National Bankshares (NKSH) 10-Q 9 May 16 2016 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2016	May. 02, 2016
Entity Registrant Name	NATIONAL BANKSHARES INC
Entity Central Index Key	796,534
Trading Symbol	nksh
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Entity Common Stock, Shares Outstanding (in shares)		6,957,974
Document Type	10-Q
Document Period End Date	Mar. 31, 2016
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	Q1
Amendment Flag	false

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Mar. 31, 2016	Dec. 31, 2015
Assets
Cash and due from banks	$ 9,913,000	$ 12,152,000
Interest-bearing deposits	129,363,000	130,811,000
Securities available for sale, at fair value	270,094,000	236,131,000
Securities held to maturity (fair value of $151,253 at March 31, 2016 and $158,032 at December 31, 2015)	144,664,000	152,028,000
Restricted stock, at cost	1,170,000	1,129,000
Loans held for sale	63,000	634,000
Loans:
Loans, net of unearned income and deferred fees	607,643,000	619,008,000
Less allowance for loan losses	(8,107,000)	(8,297,000)
Loans, net	599,536,000	610,711,000
Premises and equipment, net	8,841,000	9,020,000
Accrued interest receivable	5,587,000	5,769,000
Other real estate owned, net	3,612,000	4,165,000
Intangible assets and goodwill	6,114,000	6,224,000
Bank-owned life insurance	22,548,000	22,401,000
Other assets	6,366,000	8,564,000
Total assets	1,207,871,000	1,199,739,000
Liabilities and Stockholders' Equity
Noninterest-bearing demand deposits	170,207,000	166,453,000
Interest-bearing demand deposits	570,065,000	569,787,000
Savings deposits	92,944,000	90,236,000
Time deposits	185,296,000	192,383,000
Total deposits	1,018,512,000	1,018,859,000
Accrued interest payable	62,000	56,000
Other liabilities	10,061,000	8,710,000
Total liabilities	$ 1,028,635,000	$ 1,027,625,000
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 at March 31, 2016 and at December 31, 2015	$ 8,697,000	$ 8,697,000
Retained earnings	175,132,000	171,353,000
Accumulated other comprehensive loss, net	(4,593,000)	(7,936,000)
Total stockholders' equity	179,236,000	172,114,000
Total liabilities and stockholders' equity	$ 1,207,871,000	$ 1,199,739,000

Consolidated Balance Sheets (C3

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Securities held to maturity, fair value	$ 151,253	$ 158,032
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	5,000,000	5,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 1.25	$ 1.25
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares issued (in shares)	6,957,974	6,957,974
Common stock, shares outstanding (in shares)	6,957,974	6,957,974

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) shares in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Interest Income
Interest and fees on loans	$ 7,334,000	$ 7,610,000
Interest on interest-bearing deposits	162,000	64,000
Interest on securities – taxable	1,677,000	1,734,000
Interest on securities – nontaxable	1,311,000	1,386,000
Total interest income	10,484,000	10,794,000
Interest Expense
Interest on time deposits	274,000	327,000
Interest on other deposits	794,000	760,000
Total interest expense	1,068,000	1,087,000
Net interest income	9,416,000	9,707,000
Provision for loan losses	203,000	201,000
Net interest income after provision for loan losses	9,213,000	9,506,000
Noninterest Income
Service charges on deposit accounts	560,000	535,000
Other service charges and fees	72,000	71,000
Credit card fees	870,000	895,000
Trust income	323,000	289,000
BOLI income	147,000	149,000
Other income	345,000	314,000
Realized securities gains (losses), net	24,000	(2,000)
Total noninterest income	2,341,000	2,251,000
Noninterest Expense
Salaries and employee benefits	3,568,000	3,051,000
Occupancy and furniture and fixtures	477,000	449,000
Data processing and ATM	411,000	435,000
FDIC assessment	141,000	135,000
Credit card processing	622,000	610,000
Intangible assets amortization	110,000	269,000
Net costs of other real estate owned	69,000	464,000
Franchise taxes	331,000	308,000
Other operating expenses	955,000	959,000
Total noninterest expense	6,684,000	6,680,000
Income before income taxes	4,870,000	5,077,000
Income tax expense	1,091,000	1,111,000
Net Income	$ 3,779,000	$ 3,966,000
Basic net income per common share (in dollars per share)	$ 0.54	$ 0.57
Fully diluted net income per common share (in dollars per share)	$ 0.54	$ 0.57
Weighted average number of common shares outstanding – basic (in shares)	6,957,974	6,950,474
Weighted average number of common shares outstanding – diluted (in shares)	6,957,974	6,955,023
Dividends declared per common share (in dollars per share)

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Net income	$ 3,779	$ 3,966
Other Comprehensive Income, Net of Tax
Unrealized holding gains on available for sale securities net of tax of $1,809 and $1,320 for the periods ended March 31, 2016 and 2015, respectively	3,359	2,452
Realized (gains) losses on available-for-sale securities, net of tax, reclassified out of accumulated other comprehensive income	(16)	1
Other comprehensive income, net of tax	3,343	2,453
Total Comprehensive Income	$ 7,122	$ 6,419

Consolidated Statements of Com6

Consolidated Statements of Comprehensive Income (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Unrealized holding gains on available for sale securities, tax	$ 1,809	$ 1,320
Reclassification adjustment for (gains) losses included in net income, taxes	(8)	1
Other comprehensive income, tax	$ 1,801	$ 1,321

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balances at Dec. 31, 2014	$ 8,688	$ 163,287	$ (5,672)	$ 166,303
Net income		3,966		3,966
Other comprehensive income, net of tax			2,453	2,453
Balances at Mar. 31, 2015	8,688	167,253	(3,219)	172,722
Balances at Dec. 31, 2015	8,697	171,353	(7,936)	172,114
Net income		3,779		3,779
Other comprehensive income, net of tax			3,343	3,343
Balances at Mar. 31, 2016	$ 8,697	$ 175,132	$ (4,593)	$ 179,236

Consolidated Statements of Cha8

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
AOCI Attributable to Parent [Member]
Other comprehensive income (loss), tax	$ 1,801	$ 1,321
Other comprehensive income (loss), tax	$ (1,801)	$ (1,321)

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Cash Flows from Operating Activities
Net income	$ 3,779,000	$ 3,966,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	203,000	201,000
Depreciation of bank premises and equipment	193,000	191,000
Intangible assets amortization	110,000	269,000
Amortization of premiums and accretion of discounts, net	26,000	29,000
(Gains) losses on sales and calls of securities available for sale, net	(6,000)	$ 2,000
Gains on calls of securities held to maturity, net	(18,000)
Losses and write-downs on other real estate owned, net	31,000	$ 386,000
Increase in cash value of bank-owned life insurance	(147,000)	(149,000)
Originations of mortgage loans held for sale	(2,567,000)	(3,002,000)
Proceeds from sale of mortgage loans held for sale	3,185,000	2,241,000
Gains on sale of mortgage loans held for sale	(47,000)	(39,000)
Net change in:
Accrued interest receivable	182,000	242,000
Other assets	397,000	471,000
Accrued interest payable	6,000	2,000
Other liabilities	1,351,000	1,164,000
Net cash provided by operating activities	6,678,000	5,974,000
Cash Flows from Investing Activities
Net change interest-bearing deposits	1,448,000	14,872,000
Proceeds from calls, principal payments, sales and maturities of securities available for sale	24,552,000	11,126,000
Proceeds from calls, principal payments and maturities of securities held to maturity	7,351,000	5,265,000
Purchases of securities available for sale	(53,360,000)	(22,983,000)
Net change in restricted stock	(41,000)	(40,000)
Purchases of loan participations	(440,000)	(994,000)
Collections of loan participations	15,000	1,933,000
Loan originations and principal collections, net	11,337,000	(18,267,000)
Proceeds from sale of other real estate owned	522,000	148,000
Recoveries on loans charged off	60,000	53,000
Proceeds from sale and purchases of premises and equipment, net	(14,000)	(58,000)
Net cash used in investing activities	(8,570,000)	(8,945,000)
Cash Flows from Financing Activities
Net change in time deposits	(7,087,000)	(4,009,000)
Net change in other deposits	6,740,000	6,538,000
Net cash (used in) provided by financing activities	(347,000)	2,529,000
Net change in cash and due from banks	(2,239,000)	(442,000)
Cash and due from banks at beginning of period	12,152,000	12,894,000
Cash and due from banks at end of period	9,913,000	12,452,000
Supplemental Disclosures of Cash Flow Information
Interest paid on deposits and borrowed funds	$ 1,062,000	$ 1,085,000
Income taxes paid
Supplemental Disclosure of Noncash Activities
Loans charged against the allowance for loan losses	$ 453,000	$ 260,000
Loans transferred to other real estate owned		363,000
Unrealized net gains on securities available for sale	$ 5,144,000	$ 3,774,000

Note 1 - General

Note 1 - General	3 Months Ended
	Mar. 31, 2016
Notes to Financial Statements
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	Note 1 : General The consolidated financial statements of National Bankshares, Inc. (“NBI”) and its wholly-owned subsidiaries, The National Bank of Blacksburg (“NBB”) and National Bankshares Financial Services, Inc. (“NBFS”) (collectively, the “Company”), conform to accounting principles generally accepted in the United States of America and to general practices within the banking industry. The accompanying interim period consolidated financial statements are unaudited; however, in the opinion of management, all adjustments consisting of normal recurring adjustments, which are necessary for a fair presentation of the consolidated financial statements, have been included. The results of operations for the three month period ended March 31, 2016 are not necessarily indicative of results of operations for the full year or any other interim period. The interim period consolidated financial statements and financial information included in this Form 10-Q should be read in conjunction with the notes to consolidated financial statements included in the Company’s 2015 Form 10-K. The Company posts all reports required to be filed under the Securities and Exchange Act of 1934 on its web site at www.nationalbankshares.com.

Note 2 - Stock-based Compensati

Note 2 - Stock-based Compensation	3 Months Ended
	Mar. 31, 2016
Notes to Financial Statements
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	Note 2 : Stock-Based Compensation The Company’s 1999 Stock Option Plan 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. There are no stock options outstanding as of March 31, 2016. There were no shares exercised during the three months ended March 31, 2015.

