$ 0
[1]	This category comprises actively managed equity funds invested in large-cap and mid-cap U.S. companies.
[2]	This category represents investment grade bonds of U.S. issuers from diverse industries.

Note 8 - Employee Benefit Pla69

Note 8 - Employee Benefit Plans (Details) - Expected Future Benefit Payments $ in Thousands	Dec. 31, 2015USD ($)
Expected Future Benefit Payments [Abstract]
	$ 3,737
	2,118
	1,117
	814
	1,386
	$ 3,883

Note 9 - Stock Option Plan (Det

Note 9 - Stock Option Plan (Details) - Stock Option Plan 1999 [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Note 9 - Stock Option Plan (Details) [Line Items]
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period (in Shares)	7,500	2,500	0
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value	$ 54	$ 15
Employee Service Share-based Compensation, Tax Benefit from Compensation Expense	$ 0	$ 0	$ 0

Note 9 - Stock Option Plan (D71

Note 9 - Stock Option Plan (Details) - Stock Option Activity - Stock Option Plan 1999 [Member] - USD ($) $ / shares in Units, $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Note 9 - Stock Option Plan (Details) - Stock Option Activity [Line Items]
Outstanding at January 1, 2015	20,500
Outstanding at January 1, 2015	$ 23
Exercised	(7,500)	(2,500)	0
Exercised	$ 23
Forfeited or expired	(13,000)
Forfeited or expired	$ 23
Outstanding at December 31, 2015	0	20,500
Outstanding at December 31, 2015	$ 0	$ 23
Outstanding at December 31, 2015	0 years
Outstanding at December 31, 2015	$ 0
Exercisable at December 31, 2015	0
Exercisable at December 31, 2015	$ 0
Exercisable at December 31, 2015	0 years
Exercisable at December 31, 2015	$ 0

Note 10 - Income Taxes (Details

Note 10 - Income Taxes (Details)	12 Months Ended
	Dec. 31, 2015
Income Tax Disclosure [Abstract]
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	35.00%

Note 10 - Income Taxes (Detai73

Note 10 - Income Taxes (Details) - Allocation of Income Tax Expense - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Allocation of Income Tax Expense [Abstract]
Current	$ 4,730	$ 5,105	$ 5,253
Deferred expense	10	73	64
Total income tax expense	$ 4,740	$ 5,178	$ 5,317

Note 10 - Income Taxes (Detai74

Note 10 - Income Taxes (Details) - Reconciliation of the "Expected" Income Tax Expense Rate to Actual - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Reconciliation of the "Expected" Income Tax Expense Rate to Actual [Abstract]
Computed “expected” income tax expense	$ 7,201	$ 7,732	$ 8,087
Tax-exempt interest income	(2,381)	(2,422)	(2,592)
Nondeductible interest expense	101	102	118
Other, net	(181)	(234)	(296)
Reported income tax expense	$ 4,740	$ 5,178	$ 5,317

Note 10 - Income Taxes (Detai75

Note 10 - Income Taxes (Details) - The Components of Net Deferred Tax Assets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Deferred tax assets:
Allowance for loan losses and unearned fee income	$ 3,229	$ 3,098
Valuation allowance on other real estate owned	188	37
Deferred compensation and other liabilities	2,829	1,897
Discount accretion of securities	19	28
Net unrealized loss on securities available for sale	1,436	852
Total deferred tax assets	7,701	5,912
Deferred tax liabilities:
Fixed assets	(620)	(160)
Deposit intangibles	(1,432)	(1,312)
Total deferred tax liabilities	(2,052)	(1,472)
Net deferred tax assets	$ 5,649	$ 4,440

Note 11 - Restrictions on Div76

Note 11 - Restrictions on Dividends (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Disclosure of Restrictions on Dividends, Loans and Advances Disclosure [Abstract]
Proceeds from Dividends Received	$ 7,930	$ 7,853	$ 7,782
Period of Restriction on Retained Net Income Without Prior Approval	2 years
Statutory Accounting Practices, Statutory Amount Available for Dividend Payments without Regulatory Approval	$ 28,213

