Ohio Valley Banc (OVBC) 10-Q 10 Aug 15 2015 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2015	Aug. 10, 2015
Document and Entity Information [Abstract]
Entity Registrant Name	OHIO VALLEY BANC CORP
Trading Symbol	OVBC
Document Type	10-Q
Current Fiscal Year End Date	--12-31
Entity Common Stock, Shares Outstanding		4,117,675
Amendment Flag	false
Entity Central Index Key	894,671
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Filer Category	Accelerated Filer
Entity Well-known Seasoned Issuer	No
Document Period End Date	Jun. 30, 2015
Document Fiscal Year Focus	2,015
Document Fiscal Period Focus	Q2

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
ASSETS
Cash and noninterest-bearing deposits with banks	$ 10,587	$ 9,315
Interest-bearing deposits with banks	41,493	21,662
Total cash and cash equivalents	52,080	30,977
Certificates of deposit in financial institutions	980	980
Securities available for sale	84,963	85,236
Securities held to maturity (estimated fair value: 2015 - $22,538; 2014 - $23,570)	21,914	22,820
Federal Home Loan Bank and Federal Reserve Bank stock	6,576	6,576
Total loans	592,899	594,768
Less: Allowance for loan losses	(7,444)	(8,334)
Net loans	585,455	586,434
Premises and equipment, net	9,991	9,195
Other real estate owned	1,590	1,525
Accrued interest receivable	1,799	1,806
Goodwill	1,267	1,267
Bank owned life insurance and annuity assets	25,926	25,612
Other assets	7,832	6,240
Total assets	800,373	778,668
LIABILITIES
Noninterest-bearing deposits	172,419	161,794
Interest-bearing deposits	493,869	485,036
Total deposits	666,288	646,830
Other borrowed funds	24,322	24,972
Subordinated debentures	8,500	8,500
Accrued liabilities	12,378	12,150
Total liabilities	$ 711,488	$ 692,452
COMMITMENTS AND CONTINGENT LIABILITIES (See Note 5)
SHAREHOLDERS’ EQUITY
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 4,777,414 shares issued)	$ 4,777	$ 4,777
Additional paid-in capital	35,318	35,318
Retained earnings	63,971	60,873
Accumulated other comprehensive income	531	960
Treasury stock, at cost (659,739 shares)	(15,712)	(15,712)
Total shareholders’ equity	88,885	86,216
Total liabilities and shareholders’ equity	$ 800,373	$ 778,668

Consolidated Balance Sheets (C3

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Securities held to maturity, fair value (in Dollars)	$ 22,538	$ 23,570
Common stock, stated value (in Dollars per share)	$ 1	$ 1
Common stock, shares authorized	10,000,000	10,000,000
Common stock, shares issued	4,777,414	4,777,414
Treasury stock, shares	659,739	659,739

Condensed Consolidated Statemen

Condensed Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Interest and dividend income:
Loans, including fees	$ 8,150	$ 8,223	$ 17,049	$ 17,037
Securities
Taxable	453	445	902	851
Tax exempt	134	139	273	275
Dividends	72	80	146	166
Other Interest	57	38	123	104
	8,866	8,925	18,493	18,433
Interest expense:
Deposits	555	578	1,090	1,151
Other borrowed funds	120	119	241	231
Subordinated debentures	42	41	83	82
	717	738	1,414	1,464
Net interest income	8,149	8,187	17,079	16,969
Provision for loan losses	799	1,386	721	1,880
Net interest income after provision for loan losses	7,350	6,801	16,358	15,089
Noninterest income:
Service charges on deposit accounts	393	395	746	786
Trust fees	57	59	115	114
Income from bank owned life insurance and annuity assets	138	171	314	330
Mortgage banking income	55	57	114	115
Electronic refund check / deposit fees	255	414	2,350	3,062
Debit / credit card interchange income	627	548	1,165	1,052
Gain (loss) on other real estate owned	45	4	60	(8)
Gain on sale of securities	135		135
Gain on sale of ProAlliance Corporation				135
Other	212	264	407	444
	1,917	1,912	5,406	6,030
Noninterest expense:
Salaries and employee benefits	4,426	4,235	8,826	8,612
Occupancy	388	391	790	789
Furniture and equipment	194	152	372	332
FDIC insurance	132	113	298	240
Data processing	362	293	730	614
Foreclosed assets	62	41	97	102
Other	1,990	1,772	3,868	3,603
	7,554	6,997	14,981	14,292
Income before income taxes	1,713	1,716	6,783	6,827
Provision for income taxes	303	372	1,749	1,919
NET INCOME	$ 1,410	$ 1,344	$ 5,034	$ 4,908
Earnings per share (in Dollars per share)	$ 0.34	$ 0.33	$ 1.22	$ 1.20

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Net Income	$ 1,410	$ 1,344	$ 5,034	$ 4,908
Other comprehensive income:
Change in unrealized gain on available for sale securities	(971)	716	(516)	1,162
Reclassification adjustment for realized (gains)	(135)		(135)
	(1,106)	716	(651)	1,162
Related tax (expense) benefit	376	(243)	222	(394)
Total other comprehensive income, net of tax	(730)	473	(429)	768
Total comprehensive income	$ 680	$ 1,817	$ 4,605	$ 5,676

Condensed Consolidated Stateme6

Condensed Consolidated Statements of Changes in Shareholders’ Equity (Unaudited) - USD ($) $ in Thousands	Total
Balance at beginning of period at Dec. 31, 2013	$ 80,419
Net income	4,908
Other comprehensive income, net of tax	768
Cash dividends	(1,722)
Balance at end of period at Jun. 30, 2014	$ 84,373
Cash dividends per share (in Dollars per share)	$ 0.42
Balance at beginning of period at Mar. 31, 2014	$ 83,417
Net income	1,344
Other comprehensive income, net of tax	473
Cash dividends	(861)
Balance at end of period at Jun. 30, 2014	$ 84,373
Cash dividends per share (in Dollars per share)	$ 0.21
Balance at beginning of period at Dec. 31, 2014	$ 86,216
Net income	5,034
Other comprehensive income, net of tax	(429)
Cash dividends	(1,936)
Balance at end of period at Jun. 30, 2015	$ 88,885
Cash dividends per share (in Dollars per share)	$ 0.47
Balance at beginning of period at Mar. 31, 2015	$ 89,276
Net income	1,410
Other comprehensive income, net of tax	(730)
Cash dividends	(1,071)
Balance at end of period at Jun. 30, 2015	$ 88,885
Cash dividends per share (in Dollars per share)	$ 0.26