Note 3 - Loan Portfolio

Note 3 - Loan Portfolio	3 Months Ended
	Mar. 31, 2016
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	Note 3 : Loan Portfolio March 31, 2016 December 31, 2015 Real estate construction $ 39,193 $ 48,251 Consumer real estate 144,268 143,504 Commercial real estate 310,637 309,378 Commercial non real estate 33,682 37,571 Public sector and IDA 50,777 51,335 Consumer non real estate 29,933 29,845 Gross loans 608,490 619,884 Less unearned income and deferred fees (847 ) (876 ) Loans, net of unearned income and deferred fees $ 607,643 $ 619,008

Note 4 - Allowance for Loan Los

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans	3 Months Ended
	Mar. 31, 2016
Notes to Financial Statements
Allowance for Credit Losses [Text Block]	Note 4: Allowance for Loan Losses, Nonperforming Assets and Impaired Loans 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 original 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. Please refer to Note 1 of the Company’s 2015 Form 10-K, “Summary of Significant Accounting Policies” for additional information on evaluation of impaired loans and associated specific reserves, and policies regarding nonaccruals, past due status and charge-offs. Troubled debt restructures impact the estimation of the appropriate level of the allowance for loan losses. If the restructuring included forgiveness of a portion of principal, 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 and any amount of book value that exceeds fair value is accrued in the allowance for loan losses. TDRs that experience a payment default are examined to determine whether the default indicates collateral dependency or a decline in estimates of cash flow used in the fair value measurement. TDRs that are determined to be collateral-dependent, as well as all impaired loans that are determined to be collateral dependent, are charged down to fair value net of estimated costs to sell. 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 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”, “doubtful” or “loss”. 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 loan balances and not individually evaluated 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, the interest rate environment, and the competitive, legal and regulatory environments. 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 the Company’s 2015 10-K, 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 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. A ctivity in the Allowance for Loan Losses for the Three Months Ended March 31, 2016 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, 2015 $ 576 $ 1,866 $ 4,109 $ 655 $ 436 $ 627 $ 28 $ 8,297 Charge-offs (29 ) (22 ) (124 ) (211 ) --- (67 ) --- (453 ) Recoveries --- 1 38 --- --- 21 --- 60 Provision for loan losses (93 ) (115 ) (74 ) 308 (25 ) 3 199 203 Balance, March 31, 2016 $ 454 $ 1,730 $ 3,949 $ 752 $ 411 $ 584 $ 227 $ 8,107 A ctivity in the Allowance for Loan Losses for the Three Months Ended March 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 Balance, December 31, 2014 $ 612 $ 1,662 $ 3,537 $ 1,475 $ 327 $ 602 $ 48 $ 8,263 Charge-offs --- (72 ) (100 ) --- --- (88 ) --- (260 ) Recoveries --- --- 12 --- --- 41 --- 53 Provision for loan losses (145 ) 30 262 (59 ) 106 21 (14 ) 201 Balance, March 31, 2015 $ 467 $ 1,620 $ 3,711 $ 1,416 $ 433 $ 576 $ 34 $ 8,257 Activity in th e Allowance for Loan Losses 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 Allowance for Loan Losses as of March 31, 2016 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 $ 58 $ --- $ --- $ --- $ --- $ 80 Collectively evaluated for impairment 454 1,708 3,891 752 411 584 227 8,027 Total $ 454 $ 1,730 $ 3,949 $ 752 $ 411 $ 584 $ 227 $ 8,107 Allowance for Loan Losses 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 as of March 31, 2016 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 $ 682 $ 953 $ 11,537 $ 817 $ --- $ --- $ --- $ 13,989 Collectively evaluated for impairment 38,511 143,315 299,100 32,865 50,777 29,933 --- 594,501 Total loans $ 39,193 $ 144,268 $ 310,637 $ 33,682 $ 50,777 $ 29,933 $ --- $ 608,490 Loans 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 A summary of ratios for the allowance for loan losses follows. As of the Three Months Ended March 31, For the Year E nded December 31, 2016 2015 2015 Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees 1.33 % 1.33 % 1.34 % Ratio of net charge-offs to average loans, net of unearned income and deferred fees (1) 0.26 % 0.14 % 0.32 % (1) A summary of nonperforming assets follows. March 31, December 31, 2016 2015 2015 Nonperforming assets: Nonaccrual loans $ 1,901 $ 3,102 $ 2,043 Restructured loans in nonaccrual 4,504 6,123 4,639 Total nonperforming loans 6,405 9,225 6,682 Other real estate owned, net 3,612 4,573 4,165 Total nonperforming assets $ 10,017 $ 13,798 $ 10,847 Ratio of nonperforming assets to loans, net of unearned income and deferred fees, plus other real estate owned 1.64 % 2.20 % 1.74 % Ratio of allowance for loan losses to nonperforming loans ( 1 ) 126.57 % 89.51 % 124.17 % (1) A summary of loans past due 90 days or more and impaired loans follows. March 31, December 31, 2016 2015 2015 Loans past due 90 days or more and still accruing $ 328 $ 272 $ 156 Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees 0.05 % 0.04 % 0.03 % Accruing restructured loans $ 7,724 $ 5,992 $ 8,814 Impaired loans: Impaired loans with no valuation allowance $ 12,171 $ 11,265 $ 12,973 Impaired loans with a valuation allowance 1,818 3,729 2,373 Total impaired loans $ 13,989 $ 14,994 $ 15,346 Valuation allowance (80 ) (236 ) (45 ) Impaired loans, net of allowance $ 13,909 $ 14,758 $ 15,301 Average recorded investment in impaired loans (1) $ 14,796 $ 15,192 $ 17,297 Interest income recognized on impaired loans, after designation as impaired $ 125 $ 174 $ 769 Amount of income recognized on a cash basis $ --- $ --- $ --- (1) Nonaccrual loans that meet the Company’s balance threshold of $250 and all TDRs are designated as impaired. No interest income was recognized on nonaccrual loans for the three months ended March 31, 2016 or March 31, 2015 or for the year ended December 31, 2015. A detailed analysis of investment in impaired loans, associated reserves and interest income recognized, segregated by loan class follows. Impaired Loans as of March 31, 2016 Principal Balance Total Recorded Investment (1) Recorded Investment (1 ) Which There is No Related Allowance Recorded Investment (1) Which There is a Related Allowance Related Allowance Real Estate Construction (2) Construction 1-4 family residential $ 689 $ 682 $ 682 $ --- $ --- Co nsumer Real Estate (2) Residential closed-end first liens 708 664 303 361 13 Residential closed-end junior liens 214 214 --- 214 5 Investor-owned residential real estate 75 75 --- 75 4 Commercial Real Estate (2) Multifamily real estate 1,867 1,594 1,594 --- --- Commercial real estate, owner-occupied 4,213 4,165 2,997 1,168 58 Commercial real estate, other 5,966 5,778 5,778 --- --- Commercial Non Real Estate (2) Commercial and Industrial 824 817 817 --- --- Total $ 14,556 $ 13,989 $ 12,171 $ 1,818 $ 80 (1) (2) Impaired Loans as of December 31, 2015 Principal Balance Total Recorded Investment (1) Recorded Investment (1) Which There is No Related Allowance Recorded Investment (1) 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 (1) (2) The following tables show the average recorded investment and interest income recognized for impaired loans. For the Three Months Ended March 31, 2016 Average Recorded Investment (1) Interest Income Recognized Real Estate Construction (2) Construction 1-4 family residential $ 682 $ --- Co nsumer Real Estate (2) Residential closed-end first liens 667 10 Residential closed-end junior liens 216 4 Investor-owned residential real estate 75 1 Commercial Real Estate (2) Multifamily real estate 1,595 --- Commercial real estate, owner occupied 4,949 68 Commercial real estate, other 5,793 42 Commercial Non Real Estate (2) Commercial and Industrial 819 --- Total $ 14,796 $ 125 (1) (2) For the Three Months Ended March 31, 2015 Average Recorded Investment (1) Interest Income Recognized Co nsumer Real Estate (2) Residential closed-end first liens $ 501 $ 7 Residential closed-end junior liens 236 4 Investor-owned residential real estate 76 1 Commercial Real Estate (2) Multifamily real estate 2,708 25 Commercial real estate, owner occupied 4,974 58 Commercial real estate, other 6,023 80 Commercial Non Real Estate (2) Commercial and Industrial 674 (1 ) Total $ 15,192 $ 174 (1) (2) 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) (2) The Company reviews nonaccrual loans on an individual loan basis to determine whether future payments are reasonably assured. To satisfy this criteria, 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. Nonaccrual loans that demonstrate reasonable assurance of future payments and that have made at least six consecutive payments in accordance with repayment terms and timeframes may be returned to accrual status. A restructured loan that maintains current status for at least six months may be returned to accrual status. An analysis of past due and nonaccrual loans March 31, 2016 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 (1) Construction residential $ --- $ --- $ --- $ 683 Consumer Real Estate (1) Equity lines 9 48 48 --- Residential closed-end first liens 1,049 239 239 --- Residential closed-end junior liens 290 38 38 Investor-owned residential real estate 319 --- --- 11 Commercial Real Estate (1) Multifamily real estate 676 1,594 --- 1,594 Commercial real estate, owner-occupied --- 357 --- 485 Commercial real estate, other --- --- --- 2,820 Commercial Non Real Estate (1) Commercial and Industrial 22 812 --- 812 Consumer Non Real Estate (1) Credit cards 1 2 2 --- Automobile 195 --- --- --- Other consumer loans 21 2 1 --- Total $ 2,582 $ 3,092 $ 328 $ 6,405 (1) 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 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.” Allowance for loan loss 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 March 31, 2016 and December 31, 2015. The following displays collectively-evaluated loans by credit quality indicator. March 31, 2016 Pass Special Mention (Excluding Impaired) Classified (Excluding Impaired) Real Estate Construction Construction, 1-4 family residential $ 11,709 $ 3,694 $ --- Construction, other 23,108 --- --- Consumer Real Estate Equity lines 16,468 33 95 Closed-end first liens 76,645 728 1,729 Closed-end junior liens 5,041 23 130 Investor-owned residential real estate 41,635 30 758 Commercial Real Estate Multifamily residential real estate 81,296 --- 1,791 Commercial real estate owner-occupied 119,319 1,163 1,227 Commercial real estate, other 94,247 57 --- Commercial Non Real Estate Commercial and Industrial 32,400 234 231 Public Sector and IDA States and political subdivisions 50,777 --- --- Consumer Non Real Estate Credit cards 5,808 --- --- Automobile 12,509 75 188 Other consumer 11,241 82 30 Total $ 582,203 $ 6,119 $ 6,179 The following displays collectively-evaluated 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 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 reclassifications from portfolio loans to held for sale. There have been no loans held for sale transferred to portfolio loans. 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 The Company modifies loans in troubled debt restructurings. Total troubled debt restructurings amounted to $12,228 at March 31, 2016, $13,453 at December 31, 2015, and $12,115 at March 31, 2015. The Company did not modify any loans in troubled debt restructures during the three-month period ended March 31, 2016. The following table presents restructurings by class that occurred during the three-month period ended March 31, 2015. Note: Only classes with restructured loans are presented. Restructurings That Occurred During the Three Months Ended March 31, 2015 Number of Contracts Pre-Modification Outstanding Principal Balance Post-Modification Outstanding Principal Balance Commercial R eal E state Commercial real estate, owner occupied 1 994 907 Total 1 $ 994 $ 907 During the three-month period ended March 31, 2015, the Company restructured one loan to provide payment relief . The restructuring provided payment relief by forgiving principal of $100, capitalizing interest and re-amortizing payments. The fair value measurement of the restructured loan as of March 31, 2015 resulted in no specific allocation to the allowance for loan losses. The Company analyzed its TDR portfolio for loans that defaulted during the three month periods ended March 31, 2016 and March 31, 2015, and that 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-offs, or foreclosure after the date of restructuring. There were no restructured loans that defaulted that were modified within 12 months prior to default for the three month periods ended March 31, 2016 and 2015.