Note 12 - Minimum Regulatory 77

Note 12 - Minimum Regulatory Capital Requirement (Details) - Minimum Capital Requirements - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
NBI Consolidated [Member]
Total capital (to risk weighted assets)
Total capital (to risk weighted assets), actual, amount	$ 184,054	$ 172,976
Total capital (to risk weighted assets), actual, ratio	25.50%	24.90%
Total capital (to risk weighted assets), minimum capital requirement, amount	$ 57,681	$ 55,615
Total capital (to risk weighted assets), minimum capital requirement, ratio	8.00%	8.00%
Total capital (to risk weighted assets), minimum to be well capitalized, amount
Total capital (to risk weighted assets), minimum to be well capitalized, ratio
Tier 1 capital (to risk weighted assets)
Tier 1 capital (to risk weighted assets), actual, amount	$ 175,757	$ 164,713
Tier 1 capital (to risk weighted assets), actual, ratio	24.40%	23.70%
Tier 1 capital (to risk weighted assets), minimum capital requirement, amount	$ 43,261	$ 27,807
Tier 1 capital (to risk weighted assets), minimum capital requirement, ratio	6.00%	4.00%
Tier 1 capital (to risk weighted assets), minimum to be well capitalized, amount
Tier 1 capital (to risk weighted assets), minimum to be well capitalized, ratio
Common Equity Tier 1 capital (to risk weighted assets)
Common equity tier 1 capital (to risk weighted assets), actual, amount	$ 175,757
Common equity tier 1 capital (to risk weighted assets), actual, ratio	24.40%
Common equity tier 1 capital (to risk weighted assets), minimum capital requirement, amount	$ 32,446
Common equity tier 1 capital (to risk weighted assets), minimum capital requirement, ratio	4.50%
Common equity tier 1 capital (to risk weighted assets), minimum to be well capitalized, amount
Common equity tier 1 capital (to risk weighted assets), minimum to be well capitalized, ratio
Tier 1 capital (to average assets)
Tier 1 capital (to average assets), actual, amount	$ 175,757	$ 164,713
Tier 1 capital (to average assets), actual, ratio	15.10%	14.60%
Tier 1 capital (to average assets), minimum capital requirement, amount	$ 46,594	$ 45,122
Tier 1 capital (to average assets), minimum capital requirement, ratio	4.00%	4.00%
Tier 1 capital (to average assets), minimum to be well capitalized, amount
Tier 1 capital (to average assets), minimum to be well capitalized, ratio
National Bank of Blacksburg [Member]
Total capital (to risk weighted assets)
Total capital (to risk weighted assets), actual, amount	$ 181,926	$ 170,665
Total capital (to risk weighted assets), actual, ratio	25.30%	24.60%
Total capital (to risk weighted assets), minimum capital requirement, amount	$ 57,526	$ 55,438
Total capital (to risk weighted assets), minimum capital requirement, ratio	8.00%	8.00%
Total capital (to risk weighted assets), minimum to be well capitalized, amount	$ 71,908	$ 69,298
Total capital (to risk weighted assets), minimum to be well capitalized, ratio	10.00%	10.00%
Tier 1 capital (to risk weighted assets)
Tier 1 capital (to risk weighted assets), actual, amount	$ 173,629	$ 162,402
Tier 1 capital (to risk weighted assets), actual, ratio	24.10%	23.40%
Tier 1 capital (to risk weighted assets), minimum capital requirement, amount	$ 43,145	$ 27,719
Tier 1 capital (to risk weighted assets), minimum capital requirement, ratio	6.00%	4.00%
Tier 1 capital (to risk weighted assets), minimum to be well capitalized, amount	$ 57,526	$ 41,579
Tier 1 capital (to risk weighted assets), minimum to be well capitalized, ratio	8.00%	6.00%
Common Equity Tier 1 capital (to risk weighted assets)
Common equity tier 1 capital (to risk weighted assets), actual, amount	$ 173,629
Common equity tier 1 capital (to risk weighted assets), actual, ratio	24.10%
Common equity tier 1 capital (to risk weighted assets), minimum capital requirement, amount	$ 32,358
Common equity tier 1 capital (to risk weighted assets), minimum capital requirement, ratio	4.50%
Common equity tier 1 capital (to risk weighted assets), minimum to be well capitalized, amount	$ 46,740
Common equity tier 1 capital (to risk weighted assets), minimum to be well capitalized, ratio	6.50%
Tier 1 capital (to average assets)
Tier 1 capital (to average assets), actual, amount	$ 173,629	$ 162,402
Tier 1 capital (to average assets), actual, ratio	14.90%	14.40%
Tier 1 capital (to average assets), minimum capital requirement, amount	$ 46,648	$ 45,074
Tier 1 capital (to average assets), minimum capital requirement, ratio	4.00%	4.00%
Tier 1 capital (to average assets), minimum to be well capitalized, amount	$ 58,310	$ 56,342
Tier 1 capital (to average assets), minimum to be well capitalized, ratio	5.00%	5.00%