Condensed Consolidated Stateme7

Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Net cash provided by operating activities:	$ 4,760	$ 6,606
Investing activities:
Proceeds from maturities of securities available for sale	7,783	7,326
Purchases of securities available for sale	(17,035)	(8,041)
Proceeds from maturities of securities held to maturity	1,501	475
Purchases of securities held to maturity	(625)	(610)
Proceeds from sale of available for sale securities	8,792	0
Redemptions of Federal Home Loan Bank stock		1,200
Net change in loans	(234)	(22,191)
Proceeds from sale of other real estate owned	487	107
Purchases of premises and equipment	(1,198)	(783)
Net cash provided by (used in) investing activities	(529)	(22,517)
Financing activities:
Change in deposits	19,458	8,780
Cash dividends	(1,936)	(1,722)
Proceeds from Federal Home Loan Bank borrowings		3,633
Repayment of Federal Home Loan Bank borrowings	(650)	(530)
Change in other short-term borrowings		50
Net cash provided by financing activities	16,872	10,211
Change in cash and cash equivalents	21,103	(5,700)
Cash and cash equivalents at beginning of period	30,977	28,344
Cash and cash equivalents at end of period	52,080	22,644
Supplemental disclosure:
Cash paid for interest	1,352	1,439
Cash paid for income taxes	2,450	2,731
Transfers from loans to other real estate owned	492	484
Other real estate owned sales financed by the Bank	$ 135	$ 65

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	6 Months Ended
	Jun. 30, 2015
Accounting Policies [Abstract]
Significant Accounting Policies [Text Block]	NOTE 1- SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES BASIS OF PRESENTATION : These interim financial statements are prepared by the Company without audit and reflect all adjustments of a normal recurring nature which, in the opinion of management, are necessary to present fairly the consolidated financial position of the Company at June 30, 2015, and its results of operations and cash flows for the periods presented. The results of operations for the six months ended June 30, 2015 are not necessarily indicative of the operating results to be anticipated for the full fiscal year ending December 31, 2015. The accompanying consolidated financial statements do not purport to contain all the necessary financial disclosures required by accounting principles generally accepted in the United States of America that might otherwise be necessary in the circumstances. The Annual Report of the Company for the year ended December 31, 2014 contains consolidated financial statements and related notes which should be read in conjunction with the accompanying consolidated financial statements. As previously reported, the Internal Revenue Service proposed that Loan Central, as a tax return preparer, be assessed a penalty for allegedly negotiating or endorsing checks issued by the U.S. Treasury to taxpayers. The penalty would amount to approximately $1.2 million. Loan Central appealed this matter within the Internal Revenue Service. Loan Central was notified that the Appeals Office would not concede the penalty, and the penalty had been assessed. The Company will have to resolve the matter through the judicial system. Based on consultation with legal counsel, management remains confident that it is highly unlikely that the penalty recommendation will be sustained. Therefore, the Company did not recognize any interest and/or penalties related to this matter for the periods presented. The consolidated financial statements for 2014 have been reclassified to conform to the presentation for 2015. These reclassifications had no effect on the net results of operations or shareholders’ equity. USE OF ESTIMATES IN THE PREPARATION OF FINANCIAL STATEMENTS: INDUSTRY SEGMENT INFORMATION: EARNINGS PER SHARE : NEW ACCOUNTING PRONOUNCEMENTS: In June 2014, the FASB issued ASU 2014-11 “Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures”. The amendments in ASU 2014-11 change the accounting for repurchase-to-maturity transactions and linked repurchase financings to secured borrowing accounting, which is consistent with the accounting for other repurchase agreements. The amendments also require two new disclosures. The first disclosure requires an entity to disclose information on transfers accounted for as sales in transactions that are economically similar to repurchase agreements. The second disclosure provides increased transparency about the types of collateral pledged in repurchase agreements and similar transactions accounted for as secured borrowings. 2014-11 is effective for reporting periods beginning after December 15, 2014. The effect of adopting ASU 2014-11 did not have a material effect on the Company’s financial statements. In June 2014, the FASB issued ASU 2014-12 “Compensation – Stock Compensation (Topic 718)”. ASU 2014-12 clarifies that entities should treat performance targets that can be met after the requisite service period of a share-based payment award as performance conditions that affect vesting. Therefore, an entity would not record compensation expense (measured as of the grant date without taking into account the effect of the performance target) related to an award for which transfer to the employee is contingent on the entity’s satisfaction of a performance target until it becomes probable that the performance target will be met. No new disclosures are required under ASU 2014-12. The guidance is effective for reporting periods beginning after December 15, 2015. The effect of adopting ASU 2014-12 is not expected to have a material effect on the Company’s financial statements.