Note 5 - Securities

Note 5 - Securities	3 Months Ended
	Mar. 31, 2016
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 5: Securities The amortized costs, gross unrealized gains, gross unrealized losses and fair values for securities available for sale by major security type are as follows. March 31, 2016 Amortized Costs Gross Unrealized Gains Gross Unrealized Losses Fair Values Available for S ale: U.S. Government agencies and corporations $ 247,751 $ 1,085 $ 680 $ 248,156 States and political subdivisions 13,976 477 --- 14,453 Mortgage-backed securities 1,122 119 --- 1,241 Corporate debt securities 6,015 171 67 6,119 Other securities 189 --- 64 125 Total securities available for sale $ 269,053 $ 1,852 $ 811 $ 270,094 December 31, 2015 Amortized Costs Gross Unrealized Gains Gross Unrealized Losses Fair Values Available for S ale: 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 The amortized cost and fair value of single maturity securities available for sale at March 31, 2016, 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. March 3 1 , 201 6 Amortized Cost Fair Value Available for S ale: Due in one year or less $ 1,479 $ 1,503 Due after one year through five years 111,131 111,296 Due after give years through ten years 29,596 29,843 Due after ten years 126,658 127,327 No maturity 189 125 Total securities available for sale $ 269,053 $ 270,094 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 $1,170 as of March 31, 2016 and $1,129 as of December 31, 2015. The amortized costs, gross unrealized gains, gross unrealized losses and fair values for securities held to maturity by major security type are as follows. March 31, 2016 Amortized Gross Gross Fair Held to M aturity: U.S. Government agencies and corporations $ 8,909 $ 374 $ 30 $ 9,253 States and political subdivisions 134,023 6,390 212 140,201 Mortgage-backed securities 312 37 --- 349 Corporate debt securities 1,420 31 1 1,450 Total securities held to maturity $ 144,664 $ 6,832 $ 243 $ 151,253 December 31, 2015 Amortized Gross Gross Fair Held to M aturity: 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 The amortized cost and fair value of single maturity securities held to maturity at March 31, 2016, 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. March 31 , 201 6 Amortized Cost Fair Value Held to maturity : Due in one year or less $ 1,162 $ 1,162 Due after one year through five years 17,347 18,500 Due after give years through ten years 19,806 20,951 Due after ten years 106,349 110,640 Total securities held to maturity $ 144,664 $ 151,253 Information pertaining to securities with gross unrealized losses aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows. March 31, 2016 Less Than 12 Months 12 Months or More Fair Unrealized Fair Unrealized Temporarily I mpaired S ecurities: U.S. Government agencies and corporations $ 82,951 $ 363 $ 25,632 $ 347 States and political subdivisions 2,285 2 5,380 210 Corporate debt securities 2,184 67 200 1 Other securities --- --- 125 64 Total $ 87,420 $ 432 $ 31,337 $ 622 December 31, 2015 Less Than 12 Months 12 Months or More Fair Unrealized Fair Unrealized Temporarily I mpaired S ecurities: U.S. Government agencies and corporations $ 88,255 $ 1,800 $ 84,959 $ 3,329 States and political subdivisions 3,449 24 10,161 306 Corporate debt securities 4,974 292 200 1 Other securities --- --- 127 62 Total $ 96,678 $ 2,116 $ 95,447 $ 3,698 The Company had 125 securities with a fair value of $118,757 that were temporarily impaired at March 31, 2016. The total unrealized loss on these securities was $1,054. Of the temporarily impaired total, 36 securities with a fair value of $31,337 and an unrealized loss of $622 have been in a continuous loss position for twelve months or more. The Company has determined that these securities are temporarily impaired at March 31, 2016 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.

Note 6 - Recent Accounting Pron

Note 6 - Recent Accounting Pronouncements	3 Months Ended
	Mar. 31, 2016
Notes to Financial Statements
New Accounting Pronouncements and Changes in Accounting Principles [Text Block]	Note 6: Recent Accounting Pronouncements 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 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. 2016-02, “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. In March 2016, the FASB issued ASU No. 2016-07, “Investments – Equity Method and Joint Ventures (Topic 323): Simplifying the Transition to the Equity Method of Accounting.” The amendments in this ASU eliminate the requirement that when an investment qualifies for use of the equity method as a result of an increase in the level of ownership interest or degree of influence, an investor must adjust the investment, results of operations, and retained earnings retroactively on a step-by-step basis as if the equity method had been in effect during all previous periods that the investment had been held. The amendments require that the equity method investor add the cost of acquiring the additional interest in the investee to the current basis of the investor’s previously held interest and adopt the equity method of accounting as of the date the investment becomes qualified for equity method accounting. Therefore, upon qualifying for the equity method of accounting, no retroactive adjustment of the investment is required. In addition, the amendments in this ASU require that an entity that has an available-for-sale equity security that becomes qualified for the equity method of accounting recognize through earnings the unrealized holding gain or loss in accumulated other comprehensive income at the date the investment becomes qualified for use of the equity method. The amendments are effective for all entities for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2016. The amendments should be applied prospectively upon their effective date to increases in the level of ownership interest or degree of influence that result in the adoption of the equity method. Early adoption is permitted. The Company does not expect the adoption of ASU 2016-07 to have a material impact on its consolidated financial statements. During March 2016, the FASB issued ASU No. 2016-09, “Compensation – Stock Compensation (Topic 718): Improvements to Employee Share-Based Payment Accounting.” The amendments in this ASU simplify several aspects of the accounting for share-based payment award transactions including: (a) income tax consequences; (b) classification of awards as either equity or liabilities; and (c) classification on the statement of cash flows. The amendments are effective for public companies for annual periods beginning after December 15, 2016, and interim periods within those annual periods. The Company is currently assessing the impact that ASU 2016-09 will have on its consolidated financial statements.

Note 7 - Defined Benefit Plan

Note 7 - Defined Benefit Plan	3 Months Ended
	Mar. 31, 2016
Notes to Financial Statements
Pension and Other Postretirement Benefits Disclosure [Text Block]	Note 7: Defined Benefit Plan Components of Net Periodic Benefit Cost Pension Benefits Three Months Ended March 31, 2016 2015 Service cost $ 174 $ 155 Interest cost 189 167 Expected return on plan assets (272 ) (292 ) Amortization of prior service cost (27 ) (27 ) Recognized net actuarial loss 143 104 Net periodic benefit cost $ 207 $ 107 2016 Plan Year Employer Contribution For the three months ended March 31, 2016, the Company is not required to make a minimum contribution and has elected not to make a contribution to the Plan.

Note 8 - Fair Value Measurement

Note 8 - Fair Value Measurements	3 Months Ended
	Mar. 31, 2016
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 8 : Fair Value Measurements 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 come into play in determining the fair value of 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 assets and liabilities recorded at fair value on a recurring basis in the financial statements. Securities Available for Sale 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. Fair Value Measurements at March 31, 2016 Using Description Balance as of Quoted Prices Significant Significant U.S. Government agencies and corporations $ 248,156 $ --- $ 248,156 $ --- States and political subdivisions 14,453 --- 14,453 --- Mortgage-backed securities 1,241 --- 1,241 --- Corporate debt securities 6,119 --- 6,119 --- Other securities 125 --- 125 --- Total securities available for sale $ 270,094 $ --- $ 270,094 $ --- Fair Value Measurements at December 31, 2015 Using Description Balance as of Quoted Prices Significant Significant 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 $ --- Certain 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 assets recorded at fair value on a nonrecurring basis in the financial statements. Loans Held for Sale Loans held for sale are carried at the lower of cost or fair 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 offer at the report date 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 at March 31, 2016 or December 31, 2015. 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 when due 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 are 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). Impaired loans are measured quarterly for impairment. The Company employs the most applicable valuation method for each loan based on current information at the time of valuation. Valuations of loans using the collateral method may include a discount for selling costs if collection of the loan is expected to come from sale of the collateral. Fair value measurement using the collateral method for a loan that is dependent on the operation, but not the sale, of collateral for collection is not discounted for selling costs. The following table summarizes the Company’s impaired loans that were measured at fair value on a nonrecurring basis at March 31, 2016 and at December 31, 2015. Carrying Value Date Description Balance Quoted Prices Significant Significant Inputs Assets: March 31, 2016 Impaired loans net of valuation allowance $ 1,738 $ 1,738 December 31, 2015 Impaired loans net of valuation allowance 2,328 --- --- 2,328 The following tables present information about Level 3 Fair Value Measurements for March 31, 2016 and December 31, 2015. March 31, 2016 Valuation Technique Unobservable Input Range (Weighted Average) Impaired loans Present value of cash flows Market rate for borrower (discount rate) 5.50% – 8.00% (6.46%) 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%) Other Real Estate Owned Other real estate owned are real estate assets acquired in full or partial satisfaction of a loan. At acquisition, other real estate owned assets are measured at fair value. If the assets are marketed for sale by an outside party, the acquisition-date fair value is discounted by selling costs; if the assets are marketed for sale by the Company, no reduction to fair value for selling costs is made. Subsequent to acquisition, the assets are measured at the lower of initial measurement or current fair value, discounted for selling costs as appropriate. The fair value of an other real estate owned asset is determined by an income or market valuation approach based on an appraisal conducted by an independent, licensed appraiser outside of the Company using observable market data (Level 2). If the appraisal is discounted either for age or because management considers the real estate market to be experiencing volatility, then the fair value is considered Level 3. Discounts for selling costs also result in measurement based on Level 3 inputs. Fair value adjustments are measured on a nonrecurring basis and are recorded in the period incurred as valuation allowances to other real estate owned, and expensed through noninterest expense. The following table summarizes the Company’s other real estate owned that was measured at fair value on a nonrecurring basis. Carrying Value Date Description Balance Quoted Prices Significant Significant Inputs Assets: March 31, 2016 Other real estate owned net of valuation allowance $ 3,612 $ 3,612 December 31, 2015 Other real estate owned net of valuation allowance 4,165 --- --- 4,165 The following tables present information about Level 3 Fair Value Measurements for March 31, 2016 and December 31, 2015. March 31, 2016 Valuation Technique Unobservable Input Range (Weighted Average) Other real estate owned Discounted appraised value Selling cost 0.00%(1) – 10.00% (5.94%) Other real estate owned Discounted appraised value Discount for lack of marketability and age of appraisal 0.00% – 53.46% (10.29%) December 31, 2015 Valuation Technique Unobservable Input Range (Weighted Average) Other real estate owned Discounted appraised value Selling cost 0%(1) – 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%) (1) The following methods and assumptions were used by the Company in estimating fair value disclosures for financial instruments. Cash and Due from Banks and Interest-Bearing Deposits The carrying amounts approximate fair value. Securities The fair value of securities, excluding restricted stock, is 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 The fair value of loans held for sale is based on commitments on hand from investors or prevailing market prices. Loans Fair value for the loan portfolio is estimated on an account-level basis by discounting scheduled cash flows through the projected maturity for each loan. The calculation applies estimated market discount rates that reflect the credit and interest rate risk inherent in the loan. The estimate of maturity is based on the Company’s historical experience with repayments for loan classification, modified by an estimate of the effect of economic conditions on lending. Impaired loans are individually evaluated for fair value. Fair value for the Company’s impaired loans is estimated by using either discounted cash flows or the appraised value of collateral. Any amount of principal balance that exceeds fair value is accrued in the allowance for loan losses. Assumptions regarding credit risk, cash flows and discount rates are determined within management’s judgment, using available market information and specific borrower information. Discount rates for cash flow analysis are based on the loan’s interest rate, and cash flows are estimated based upon the loan’s historical payment performance and the borrower’s current financial condition. Appraisals may be discounted for age, reasonableness, and selling costs. 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. Bank -O wned Life I nsurance Bank owned life insurance represents insurance policies on officers of the Company and certain officers who are no longer employed by 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 the 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 March 31, 2016 and December 31, 2015, 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 follow. March 31, 2016 Carrying Quoted Prices in Active Markets for Identical Assets Level 1 Significant Other Observable Inputs Level 2 Significant Unobservable Inputs Level 3 Financial Assets: Cash and due from banks $ 9,913 $ 9,913 $ --- $ --- Interest-bearing deposits 129,363 129,363 --- --- Securities 414,758 --- 421,347 --- Restricted securities 1,170 --- 1,170 --- Loans held for sale 63 --- 63 --- Loans, net 599,536 --- --- 617,299 Accrued interest receivable 5,587 --- 5,587 --- Bank-owned life insurance 22,548 --- 22,548 --- Financial Liabilities: Deposits $ 1,018,512 $ --- $ 833,216 $ 184,002 Accrued interest payable 62 --- 62 --- December 31, 2015 Carrying Quoted Prices in Active Markets for Identical Assets Level 1 Significant Other Observable Inputs Level 2 Significant Unobservable Inputs 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 ---