Note 13 - Condensed Financial78

Note 13 - Condensed Financial Statements of Parent Company (Details) - Condensed Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Assets
Cash due from subsidiaries	$ 12,152	$ 12,894	$ 13,283	$ 14,783
Interest-bearing deposits	130,811	102,548
Securities available for sale	236,131	222,844
Securities held to maturity (fair value approximates $449 at December 31, 2015 and $450 at December 31, 2014)	152,028	161,452
Other assets	8,564	7,767
Total assets	1,199,739	1,154,731
Liabilities and Stockholders’ Equity
Other liabilities	8,710	5,932
Stockholders’ equity	172,114	166,303	$ 145,892	$ 150,109
Total liabilities and stockholders’ equity	1,199,739	1,154,731
Parent Company [Member]
Assets
Cash due from subsidiaries	19	10
Interest-bearing deposits	170	477
Securities available for sale	127	127
Securities held to maturity (fair value approximates $449 at December 31, 2015 and $450 at December 31, 2014)	451	452
Investments in subsidiaries, at equity	172,017	165,647
Other assets	56	188
Total assets	172,840	166,901
Liabilities and Stockholders’ Equity
Other liabilities	726	598
Stockholders’ equity	172,114	166,303
Total liabilities and stockholders’ equity	$ 172,840	$ 166,901

Note 13 - Condensed Financial79

Note 13 - Condensed Financial Statements of Parent Company (Details) - Condensed Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Condensed Balance Sheet Statements, Captions [Line Items]
Securities held to maturity, fair value	$ 158,032	$ 167,703
Parent Company [Member]
Condensed Balance Sheet Statements, Captions [Line Items]
Securities held to maturity, fair value	$ 449	$ 450

Note 13 - Condensed Financial80

Note 13 - Condensed Financial Statements of Parent Company (Details) - Condensed Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Income
Interest on securities – taxable	$ 6,776	$ 6,798	$ 6,585
Interest on securities – nontaxable	5,438	5,826	6,388
Realized securities losses, net	33	2	(46)
Other income	1,295	1,037	1,342
Expenses
Income before income tax benefit and equity in undistributed net income of subsidiaries	20,573	22,092	23,107
Applicable income tax benefit	(4,740)	(5,178)	(5,317)
Net income	15,833	16,914	17,790
Parent Company [Member]
Income
Dividends from subsidiaries	7,930	7,853	7,882
Interest on securities – taxable	3	2	2
Interest on securities – nontaxable	0	1	19
Realized securities losses, net	0	0	(94)
Other income	1,208	1,250	1,219
	9,141	9,106	9,028
Expenses
Other expenses	2,051	2,046	1,943
Income before income tax benefit and equity in undistributed net income of subsidiaries	7,090	7,060	7,085
Applicable income tax benefit	210	136	160
Income before equity in undistributed net income of subsidiaries	7,300	7,196	7,245
Equity in undistributed net income of subsidiaries	8,533	9,718	10,545
Net income	$ 15,833	$ 16,914	$ 17,790