Note 2 - Fair Value of Financia

Note 2 - Fair Value of Financial Instruments	6 Months Ended
	Jun. 30, 2015
Fair Value Disclosures [Abstract]
Fair Value Disclosures [Text Block]	NOTE 2 – FAIR VALUE OF FINANCIAL INSTRUMENTS Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three levels of inputs that may be used to measure fair values: Level 1: Level 2: Level 3: The following is a description of the Company’s valuation methodologies used to measure and disclose the fair values of its financial assets and liabilities on a recurring or nonrecurring basis: Securities: Impaired Loans: Other Real Estate Owned: Appraisals for both collateral-dependent impaired loans and other real estate owned are performed by certified general appraisers (for commercial properties) or certified residential appraisers (for residential properties) whose qualifications and licenses have been reviewed and verified by the Company. Once received, a member of management reviews the assumptions and approaches utilized in the appraisal as well as the overall resulting fair value in comparison with management’s own assumptions of fair value based on factors that include recent market data or industry-wide statistics. On an as-needed basis, the Company reviews the fair value of collateral, taking into consideration current market data, as well as all selling costs that typically approximate 10%. Assets and Liabilities Measured on a Recurring Basis Assets and liabilities measured at fair value on a recurring basis are summarized below: Fair Value Measurements at June 30, 2015 Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government sponsored entity securities ---- $ 8,986 ---- Agency mortgage-backed securities, residential ---- 75,977 ---- Fair Value Measurements at December 31, 2014, Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government sponsored entity securities ---- $ 8,917 ---- Agency mortgage-backed securities, residential ---- 76,319 ---- There were no transfers between Level 1 and Level 2 during 2015 or 2014. Assets and Liabilities Measured on a Nonrecurring Basis Assets and liabilities measured at fair value on a nonrecurring basis are summarized below: Fair Value Measurements at June 30, 2015, Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Commercial real estate: Owner-occupied ---- ---- $ 936 Nonowner-occupied ---- ---- 2,672 Other real estate owned: Commercial real estate: Construction ---- ---- 1,147 Fair Value Measurements at December 31, 2014, Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Commercial real estate: Owner-occupied ---- ---- $ 1,679 Nonowner-occupied ---- ---- 5,270 Commercial and industrial ---- ---- 2,532 Other real estate owned: Commercial real estate: Construction ---- ---- 1,147 At June 30, 2015, the recorded investment of impaired loans measured for impairment using the fair value of collateral for collateral-dependent loans totaled $4,045, with a corresponding valuation allowance of $437. This resulted in a decrease of $19 in provision expense during the three months ended June 30, 2015, and a decrease of $13 in provision expense during the six months ended June 30, 2015, with $1,304 in additional charge-offs recognized. This is compared to an increase of $46 in provision expense during the three months ended June 30, 2014, and a decrease of $127 in provision expense during the six months ended June 30, 2014, with $157 in additional charge-offs recognized. At December 31, 2014, the recorded investment of impaired loans measured for impairment using the fair value of collateral for collateral-dependent loans totaled $12,773, with a corresponding valuation allowance of $3,292. Other real estate owned that was measured at fair value less costs to sell at June 30, 2015 and December 31, 2014 had a net carrying amount of $1,147, which is made up of the outstanding balance of $2,217, net of a valuation allowance of $1,070 at December 31, 2014. There were no corresponding write downs during the three and six months ended June 30, 2015 and 2014. There was $88 in net appreciation during 2014. The following table presents quantitative information about Level 3 fair value measurements for financial instruments measured at fair value on a non-recurring basis at June 30, 2015 and December 31, 2014: June 30, 2015 Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) Impaired loans: Commercial real estate: Owner-occupied $ 936 Sales approach Adjustment to comparables 9.0% to 62% 28% Nonowner-occupied 2,672 Sales approach Adjustment to comparables 0% to 12.5% 5.7% Other real estate owned: Commercial real estate: Construction 1,147 Sales approach Adjustment to comparables 5% to 35% 18% December 31, 2014 Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) Impaired loans: Commercial real estate: Owner-occupied $ 1,679 Sales approach Adjustment to comparables 0.3% to 62% 18% Income approach Capitalization Rate 10% 10% Nonowner-occupied 2,597 Income approach Capitalization Rate 6.5% 6.5% Nonowner-occupied 2,673 Sales approach Adjustment to comparables 0% to 12.5% 5.7% Commercial and industrial 2,532 Sales approach Adjustment to comparables 10% to 30% 21.42% Other real estate owned: Commercial real estate: Construction 1,147 Sales approach Adjustment to comparables 5% to 35% 18% The carrying amounts and estimated fair values of financial instruments at June 30, 2015 and December 31, 2014 are as follows: Fair Value Measurements at June 30, 2015 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 52,080 $ 52,080 $ ---- $ ---- $ 52,080 Certificates of deposit in financial institutions 980 ---- 980 ---- 980 Securities available for sale 84,963 ---- 84,963 ---- 84,963 Securities held to maturity 21,914 ---- 11,372 11,166 22,538 Federal Home Loan Bank and Federal Reserve Bank stock 6,576 N/A N/A N/A N/A Loans, net 585,455 ---- ---- 590,457 590,457 Accrued interest receivable 1,799 ---- 215 1,584 1,799 Financial liabilities: Deposits 666,288 171,656 493,906 ---- 665,562 Other borrowed funds 24,322 ---- 23,810 ---- 23,810 Subordinated debentures 8,500 ---- 5,068 ---- 5,068 Accrued interest payable 456 3 453 ---- 456 Fair Value Measurements at December 31, 2014 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 30,977 $ 30,977 $ ---- $ ---- $ 30,977 Certificates of deposit in financial institutions 980 ---- 980 ---- 980 Securities available for sale 85,236 ---- 85,236 ---- 85,236 Securities held to maturity 22,820 ---- 12,144 11,426 23,570 Federal Home Loan Bank and Federal Reserve Bank stock 6,576 N/A N/A N/A N/A Loans, net 586,434 ---- ---- 591,594 591,594 Accrued interest receivable 1,806 ---- 230 1,576 1,806 Financial liabilities: Deposits 646,830 161,784 485,503 ---- 647,287 Other borrowed funds 24,972 ---- 24,555 ---- 24,555 Subordinated debentures 8,500 ---- 4,979 ---- 4,979 Accrued interest payable 394 4 390 ---- 394 The methods and assumptions, not previously presented, used to estimate fair values are described as follows: Cash and Cash Equivalents Certificates of Deposit in Financial Institutions Securities Held to Maturity: Federal Home Loan Bank and Federal Reserve Bank stock Loans Deposit Liabilities Other Borrowed Funds Subordinated Debentures Accrued Interest Receivable and Payable , resulting in a classification that is consistent with the earning assets and interest-bearing liabilities with which it is associated. Off-balance Sheet Instruments Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