Note 9 - Components of Accumula

Note 9 - Components of Accumulated Other Comprehensive Loss	3 Months Ended
	Mar. 31, 2016
Notes to Financial Statements
Comprehensive Income (Loss) Note [Text Block]	Note 9 : Components of Accumulated Other Comprehensive Loss Net Unrealized Gain (Loss) on Securities Adjustments Related to Pension Benefits Accumulated Other Comprehensive Loss Balance at December 31, 201 4 $ (1,582 ) $ (4,090 ) $ (5,672 ) Unrealized holding gains on available for sale securities, net of tax of $1,320 2,452 --- 2,452 Reclassification adjustment, net of tax of $1 1 --- 1 Balance at March 31, 2015 $ 871 $ (4,090 ) $ (3,219 ) Balance at December 31, 201 5 $ (2,666 ) $ (5,270 ) $ (7,936 ) Unrealized holding gains on available for sale securities net of tax of $1,809 3,359 --- 3,359 Reclassification adjustment, net of tax of ($8) (16 ) --- (16 ) Balance at March 31, 2016 $ 677 $ (5,270 ) $ (4,593 ) The following provides information regarding reclassifications out of accumulated comprehensive loss for the three month periods ended March 31, 2016 and March 31, 2015. Three Months Ended March 31, 2016 March 31, 2015 Reclassification out of unrealized gains and losses on available-for-sale securities: Realized securities (gains) losses, net $ (24 ) $ 2 Income tax expense (benefit) 8 (1 ) Realized (gains) losses on available-for-sale securities, net of tax, reclassified out of accumulated other comprehensive income $ (16 ) $ 1

Note 3 - Loan Portfolio (Tables

Note 3 - Loan Portfolio (Tables)	3 Months Ended
	Mar. 31, 2016
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	March 31, 2016 December 31, 2015 Real estate construction $ 39,193 $ 48,251 Consumer real estate 144,268 143,504 Commercial real estate 310,637 309,378 Commercial non real estate 33,682 37,571 Public sector and IDA 50,777 51,335 Consumer non real estate 29,933 29,845 Gross loans 608,490 619,884 Less unearned income and deferred fees (847 ) (876 ) Loans, net of unearned income and deferred fees $ 607,643 $ 619,008

Note 4 - Allowance for Loan L20

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)	3 Months Ended
	Mar. 31, 2016
Notes Tables
Allowance for Credit Losses on Financing Receivables [Table Text Block]	A ctivity in the Allowance for Loan Losses for the Three Months Ended March 31, 2016 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, 2015 $ 576 $ 1,866 $ 4,109 $ 655 $ 436 $ 627 $ 28 $ 8,297 Charge-offs (29 ) (22 ) (124 ) (211 ) --- (67 ) --- (453 ) Recoveries --- 1 38 --- --- 21 --- 60 Provision for loan losses (93 ) (115 ) (74 ) 308 (25 ) 3 199 203 Balance, March 31, 2016 $ 454 $ 1,730 $ 3,949 $ 752 $ 411 $ 584 $ 227 $ 8,107 A ctivity in the Allowance for Loan Losses for the Three Months Ended March 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 Balance, December 31, 2014 $ 612 $ 1,662 $ 3,537 $ 1,475 $ 327 $ 602 $ 48 $ 8,263 Charge-offs --- (72 ) (100 ) --- --- (88 ) --- (260 ) Recoveries --- --- 12 --- --- 41 --- 53 Provision for loan losses (145 ) 30 262 (59 ) 106 21 (14 ) 201 Balance, March 31, 2015 $ 467 $ 1,620 $ 3,711 $ 1,416 $ 433 $ 576 $ 34 $ 8,257 Activity in th e Allowance for Loan Losses 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
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]	Allowance for Loan Losses as of March 31, 2016 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 $ 58 $ --- $ --- $ --- $ --- $ 80 Collectively evaluated for impairment 454 1,708 3,891 752 411 584 227 8,027 Total $ 454 $ 1,730 $ 3,949 $ 752 $ 411 $ 584 $ 227 $ 8,107 Allowance for Loan Losses 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 as of March 31, 2016 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 $ 682 $ 953 $ 11,537 $ 817 $ --- $ --- $ --- $ 13,989 Collectively evaluated for impairment 38,511 143,315 299,100 32,865 50,777 29,933 --- 594,501 Total loans $ 39,193 $ 144,268 $ 310,637 $ 33,682 $ 50,777 $ 29,933 $ --- $ 608,490 Loans 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
Schedule of Ratios for Allowance for Loan Losses [Table Text Block]	As of the Three Months Ended March 31, For the Year E nded December 31, 2016 2015 2015 Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees 1.33 % 1.33 % 1.34 % Ratio of net charge-offs to average loans, net of unearned income and deferred fees (1) 0.26 % 0.14 % 0.32 %
Schedule of Nonperforming Assets [Table Text Block]	March 31, December 31, 2016 2015 2015 Nonperforming assets: Nonaccrual loans $ 1,901 $ 3,102 $ 2,043 Restructured loans in nonaccrual 4,504 6,123 4,639 Total nonperforming loans 6,405 9,225 6,682 Other real estate owned, net 3,612 4,573 4,165 Total nonperforming assets $ 10,017 $ 13,798 $ 10,847 Ratio of nonperforming assets to loans, net of unearned income and deferred fees, plus other real estate owned 1.64 % 2.20 % 1.74 % Ratio of allowance for loan losses to nonperforming loans ( 1 ) 126.57 % 89.51 % 124.17 %
Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block]	March 31, December 31, 2016 2015 2015 Loans past due 90 days or more and still accruing $ 328 $ 272 $ 156 Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees 0.05 % 0.04 % 0.03 % Accruing restructured loans $ 7,724 $ 5,992 $ 8,814 Impaired loans: Impaired loans with no valuation allowance $ 12,171 $ 11,265 $ 12,973 Impaired loans with a valuation allowance 1,818 3,729 2,373 Total impaired loans $ 13,989 $ 14,994 $ 15,346 Valuation allowance (80 ) (236 ) (45 ) Impaired loans, net of allowance $ 13,909 $ 14,758 $ 15,301 Average recorded investment in impaired loans (1) $ 14,796 $ 15,192 $ 17,297 Interest income recognized on impaired loans, after designation as impaired $ 125 $ 174 $ 769 Amount of income recognized on a cash basis $ --- $ --- $ ---
Impaired Financing Receivables [Table Text Block]	Impaired Loans as of March 31, 2016 Principal Balance Total Recorded Investment (1) Recorded Investment (1 ) Which There is No Related Allowance Recorded Investment (1) Which There is a Related Allowance Related Allowance Real Estate Construction (2) Construction 1-4 family residential $ 689 $ 682 $ 682 $ --- $ --- Co nsumer Real Estate (2) Residential closed-end first liens 708 664 303 361 13 Residential closed-end junior liens 214 214 --- 214 5 Investor-owned residential real estate 75 75 --- 75 4 Commercial Real Estate (2) Multifamily real estate 1,867 1,594 1,594 --- --- Commercial real estate, owner-occupied 4,213 4,165 2,997 1,168 58 Commercial real estate, other 5,966 5,778 5,778 --- --- Commercial Non Real Estate (2) Commercial and Industrial 824 817 817 --- --- Total $ 14,556 $ 13,989 $ 12,171 $ 1,818 $ 80 Impaired Loans as of December 31, 2015 Principal Balance Total Recorded Investment (1) Recorded Investment (1) Which There is No Related Allowance Recorded Investment (1) 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 Financing Receivable Average Investment And Interest Income [Table Text Block]	For the Three Months Ended March 31, 2016 Average Recorded Investment (1) Interest Income Recognized Real Estate Construction (2) Construction 1-4 family residential $ 682 $ --- Co nsumer Real Estate (2) Residential closed-end first liens 667 10 Residential closed-end junior liens 216 4 Investor-owned residential real estate 75 1 Commercial Real Estate (2) Multifamily real estate 1,595 --- Commercial real estate, owner occupied 4,949 68 Commercial real estate, other 5,793 42 Commercial Non Real Estate (2) Commercial and Industrial 819 --- Total $ 14,796 $ 125 For the Three Months Ended March 31, 2015 Average Recorded Investment (1) Interest Income Recognized Co nsumer Real Estate (2) Residential closed-end first liens $ 501 $ 7 Residential closed-end junior liens 236 4 Investor-owned residential real estate 76 1 Commercial Real Estate (2) Multifamily real estate 2,708 25 Commercial real estate, owner occupied 4,974 58 Commercial real estate, other 6,023 80 Commercial Non Real Estate (2) Commercial and Industrial 674 (1 ) Total $ 15,192 $ 174 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
Past Due Financing Receivables [Table Text Block]	March 31, 2016 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 (1) Construction residential $ --- $ --- $ --- $ 683 Consumer Real Estate (1) Equity lines 9 48 48 --- Residential closed-end first liens 1,049 239 239 --- Residential closed-end junior liens 290 38 38 Investor-owned residential real estate 319 --- --- 11 Commercial Real Estate (1) Multifamily real estate 676 1,594 --- 1,594 Commercial real estate, owner-occupied --- 357 --- 485 Commercial real estate, other --- --- --- 2,820 Commercial Non Real Estate (1) Commercial and Industrial 22 812 --- 812 Consumer Non Real Estate (1) Credit cards 1 2 2 --- Automobile 195 --- --- --- Other consumer loans 21 2 1 --- Total $ 2,582 $ 3,092 $ 328 $ 6,405 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
Financing Receivable Credit Quality Indicators [Table Text Block]	March 31, 2016 Pass Special Mention (Excluding Impaired) Classified (Excluding Impaired) Real Estate Construction Construction, 1-4 family residential $ 11,709 $ 3,694 $ --- Construction, other 23,108 --- --- Consumer Real Estate Equity lines 16,468 33 95 Closed-end first liens 76,645 728 1,729 Closed-end junior liens 5,041 23 130 Investor-owned residential real estate 41,635 30 758 Commercial Real Estate Multifamily residential real estate 81,296 --- 1,791 Commercial real estate owner-occupied 119,319 1,163 1,227 Commercial real estate, other 94,247 57 --- Commercial Non Real Estate Commercial and Industrial 32,400 234 231 Public Sector and IDA States and political subdivisions 50,777 --- --- Consumer Non Real Estate Credit cards 5,808 --- --- Automobile 12,509 75 188 Other consumer 11,241 82 30 Total $ 582,203 $ 6,119 $ 6,179 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
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	Restructurings That Occurred During the Three Months Ended March 31, 2015 Number of Contracts Pre-Modification Outstanding Principal Balance Post-Modification Outstanding Principal Balance Commercial R eal E state Commercial real estate, owner occupied 1 994 907 Total 1 $ 994 $ 907

Note 5 - Securities (Tables)

