National Bankshares (NKSH) 10-K 8 Mar 17 2016 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2016	Mar. 08, 2017	Jun. 30, 2016
Document Information [Line Items]
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
Entity Public Float			$ 242,972,452
Document Type	10-K
Document Period End Date	Dec. 31, 2016
Document Fiscal Year Focus	2,016
Document Fiscal Period Focus	FY
Amendment Flag	false

Consolidated Balance Sheets

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Assets
Cash and due from banks	$ 13,974	$ 12,152
Interest-bearing deposits	80,268	130,811
Securities available for sale, at fair value	304,282	236,131
Securities held to maturity (fair value of $137,692 at December 31, 2016 and $158,032 at December 31, 2015)	134,957	152,028
Restricted stock	1,170	1,129
Mortgage loans held for sale	478	634
Loans:
Real estate construction loans	36,345	48,251
Consumer real estate loans	157,718	143,504
Commercial real estate loans	336,457	309,378
Commercial non real estate loans	39,024	37,571
Public sector and IDA loans	45,474	51,335
Consumer non real estate loans	33,528	29,845
Total loans	648,546	619,884
Less unearned income and deferred fees and costs	(794)	(876)
Loans, net of unearned income and deferred fees and costs	647,752	619,008
Less allowance for loan losses	(8,300)	(8,297)
Loans, net	639,452	610,711
Premises and equipment, net	8,853	9,020
Accrued interest receivable	5,260	5,769
Other real estate owned, net	3,156	4,165
Intangible assets and goodwill	5,966	6,224
Bank-owned life insurance (BOLI)	22,998	22,401
Other assets	13,128	12,344
Total assets	1,233,942	1,203,519
Liabilities and Stockholders’ Equity
Noninterest-bearing demand deposits	171,946	166,453
Interest-bearing demand deposits	605,226	569,787
Savings deposits	96,829	90,236
Time deposits	169,441	192,383
Total deposits	1,043,442	1,018,859
Accrued interest payable	55	56
Other liabilities	12,182	12,490
Total liabilities	1,055,679	1,031,405
Commitments and contingencies
Stockholders’ equity:
Preferred stock, no par value, 5,000,000 shares authorized; none issued and outstanding
Common stock of $1.25 par value. Authorized 10,000,000 shares; issued and outstanding, 6,957,974 shares in 2016 and 2015	8,698	8,698
Retained earnings	178,224	171,353
Accumulated other comprehensive loss, net	(8,659)	(7,937)
Total stockholders’ equity	178,263	172,114
Total liabilities and stockholders’ equity	$ 1,233,942	$ 1,203,519

Consolidated Balance Sheets (Pa

Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Securities held to maturity, fair value	$ 137,692	$ 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 - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Interest Income
Interest and fees on loans	$ 29,365	$ 30,446	$ 31,058
Interest on interest-bearing deposits	532	254	262
Interest and dividends on securities – taxable	5,910	6,776	6,798
Interest on securities – nontaxable	5,123	5,438	5,826
Total interest income	40,930	42,914	43,944
Interest Expense
Interest on deposits	4,166	4,183	4,899
Total interest expense	4,166	4,183	4,899
Net interest income	36,764	38,731	39,045
Provision for loan losses	1,650	2,009	1,641
Net interest income after provision for loan losses	35,114	36,722	37,404
Noninterest Income
Service charges on deposit accounts	2,458	2,250	2,434
Other service charges and fees	212	215	187
Credit card fees	3,798	3,861	3,631
Trust income	1,346	1,229	1,213
BOLI income	597	603	616
Other income	1,289	1,295	1,037
Realized securities gains, net	232	33	2
Total noninterest income	9,932	9,486	9,120
Noninterest Expense
Salaries and employee benefits	12,792	12,522	11,606
Occupancy, furniture and fixtures	1,849	1,743	1,703
Data processing and ATM	2,186	1,657	1,650
FDIC assessment	476	546	533
Credit card processing	2,782	2,692	2,593
Intangible assets amortization	257	999	1,075
Net costs of other real estate owned	472	608	369
Franchise taxes	1,296	1,288	1,182
Other operating expenses	4,042	3,580	3,721
Total noninterest expense	26,152	25,635	24,432
Income before income taxes	18,894	20,573	22,092
Income tax expense	3,952	4,740	5,178
Net income	$ 14,942	$ 15,833	$ 16,914
Basic net income per common share (in dollars per share)	$ 2.15	$ 2.28	$ 2.43
Fully diluted net income per common share (in dollars per share)	$ 2.15	$ 2.28	$ 2.43

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Net income	$ 14,942	$ 15,833	$ 16,914
Other Comprehensive Income (Loss), Net of Tax
Unrealized holding gain (loss) on available for sale securities net of tax of ($431) in 2016, ($571) in 2015 and $6,693 in 2014	(800)	(1,064)	12,430
Reclassification adjustment for gain included in net income, net of tax of ($65) in 2016, ($12) in 2015 and ($1) in 2014	(121)	(21)	(1)
Net pension gain (loss) arising during the period, net of tax of $132 in 2016, ($597) in 2015 and ($574) in 2014	271	(1,108)	(1,066)
Less amortization of prior service cost included in net periodic pension cost, net of tax of ($38) in 2016, ($38) in 2015 and ($39) in 2014	(72)	(72)	(71)
Other comprehensive income (loss), net of tax of ($402) in 2016, ($1,218) in 2015 and $6,079 in 2014	(722)	(2,265)	11,292
Total Comprehensive Income	$ 14,220	$ 13,568	$ 28,206

Consolidated Statements of Com6

Consolidated Statements of Comprehensive Income (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Unrealized holding gains (losses) on available for sale securities, taxes	$ (431)	$ (571)	$ 6,693
Reclassification adjustment for (gains) losses included in net income, taxes	(65)	(12)	(1)
Net pension gain (losses) arising during the period, taxes	132	(597)	(574)
Net pension gain (losses) arising during the period, taxes	(38)	(38)	(39)
Other comprehensive income (loss), tax	$ (402)	$ (1,218)	$ 6,079

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balance at Dec. 31, 2013	$ 8,685	$ 154,171	$ (16,964)	$ 145,892
Net income		16,914		16,914
Other comprehensive income (loss), net of tax			11,292	11,292
Cash dividend		(7,853)		(7,853)
Exercise of stock options	3	55		58
Balance at Dec. 31, 2014	8,688	163,287	(5,672)	166,303
Net income		15,833		15,833
Other comprehensive income (loss), net of tax			(2,265)	(2,265)
Cash dividend		(7,930)		(7,930)
Exercise of stock options	10	163		173
Balance at Dec. 31, 2015	8,698	171,353	(7,937)	172,114
Net income		14,942		14,942
Other comprehensive income (loss), net of tax			(722)	(722)
Cash dividend		(8,071)		(8,071)
Balance at Dec. 31, 2016	$ 8,698	$ 178,224	$ (8,659)	$ 178,263

Consolidated Statements of Cha8

Consolidated Statements of Changes in Stockholders' Equity (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
AOCI Attributable to Parent [Member]
Other comprehensive income (loss), tax	$ (402)	$ (1,218)	$ 6,079
Retained Earnings [Member]
Dividends (in dollars per share)	$ 1.16	$ 1.14	$ 1.13
Other comprehensive income (loss), tax	$ (402)	$ (1,218)	$ 6,079

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Cash Flows from Operating Activities
Net income	$ 14,942	$ 15,833	$ 16,914
Adjustment to reconcile net income to net cash provided by operating activities:
Provision for loan losses	1,650	2,009	1,641
Deferred income tax expense	18	10	73
Depreciation of premises and equipment	801	749	732
Amortization of intangibles	257	999	1,075
Amortization of premiums and accretion of discounts, net	89	117	138
Loss on disposal of fixed assets		15	94
Gain on calls of securities available for sale, net	(186)	(33)	(2)
Gain on calls of securities held to maturity, net	(46)
Loss and writedown on other real estate owned	355	426	129
Income on investment in BOLI	(597)	(603)	(616)
Gain on sale of mortgage loans held for sale	(280)	(273)	(159)
Origination of mortgage loans held for sale	(17,090)	(17,641)	(9,104)
Sale of mortgage loans held for sale	17,526	17,571	10,248
Net change in:
Accrued interest receivable	509	(21)	201
Other assets	(373)	420	(574)
Accrued interest payable	(1)	(12)	(24)
Other liabilities	(41)	963	(428)
Net cash provided by operating activities	17,533	20,529	20,338
Cash Flows from Investing Activities
Net change in interest-bearing deposits	50,543	(28,263)	(4,482)
Proceeds from repayments of mortgage-backed securities	415	717	902
Proceeds from calls and maturities of securities available for sale	220,581	64,556	11,088
Proceeds from calls and maturities of securities held to maturity	16,945	9,205	8,677
Purchases of securities available for sale	(290,296)	(80,093)	(33,905)
Purchases of securities held to maturity			(6,381)
Net change in restricted stock	(41)	(40)	325
Purchases of loan participations	(3,800)	(1,001)	(200)
Collections of loan participations	820	1,978	1,539
Loan originations and principal collections, net	(27,792)	(17,259)	(13,880)
Proceeds from disposal of other real estate owned	877	773	744
Recoveries on loans charged off	159	145	255
Additions to premises and equipment	(634)	(663)	(459)
Proceeds from sale of premises and equipment			453
Net cash used in investing activities	(32,223)	(49,945)	(35,324)
Cash Flows from Financing Activities
Net change in time deposits	(22,942)	(24,363)	(24,963)
Net change in other deposits	47,525	60,794	47,355
Cash dividends paid	(8,071)	(7,930)	(7,853)
Stock options exercised		173	58
Net cash provided by financing activities	16,512	28,674	14,597
Net change in cash and due from banks	1,822	(742)	(389)
Cash and due from banks at beginning of year	12,152	12,894	13,283
Cash and due from banks at end of year	13,974	12,152	12,894
Supplemental Disclosures of Cash Flow Information
Interest paid on deposits and borrowed funds	4,167	4,195	4,923
Income taxes paid	3,940	4,790	5,282
Supplemental Disclosures of Noncash Activities
Loans charged against the allowance for loan losses	1,806	2,120	1,860
Loans transferred to other real estate owned	222	620	905
Unrealized gain (loss) on securities available for sale	(1,417)	(1,668)	19,121
Minimum pension liability adjustment	$ 293	$ (1,815)	$ 1,750

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2016
Notes to Financial Statements
Significant Accounting Policies [Text Block]	Note 1: The consolidated financial statements include the accounts of National Bankshares, Inc. (Bankshares) and its wholly-owned subsidiaries, the National Bank of Blacksburg (NBB), and National Bankshares Financial Services, Inc. (NBFS), (the Company). All intercompany balances and transactions have been eliminated in consolidation. The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America and to general practices within the banking industry. The following is a summary of the more significant accounting policies. Subsequent events have been considered through the date when the Form 10 Cash and Cash Equivalents For purposes of the consolidated statements of cash flows, cash and cash equivalents include cash and amounts due from banks. Interest-Bearing Deposits The Company invests over-night funds in interest-bearing deposits at other banks, including the Federal Home Loan Bank, the Federal Reserve, and other entities. Interest-bearing deposits are carried at cost. Securities Certain debt securities that management has the positive intent and ability to hold to maturity are classified as “held to maturity” and recorded at amortized cost. Trading securities are recorded at fair value with changes in fair value included in earnings. Securities not classified as held to maturity or trading, including equity securities with readily determinable fair values, are classified as “available for sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. The Company uses the interest method to recognize purchase premiums and discounts in interest income over the term of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. The Company follows the accounting guidance related to recognition and presentation of other-than-temporary impairment. The guidance specifies that if (a) an entity does not have the intent to sell a debt security prior to recovery and (b) it is more likely than not that the entity will not have to sell the debt security prior to recovery, the security would not be considered other-than-temporarily impaired, unless there is a credit loss. When criteria (a) and (b) are met, the entity will recognize the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. For held-to-maturity debt securities, the amount of an other-than-temporary impairment recorded in other comprehensive income for the noncredit portion of a previous other-than-temporary impairment is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security. For equity securities, when the Company decides to sell an impaired available-for-sale security and the Company does not expect the fair value of the security to fully recover before the expected time of sale, the security is deemed other-than-temporarily impaired in the period in which the decision to sell is made. The Company recognizes an impairment loss when the impairment is deemed other than temporary even if a decision to sell has not been made. Loans Held for Sale Loans originated and intended for sale in the secondary Loans The Company, through its banking subsidiary, provides mortgage, commercial, and consumer loans to customers. A substantial portion of the loan portfolio is represented by mortgage loans, particularly commercial mortgages. The ability of the Company’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in the Company’s market area. The Company’s loans are grouped into six Real estate construction loans are subject to general risks from changing commercial building and housing market trends and economic conditions that may may The credit quality of consumer real estate is subject to risks associated with the borrower’s repayment ability and collateral value, measured generally by analyzing local unemployment and bankruptcy trends, and local housing market trends and interest rates. Risks specific to a borrower are determined by previous repayment history, loan-to-value ratios and debt-to-income ratios. The commercial real estate segment includes loans secured by multifamily residential real estate, commercial real estate occupied by the owner/borrower, and commercial real estate leased to non-owners. Loans in the commercial real estate segment are impacted by economic risks from changing commercial real estate markets, rental markets for multi-family housing and commercial buildings, business bankruptcy rates, local unemployment rates and interest rate trends that would impact the businesses housed by the commercial real estate. Commercial non real estate loans are secured by collateral other than real estate, or are unsecured. Credit risk for commercial non real estate loans is subject to economic conditions, generally monitored by local business bankruptcy trends, interest rates, and borrower repayment ability and collateral value (if secured). Public sector and IDA loans are extended to municipalities and related entities. Credit risk is based upon the entity’s ability to repay through either a direct obligation or assignment of specific revenues from an enterprise or other economic activity, and interest rate trends. Consumer non real estate includes credit cards, automobile and other consumer loans. Credit cards and certain other consumer loans are unsecured, while collateral is obtained for automobile loans and other consumer loans. Credit risk stems primarily from the borrower’s ability to repay. If the loan is secured, the company analyzes loan-to-value ratios. All consumer non real estate loans are analyzed for debt-to-income ratios and previous credit history, as well as for general risks for the portfolio, including local unemployment rates, personal bankruptcy rates and interest rates. Risks from delinquency trends and characteristics such as second Loans that management has the intent and ability to hold for the foreseeable future, or until maturity or payoff, generally are reported at their outstanding unpaid principal balances adjusted for the allowance for loan losses, any purchase premium or discount, unearned income and deferred fees or costs. Interest income is accrued on the unpaid principal balance. Unearned income on dealer-originated loans and loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method. Purchase premium or discount is recognized as an adjustment of the related loan yield using the interest method. The Company considers multiple factors when determining whether to discontinue accrual of interest on individual loans. Generally loans are placed in nonaccrual status when collection of interest and/or full principal is considered doubtful. Interest accrual is discontinued at the time a commercial real estate loan or commercial non-real estate loan is 90 90 six may All interest accrued but not collected for loans of all classes that are placed on nonaccrual or for loans charged off is reversed against interest income. Any interest payments received on nonaccrual loans of all classes are credited to the principal balance of the loan. Loans of all classes that have been designated nonaccrual are returned to accrual status when all the principal and interest amounts contractually due are current; future payments are reasonably assured; and for loans that financed the sale of OREO property, loan-to-value thresholds are met. The Company reviews nonaccrual loans on an individual loan basis to determine whether future payments are reasonably assured. In order for this criteria to be satisfied, the Company’s evaluation must determine that the underlying cause of the original delinquency or weakness that indicated nonaccrual status has been resolved, such as receipt of new guarantees, increased cash flows that cover the debt service or other resolution. A loan is considered past due when a payment of principal and/or interest is due but not paid. Credit card payments not received within 30 30 30 89 90 Allowance for Loan Losses The allowance for loan losses represents management’s estimate of probable losses inherent in the Company’s loan portfolio. A provision for estimated losses is charged to earnings to establish and maintain the allowance for loan losses at a level reflective of the estimated credit risk. When management determines that a loan balance or portion of a loan balance is not collectible, the loss is charged against the allowance. Subsequent recoveries, if any, are credited to the allowance. Management evaluates the allowance each quarter through a methodology that estimates losses on individual impaired loans and evaluates the effect of numerous factors on the credit risk of groups of homogeneous loans. Specific allowances are established for individually-evaluated impaired loans based on the excess of the loan balance relative to the fair value of the loan. Impaired loans are designated as such when current information indicates that it is probable that the Company will be unable to collect principal or interest when due according to the contractual terms of the loan agreement. Loan relationships exceeding $250,000 Fair value of impaired loans is estimated in one three (1) (2) (3) General allowances are established for collectively-evaluated loans. Collectively-evaluated loans are grouped into classes based on similar characteristics. Factors considered in determining general allowances include net charge-off trends, internal risk ratings, delinquency and nonperforming rates, product mix, underwriting practices, industry trends and economic trends. The Company’s charge-off policy meets or is more stringent than the minimum standards required by regulators. When available information confirms that a specific loan or a portion thereof, within any loan class, is uncollectible the amount is charged off against the allowance for loan losses. Additionally, losses on consumer real estate and consumer non-real estate loans are typically charged off no later than when the loans are 120 180 180 may may Troubled Debt Restructurings (“TDRs”) In situations where, for economic or legal reasons related to a borrower’s financial condition, management grants a concession to the borrower that it would not otherwise consider, the related loan is classified as a troubled debt restructuring (TDR). These modified terms may Rate Lock Commitments The Company enters into commitments to originate mortgage loans in which the interest rate on the loan is determined prior to funding (rate lock commitments). Rate lock commitments on mortgage loans that are intended to be sold are considered to be derivatives. The period of time between issuance of a loan commitment and closing and sale of the loan generally ranges from 30 60 The market value of rate lock commitments and best efforts contracts is not readily ascertainable with precision because rate lock commitments and best effort contracts are not actively traded in stand-alone markets. The Company determines the fair value of rate lock commitments and best efforts contracts by measuring the changes in the value of the underlying assets while taking into consideration the probability that the rate lock commitments will close. Because of the high correlation between rate lock commitments and best efforts contracts, no gain or loss occurs on the rate lock commitments. Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost, net of accumulated depreciation. Depreciation is charged to expense over the estimated useful lives of the assets on the straight-line basis. Depreciable lives include 40 3 10 3 Other Real Estate Owned Real estate acquired through or in lieu of foreclosure is held for sale and is initially recorded at fair value less estimated costs to sell at the date of foreclosure, establishing the cost basis of the asset. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated costs to sell. Revenue and expenses from operations and changes in the valuation allowance are included in other operating expenses. Intangible Assets and Goodwill The Company records as goodwill the excess of purchase price over the fair value of the identifiable net assets acquired. Goodwill is subject to at least an annual assessment for impairment by applying a fair value based test. The Company performs its annual analysis as of September 30 two first second The Company’s goodwill impairment analysis considered three first second third 100% second third Each measure indicated that the Company’s fair value exceeded its book value. No December 31, 2016, 2015 2014. Acquired intangible assets (such as core deposit intangibles) are recognized separately from goodwill if the benefit of the asset can be sold, transferred, licensed, rented, or exchanged, and amortized over its useful life. The Company amortizes on a straight-line basis intangible assets arising from branch purchase transactions over their useful lives, determined by the Company to be ten twelve Stock-Based Compensation The Company’s 1999 March 9, 2009. Pension Plan The Company recognizes the overfunded or underfunded status of a defined benefit postretirement plan as an asset or liability in its statement of financial position and recognizes changes in that funded status in the year in which the changes occur through comprehensive income. The funded status of a benefit plan is measured as the difference between plan assets at fair value and the projected benefit obligation. Income Taxes Income tax accounting guidance results in two Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 50 The Company recognizes interest and penalties on income taxes as a component of income tax expense. Trust Assets and Income Assets (other than cash deposits) held by the Trust Department in a fiduciary or agency capacity for customers are not included in the consolidated financial statements since such items are not assets of the Company. Trust income is recognized on the accrual basis. Earnings Per Common Share Basic earnings per common share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per common share reflects additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may The following shows the weighted average number of shares used in computing earnings per common share and the effect on the weighted average number of shares of potentially dilutive common stock. 20 16 20 15 20 14 Average number of common shares outstanding 6,957,974 6,953,849 6,948,789 Effect of dilutive options --- 3,245 10,345 Average number of common shares outstanding used to calculate diluted earnings per common share 6,957,974 6,957,094 6,959,134 The computation of diluted net income per common share excludes shares for stock options that would be anti-dilutive. There were no 2016, 2015 2014. December 31, 2016, Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business are recorded as liabilities when the likelihood of loss is probable and reasonably estimated. Management does not believe there are such matters that will have a material effect on the financial statements. Advertising The Company charges advertising costs to expenses as incurred. In 2016, $122, $105 $174 2015 2014, Use of Estimates In preparing consolidated financial statements in conformity with accounting principles generally accepted in the United States of America, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheet and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of foreclosed real estate, other-than-temporary impairments of securities, evaluation of impairment of goodwill and other intangibles, and pension obligations. Changing economic conditions, adverse economic prospects for borrowers, as well as regulatory agency action as a result of examination, could cause NBB to recognize additions to the allowance for loan losses and may Certain reclassifications have been made to prior period balances to conform to the current year provisions. Prior to 2016, 2016, Recent Accounting Pronouncements In August 2014, 2014 15, 205 40): one December 15, 2016. 2014 15 In January 2016, 2016 01, 825 10): 2016 01, 1) 2) 3) 4) December 15, 2017, 2016 01 In February 2016, 2016 02, 842).” 2016 02, (1) (2) 606, December 15, 2018, may 2016 02 During March 2016, 2016 05, 815): December 15, 2016, 2016 05 In March 2016, 2016 07, 323): December 15, 2016. 2016 07 During March 2016, 2016 09, 718): December 15, 2016, 2016 09 During June 2016, 2016 13, 326): December 15, 2019. December 15, 2020. 2016 13 During August 2016, 2016 15, 230): December 15, 2017, 2016 15 During January 2017, 2017 01, 805): 805, three (1) (2) December 15, 2017, 2017 01 During January 2017, 2017 04, 350): 2 2 December 15, 2019. December 15, 2020. January 1, 2017. 2017 04

Note 2 - Restriction on Cash

Note 2 - Restriction on Cash	12 Months Ended
	Dec. 31, 2016
Notes to Financial Statements
Cash and Cash Equivalents Disclosure [Text Block]	Note 2 : Restriction on Cash The Company’s subsidiary bank is a member of the Federal Reserve System. The Federal Reserve does not require member banks to hold an average balance in order to purchase services from the Federal Reserve.