Note 3 - Securities

Note 3 - Securities	6 Months Ended
	Jun. 30, 2015
Investments, Debt and Equity Securities [Abstract]
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	N OTE 3 – SECURITIES The following table summarizes the amortized cost and estimated fair value of the available for sale and held to maturity securities portfolios at June 30, 2015 and December 31, 2014 and the corresponding amounts of gross unrealized gains and losses recognized in accumulated other comprehensive income for available for sale securities and gross unrecognized gains and losses for held to maturity securities: Securities Available for Sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value June 30, 2015 U.S. Government sponsored entity securities $ 9,015 $ 3 $ (32 ) $ 8,986 Agency mortgage-backed securities, residential 75,144 1,342 (509 ) 75,977 Total securities $ 84,159 $ 1,345 $ (541 ) $ 84,963 December 31, 2014 U.S. Government sponsored entity securities $ 9,019 $ 2 $ (104 ) $ 8,917 Agency mortgage-backed securities, residential 74,762 1,693 (136 ) 76,319 Total securities $ 83,781 $ 1,695 $ (240 ) $ 85,236 Securities Held to Maturity Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Estimated Fair Value June 30, 2015 Obligations of states and political subdivisions $ 21,906 $ 798 $ (174 ) $ 22,530 Agency mortgage-backed securities, residential 8 ---- ---- 8 Total securities $ 21,914 $ 798 $ (174 ) $ 22,538 December 31, 2014 Obligations of states and political subdivisions $ 22,811 $ 939 $ (189 ) $ 23,561 Agency mortgage-backed securities, residential 9 ---- ---- 9 Total securities $ 22,820 $ 939 $ (189 ) $ 23,570 The amortized cost and estimated fair value of the securities portfolio at June 30, 2015, by contractual maturity, are shown below. Actual maturities may differ from contractual maturities because certain issuers may have the right to call or prepay the debt obligations prior to their contractual maturities. Securities not due at a single maturity are shown separately. Available for Sale Held to Maturity Debt Securities: Amortized Cost Estimated Fair Value Amortized Cost Estimated Fair Value Due in one year or less $ 1,002 $ 1,005 $ 410 $ 422 Due in over one to five years 8,013 7,981 6,417 6,754 Due in over five to ten years ---- ---- 11,724 12,108 Due after ten years ---- ---- 3,355 3,246 Agency mortgage-backed securities, residential 75,144 75,977 8 8 Total debt securities $ 84,159 $ 84,963 $ 21,914 $ 22,538 The following table summarizes the investment securities with unrealized losses at June 30, 2015 and December 31, 2014 by aggregated major security type and length of time in a continuous unrealized loss position: Less Than 12 Months 12 Months or More Total June 30 , 201 5 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available for Sale U.S. Government sponsored entity securities $ 3,991 $ (13 ) $ 3,989 $ (19 ) $ 7,980 $ (32 ) Agency mortgage-backed securities, residential 27,837 (406 ) 3,869 (103 ) 31,706 (509 ) Total available for sale $ 31,828 $ (419 ) $ 7,858 $ (122 ) $ 39,686 $ (541 ) Less Than 12 Months 12 Months or More Total Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Securities Held to Maturity Obligations of states and political subdivisions $ 2,488 $ (29 ) $ 1,510 $ (145 ) $ 3,998 $ (174 ) Total held to maturity $ 2,488 $ (29 ) $ 1,510 $ (145 ) $ 3,998 $ (174 ) Less Than 12 Months 12 Months or More Total December 31 , 201 4 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available for Sale U.S. Government sponsored entity securities $ ---- $ ---- $ 7,911 $ (104 ) $ 7,911 $ (104 ) Agency mortgage-backed securities, residential 11,232 (20 ) 8,397 (116 ) 19,629 (136 ) Total available for sale $ 11,232 $ (20 ) $ 16,308 $ (220 ) $ 27,540 $ (240 ) Less Than 12 Months 12 Months or More Total Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Securities Held to Maturity Obligations of states and political subdivisions $ 1,171 $ (9 ) $ 2,916 $ (180 ) $ 4,087 $ (189 ) Total held to maturity $ 1,171 $ (9 ) $ 2,919 $ (180 ) $ 4,087 $ (189 ) During the three and six months ended June 30, 2015 the Company had proceeds of $8,792 pertaining to securities sales on available for sale securities with gross gains recognized of $135 for both periods. There were no sales during the three and six months ended June 30, 2014. Unrealized losses on the Company's debt securities have not been recognized into income because the issuers' securities are of high credit quality at June 30, 2015, and management does not intend to sell and it is likely that management will not be required to sell the securities prior to their anticipated recovery. Management does not believe any individual unrealized loss at June 30, 2015 and December 31, 2014 represents an other-than-temporary impairment.