Note 5 - Securities (Tables)	3 Months Ended
	Mar. 31, 2016
Notes Tables
Available-for-sale Securities [Table Text Block]	March 31, 2016 Amortized Costs Gross Unrealized Gains Gross Unrealized Losses Fair Values Available for S ale: U.S. Government agencies and corporations $ 247,751 $ 1,085 $ 680 $ 248,156 States and political subdivisions 13,976 477 --- 14,453 Mortgage-backed securities 1,122 119 --- 1,241 Corporate debt securities 6,015 171 67 6,119 Other securities 189 --- 64 125 Total securities available for sale $ 269,053 $ 1,852 $ 811 $ 270,094 December 31, 2015 Amortized Costs Gross Unrealized Gains Gross Unrealized Losses Fair Values Available for S ale: 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
Investments Classified by Contractual Maturity Date [Table Text Block]	March 3 1 , 201 6 Amortized Cost Fair Value Available for S ale: Due in one year or less $ 1,479 $ 1,503 Due after one year through five years 111,131 111,296 Due after give years through ten years 29,596 29,843 Due after ten years 126,658 127,327 No maturity 189 125 Total securities available for sale $ 269,053 $ 270,094 March 31 , 201 6 Amortized Cost Fair Value Held to maturity : Due in one year or less $ 1,162 $ 1,162 Due after one year through five years 17,347 18,500 Due after give years through ten years 19,806 20,951 Due after ten years 106,349 110,640 Total securities held to maturity $ 144,664 $ 151,253
Held-to-maturity Securities [Table Text Block]	March 31, 2016 Amortized Gross Gross Fair Held to M aturity: U.S. Government agencies and corporations $ 8,909 $ 374 $ 30 $ 9,253 States and political subdivisions 134,023 6,390 212 140,201 Mortgage-backed securities 312 37 --- 349 Corporate debt securities 1,420 31 1 1,450 Total securities held to maturity $ 144,664 $ 6,832 $ 243 $ 151,253 December 31, 2015 Amortized Gross Gross Fair Held to M aturity: 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
Schedule of Temporary Impairment Losses, Investments [Table Text Block]	March 31, 2016 Less Than 12 Months 12 Months or More Fair Unrealized Fair Unrealized Temporarily I mpaired S ecurities: U.S. Government agencies and corporations $ 82,951 $ 363 $ 25,632 $ 347 States and political subdivisions 2,285 2 5,380 210 Corporate debt securities 2,184 67 200 1 Other securities --- --- 125 64 Total $ 87,420 $ 432 $ 31,337 $ 622 December 31, 2015 Less Than 12 Months 12 Months or More Fair Unrealized Fair Unrealized Temporarily I mpaired S ecurities: U.S. Government agencies and corporations $ 88,255 $ 1,800 $ 84,959 $ 3,329 States and political subdivisions 3,449 24 10,161 306 Corporate debt securities 4,974 292 200 1 Other securities --- --- 127 62 Total $ 96,678 $ 2,116 $ 95,447 $ 3,698

Note 7 - Defined Benefit Plan (

Note 7 - Defined Benefit Plan (Tables)	3 Months Ended
	Mar. 31, 2016
Notes Tables
Schedule of Defined Benefit Plans Disclosures [Table Text Block]	Pension Benefits Three Months Ended March 31, 2016 2015 Service cost $ 174 $ 155 Interest cost 189 167 Expected return on plan assets (272 ) (292 ) Amortization of prior service cost (27 ) (27 ) Recognized net actuarial loss 143 104 Net periodic benefit cost $ 207 $ 107

Note 8 - Fair Value Measureme23

Note 8 - Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2016
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Fair Value Measurements at March 31, 2016 Using Description Balance as of Quoted Prices Significant Significant U.S. Government agencies and corporations $ 248,156 $ --- $ 248,156 $ --- States and political subdivisions 14,453 --- 14,453 --- Mortgage-backed securities 1,241 --- 1,241 --- Corporate debt securities 6,119 --- 6,119 --- Other securities 125 --- 125 --- Total securities available for sale $ 270,094 $ --- $ 270,094 $ --- Fair Value Measurements at December 31, 2015 Using Description Balance as of Quoted Prices Significant Significant 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, Nonrecurring [Table Text Block]	Carrying Value Date Description Balance Quoted Prices Significant Significant Inputs Assets: March 31, 2016 Impaired loans net of valuation allowance $ 1,738 $ 1,738 December 31, 2015 Impaired loans net of valuation allowance 2,328 --- --- 2,328 Carrying Value Date Description Balance Quoted Prices Significant Significant Inputs Assets: March 31, 2016 Other real estate owned net of valuation allowance $ 3,612 $ 3,612 December 31, 2015 Other real estate owned net of valuation allowance 4,165 --- --- 4,165
Fair Value Inputs, Assets, Quantitative Information [Table Text Block]	March 31, 2016 Valuation Technique Unobservable Input Range (Weighted Average) Impaired loans Present value of cash flows Market rate for borrower (discount rate) 5.50% – 8.00% (6.46%) 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%) March 31, 2016 Valuation Technique Unobservable Input Range (Weighted Average) Other real estate owned Discounted appraised value Selling cost 0.00%(1) – 10.00% (5.94%) Other real estate owned Discounted appraised value Discount for lack of marketability and age of appraisal 0.00% – 53.46% (10.29%) December 31, 2015 Valuation Technique Unobservable Input Range (Weighted Average) Other real estate owned Discounted appraised value Selling cost 0%(1) – 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%)
Fair Value, by Balance Sheet Grouping [Table Text Block]	March 31, 2016 Carrying Quoted Prices in Active Markets for Identical Assets Level 1 Significant Other Observable Inputs Level 2 Significant Unobservable Inputs Level 3 Financial Assets: Cash and due from banks $ 9,913 $ 9,913 $ --- $ --- Interest-bearing deposits 129,363 129,363 --- --- Securities 414,758 --- 421,347 --- Restricted securities 1,170 --- 1,170 --- Loans held for sale 63 --- 63 --- Loans, net 599,536 --- --- 617,299 Accrued interest receivable 5,587 --- 5,587 --- Bank-owned life insurance 22,548 --- 22,548 --- Financial Liabilities: Deposits $ 1,018,512 $ --- $ 833,216 $ 184,002 Accrued interest payable 62 --- 62 --- December 31, 2015 Carrying Quoted Prices in Active Markets for Identical Assets Level 1 Significant Other Observable Inputs Level 2 Significant Unobservable Inputs 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 ---

Note 9 - Components of Accumu24

Note 9 - Components of Accumulated Other Comprehensive Loss (Tables)	3 Months Ended
	Mar. 31, 2016
Notes Tables
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	Net Unrealized Gain (Loss) on Securities Adjustments Related to Pension Benefits Accumulated Other Comprehensive Loss Balance at December 31, 201 4 $ (1,582 ) $ (4,090 ) $ (5,672 ) Unrealized holding gains on available for sale securities, net of tax of $1,320 2,452 --- 2,452 Reclassification adjustment, net of tax of $1 1 --- 1 Balance at March 31, 2015 $ 871 $ (4,090 ) $ (3,219 ) Balance at December 31, 201 5 $ (2,666 ) $ (5,270 ) $ (7,936 ) Unrealized holding gains on available for sale securities net of tax of $1,809 3,359 --- 3,359 Reclassification adjustment, net of tax of ($8) (16 ) --- (16 ) Balance at March 31, 2016 $ 677 $ (5,270 ) $ (4,593 )
Reclassification out of Accumulated Other Comprehensive Income [Table Text Block]	Three Months Ended March 31, 2016 March 31, 2015 Reclassification out of unrealized gains and losses on available-for-sale securities: Realized securities (gains) losses, net $ (24 ) $ 2 Income tax expense (benefit) 8 (1 ) Realized (gains) losses on available-for-sale securities, net of tax, reclassified out of accumulated other comprehensive income $ (16 ) $ 1

Note 2 - Stock-based Compensa25

Note 2 - Stock-based Compensation (Details Textual) - shares	3 Months Ended
	Mar. 31, 2015	Mar. 31, 2016
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number		0
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period	0

Note 3 - Loan Portfolio - Loan

Note 3 - Loan Portfolio - Loan Portfolio, Excluding Loans Held for Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Real Estate Construction Portfolio Segment[Member]
Loans receivable, gross	$ 39,193	$ 48,251
Consumer Real Estate Portfolio Segment [Member]
Loans receivable, gross	144,268	143,504
Commercial Real Estate Portfolio Segment [Member]
Loans receivable, gross	310,637	309,378
Commercial Portfolio Segment [Member]
Loans receivable, gross	33,682	37,571
Public Sector and IDA Portfolio Segment[Member]
Loans receivable, gross	50,777	51,335
Consumer Portfolio Segment [Member]
Loans receivable, gross	29,933	29,845
Loans receivable, gross	608,490	619,884
Less unearned income and deferred fees	(847)	(876)
Loans, net of unearned income and deferred fees	$ 607,643	$ 619,008

Note 4 - Allowance for Loan L27

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details Textual)	3 Months Ended		12 Months Ended
	Mar. 31, 2016USD ($)	Mar. 31, 2015USD ($)	Dec. 31, 2015USD ($)
Nonperforming Financial Instruments [Member]
Interest and Fee Income, Loans and Leases	$ 0	$ 0	$ 0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Forgive Principal, Reduce Interest Rate, Capitalize Interest, and Re-amortize Payments [Member]
Allowance for Credit Losses, Change in Method of Calculating Impairment		0
Financing Receivable Modifications Principal Forgiven		$ 100,000
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Financing Receivable, Modifications, Number of Contracts		1
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Modifications, Number of Contracts		1
Special Mention [Member]
Increase in Percentage of Allocation Loans Rated Special Mention	50.00%
Classified Excluding Impaired [Member]
Increase in Percentage of Allocation Loans Rated Classified	100.00%
Interest and Fee Income, Loans and Leases	$ 7,334,000	$ 7,610,000
Financing Receivable, Reclassification to Held-for-sale	0
Transfer of Loans Held-for-sale to Portfolio Loans	$ 0
Financing Receivable, Modifications, Number of Contracts	0
Financing Receivable, Modifications, Subsequent Default, Number of Contracts	0	0
Threshold for Designation to Impaired Status	$ 250,000
Threshold Period for Considering Loans as Special Mention or Classified	75 days
Financing Receivable, Modifications, Recorded Investment	$ 12,228,000	$ 12,115,000	$ 13,453,000

Note 4 - Allowance for Loan L28

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Allowance for Loan Losses (Details) - USD ($)	3 Months Ended		12 Months Ended
	Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Real Estate Construction Portfolio Segment[Member]
Balance	$ 576,000	$ 612,000	$ 612,000
Charge-offs	(29,000)	0	0
Recoveries	0	0	0
Provision for loan losses	(93,000)	(145,000)	(36,000)
Balance	454,000	467,000	576,000
Consumer Real Estate Portfolio Segment [Member]
Balance	1,866,000	1,662,000	1,662,000
Charge-offs	(22,000)	(72,000)	(205,000)
Recoveries	1,000	0	2,000
Provision for loan losses	(115,000)	30,000	407,000
Balance	1,730,000	1,620,000	1,866,000
Commercial Real Estate Portfolio Segment [Member]
Balance	4,109,000	3,537,000	3,537,000
Charge-offs	(124,000)	(100,000)	(1,114,000)
Recoveries	38,000	12,000	49,000
Provision for loan losses	(74,000)	262,000	1,637,000
Balance	3,949,000	3,711,000	4,109,000
Commercial Non Real Estate Segment [Member]
Balance	655,000	1,475,000	1,475,000
Charge-offs	(211,000)	0	(490,000)
Recoveries	0	0	1,000
Provision for loan losses	308,000	(59,000)	(331,000)
Balance	752,000	1,416,000	655,000
Public Sector and IDA Portfolio Segment[Member]
Balance	436,000	327,000	327,000
Charge-offs	0	0	0
Recoveries	0	0	0
Provision for loan losses	(25,000)	106,000	109,000
Balance	411,000	433,000	436,000
Consumer Non Real Estate Portfolio Segment [Member]
Balance	627,000	602,000	602,000
Charge-offs	(67,000)	(88,000)	(311,000)
Recoveries	21,000	41,000	93,000
Provision for loan losses	3,000	21,000	243,000
Balance	584,000	576,000	627,000
Unallocated Financing Receivables [Member]
Balance	28,000	48,000	48,000
Charge-offs	0	0	0
Recoveries	0	0	0
Provision for loan losses	199,000	(14,000)	(20,000)
Balance	227,000	34,000	28,000
Balance	8,297,000	8,263,000	8,263,000
Charge-offs	(453,000)	(260,000)	(2,120,000)
Recoveries	60,000	53,000	145,000
Provision for loan losses	203,000	201,000	2,009,000
Balance	$ 8,107,000	$ 8,257,000	$ 8,297,000