Note 13 - Condensed Financial81

Note 13 - Condensed Financial Statements of Parent Company (Details) - Condensed Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Cash Flows from Operating Expenses
Net income	$ 15,833	$ 16,914	$ 17,790
Adjustments to reconcile net income to net cash provided by operating activities:
Amortization of premiums and accretion of discounts, net	117	138	171
Depreciation expense	749	732	726
Losses on disposal of fixed assets	15	94	(11)
Net change in other assets	420	(574)	1,760
Net change in other liabilities	963	(428)	83
Losses on securities	(33)	(2)	46
Cash Flows from Investing Activities
Net change in interest-bearing deposits	(28,263)	(4,482)	(781)
Purchases of securities available for sale	(80,093)	(33,905)	(83,996)
Purchases of securities held to maturity	0	(6,381)	(13,484)
Maturities and calls of securities available for sale	64,556	11,088	63,886
Proceeds from sale of premises and equipment	0	453	11
Cash Flows from Financing Activities
Cash dividends paid	(7,930)	(7,853)	(7,781)
Exercise of stock options	173	58	0
Net change in cash	(742)	(389)	(1,500)
Parent Company [Member]
Cash Flows from Operating Expenses
Net income	15,833	16,914	17,790
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed net income of subsidiaries	(8,533)	(9,718)	(10,545)
Amortization of premiums and accretion of discounts, net	1	1	0
Depreciation expense	3	9	17
Losses on disposal of fixed assets	2	94	0
Net change in refundable income taxes due from subsidiaries	106	96	77
Net change in other assets	(81)	(63)	3
Net change in other liabilities	128	(33)	20
Losses on securities	0	0	94
Net cash provided by operating activities	7,459	7,300	7,456
Cash Flows from Investing Activities
Net change in interest-bearing deposits	307	213	(2)
Purchases of securities available for sale	0	0	(612)
Purchases of securities held to maturity	0	(453)	0
Maturities and calls of securities available for sale	0	455	945
Proceeds from sale of premises and equipment	0	263	0
Net cash provided by investing activities	307	478	331
Cash Flows from Financing Activities
Cash dividends paid	(7,930)	(7,853)	(7,781)
Exercise of stock options	173	58	0
Net cash used in financing activities	(7,757)	(7,795)	(7,781)
Net change in cash	9	17	6
Cash due from subsidiaries at beginning of year	10	27	21
Cash due from subsidiaries at end of year	$ 19	$ 10	$ 27

Note 14 - Financial Instrumen82

Note 14 - Financial Instruments with Off-balance Sheet Risk (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Note 14 - Financial Instruments with Off-balance Sheet Risk (Details) [Line Items]
Payments for Origination of Mortgage Loans Held-for-sale	$ 17,641	$ 9,104	$ 16,737
Proceeds from Sale of Mortgage Loans Held-for-sale	$ 17,571	10,248	$ 18,592
Potential Default Period After Sale of Loans to Investor	12 months
Loans Receivable Held-for-sale, Net, Not Part of Disposal Group, Mortgage	$ 634	$ 291
Cash, Uninsured Amount	5
Interest Rate Lock Commitments [Member]
Note 14 - Financial Instruments with Off-balance Sheet Risk (Details) [Line Items]
Other Commitment	$ 179

Note 14 - Financial Instrumen83

Note 14 - Financial Instruments with Off-balance Sheet Risk (Details) - Financial Instruments Outstanding Representing Credit Risk - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Commitments to Extend Credit [Member]
Financial instruments whose contract amounts represent credit risk:
Off balance sheet liability, amount	$ 125,934	$ 144,578
Standby Letters of Credit 1 [Member]
Financial instruments whose contract amounts represent credit risk:
Off balance sheet liability, amount	15,248	14,677
Interest Rate Lock Commitments [Member]
Financial instruments whose contract amounts represent credit risk:
Off balance sheet liability, amount	$ 17,571	$ 10,248

Note 15 - Concentrations of C84

Note 15 - Concentrations of Credit Risk (Details) - Credit Concentration Risk [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Commercial Real Estate Loans [Member]
Note 15 - Concentrations of Credit Risk (Details) [Line Items]
Concentration Risk, Percentage	50.00%	52.00%
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 309,378	$ 310,762
College Housing and Professional Office Buildings [Member]
Note 15 - Concentrations of Credit Risk (Details) [Line Items]
Concentration Risk, Percentage	32.00%	31.00%
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 200,521	$ 190,055
Residential [Member]
Note 15 - Concentrations of Credit Risk (Details) [Line Items]
Concentration Risk, Percentage	23.00%	24.00%
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 143,504	$ 147,039
Automobile [Member]
Note 15 - Concentrations of Credit Risk (Details) [Line Items]
Concentration Risk, Percentage	2.00%	2.00%
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 12,409	$ 11,554