Note 4 - Loans and Allowance fo

Note 4 - Loans and Allowance for Loan Losses	6 Months Ended
	Jun. 30, 2015
Receivables [Abstract]
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	N OTE 4 – LOANS AND ALLOWANCE FOR LOAN LOSSES Loans are comprised of the following: June 30, December 31, 2015 2014 Residential real estate $ 224,923 $ 223,628 Commercial real estate: Owner-occupied 76,081 78,848 Nonowner-occupied 73,296 71,229 Construction 24,645 27,535 Commercial and industrial 85,573 83,998 Consumer: Automobile 43,757 42,849 Home equity 20,138 18,291 Other 44,486 48,390 592,899 594,768 Less: Allowance for loan losses 7,444 8,334 Loans, net $ 585,455 $ 586,434 The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended June 30, 2015 and 2014: June 30, 2015 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,465 $ 4,210 $ 1,738 $ 907 $ 8,320 Provision for loan losses (121 ) (64 ) 478 506 799 Loans charged off (126 ) (1,366 ) (22 ) (446 ) (1,960 ) Recoveries 12 15 93 165 285 Total ending allowance balance $ 1,230 $ 2,795 $ 2,287 $ 1,132 $ 7,444 June 30, 2014 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,437 $ 2,845 $ 1,331 $ 849 $ 6,462 Provision for loan losses 444 383 201 358 1,386 Loans charged off (139 ) ---- (4 ) (197 ) (340 ) Recoveries 136 48 97 139 420 Total ending allowance balance $ 1,878 $ 3,276 $ 1,625 $ 1,149 $ 7,928 The following table presents the activity in the allowance for loan losses by portfolio segment for the six months ended June 30, 2015 and 2014: June 30, 2015 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,426 $ 4,195 $ 1,602 $ 1,111 $ 8,334 Provision for loan losses (90 ) (58 ) 492 377 721 Loans charged off (223 ) (1,374 ) (24 ) (707 ) (2,328 ) Recoveries 117 32 217 351 717 Total ending allowance balance $ 1,230 $ 2,795 $ 2,287 $ 1,132 $ 7,444 June 30, 2014 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,169 $ 2,914 $ 1,279 $ 793 $ 6,155 Provision for loan losses 753 440 182 505 1,880 Loans charged off (193 ) (157 ) (4 ) (452 ) (806 ) Recoveries 149 79 168 303 699 Total ending allowance balance $ 1,878 $ 3,276 $ 1,625 $ 1,149 $ 7,928 The following table presents the balance in the allowance for loan losses and the recorded investment of loans by portfolio segment and based on impairment method as of June 30, 2015 and December 31, 2014: June 30, 2015 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ 1,168 $ 1,522 $ 4 $ 2,694 Collectively evaluated for impairment 1,230 1,627 765 1,128 4,750 Total ending allowance balance $ 1,230 $ 2,795 $ 2,287 $ 1,132 $ 7,444 Loans: Loans individually evaluated for impairment $ 1,902 $ 10,275 $ 7,510 $ 218 $ 19,905 Loans collectively evaluated for impairment 223,021 163,747 78,063 108,163 572,994 Total ending loans balance $ 224,923 $ 174,022 $ 85,573 $ 108,381 $ 592,899 December 31, 2014 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ 2,506 $ 900 $ 6 $ 3,412 Collectively evaluated for impairment 1,426 1,689 702 1,105 4,922 Total ending allowance balance $ 1,426 $ 4,195 $ 1,602 $ 1,111 $ 8,334 Loans: Loans individually evaluated for impairment $ 1,415 $ 11,711 $ 6,824 $ 219 $ 20,169 Loans collectively evaluated for impairment 222,213 165,901 77,174 109,311 574,599 Total ending loans balance $ 223,628 $ 177,612 $ 83,998 $ 109,530 $ 594,768 The following tables present information related to loans individually evaluated for impairment by class of loans as of June 30, 2015 and December 31, 2014: June 30, 2015 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: Commercial real estate: Owner-occupied $ 478 $ 478 $ 437 Nonowner-occupied 3,558 3,558 731 Commercial and industrial 3,325 3,325 1,522 Consumer: Home equity 218 218 4 With no related allowance recorded: Residential real estate 1,902 1,902 ---- Commercial real estate: Owner-occupied 3,133 2,587 ---- Nonowner-occupied 4,667 2,972 ---- Construction 680 680 ---- Commercial and industrial 4,219 4,185 ---- Total $ 22,180 $ 19,905 $ 2,694 December 31, 2014 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: Commercial real estate: Owner-occupied $ 1,177 $ 1,177 $ 414 Nonowner-occupied 7,656 7,656 2,092 Commercial and industrial 2,356 2,356 900 Consumer: Home equity 219 219 6 With no related allowance recorded: Residential real estate 1,415 1,415 ---- Commercial real estate: Owner-occupied 3,125 2,578 ---- Nonowner-occupied 1,298 300 ---- Commercial and industrial 4,703 4,468 ---- Total $ 21,949 $ 20,169 $ 3,412 The following tables present information related to loans individually evaluated for impairment by class of loans for the three and six months ended June 30, 2015 and 2014: Three months ended June 30, 2015 Six months ended June 30, 2015 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial real estate: Owner-occupied $ 478 $ ---- $ ---- $ 711 $ ---- $ ---- Nonowner-occupied 3,575 49 49 3,598 65 65 Commercial and industrial 3,185 40 40 2,909 65 65 Consumer: Home equity 218 2 2 219 4 4 With no related allowance recorded: Residential real estate 1,656 16 16 1,575 25 25 Commercial real estate: Owner-occupied 2,570 30 30 2,573 60 60 Nonowner-occupied 3,630 13 13 3,857 25 25 Construction 680 ---- ---- 453 ---- ---- Commercial and industrial 4,249 51 51 4,322 107 107 Total $ 20,241 $ 201 $ 201 $ 20,217 $ 351 $ 351 Three months ended June 30, 2014 Six months ended June 30, 2014 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Residential real estate $ 898 $ 8 $ 8 $ 902 $ 17 $ 17 Commercial real estate: Nonowner-occupied 3,317 40 40 3,330 74 74 Commercial and industrial 2,441 28 28 2,514 57 57 Consumer: Home equity 219 2 2 219 4 4 With no related allowance recorded: Residential real estate 525 6 6 526 14 14 Commercial real estate: Owner-occupied 1,387 21 21 1,255 30 30 Nonowner-occupied 5,665 76 76 5,691 151 151 Commercial and industrial 1,811 79 79 1,207 79 79 Total $ 16,263 $ 260 $ 260 $ 15,644 $ 426 $ 426 The recorded investment of a loan is its carrying value excluding accrued interest and deferred loan fees. Nonaccrual loans and loans past due 90 days or more and still accruing include both smaller balance homogenous loans that are collectively evaluated for impairment and individually classified as impaired loans. The following table presents the recorded investment of nonaccrual loans and loans past due 90 days or more and still accruing by class of loans as of June 30, 2015 and December 31, 2014: June 30, 2015 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 325 $ 3,277 Commercial real estate: Owner-occupied ---- 715 Nonowner-occupied ---- 2,672 Construction ---- 769 Commercial and industrial ---- 724 Consumer: Automobile 10 6 Home equity ---- 84 Other 5 1 Total $ 340 $ 8,248 December 31, 2014 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ ---- $ 3,768 Commercial real estate: Owner-occupied ---- 1,484 Nonowner-occupied ---- 4,013 Commercial and industrial ---- 95 Consumer: Automobile 15 18 Home equity ---- 103 Other 58 68 Total $ 73 $ 9,549 The Company transfers loans to other real estate owned, at fair value less cost to sell, in the period the Company obtains physical possession of the property (through legal title or through a deed in lieu). As of June 30, 2015 and December 31, 2014, other real estate owned secured by residential real estate totaled $350 and $368, respectively. In addition, nonaccrual residential mortgage loans that are in the process of foreclosure had a recorded investment of $2,010 and $1,692 as of June 30, 2015 and December 31, 2014, respectively. The following table presents the aging of the recorded investment of past due loans by class of loans as of June 30, 2015 and December 31, 2014: June 30, 2015 30-59 Days Past Due 60-89 Days Past Due 90 Days Or More Past Due Total Past Due Loans Not Past Due Total Residential real estate $ 2,115 $ 579 $ 3,402 $ 6,096 $ 218,827 $ 224,923 Commercial real estate: Owner-occupied 105 159 715 979 75,102 76,081 Nonowner-occupied ---- 269 2,672 2,941 70,355 73,296 Construction 111 ---- 769 880 23,765 24,645 Commercial and industrial 403 516 91 1,010 84,563 85,573 Consumer: Automobile 523 159 16 698 43,059 43,757 Home equity 68 ---- 62 130 20,008 20,138 Other 491 46 6 543 43,943 44,486 Total $ 3,816 $ 1,728 $ 7,733 $ 13,277 $ 579,622 $ 592,899 December 31, 2014 30-59 Days Past Due 60-89 Days Past Due 90 Days Or More Past Due Total Past Due Loans Not Past Due Total Residential real estate $ 3,337 $ 612 $ 3,489 $ 7,438 $ 216,190 $ 223,628 Commercial real estate: Owner-occupied 74 62 1,422 1,558 77,290 78,848 Nonowner-occupied ---- ---- ---- ---- 71,229 71,229 Construction 932 ---- ---- 932 26,603 27,535 Commercial and industrial ---- 10 24 34 83,964 83,998 Consumer: Automobile 616 149 33 798 42,051 42,849 Home equity ---- ---- 103 103 18,188 18,291 Other 655 20 126 801 47,589 48,390 Total $ 5,614 $ 853 $ 5,197 $ 11,664 $ 583,104 $ 594,768 Troubled Debt Restructurings: A troubled debt restructuring (“TDR”) occurs when the Company has agreed to a loan modification in the form of a concession for a borrower who is experiencing financial difficulty. All TDR's are considered to be impaired. The modification of the terms of such loans included one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; a reduction in the contractual principal and interest payments of the loan; or short-term interest-only payment terms. The Company has allocated reserves for a portion of its TDR's to reflect the fair values of the underlying collateral or the present value of the concessionary terms granted to the customer. The