Note 4 - Allowance for Loan L29

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Loans and Allowance for Loan Losses by Evaluation Method (Details) - USD ($)	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015	Dec. 31, 2014
Real Estate Construction Portfolio Segment[Member]
Individually evaluated for impairment	$ 0	$ 0
Collectively evaluated for impairment	454,000	576,000
Total	454,000	576,000	$ 467,000	$ 612,000
Individually evaluated for impairment	682,000	718,000
Collectively evaluated for impairment	38,511,000	47,533,000
Loans receivable, gross	39,193,000	48,251,000
Consumer Real Estate Portfolio Segment [Member]
Individually evaluated for impairment	22,000	22,000
Collectively evaluated for impairment	1,708,000	1,844,000
Total	1,730,000	1,866,000	1,620,000	1,662,000
Individually evaluated for impairment	953,000	962,000
Collectively evaluated for impairment	143,315,000	142,542,000
Loans receivable, gross	144,268,000	143,504,000
Commercial Real Estate Portfolio Segment [Member]
Individually evaluated for impairment	58,000	23,000
Collectively evaluated for impairment	3,891,000	4,086,000
Total	3,949,000	4,109,000	3,711,000	3,537,000
Individually evaluated for impairment	11,537,000	12,575,000
Collectively evaluated for impairment	299,100,000	296,803,000
Loans receivable, gross	310,637,000	309,378,000
Commercial Non Real Estate Segment [Member]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	752,000	655,000
Total	752,000	655,000	1,416,000	1,475,000
Individually evaluated for impairment	817,000	1,091,000
Collectively evaluated for impairment	32,865,000	36,480,000
Loans receivable, gross	33,682,000	37,571,000
Public Sector and IDA Portfolio Segment[Member]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	411,000	436,000
Total	411,000	436,000	433,000	327,000
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	50,777,000	51,335,000
Loans receivable, gross	50,777,000	51,335,000
Consumer Non Real Estate Portfolio Segment [Member]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	584,000	627,000
Total	584,000	627,000	576,000	602,000
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	29,933,000	29,845,000
Loans receivable, gross	29,933,000	29,845,000
Unallocated Financing Receivables [Member]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	227,000	28,000
Total	227,000	28,000	34,000	48,000
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	0	0
Loans receivable, gross	0	0
Individually evaluated for impairment	80,000	45,000
Collectively evaluated for impairment	8,027,000	8,252,000
Total	8,107,000	8,297,000	$ 8,257,000	$ 8,263,000
Individually evaluated for impairment	13,989,000	15,346,000
Collectively evaluated for impairment	594,501,000	604,538,000
Loans receivable, gross	$ 608,490,000	$ 619,884,000

Note 4 - Allowance for Loan L30

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Ratios of Allowance for Loan Losses (Details)		3 Months Ended		12 Months Ended
		Mar. 31, 2016	Mar. 31, 2015	Dec. 31, 2015
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees		1.33%	1.33%	1.34%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees(1)	[1]	0.26%	0.14%	0.32%
[1]	Net charge-offs are on an annualized basis.

Note 4 - Allowance for Loan L31

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Nonperforming Assets (Details) - USD ($) $ in Thousands		Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015
Nonaccrual loans		$ 1,901	$ 2,043	$ 3,102
Restructured loans in nonaccrual		4,504	4,639	6,123
Total nonperforming loans		6,405	6,682	9,225
Other real estate owned, net		3,612	4,165	4,573
Total nonperforming assets		$ 10,017	$ 10,847	$ 13,798
Ratio of nonperforming assets to loans, net of unearned income and deferred fees, plus other real estate owned		1.64%	1.74%	2.20%
Ratio of allowance for loan losses to nonperforming loans(1)	[1]	126.57%	124.17%	89.51%
[1]	The Company defines nonperforming loans as nonaccrual loans. Loans 90 days or more past due and still accruing and accruing restructured loans are excluded.

Note 4 - Allowance for Loan L32

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Loans Past Due 90 Days or More and Impaired Loans (Details) - USD ($) $ in Thousands		3 Months Ended			12 Months Ended
		Mar. 31, 2016		Mar. 31, 2015	Dec. 31, 2015
Loans past due 90 days or more and still accruing		$ 328		$ 272	$ 156
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees		0.05%		0.04%	0.03%
Accruing restructured loans		$ 7,724		$ 5,992	$ 8,814
Impaired loans with no valuation allowance		12,171	[1],[2]	11,265	12,973	[1],[2]
Impaired loans with a valuation allowance		1,818	[1],[2]	3,729	2,373	[1],[2]
Total impaired loans		13,989	[1],[2]	14,994	15,346	[1],[2]
Valuation allowance		(80)	[1]	(236)	(45)	[1]
Impaired loans, net of allowance		13,909		14,758	15,301
Average recorded investment in impaired loans(1)	[3],[4],[5]	14,796		15,192	17,297
Interest income recognized on impaired loans, after designation as impaired	[3]	$ 125		$ 174	$ 769
[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.
[3]	Only classes with impaired loans are shown.
[4]	Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status.
[5]	Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status.

Note 4 - Allowance for Loan L33

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Impaired Loans and Associated Reserves (Details) - USD ($)		Mar. 31, 2016		Dec. 31, 2015		Mar. 31, 2015
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member]
Principal Balance	[1]	$ 689,000		$ 718,000
Total impaired loans	[1],[2]	682,000		718,000
Impaired loans with no valuation allowance	[1],[2]	682,000		718,000
Impaired loans with a valuation allowance	[1],[2]	0		0
Related Allowance	[1]	0		0
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Principal Balance	[1]	708,000		713,000
Total impaired loans	[1],[2]	664,000		669,000
Impaired loans with no valuation allowance	[1],[2]	303,000		305,000
Impaired loans with a valuation allowance	[1],[2]	361,000		364,000
Related Allowance	[1]	13,000		13,000
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member]
Principal Balance	[1]	214,000		218,000
Total impaired loans	[1],[2]	214,000		218,000
Impaired loans with no valuation allowance	[1],[2]	0		0
Impaired loans with a valuation allowance	[1],[2]	214,000		218,000
Related Allowance	[1]	5,000		5,000
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Principal Balance	[1]	75,000		75,000
Total impaired loans	[1],[2]	75,000		75,000
Impaired loans with no valuation allowance	[1],[2]	0		0
Impaired loans with a valuation allowance	[1],[2]	75,000		75,000
Related Allowance	[1]	4,000		4,000
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member]
Principal Balance	[1]	1,867,000		1,988,000
Total impaired loans	[1],[2]	1,594,000		1,728,000
Impaired loans with no valuation allowance	[1],[2]	1,594,000		1,728,000
Impaired loans with a valuation allowance	[1],[2]	0		0
Related Allowance	[1]	0		0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Principal Balance	[1]	4,213,000		5,068,000
Total impaired loans	[1],[2]	4,165,000		5,020,000
Impaired loans with no valuation allowance	[1],[2]	2,997,000		3,304,000
Impaired loans with a valuation allowance	[1],[2]	1,168,000		1,716,000
Related Allowance	[1]	58,000		23,000
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Principal Balance	[1]	5,966,000		5,990,000
Total impaired loans	[1],[2]	5,778,000		5,827,000
Impaired loans with no valuation allowance	[1],[2]	5,778,000		5,827,000
Impaired loans with a valuation allowance	[1],[2]	0		0
Related Allowance	[1]	0		0
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Principal Balance	[1]	824,000		1,099,000
Total impaired loans	[1],[2]	817,000		1,091,000
Impaired loans with no valuation allowance	[1],[2]	817,000		1,091,000
Impaired loans with a valuation allowance	[1],[2]	0		0
Related Allowance	[1]	0		0
Principal Balance	[1]	14,556,000		15,869,000
Total impaired loans		13,989,000	[1],[2]	15,346,000	[1],[2]	$ 14,994,000
Impaired loans with no valuation allowance		12,171,000	[1],[2]	12,973,000	[1],[2]	11,265,000
Impaired loans with a valuation allowance		1,818,000	[1],[2]	2,373,000	[1],[2]	3,729,000
Related Allowance		$ 80,000	[1]	$ 45,000	[1]	$ 236,000
[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 4 - Allowance for Loan L34

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Impaired Loans, Average Investment and Interest Income (Details) - USD ($)		3 Months Ended				12 Months Ended
		Mar. 31, 2016		Mar. 31, 2015		Dec. 31, 2015
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member]
Average recorded investment in impaired loans(1)	[1],[2]	$ 682,000				$ 612,000
Interest income recognized on impaired loans, after designation as impaired		0				23,000
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Average recorded investment in impaired loans(1)	[1],[2]	667,000		$ 501,000		681,000
Interest income recognized on impaired loans, after designation as impaired		10,000	[2]	7,000		43,000	[2]
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member]
Average recorded investment in impaired loans(1)	[1],[2]	216,000		236,000		228,000
Interest income recognized on impaired loans, after designation as impaired	[2]	4,000		4,000		15,000
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Average recorded investment in impaired loans(1)	[1],[2]	75,000		76,000		76,000
Interest income recognized on impaired loans, after designation as impaired	[2]	1,000		1,000		5,000
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member]
Average recorded investment in impaired loans(1)	[1],[2]	1,595,000		2,708,000		2,581,000
Interest income recognized on impaired loans, after designation as impaired		0	[1]	25,000	[2]	84,000	[1]
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Average recorded investment in impaired loans(1)	[1],[2]	4,949,000		4,974,000		6,141,000
Interest income recognized on impaired loans, after designation as impaired	[1]	68,000		58,000		251,000
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Average recorded investment in impaired loans(1)	[1],[2]	5,793,000		6,023,000		5,888,000
Interest income recognized on impaired loans, after designation as impaired	[1]	42,000		80,000		308,000
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Average recorded investment in impaired loans(1)	[1],[2]	819,000		674,000		1,090,000
Interest income recognized on impaired loans, after designation as impaired	[1]	0		(1,000)		40,000
Average recorded investment in impaired loans(1)	[1],[2],[3]	14,796,000		15,192,000		17,297,000
Interest income recognized on impaired loans, after designation as impaired	[1]	$ 125,000		$ 174,000		$ 769,000
[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.
[3]	Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status.