Note 16 - Fair Value Measurem85

Note 16 - Fair Value Measurements (Details)	12 Months Ended
	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Discounted Appraised Value [Member]
Note 16 - Fair Value Measurements (Details) [Line Items]
Number of Impair Loans		1
Changes Measurement [Member] | Fair Value, Measurements, Nonrecurring [Member] | Loans Held-for-sale [Member]
Note 16 - Fair Value Measurements (Details) [Line Items]
Assets, Fair Value Adjustment	$ 0	$ 0

Note 16 - Fair Value Measurem86

Note 16 - Fair Value Measurements (Details) - Assets and Liabilities at Fair Value on Recurring Basis - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Note 16 - Fair Value Measurements (Details) - Assets and Liabilities at Fair Value on Recurring Basis [Line Items]
Securities available for sale	$ 236,131	$ 222,844
US Government Agencies Debt Securities [Member]
Note 16 - Fair Value Measurements (Details) - Assets and Liabilities at Fair Value on Recurring Basis [Line Items]
Securities available for sale	212,464	194,219
US States and Political Subdivisions Debt Securities [Member]
Note 16 - Fair Value Measurements (Details) - Assets and Liabilities at Fair Value on Recurring Basis [Line Items]
Securities available for sale	16,475	19,380
Collateralized Mortgage Backed Securities [Member]
Note 16 - Fair Value Measurements (Details) - Assets and Liabilities at Fair Value on Recurring Basis [Line Items]
Securities available for sale	1,319	2,014
Corporate Debt Securities [Member]
Note 16 - Fair Value Measurements (Details) - Assets and Liabilities at Fair Value on Recurring Basis [Line Items]
Securities available for sale	5,746	7,104
Other Debt Obligations [Member]
Note 16 - Fair Value Measurements (Details) - Assets and Liabilities at Fair Value on Recurring Basis [Line Items]
Securities available for sale	127	127
Fair Value, Inputs, Level 2 [Member]
Note 16 - Fair Value Measurements (Details) - Assets and Liabilities at Fair Value on Recurring Basis [Line Items]
Securities available for sale	236,131	222,844
Fair Value, Inputs, Level 2 [Member] | US Government Agencies Debt Securities [Member]
Note 16 - Fair Value Measurements (Details) - Assets and Liabilities at Fair Value on Recurring Basis [Line Items]
Securities available for sale	212,464	194,219
Fair Value, Inputs, Level 2 [Member] | US States and Political Subdivisions Debt Securities [Member]
Note 16 - Fair Value Measurements (Details) - Assets and Liabilities at Fair Value on Recurring Basis [Line Items]
Securities available for sale	16,475	19,380
Fair Value, Inputs, Level 2 [Member] | Collateralized Mortgage Backed Securities [Member]
Note 16 - Fair Value Measurements (Details) - Assets and Liabilities at Fair Value on Recurring Basis [Line Items]
Securities available for sale	1,319	2,014
Fair Value, Inputs, Level 2 [Member] | Corporate Debt Securities [Member]
Note 16 - Fair Value Measurements (Details) - Assets and Liabilities at Fair Value on Recurring Basis [Line Items]
Securities available for sale	5,746	7,104
Fair Value, Inputs, Level 2 [Member] | Other Debt Obligations [Member]
Note 16 - Fair Value Measurements (Details) - Assets and Liabilities at Fair Value on Recurring Basis [Line Items]
Securities available for sale	$ 127	$ 127

Note 16 - Fair Value Measurem87

Note 16 - Fair Value Measurements (Details) - Impaired Loans and Other Real Estate Owned Measured at Fair Value on Nonrecurring Basis - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Note 16 - Fair Value Measurements (Details) - Impaired Loans and Other Real Estate Owned Measured at Fair Value on Nonrecurring Basis [Line Items]
Impaired Loans	$ 2,328	$ 7,224
Other real estate	4,165	4,744
Fair Value, Inputs, Level 3 [Member]
Note 16 - Fair Value Measurements (Details) - Impaired Loans and Other Real Estate Owned Measured at Fair Value on Nonrecurring Basis [Line Items]
Impaired Loans	2,328	7,224
Other real estate	$ 4,165	$ 4,744