following table presents the types of TDR loan modifications by class of loans as of June 30, 2015 and December 31, 2014: TDR’s Performing to Modified Terms TDR’s Not Performing to Modified Terms Total TDR’s June 30, 2015 Residential real estate Interest only payments $ 1,007 $ ---- $ 1,007 Commercial real estate: Owner-occupied Interest only payments 517 ---- 517 Rate reduction ---- 236 236 Reduction of principal and interest payments 616 ---- 616 Maturity extension at lower stated rate than market rate 1,014 ---- 1,014 Credit extension at lower stated rate than market rate 204 ---- 204 Nonowner-occupied Interest only payments 3,456 2,672 6,128 Rate reduction 402 ---- 402 Commercial and industrial Interest only payments 6,622 ---- 6,622 Credit extension at lower stated rate than market rate 393 ---- 393 Consumer: Home equity Maturity extension at lower stated rate than market rate 218 ---- 218 Total TDR’s $ 14,449 $ 2,908 $ 17,357 TDR’s Performing to Modified Terms TDR’s Not Performing to Modified Terms Total TDR’s December 31, 2014 Residential real estate Interest only payments $ 520 $ ---- $ 520 Commercial real estate: Owner-occupied Interest only payments 457 ---- 457 Rate reduction ---- 244 244 Reduction of principal and interest payments 627 ---- 627 Maturity extension at lower stated rate than market rate 1,046 ---- 1,046 Credit extension at lower stated rate than market rate 204 ---- 204 Nonowner-occupied Interest only payments 3,535 4,013 7,548 Rate reduction 408 ---- 408 Commercial and industrial Interest only payments 6,429 ---- 6,429 Credit extension at lower stated rate than market rate 395 ---- 395 Consumer: Home equity Maturity extension at lower stated rate than market rate 219 ---- 219 Total TDR’s $ 13,840 $ 4,257 $ 18,097 During the six months ended June 30, 2015, the TDR's described above increased the allowance for loan losses and provision expense by $68 with a corresponding charge-off of $1,304. This is compared to a $194 decrease in the provision expense and the allowance for loan losses during the six months ended June 30, 2014 with no corresponding charge-offs. The charge-off of $1,304 during 2015 was related to specific reserves that had already been provided for during 2014, and, as a result, did not impact provision expense during 2015. During the year ended December 31, 2014, the TDR's described above increased the allowance for loan losses and provision expense by $623 with no corresponding charge-offs. At June 30, 2015, the balance in TDR loans decreased $740, or 4.1%, from year-end 2014. The decrease was largely due to a $1,304 charge-off of an existing specific allocation on a collateral-dependent commercial real estate loan. The effect from this specific allocation charge-off was partially offset by a $495 residential real estate loan classified as a TDR during the second quarter of 2015. The Company had 83% of its TDR's performing according to their modified terms at June 30, 2015, as compared to 77% at December 31, 2014. TDR loans not performing to modified terms were largely impacted by a commercial real estate loan totaling $4,013 that was converted to nonaccrual status during the fourth quarter of 2014 after it was determined that full loan repayment was in significant doubt. A further review of the collateral values of this commercial real estate loan during the fourth quarter of 2014 identified additional impairment, resulting in a specific allocation of $1,340 at December 31, 2014. During the second quarter of 2015, the specific allocation related to this impaired loan was charged off, as previously mentioned. As a result, the Company's specific allocations in reserves to customers whose loan terms have been modified in TDR’s totaled $1,762 at June 30, 2015, as compared to $2,998 in reserves at December 31, 2014. At June 30, 2015, the Company had $1,678 in commitments to lend additional amounts to customers with outstanding loans that are classified as TDR’s, as compared to $1,871 at December 31, 2014. The following table presents the pre- and post-modification balances of TDR loan modifications by class of loans that occurred during the six months ended June 30, 2015 and 2014: TDR’s Performing to Modified Terms TDR’s Not Performing to Modified Terms Six months ended June 30, 2015 Pre-Modification Recorded Investment Post-Modification Recorded Investment Pre-Modification Recorded Investment Post-Modification Recorded Investment Residential real estate: Interest only payments $ 495 $ 495 $ ---- $ ---- Total TDR’s $ 495 $ 495 $ ---- $ ---- TDR’s Performing to Modified Terms TDR’s Not Performing to Modified Terms Six months ended June 30, 2014 Pre-Modification Recorded Investment Post-Modification Recorded Investment Pre-Modification Recorded Investment Post-Modification Recorded Investment Commercial real estate: Owner-occupied Maturity extension at lower stated rate than market rate $ 767 $ 767 $ ---- $ ---- Commercial and industrial Interest only payments 3,621 3,621 ---- ---- Total TDR’s $ 4,388 $ 4,388 $ ---- $ ---- All of the Company’s loans that were restructured during the six months ended June 30, 2015 and 2014 were performing in accordance with their modified terms. Furthermore, there were no TDR’s described above at June 30, 2015 and 2014 that experienced any payment defaults within twelve months following their loan modification. A default is considered to have occurred once the TDR is past due 90 days or more or it has been placed on nonaccrual. TDR loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. The loans modified during the six months ended June 30, 2015 had no impact on the provision expense or the allowance for loan losses. As of June 30, 2015, the Company had no allocation of reserves to customers whose loan terms were modified during the first six months of 2015. The loans modified during the six months ended June 30, 2014 had no impact on the provision expense or the allowance for loan losses. As of June 30, 2014, the Company had no allocation of reserves to customers whose loan terms were modified during the first six months of 2014. Credit Quality Indicators: The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. These risk categories are represented by a loan grading scale from 1 through 10. The Company analyzes loans individually with a higher credit risk rating and groups these loans into categories called “criticized” and “classified" assets. The Company considers its criticized assets to be loans that are graded 8 and its classified assets to be loans that are graded 9 or 10. The Company's risk categories are reviewed at least annually on loans that have aggregate borrowing amounts that meet or exceed $500. The Company uses the following definitions for its criticized loan risk ratings: Special Mention (Loan Grade 8). The Company uses the following definitions for its classified loan risk ratings: Substandard (Loan Grade 9). Doubtful (Loan Grade 10). Criticized and classified loans will mostly consist of commercial and industrial and commercial real estate loans. The Company considers its loans that do not meet the criteria for a criticized and classified asset rating as pass rated loans, which will include loans graded from 1 (Prime) to 7 (Watch). All commercial loans are categorized into a risk category either at the time of origination or reevaluation date. As of June 30, 2015 and December 31, 2014, and based on the most recent analysis performed, the risk category of commercial loans by class of loans was as follows: June 30, 2015 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 69,108 $ 3,227 $ 3,746 $ 76,081 Nonowner-occupied 63,993 2,064 7,239 73,296 Construction 23,713 ---- 932 24,645 Commercial and industrial 76,927 639 8,007 85,573 Total $ 233,741 $ 5,930 $ 19,924 $ 259,595 December 31, 2014 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 72,232 $ 2,102 $ 4,514 $ 78,848 Nonowner-occupied 60,491 2,127 8,611 71,229 Construction 27,364 ---- 171 27,535 Commercial and industrial 76,395 495 7,108 83,998 Total $ 236,482 $ 4,724 $ 20,404 $ 261,610 The Company also obtains the credit scores of its borrowers upon origination (if available by the credit bureau), but the scores are not updated. The Company focuses mostly on the performance and repayment ability of the borrower as an indicator of credit risk and does not consider a borrower's credit score to be a significant influence in the determination of a loan's credit risk grading. For residential and consumer loan classes, the Company evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment of residential and consumer loans by class of loans based on repayment activity as of June 30, 2015 and December 31, 2014: June 30, 2015 Consumer Automobile Home Equity Other Residential Real Estate Total Performing $ 43,741 $ 20,054 $ 44,480 $ 221,321 $ 329,596 Nonperforming 16 84 6 3,602 3,708 Total $ 43,757 $ 20,138 $ 44,486 $ 224,923 $ 333,304 December 31, 2014 Consumer Automobile Home Equity Other Residential Real Estate Total Performing $ 42,816 $ 18,188 $ 48,264 $ 219,860 $ 329,128 Nonperforming 33 103 126 3,768 4,030 Total $ 42,849 $ 18,291 $ 48,390 $ 223,628 $ 333,158 The Company, through its subsidiaries, originates residential, consumer, and commercial loans to customers located primarily in the southeastern areas of Ohio as well as the western counties of West Virginia. Approximately 5.70% of total loans were unsecured at June 30, 2015, up from 5.66% at December 31, 2014.