Note 4 - Allowance for Loan L35

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Past Due and Nonaccrual Loans (Details) - USD ($)	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015
Real Estate Construction Portfolio Segment[Member] | Construction Residential [Member]
Past due loans	$ 0	$ 0
Loans past due 90 days or more and still accruing	0	0
Nonaccruals (including impaired nonaccruals)	683,000	718,000
Real Estate Construction Portfolio Segment[Member] | Construction Other [Member]
Past due loans		0
Loans past due 90 days or more and still accruing		0
Nonaccruals (including impaired nonaccruals)		0
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Past due loans	9,000	16,000
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past due loans	48,000	0
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member]
Loans past due 90 days or more and still accruing	48,000	0
Nonaccruals (including impaired nonaccruals)	0	0
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Past due loans	1,049,000	1,402,000
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past due loans	239,000	106,000
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Loans past due 90 days or more and still accruing	239,000	106,000
Nonaccruals (including impaired nonaccruals)	0	14,000
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Past due loans	290,000	123,000
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past due loans	38,000	39,000
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member]
Loans past due 90 days or more and still accruing	38,000	39,000
Nonaccruals (including impaired nonaccruals)	0	0
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Past due loans	319,000	248,000
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past due loans	0	0
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Loans past due 90 days or more and still accruing	0	0
Nonaccruals (including impaired nonaccruals)	11,000	0
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Past due loans	676,000	684,000
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past due loans	1,594,000	1,728,000
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member]
Loans past due 90 days or more and still accruing	0	0
Nonaccruals (including impaired nonaccruals)	1,594,000	1,728,000
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
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]
Past due loans	357,000	357,000
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Loans past due 90 days or more and still accruing	0	0
Nonaccruals (including impaired nonaccruals)	485,000	494,000
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
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]
Past due loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans past due 90 days or more and still accruing	0	0
Nonaccruals (including impaired nonaccruals)	2,820,000	2,845,000
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Past due loans	22,000	142,000
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past due loans	812,000	883,000
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Loans past due 90 days or more and still accruing	0	0
Nonaccruals (including impaired nonaccruals)	812,000	883,000
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Past due loans	1,000	5,000
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past due loans	2,000	6,000
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member]
Loans past due 90 days or more and still accruing	2,000	6,000
Nonaccruals (including impaired nonaccruals)	0	0
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Past due loans	195,000	286,000
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past due loans	0	5,000
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due 90 days or more and still accruing	0	5,000
Nonaccruals (including impaired nonaccruals)	0	0
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member] | Financing Receivables 30 to 89 Days Past Due [Member]
Past due loans	21,000	60,000
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past due loans	2,000	0
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due 90 days or more and still accruing	1,000	0
Nonaccruals (including impaired nonaccruals)	0	0
Public Sector and IDA Portfolio Segment[Member]
Past due loans		0
Loans past due 90 days or more and still accruing		0
Nonaccruals (including impaired nonaccruals)		0
Financing Receivables 30 to 89 Days Past Due [Member]
Past due loans	2,582,000	2,992,000
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past due loans	3,092,000	3,124,000
Loans past due 90 days or more and still accruing	328,000	156,000	$ 272,000
Nonaccruals (including impaired nonaccruals)	$ 6,405,000	$ 6,682,000	$ 9,225,000

Note 4 - Allowance for Loan L36

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Loans by Credit Quality Indicator (Details) - USD ($)	Mar. 31, 2016	Dec. 31, 2015
Construction, 1-4 Family Residential [Member] | Pass [Member] | Real Estate Construction Portfolio Segment[Member]
Collectively evaluated for impairment	$ 11,709,000	$ 10,626,000
Construction, 1-4 Family Residential [Member] | Special Mention [Member] | Real Estate Construction Portfolio Segment[Member]
Collectively evaluated for impairment	3,694,000	3,694,000
Construction, 1-4 Family Residential [Member] | Classified Excluding Impaired [Member] | Real Estate Construction Portfolio Segment[Member]
Collectively evaluated for impairment	0	0
Construction Other [Member] | Pass [Member] | Real Estate Construction Portfolio Segment[Member]
Collectively evaluated for impairment	23,108,000	33,213,000
Construction Other [Member] | Special Mention [Member] | Real Estate Construction Portfolio Segment[Member]
Collectively evaluated for impairment	0	0
Construction Other [Member] | Classified Excluding Impaired [Member] | Real Estate Construction Portfolio Segment[Member]
Collectively evaluated for impairment	0	0
Equity Lines [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	16,468,000	16,236,000
Equity Lines [Member] | Special Mention [Member] | Consumer Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	33,000	15,000
Equity Lines [Member] | Classified Excluding Impaired [Member] | Consumer Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	95,000	87,000
Closed End First Liens [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	76,645,000	78,614,000
Closed End First Liens [Member] | Special Mention [Member] | Consumer Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	728,000	708,000
Closed End First Liens [Member] | Classified Excluding Impaired [Member] | Consumer Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	1,729,000	1,370,000
Closed End Junior Liens [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	5,041,000	4,983,000
Closed End Junior Liens [Member] | Special Mention [Member] | Consumer Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	23,000	55,000
Closed End Junior Liens [Member] | Classified Excluding Impaired [Member] | Consumer Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	130,000	61,000
Investor Owned Residential Real Estate [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	41,635,000	39,616,000
Investor Owned Residential Real Estate [Member] | Special Mention [Member] | Consumer Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	30,000	31,000
Investor Owned Residential Real Estate [Member] | Classified Excluding Impaired [Member] | Consumer Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	758,000	766,000
Multifamily Real Estate [Member] | Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	81,296,000	77,060,000
Multifamily Real Estate [Member] | Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	0	0
Multifamily Real Estate [Member] | Classified Excluding Impaired [Member] | Commercial Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	1,791,000	1,804,000
Commercial Real Estate, Owner Occupied [Member] | Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	119,319,000	121,741,000
Commercial Real Estate, Owner Occupied [Member] | Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	1,163,000	1,165,000
Commercial Real Estate, Owner Occupied [Member] | Classified Excluding Impaired [Member] | Commercial Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	1,227,000	1,274,000
Commercial Real Estate Other [Member] | Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	94,247,000	93,701,000
Commercial Real Estate Other [Member] | Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	57,000	58,000
Commercial Real Estate Other [Member] | Classified Excluding Impaired [Member] | Commercial Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	0	0
Commercial and Industrial [Member] | Pass [Member] | Commercial Non Real Estate Segment [Member]
Collectively evaluated for impairment	32,400,000	35,652,000
Commercial and Industrial [Member] | Special Mention [Member] | Commercial Non Real Estate Segment [Member]
Collectively evaluated for impairment	234,000	285,000
Commercial and Industrial [Member] | Classified Excluding Impaired [Member] | Commercial Non Real Estate Segment [Member]
Collectively evaluated for impairment	231,000	543,000
Credit Card Receivable [Member] | Pass [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	5,808,000	5,773,000
Credit Card Receivable [Member] | Special Mention [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	0	0
Credit Card Receivable [Member] | Classified Excluding Impaired [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	0	0
Automobile Loan [Member] | Pass [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	12,509,000	12,414,000
Automobile Loan [Member] | Special Mention [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	75,000	102,000
Automobile Loan [Member] | Classified Excluding Impaired [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	188,000	138,000
Other Consumer Loans [Member] | Pass [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	11,241,000	11,359,000
Other Consumer Loans [Member] | Special Mention [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	82,000	31,000
Other Consumer Loans [Member] | Classified Excluding Impaired [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	30,000	28,000
Pass [Member] | States Political Subdivisions [Member]
Collectively evaluated for impairment	50,777,000	51,335,000
Pass [Member]
Collectively evaluated for impairment	582,203,000	592,323,000
Special Mention [Member] | States Political Subdivisions [Member]
Collectively evaluated for impairment	0	0
Special Mention [Member]
Collectively evaluated for impairment	6,119,000	6,144,000
Classified Excluding Impaired [Member] | States Political Subdivisions [Member]
Collectively evaluated for impairment	0	0
Classified Excluding Impaired [Member]
Collectively evaluated for impairment	6,179,000	6,071,000
Real Estate Construction Portfolio Segment[Member]
Collectively evaluated for impairment	38,511,000	47,533,000
Consumer Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	143,315,000	142,542,000
Commercial Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	299,100,000	296,803,000
Commercial Non Real Estate Segment [Member]
Collectively evaluated for impairment	32,865,000	36,480,000
Consumer Non Real Estate Portfolio Segment [Member]
Collectively evaluated for impairment	29,933,000	29,845,000
Collectively evaluated for impairment	$ 594,501,000	$ 604,538,000

Note 4 - Allowance for Loan L37

Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans -Troubled Debt Restructurings (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015USD ($)
Commercial Real Estate, Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Modifications, Number of Contracts		1
Pre-Modification Outstanding Principal Balance		$ 994
Post-Modification Outstanding Principal Balance		$ 907
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Modifications, Number of Contracts		1
Pre-Modification Outstanding Principal Balance		$ 994
Post-Modification Outstanding Principal Balance		$ 907
Financing Receivable, Modifications, Number of Contracts	0

Note 5 - Securities (Details Te

Note 5 - Securities (Details Textual)	Mar. 31, 2016USD ($)	Dec. 31, 2015USD ($)
Restricted Stock [Member]
Restricted Investments	$ 1,170,000	$ 1,129,000
US Government Agencies Debt Securities [Member]
Number of Temporarily Impaired Securities	109
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 108,583,000
Continuous Unrealized Loss Position Aggregate Losses	710,000
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	25,632,000	84,959,000
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	$ 347,000	3,329,000
US States and Political Subdivisions Debt Securities [Member]
Number of Temporarily Impaired Securities	12
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 7,665,000
Continuous Unrealized Loss Position Aggregate Losses	212,000
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	5,380,000	10,161,000
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	$ 210,000	306,000
Corporate Debt Securities [Member]
Number of Temporarily Impaired Securities	4
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 2,384,000
Continuous Unrealized Loss Position Aggregate Losses	68,000
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	200,000	200,000
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	$ 1,000	1,000
Other Securities [Member]
Number of Temporarily Impaired Securities	1
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 125,000
Continuous Unrealized Loss Position Aggregate Losses	64,000
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	125,000	127,000
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	$ 64,000	62,000
Number of Temporarily Impaired Securities	125
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 118,757,000
Continuous Unrealized Loss Position Aggregate Losses	$ 1,054,000
Number of Temporarily Impaired Securities Greater than Twelve Months	36
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	$ 31,337,000	95,447,000
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	$ 622,000	$ 3,698,000

Note 5 - Securities - Securitie

Note 5 - Securities - Securities Available-for-sale (Details) - USD ($)	Mar. 31, 2016	Dec. 31, 2015
US Government Agencies Debt Securities [Member]
Securities available-for-sale, Amortized Costs	$ 247,751,000	$ 216,897,000
Securities available-for-sale, Gross Unrealized Gains	1,085,000	519,000
Securities available-for-sale, Gross Unrealized Losses	680,000	4,952,000
Securities available for sale	248,156,000	212,464,000
US States and Political Subdivisions Debt Securities [Member]
Securities available-for-sale, Amortized Costs	13,976,000	15,934,000
Securities available-for-sale, Gross Unrealized Gains	477,000	541,000
Securities available-for-sale, Gross Unrealized Losses	0	0
Securities available for sale	14,453,000	16,475,000
Collateralized Mortgage Backed Securities [Member]
Securities available-for-sale, Amortized Costs	1,122,000	1,199,000
Securities available-for-sale, Gross Unrealized Gains	119,000	120,000
Securities available-for-sale, Gross Unrealized Losses	0	0
Securities available for sale	1,241,000	1,319,000
Corporate Debt Securities [Member]
Securities available-for-sale, Amortized Costs	6,015,000	6,015,000
Securities available-for-sale, Gross Unrealized Gains	171,000	22,000
Securities available-for-sale, Gross Unrealized Losses	67,000	291,000
Securities available for sale	6,119,000	5,746,000
Other Securities [Member]
Securities available-for-sale, Amortized Costs	189,000	$ 189,000
Securities available-for-sale, Gross Unrealized Gains	0
Securities available-for-sale, Gross Unrealized Losses	64,000	$ 62,000
Securities available for sale	125,000	127,000
Securities available-for-sale, Amortized Costs	269,053,000	240,234,000
Securities available-for-sale, Gross Unrealized Gains	1,852,000	1,202,000
Securities available-for-sale, Gross Unrealized Losses	811,000	5,305,000
Securities available for sale	$ 270,094,000	$ 236,131,000