Note 16 - Fair Value Measurem88

Note 16 - Fair Value Measurements (Details) - Level 3 Fair Value Measurements		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014
Present Value of Cash Flows [Member] | Impaired loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans		Present value of cash flows	Present value of cash flows
Other real estate owned		Present value of cash flows	Present value of cash flows
Discounted Appraised Value [Member] | Impaired loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans			Discounted appraised value
Other real estate owned			Discounted appraised value
Other real estate owned	[1]		10.00%
Other real estate owned	[1]		(10.00%)
Discounted Appraised Value [Member] | Other Real Estate Owned [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans		Discounted appraised value	Discounted appraised value
Other real estate owned		Discounted appraised value	Discounted appraised value
Minimum [Member] | Present Value of Cash Flows [Member] | Impaired loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans		6.00%	5.88%
Impaired loans		(6.00%)	(5.88%)
Minimum [Member] | Discounted Appraised Value [Member] | Other Real Estate Owned [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans		0.00%	0.00%
Impaired loans		(0.00%)	(0.00%)
Other real estate owned	[2]	0.00%	0.00%
Other real estate owned	[2]	(0.00%)	(0.00%)
Maximum [Member] | Present Value of Cash Flows [Member] | Impaired loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans		7.38%	9.50%
Impaired loans		(7.38%)	(9.50%)
Maximum [Member] | Discounted Appraised Value [Member] | Other Real Estate Owned [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans		50.01%	48.77%
Impaired loans		(50.01%)	(48.77%)
Other real estate owned		10.00%	11.00%
Other real estate owned		(10.00%)	(11.00%)
Weighted Average [Member] | Present Value of Cash Flows [Member] | Impaired loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans		6.56%	6.15%
Impaired loans		(6.56%)	(6.15%)
Weighted Average [Member] | Discounted Appraised Value [Member] | Other Real Estate Owned [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Impaired loans		10.16%	20.81%
Impaired loans		(10.16%)	(20.81%)
Other real estate owned		5.89%	8.60%
Other real estate owned		(5.89%)	(8.60%)
[1]	Only one loan was valued using the collateral method as of December 31, 2014.
[2]	The Company markets other real estate owned both independently and with local realtors. Properties marketed by realtors are discounted by selling costs. Properties that the Company markets independently are not discounted by selling costs.

Note 16 - Fair Value Measurem89

Note 16 - Fair Value Measurements (Details) - Estimated Fair Values and Related Carrying Amounts of Financial Instruments - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013	Dec. 31, 2012
Financial assets:
Cash and due from banks	$ 12,152	$ 12,894	$ 13,283	$ 14,783
Interest-bearing deposits	130,811	102,548
Securities	388,159	384,296
Restricted securities	1,129	1,089
Mortgage loans held for sale	634	291
Loans, net	610,711	597,203
Accrued interest receivable	5,769	5,748
Bank-owned life insurance	22,401	21,797
Financial liabilities:
Deposits	1,018,859	982,428
Accrued interest payable	56	68
Fair Value, Inputs, Level 1 [Member]
Financial assets:
Cash and due from banks	12,152	12,894
Interest-bearing deposits	130,811	102,548
Fair Value, Inputs, Level 2 [Member]
Financial assets:
Securities	394,163	390,547
Restricted securities	1,129	1,089
Mortgage loans held for sale	634	291
Accrued interest receivable	5,769	5,748
Bank-owned life insurance	22,401	21,797
Financial liabilities:
Deposits	826,476	765,682
Accrued interest payable	56	68
Fair Value, Inputs, Level 3 [Member]
Financial assets:
Loans, net	621,590	633,063
Financial liabilities:
Deposits	$ 193,912	$ 216,469

Note 17 - Components of Accum90

Note 17 - Components of Accumulated Other Comprehensive Income (Details) - Components of Accumulated Other Comprehensive Income (Loss) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance at December 31	$ (5,672)	$ (16,964)	$ (2,738)
Unrealized holding	(1,064)	12,430	(16,091)
Reclassification adjustment, net of tax of	(21)	(1)	33
Net pension gain (loss) during period	(1,108)	(1,066)	1,898
Less amortization of prior service cost included in net periodic pension cost, net of tax of ($35/$39/$38)	(72)	(71)	(66)
Balance at December 31	(7,937)	(5,672)	(16,964)
Accumulated Net Investment Gain (Loss) Attributable to Parent [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance at December 31	(1,582)	(14,011)	2,047
Unrealized holding	(1,064)	12,430	(16,091)
Reclassification adjustment, net of tax of	(21)	(1)	33
Balance at December 31	(2,667)	(1,582)	(14,011)
Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance at December 31	(4,090)	(2,953)	(4,785)
Net pension gain (loss) during period	(1,108)	(1,066)	1,898
Less amortization of prior service cost included in net periodic pension cost, net of tax of ($35/$39/$38)	(72)	(71)	(66)
Balance at December 31	$ (5,270)	$ (4,090)	$ (2,953)