Note 3 - Securities

Note 3 - Securities	12 Months Ended
	Dec. 31, 2016
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 3 : Securities The amortized cost and fair value of securities available for sale, with gross unrealized gains and losses, follows: December 31, 2016 Available for sale: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 291,271 $ 492 $ 6,165 $ 285,598 States and political subdivisions 11,482 211 --- 11,693 Mortgage-backed securities 845 85 --- 930 Corporate debt securities 6,015 20 137 5,898 Other securities 189 --- 26 163 Total securities available for sale $ 309,802 $ 808 $ 6,328 $ 304,282 December 31, 2015 Available for sale: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses F air Value U.S. Government agencies and corporations $ 216,897 $ 519 $ 4,952 $ 212,464 States and political subdivisions 15,934 541 --- 16,475 Mortgage-backed securities 1,199 120 --- 1,319 Corporate debt securities 6,015 22 291 5,746 Other securities 189 --- 62 127 Total securities available for sale $ 240,234 $ 1,202 $ 5,305 $ 236,131 The amortized cost and fair value of single maturity securities available for sale at December 31, 2016, may may December 31, 2016. December 31, 20 1 6 Available for sale: Amortized Cost Fair Value Due in one year or less $ 3,414 $ 3,423 Due after one year through five years 199,430 196,433 Due after five years through ten years 80,548 78,001 Due after ten years 26,221 26,262 No maturity 189 163 $ 309,802 $ 304,282 The amortized cost and fair value of securities held to maturity, with gross unrealized gains and losses, follows: December 31, 20 1 6 Held to maturity: Amortized Cost Gross U nrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 3,934 $ 201 $ --- $ 4,135 States and political subdivisions 129,783 3,579 1,082 132,280 Mortgage-backed securities 265 30 --- 295 Corporate debt securities 975 7 --- 982 Total securities held to maturity $ 134,957 $ 3,817 $ 1,082 $ 137,692 December 31, 20 1 5 Held to maturity: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 13,909 $ 288 $ 177 $ 14,020 States and political subdivisions 136,373 6,179 330 142,222 Mortgage-backed securities 327 36 --- 363 Corporate debt securities 1,419 10 2 1,427 Total securities held to maturity $ 152,028 $ 6,513 $ 509 $ 158,032 The amortized cost and fair value of single maturity securities held to maturity at December 31, 2016, may may December 31, 2016. December 31, 20 1 6 Held to maturity: Amortized Cost Fair Value Due in one year or less $ 3,902 $ 3,988 Due after one year through five years 28,249 29,761 Due after five years through ten years 16,615 17,155 Due after ten years 86,191 86,788 $ 134,957 $ 137,692 Information pertaining to securities with gross unrealized losses at December 31, 2016 2015 December 31, 2016 Less Than 12 Months 12 Months or More Fair Value Unrealized Loss Fair Value Unrealized Loss U. S. Government agencies and corporations $ 260,150 $ 6,161 $ 996 $ 4 State and political subdivisions 31,257 934 1,316 148 Corporate debt securities 3,888 137 --- --- Other securities --- --- 163 26 Total temporarily impaired securities $ 295,295 $ 7,232 $ 2,475 $ 178 December 31, 2015 Less Than 12 Months 12 Months or More Fair Value Unrealized Loss Fair Value Unrealized Loss U. S. Government agencies and corporations $ 88,255 $ 1,800 $ 84,959 $ 3,329 State and political subdivisions 3,449 24 10,161 306 Corporate debt securities 4,974 292 200 1 Other securities --- --- 127 62 Total temporarily impaired securities $ 96,678 $ 2,116 $ 95,447 $ 3,698 The Company had 325 $297,770 December 31, 2016. $7,410. 4 securities with a fair value of $2,475 $178 twelve December 31, 2016 U.S. Government agencies. $4 1 $996. may States and political subdivisions. $148 2 $1,316. 12 may Other securities. $163 $26. Restricted stock $1,170 December 31, 2016 $1,129 December 31, 2015. Redemption of FHLB stock is subject to certain limitations and conditions. At its discretion, the FHLB may $493,620 December 31, 2016. December 31, 2016, 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. Pledged Securities. At December 31, 2016 2015, $178,121 $156,721, Realized securities gains and losses. 2016, 2015 2014. For the year ended December 31, 2016 Proceeds Book Value Gross Gain Gross Loss Net Gain (Loss) Available for sale $ 220,520 $ 220,334 $ 186 $ --- $ 186 Held to maturity 16,160 16,114 46 --- 46 For the year ended December 31, 2015 Proceeds Book Value Gross Gain Gross Loss Net Gain (Loss) Available for sale $ 63,775 $ 63,742 $ 34 $ 1 $ 33 Held to maturity 7,605 7,605 --- --- --- For the year ended December 31, 2014 Proceeds Book Value Gross Gain Gross Loss Net Gain (Loss) Available for sale $ 6,919 $ 6,917 $ 4 $ 2 $ 2 Held to maturity 7,162 7,162 1 1 ---

Note 4 - Related Party Transact

Note 4 - Related Party Transactions	12 Months Ended
	Dec. 31, 2016
Notes to Financial Statements
Related Party Transactions Disclosure [Text Block]	Note 4 : Related Party Transactions In the ordinary course of business, the Company, through its banking subsidiary, has granted loans to related parties, including executive officers and directors of Bankshares and its subsidiaries. Total funded advances extended to related parties amounted to $8,754 December 31, 2016 $8,819 December 31, 2015. December 31, 2016, $4,966 $5,031. The Company held $14,604 December 31, 2016 $11,275 December 31, 2015.

Note 5 - Allowance for Loan Los

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans	12 Months Ended
	Dec. 31, 2016
Notes to Financial Statements
Allowance for Credit Losses [Text Block]	Note 5 : Allowance for Loan Losses, Nonperforming Assets and Impaired Loans The allowance for loan losses methodology incorporates individual evaluation of impaired loans and collective evaluation of groups of non-impaired loans. The Company performs ongoing analysis of the loan portfolio to determine credit quality and to identify impaired loans. Credit quality is rated based on the loan’s payment history, the borrower’s current financial situation and value of the underlying collateral. Impaired loans are those loans that have been modified in a troubled debt restructure (“TDR” or “restructure”) and larger, non-homogeneous loans that are in nonaccrual or exhibit payment history or financial status that indicate the probability that collection will not occur when due according to the loan’s terms. Generally, impaired loans are given risk ratings that indicate higher risk, such as “classified” or “other assets especially mentioned.” Impaired loans are individually evaluated to determine appropriate reserves and are measured at the lower of the invested amount or the fair value. Impaired loans that are not troubled debt restructures and for which fair value measurement indicates an impairment loss are designated nonaccrual. A restructured loan that maintains current status for at least six may Troubled debt restructurings impact the estimation of the appropriate level of the allowance for loan losses. If the restructuring included forgiveness of a portion of principal or accrued interest, the charge-off is included in the historical charge-off rates applied to the collective evaluation methodology. Further, restructured loans are individually evaluated for impairment, with amounts below fair value accrued in the allowance for loan losses. TDRs that experience a payment default are examined to determine whether the default indicates collateral dependency or cash flows below those that were included in the fair value measurement. TDRs, as well as all impaired loans, that are determined to be collateral dependent are charged down to fair value. Deficiencies indicated by impairment measurements for TDRs that are not collateral dependent may The Company evaluated characteristics in the loan portfolio and determined major segments and smaller classes within each segment. These characteristics include collateral type, repayment sources, and (if applicable) the borrower’s business model. The methodology for calculating reserves for collectively-evaluated loans is applied at the class level. Portfolio Segments and Classes The segments and classes used in determining the allowance for loan losses, beginning in 2013 Real Estate Construction Construction, residential Construction, other Consumer Real Estate Equity lines Residential closed-end first Residential closed-end junior liens Investor-owned residential real estate Commercial Real Estate Multifamily real estate Commercial real estate, owner-occupied Commercial real estate, other Commercial Non Real Estate Commercial and Industrial Public Sector and IDA Public sector and IDA Consumer Non Real Estate Credit cards Automobile Other consumer loans 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 Two loss rates for each class are calculated: total net charge-offs for the class as a percentage of average class loan balance (“class loss rate”), and total net charge-offs for the class as a percentage of average classified loans in the class (“classified loss rate”). Classified loans are those with risk ratings of “substandard” or lower. Net charge-offs in both calculations include charge-offs and recoveries of classified and non-classified loans as well as those associated with impaired loans. Class historical loss rates are applied to non-classified loan balances at the reporting date, and classified historical loss rates are applied to classified balances at the reporting date. Risk Factors In addition to historical loss rates, risk factors pertinent to credit risk for each class are analyzed to estimate reserves for collectively-evaluated loans. Factors include changes in national and local economic and business conditions, the nature and volume of classes within the portfolio, loan quality, loan officers’ experience, lending policies and the Company’s loan review system. The analysis of certain factors results in standard allocations to all segments and classes. These factors include loan officers’ average years of experience, the risk from changes in loan review, unemployment levels, bankruptcy rates, interest rate environment, and competition/legal/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, levels of nonaccrual loans, current class balance as a percentage of total loans, and the percentage of high risk loans within the class. Additionally, factors specific to each segment are analyzed and result in allocations to the segment. Please refer to Note 1: Real estate construction loans are subject to general risks from changing commercial building and housing market trends and economic conditions that may 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: Activity in th e Allowance for Loan Losses by S egment for the year ended December 31 , 201 6 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 ) (133 ) (488 ) (883 ) --- (273 ) --- (1,806 ) Recoveries --- 2 83 10 --- 64 --- 159 Provision for loan losses (109 ) 95 34 1,281 (106 ) 226 229 1,650 Balance, December 31, 201 6 $ 438 $ 1,830 $ 3,738 $ 1,063 $ 330 $ 644 $ 257 $ 8,300 Activity in th e Allowance for Loan Losses by S egment for the year ended December 31 , 201 5 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Balance , December 31, 2014 $ 612 $ 1,662 $ 3,537 $ 1,475 $ 327 $ 602 $ 48 $ 8,263 Charge-offs --- (205 ) (1,114 ) (490 ) --- (311 ) --- (2,120 ) Recoveries --- 2 49 1 --- 93 --- 145 Provision for loan losses (36 ) 407 1,637 (331 ) 109 243 (20 ) 2,009 Balance, December 31, 201 5 $ 576 $ 1,866 $ 4,109 $ 655 $ 436 $ 627 $ 28 $ 8,297 Activity in th e Allowance for Loan Losses by S egment for the year ended December 31 , 201 4 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Balance , December 31, 2013 $ 863 $ 1,697 $ 3,685 $ 989 $ 132 $ 576 $ 285 $ 8,227 Charge-offs (2 ) (222 ) (1,201 ) (89 ) --- (346 ) --- (1,860 ) Recoveries --- --- 50 132 --- 73 --- 255 Provision for loan losses (249 ) 187 1,003 443 195 299 (237 ) 1,641 Balance, December 31, 201 4 $ 612 $ 1,662 $ 3,537 $ 1,475 $ 327 $ 602 $ 48 $ 8,263 Allowance for Loan Losses by Segment and Evaluation Method as of December 31, 201 6 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 $ --- $ 25 $ 1 $ --- $ --- $ --- $ --- $ 26 Collectively evaluated for impairment 438 1,805 3,737 1,063 330 644 257 8,274 Total $ 438 $ 1,830 $ 3,738 $ 1,063 $ 330 $ 644 $ 257 $ 8,300 Loans by Segment and Evaluation Method as of December 31, 201 6 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 $ 270 $ 877 $ 7,782 $ 241 $ --- $ 3 $ --- $ 9,173 Collectively evaluated for impairment 36,075 156,841 328,675 38,783 45,474 33,525 --- 639,373 Total $ 36,345 $ 157,718 $ 336,457 $ 39,024 $ 45,474 $ 33,528 $ --- $ 648,546 Allowance for Loan Losses by Segment and Evaluation Method as of 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 Individually evaluated for impairment $ --- $ 22 $ 23 $ --- $ --- $ --- $ --- $ 45 Collectively evaluated for impairment 576 1,844 4,086 655 436 627 28 8,252 Total $ 576 $ 1,866 $ 4,109 $ 655 $ 436 $ 627 $ 28 $ 8,297 Loans by Segment and Evaluation Method as of December 31, 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 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: December 31, 201 6 20 15 Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs 1.28 % 1.34 % Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs 0.26 % 0.32 % A summary of nonperforming assets follows: December 31, 201 6 20 15 Nonperforming assets: Nonaccrual loans $ 1,168 $ 2,043 Restructured loans in nonaccrual 4,687 4,639 Total nonperforming loans 5,855 6,682 Other real estate owned, net 3,156 4,165 Total nonperforming assets $ 9,011 $ 10,847 Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned 1.38 % 1.74 % Ratio of allowance for loan losses to nonperforming loans ( 1 ) 141.76 % 124.17 % (1) The Company defines nonperforming loans as total nonaccrual and restructured loans that are nonaccrual. Loans 90 A summary of loans past due 90 December 31, 201 6 20 15 Loans past due 90 days or more and still accruing $ 63 $ 156 Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs 0.01 % 0.03 % Accruing restructured loans $ 3,769 $ 8,814 Impaired loans : Impaired loans with no valuation allowance $ 8,269 $ 12,973 Impaired loans with a valuation allowance 904 2,373 Total impaired loans $ 9,173 $ 15,346 Valuation allowance $ (26 ) $ (45 ) Impaired loans, net of allowance $ 9,147 $ 15,301 Average recorded investment in impaired loans (1) $ 11,585 $ 17,297 Income recognized on impaired loans , after designation as impaired $ 553 $ 769 Amount of income recognized on a cash basis $ --- $ --- (1) Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. No December 31, 2016, 2015 2014. A detailed analysis of investment in impaired loans, associated reserves and interest income recognized, by loan class follows: Impaired Loans as of December 31, 201 6 Principal Balance (A) Total Recorded Investment (1) Recorded Investment (1) for Which There is No Related Allowance Recorded I nvestment (1) Related Allowance Real Estate Construction (2) Construction 1-4 family residential $ 280 $ 270 $ 270 $ --- $ --- Co nsumer Real Estate (2) Residential closed-end first liens 648 609 267 342 14 Residential closed-end junior liens 195 195 --- 195 7 Investor-owned residential real estate 73 73 --- 73 4 Commercial Real Estate (2) Multifamily real estate 1,364 1,091 1,091 --- --- Commercial real estate, owner occupied 4,005 3,957 3,663 294 1 Commercial real estate, other 2,997 2,734 2,734 --- --- Commercial Non Real Estate (2) Commercial and Industrial 255 241 241 --- --- Consumer Non Real Estate (2) Automobile 3 3 3 --- --- Total $ 9,820 $ 9,173 $ 8,269 $ 904 $ 26 Impaired Loans as of December 31, 2015 Principal Balance (A) Total Recorded Investment (1) Recorded Investment (1) for Which There is No Related Allowance Recorded Investment (1) (A) for Which There is a Related Allowance Related Allowance Real Estate Construction (2) Construction 1-4 family residential $ 718 $ 718 $ 718 $ --- $ --- Co nsumer Real Estate (2) Residential closed-end first liens 713 669 305 364 13 Residential closed-end junior liens 218 218 --- 218 5 Investor-owned residential real estate 75 75 --- 75 4 Commercial Real Estate (2) Multifamily real estate 1,988 1,728 1,728 --- --- Commercial real estate, owner occupied 5,068 5,020 3,304 1,716 23 Commercial real estate, other 5,990 5,827 5,827 --- --- Commercial Non Real Estate (2) Commercial and Industrial 1,099 1,091 1,091 --- --- Total $ 15,869 $ 15,346 $ 12,973 $ 2,373 $ 45 (1) Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. (2) Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 201 6 Average Recorded Investment (1) Interest Income Recognized Real Estate Construction (2) Construction 1-4 family residential $ 462 $ 10 Consumer Real Estate (2) Residential closed-end first liens 642 38 Residential closed-end junior liens 207 13 Investor-owned residential real estate 74 4 Commercial Real Estate (2) Multifamily real estate 1,366 12 Commercial real estate, owner occupied 4,342 206 Commercial real estate, other 3,947 263 Commercial Non Real Estate (2) Commercial and Industrial 541 7 Consumer Non Real Estate (2) Automobile 4 --- Total $ 11,585 $ 553 (1) (2) Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2015 Average Recorded Investment (1) Interest Income Recognized Real Estate Construction (2) Construction 1-4 family residential $ 612 $ 23 Consumer Real Estate (2) Residential closed-end first liens 681 43 Residential closed-end junior liens 228 15 Investor-owned residential real estate 76 5 Commercial Real Estate (2) Multifamily real estate 2,581 84 Commercial real estate, owner occupied 6,141 251 Commercial real estate, other 5,888 308 Commercial Non Real Estate (2) Commercial and Industrial 1,090 40 Total $ 17,297 $ 769 (1) Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. (2) Only classes with impaired loans are shown. Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2014 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate (2) Residential closed-end first liens $ 555 $ 31 Residential closed-end junior liens 249 16 Investor-owned residential real estate 77 5 Commercial Real Estate (2) Multifamily real estate 2,773 --- Commercial real estate, owner occupied 5,836 203 Commercial real estate, other 6,114 175 Commercial Non Real Estate (2) Commercial and Industrial 707 43 Total $ 16,311 $ 473 ( 1) Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. (2) Only classes with impaired loans are shown. An analysis of past due and nonaccrual loans follows: December 31, 201 6 3 0 – 89 Days Past Due 90 or M ore Days Past Due 90 or More Days Past Due and Still Accruing Nonaccruals (I ncluding Impaired Nonaccruals) Real Estate Construction Construction, residential $ --- $ --- $ --- $ 270 Construction, other 25 --- --- --- Consumer Real Estate Equity lines 10 --- --- --- Residential closed-end first liens 1,498 6 6 --- Residential closed-end junior liens 114 36 36 --- Investor-owned residential real estate 56 234 --- 253 Commercial Real Estate Multifamily real estate 132 1,091 --- 1,091 Commercial real estate, owner occupied 339 202 --- 1,183 Commercial real estate, other --- 80 --- 2,814 Commercial Non Real Estate Commercial and Industrial 6 218 --- 241 Public Sector and IDA Public sector and IDA --- --- --- --- Consumer Non Real Estate Credit cards 8 5 5 --- Automobile 234 12 12 3 Other consumer loans 131 4 4 --- Total $ 2,553 $ 1,888 $ 63 $ 5,855 December 31, 201 5 3 0 – 89 Days Past Due 90 or M ore Days Past Due 90 or More Days Past Due and Still Accruing Nonaccruals (I ncluding 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 75 50% 100% Determination of risk grades was completed for the portfolio as of December 31, 2016 2015. The following displays non-impaired gross loans by credit quality indicator: December 31, 201 6 Pass Special Mention (Excluding Impaired) Classified (Excluding Impaired) Real Estate Construction Construction, 1-4 family residential $ 11,635 $ 3,468 $ --- Construction, other 20,972 --- --- Consumer Real Estate Equity lines 17,034 82 --- Closed-end first liens 83,658 1,267 580 Closed-end junior liens 4,861 15 151 Investor-owned residential real estate 48,277 333 583 Commercial Real Estate Multifamily residential real estate 99,002 1,733 --- Commercial real estate owner-occupied 120,170 1,188 1,425 Commercial real estate, other 103,534 1,543 80 Commercial Non Real Estate Commercial and Industrial 35,521 3,229 33 Public Sector and IDA States and political subdivisions 45,474 --- --- Consumer Non Real Estate Credit cards 5,978 --- --- Automobile 14,457 25 192 Other consumer 12,229 636 8 Total $ 622,802 $ 13,519 $ 3,052 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 major reclassifications from portfolio loans to held for sale. Occasionally, the Company purchases or sells participations in loans. All participation loans purchased met the Company’s normal underwriting standards at the time the participation was entered. Participation loans are included in the appropriate portfolio balances to which the allowance methodology is applied. Troubled Debt Restructurings From time to time the Company modifies loans in troubled debt restructurings (“TDRs”). The following tables present restructurings by class that occurred during the years ended December 31, 2016, 2015 2014. Note: Only classes with restructured loans are presented. Restructurings that occurred during the year ended December 31, 201 6 Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment (1) Commercial Real Estate Commercial real estate, other 2 $ 3,008 $ 3,008 Commercial Non Real Estate Commercial and industrial 1 29 30 Co nsumer N on R eal E state Automobile 1 5 5 Total 4 $ 3,042 $ 3,043 (1) Post-modification outstanding recorded investment considers amounts immediate ly following the modification. Amounts do not reflect balances at the end of the period. During the twelve December 31, 2016, four 2014 2016 2014 2016 December 31, 2016 one one four four Restructurings that occurred during the year ended December 31, 201 5 Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment (1) Real Estate Construction Construction, 1-4 family residential 2 $ 718 $ 718 Commercial Real Estate Commercial real estate owner-occupied 3 2,710 2,623 Commercial N on R eal E state Commercial and industrial 1 200 200 Total 6 $ 3,628 $ 3,541 (1) Post-modification outstanding recorded investment considers amounts immediate ly following the modification. Amounts do not reflect balances at the end of the period. During the twelve December 31, 2015, six $100, December 31, 2015 no Two fourth 2015 December 31, 2015, $23. Two fourth 2015 December 31, 2015 One fourth 2015 December 31, 2015 no Restructurings that occurred during the year ended December 31, 201 4 Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment (1) Consumer Real Estate Closed-ended first liens 1 $ 126 $ 143 Commercial Real Estate Multifamily residential real estate 1 2,484 2,484 Commercial real estate owner-occupied 1 184 208 Commercial real estate, other 2 2,967 3,008 Total 5 $ 5,761 $ 5,843 (1) Post-modification outstanding recorded investment considers amounts immediate ly following the modification. Amounts do not reflect balances at the end of the period. During the year ended December 31, 2014, five two one 2014 were designated nonaccrual, with the exception of the residential real estate loan which met the criteria for accrual status. The fair value measurements of the restructured loans as of December 31, 2014 $206. Of the Company’s TDR’s that defaulted in 2016, 2015 2014, none 12 one 90

Note 6 - Premises and Equipment

Note 6 - Premises and Equipment	12 Months Ended
	Dec. 31, 2016
Notes to Financial Statements
Property, Plant and Equipment Disclosure [Text Block]	Note 6 : Premises and Equipment A summary of the cost and accumulated depreciation of premises and equipment follows: December 31, 20 16 20 15 Premises $ 12,554 $ 13,097 Furniture and equipment 5,052 6,600 Premises and equipment $ 17,606 $ 19,697 Accumulated depreciation (8,753 ) (10,677 ) Premises and equipment, net $ 8,853 $ 9,020 Depreciation expense for the years ended December 2016, 2015 2014 $801, $749 $732, The Company leases certain branch facilities under noncancellable operating leases. The future minimum lease payments under these leases (with initial or remaining lease terms in excess of one December 31, 2016 $292 2017, $292 2018, $233 2019, $56 2020, $34 2021 $164

Note 7 - Deposits

Note 7 - Deposits	12 Months Ended
	Dec. 31, 2016
Notes to Financial Statements
Deposit Liabilities Disclosures [Text Block]	Note 7 : Deposits The aggregate amounts of time deposits in denominations of $250 December 31, 2016 2015 $15,797 $21,072, At December 31, 2016 2017 88,623 2018 51,347 2019 7,245 2020 8,168 2021 12,394 Thereafter 1,664 Total time deposits $ 169,441 At December 31, 2016 2015, $417 $307,