Note 5 - Securities - Securit40

Note 5 - Securities - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Due in one year or less	$ 1,479
Due in one year or less	1,503
Due after one year through five years	111,131
Due after one year through five years	111,296
Due after give years through ten years	29,596
Due after give years through ten years	29,843
Due after ten years	126,658
Due after ten years	127,327
No maturity	189
No maturity	125
Total securities available for sale	269,053
Securities available for sale	270,094	$ 236,131
Due in one year or less	1,162
Due in one year or less	1,162
Due after one year through five years	17,347
Due after one year through five years	18,500
Due after give years through ten years	19,806
Due after give years through ten years	20,951
Due after ten years	106,349
Due after ten years	110,640
Total securities held to maturity	144,664	152,028
Total securities held to maturity	$ 151,253	$ 158,032

Note 5 - Securities - Securit41

Note 5 - Securities - Securities Held-to-maturity (Details) - USD ($)	Mar. 31, 2016	Dec. 31, 2015
US Government Agencies Debt Securities [Member]
Securities held-to-maturity, AmortizedCosts	$ 8,909,000	$ 13,909,000
Securities held-to-maturity, Gross Unrealized Gains	374,000	288,000
Securities held-to-maturity, Gross Unrealized Losses	30,000	177,000
Total securities held to maturity	9,253,000	14,020,000
US States and Political Subdivisions Debt Securities [Member]
Securities held-to-maturity, AmortizedCosts	134,023,000	136,373,000
Securities held-to-maturity, Gross Unrealized Gains	6,390,000	6,179,000
Securities held-to-maturity, Gross Unrealized Losses	212,000	330,000
Total securities held to maturity	140,201,000	142,222,000
Collateralized Mortgage Backed Securities [Member]
Securities held-to-maturity, AmortizedCosts	312,000	327,000
Securities held-to-maturity, Gross Unrealized Gains	37,000	36,000
Securities held-to-maturity, Gross Unrealized Losses	0	0
Total securities held to maturity	349,000	363,000
Corporate Debt Securities [Member]
Securities held-to-maturity, AmortizedCosts	1,420,000	1,419,000
Securities held-to-maturity, Gross Unrealized Gains	31,000	10,000
Securities held-to-maturity, Gross Unrealized Losses	1,000	2,000
Total securities held to maturity	1,450,000	1,427,000
Securities held-to-maturity, AmortizedCosts	144,664,000	152,028,000
Securities held-to-maturity, Gross Unrealized Gains	6,832,000	6,513,000
Securities held-to-maturity, Gross Unrealized Losses	243,000	509,000
Total securities held to maturity	$ 151,253,000	$ 158,032,000

Note 5 - Securities - Securit42

Note 5 - Securities - Securities in a Continuous Loss Position (Details) - USD ($)	Mar. 31, 2016	Dec. 31, 2015
US Government Agencies Debt Securities [Member]
Securities in a Continuours Loss Position, Less Than 12 Months, Fair Value	$ 82,951,000	$ 88,255,000
Securities in a Continuours Loss Position, Less Than 12 Months, Unrealized Loss	363,000	1,800,000
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	25,632,000	84,959,000
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	347,000	3,329,000
US States and Political Subdivisions Debt Securities [Member]
Securities in a Continuours Loss Position, Less Than 12 Months, Fair Value	2,285,000	3,449,000
Securities in a Continuours Loss Position, Less Than 12 Months, Unrealized Loss	2,000	24,000
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	5,380,000	10,161,000
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	210,000	306,000
Corporate Debt Securities [Member]
Securities in a Continuours Loss Position, Less Than 12 Months, Fair Value	2,184,000	4,974,000
Securities in a Continuours Loss Position, Less Than 12 Months, Unrealized Loss	67,000	292,000
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	200,000	200,000
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	1,000	$ 1,000
Other Securities [Member]
Securities in a Continuours Loss Position, Less Than 12 Months, Fair Value	0
Securities in a Continuours Loss Position, Less Than 12 Months, Unrealized Loss	0	$ 0
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	125,000	127,000
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	64,000	62,000
Securities in a Continuours Loss Position, Less Than 12 Months, Fair Value	87,420,000	96,678,000
Securities in a Continuours Loss Position, Less Than 12 Months, Unrealized Loss	432,000	2,116,000
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	31,337,000	95,447,000
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	$ 622,000	$ 3,698,000

Note 7 - Defined Benefit Plan43

Note 7 - Defined Benefit Plan (Details Textual)	3 Months Ended
	Mar. 31, 2016USD ($)
Defined Benefit Plan Minimum Future Employer Contributions	$ 0
Defined Benefit Plan, Contributions by Employer	$ 0

Note 7 - Defined Benefit Plan -

Note 7 - Defined Benefit Plan - Defined Benefit Plan Activity (Details) - Pension Plan [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Service cost	$ 174	$ 155
Interest cost	189	167
Expected return on plan assets	(272)	(292)
Amortization of prior service cost	(27)	(27)
Recognized net actuarial loss	143	104
Net periodic benefit cost	$ 207	$ 107

Note 8 - Fair Value Measureme45

Note 8 - Fair Value Measurements (Details Textual) - USD ($)	3 Months Ended	12 Months Ended
	Mar. 31, 2016	Dec. 31, 2015
Loans Held-for-sale [Member] | Changes Measurement [Member] | Fair Value, Measurements, Nonrecurring [Member]
Assets, Fair Value Adjustment	$ 0	$ 0

Note 8 - Fair Value Measureme46

Note 8 - Fair Value Measurements - Assets and Liabilities at Fair Value on Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	$ 248,156	$ 212,464
US Government Agencies Debt Securities [Member]
Securities available for sale	248,156	212,464
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	14,453	16,475
US States and Political Subdivisions Debt Securities [Member]
Securities available for sale	14,453	16,475
Collateralized Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	1,241	1,319
Collateralized Mortgage Backed Securities [Member]
Securities available for sale	1,241	1,319
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	6,119	5,746
Corporate Debt Securities [Member]
Securities available for sale	6,119	5,746
Other Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	125	127
Other Securities [Member]
Securities available for sale	125	127
Fair Value, Inputs, Level 2 [Member]
Securities available for sale	270,094	236,131
Securities available for sale	$ 270,094	$ 236,131

Note 8 - Fair Value Measureme47

Note 8 - Fair Value Measurements - Impaired Loans and Other Real Estate Owned Measured at Fair Value on Nonrecurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015
Fair Value, Inputs, Level 3 [Member]
Impaired loans net of valuation allowance	$ 1,738	$ 2,328
March 31, 2016	3,612	4,165
Impaired loans net of valuation allowance	1,738	2,328
March 31, 2016	$ 3,612	$ 4,165

Note 8 - Fair Value Measureme48

Note 8 - Fair Value Measurements - Level 3 Fair Value Measurements (Details)		3 Months Ended	12 Months Ended
		Mar. 31, 2016	Dec. 31, 2015
Other Real Estate Owned [Member] | Discounted Appraised Value [Member] | Minimum [Member]
Impaired loans		0.00%	0.00%
Other real estate owned	[1]	0.00%	0.00%
Other Real Estate Owned [Member] | Discounted Appraised Value [Member] | Maximum [Member]
Impaired loans		53.46%	50.01%
Other real estate owned		10.00%	10.00%
Other Real Estate Owned [Member] | Discounted Appraised Value [Member] | Weighted Average [Member]
Impaired loans		10.29%	10.16%
Other real estate owned		5.94%	5.89%
Impaired loans [Member] | Present Value of Cash Flows [Member] | Minimum [Member]
Impaired loans		5.50%	6.00%
Impaired loans [Member] | Present Value of Cash Flows [Member] | Maximum [Member]
Impaired loans		8.00%	7.38%
Impaired loans [Member] | Present Value of Cash Flows [Member] | Weighted Average [Member]
Impaired loans		6.46%	6.56%
[1]	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 8 - Fair Value Measureme49

Note 8 - Fair Value Measurements - Estimated Fair Values and Related Carrying Amounts of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2016	Dec. 31, 2015	Mar. 31, 2015	Dec. 31, 2014
Fair Value, Inputs, Level 1 [Member]
Cash and due from banks	$ 9,913	$ 12,152
Interest-bearing deposits	129,363	130,811
Fair Value, Inputs, Level 2 [Member]
Securities	421,347	394,163
Restricted securities	1,170	1,129
Loans held for sale	63
Accrued interest receivable	5,587	5,769
Bank-owned life insurance	22,548	22,401
Deposits	833,216	826,476
Accrued interest payable	62	56
Fair Value, Inputs, Level 3 [Member]
Loans, net	617,299	621,590
Deposits	184,002	193,912
Cash and due from banks	9,913	12,152	$ 12,452	$ 12,894
Interest-bearing deposits	129,363	130,811
Securities	414,758	388,159
Restricted securities	1,170	1,129
Loans held for sale	63	634
Loans held for sale		634
Loans, net	599,536	610,711
Accrued interest receivable	5,587	5,769
Bank-owned life insurance	22,548	22,401
Deposits	1,018,512	1,018,859
Accrued interest payable	$ 62	$ 56

Note 9 - Components of Accumu50

Note 9 - Components of Accumulated Other Comprehensive Loss - Components of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Accumulated Net Investment Gain (Loss) Attributable to Parent [Member]
Balance	$ (2,666)	$ (1,582)
Unrealized holding gains on available for sale securities, net of tax	3,359	2,452
Reclassification adjustment, net of tax	(16)	1
Balance	677	871
Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member]
Balance	(5,270)	(4,090)
Balance	(5,270)	(4,090)
Balance	(7,936)	(5,672)
Unrealized holding gains on available for sale securities, net of tax	3,359	2,452
Reclassification adjustment, net of tax	(16)	1
Balance	$ (4,593)	$ (3,219)

Note 9 - Components of Accumu51

Note 9 - Components of Accumulated Other Comprehensive Loss - Components of Accumulated Other Comprehensive Income (Loss) (Details) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
Unrealized holding gain (loss) on available for sale securities, tax	$ 1,809	$ 1,320
Reclassification adjustment, tax	$ (8)	$ 1

Note 9 - Components of Accumu52

Note 9 - Components of Accumulated Other Comprehensive Loss - Reclassifications Out of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2016	Mar. 31, 2015
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	$ (24)	$ 2
Reclassification adjustment, tax	8	(1)
Realized (gains) losses on available-for-sale securities, net of tax, reclassified out of accumulated other comprehensive income	(16)	1
Reclassification adjustment, tax	(8)	1
Realized (gains) losses on available-for-sale securities, net of tax, reclassified out of accumulated other comprehensive income	$ (16)	$ 1