Note 5 - Financial Instruments

Note 5 - Financial Instruments With Off-balance Sheet Risk	6 Months Ended
	Jun. 30, 2015
Risks and Uncertainties [Abstract]
Concentration Risk Disclosure [Text Block]	NOTE 5 - FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, standby letters of credit and financial guarantees. The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit, and financial guarantees written, is represented by the contractual amount of those instruments. The contract amounts of these instruments are not included in the consolidated financial statements. At June 30, 2015, the contract amounts of these instruments totaled approximately $57,558, compared to $55,344 at December 31, 2014. The Bank uses the same credit policies in making commitments and conditional obligations as it does for instruments recorded on the balance sheet. Since many of these instruments are expected to expire without being drawn upon, the total contract amounts do not necessarily represent future cash requirements.

Note 6 - Other Borrowed Funds

Note 6 - Other Borrowed Funds	6 Months Ended
	Jun. 30, 2015
Disclosure Text Block [Abstract]
Federal Home Loan Bank Advances, Disclosure [Text Block]	NOTE 6 - OTHER BORROWED FUNDS Other borrowed funds at June 30, 2015 and December 31, 2014 were comprised of advances from the Federal Home Loan Bank (“FHLB”) of Cincinnati and promissory notes. FHLB Borrowings Promissory Notes Totals June 30, 2015 $ 20,531 $ 3,791 $ 24,322 December 31, 2014 $ 21,181 $ 3,791 $ 24,972 Pursuant to collateral agreements with the FHLB, advances were secured by $215,102 in qualifying mortgage loans, $82,900 in commercial loans and $5,081 in FHLB stock at June 30, 2015. Fixed-rate FHLB advances of $20,531 mature through 2042 and have interest rates ranging from 1.34% to 3.31% and a year-to-date weighted average cost of 2.09%. There were no variable-rate FHLB borrowings at June 30, 2015. At June 30, 2015, the Company had a cash management line of credit enabling it to borrow up to $75,000 from the FHLB. All cash management advances have an original maturity of 90 days. The line of credit must be renewed on an annual basis. There was $75,000 available on this line of credit at June 30, 2015. Based on the Company's current FHLB stock ownership, total assets and pledgeable loans, the Company had the ability to obtain borrowings from the FHLB up to a maximum of $174,081 at June 30, 2015. Of this maximum borrowing capacity, the Company had $115,749 available to use as additional borrowings, of which $75,000 could be used for short-term, cash management advances, as mentioned above. Promissory notes, issued primarily by Ohio Valley, have fixed rates of 1.15% to 1.50% and are due at various dates through a final maturity date of December 8, 2016. At June 30, 2015, there were no promissory notes payable by Ohio Valley to related parties. Letters of credit issued on the Bank's behalf by the FHLB to collateralize certain public unit deposits as required by law totaled $37,800 at June 30, 2015 and $29,500 at December 31, 2014. Scheduled principal payments as of June 30, 2015: FHLB Borrowings Promissory Notes Totals 2015 $ 1,123 $ 2,456 $ 3,579 2016 1,594 1,335 2,929 2017 4,534 ---- 4,534 2018 1,484 ---- 1,484 2019 1,443 ---- 1,443 Thereafter 10,353 ---- 10,353 $ 20,531 $ 3,791 $ 24,322

Note 7 - Segment Information

Note 7 - Segment Information	6 Months Ended
	Jun. 30, 2015
Segment Reporting [Abstract]
Segment Reporting Disclosure [Text Block]	NOTE 7 – SEGMENT INFORMATION The reportable segments are determined by the products and services offered, primarily distinguished between banking and consumer finance. They are also distinguished by the level of information provided to the chief operating decision maker, who uses such information to review performance of various components of the business, which are then aggregated if operating performance, products/services, and customers are similar. Loans, investments, and deposits provide the majority of the net revenues from the banking operation, while loans provide the majority of the net revenues for the consumer finance segment. All Company segments are domestic. Total revenues from the banking segment, which accounted for the majority of the Company's total revenues, totaled 88.9% and 88.6% of total consolidated revenues for the quarters ended June 30, 2015 and 2014, respectively. The accounting policies used for the Company's reportable segments are the same as those described in Note 1 - Summary of Significant Accounting Policies. Income taxes are allocated based on income before tax expense. Information for the Company’s reportable segments is as follows: Three Months Ended June 30, 2015 Banking Consumer Finance Total Company Net interest income $ 7,502 $ 647 $ 8,149 Provision expense 850 (51 ) 799 Noninterest income 1,786 131 1,917 Noninterest expense 6,866 688 7,554 Tax expense 256 47 303 Net income 1,316 94 1,410 Assets 787,363 13,010 800,373 Three Months Ended June 30, 2014 Banking Consumer Finance Total Company Net interest income $ 7,560 $ 627 $ 8,187 Provision expense 1,425 (39 ) 1,386 Noninterest income 1,715 197 1,912 Noninterest expense 6,362 635 6,997 Tax expense 295 77 372 Net income 1,193 151 1,344 Assets 750,387 13,426 763,813 Six Months Ended June 30, 2015 Banking Consumer Finance Total Company Net interest income $ 15,063 $ 2,016 $ 17,079 Provision expense 675 46 721 Noninterest income 4,829 577 5,406 Noninterest expense 13,573 1,408 14,981 Tax expense 1,363 386 1,749 Net income 4,281 753 5,034 Assets 787,363 13,010 800,373 Six Months Ended June 30, 2014 Banking Consumer Finance Total Company Net interest income $ 14,981 $ 1,988 $ 16,969 Provision expense 1,800 80 1,880 Noninterest income 5,288 742 6,030 Noninterest expense 12,973 1,319 14,292 Tax expense 1,468 451 1,919 Net income 4,028 880 4,908 Assets 750,387 13,426 763,813