Note 8 - Employee Benefit Plans

Note 8 - Employee Benefit Plans	12 Months Ended
	Dec. 31, 2016
Notes to Financial Statements
Pension and Other Postretirement Benefits Disclosure [Text Block]	Note 8 : Employee Benefit Plans 401(k) The Company has a Retirement Accumulation Plan qualifying under IRS Code Section 401(k), may 100% December 31, 2016, 2015 2014, $315, $294 $273, Employee Stock Ownership Plan The Company has a nonleveraged Employee Stock Ownership Plan (ESOP) which enables employees of NBI and its subsidiaries who have one 21 January 1 July 1 $150, $200 $100 December 31, 2016, 2015 2014, December 31, 2016, 249,256. 55 ten 50% Salary Continuation Plan The Company has a Salary Continuation Plan for certain key officers. The plan provides the participating officers with supplemental retirement income, payable for the greater of 15 2016, 2015, 2014, $242, $396, $246, Defined Benefit Plan The Company’s defined benefit pension plan covers substantially all employees. The plan benefit formula is based upon the length of service of retired employees and a percentage of qualified W- 2 Dec ember 31, 20 16 20 15 20 14 Change in benefit obligation Projected benefit obligation at beginning of year $ 20,427 $ 19,324 $ 17,185 Service cost 694 620 524 Interest cost 757 669 663 Actuarial loss 198 798 1,674 Benefits paid (1,017 ) (984 ) (722 ) Projected benefit obligation at end of year $ 21,059 $ 20,427 $ 19,324 Change in plan assets Fair value of plan assets at beginning of year $ 16,131 $ 17,130 $ 16,605 Actual return on plan assets 1,113 (155 ) 884 Employer contribution 811 140 363 Benefits paid (1,017 ) (984 ) (722 ) Fair value of plan assets at end of year $ 17,038 $ 16,131 $ 17,130 Funded status at the end of the year $ (4,021 ) $ (4,296 ) $ (2,194 ) Amounts recognized in the Consolidated Balance Sheet Deferred tax asset $ 1,407 $ 1,504 $ 768 Other liabilities (4,021 ) (4,296 ) (2,194 ) Total amounts recognized in the Consolidated Balance Sheet $ (2,614 ) $ (2,792 ) $ (1,426 ) Amounts recognized in acc umulated other comprehensive (loss), net Net loss $ (8,250 ) $ (8,627 ) $ (6,922 ) Prior service cost 449 559 669 Deferred tax asset 2,730 2,798 2,163 Amount recognized $ (5,071 ) $ (5,270 ) $ (4,090 ) Accrued/Prepaid benefit c ost, net Benefit obligation $ (21,059 ) $ (20,427 ) $ (19,324 ) Fair value of assets 17,038 16,131 17,130 Unrecognized net actuarial loss 8,250 8,627 6,922 Unrecognized prior service cost (449 ) (559 ) (669 ) Deferred tax liability (1,323 ) (1,294 ) (1,395 ) Prepaid benefit cost included in other assets $ 2,457 $ 2,478 $ 2,664 Components of net periodic benefit cost Service cost $ 694 $ 620 $ 524 Interest cost 757 669 663 Expected return on plan assets (1,110 ) (1,166 ) (1,112 ) Amortization of prior service cost (110 ) (110 ) (110 ) Recognized net actuarial loss 572 414 262 Net periodic benefit cost $ 803 $ 427 $ 227 Other changes in plan assets and benefit obligations recognized in other comprehensive loss Net (gain) loss $ (377 ) $ 1,705 $ 1,640 Amortization of prior service cost 110 110 110 Deferred income tax expense (benefit) 93 (635 ) (612 ) Total recognized $ (174 ) $ 1,180 $ 1,138 Total recognized in net periodic benefit cost and other comprehensive loss $ 536 $ 2,242 $ 1,977 Weighted average assumptions at end of the year Discount rate used for net periodic pension cost 4.00 % 3.75 % 4.50 % Discount rate used for disclosure 4.00 % 4.00 % 3.75 % Expected return on plan assets 7.50 % 7.50 % 7.50 % Rate of compensation increase 3.00 % 3.00 % 3.00 % Long Term Rate of Return The Company, as plan sponsor, selects the expected long-term rate-of-return-on-assets assumption in consultation with its investment advisors and actuary. This rate is intended to reflect the average rate of earnings expected to be earned on the funds invested or to be invested to provide plan benefits. Historical performance is reviewed, especially with respect to real rates of return (net of inflation), for the major asset classes held or anticipated to be held by the trust, and for the trust itself. Undue weight is not given to recent experience, which may Because assets are held in a qualified trust, anticipated returns are not reduced for taxes. Further, and solely for this purpose, the plan is assumed to continue in force and not terminate during the period during which assets are invested. However, consideration is given to the potential impact of current and future investment policy, cash flow into and out of the trust, and expenses (both investment and non-investment) typically paid from plan assets (to the extent such expenses are not explicitly estimated within periodic cost). The Company, as plan sponsor, has adopted a Pension Administrative Committee Policy (the Policy) for monitoring the investment management of its qualified plans. The Policy includes a statement of general investment principles and a listing of specific investment guidelines, to which the committee may The preferred target allocation for the assets of the defined benefit pension plan is 65% 35% no Fair value measurements of the pension plan’s assets at December 31, 2016 Fair Value Measurements at December 31, 20 1 6 Asset Category Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Cash $ 207 $ 207 $ --- $ --- Equity securities: U. S. companies 9,195 9,195 --- --- International companies 116 116 --- --- Equities mutual funds (1) 966 966 --- --- U. S. government agencies and corporations 53 --- 53 --- State and political subdivisions 230 --- 230 --- Corporate bonds – investment grade (2) 6,271 --- 6,271 --- Total pension plan assets $ 17,038 $ 10,484 $ 6,554 $ --- (1) This category comprises actively managed equity funds invested in large- cap and mid-cap U.S. companies. (2) This category represents investment grade bonds of U.S. issue rs from diverse industries. Fair Value Measurements at December 31, 20 1 5 Asset Category Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Cash $ 876 $ 876 $ --- $ --- Equity securities: U. S. companies 9,600 9,600 --- --- International companies 404 404 --- --- Equities mutual funds (1) 195 195 --- --- U. S. government agencies and corporations 104 --- 104 --- State and political subdivisions 233 --- 233 --- Corporate bonds – investment grade (2) 4,719 --- 4,719 --- Total pension plan assets $ 16,131 $ 11,075 $ 5,056 $ --- (1) This category comprises actively managed equity funds invested in large-cap and mid-cap U.S. companies. (2) This category represents investment grade bonds of U.S. issuers from diverse industries. The Company’s required minimum pension contribution for 2017 Estimated future benefit payments, which reflect expected future service, as appropriate, are as follows: 2017 $ 5,666 2018 $ 1,067 2019 $ 786 2020 $ 1,350 20 21 $ 472 2022 - 2026 $ 4,833

Note 9 - Stock Option Plan

Note 9 - Stock Option Plan	12 Months Ended
	Dec. 31, 2016
Notes to Financial Statements
Disclosure of Compensation Related Costs, Share-based Payments [Text Block]	Note 9 : Stock Option Plan The Company’s 1999 1999 March 9, 2009. 1999 2005 2005. There were no 2016. 2015, 7,500 $54. 2014, 2,500 $15. may No 2015 2014.

Note 10 - Income Taxes

Note 10 - Income Taxes	12 Months Ended
	Dec. 31, 2016
Notes to Financial Statements
Income Tax Disclosure [Text Block]	Note 1 0 : Income Taxes The Company files United States federal income tax returns, and Virginia, West Virginia and North Carolina state income tax returns. With few exceptions, the Company is no longer subject to U.S. federal, state and local income tax examinations by tax authorities for years prior to 2013. Allocation of income tax expense between current and deferred portions is as follows: Years ended December 31, 20 16 20 15 20 14 Current $ 3,934 $ 4,730 $ 5,105 Deferred expense 18 10 73 Total income tax expense $ 3,952 $ 4,740 $ 5,178 The following is a reconciliation of the “expected” income tax expense, computed by applying the U.S. Federal income tax rate of 35% Years ended December 31, 20 16 20 15 20 14 Computed “expected” income tax expense $ 6,613 $ 7,201 $ 7,732 Tax-exempt interest income (2,234 ) (2,381 ) (2,422 ) Nondeductible interest expense 92 101 102 Other, net (519 ) (181 ) (234 ) Reported income tax expense $ 3,952 $ 4,740 $ 5,178 The components of net deferred tax assets, included in other assets, are as follows: December 31, 20 16 20 15 Deferred tax assets: Allowance for loan losses and unearned fee income $ 3,347 $ 3,229 Valuation allowance on other real estate owned 237 188 Defined benefit plan 2,730 2,798 Deferred compensation and other liabilities 1,336 1,334 Discount accretion of securities 15 19 Net unrealized loss on securities available for sale 1,932 1,436 Total deferred tax assets $ 9,597 $ 9,004 Deferred tax liabilities: Fixed assets $ (620 ) $ (620 ) Deposit intangibles (1,573 ) (1,432 ) Defined benefit plan, prepaid portion (1,345 ) (1,303 ) Total deferred tax liabilities (3,538 ) (3,355 ) Net deferred tax asset s $ 6,059 $ 5,649 The Company has determined that a valuation allowance for the gross deferred tax assets is not necessary at December 31, 2016 2015

Note 11 - Restrictions on Divid

Note 11 - Restrictions on Dividends	12 Months Ended
	Dec. 31, 2016
Notes to Financial Statements
Restrictions on Dividends, Loans and Advances [Text Block]	Note 11 : Restrictions on Dividends The Company’s principal source of funds for dividend payments is dividends received from its subsidiary bank. For the years ended December 31, 2016, 2015 2014, $9,071, $7,930 $7,853, $350 2016. Substantially all of Bankshares’ retained earnings are undistributed earnings of its sole banking subsidiary, which are restricted by various regulations administered by federal bank regulatory agencies. Bank regulatory agencies restrict, without prior approval, the total dividend payments of a bank in any calendar year to the bank’s retained net income of that year to date, as defined, combined with its retained net income of the preceding two December 31, 2016, $23,890.

Note 12 - Minimum Regulatory Ca

Note 12 - Minimum Regulatory Capital Requirement	12 Months Ended
	Dec. 31, 2016
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	Note 12 : Minimum Regulatory Capital Requirement The Company (on a consolidated basis) and its subsidiary bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possible additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company’s and the bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off balance sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to bank holding companies. The Basel III Capital Rules, a comprehensive capital framework for U.S. banking organizations, became effective for the Company and the Bank on January 1, 2015 January 2, 2019 1 (“CET1”), 1 1 The Company’s and the Bank’s CET1 CET1 CET1 Tier 1 CET1 1 December 31, 2016 2015, 1 CET1 Total capital includes Tier 1 2 2 Risk-weighted assets at December 31, 2016 $718,739 $715,294 December 31, 2015 $721,012 $719,077 December 31, 2016 2015, As of December 31, 2016, 1 1 1 December 31, 2016 2015 Actual Minimum Capital (1) Minimum To Be Well Amount Ratio Amount Ratio Amount Ratio December 31, 201 6 Total capital (to risk weighted assets) NBI consolidated $ 191,006 26.575 % $ 57,499 8.625 % N/A N/A NBB 188,095 26.296 % 57,224 8.625 % $ 71,529 10.000 % Tier 1 capital (to risk weighted assets) NBI consolidated $ 182,706 25.420 % $ 43,124 6.625 % N/A N/A NBB 179,795 25.136 % 42,918 6.625 % $ 57,224 8.000 % Common Equity Tier 1 capital (to risk weighted assets) NBI consolidated $ 182,706 25.420 % $ 32,343 5.125 % N/A N/A NBB 179,795 25.136 % 32,188 5.125 % $ 46,494 6.500 % Tier 1 capital (to average assets) NBI consolidated $ 182,706 15.121 % $ 48,333 4.000 % N/A N/A NBB 179,795 14.964 % 48,060 4.000 % $ 60,075 5.000 % (1) Except with regard to the Company ’s and the Bank’s Tier 1 (0.625%) four 0.625% 2016 2019, January 2019 (2.5%). CET1 Actual Minimum Capital Minimum To Be Well Amount Ratio Amount Ratio Amount Ratio December 31, 2015 Total capital (to risk weighted assets) NBI consolidated $ 184,054 25.527 % $ 57,681 8.000 % N/A N/A NBB 181,926 25.300 % 57,526 8.000 % $ 71,908 10.000 % Tier 1 capital (to risk weighted assets) NBI consolidated $ 175,757 24.376 % $ 43,261 6.000 % N/A N/A NBB 173,629 24.146 % 43,145 6.000 % $ 57,526 8.000 % Common Equity Tier 1 capital (to risk weighted assets) NBI consolidated $ 175,757 24.376 % $ 32,446 4.500 % N/A N/A NBB 173,629 24.146 % 32,358 4.500 % $ 46,740 6.500 % Tier 1 capital (to average assets) NBI consolidated $ 175,757 15.088 % $ 46,594 4.000 % N/A N/A NBB 173,629 14.888 % 46,648 4.000 % $ 58,310 5.000 %

Note 13 - Condensed Financial S

Note 13 - Condensed Financial Statements of Parent Company	12 Months Ended
	Dec. 31, 2016
Notes to Financial Statements
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	Note 1 3 : Condensed Financial Statements of Parent Company Financial information pertaining only to NBI (Parent) is as follows: Condensed Balance Sheets December 31, 20 16 20 15 Assets Cash due from subsidiaries $ 74 $ 19 Interest-bearing deposits 1,310 170 Securities available for sale , at fair value 163 127 Securities held to maturity (fair value approximates $449 at December 31, 2015) --- 451 Investments in subsidiaries, at equity 177,150 172,017 Refundable income taxes 22 --- Other assets 561 575 Total assets $ 179,280 $ 173,359 Liabilities a nd Stockholders’ Equity Other liabilities $ 1,017 $ 1,245 Stockholders ’ equity 178,263 172,114 Total liabilities and stockholders ’ equity $ 179,280 $ 173,359 Condensed Statements of Income Years Ended December 31, 20 16 20 15 20 14 Income Dividends from subsidiaries $ 9,421 $ 7,930 $ 7,853 Interest on securities – taxable 2 3 2 Interest on securities – nontaxable --- --- 1 Other income 987 1,208 1,250 Total income 10,410 9,141 9,106 Expenses Other expenses 1,992 2,051 2,046 Income before income tax benefit and equity in undistributed net income of subsidiaries 8,418 7,090 7,060 Applicable income tax benefit 628 210 136 Income before equity in undistributed net income of subsidiaries 9,046 7,300 7,196 Equity in undistributed net income of subsidiaries 5,896 8,533 9,718 Net income $ 14,942 $ 15,833 $ 16,914 Condensed Statements of Cash Flows Years ended December 31, 20 16 20 15 20 14 Cash Flows f rom Operating Expenses Net income $ 14,942 $ 15,833 $ 16,914 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (5,896 ) (8,533 ) (9,718 ) Amortization of premiums and accretion of discounts, net 1 1 1 Depreciation expense --- 3 9 Losses on disposal of fixed assets --- 2 94 Net change in refundable income taxes due from subsidiaries (223 ) 106 96 Net change in other assets 219 (81 ) (63 ) Net change in other liabilities (227 ) 128 (33 ) Net cash provided by operating activities 8,816 7,459 7,300 Cash Flows f rom Investing Activities Net change in interest-bearing deposits (1,140 ) 307 213 Purchases of securities held to maturity --- --- (453 ) Maturities and calls of securities available for sale --- --- 455 Maturities and calls of securities held to maturity 450 --- --- Proceeds from sale of premises and equipment --- --- 263 Net cash (used in) provided by investing activities (690 ) 307 478 Cash Flows f rom Financing Activities Cash dividends paid (8,071 ) (7,930 ) (7,853 ) Exercise of stock options --- 173 58 Net cash used in financing activities (8,071 ) (7,757 ) (7,795 ) Net change in cash 55 9 17 Cash due from subsidiaries at beginning of year 19 10 27 Cash due from subsidiaries at end of year $ 74 $ 19 $ 10

Note 14 - Financial Instruments

Note 14 - Financial Instruments with Off-Balance Sheet Risk	12 Months Ended
	Dec. 31, 2016
Notes to Financial Statements
Financial Instruments Disclosure [Text Block]	Not e 14 : Financial Instruments with Off-Balance Sheet Risk The Company is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, standby letters of credit and interest rate locks. These instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated balance sheets. The Company’s exposure to credit loss, in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit, is represented by the contractual amount of those instruments. The Company uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. The Company may At December 31, 2016 2015, December 31, 20 16 20 15 Financial instruments whose contract amounts represent credit risk: Commitments to extend credit $ 130,252 $ 125,934 Standby letters of credit 20,499 15,248 Mortgage loans sold with potential recourse 17,526 17,571 Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may may Unfunded commitments under commercial lines of credit, revolving credit lines, and overdraft protection agreements are commitments for possible future extensions of credit. Some of these commitments are uncollateralized and do not contain a specified maturity date and may Standby letters of credit are conditional commitments issued by the Company to guarantee the performance of a customer to a third may The Company originates mortgage loans for sale to secondary 2016, $17,090 $17,526 $17,641 $17,571 2015. may may may twelve At December 31, 2016, $528 $478. The Company maintains cash accounts in other commercial banks. The Company had $1 December 31, 2016

Note 15 - Concentrations of Cre

Note 15 - Concentrations of Credit Risk	12 Months Ended
	Dec. 31, 2016
Notes to Financial Statements
Concentration Risk Disclosure [Text Block]	Note 1 5 : Concentrations of Credit Risk The Company does a general banking business, serving the commercial and personal banking needs of its customers. NBB’s market area in southwest Virginia is made up of the counties of Montgomery, Giles, Pulaski, Tazewell, Wythe, Smyth and Washington. It also includes the independent cities of Roanoke, Radford and Galax, and the portions of Carroll and Grayson Counties that are adjacent to Galax. In addition, it serves those portions of Mercer County and McDowell County, West Virginia that are contiguous with Tazewell County. Substantially all of NBB’s loans are made in its market area. The ultimate collectability of the bank’s loan portfolio and the ability to realize the value of any underlying collateral, if needed, is influenced by the economic conditions of the market area. The Company’s operating results are therefore closely correlated with the economic trends within this area. Commercial real estate as of December 31, 2016 2015 52% 50% $336,457 $309,378, $236,552 $200,521 December 31, 2016 2015 36% December 31, 2016 32% December 31, 2015. $157,718, 24% $143,504, 23% December 31, 2016 2015, The Company has established operating policies relating to the credit process and collateral in loan originations. Loans to purchase real and personal property are generally collateralized by the related property and with loan amounts established based on certain percentage limitations of the property’s total stated or appraised value. Credit approval is primarily a function of collateral and the evaluation of the creditworthiness of the individual borrower or project based on available financial information. Management considers the concentration of credit risk to be minimal.

Note 16 - Fair Value Measuremen

Note 16 - Fair Value Measurements	12 Months Ended
	Dec. 31, 2016
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 1 6 : Fair Value Measurements The fair value of a financial instrument is the current amount that would be exchanged between willing parties, other than in a forced liquidation. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company’s various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may may The Company records fair value adjustments to certain assets and liabilities and determines fair value disclosures utilizing a definition of fair value of assets and liabilities that states that fair value is an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. Additional considerations are involved to determine the fair value of financial assets in markets that are not active. The Company uses a hierarchy of valuation techniques based on whether the inputs to those valuation techniques are observable or unobservable. Observable inputs reflect market data obtained from independent sources, while unobservable inputs reflect the Company’s market assumptions. The three two 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 The following describes the valuation techniques used by the Company to measure certain financial assets and liabilities recorded at fair value on a recurring basis in the financial statements: Securities A vailable for S ale Securities available for sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted market prices, when available (Level 1). may 2). The following tables present the balances of financial assets measured at fair value on a recurring basis as of December 31, 2016 2015: Fair Value Measurements at December 31, 20 16 Using Description Balance as of December 31, Quoted Prices in Active Significant Other Significant Unobservable Inputs U.S. Government agencies and corporations $ 285,598 $ --- $ 285,598 $ --- States and political subdivisions 11,693 --- 11,693 --- Mortgage-backed securities 930 --- 930 --- Corporate debt securities 5,898 --- 5,898 --- Other securities 163 --- 163 --- Total securities available for sale $ 304,282 $ --- $ 304,282 $ --- Fair Value Measurements at December 31, 20 15 Using Description Balance as of December 31, Quoted Prices in Active Significant Other Significant Unobservable Inputs U.S. Government agencies and corporations $ 212,464 $ --- $ 212,464 $ --- States and political subdivisions 16,475 --- 16,475 --- Mortgage-backed securities 1,319 --- 1,319 --- Corporate debt securities 5,746 --- 5,746 --- Other securities 127 --- 127 --- Total securities available for sale $ 236,131 $ --- $ 236,131 $ --- Certain financial assets are measured at fair value on a nonrecurring basis in accordance with GAAP. Adjustments to the fair value of these assets usually result from the application of lower-of-cost-or-market accounting or write-downs of individual assets. The following describes the valuation techniques used by the Company to measure certain financial assets recorded at fair value on a nonrecurring basis in the financial statements: Loans H eld for S ale Loans held for sale are carried at the lower of cost or market value. These loans currently consist of one four secondary secondary 2). No December 31, 2016 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 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 three 1 3 Loans measured using the fair value of collateral method may 2 3. may 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 $100 one $100, $250, The value of real estate collateral is determined by a current (less than 12 2. 3. 3. 2) ’ financial statements (Level 3) 3). As of December 31, 201 6 December 31, 2015, The following table summarizes the Company’s financial assets that were measured at fair value on a nonrecurring basis during the period. Carrying value Date Description Balance Quoted Prices in Active Significant Other Significant Unobservable Inputs Assets: December 31, 201 6 Impaired loans net of valuation allowance $ 878 $ --- $ --- $ 878 December 31, 201 5 Impaired loans net of valuation allowance 2,328 --- --- 2,328 The following table presents information about Level 3 December 31, 2016. Valuation Technique Unobservable Input Range (Weighted Average) Impaired loans Present value of cash flows Discount rate 6.75% - 8.00% (7.35%) The following table presents information about Level 3 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 Certain assets such as other real estate owned (OREO) are measured at fair value less cost to sell. Valuation of other real estate owned is determined using current appraisals from independent parties, a level two 3 3 The following table summarizes the Company’s other real estate owned that were measured at fair value on a nonrecurring basis during the period. Carrying Value Date Description Balance Quoted Prices in Active Significant Other Significant Unobservable Inputs Assets: December 31, 201 6 Other real estate owned net of valuation allowance $ 3,156 $ --- $ --- $ 3,156 December 31, 201 5 Other real estate owned net of valuation allowance 4,165 --- --- 4,165 The following table presents information about Level 3 December 31, 2016. Valuation Technique Unobservable Input Range (Weighted Average) Other real estate owned Discounted appraised value Selling cost 2.91% (1) – 8.60% (6.48%) Other real estate owned Discounted appraised value Discount for lack of marketability and age of appraisal 0% - 53.46% (13.66%) The following table presents information about Level 3 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 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. The following methods and assumptions were used by the Company in estimating fair value disclosures for financial instruments: Cash and Due from Bank , and Interest-Bearing Deposits The carrying amounts approximate fair value. Securities The fair values of securities, excluding restricted stock, are determined by quoted market prices or dealer quotes. The fair value of certain state and municipal securities is not readily available through market sources other than dealer quotations, so fair value estimates are based on quoted market prices of similar instruments adjusted for differences between the quoted instruments and the instruments being valued. The carrying value of restricted securities approximates fair value based upon the redemption provisions of the applicable entities. Loans Held for Sale Fair values of loans held for sale are based on commitments on hand from investors or prevailing market prices. Loans Fair values are estimated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as commercial, real estate – commercial, real estate – construction, real estate – mortgage, credit card and other consumer loans. Each loan category is further segmented into fixed and adjustable rate interest terms and by performing and nonperforming categories. The fair value of performing loans is calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest rate risk inherent in the loan, as well as estimates for prepayments. The estimate of maturity is based on the Company’s historical experience with repayments for loan classification, modified, as required, by an estimate of the effect of economic conditions on lending. Fair value for significant nonperforming loans is based on estimated cash flows which are discounted using a rate commensurate with the risk associated with the estimated cash flows. Assumptions regarding credit risk, cash flows and discount rates are determined within management’s judgment, using available market information and specific borrower information. Bank-Owned Life Insurance Bank-owned life insurance represents insurance policies on officers of the Company. The cash values of the policies are estimates using information provided by insurance carriers. These policies are carried at their cash surrender value, which approximates fair value. Deposits The fair value of demand and savings deposits is the amount payable on demand. The fair value of fixed maturity term deposits and certificates of deposit is estimated using the rates currently offered for deposits with similar remaining maturities. Accrued Interest The carrying amounts of accrued interest approximate fair value. Commitments to Extend Credit and Standby Letters of Credit The only amounts recorded for commitments to extend credit, standby letters of credit and financial guarantees written are the deferred fees arising from these unrecognized financial instruments. These deferred fees are not deemed significant at December 31, 2016 2015, The estimated fair values, and related carrying amounts, of the Company’s financial instruments are as follows: December 31, 2016 Estimated Fair Value Carrying Amount Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 13,974 $ 13,974 $ --- $ --- Interest-bearing deposits 80,268 80,268 --- --- Securities 439,239 --- 441,974 --- Restricted securities 1,170 --- 1,170 --- Mortgage loans held for sale 478 --- 478 --- Loans, net 639,452 --- --- 658,386 Accrued interest receivable 5,260 --- 5,260 --- Bank-owned life insurance 22,998 --- 22,998 --- Financial liabilities: Deposits $ 1,043,442 $ --- $ 874,001 $ 166,946 Accrued interest payable 55 --- 55 --- December 31, 201 5 Estimated Fair Value Carrying Amount Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 12,152 $ 12,152 $ --- $ --- Interest-bearing deposits 130,811 130,811 --- --- Securities 388,159 --- 394,163 --- Restricted securities 1,129 --- 1,129 --- Mortgage loans held for sale 634 --- 634 --- Loans, net 610,711 --- --- 621,590 Accrued interest receivable 5,769 --- 5,769 --- Bank-owned life insurance 22,401 --- 22,401 --- Financial liabilities: Deposits $ 1,018,859 $ --- $ 826,476 $ 193,912 Accrued interest payable 56 --- 56 ---