Note 17 - Components of Accum91

Note 17 - Components of Accumulated Other Comprehensive Income (Details) - Components of Accumulated Other Comprehensive Income (Loss) (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Accumulated Other Comprehensive Income (Loss) [Line Items]
Unrealized holding gain (loss) on available for sale securities, tax	$ (571)	$ 6,693	$ (8,665)
Reclassification adjustment, tax	(12)	(1)	19
pension gain (loss), tax	(597)	(574)	1,022
Less amortization of prior service cost included in net periodic pension cost, tax	$ (38)	$ (39)	$ (35)

Note 17 - Components of Accum92

Note 17 - Components of Accumulated Other Comprehensive Income (Details) - Reclassifications Out of Accumulated Other Comprehensive Income (Loss) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Reclassification out of unrealized gains and losses on available-for-sale securities:
Income tax expense (benefit)		$ 12	$ 1	$ (19)
Realized (gains) losses on available-for-sale securities, net of tax reclassified out of accumulated other comprehensive income		(21)	(1)	33
Amortization of defined benefit pension items:
Income tax expense (benefit)		38	39	35
Amortization of defined benefit pension items net of tax reclassified out of accumulate other comprehensive income		(72)	(71)	(66)
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification out of unrealized gains and losses on available-for-sale securities:
Realized securities (gains) losses, net		(33)	(2)	52
Income tax expense (benefit)		(12)	(1)	19
Realized (gains) losses on available-for-sale securities, net of tax reclassified out of accumulated other comprehensive income		(21)	(1)	33
Amortization of defined benefit pension items:
Prior service costs(1)	[1]	(110)	(110)	(101)
Income tax expense (benefit)		(38)	(39)	(35)
Amortization of defined benefit pension items net of tax reclassified out of accumulate other comprehensive income		$ (72)	$ (71)	$ (66)
[1]	This accumulated other comprehensive income (loss) component is included in the computation of net periodic benefit cost. (For additional information, see Note 8, "Employee Benefit Plans.")

Note 18 - Intangible Assets a93

Note 18 - Intangible Assets and Goodwill (Details) - USD ($)	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Goodwill and Intangible Assets Disclosure [Abstract]
Goodwill and Intangible Asset Impairment	$ 0	$ 0	$ 0

Note 18 - Intangible Assets a94

Note 18 - Intangible Assets and Goodwill (Details) - Goodwill and Intangible Assets - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Note 18 - Intangible Assets and Goodwill (Details) - Goodwill and Intangible Assets [Line Items]
Amortizable core deposit intangibles	$ 22,105	$ 22,105
Amortizable core deposit intangibles	15,881	14,882
Amortizable core deposit intangibles	6,224	7,223
December 31, 2014
Unamortizable goodwill	5,848	5,848
Unamortizable goodwill	5,848	5,848
Core Deposits [Member]
Note 18 - Intangible Assets and Goodwill (Details) - Goodwill and Intangible Assets [Line Items]
Amortizable core deposit intangibles	16,257	16,257
Amortizable core deposit intangibles	15,881	14,882
Amortizable core deposit intangibles	$ 376	$ 1,375

Note 18 - Intangible Assets a95

Note 18 - Intangible Assets and Goodwill (Details) - Estimated Amortization Expense of Core Deposit Intangibles - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Note 18 - Intangible Assets and Goodwill (Details) - Estimated Amortization Expense of Core Deposit Intangibles [Line Items]
Total	$ 6,224	$ 7,223
Core Deposits [Member]
Note 18 - Intangible Assets and Goodwill (Details) - Estimated Amortization Expense of Core Deposit Intangibles [Line Items]
2,016	258
2,017	68
2,018	50
Total	$ 376	$ 1,375