Note 17 - Components of Accumul

Note 17 - Components of Accumulated Other Comprehensive Income (Loss)	12 Months Ended
	Dec. 31, 2016
Notes to Financial Statements
Comprehensive Income (Loss) Note [Text Block]	Note 1 7 : Components of Accumulated Other Comprehensive Income (Loss) The following table summarizes the activity related to each component of accumulated other comprehensive income (loss): Net Unrealized Gain (Loss) on Securities Adjustments Related to Pension Benefits Accumulated Other Comprehensive Income (Loss) Balance at December 31, 201 3 (14,011 ) $ (2,953 ) $ (16,964 ) Unrealized holding gain on available for sale securities net of tax of $6,693 12,430 --- 12,430 Reclassification adjustment, net of tax of ($1) (1 ) --- (1 ) Net pension loss arising during the period, net of tax of ($574) --- (1,066 ) (1,066 ) Less amortization of prior service cost included in net periodic pension cost, net of tax of ($39) --- (71 ) (71 ) Balance at December 31, 201 4 $ (1,582 ) $ (4,090 ) $ (5,672 ) Unrealized holding loss on available for sale securities net of tax of ($571) (1,064 ) --- (1,064 ) Reclassification adjustment, net of tax of ($12) (21 ) --- (21 ) Net pension loss arising during the period, net of tax of ($597) --- (1,108 ) (1,108 ) Less amortization of prior service cost included in net periodic pension cost, net of tax of ($38) --- (72 ) (72 ) Balance at December 31, 201 5 $ (2,667 ) $ (5,270 ) $ (7,937 ) Unrealized holding loss on available for sale securities net of tax of ($431) (800 ) --- (800 ) Reclassification a djustment, net of tax of ($65) (121 ) --- (121 ) Net pension gain arising during the period, net of tax of $132 --- 271 271 Less amortization of prior service cost included in net periodic pension cost, net of tax of ($38) --- (72 ) (72 ) Balance at December 31, 201 6 $ (3,588 ) $ (5,071 ) $ (8,659 ) The following table provides information regarding reclassifications out of accumulated other comprehensive income (loss) for the years ended December 31, 2016, 2015 2014: December 31, 201 6 201 5 201 4 Component of Accumulated Other Comprehensive Income (Loss) Reclassification out of unrealized gains and losses on available-for-sale securities: Realized securities gain, net $ (186 ) $ (33 ) $ (2 ) Income tax benefit (65 ) (12 ) (1 ) Realized gain on available-for-sale securities, net of tax, reclassified out of accumulated other comprehensive income (loss) $ (121 ) $ (21 ) $ (1 ) Amortization of defined benefit pension items: Pr ior service costs (1) $ (110 ) $ (110 ) $ (110 ) Income tax benefit (38 ) (38 ) (39 ) Amortization of defined benefit pension items , net of tax, reclassified out of accumulated other comprehensive income (loss) $ (72 ) $ (72 ) $ (71 ) (1) This accumulated other comprehensive income (loss) component is included in the computation of net periodic benefit cost. (For additional information, see Note 8,

Note 18 - Intangible Assets and

Note 18 - Intangible Assets and Goodwill	12 Months Ended
	Dec. 31, 2016
Notes to Financial Statements
Goodwill and Intangible Assets Disclosure [Text Block]	Note 1 8 . Intangible Assets and Goodwill In accounting for goodwill and intangible assets, the Company conducts an impairment review at least annually and more frequently if certain impairment indicators are evident. Accounting guidance provides the option of performing a preliminary assessment of qualitative factors before performing more substantial testing for impairment. If the preliminary assessment indicates that it is more likely than not that fair value is below carrying value, a two two no 2016, 2015 2014. Information concerning goodwill and intangible assets for years ended December 31, 2016 2015 Gross Carrying Value Accumulated Amortization Net Carrying Value December 31, 20 16 Amortizable core deposit intangibles $ 16,257 $ 16,139 $ 118 Unamortizable goodwill 5,848 --- 5,848 Intangible assets and goodwill $ 22,105 $ 16,139 $ 5,966 December 31, 20 15 Amortizable core deposit intangibles $ 16,257 $ 15,881 $ 376 Unamortizable goodwill 5,848 --- 5,848 Intangible assets and goodwill $ 22,105 $ 15,881 $ 6,224 As of December 31, 2016, 201 7 68 201 8 50 Thereafter --- Total $ 118

Significant Accounting Policies

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2016
Accounting Policies [Abstract]
Cash and Cash Equivalents, Policy [Policy Text Block]	Cash and Cash Equivalents For purposes of the consolidated statements of cash flows, cash and cash equivalents include cash and amounts due from banks.
Interest-bearing Deposits [Policy Text Block]	Interest-Bearing Deposits The Company invests over-night funds in interest-bearing deposits at other banks, including the Federal Home Loan Bank, the Federal Reserve, and other entities. Interest-bearing deposits are carried at cost.
Marketable Securities, Policy [Policy Text Block]	Securities Certain debt securities that management has the positive intent and ability to hold to maturity are classified as “held to maturity” and recorded at amortized cost. Trading securities are recorded at fair value with changes in fair value included in earnings. Securities not classified as held to maturity or trading, including equity securities with readily determinable fair values, are classified as “available for sale” and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. The Company uses the interest method to recognize purchase premiums and discounts in interest income over the term of the securities. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. The Company follows the accounting guidance related to recognition and presentation of other-than-temporary impairment. The guidance specifies that if (a) an entity does not have the intent to sell a debt security prior to recovery and (b) it is more likely than not that the entity will not have to sell the debt security prior to recovery, the security would not be considered other-than-temporarily impaired, unless there is a credit loss. When criteria (a) and (b) are met, the entity will recognize the credit component of an other-than-temporary impairment of a debt security in earnings and the remaining portion in other comprehensive income. For held-to-maturity debt securities, the amount of an other-than-temporary impairment recorded in other comprehensive income for the noncredit portion of a previous other-than-temporary impairment is amortized prospectively over the remaining life of the security on the basis of the timing of future estimated cash flows of the security. For equity securities, when the Company decides to sell an impaired available-for-sale security and the Company does not expect the fair value of the security to fully recover before the expected time of sale, the security is deemed other-than-temporarily impaired in the period in which the decision to sell is made. The Company recognizes an impairment loss when the impairment is deemed other than temporary even if a decision to sell has not been made.
Finance, Loan and Lease Receivables, Held-for-sale, Policy [Policy Text Block]	Loans Held for Sale Loans originated and intended for sale in the secondary
Finance, Loan and Lease Receivables, Held-for-investment, Policy [Policy Text Block]	Loans The Company, through its banking subsidiary, provides mortgage, commercial, and consumer loans to customers. A substantial portion of the loan portfolio is represented by mortgage loans, particularly commercial mortgages. The ability of the Company’s debtors to honor their contracts is dependent upon the real estate and general economic conditions in the Company’s market area. The Company’s loans are grouped into six Real estate construction loans are subject to general risks from changing commercial building and housing market trends and economic conditions that may may The credit quality of consumer real estate is subject to risks associated with the borrower’s repayment ability and collateral value, measured generally by analyzing local unemployment and bankruptcy trends, and local housing market trends and interest rates. Risks specific to a borrower are determined by previous repayment history, loan-to-value ratios and debt-to-income ratios. The commercial real estate segment includes loans secured by multifamily residential real estate, commercial real estate occupied by the owner/borrower, and commercial real estate leased to non-owners. Loans in the commercial real estate segment are impacted by economic risks from changing commercial real estate markets, rental markets for multi-family housing and commercial buildings, business bankruptcy rates, local unemployment rates and interest rate trends that would impact the businesses housed by the commercial real estate. Commercial non real estate loans are secured by collateral other than real estate, or are unsecured. Credit risk for commercial non real estate loans is subject to economic conditions, generally monitored by local business bankruptcy trends, interest rates, and borrower repayment ability and collateral value (if secured). Public sector and IDA loans are extended to municipalities and related entities. Credit risk is based upon the entity’s ability to repay through either a direct obligation or assignment of specific revenues from an enterprise or other economic activity, and interest rate trends. Consumer non real estate includes credit cards, automobile and other consumer loans. Credit cards and certain other consumer loans are unsecured, while collateral is obtained for automobile loans and other consumer loans. Credit risk stems primarily from the borrower’s ability to repay. If the loan is secured, the company analyzes loan-to-value ratios. All consumer non real estate loans are analyzed for debt-to-income ratios and previous credit history, as well as for general risks for the portfolio, including local unemployment rates, personal bankruptcy rates and interest rates. Risks from delinquency trends and characteristics such as second Loans that management has the intent and ability to hold for the foreseeable future, or until maturity or payoff, generally are reported at their outstanding unpaid principal balances adjusted for the allowance for loan losses, any purchase premium or discount, unearned income and deferred fees or costs. Interest income is accrued on the unpaid principal balance. Unearned income on dealer-originated loans and loan origination fees, net of certain direct origination costs, are deferred and recognized as an adjustment of the related loan yield using the interest method. Purchase premium or discount is recognized as an adjustment of the related loan yield using the interest method. The Company considers multiple factors when determining whether to discontinue accrual of interest on individual loans. Generally loans are placed in nonaccrual status when collection of interest and/or full principal is considered doubtful. Interest accrual is discontinued at the time a commercial real estate loan or commercial non-real estate loan is 90 90 six may All interest accrued but not collected for loans of all classes that are placed on nonaccrual or for loans charged off is reversed against interest income. Any interest payments received on nonaccrual loans of all classes are credited to the principal balance of the loan. Loans of all classes that have been designated nonaccrual are returned to accrual status when all the principal and interest amounts contractually due are current; future payments are reasonably assured; and for loans that financed the sale of OREO property, loan-to-value thresholds are met. The Company reviews nonaccrual loans on an individual loan basis to determine whether future payments are reasonably assured. In order for this criteria to be satisfied, the Company’s evaluation must determine that the underlying cause of the original delinquency or weakness that indicated nonaccrual status has been resolved, such as receipt of new guarantees, increased cash flows that cover the debt service or other resolution. A loan is considered past due when a payment of principal and/or interest is due but not paid. Credit card payments not received within 30 30 30 89 90
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Allowance for Loan Losses The allowance for loan losses represents management’s estimate of probable losses inherent in the Company’s loan portfolio. A provision for estimated losses is charged to earnings to establish and maintain the allowance for loan losses at a level reflective of the estimated credit risk. When management determines that a loan balance or portion of a loan balance is not collectible, the loss is charged against the allowance. Subsequent recoveries, if any, are credited to the allowance. Management evaluates the allowance each quarter through a methodology that estimates losses on individual impaired loans and evaluates the effect of numerous factors on the credit risk of groups of homogeneous loans. Specific allowances are established for individually-evaluated impaired loans based on the excess of the loan balance relative to the fair value of the loan. Impaired loans are designated as such when current information indicates that it is probable that the Company will be unable to collect principal or interest when due according to the contractual terms of the loan agreement. Loan relationships exceeding $250,000 Fair value of impaired loans is estimated in one three (1) (2) (3) General allowances are established for collectively-evaluated loans. Collectively-evaluated loans are grouped into classes based on similar characteristics. Factors considered in determining general allowances include net charge-off trends, internal risk ratings, delinquency and nonperforming rates, product mix, underwriting practices, industry trends and economic trends. The Company’s charge-off policy meets or is more stringent than the minimum standards required by regulators. When available information confirms that a specific loan or a portion thereof, within any loan class, is uncollectible the amount is charged off against the allowance for loan losses. Additionally, losses on consumer real estate and consumer non-real estate loans are typically charged off no later than when the loans are 120 180 180 may may
Loans and Leases Receivable, Troubled Debt Restructuring Policy [Policy Text Block]	Troubled Debt Restructurings (“TDRs”) In situations where, for economic or legal reasons related to a borrower’s financial condition, management grants a concession to the borrower that it would not otherwise consider, the related loan is classified as a troubled debt restructuring (TDR). These modified terms may
Rate Lock Commitments [Policy Text Block]	Rate Lock Commitments The Company enters into commitments to originate mortgage loans in which the interest rate on the loan is determined prior to funding (rate lock commitments). Rate lock commitments on mortgage loans that are intended to be sold are considered to be derivatives. The period of time between issuance of a loan commitment and closing and sale of the loan generally ranges from 30 60 The market value of rate lock commitments and best efforts contracts is not readily ascertainable with precision because rate lock commitments and best effort contracts are not actively traded in stand-alone markets. The Company determines the fair value of rate lock commitments and best efforts contracts by measuring the changes in the value of the underlying assets while taking into consideration the probability that the rate lock commitments will close. Because of the high correlation between rate lock commitments and best efforts contracts, no gain or loss occurs on the rate lock commitments.
Property, Plant and Equipment, Policy [Policy Text Block]	Premises and Equipment Land is carried at cost. Premises and equipment are stated at cost, net of accumulated depreciation. Depreciation is charged to expense over the estimated useful lives of the assets on the straight-line basis. Depreciable lives include 40 3 10 3
Loans and Leases Receivable, Real Estate Acquired Through Foreclosure, Policy [Policy Text Block]	Other Real Estate Owned Real estate acquired through or in lieu of foreclosure is held for sale and is initially recorded at fair value less estimated costs to sell at the date of foreclosure, establishing the cost basis of the asset. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of carrying amount or fair value less estimated costs to sell. Revenue and expenses from operations and changes in the valuation allowance are included in other operating expenses.
Goodwill and Intangible Assets, Policy [Policy Text Block]	Intangible Assets and Goodwill The Company records as goodwill the excess of purchase price over the fair value of the identifiable net assets acquired. Goodwill is subject to at least an annual assessment for impairment by applying a fair value based test. The Company performs its annual analysis as of September 30 two first second The Company’s goodwill impairment analysis considered three first second third 100% second third Each measure indicated that the Company’s fair value exceeded its book value. No December 31, 2016, 2015 2014. Acquired intangible assets (such as core deposit intangibles) are recognized separately from goodwill if the benefit of the asset can be sold, transferred, licensed, rented, or exchanged, and amortized over its useful life. The Company amortizes on a straight-line basis intangible assets arising from branch purchase transactions over their useful lives, determined by the Company to be ten twelve
Share-based Compensation, Option and Incentive Plans Policy [Policy Text Block]	Stock-Based Compensation The Company’s 1999 March 9, 2009.
Pension and Other Postretirement Plans, Pensions, Policy [Policy Text Block]	Pension Plan The Company recognizes the overfunded or underfunded status of a defined benefit postretirement plan as an asset or liability in its statement of financial position and recognizes changes in that funded status in the year in which the changes occur through comprehensive income. The funded status of a benefit plan is measured as the difference between plan assets at fair value and the projected benefit obligation.
Income Tax, Policy [Policy Text Block]	Income Taxes Income tax accounting guidance results in two Deferred income tax expense results from changes in deferred tax assets and liabilities between periods. Deferred tax assets are recognized if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The term more likely than not means a likelihood of more than 50 50 The Company recognizes interest and penalties on income taxes as a component of income tax expense.
Trust Assets and Income [Policy Text Block]	Trust Assets and Income Assets (other than cash deposits) held by the Trust Department in a fiduciary or agency capacity for customers are not included in the consolidated financial statements since such items are not assets of the Company. Trust income is recognized on the accrual basis.
Earnings Per Share, Policy [Policy Text Block]	Earnings Per Common Share Basic earnings per common share represents income available to common stockholders divided by the weighted-average number of common shares outstanding during the period. Diluted earnings per common share reflects additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. Potential common shares that may The following shows the weighted average number of shares used in computing earnings per common share and the effect on the weighted average number of shares of potentially dilutive common stock. 20 16 20 15 20 14 Average number of common shares outstanding 6,957,974 6,953,849 6,948,789 Effect of dilutive options --- 3,245 10,345 Average number of common shares outstanding used to calculate diluted earnings per common share 6,957,974 6,957,094 6,959,134 The computation of diluted net income per common share excludes shares for stock options that would be anti-dilutive. There were no 2016, 2015 2014. December 31, 2016,
Commitments and Contingencies, Policy [Policy Text Block]	Loss Contingencies Loss contingencies, including claims and legal actions arising in the ordinary course of business are recorded as liabilities when the likelihood of loss is probable and reasonably estimated. Management does not believe there are such matters that will have a material effect on the financial statements.
Advertising Costs, Policy [Policy Text Block]	Advertising The Company charges advertising costs to expenses as incurred. In 2016, $122, $105 $174 2015 2014,
Use of Estimates, Policy [Policy Text Block]	Use of Estimates In preparing consolidated financial statements in conformity with accounting principles generally accepted in the United States of America, management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the consolidated balance sheet and reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses, the valuation of foreclosed real estate, other-than-temporary impairments of securities, evaluation of impairment of goodwill and other intangibles, and pension obligations. Changing economic conditions, adverse economic prospects for borrowers, as well as regulatory agency action as a result of examination, could cause NBB to recognize additions to the allowance for loan losses and may Certain reclassifications have been made to prior period balances to conform to the current year provisions. Prior to 2016, 2016,
New Accounting Pronouncements, Policy [Policy Text Block]	Recent Accounting Pronouncements In August 2014, 2014 15, 205 40): one December 15, 2016. 2014 15 In January 2016, 2016 01, 825 10): 2016 01, 1) 2) 3) 4) December 15, 2017, 2016 01 In February 2016, 2016 02, 842).” 2016 02, (1) (2) 606, December 15, 2018, may 2016 02 During March 2016, 2016 05, 815): December 15, 2016, 2016 05 In March 2016, 2016 07, 323): December 15, 2016. 2016 07 During March 2016, 2016 09, 718): December 15, 2016, 2016 09 During June 2016, 2016 13, 326): December 15, 2019. December 15, 2020. 2016 13 During August 2016, 2016 15, 230): December 15, 2017, 2016 15 During January 2017, 2017 01, 805): 805, three (1) (2) December 15, 2017, 2017 01 During January 2017, 2017 04, 350): 2 2 December 15, 2019. December 15, 2020. January 1, 2017. 2017 04

Note 1 - Summary of Significa29

Note 1 - Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2016
Notes Tables
Schedule of Weighted Average Number of Shares [Table Text Block]	20 16 20 15 20 14 Average number of common shares outstanding 6,957,974 6,953,849 6,948,789 Effect of dilutive options --- 3,245 10,345 Average number of common shares outstanding used to calculate diluted earnings per common share 6,957,974 6,957,094 6,959,134

Note 3 - Securities (Tables)

Note 3 - Securities (Tables)	12 Months Ended
	Dec. 31, 2016
Notes Tables
Available-for-sale Securities [Table Text Block]	December 31, 2016 Available for sale: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 291,271 $ 492 $ 6,165 $ 285,598 States and political subdivisions 11,482 211 --- 11,693 Mortgage-backed securities 845 85 --- 930 Corporate debt securities 6,015 20 137 5,898 Other securities 189 --- 26 163 Total securities available for sale $ 309,802 $ 808 $ 6,328 $ 304,282 December 31, 2015 Available for sale: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses F air Value U.S. Government agencies and corporations $ 216,897 $ 519 $ 4,952 $ 212,464 States and political subdivisions 15,934 541 --- 16,475 Mortgage-backed securities 1,199 120 --- 1,319 Corporate debt securities 6,015 22 291 5,746 Other securities 189 --- 62 127 Total securities available for sale $ 240,234 $ 1,202 $ 5,305 $ 236,131
Investments Classified by Contractual Maturity Date [Table Text Block]	December 31, 20 1 6 Available for sale: Amortized Cost Fair Value Due in one year or less $ 3,414 $ 3,423 Due after one year through five years 199,430 196,433 Due after five years through ten years 80,548 78,001 Due after ten years 26,221 26,262 No maturity 189 163 $ 309,802 $ 304,282 December 31, 20 1 6 Held to maturity: Amortized Cost Fair Value Due in one year or less $ 3,902 $ 3,988 Due after one year through five years 28,249 29,761 Due after five years through ten years 16,615 17,155 Due after ten years 86,191 86,788 $ 134,957 $ 137,692
Held-to-maturity Securities [Table Text Block]	December 31, 20 1 6 Held to maturity: Amortized Cost Gross U nrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 3,934 $ 201 $ --- $ 4,135 States and political subdivisions 129,783 3,579 1,082 132,280 Mortgage-backed securities 265 30 --- 295 Corporate debt securities 975 7 --- 982 Total securities held to maturity $ 134,957 $ 3,817 $ 1,082 $ 137,692 December 31, 20 1 5 Held to maturity: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value U.S. Government agencies and corporations $ 13,909 $ 288 $ 177 $ 14,020 States and political subdivisions 136,373 6,179 330 142,222 Mortgage-backed securities 327 36 --- 363 Corporate debt securities 1,419 10 2 1,427 Total securities held to maturity $ 152,028 $ 6,513 $ 509 $ 158,032
Schedule of Temporary Impairment Losses, Investments [Table Text Block]	December 31, 2016 Less Than 12 Months 12 Months or More Fair Value Unrealized Loss Fair Value Unrealized Loss U. S. Government agencies and corporations $ 260,150 $ 6,161 $ 996 $ 4 State and political subdivisions 31,257 934 1,316 148 Corporate debt securities 3,888 137 --- --- Other securities --- --- 163 26 Total temporarily impaired securities $ 295,295 $ 7,232 $ 2,475 $ 178 December 31, 2015 Less Than 12 Months 12 Months or More Fair Value Unrealized Loss Fair Value Unrealized Loss U. S. Government agencies and corporations $ 88,255 $ 1,800 $ 84,959 $ 3,329 State and political subdivisions 3,449 24 10,161 306 Corporate debt securities 4,974 292 200 1 Other securities --- --- 127 62 Total temporarily impaired securities $ 96,678 $ 2,116 $ 95,447 $ 3,698
Schedule of Realized Gain (Loss) on Called Securities [Table Text Block]	For the year ended December 31, 2016 Proceeds Book Value Gross Gain Gross Loss Net Gain (Loss) Available for sale $ 220,520 $ 220,334 $ 186 $ --- $ 186 Held to maturity 16,160 16,114 46 --- 46 For the year ended December 31, 2015 Proceeds Book Value Gross Gain Gross Loss Net Gain (Loss) Available for sale $ 63,775 $ 63,742 $ 34 $ 1 $ 33 Held to maturity 7,605 7,605 --- --- --- For the year ended December 31, 2014 Proceeds Book Value Gross Gain Gross Loss Net Gain (Loss) Available for sale $ 6,919 $ 6,917 $ 4 $ 2 $ 2 Held to maturity 7,162 7,162 1 1 ---

Note 5 - Allowance for Loan L31

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)	12 Months Ended
	Dec. 31, 2016
Notes Tables
Allowance for Credit Losses on Financing Receivables [Table Text Block]	Activity in th e Allowance for Loan Losses by S egment for the year ended December 31 , 201 6 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 ) (133 ) (488 ) (883 ) --- (273 ) --- (1,806 ) Recoveries --- 2 83 10 --- 64 --- 159 Provision for loan losses (109 ) 95 34 1,281 (106 ) 226 229 1,650 Balance, December 31, 201 6 $ 438 $ 1,830 $ 3,738 $ 1,063 $ 330 $ 644 $ 257 $ 8,300 Activity in th e Allowance for Loan Losses by S egment for the year ended December 31 , 201 5 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Balance , December 31, 2014 $ 612 $ 1,662 $ 3,537 $ 1,475 $ 327 $ 602 $ 48 $ 8,263 Charge-offs --- (205 ) (1,114 ) (490 ) --- (311 ) --- (2,120 ) Recoveries --- 2 49 1 --- 93 --- 145 Provision for loan losses (36 ) 407 1,637 (331 ) 109 243 (20 ) 2,009 Balance, December 31, 201 5 $ 576 $ 1,866 $ 4,109 $ 655 $ 436 $ 627 $ 28 $ 8,297 Activity in th e Allowance for Loan Losses by S egment for the year ended December 31 , 201 4 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Balance , December 31, 2013 $ 863 $ 1,697 $ 3,685 $ 989 $ 132 $ 576 $ 285 $ 8,227 Charge-offs (2 ) (222 ) (1,201 ) (89 ) --- (346 ) --- (1,860 ) Recoveries --- --- 50 132 --- 73 --- 255 Provision for loan losses (249 ) 187 1,003 443 195 299 (237 ) 1,641 Balance, December 31, 201 4 $ 612 $ 1,662 $ 3,537 $ 1,475 $ 327 $ 602 $ 48 $ 8,263
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]	Allowance for Loan Losses by Segment and Evaluation Method as of December 31, 201 6 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 $ --- $ 25 $ 1 $ --- $ --- $ --- $ --- $ 26 Collectively evaluated for impairment 438 1,805 3,737 1,063 330 644 257 8,274 Total $ 438 $ 1,830 $ 3,738 $ 1,063 $ 330 $ 644 $ 257 $ 8,300 Loans by Segment and Evaluation Method as of December 31, 201 6 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 $ 270 $ 877 $ 7,782 $ 241 $ --- $ 3 $ --- $ 9,173 Collectively evaluated for impairment 36,075 156,841 328,675 38,783 45,474 33,525 --- 639,373 Total $ 36,345 $ 157,718 $ 336,457 $ 39,024 $ 45,474 $ 33,528 $ --- $ 648,546 Allowance for Loan Losses by Segment and Evaluation Method as of 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 Individually evaluated for impairment $ --- $ 22 $ 23 $ --- $ --- $ --- $ --- $ 45 Collectively evaluated for impairment 576 1,844 4,086 655 436 627 28 8,252 Total $ 576 $ 1,866 $ 4,109 $ 655 $ 436 $ 627 $ 28 $ 8,297 Loans by Segment and Evaluation Method as of December 31, 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 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]	December 31, 201 6 20 15 Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs 1.28 % 1.34 % Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs 0.26 % 0.32 %
Schedule of Nonperforming Assets [Table Text Block]	December 31, 201 6 20 15 Nonperforming assets: Nonaccrual loans $ 1,168 $ 2,043 Restructured loans in nonaccrual 4,687 4,639 Total nonperforming loans 5,855 6,682 Other real estate owned, net 3,156 4,165 Total nonperforming assets $ 9,011 $ 10,847 Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned 1.38 % 1.74 % Ratio of allowance for loan losses to nonperforming loans ( 1 ) 141.76 % 124.17 %
Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block]	December 31, 201 6 20 15 Loans past due 90 days or more and still accruing $ 63 $ 156 Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs 0.01 % 0.03 % Accruing restructured loans $ 3,769 $ 8,814 Impaired loans : Impaired loans with no valuation allowance $ 8,269 $ 12,973 Impaired loans with a valuation allowance 904 2,373 Total impaired loans $ 9,173 $ 15,346 Valuation allowance $ (26 ) $ (45 ) Impaired loans, net of allowance $ 9,147 $ 15,301 Average recorded investment in impaired loans (1) $ 11,585 $ 17,297 Income recognized on impaired loans , after designation as impaired $ 553 $ 769 Amount of income recognized on a cash basis $ --- $ ---
Impaired Financing Receivables [Table Text Block]	Impaired Loans as of December 31, 201 6 Principal Balance (A) Total Recorded Investment (1) Recorded Investment (1) for Which There is No Related Allowance Recorded I nvestment (1) Related Allowance Real Estate Construction (2) Construction 1-4 family residential $ 280 $ 270 $ 270 $ --- $ --- Co nsumer Real Estate (2) Residential closed-end first liens 648 609 267 342 14 Residential closed-end junior liens 195 195 --- 195 7 Investor-owned residential real estate 73 73 --- 73 4 Commercial Real Estate (2) Multifamily real estate 1,364 1,091 1,091 --- --- Commercial real estate, owner occupied 4,005 3,957 3,663 294 1 Commercial real estate, other 2,997 2,734 2,734 --- --- Commercial Non Real Estate (2) Commercial and Industrial 255 241 241 --- --- Consumer Non Real Estate (2) Automobile 3 3 3 --- --- Total $ 9,820 $ 9,173 $ 8,269 $ 904 $ 26 Impaired Loans as of December 31, 2015 Principal Balance (A) Total Recorded Investment (1) Recorded Investment (1) for Which There is No Related Allowance Recorded Investment (1) (A) for Which There is a Related Allowance Related Allowance Real Estate Construction (2) Construction 1-4 family residential $ 718 $ 718 $ 718 $ --- $ --- Co nsumer Real Estate (2) Residential closed-end first liens 713 669 305 364 13 Residential closed-end junior liens 218 218 --- 218 5 Investor-owned residential real estate 75 75 --- 75 4 Commercial Real Estate (2) Multifamily real estate 1,988 1,728 1,728 --- --- Commercial real estate, owner occupied 5,068 5,020 3,304 1,716 23 Commercial real estate, other 5,990 5,827 5,827 --- --- Commercial Non Real Estate (2) Commercial and Industrial 1,099 1,091 1,091 --- --- Total $ 15,869 $ 15,346 $ 12,973 $ 2,373 $ 45
Impaired Financing Receivable Average Investment And Interest Income [Table Text Block]	Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 201 6 Average Recorded Investment (1) Interest Income Recognized Real Estate Construction (2) Construction 1-4 family residential $ 462 $ 10 Consumer Real Estate (2) Residential closed-end first liens 642 38 Residential closed-end junior liens 207 13 Investor-owned residential real estate 74 4 Commercial Real Estate (2) Multifamily real estate 1,366 12 Commercial real estate, owner occupied 4,342 206 Commercial real estate, other 3,947 263 Commercial Non Real Estate (2) Commercial and Industrial 541 7 Consumer Non Real Estate (2) Automobile 4 --- Total $ 11,585 $ 553 Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2015 Average Recorded Investment (1) Interest Income Recognized Real Estate Construction (2) Construction 1-4 family residential $ 612 $ 23 Consumer Real Estate (2) Residential closed-end first liens 681 43 Residential closed-end junior liens 228 15 Investor-owned residential real estate 76 5 Commercial Real Estate (2) Multifamily real estate 2,581 84 Commercial real estate, owner occupied 6,141 251 Commercial real estate, other 5,888 308 Commercial Non Real Estate (2) Commercial and Industrial 1,090 40 Total $ 17,297 $ 769 Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2014 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate (2) Residential closed-end first liens $ 555 $ 31 Residential closed-end junior liens 249 16 Investor-owned residential real estate 77 5 Commercial Real Estate (2) Multifamily real estate 2,773 --- Commercial real estate, owner occupied 5,836 203 Commercial real estate, other 6,114 175 Commercial Non Real Estate (2) Commercial and Industrial 707 43 Total $ 16,311 $ 473
Past Due Financing Receivables [Table Text Block]	3 0 – 89 Days Past Due 90 or M ore Days Past Due 90 or More Days Past Due and Still Accruing Nonaccruals (I ncluding Impaired Nonaccruals) Real Estate Construction Construction, residential $ --- $ --- $ --- $ 270 Construction, other 25 --- --- --- Consumer Real Estate Equity lines 10 --- --- --- Residential closed-end first liens 1,498 6 6 --- Residential closed-end junior liens 114 36 36 --- Investor-owned residential real estate 56 234 --- 253 Commercial Real Estate Multifamily real estate 132 1,091 --- 1,091 Commercial real estate, owner occupied 339 202 --- 1,183 Commercial real estate, other --- 80 --- 2,814 Commercial Non Real Estate Commercial and Industrial 6 218 --- 241 Public Sector and IDA Public sector and IDA --- --- --- --- Consumer Non Real Estate Credit cards 8 5 5 --- Automobile 234 12 12 3 Other consumer loans 131 4 4 --- Total $ 2,553 $ 1,888 $ 63 $ 5,855 3 0 – 89 Days Past Due 90 or M ore Days Past Due 90 or More Days Past Due and Still Accruing Nonaccruals (I ncluding 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]	Pass Special Mention (Excluding Impaired) Classified (Excluding Impaired) Real Estate Construction Construction, 1-4 family residential $ 11,635 $ 3,468 $ --- Construction, other 20,972 --- --- Consumer Real Estate Equity lines 17,034 82 --- Closed-end first liens 83,658 1,267 580 Closed-end junior liens 4,861 15 151 Investor-owned residential real estate 48,277 333 583 Commercial Real Estate Multifamily residential real estate 99,002 1,733 --- Commercial real estate owner-occupied 120,170 1,188 1,425 Commercial real estate, other 103,534 1,543 80 Commercial Non Real Estate Commercial and Industrial 35,521 3,229 33 Public Sector and IDA States and political subdivisions 45,474 --- --- Consumer Non Real Estate Credit cards 5,978 --- --- Automobile 14,457 25 192 Other consumer 12,229 636 8 Total $ 622,802 $ 13,519 $ 3,052 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 year ended December 31, 201 6 Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment (1) Commercial Real Estate Commercial real estate, other 2 $ 3,008 $ 3,008 Commercial Non Real Estate Commercial and industrial 1 29 30 Co nsumer N on R eal E state Automobile 1 5 5 Total 4 $ 3,042 $ 3,043 Restructurings that occurred during the year ended December 31, 201 5 Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment (1) Real Estate Construction Construction, 1-4 family residential 2 $ 718 $ 718 Commercial Real Estate Commercial real estate owner-occupied 3 2,710 2,623 Commercial N on R eal E state Commercial and industrial 1 200 200 Total 6 $ 3,628 $ 3,541 Restructurings that occurred during the year ended December 31, 201 4 Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment (1) Consumer Real Estate Closed-ended first liens 1 $ 126 $ 143 Commercial Real Estate Multifamily residential real estate 1 2,484 2,484 Commercial real estate owner-occupied 1 184 208 Commercial real estate, other 2 2,967 3,008 Total 5 $ 5,761 $ 5,843

Note 6 - Premises and Equipme32

Note 6 - Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2016
Notes Tables
Property, Plant and Equipment [Table Text Block]	December 31, 20 16 20 15 Premises $ 12,554 $ 13,097 Furniture and equipment 5,052 6,600 Premises and equipment $ 17,606 $ 19,697 Accumulated depreciation (8,753 ) (10,677 ) Premises and equipment, net $ 8,853 $ 9,020

Note 7 - Deposits (Tables)

Note 7 - Deposits (Tables)	12 Months Ended
	Dec. 31, 2016
Notes Tables
Scheduled Maturities of Time Deposits [Table Text Block]	2017 88,623 2018 51,347 2019 7,245 2020 8,168 2021 12,394 Thereafter 1,664 Total time deposits $ 169,441

Note 8 - Employee Benefit Pla34

Note 8 - Employee Benefit Plans (Tables)	12 Months Ended
	Dec. 31, 2016
Notes Tables
Schedule of Defined Benefit Plans Disclosures [Table Text Block]	Dec ember 31, 20 16 20 15 20 14 Change in benefit obligation Projected benefit obligation at beginning of year $ 20,427 $ 19,324 $ 17,185 Service cost 694 620 524 Interest cost 757 669 663 Actuarial loss 198 798 1,674 Benefits paid (1,017 ) (984 ) (722 ) Projected benefit obligation at end of year $ 21,059 $ 20,427 $ 19,324 Change in plan assets Fair value of plan assets at beginning of year $ 16,131 $ 17,130 $ 16,605 Actual return on plan assets 1,113 (155 ) 884 Employer contribution 811 140 363 Benefits paid (1,017 ) (984 ) (722 ) Fair value of plan assets at end of year $ 17,038 $ 16,131 $ 17,130 Funded status at the end of the year $ (4,021 ) $ (4,296 ) $ (2,194 ) Amounts recognized in the Consolidated Balance Sheet Deferred tax asset $ 1,407 $ 1,504 $ 768 Other liabilities (4,021 ) (4,296 ) (2,194 ) Total amounts recognized in the Consolidated Balance Sheet $ (2,614 ) $ (2,792 ) $ (1,426 ) Amounts recognized in acc umulated other comprehensive (loss), net Net loss $ (8,250 ) $ (8,627 ) $ (6,922 ) Prior service cost 449 559 669 Deferred tax asset 2,730 2,798 2,163 Amount recognized $ (5,071 ) $ (5,270 ) $ (4,090 ) Accrued/Prepaid benefit c ost, net Benefit obligation $ (21,059 ) $ (20,427 ) $ (19,324 ) Fair value of assets 17,038 16,131 17,130 Unrecognized net actuarial loss 8,250 8,627 6,922 Unrecognized prior service cost (449 ) (559 ) (669 ) Deferred tax liability (1,323 ) (1,294 ) (1,395 ) Prepaid benefit cost included in other assets $ 2,457 $ 2,478 $ 2,664 Components of net periodic benefit cost Service cost $ 694 $ 620 $ 524 Interest cost 757 669 663 Expected return on plan assets (1,110 ) (1,166 ) (1,112 ) Amortization of prior service cost (110 ) (110 ) (110 ) Recognized net actuarial loss 572 414 262 Net periodic benefit cost $ 803 $ 427 $ 227 Other changes in plan assets and benefit obligations recognized in other comprehensive loss Net (gain) loss $ (377 ) $ 1,705 $ 1,640 Amortization of prior service cost 110 110 110 Deferred income tax expense (benefit) 93 (635 ) (612 ) Total recognized $ (174 ) $ 1,180 $ 1,138 Total recognized in net periodic benefit cost and other comprehensive loss $ 536 $ 2,242 $ 1,977 Weighted average assumptions at end of the year Discount rate used for net periodic pension cost 4.00 % 3.75 % 4.50 % Discount rate used for disclosure 4.00 % 4.00 % 3.75 % Expected return on plan assets 7.50 % 7.50 % 7.50 % Rate of compensation increase 3.00 % 3.00 % 3.00 %
Schedule of Allocation of Plan Assets [Table Text Block]	Fair Value Measurements at December 31, 20 1 6 Asset Category Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Cash $ 207 $ 207 $ --- $ --- Equity securities: U. S. companies 9,195 9,195 --- --- International companies 116 116 --- --- Equities mutual funds (1) 966 966 --- --- U. S. government agencies and corporations 53 --- 53 --- State and political subdivisions 230 --- 230 --- Corporate bonds – investment grade (2) 6,271 --- 6,271 --- Total pension plan assets $ 17,038 $ 10,484 $ 6,554 $ --- Fair Value Measurements at December 31, 20 1 5 Asset Category Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Cash $ 876 $ 876 $ --- $ --- Equity securities: U. S. companies 9,600 9,600 --- --- International companies 404 404 --- --- Equities mutual funds (1) 195 195 --- --- U. S. government agencies and corporations 104 --- 104 --- State and political subdivisions 233 --- 233 --- Corporate bonds – investment grade (2) 4,719 --- 4,719 --- Total pension plan assets $ 16,131 $ 11,075 $ 5,056 $ ---
Schedule of Expected Benefit Payments [Table Text Block]	2017 $ 5,666 2018 $ 1,067 2019 $ 786 2020 $ 1,350 20 21 $ 472 2022 - 2026 $ 4,833

Note 10 - Income Taxes (Tables)

Note 10 - Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2016
Notes Tables
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	Years ended December 31, 20 16 20 15 20 14 Current $ 3,934 $ 4,730 $ 5,105 Deferred expense 18 10 73 Total income tax expense $ 3,952 $ 4,740 $ 5,178
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	Years ended December 31, 20 16 20 15 20 14 Computed “expected” income tax expense $ 6,613 $ 7,201 $ 7,732 Tax-exempt interest income (2,234 ) (2,381 ) (2,422 ) Nondeductible interest expense 92 101 102 Other, net (519 ) (181 ) (234 ) Reported income tax expense $ 3,952 $ 4,740 $ 5,178
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	December 31, 20 16 20 15 Deferred tax assets: Allowance for loan losses and unearned fee income $ 3,347 $ 3,229 Valuation allowance on other real estate owned 237 188 Defined benefit plan 2,730 2,798 Deferred compensation and other liabilities 1,336 1,334 Discount accretion of securities 15 19 Net unrealized loss on securities available for sale 1,932 1,436 Total deferred tax assets $ 9,597 $ 9,004 Deferred tax liabilities: Fixed assets $ (620 ) $ (620 ) Deposit intangibles (1,573 ) (1,432 ) Defined benefit plan, prepaid portion (1,345 ) (1,303 ) Total deferred tax liabilities (3,538 ) (3,355 ) Net deferred tax asset s $ 6,059 $ 5,649

Note 12 - Minimum Regulatory 36

Note 12 - Minimum Regulatory Capital Requirement (Tables)	12 Months Ended
	Dec. 31, 2016
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Actual Minimum Capital (1) Minimum To Be Well Amount Ratio Amount Ratio Amount Ratio December 31, 201 6 Total capital (to risk weighted assets) NBI consolidated $ 191,006 26.575 % $ 57,499 8.625 % N/A N/A NBB 188,095 26.296 % 57,224 8.625 % $ 71,529 10.000 % Tier 1 capital (to risk weighted assets) NBI consolidated $ 182,706 25.420 % $ 43,124 6.625 % N/A N/A NBB 179,795 25.136 % 42,918 6.625 % $ 57,224 8.000 % Common Equity Tier 1 capital (to risk weighted assets) NBI consolidated $ 182,706 25.420 % $ 32,343 5.125 % N/A N/A NBB 179,795 25.136 % 32,188 5.125 % $ 46,494 6.500 % Tier 1 capital (to average assets) NBI consolidated $ 182,706 15.121 % $ 48,333 4.000 % N/A N/A NBB 179,795 14.964 % 48,060 4.000 % $ 60,075 5.000 % Actual Minimum Capital Minimum To Be Well Amount Ratio Amount Ratio Amount Ratio December 31, 2015 Total capital (to risk weighted assets) NBI consolidated $ 184,054 25.527 % $ 57,681 8.000 % N/A N/A NBB 181,926 25.300 % 57,526 8.000 % $ 71,908 10.000 % Tier 1 capital (to risk weighted assets) NBI consolidated $ 175,757 24.376 % $ 43,261 6.000 % N/A N/A NBB 173,629 24.146 % 43,145 6.000 % $ 57,526 8.000 % Common Equity Tier 1 capital (to risk weighted assets) NBI consolidated $ 175,757 24.376 % $ 32,446 4.500 % N/A N/A NBB 173,629 24.146 % 32,358 4.500 % $ 46,740 6.500 % Tier 1 capital (to average assets) NBI consolidated $ 175,757 15.088 % $ 46,594 4.000 % N/A N/A NBB 173,629 14.888 % 46,648 4.000 % $ 58,310 5.000 %

Note 13 - Condensed Financial37

Note 13 - Condensed Financial Statements of Parent Company (Tables)	12 Months Ended
	Dec. 31, 2016
Notes Tables
Condensed Balance Sheet [Table Text Block]	Condensed Balance Sheets December 31, 20 16 20 15 Assets Cash due from subsidiaries $ 74 $ 19 Interest-bearing deposits 1,310 170 Securities available for sale , at fair value 163 127 Securities held to maturity (fair value approximates $449 at December 31, 2015) --- 451 Investments in subsidiaries, at equity 177,150 172,017 Refundable income taxes 22 --- Other assets 561 575 Total assets $ 179,280 $ 173,359 Liabilities a nd Stockholders’ Equity Other liabilities $ 1,017 $ 1,245 Stockholders ’ equity 178,263 172,114 Total liabilities and stockholders ’ equity $ 179,280 $ 173,359
Condensed Income Statement [Table Text Block]	Years Ended December 31, 20 16 20 15 20 14 Income Dividends from subsidiaries $ 9,421 $ 7,930 $ 7,853 Interest on securities – taxable 2 3 2 Interest on securities – nontaxable --- --- 1 Other income 987 1,208 1,250 Total income 10,410 9,141 9,106 Expenses Other expenses 1,992 2,051 2,046 Income before income tax benefit and equity in undistributed net income of subsidiaries 8,418 7,090 7,060 Applicable income tax benefit 628 210 136 Income before equity in undistributed net income of subsidiaries 9,046 7,300 7,196 Equity in undistributed net income of subsidiaries 5,896 8,533 9,718 Net income $ 14,942 $ 15,833 $ 16,914
Condensed Cash Flow Statement [Table Text Block]	Years ended December 31, 20 16 20 15 20 14 Cash Flows f rom Operating Expenses Net income $ 14,942 $ 15,833 $ 16,914 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed net income of subsidiaries (5,896 ) (8,533 ) (9,718 ) Amortization of premiums and accretion of discounts, net 1 1 1 Depreciation expense --- 3 9 Losses on disposal of fixed assets --- 2 94 Net change in refundable income taxes due from subsidiaries (223 ) 106 96 Net change in other assets 219 (81 ) (63 ) Net change in other liabilities (227 ) 128 (33 ) Net cash provided by operating activities 8,816 7,459 7,300 Cash Flows f rom Investing Activities Net change in interest-bearing deposits (1,140 ) 307 213 Purchases of securities held to maturity --- --- (453 ) Maturities and calls of securities available for sale --- --- 455 Maturities and calls of securities held to maturity 450 --- --- Proceeds from sale of premises and equipment --- --- 263 Net cash (used in) provided by investing activities (690 ) 307 478 Cash Flows f rom Financing Activities Cash dividends paid (8,071 ) (7,930 ) (7,853 ) Exercise of stock options --- 173 58 Net cash used in financing activities (8,071 ) (7,757 ) (7,795 ) Net change in cash 55 9 17 Cash due from subsidiaries at beginning of year 19 10 27 Cash due from subsidiaries at end of year $ 74 $ 19 $ 10

Note 14 - Financial Instrumen38

Note 14 - Financial Instruments with Off-Balance Sheet Risk (Tables)	12 Months Ended
	Dec. 31, 2016
Notes Tables
Schedule of Fair Value, Off-balance Sheet Risks [Table Text Block]	December 31, 20 16 20 15 Financial instruments whose contract amounts represent credit risk: Commitments to extend credit $ 130,252 $ 125,934 Standby letters of credit 20,499 15,248 Mortgage loans sold with potential recourse 17,526 17,571

Note 16 - Fair Value Measurem39

Note 16 - Fair Value Measurements (Tables)	12 Months Ended
	Dec. 31, 2016
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Fair Value Measurements at December 31, 20 16 Using Description Balance as of December 31, Quoted Prices in Active Significant Other Significant Unobservable Inputs U.S. Government agencies and corporations $ 285,598 $ --- $ 285,598 $ --- States and political subdivisions 11,693 --- 11,693 --- Mortgage-backed securities 930 --- 930 --- Corporate debt securities 5,898 --- 5,898 --- Other securities 163 --- 163 --- Total securities available for sale $ 304,282 $ --- $ 304,282 $ --- Fair Value Measurements at December 31, 20 15 Using Description Balance as of December 31, Quoted Prices in Active Significant Other Significant Unobservable Inputs U.S. Government agencies and corporations $ 212,464 $ --- $ 212,464 $ --- States and political subdivisions 16,475 --- 16,475 --- Mortgage-backed securities 1,319 --- 1,319 --- Corporate debt securities 5,746 --- 5,746 --- Other securities 127 --- 127 --- Total securities available for sale $ 236,131 $ --- $ 236,131 $ ---
Fair Value Measurements, Nonrecurring [Table Text Block]	Carrying value Date Description Balance Quoted Prices in Active Significant Other Significant Unobservable Inputs Assets: December 31, 201 6 Impaired loans net of valuation allowance $ 878 $ --- $ --- $ 878 December 31, 201 5 Impaired loans net of valuation allowance 2,328 --- --- 2,328 Carrying Value Date Description Balance Quoted Prices in Active Significant Other Significant Unobservable Inputs Assets: December 31, 201 6 Other real estate owned net of valuation allowance $ 3,156 $ --- $ --- $ 3,156 December 31, 201 5 Other real estate owned net of valuation allowance 4,165 --- --- 4,165
Fair Value Inputs, Assets, Quantitative Information [Table Text Block]	Valuation Technique Unobservable Input Range (Weighted Average) Impaired loans Present value of cash flows Discount rate 6.75% - 8.00% (7.35%) Valuation Technique Unobservable Input Range (Weighted Average) Impaired loans Present value of cash flows Discount rate 6.00% - 7.38% (6.56%) Valuation Technique Unobservable Input Range (Weighted Average) Other real estate owned Discounted appraised value Selling cost 2.91% (1) – 8.60% (6.48%) Other real estate owned Discounted appraised value Discount for lack of marketability and age of appraisal 0% - 53.46% (13.66%) 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]	December 31, 2016 Estimated Fair Value Carrying Amount Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 13,974 $ 13,974 $ --- $ --- Interest-bearing deposits 80,268 80,268 --- --- Securities 439,239 --- 441,974 --- Restricted securities 1,170 --- 1,170 --- Mortgage loans held for sale 478 --- 478 --- Loans, net 639,452 --- --- 658,386 Accrued interest receivable 5,260 --- 5,260 --- Bank-owned life insurance 22,998 --- 22,998 --- Financial liabilities: Deposits $ 1,043,442 $ --- $ 874,001 $ 166,946 Accrued interest payable 55 --- 55 --- December 31, 201 5 Estimated Fair Value Carrying Amount Level 1 Level 2 Level 3 Financial assets: Cash and due from banks $ 12,152 $ 12,152 $ --- $ --- Interest-bearing deposits 130,811 130,811 --- --- Securities 388,159 --- 394,163 --- Restricted securities 1,129 --- 1,129 --- Mortgage loans held for sale 634 --- 634 --- Loans, net 610,711 --- --- 621,590 Accrued interest receivable 5,769 --- 5,769 --- Bank-owned life insurance 22,401 --- 22,401 --- Financial liabilities: Deposits $ 1,018,859 $ --- $ 826,476 $ 193,912 Accrued interest payable 56 --- 56 ---

Note 17 - Components of Accum40

Note 17 - Components of Accumulated Other Comprehensive Income (Loss) (Tables)	12 Months Ended
	Dec. 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 Income (Loss) Balance at December 31, 201 3 (14,011 ) $ (2,953 ) $ (16,964 ) Unrealized holding gain on available for sale securities net of tax of $6,693 12,430 --- 12,430 Reclassification adjustment, net of tax of ($1) (1 ) --- (1 ) Net pension loss arising during the period, net of tax of ($574) --- (1,066 ) (1,066 ) Less amortization of prior service cost included in net periodic pension cost, net of tax of ($39) --- (71 ) (71 ) Balance at December 31, 201 4 $ (1,582 ) $ (4,090 ) $ (5,672 ) Unrealized holding loss on available for sale securities net of tax of ($571) (1,064 ) --- (1,064 ) Reclassification adjustment, net of tax of ($12) (21 ) --- (21 ) Net pension loss arising during the period, net of tax of ($597) --- (1,108 ) (1,108 ) Less amortization of prior service cost included in net periodic pension cost, net of tax of ($38) --- (72 ) (72 ) Balance at December 31, 201 5 $ (2,667 ) $ (5,270 ) $ (7,937 ) Unrealized holding loss on available for sale securities net of tax of ($431) (800 ) --- (800 ) Reclassification a djustment, net of tax of ($65) (121 ) --- (121 ) Net pension gain arising during the period, net of tax of $132 --- 271 271 Less amortization of prior service cost included in net periodic pension cost, net of tax of ($38) --- (72 ) (72 ) Balance at December 31, 201 6 $ (3,588 ) $ (5,071 ) $ (8,659 )
Reclassification out of Accumulated Other Comprehensive Income [Table Text Block]	December 31, 201 6 201 5 201 4 Component of Accumulated Other Comprehensive Income (Loss) Reclassification out of unrealized gains and losses on available-for-sale securities: Realized securities gain, net $ (186 ) $ (33 ) $ (2 ) Income tax benefit (65 ) (12 ) (1 ) Realized gain on available-for-sale securities, net of tax, reclassified out of accumulated other comprehensive income (loss) $ (121 ) $ (21 ) $ (1 ) Amortization of defined benefit pension items: Pr ior service costs (1) $ (110 ) $ (110 ) $ (110 ) Income tax benefit (38 ) (38 ) (39 ) Amortization of defined benefit pension items , net of tax, reclassified out of accumulated other comprehensive income (loss) $ (72 ) $ (72 ) $ (71 )

Note 18 - Intangible Assets a41

Note 18 - Intangible Assets and Goodwill (Tables)	12 Months Ended
	Dec. 31, 2016
Notes Tables
Schedule of Intangible Assets and Goodwill [Table Text Block]	Gross Carrying Value Accumulated Amortization Net Carrying Value December 31, 20 16 Amortizable core deposit intangibles $ 16,257 $ 16,139 $ 118 Unamortizable goodwill 5,848 --- 5,848 Intangible assets and goodwill $ 22,105 $ 16,139 $ 5,966 December 31, 20 15 Amortizable core deposit intangibles $ 16,257 $ 15,881 $ 376 Unamortizable goodwill 5,848 --- 5,848 Intangible assets and goodwill $ 22,105 $ 15,881 $ 6,224
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]	201 7 68 201 8 50 Thereafter --- Total $ 118

Note 1 - Summary of Significa42

Note 1 - Summary of Significant Accounting Policies (Details Textual) - USD ($)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Number of Days of Delinquent Loans Nonaccrual of Interest	90 days
Minimum Number of Days of Discontinued Loan Payments for Modified Loan to be Placed on Nonaccrual	90 days
Number of Days Past Due	30 days
Threshold for Designation to Impaired Status	$ 250,000
Minimum Number of Days Consumer Loans are Past Due for Losses to be Charged Off	120 days
Maximum Number of Days Consumer Loans are Past Due for Losses to be Charged Off	180 days
Number of Days Loans Secured by Residential Or Commercial Real Estate Are Past Due for Losses to Be Carged Off	180 days
Period of Time Between Issuance of Loan Commitment and Closing and Sale of Loans Lower Range	30 days
Period of Time Between Issuance of Loan Commitments and Closing and Sale of Loans Upper Range	60 days
Noncontrolling Interest, Ownership Percentage by Parent	100.00%
Goodwill, Impairment Loss	$ 0	$ 0	$ 0
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount	0	0	0
Advertising Expense	$ 122,000	$ 105,000	$ 174,000
Minimum [Member]
Finite-Lived Intangible Asset, Useful Life	10 years
Maximum [Member]
Finite-Lived Intangible Asset, Useful Life	12 years
Building [Member]
Property, Plant and Equipment, Useful Life	40 years
Furniture and Fixtures [Member] | Minimum [Member]
Property, Plant and Equipment, Useful Life	3 years
Furniture and Fixtures [Member] | Maximum [Member]
Property, Plant and Equipment, Useful Life	10 years
Computer Equipment [Member]
Property, Plant and Equipment, Useful Life	3 years

Note 1 - Summary of Significa43

Note 1 - Summary of Significant Accounting Policies - Weighted Average Number of Shares (Details) - shares	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Average number of common shares outstanding (in shares)	6,957,974	6,953,849	6,948,789
Effect of dilutive options (in shares)	0	3,245	10,345
Average number of common shares outstanding used to calculate diluted earnings per common share (in shares)	6,957,974	6,957,094	6,959,134

Note 3 - Securities (Details Te

Note 3 - Securities (Details Textual) $ in Thousands	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)
Number of Temporarily Impaired Securities	325
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 297,770
Continuous Unrealized Loss Position Aggregate Losses	$ 7,410
Number of Temporarily Impaired Securities Greater than Twelve Months	4
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	$ 2,475	$ 95,447
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	178	3,698
Available-for-sale Securities Pledged as Collateral	178,121	156,721
Federal Home Loan Bank of Atlanta [Member] | National Bank of Blacksburg [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	493,620
Restricted Stock [Member]
Restricted Investments	$ 1,170	1,129
US Government Agencies Debt Securities [Member]
Number of Temporarily Impaired Securities	1
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 996
Continuous Unrealized Loss Position Aggregate Losses	4
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	996	84,959
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	$ 4	3,329
US States and Political Subdivisions Debt Securities [Member]
Number of Temporarily Impaired Securities	2
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 1,316
Continuous Unrealized Loss Position Aggregate Losses	148
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	1,316	10,161
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	$ 148	306
Other Securities [Member]
Number of Temporarily Impaired Securities	1
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 26
Continuous Unrealized Loss Position Aggregate Losses	163
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	163	127
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	$ 26	$ 62

Note 3 - Securities - Securitie

Note 3 - Securities - Securities Available-for-sale (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Securities available-for-sale, Amortized Costs	$ 309,802	$ 240,234
Securities available-for-sale, Gross Unrealized Gains	808	1,202
Securities available-for-sale, Gross Unrealized Losses	6,328	5,305
Securities available-for-sale, Fair Values	304,282	236,131
US Government Agencies Debt Securities [Member]
Securities available-for-sale, Amortized Costs	291,271	216,897
Securities available-for-sale, Gross Unrealized Gains	492	519
Securities available-for-sale, Gross Unrealized Losses	6,165	4,952
Securities available-for-sale, Fair Values	285,598	212,464
US States and Political Subdivisions Debt Securities [Member]
Securities available-for-sale, Amortized Costs	11,482	15,934
Securities available-for-sale, Gross Unrealized Gains	211	541
Securities available-for-sale, Gross Unrealized Losses	0	0
Securities available-for-sale, Fair Values	11,693	16,475
Collateralized Mortgage Backed Securities [Member]
Securities available-for-sale, Amortized Costs	845	1,199
Securities available-for-sale, Gross Unrealized Gains	85	120
Securities available-for-sale, Gross Unrealized Losses	0	0
Securities available-for-sale, Fair Values	930	1,319
Corporate Debt Securities [Member]
Securities available-for-sale, Amortized Costs	6,015	6,015
Securities available-for-sale, Gross Unrealized Gains	20	22
Securities available-for-sale, Gross Unrealized Losses	137	291
Securities available-for-sale, Fair Values	5,898	5,746
Other Securities [Member]
Securities available-for-sale, Amortized Costs	189	189
Securities available-for-sale, Gross Unrealized Gains	0	0
Securities available-for-sale, Gross Unrealized Losses	26	62
Securities available-for-sale, Fair Values	$ 163	$ 127

Note 3 - Securities - Securit46

Note 3 - Securities - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Amortized cost, Due in one year or less, available for sale securities	$ 3,414
Fair value, Due in one year or less, available for sale securities	3,423
Amortized cost, Due after one year through five years, available for sale securities	199,430
Fair value, Due after one year through five years, available for sale securities	196,433
Amortized cost, Due after five years through ten years, available for sale securities	80,548
Fair value, Due after five years through ten years, available for sale securities	78,001
Amortized cost, Due after ten years, available for sale securities	26,221
Fair value, Due after ten years, available for sale securities	26,262
Amortized cost, No maturity, available for sale securities	189
Fair value, No maturity, available for sale securities	163
Amortized cost, Total securities available for sale	309,802
Fair value, Total securities available for sale	304,282	$ 236,131
Amortized cost, Due in one year or less, held to maturity securities	3,902
Fair value, Due in one year or less, held to maturity securities	3,988
Amortized cost, Due after one year through five years, held to maturity securities	28,249
Fair value, Due after one year through five years, held to maturity securities	29,761
Amortized cost, Due after five years through ten years, held to maturity securities	16,615
Fair value, Due after give years through ten years, held to maturity securities	17,155
Amortized cost, Due after ten years, held to maturity securities	86,191
Fair value, Due after ten years, held to maturity securities	86,788
Amortized cost, Total securities held to maturity	134,957	152,028
Fair value, Total securities held to maturity	$ 137,692	$ 158,032

Note 3 - Securities - Securit47

Note 3 - Securities - Securities Held-to-maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Securities held-to-maturity, Amortized Costs	$ 134,957	$ 152,028
Securities held-to-maturity, Gross Unrealized Gains	3,817	6,513
Securities held-to-maturity, Gross Unrealized Losses	1,082	509
Securities held-to-maturity, Fair Values	137,692	158,032
US Government Agencies Debt Securities [Member]
Securities held-to-maturity, Amortized Costs	3,934	13,909
Securities held-to-maturity, Gross Unrealized Gains	201	288
Securities held-to-maturity, Gross Unrealized Losses	0	177
Securities held-to-maturity, Fair Values	4,135	14,020
US States and Political Subdivisions Debt Securities [Member]
Securities held-to-maturity, Amortized Costs	129,783	136,373
Securities held-to-maturity, Gross Unrealized Gains	3,579	6,179
Securities held-to-maturity, Gross Unrealized Losses	1,082	330
Securities held-to-maturity, Fair Values	132,280	142,222
Collateralized Mortgage Backed Securities [Member]
Securities held-to-maturity, Amortized Costs	265	327
Securities held-to-maturity, Gross Unrealized Gains	30	36
Securities held-to-maturity, Gross Unrealized Losses	0	0
Securities held-to-maturity, Fair Values	295	363
Corporate Debt Securities [Member]
Securities held-to-maturity, Amortized Costs	975	1,419
Securities held-to-maturity, Gross Unrealized Gains	7	10
Securities held-to-maturity, Gross Unrealized Losses	0	2
Securities held-to-maturity, Fair Values	$ 982	$ 1,427

Note 3 - Securities - Securit48

Note 3 - Securities - Securities in a Continuous Loss Position (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Securities in a Continuours Loss Position, Less Than 12 Months, Fair Value	$ 295,295	$ 96,678
Securities in a Continuours Loss Position, Less Than 12 Months, Unrealized Loss	7,232	2,116
Securities in a Continuours Loss Position, 12 Months or More, Fair Value	2,475	95,447
Securities in a Continuours Loss Position, 12 Months or More, Unrealized Loss	178	3,698
US Government Agencies Debt Securities [Member]
Securities in a Continuours Loss Position, Less Than 12 Months, Fair Value	260,150	88,255
Securities in a Continuours Loss Position, Less Than 12 Months, Unrealized Loss	6,161	1,800
Securities in a Continuours Loss Position, 12 Months or More, Fair Value	996	84,959
Securities in a Continuours Loss Position, 12 Months or More, Unrealized Loss	4	3,329
US States and Political Subdivisions Debt Securities [Member]
Securities in a Continuours Loss Position, Less Than 12 Months, Fair Value	31,257	3,449
Securities in a Continuours Loss Position, Less Than 12 Months, Unrealized Loss	934	24
Securities in a Continuours Loss Position, 12 Months or More, Fair Value	1,316	10,161
Securities in a Continuours Loss Position, 12 Months or More, Unrealized Loss	148	306
Corporate Debt Securities [Member]
Securities in a Continuours Loss Position, Less Than 12 Months, Fair Value	3,888	4,974
Securities in a Continuours Loss Position, Less Than 12 Months, Unrealized Loss	137	292
Securities in a Continuours Loss Position, 12 Months or More, Fair Value	0	200
Securities in a Continuours Loss Position, 12 Months or More, Unrealized Loss	0	1
Other Securities [Member]
Securities in a Continuours Loss Position, Less Than 12 Months, Fair Value	0	0
Securities in a Continuours Loss Position, Less Than 12 Months, Unrealized Loss	0	0
Securities in a Continuours Loss Position, 12 Months or More, Fair Value	163	127
Securities in a Continuours Loss Position, 12 Months or More, Unrealized Loss	$ 26	$ 62

Note 3 - Securities - Realized

Note 3 - Securities - Realized Gains and Losses From Calls of Securities (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Available for sale, proceeds	$ 220,520	$ 63,775	$ 6,919
Available for sale, book value	220,334	63,742	6,917
Available for sale, gross gain	186	34	4
Available for sale, gross loss	0	1	2
Available for sale, net gain (loss)	186	33	2
Held to maturity, proceeds	16,160	7,605	7,162
Held to maturity, book value	16,114	7,605	7,162
Held to maturity, gross gain	46	0	1
Held to maturity, gross loss	0	0	1
Held to maturity, net gain (loss)	$ 46	$ 0	$ 0

Note 4 - Related Party Transa50

Note 4 - Related Party Transactions (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Loans and Leases Receivable, Related Parties	$ 8,754	$ 8,819
Loans and Leases Receivable, Related Parties, Additions	4,966
Loans and Leases Receivable, Related Parties, Proceeds	5,031
Related Party Deposit Liabilities	$ 14,604	$ 11,275

Note 5 - Allowance for Loan L51

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details Textual) $ in Thousands	12 Months Ended
	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Threshold Period for Considering Loans as Special Mention or Classified	75 days
Financing Receivable, Modifications, Number of Contracts	4	6	5
Allowance for Credit Losses, Change in Method of Calculating Impairment			$ 206
Financing Receivable, Modifications, Subsequent Default, Number of Contracts	0	0	0
Interest and Fee Income, Loans and Leases	$ 29,365	$ 30,446	$ 31,058
Nonperforming Financial Instruments [Member]
Interest and Fee Income, Loans and Leases	$ 0	$ 0	$ 0
Construction Loans [Member] | Become Non-Revolving and Interest Only Payments [Member]
Financing Receivable, Modifications, Number of Contracts		2
Commercial Non Real Estate Segment [Member]
Financing Receivable, Modifications, Number of Contracts	1
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Financing Receivable, Modifications, Number of Contracts	1
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Financing Receivable, Modifications, Number of Contracts		3	1
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Forgive Principal, Reduce Interest Rate, Capitalize Interest, and Re-amortize Payments [Member]
Financing Receivable Modifications Principal Forgiven		$ 100
Allowance for Credit Losses, Change in Method of Calculating Impairment		$ 0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Interest Only Payments [Member]
Financing Receivable, Modifications, Number of Contracts		2
Allowance for Credit Losses, Change in Method of Calculating Impairment		$ 23
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member] | Contractual Interest Rate Reduction [Member]
Financing Receivable, Modifications, Number of Contracts			2
Commercial Real Estate Portfolio Segment [Member] | Commercia Real Estate Non-Owner Occupied [Member]
Financing Receivable, Modifications, Number of Contracts			2
Commercial Real Estate Portfolio Segment [Member] | Commercia Real Estate Non-Owner Occupied [Member] | Interest Only Payments [Member]
Financing Receivable, Modifications, Number of Contracts			2
Commercial Portfolio Segment [Member] | Extended Maturity [Member]
Financing Receivable, Modifications, Number of Contracts		1
Allowance for Credit Losses, Change in Method of Calculating Impairment		$ 0
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%

Note 5 - Allowance for Loan L52

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Balance	$ 8,297	$ 8,263	$ 8,227
Charge-offs	(1,806)	(2,120)	(1,860)
Recoveries	159	145	255
Provision for loan losses	1,650	2,009	1,641
Balance	8,300	8,297	8,263
Real Estate Construction Portfolio Segment[Member]
Balance	576	612	863
Charge-offs	(29)	0	(2)
Recoveries	0	0	0
Provision for loan losses	(109)	(36)	(249)
Balance	438	576	612
Consumer Real Estate Portfolio Segment [Member]
Balance	1,866	1,662	1,697
Charge-offs	(133)	(205)	(222)
Recoveries	2	2	0
Provision for loan losses	95	407	187
Balance	1,830	1,866	1,662
Commercial Real Estate Portfolio Segment [Member]
Balance	4,109	3,537	3,685
Charge-offs	(488)	(1,114)	(1,201)
Recoveries	83	49	50
Provision for loan losses	34	1,637	1,003
Balance	3,738	4,109	3,537
Commercial Non Real Estate Segment [Member]
Balance	655	1,475	989
Charge-offs	(883)	(490)	(89)
Recoveries	10	1	132
Provision for loan losses	1,281	(331)	443
Balance	1,063	655	1,475
Public Sector and IDA Portfolio Segment[Member]
Balance	436	327	132
Charge-offs	0	0	0
Recoveries	0	0	0
Provision for loan losses	(106)	109	195
Balance	330	436	327
Consumer Non Real Estate Portfolio Segment [Member]
Balance	627	602	576
Charge-offs	(273)	(311)	(346)
Recoveries	64	93	73
Provision for loan losses	226	243	299
Balance	644	627	602
Unallocated Financing Receivables [Member]
Balance	28	48	285
Charge-offs	0	0	0
Recoveries	0	0	0
Provision for loan losses	229	(20)	(237)
Balance	$ 257	$ 28	$ 48

Note 5 - Allowance for Loan L53

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Loans and Allowance for Loan Losses by Evaluation Method (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Individually evaluated for impairment	$ 26	$ 45
Collectively evaluated for impairment	8,274	8,252
Total	8,300	8,297	$ 8,263	$ 8,227
Individually evaluated for impairment	9,173	15,346
Collectively evaluated for impairment	639,373	604,538
Total	648,546	619,884
Real Estate Construction Portfolio Segment[Member]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	438	576
Total	438	576	612	863
Individually evaluated for impairment	270	718
Collectively evaluated for impairment	36,075	47,533
Total	36,345	48,251
Consumer Real Estate Portfolio Segment [Member]
Individually evaluated for impairment	25	22
Collectively evaluated for impairment	1,805	1,844
Total	1,830	1,866	1,662	1,697
Individually evaluated for impairment	877	962
Collectively evaluated for impairment	156,841	142,542
Total	157,718	143,504
Commercial Real Estate Portfolio Segment [Member]
Individually evaluated for impairment	1	23
Collectively evaluated for impairment	3,737	4,086
Total	3,738	4,109	3,537	3,685
Individually evaluated for impairment	7,782	12,575
Collectively evaluated for impairment	328,675	296,803
Total	336,457	309,378
Commercial Non Real Estate Segment [Member]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	1,063	655
Total	1,063	655	1,475	989
Individually evaluated for impairment	241	1,091
Collectively evaluated for impairment	38,783	36,480
Total	39,024	37,571
Public Sector and IDA Portfolio Segment[Member]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	330	436
Total	330	436	327	132
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	45,474	51,335
Total	45,474	51,335
Consumer Non Real Estate Portfolio Segment [Member]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	644	627
Total	644	627	602	576
Individually evaluated for impairment	3	0
Collectively evaluated for impairment	33,525	29,845
Total	33,528	29,845
Unallocated Financing Receivables [Member]
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	257	28
Total	257	28	$ 48	$ 285
Individually evaluated for impairment	0	0
Collectively evaluated for impairment	0	0
Total	$ 0	$ 0

Note 5 - Allowance for Loan L54

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Ratios of Allowance for Loan Losses (Details)	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs	1.28%	1.34%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs	0.26%	0.32%

Note 5 - Allowance for Loan L55

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Nonperforming Assets (Details) - USD ($) $ in Thousands		Dec. 31, 2016		Dec. 31, 2015
Nonperforming assets:
Nonaccrual loans		$ 1,168		$ 2,043
Restructured loans in nonaccrual		4,687		4,639
Total nonperforming loans		5,855	[1]	6,682
Other real estate owned, net		3,156		4,165
Total nonperforming assets		$ 9,011		$ 10,847
Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned		1.38%		1.74%
Ratio of allowance for loan losses to nonperforming loans(1)	[2]	141.76%		124.17%
[1]	Only classes with past-due or nonaccrual loans are shown.
[2]	The Company defines nonperforming loans as total nonaccrual and restructured loans that are nonaccrual. Loans 90 days past due and still accruing and accruing restructured loans are excluded.

Note 5 - Allowance for Loan L56

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Loans Past Due 90 Days or More and Impaired Loans (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2016		Dec. 31, 2015		Dec. 31, 2014	[5]
Loans past due 90 days or more and still accruing		$ 63	[1]	$ 156
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs		0.01%		0.03%
Accruing restructured loans		$ 3,769		$ 8,814
Impaired loans:
Impaired loans with no valuation allowance	[2]	8,269		12,973
Impaired loans with a valuation allowance	[2]	904		2,373
Total impaired loans	[2]	9,173		15,346
Valuation allowance		(26)		(45)
Impaired loans, net of allowance		9,147		15,301
Average recorded investment in impaired loans(1)	[4]	11,585	[3]	17,297	[3]	$ 16,311
Income recognized on impaired loans, after designation as impaired		553		769		$ 473
Amount of income recognized on a cash basis		$ 0		$ 0
[1]	Only classes with past-due or nonaccrual 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.
[4]	Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status.
[5]	Only classes with impaired loans are shown.

Note 5 - Allowance for Loan L57

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Impaired Loans and Associated Reserves (Details) - USD ($) $ in Thousands		Dec. 31, 2016	Dec. 31, 2015
Principal Balance		$ 9,820	$ 15,869
Total Recorded Investment	[1]	9,173	15,346
Impaired loans with no valuation allowance	[1]	8,269	12,973
Impaired loans with a valuation allowance	[1]	904	2,373
Related Allowance		26	45
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member]
Principal Balance	[2]	280	718
Total Recorded Investment	[1],[2]	270	718
Impaired loans with no valuation allowance	[1],[2]	270	718
Impaired loans with a valuation allowance	[1],[2]	0	0
Related Allowance	[2]	0	0
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Principal Balance	[2]	648	713
Total Recorded Investment	[1],[2]	609	669
Impaired loans with no valuation allowance	[1],[2]	267	305
Impaired loans with a valuation allowance	[1],[2]	342	364
Related Allowance	[2]	14	13
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member]
Principal Balance	[2]	195	218
Total Recorded Investment	[1],[2]	195	218
Impaired loans with no valuation allowance	[1],[2]	0	0
Impaired loans with a valuation allowance	[1],[2]	195	218
Related Allowance	[2]	7	5
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Principal Balance	[2]	73	75
Total Recorded Investment	[1],[2]	73	75
Impaired loans with no valuation allowance	[1],[2]	0	0
Impaired loans with a valuation allowance	[1],[2]	73	75
Related Allowance	[2]	4	4
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member]
Principal Balance	[2]	1,364	1,988
Total Recorded Investment	[1],[2]	1,091	1,728
Impaired loans with no valuation allowance	[1],[2]	1,091	1,728
Impaired loans with a valuation allowance	[1],[2]	0	0
Related Allowance	[2]	0	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Principal Balance	[2]	4,005	5,068
Total Recorded Investment	[1],[2]	3,957	5,020
Impaired loans with no valuation allowance	[1],[2]	3,663	3,304
Impaired loans with a valuation allowance	[1],[2]	294	1,716
Related Allowance	[2]	1	23
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Principal Balance	[2]	2,997	5,990
Total Recorded Investment	[1],[2]	2,734	5,827
Impaired loans with no valuation allowance	[1],[2]	2,734	5,827
Impaired loans with a valuation allowance	[1],[2]	0	0
Related Allowance	[2]	0	0
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Principal Balance	[2]	255	1,099
Total Recorded Investment	[1],[2]	241	1,091
Impaired loans with no valuation allowance	[1],[2]	241	1,091
Impaired loans with a valuation allowance	[1],[2]	0	0
Related Allowance	[2]	0	$ 0
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Principal Balance		3
Total Recorded Investment	[1]	3
Impaired loans with no valuation allowance	[1]	3
Impaired loans with a valuation allowance	[1]	0
Related Allowance		$ 0
[1]	Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status.
[2]	Only classes with impaired loans are shown.

Note 5 - Allowance for Loan L58

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Impaired Loans, Average Investment and Interest Income (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2016		Dec. 31, 2015		Dec. 31, 2014
Average recorded investment in impaired loans(1)	[2]	$ 11,585	[1]	$ 17,297	[1]	$ 16,311	[3]
Income recognized on impaired loans, after designation as impaired		553		769		473	[3]
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member]
Average recorded investment in impaired loans(1)	[2],[3]	462		612
Income recognized on impaired loans, after designation as impaired	[3]	10		23
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Average recorded investment in impaired loans(1)	[2],[3]	642		681		555
Income recognized on impaired loans, after designation as impaired	[3]	38		43		31
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member]
Average recorded investment in impaired loans(1)	[2],[3]	207		228		249
Income recognized on impaired loans, after designation as impaired	[3]	13		15		16
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Average recorded investment in impaired loans(1)	[2],[3]	74		76		77
Income recognized on impaired loans, after designation as impaired	[3]	4		5		5
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member]
Average recorded investment in impaired loans(1)	[2],[3]	1,366		2,581		2,773
Income recognized on impaired loans, after designation as impaired	[3]	12		84		0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Average recorded investment in impaired loans(1)	[2],[3]	4,342		6,141		5,836
Income recognized on impaired loans, after designation as impaired	[3]	206		251		203
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Average recorded investment in impaired loans(1)	[2],[3]	3,947		5,888		6,114
Income recognized on impaired loans, after designation as impaired	[3]	263		308		175
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Average recorded investment in impaired loans(1)	[2],[3]	541		1,090		707
Income recognized on impaired loans, after designation as impaired	[3]	7		$ 40		$ 43
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Average recorded investment in impaired loans(1)	[2]	4
Income recognized on impaired loans, after designation as impaired		$ 0
[1]	Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status.
[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.

Note 5 - Allowance for Loan L59

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Past Due and Nonaccrual Loans (Details) - USD ($) $ in Thousands		Dec. 31, 2016		Dec. 31, 2015
Loans past due 90 days or more and still accruing		$ 63	[1]	$ 156
Nonaccruals (including impaired nonaccruals)		5,855	[1]	6,682
Real Estate Construction Portfolio Segment[Member] | Construction Residential [Member]
Loans past due 90 days or more and still accruing		0	[1]	0
Nonaccruals (including impaired nonaccruals)		270	[1]	718
Real Estate Construction Portfolio Segment[Member] | Construction Other [Member]
Loans past due 90 days or more and still accruing		0		0
Nonaccruals (including impaired nonaccruals)		0		0
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member]
Loans past due 90 days or more and still accruing		0	[1]	0
Nonaccruals (including impaired nonaccruals)		0	[1]	0
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Loans past due 90 days or more and still accruing		6	[1]	106
Nonaccruals (including impaired nonaccruals)		0	[1]	14
Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member]
Loans past due 90 days or more and still accruing		36	[1]	39
Nonaccruals (including impaired nonaccruals)		0	[1]	0
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Loans past due 90 days or more and still accruing		0	[1]	0
Nonaccruals (including impaired nonaccruals)		253	[1]	0
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member]
Loans past due 90 days or more and still accruing		0	[1]	0
Nonaccruals (including impaired nonaccruals)		1,091	[1]	1,728
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Loans past due 90 days or more and still accruing		0	[1]	0
Nonaccruals (including impaired nonaccruals)		1,183	[1]	494
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans past due 90 days or more and still accruing		0	[1]	0
Nonaccruals (including impaired nonaccruals)		2,814	[1]	2,845
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Loans past due 90 days or more and still accruing	[1]	0
Nonaccruals (including impaired nonaccruals)	[1]	241
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans past due 90 days or more and still accruing				0
Nonaccruals (including impaired nonaccruals)				883
Public Sector and IDA Portfolio Segment[Member]
Loans past due 90 days or more and still accruing		0		0
Nonaccruals (including impaired nonaccruals)		0		0
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member]
Loans past due 90 days or more and still accruing		5	[1]	6
Nonaccruals (including impaired nonaccruals)		0	[1]	0
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due 90 days or more and still accruing		12	[1]	5
Nonaccruals (including impaired nonaccruals)		3	[1]	0
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due 90 days or more and still accruing		4	[1]	0
Nonaccruals (including impaired nonaccruals)		0	[1]	0
Financing Receivables 30 to 89 Days Past Due [Member]
Past due loans		2,553	[1]	2,992
Financing Receivables 30 to 89 Days Past Due [Member] | Real Estate Construction Portfolio Segment[Member] | Construction Residential [Member]
Past due loans		0	[1]	0
Financing Receivables 30 to 89 Days Past Due [Member] | Real Estate Construction Portfolio Segment[Member] | Construction Other [Member]
Past due loans		25		26
Financing Receivables 30 to 89 Days Past Due [Member] | Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member]
Past due loans		10	[1]	16
Financing Receivables 30 to 89 Days Past Due [Member] | Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Past due loans		1,498	[1]	1,402
Financing Receivables 30 to 89 Days Past Due [Member] | Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member]
Past due loans		114	[1]	123
Financing Receivables 30 to 89 Days Past Due [Member] | Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Past due loans		56	[1]	248
Financing Receivables 30 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member]
Past due loans		132	[1]	684
Financing Receivables 30 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Past due loans		339	[1]	0
Financing Receivables 30 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Past due loans		0	[1]	0
Financing Receivables 30 to 89 Days Past Due [Member] | Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Past due loans	[1]	6
Financing Receivables 30 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Past due loans				142
Financing Receivables 30 to 89 Days Past Due [Member] | Public Sector and IDA Portfolio Segment[Member]
Past due loans		0		0
Financing Receivables 30 to 89 Days Past Due [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member]
Past due loans		8	[1]	5
Financing Receivables 30 to 89 Days Past Due [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Past due loans		234	[1]	286
Financing Receivables 30 to 89 Days Past Due [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member]
Past due loans		131	[1]	60
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past due loans		1,888	[1]	3,124
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Real Estate Construction Portfolio Segment[Member] | Construction Residential [Member]
Past due loans		0	[1]	0
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Real Estate Construction Portfolio Segment[Member] | Construction Other [Member]
Past due loans		0		0
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member]
Past due loans		0	[1]	0
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Past due loans		6	[1]	106
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Consumer Real Estate Portfolio Segment [Member] | Closed End Junior Liens [Member]
Past due loans		36	[1]	39
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Past due loans		234	[1]	0
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member]
Past due loans		1,091	[1]	1,728
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Past due loans		202	[1]	357
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Past due loans		80	[1]	0
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Past due loans	[1]	218
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Past due loans				883
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Public Sector and IDA Portfolio Segment[Member]
Past due loans		0		0
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member]
Past due loans		5	[1]	6
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Past due loans		12	[1]	5
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member]
Past due loans		$ 4	[1]	$ 0
[1]	Only classes with past-due or nonaccrual loans are shown.

Note 5 - Allowance for Loan L60

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Loans by Credit Quality Indicator (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Non-impaired gross loans	$ 639,373	$ 604,538
Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans	36,075	47,533
Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	156,841	142,542
Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	328,675	296,803
Commercial Non Real Estate Segment [Member]
Non-impaired gross loans	38,783	36,480
Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	33,525	29,845
Pass [Member]
Non-impaired gross loans	622,802	592,323
Pass [Member] | States Political Subdivisions [Member]
Non-impaired gross loans	45,474	51,335
Special Mention [Member]
Non-impaired gross loans	13,519	6,144
Special Mention [Member] | States Political Subdivisions [Member]
Non-impaired gross loans	0	0
Classified Excluding Impaired [Member]
Non-impaired gross loans	3,052	6,071
Classified Excluding Impaired [Member] | States Political Subdivisions [Member]
Non-impaired gross loans	0	0
Construction, 1-4 Family Residential [Member] | Pass [Member] | Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans	11,635	10,626
Construction, 1-4 Family Residential [Member] | Special Mention [Member] | Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans	3,468	3,694
Construction, 1-4 Family Residential [Member] | Classified Excluding Impaired [Member] | Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans	0	0
Construction Other [Member] | Pass [Member] | Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans	20,972	33,213
Construction Other [Member] | Special Mention [Member] | Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans	0	0
Construction Other [Member] | Classified Excluding Impaired [Member] | Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans	0	0
Equity Lines [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	17,034	16,236
Equity Lines [Member] | Special Mention [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	82	15
Equity Lines [Member] | Classified Excluding Impaired [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans		87
Closed End First Liens [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	83,658	78,614
Closed End First Liens [Member] | Special Mention [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	1,267	708
Closed End First Liens [Member] | Classified Excluding Impaired [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	580	1,370
Closed End Junior Liens [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	4,861	4,983
Closed End Junior Liens [Member] | Special Mention [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	15	55
Closed End Junior Liens [Member] | Classified Excluding Impaired [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	151	61
Investor Owned Residential Real Estate [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	48,277	39,616
Investor Owned Residential Real Estate [Member] | Special Mention [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	333	31
Investor Owned Residential Real Estate [Member] | Classified Excluding Impaired [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	583	766
Multifamily Real Estate [Member] | Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	99,002	77,060
Multifamily Real Estate [Member] | Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	1,733	0
Multifamily Real Estate [Member] | Classified Excluding Impaired [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans		1,804
Commercial Real Estate, Owner Occupied [Member] | Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	120,170	121,741
Commercial Real Estate, Owner Occupied [Member] | Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	1,188	1,165
Commercial Real Estate, Owner Occupied [Member] | Classified Excluding Impaired [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	1,425	1,274
Commercial Real Estate Other [Member] | Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	103,534	93,701
Commercial Real Estate Other [Member] | Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	1,543	58
Commercial Real Estate Other [Member] | Classified Excluding Impaired [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	80	0
Commercial and Industrial [Member] | Pass [Member] | Commercial Non Real Estate Segment [Member]
Non-impaired gross loans	35,521	35,652
Commercial and Industrial [Member] | Special Mention [Member] | Commercial Non Real Estate Segment [Member]
Non-impaired gross loans	3,229	285
Commercial and Industrial [Member] | Classified Excluding Impaired [Member] | Commercial Non Real Estate Segment [Member]
Non-impaired gross loans	33	543
Credit Card Receivable [Member] | Pass [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	5,978	5,773
Credit Card Receivable [Member] | Special Mention [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	0	0
Credit Card Receivable [Member] | Classified Excluding Impaired [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	0	0
Automobile Loan [Member] | Pass [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	14,457	12,414
Automobile Loan [Member] | Special Mention [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	25	102
Automobile Loan [Member] | Classified Excluding Impaired [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	192	138
Other Consumer Loans [Member] | Pass [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	12,229	11,359
Other Consumer Loans [Member] | Special Mention [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	636	31
Other Consumer Loans [Member] | Classified Excluding Impaired [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	$ 8	$ 28

Note 5 - Allowance for Loan L61

Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details) $ in Thousands		12 Months Ended
		Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)	Dec. 31, 2014USD ($)
Number of contracts		4	6	5
Pre-modification outstanding principal balance		$ 3,042	$ 3,628	$ 5,761
Post-modification outstanding principal balance	[1]	$ 3,043	$ 3,541	$ 5,843
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Number of contracts		2		2
Pre-modification outstanding principal balance		$ 3,008		$ 2,967
Post-modification outstanding principal balance	[1]	$ 3,008		$ 3,008
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Number of contracts			3	1
Pre-modification outstanding principal balance			$ 2,710	$ 184
Post-modification outstanding principal balance	[1]		$ 2,623	$ 208
Commercial Real Estate Portfolio Segment [Member] | Multifamily Real Estate [Member]
Number of contracts				1
Pre-modification outstanding principal balance				$ 2,484
Post-modification outstanding principal balance	[1]			$ 2,484
Real Estate Construction Portfolio Segment[Member] | Construction, 1-4 Family Residential [Member]
Number of contracts			2
Pre-modification outstanding principal balance			$ 718
Post-modification outstanding principal balance	[1]		$ 718
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Number of contracts				1
Pre-modification outstanding principal balance				$ 126
Post-modification outstanding principal balance	[1]			$ 143
Commercial Non Real Estate Segment [Member]
Number of contracts		1
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Number of contracts		1	1
Pre-modification outstanding principal balance		$ 29	$ 200
Post-modification outstanding principal balance	[1]	$ 30	$ 200
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Number of contracts		1
Pre-modification outstanding principal balance		$ 5
Post-modification outstanding principal balance	[1]	$ 5
[1]	Post-modification outstanding recorded investment considers amounts immediately following the modification. Amounts do not reflect balances at the end of the period.

Note 6 - Premises and Equipme62

Note 6 - Premises and Equipment (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Depreciation	$ 801	$ 749	$ 732
Operating Leases, Future Minimum Payments Due, Next Twelve Months	292
Operating Leases, Future Minimum Payments, Due in Two Years	292
Operating Leases, Future Minimum Payments, Due in Three Years	233
Operating Leases, Future Minimum Payments, Due in Four Years	56
Operating Leases, Future Minimum Payments, Due in Five Years	34
Operating Leases, Future Minimum Payments, Due Thereafter	$ 164

Note 6 - Premises and Equipme63

Note 6 - Premises and Equipment - Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Premises and Equipment	$ 17,606	$ 19,697
Accumulated depreciation	(8,753)	(10,677)
Premises and equipment, net	8,853	9,020
Building [Member]
Premises and Equipment	12,554	13,097
Furniture and Fixtures [Member]
Premises and Equipment	$ 5,052	$ 6,600

Note 7 - Deposits (Details Text

Note 7 - Deposits (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Time Deposits, at or Above FDIC Insurance Limit	$ 15,797	$ 21,072
Deposit Liabilities Reclassified as Loans Receivable	$ 417	$ 307

Note 7 - Deposits - Maturities

Note 7 - Deposits - Maturities of Time Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
2,017	$ 88,623
2,018	51,347
2,019	7,245
2,020	8,168
2,021	12,394
Thereafter	1,664
Total time deposits	$ 169,441	$ 192,383

Note 8 - Employee Benefit Pla66

Note 8 - Employee Benefit Plans (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Defined Contribution Plan, Maximum Annual Contributions Per Employee, Percent	100.00%
Defined Contribution Plan, Employer Discretionary Contribution Amount	$ 315	$ 294	$ 273
Age Attained to be Eligible for ESOP	21 years
Employee Stock Ownership Plan (ESOP), Cash Contributions to ESOP	$ 150	200	100
Employee Stock Ownership Plan (ESOP), Number of Allocated Shares	249,256
Age of Employees Required to Diversify Allocated ESOP Shares	55 years
Years of Plan Participation Required to Diversify Allocated ESOP Shares	10 years
Percentage of Allocated ESOP Shares That Can be Diversified	50.00%
Accrued Expenses for Salary Continuation Plan	$ 242	$ 396	$ 246
Equity Securities [Member]
Defined Benefit Plan, Target Plan Asset Allocations	65.00%
Fixed Income Securities [Member]
Defined Benefit Plan, Target Plan Asset Allocations	35.00%
Hedge Funds [Member]
Defined Benefit Plan, Target Plan Asset Allocations	0.00%
Private Equity Funds [Member]
Defined Benefit Plan, Target Plan Asset Allocations	0.00%
Real Estate [Member]
Defined Benefit Plan, Target Plan Asset Allocations	0.00%

Note 8 - Employee Benefit Pla67

Note 8 - Employee Benefit Plans - Defined Benefit Plan Activity (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Fair value of plan assets at beginning of year	$ 16,131
Fair value of plan assets at end of year	17,038	$ 16,131
Amortization of prior service cost	72	72	$ 71
Pension Plan [Member]
Projected benefit obligation at beginning of year	20,427	19,324	17,185
Service cost	694	620	524
Interest cost	757	669	663
Actuarial loss	198	798	1,674
Benefits paid	(1,017)	(984)	(722)
Projected benefit obligation at end of year	21,059	20,427	19,324
Fair value of plan assets at beginning of year	16,131	17,130	16,605
Actual return on plan assets	1,113	(155)	884
Employer contribution	811	140	363
Fair value of plan assets at end of year	17,038	16,131	17,130
Funded status at the end of the year	(4,021)	(4,296)	(2,194)
Deferred tax asset	1,407	1,504	768
Other liabilities	(4,021)	(4,296)	(2,194)
Total amounts recognized in the Consolidated Balance Sheet	(2,614)	(2,792)	(1,426)
Net loss	(8,250)	(8,627)	(6,922)
Prior service cost	449	559	669
Deferred tax asset	2,730	2,798	2,163
Amount recognized	(5,071)	(5,270)	(4,090)
Benefit obligation	(21,059)	(20,427)	(19,324)
Fair value of assets	17,038	16,131	17,130
Unrecognized net actuarial loss	8,250	8,627	6,922
Unrecognized prior service cost	(449)	(559)	(669)
Deferred tax liability	(1,323)	(1,294)	(1,395)
Prepaid benefit cost included in other assets	2,457	2,478	2,664
Expected return on plan assets	(1,110)	(1,166)	(1,112)
Amortization of prior service cost	(110)	(110)	(110)
Recognized net actuarial loss	572	414	262
Net periodic benefit cost	803	427	227
Net (gain) loss	(377)	1,705	1,640
Amortization of prior service cost	110	110	110
Deferred income tax expense (benefit)	93	(635)	(612)
Total recognized	(174)	1,180	1,138
Total recognized in net periodic benefit cost and other comprehensive loss	$ 536	$ 2,242	$ 1,977
Discount rate used for net periodic pension cost	4.00%	3.75%	4.50%
Discount rate used for disclosure	4.00%	4.00%	3.75%
Expected return on plan assets	7.50%	7.50%	7.50%
Rate of compensation increase	3.00%	3.00%	3.00%

Note 8 - Employee Benefit Pla68

Note 8 - Employee Benefit Plans - Fair Value Measurements (Details) - USD ($) $ in Thousands		Dec. 31, 2016	Dec. 31, 2015
Fair value, plan assets		$ 17,038	$ 16,131
Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets		10,484	11,075
Fair Value, Inputs, Level 2 [Member]
Fair value, plan assets		6,554	5,056
Fair Value, Inputs, Level 3 [Member]
Fair value, plan assets		0	0
Cash [Member]
Fair value, plan assets		207	876
Cash [Member] | Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets		207	876
Cash [Member] | Fair Value, Inputs, Level 2 [Member]
Fair value, plan assets		0	0
Cash [Member] | Fair Value, Inputs, Level 3 [Member]
Fair value, plan assets		0	0
Equity Securities US Companies [Member]
Fair value, plan assets		9,195	9,600
Equity Securities US Companies [Member] | Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets		9,195	9,600
Equity Securities US Companies [Member] | Fair Value, Inputs, Level 2 [Member]
Fair value, plan assets		0	0
Equity Securities US Companies [Member] | Fair Value, Inputs, Level 3 [Member]
Fair value, plan assets		0	0
Equity Securities International Companies [Member]
Fair value, plan assets		116	404
Equity Securities International Companies [Member] | Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets		116	404
Equity Securities International Companies [Member] | Fair Value, Inputs, Level 2 [Member]
Fair value, plan assets		0	0
Equity Securities International Companies [Member] | Fair Value, Inputs, Level 3 [Member]
Fair value, plan assets		0	0
Equity Funds [Member]
Fair value, plan assets	[1]	966	195
Equity Funds [Member] | Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets	[1]	966	195
Equity Funds [Member] | Fair Value, Inputs, Level 2 [Member]
Fair value, plan assets	[1]	0	0
Equity Funds [Member] | Fair Value, Inputs, Level 3 [Member]
Fair value, plan assets	[1]	0	0
US Government Corporations and Agencies Securities [Member]
Fair value, plan assets		53	104
US Government Corporations and Agencies Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets		0	0
US Government Corporations and Agencies Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair value, plan assets		53	104
US Government Corporations and Agencies Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Fair value, plan assets		0	0
US States and Political Subdivisions Debt Securities [Member]
Fair value, plan assets		230	233
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Fair value, plan assets		0	0
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Fair value, plan assets		230	233
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Fair value, plan assets		0	0
Corporate Debt Securities [Member] | External Credit Rating, Investment Grade [Member]
Fair value, plan assets	[2]	6,271	4,719
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member] | External Credit Rating, Investment Grade [Member]
Fair value, plan assets	[2]	0	0
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member] | External Credit Rating, Investment Grade [Member]
Fair value, plan assets	[2]	6,271	4,719
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member] | External Credit Rating, Investment Grade [Member]
Fair value, plan assets	[2]	$ 0	$ 0
[1]	This category comprises actively managed equity funds invested in large-cap and mid-cap U.S. companies.
[2]	This category represents investment grade bonds of U.S. issuers from diverse industries.

Note 8 - Employee Benefit Pla69

Note 8 - Employee Benefit Plans - Expected Future Benefit Payments (Details) $ in Thousands	Dec. 31, 2016USD ($)
2,017	$ 5,666
2,018	1,067
2,019	786
2,020	1,350
2,021	472
2022-2026	$ 4,833

Note 9 - Stock Option Plan (Det

Note 9 - Stock Option Plan (Details Textual) - Stock Option Plan 1999 [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period	0	7,500	2,500
Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period, Intrinsic Value		$ 54	$ 15
Employee Service Share-based Compensation, Tax Benefit from Compensation Expense	$ 0	$ 0

Note 10 - Income Taxes (Details

Note 10 - Income Taxes (Details Textual)	12 Months Ended
	Dec. 31, 2016
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	35.00%

Note 10 - Income Taxes - Alloca

Note 10 - Income Taxes - Allocation of Income Tax Expense (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Current	$ 3,934	$ 4,730	$ 5,105
Deferred income tax expense	18	10	73
Total income tax expense	$ 3,952	$ 4,740	$ 5,178

Note 10 - Income Taxes - The Co

Note 10 - Income Taxes - The Components of Net Deferred Tax Assets (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Computed “expected” income tax expense	$ 6,613	$ 7,201	$ 7,732
Tax-exempt interest income	(2,234)	(2,381)	(2,422)
Nondeductible interest expense	92	101	102
Other, net	(519)	(181)	(234)
Total income tax expense	$ 3,952	$ 4,740	$ 5,178

Note 10 - Income Taxes - The 74

Note 10 - Income Taxes - The Components of Net Deferred Tax Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Deferred tax assets:
Allowance for loan losses and unearned fee income	$ 3,347	$ 3,229
Valuation allowance on other real estate owned	237	188
Defined benefit plan	2,730	2,798
Deferred compensation and other liabilities	1,336	1,334
Discount accretion of securities	15	19
Net unrealized loss on securities available for sale	1,932	1,436
Total deferred tax assets	9,597	9,004
Deferred tax liabilities:
Fixed assets	(620)	(620)
Deposit intangibles	(1,573)	(1,432)
Defined benefit plan, prepaid portion	(1,345)	(1,303)
Total deferred tax liabilities	(3,538)	(3,355)
Net deferred tax assets	$ 6,059	$ 5,649

Note 11 - Restrictions on Div75

Note 11 - Restrictions on Dividends (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Proceeds from Dividends Received	$ 9,071	$ 7,930	$ 7,853
Payments of Dividends	$ 8,071	$ 7,930	$ 7,853
Period of Restriction on Retained Net Income Without Prior Approval	2 years
Statutory Accounting Practices, Statutory Amount Available for Dividend Payments without Regulatory Approval	$ 23,890
National Bankshares Financial Services [Member]
Payments of Dividends	$ 350

Note 12 - Minimum Regulatory 76

Note 12 - Minimum Regulatory Capital Requirement (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Risk Weighted Assets	$ 718,739	$ 721,012
National Bank of Blacksburg [Member]
Risk Weighted Assets	$ 715,294	$ 719,077

Note 12 - Minimum Regulatory 77

Note 12 - Minimum Regulatory Capital Requirement - Minimum Capital Requirements (Details) - USD ($) $ in Thousands	Dec. 31, 2016		Dec. 31, 2015
Total capital (to risk weighted assets), actual, amount	$ 191,006		$ 184,054
Total capital (to risk weighted assets), actual, ratio	26.575%		25.527%
Total capital (to risk weighted assets), minimum capital requirement, amount	$ 57,499	[1]	$ 57,681
Total capital (to risk weighted assets), minimum capital requirement, ratio	8.625%	[1]	8.00%
Total capital (to risk weighted assets), minimum to be well capitalized, amount
Total capital (to risk weighted assets), minimum to be well capitalized, ratio
Tier 1 capital (to risk weighted assets), actual, amount	$ 182,706		$ 175,757
Tier 1 capital (to risk weighted assets), actual, ratio	25.42%		24.376%
Tier 1 capital (to risk weighted assets), minimum capital requirement, amount	$ 43,124	[1]	$ 43,261
Tier 1 capital (to risk weighted assets), minimum capital requirement, ratio	6.625%	[1]	6.00%
Tier 1 capital (to risk weighted assets), minimum to be well capitalized, amount
Tier 1 capital (to risk weighted assets), minimum to be well capitalized, ratio
Common equity tier 1 capital (to risk weighted assets), actual, amount	$ 182,706		$ 175,757
Common equity tier 1 capital (to risk weighted assets), actual, ratio	25.42%		24.376%
Common equity tier 1 capital (to risk weighted assets), minimum capital requirement, amount	$ 32,343	[1]	$ 32,446
Common equity tier 1 capital (to risk weighted assets), minimum capital requirement, ratio	5.125%	[1]	4.50%
Common equity tier 1 capital (to risk weighted assets), minimum to be well capitalized, amount
Common equity tier 1 capital (to risk weighted assets), minimum to be well capitalized, ratio
Tier 1 capital (to average assets), actual, amount	$ 182,706		$ 175,757
Tier 1 capital (to average assets), actual, ratio	15.121%		15.088%
Tier 1 capital (to average assets), minimum capital requirement, amount	$ 48,333	[1]	$ 46,594
Tier 1 capital (to average assets), minimum capital requirement, ratio	4.00%	[1]	4.00%
Tier 1 capital (to average assets), minimum to be well capitalized, amount
Tier 1 capital (to average assets), minimum to be well capitalized, ratio
National Bank of Blacksburg [Member]
Total capital (to risk weighted assets), actual, amount	$ 188,095		$ 181,926
Total capital (to risk weighted assets), actual, ratio	26.296%		25.30%
Total capital (to risk weighted assets), minimum capital requirement, amount	$ 57,224	[1]	$ 57,526
Total capital (to risk weighted assets), minimum capital requirement, ratio	8.625%	[1]	8.00%
Total capital (to risk weighted assets), minimum to be well capitalized, amount	$ 71,529		$ 71,908
Total capital (to risk weighted assets), minimum to be well capitalized, ratio	10.00%		10.00%
Tier 1 capital (to risk weighted assets), actual, amount	$ 179,795		$ 173,629
Tier 1 capital (to risk weighted assets), actual, ratio	25.136%		24.146%
Tier 1 capital (to risk weighted assets), minimum capital requirement, amount	$ 42,918	[1]	$ 43,145
Tier 1 capital (to risk weighted assets), minimum capital requirement, ratio	6.625%	[1]	6.00%
Tier 1 capital (to risk weighted assets), minimum to be well capitalized, amount	$ 57,224		$ 57,526
Tier 1 capital (to risk weighted assets), minimum to be well capitalized, ratio	8.00%		8.00%
Common equity tier 1 capital (to risk weighted assets), actual, amount	$ 179,795		$ 173,629
Common equity tier 1 capital (to risk weighted assets), actual, ratio	25.136%		24.146%
Common equity tier 1 capital (to risk weighted assets), minimum capital requirement, amount	$ 32,188	[1]	$ 32,358
Common equity tier 1 capital (to risk weighted assets), minimum capital requirement, ratio	5.125%	[1]	4.50%
Common equity tier 1 capital (to risk weighted assets), minimum to be well capitalized, amount	$ 46,494		$ 46,740
Common equity tier 1 capital (to risk weighted assets), minimum to be well capitalized, ratio	6.50%		6.50%
Tier 1 capital (to average assets), actual, amount	$ 179,795		$ 173,629
Tier 1 capital (to average assets), actual, ratio	14.964%		14.888%
Tier 1 capital (to average assets), minimum capital requirement, amount	$ 48,060	[1]	$ 46,648
Tier 1 capital (to average assets), minimum capital requirement, ratio	4.00%	[1]	4.00%
Tier 1 capital (to average assets), minimum to be well capitalized, amount	$ 60,075		$ 58,310
Tier 1 capital (to average assets), minimum to be well capitalized, ratio	5.00%		5.00%
[1]	Except with regard to the Company's and the Bank's Tier 1 capital to average assets ratio, the minimum capital requirement includes the current phased-in portion of the Basel III Capital Rules capital conservation buffer (0.625%) which is added to the minimum capital requirements for capital adequacy purposes. The capital conservation buffer is being phased in through four equal annual installments of 0.625% from 2016 to 2019, with full implementation in January 2019 (2.5%). The Company's and the Bank's capital conservation buffer must consist of additional CET1 above regulatory minimum requirement. Failure to maintain the prescribed levels would result in limitations on capital distributions and discretionary bonuses to executives.

Note 13 - Condensed Financial78

Note 13 - Condensed Financial Statements of Parent Company - Condensed Balance Sheets (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Assets
Cash and due from banks	$ 13,974	$ 12,152	$ 12,894	$ 13,283
Interest-bearing deposits	80,268	130,811
Securities available for sale, at fair value	304,282	236,131
Securities held to maturity (fair value approximates $449 at December 31, 2015)	134,957	152,028
Other assets	13,128	12,344
Total assets	1,233,942	1,203,519
Liabilities and Stockholders’ Equity
Other liabilities	12,182	12,490
Stockholders’ equity	178,263	172,114	$ 166,303	$ 145,892
Total liabilities and stockholders’ equity	1,233,942	1,203,519
Parent Company [Member]
Assets
Cash and due from banks	74	19
Interest-bearing deposits	1,310	170
Securities available for sale, at fair value	163	127
Securities held to maturity (fair value approximates $449 at December 31, 2015)	0	451
Investments in subsidiaries, at equity	177,150	172,017
Refundable income taxes	22	0
Other assets	561	575
Total assets	179,280	173,359
Liabilities and Stockholders’ Equity
Other liabilities	1,017	1,245
Stockholders’ equity	178,263	172,114
Total liabilities and stockholders’ equity	$ 179,280	$ 173,359

Note 13 - Condensed Financial79

Note 13 - Condensed Financial Statements of Parent Company - Condensed Balance Sheets (Details) (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Securities held to maturity, fair value	$ 137,692	$ 158,032
Parent Company [Member]
Securities held to maturity, fair value		$ 449

Note 13 - Condensed Financial80

Note 13 - Condensed Financial Statements of Parent Company - Condensed Statements of Income (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Income
Interest on securities – nontaxable	$ 5,123	$ 5,438	$ 5,826
Other income	1,289	1,295	1,037
Expenses
Income before income tax benefit and equity in undistributed net income of subsidiaries	18,894	20,573	22,092
Applicable income tax benefit	3,952	4,740	5,178
Net income	14,942	15,833	16,914
Parent Company [Member]
Income
Dividends from subsidiaries	9,421	7,930	7,853
Interest on securities – taxable	2	3	2
Interest on securities – nontaxable	0	0	1
Other income	987	1,208	1,250
Total income	10,410	9,141	9,106
Expenses
Other expenses	1,992	2,051	2,046
Income before income tax benefit and equity in undistributed net income of subsidiaries	8,418	7,090	7,060
Applicable income tax benefit	628	210	136
Income before equity in undistributed net income of subsidiaries	9,046	7,300	7,196
Equity in undistributed net income of subsidiaries	5,896	8,533	9,718
Net income	$ 14,942	$ 15,833	$ 16,914

Note 13 - Condensed Financial81

Note 13 - Condensed Financial Statements of Parent Company - Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Cash Flows from Operating Activities
Net income	$ 14,942	$ 15,833	$ 16,914
Adjustment to reconcile net income to net cash provided by operating activities:
Amortization of premiums and accretion of discounts, net	89	117	138
Depreciation of premises and equipment	801	749	732
Loss on disposal of fixed assets		15	94
Other assets	(373)	420	(574)
Net change in other liabilities	(41)	963	(428)
Net cash provided by operating activities	17,533	20,529	20,338
Cash Flows from Investing Activities
Net change in interest-bearing deposits	50,543	(28,263)	(4,482)
Purchases of securities held to maturity			(6,381)
Proceeds from calls and maturities of securities available for sale	220,581	64,556	11,088
Proceeds from calls and maturities of securities held to maturity	16,945	9,205	8,677
Proceeds from sale of premises and equipment			453
Net cash used in investing activities	(32,223)	(49,945)	(35,324)
Cash Flows from Financing Activities
Cash dividends paid	(8,071)	(7,930)	(7,853)
Stock options exercised		173	58
Net cash provided by financing activities	16,512	28,674	14,597
Net change in cash	1,822	(742)	(389)
Parent Company [Member]
Cash Flows from Operating Activities
Net income	14,942	15,833	16,914
Adjustment to reconcile net income to net cash provided by operating activities:
Equity in undistributed net income of subsidiaries	(5,896)	(8,533)	(9,718)
Amortization of premiums and accretion of discounts, net	1	1	1
Depreciation of premises and equipment	0	3	9
Loss on disposal of fixed assets	0	2	94
Net change in refundable income taxes due from subsidiaries	(223)	106	96
Other assets	219	(81)	(63)
Net change in other liabilities	(227)	128	(33)
Net cash provided by operating activities	8,816	7,459	7,300
Cash Flows from Investing Activities
Net change in interest-bearing deposits	(1,140)	307	213
Purchases of securities held to maturity	0	0	(453)
Proceeds from calls and maturities of securities available for sale	0	0	455
Proceeds from calls and maturities of securities held to maturity	450	0	0
Proceeds from sale of premises and equipment	0	0	263
Net cash used in investing activities	(690)	307	478
Cash Flows from Financing Activities
Cash dividends paid	(8,071)	(7,930)	(7,853)
Stock options exercised	0	173	58
Net cash provided by financing activities	(8,071)	(7,757)	(7,795)
Net change in cash	55	9	17
Cash due from subsidiaries at beginning of year	19	10	27
Cash due from subsidiaries at end of year	$ 74	$ 19	$ 10

Note 14 - Financial Instrumen82

Note 14 - Financial Instruments with Off-Balance Sheet Risk (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Payments for Origination of Mortgage Loans Held-for-sale	$ 17,090	$ 17,641	$ 9,104
Proceeds from Sale of Mortgage Loans Held-for-sale	$ 17,526	17,571	$ 10,248
Potential Default Period After Sale of Loans to Investor	1 year
Loans Receivable Held-for-sale, Net, Not Part of Disposal Group, Mortgage	$ 478	$ 634
Cash, Uninsured Amount	1
Interest Rate Lock Commitments [Member]
Other Commitment	$ 528

Note 14 - Financial Instrumen83

Note 14 - Financial Instruments with Off-Balance Sheet Risk - Financial Instruments Outstanding Representing Credit Risk (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Commitments to Extend Credit [Member]
Off balance sheet liability, amount	$ 130,252	$ 125,934
Standby Letters of Credit 1 [Member]
Off balance sheet liability, amount	20,499	15,248
Interest Rate Lock Commitments [Member]
Off balance sheet liability, amount	$ 17,526	$ 17,571

Note 15 - Concentrations of C84

Note 15 - Concentrations of Credit Risk (Details Textual) - Credit Concentration Risk [Member] - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015
Commercial Real Estate Loans [Member]
Concentration Risk, Percentage	52.00%	50.00%
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 336,457	$ 309,378
College Housing and Professional Office Buildings [Member]
Concentration Risk, Percentage	36.00%	32.00%
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 236,552	$ 200,521
Residential [Member]
Concentration Risk, Percentage	24.00%	23.00%
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 157,718	$ 143,504

Note 16 - Fair Value Measurem85

Note 16 - Fair Value Measurements (Details Textual) - USD ($)	12 Months Ended
	Dec. 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 16 - Fair Value Measurem86

Note 16 - Fair Value Measurements - Assets and Liabilities at Fair Value on Recurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Securities available for sale, at fair value	$ 304,282	$ 236,131
Fair Value, Inputs, Level 1 [Member]
Securities available for sale, at fair value	0	0
Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	304,282	236,131
Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value	0	0
US Government Agencies Debt Securities [Member]
Securities available for sale, at fair value	285,598	212,464
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale, at fair value	0	0
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	285,598	212,464
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value	0	0
US States and Political Subdivisions Debt Securities [Member]
Securities available for sale, at fair value	11,693	16,475
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale, at fair value	0	0
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	11,693	16,475
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value	0	0
Collateralized Mortgage Backed Securities [Member]
Securities available for sale, at fair value	930	1,319
Collateralized Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale, at fair value	0	0
Collateralized Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	930	1,319
Collateralized Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value	0	0
Corporate Debt Securities [Member]
Securities available for sale, at fair value	5,898	5,746
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale, at fair value	0	0
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	5,898	5,746
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value	0	0
Other Securities [Member]
Securities available for sale, at fair value	163	127
Other Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale, at fair value	0	0
Other Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	163	127
Other Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale, at fair value	$ 0	$ 0

Note 16 - Fair Value Measurem87

Note 16 - Fair Value Measurements - Impaired Loans and Other Real Estate Owned Measured at Fair Value on Nonrecurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Impaired loans net of valuation allowance	$ 878	$ 2,328
Other real estate owned net of valuation allowance	3,156	4,165
Fair Value, Inputs, Level 1 [Member]
Impaired loans net of valuation allowance	0	0
Other real estate owned net of valuation allowance	0	0
Fair Value, Inputs, Level 2 [Member]
Impaired loans net of valuation allowance	0	0
Other real estate owned net of valuation allowance	0	0
Fair Value, Inputs, Level 3 [Member]
Impaired loans net of valuation allowance	878	2,328
Other real estate owned net of valuation allowance	$ 3,156	$ 4,165

Note 16 - Fair Value Measurem88

Note 16 - Fair Value Measurements - Level 3 Fair Value Measurements (Details)		12 Months Ended
		Dec. 31, 2016	Dec. 31, 2015
Impaired loans [Member] | Present Value of Cash Flows [Member] | Minimum [Member]
Discount rate		6.75%	6.00%
Impaired loans [Member] | Present Value of Cash Flows [Member] | Maximum [Member]
Discount rate		8.00%	7.38%
Impaired loans [Member] | Present Value of Cash Flows [Member] | Weighted Average [Member]
Discount rate		7.35%	6.56%
Other Real Estate Owned [Member] | Discounted Appraised Value [Member] | Minimum [Member]
Discount rate		0.00%	0.00%
Selling cost	[1]	2.91%	0.00%
Other Real Estate Owned [Member] | Discounted Appraised Value [Member] | Maximum [Member]
Discount rate		53.46%	50.01%
Selling cost		8.60%	10.00%
Other Real Estate Owned [Member] | Discounted Appraised Value [Member] | Weighted Average [Member]
Discount rate		13.66%	10.16%
Selling cost		6.48%	5.89%
[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 16 - Fair Value Measurem89

Note 16 - Fair Value Measurements - Estimated Fair Values and Related Carrying Amounts of Financial Instruments (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Reported Value Measurement [Member]
Financial assets:
Cash and due from banks	$ 13,974	$ 12,152
Interest-bearing deposits	80,268	130,811
Securities	439,239	388,159
Restricted securities	1,170	1,129
Mortgage loans held for sale	478	634
Loans, net	639,452	610,711
Accrued interest receivable	5,260	5,769
Bank-owned life insurance	22,998	22,401
Financial liabilities:
Deposits	1,043,442	1,018,859
Accrued interest payable	55	56
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Financial assets:
Cash and due from banks	13,974	12,152
Interest-bearing deposits	80,268	130,811
Securities	0	0
Restricted securities	0	0
Mortgage loans held for sale	0	0
Loans, net	0	0
Accrued interest receivable	0	0
Bank-owned life insurance	0	0
Financial liabilities:
Deposits	0	0
Accrued interest payable	0	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Financial assets:
Cash and due from banks	0	0
Interest-bearing deposits	0	0
Securities	441,974	394,163
Restricted securities	1,170	1,129
Mortgage loans held for sale	478	634
Loans, net	0	0
Accrued interest receivable	5,260	5,769
Bank-owned life insurance	22,998	22,401
Financial liabilities:
Deposits	874,001	826,476
Accrued interest payable	55	56
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Financial assets:
Cash and due from banks	0	0
Interest-bearing deposits	0	0
Securities	0	0
Restricted securities	0	0
Mortgage loans held for sale	0	0
Loans, net	658,386	621,590
Accrued interest receivable	0	0
Bank-owned life insurance	0	0
Financial liabilities:
Deposits	166,946	193,912
Accrued interest payable	$ 0	$ 0

Note 17 - Components of Accum90

Note 17 - Components of Accumulated Other Comprehensive Income (Loss) - Components of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Balance	$ (7,937)	$ (5,672)	$ (16,964)
Unrealized holding loss on available for sale securities, net of tax	(800)	(1,064)	12,430
Reclassification adjustment, net of tax	(121)	(21)	(1)
Net pension loss arising during the period, net of tax	271	(1,108)	(1,066)
Less amortization of prior service cost included in net periodic pension cost, net of tax	(72)	(72)	(71)
Balance	(8,659)	(7,937)	(5,672)
Accumulated Net Investment Gain (Loss) Attributable to Parent [Member]
Balance	(2,667)	(1,582)	(14,011)
Unrealized holding loss on available for sale securities, net of tax	(800)	(1,064)	12,430
Reclassification adjustment, net of tax	(121)	(21)	(1)
Net pension loss arising during the period, net of tax	0	0	0
Less amortization of prior service cost included in net periodic pension cost, net of tax	0	0	0
Balance	(3,588)	(2,667)	(1,582)
Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member]
Balance	(5,270)	(4,090)	(2,953)
Unrealized holding loss on available for sale securities, net of tax	0	0	0
Reclassification adjustment, net of tax	0	0	0
Net pension loss arising during the period, net of tax	271	(1,108)	(1,066)
Less amortization of prior service cost included in net periodic pension cost, net of tax	(72)	(72)	(71)
Balance	$ (5,071)	$ (5,270)	$ (4,090)

Note 17 - Components of Accum91

Note 17 - Components of Accumulated Other Comprehensive Income (Loss) - Components of Accumulated Other Comprehensive Income (Loss) (Details) (Parentheticals) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Unrealized holding gain (loss) on available for sale securities, tax	$ (431)	$ (571)	$ 6,693
Reclassification adjustment for gain included in net income, taxes	(65)	(12)	(1)
Net pension gain (losses) arising during the period, taxes	132	(597)	(574)
Less amortization of prior service cost included in net periodic pension cost, tax	$ (38)	$ (38)	$ (39)

Note 17 - Components of Accum92

Note 17 - Components of Accumulated Other Comprehensive Income (Loss) - Reclassifications Out of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands		12 Months Ended
		Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Component of Accumulated Other Comprehensive Income (Loss)
Income tax benefit		$ 65	$ 12	$ 1
Realized gain on available-for-sale securities, net of tax, reclassified out of accumulated other comprehensive income (loss)		(121)	(21)	(1)
Income tax benefit		38	38	39
Amortization of defined benefit pension items, net of tax, reclassified out of accumulated other comprehensive income (loss)		(72)	(72)	(71)
Reclassification out of Accumulated Other Comprehensive Income [Member]
Component of Accumulated Other Comprehensive Income (Loss)
Realized securities gain, net		(186)	(33)	(2)
Income tax benefit		(65)	(12)	(1)
Realized gain on available-for-sale securities, net of tax, reclassified out of accumulated other comprehensive income (loss)		(121)	(21)	(1)
Prior service costs(1)	[1]	(110)	(110)	(110)
Income tax benefit		(38)	(38)	(39)
Amortization of defined benefit pension items, net of tax, reclassified out of accumulated other comprehensive income (loss)		$ (72)	$ (72)	$ (71)
[1]	This accumulated other comprehensive income (loss) component is included in the computation of net periodic benefit cost. (For additional information, see Note 8, "Employee Benefit Plans.")

Note 18 - Intangible Assets a93

Note 18 - Intangible Assets and Goodwill (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Goodwill and Intangible Asset Impairment	$ 0	$ 0	$ 0

Note 18 - Intangible Assets a94

Note 18 - Intangible Assets and Goodwill - Schedule of Goodwill and Intangible Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Intangible assets, gross carrying value	$ 22,105	$ 22,105
Intangible assets, accumulated amortization	16,139	15,881
Intangible assets, net carrying value	5,966	6,224
Unamortizable goodwill, gross carrying value	5,848	5,848
Unamortizable goodwill, net carrying value	5,848	5,848
Core Deposits [Member]
Intangible assets, gross carrying value	16,257	16,257
Intangible assets, accumulated amortization	16,139	15,881
Intangible assets, net carrying value	$ 118	$ 376

Note 18 - Intangible Assets a95

Note 18 - Intangible Assets and Goodwill - Estimated Amortization Expense of Core Deposit Intangibles (Details) - USD ($) $ in Thousands	Dec. 31, 2016	Dec. 31, 2015
Total	$ 5,966	$ 6,224
Core Deposits [Member]
2,017	68
2,018	50
Total	$ 118	$ 376