Accounting Policies, by Policy

Accounting Policies, by Policy (Policies)	6 Months Ended
	Jun. 30, 2015
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	BASIS OF PRESENTATION : These interim financial statements are prepared by the Company without audit and reflect all adjustments of a normal recurring nature which, in the opinion of management, are necessary to present fairly the consolidated financial position of the Company at June 30, 2015, and its results of operations and cash flows for the periods presented. The results of operations for the six months ended June 30, 2015 are not necessarily indicative of the operating results to be anticipated for the full fiscal year ending December 31, 2015. The accompanying consolidated financial statements do not purport to contain all the necessary financial disclosures required by accounting principles generally accepted in the United States of America that might otherwise be necessary in the circumstances. The Annual Report of the Company for the year ended December 31, 2014 contains consolidated financial statements and related notes which should be read in conjunction with the accompanying consolidated financial statements. As previously reported, the Internal Revenue Service proposed that Loan Central, as a tax return preparer, be assessed a penalty for allegedly negotiating or endorsing checks issued by the U.S. Treasury to taxpayers. The penalty would amount to approximately $1.2 million. Loan Central appealed this matter within the Internal Revenue Service. Loan Central was notified that the Appeals Office would not concede the penalty, and the penalty had been assessed. The Company will have to resolve the matter through the judicial system. Based on consultation with legal counsel, management remains confident that it is highly unlikely that the penalty recommendation will be sustained. Therefore, the Company did not recognize any interest and/or penalties related to this matter for the periods presented. The consolidated financial statements for 2014 have been reclassified to conform to the presentation for 2015. These reclassifications had no effect on the net results of operations or shareholders’ equity.
Use of Estimates, Policy [Policy Text Block]	USE OF ESTIMATES IN THE PREPARATION OF FINANCIAL STATEMENTS:
Segment Reporting, Policy [Policy Text Block]	INDUSTRY SEGMENT INFORMATION:
Earnings Per Share, Policy [Policy Text Block]	EARNINGS PER SHARE :
New Accounting Pronouncements, Policy [Policy Text Block]	NEW ACCOUNTING PRONOUNCEMENTS: In June 2014, the FASB issued ASU 2014-11 “Transfers and Servicing (Topic 860): Repurchase-to-Maturity Transactions, Repurchase Financings, and Disclosures”. The amendments in ASU 2014-11 change the accounting for repurchase-to-maturity transactions and linked repurchase financings to secured borrowing accounting, which is consistent with the accounting for other repurchase agreements. The amendments also require two new disclosures. The first disclosure requires an entity to disclose information on transfers accounted for as sales in transactions that are economically similar to repurchase agreements. The second disclosure provides increased transparency about the types of collateral pledged in repurchase agreements and similar transactions accounted for as secured borrowings. 2014-11 is effective for reporting periods beginning after December 15, 2014. The effect of adopting ASU 2014-11 did not have a material effect on the Company’s financial statements. In June 2014, the FASB issued ASU 2014-12 “Compensation – Stock Compensation (Topic 718)”. ASU 2014-12 clarifies that entities should treat performance targets that can be met after the requisite service period of a share-based payment award as performance conditions that affect vesting. Therefore, an entity would not record compensation expense (measured as of the grant date without taking into account the effect of the performance target) related to an award for which transfer to the employee is contingent on the entity’s satisfaction of a performance target until it becomes probable that the performance target will be met. No new disclosures are required under ASU 2014-12. The guidance is effective for reporting periods beginning after December 15, 2015. The effect of adopting ASU 2014-12 is not expected to have a material effect on the Company’s financial statements.

Note 2 - Fair Value of Financ16

Note 2 - Fair Value of Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2015
Fair Value Disclosures [Abstract]
Fair Value, Assets Measured on Recurring and Nonrecurring Basis [Table Text Block]	Fair Value Measurements at June 30, 2015 Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government sponsored entity securities ---- $ 8,986 ---- Agency mortgage-backed securities, residential ---- 75,977 ---- Fair Value Measurements at December 31, 2014, Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: U.S. Government sponsored entity securities ---- $ 8,917 ---- Agency mortgage-backed securities, residential ---- 76,319 ---- Fair Value Measurements at June 30, 2015, Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Commercial real estate: Owner-occupied ---- ---- $ 936 Nonowner-occupied ---- ---- 2,672 Other real estate owned: Commercial real estate: Construction ---- ---- 1,147 Fair Value Measurements at December 31, 2014, Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Commercial real estate: Owner-occupied ---- ---- $ 1,679 Nonowner-occupied ---- ---- 5,270 Commercial and industrial ---- ---- 2,532 Other real estate owned: Commercial real estate: Construction ---- ---- 1,147
Fair Value Inputs, Assets, Quantitative Information [Table Text Block]	June 30, 2015 Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) Impaired loans: Commercial real estate: Owner-occupied $ 936 Sales approach Adjustment to comparables 9.0% to 62% 28% Nonowner-occupied 2,672 Sales approach Adjustment to comparables 0% to 12.5% 5.7% Other real estate owned: Commercial real estate: Construction 1,147 Sales approach Adjustment to comparables 5% to 35% 18% December 31, 2014 Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) Impaired loans: Commercial real estate: Owner-occupied $ 1,679 Sales approach Adjustment to comparables 0.3% to 62% 18% Income approach Capitalization Rate 10% 10% Nonowner-occupied 2,597 Income approach Capitalization Rate 6.5% 6.5% Nonowner-occupied 2,673 Sales approach Adjustment to comparables 0% to 12.5% 5.7% Commercial and industrial 2,532 Sales approach Adjustment to comparables 10% to 30% 21.42% Other real estate owned: Commercial real estate: Construction 1,147 Sales approach Adjustment to comparables 5% to 35% 18%
Fair Value, by Balance Sheet Grouping [Table Text Block]	Fair Value Measurements at June 30, 2015 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 52,080 $ 52,080 $ ---- $ ---- $ 52,080 Certificates of deposit in financial institutions 980 ---- 980 ---- 980 Securities available for sale 84,963 ---- 84,963 ---- 84,963 Securities held to maturity 21,914 ---- 11,372 11,166 22,538 Federal Home Loan Bank and Federal Reserve Bank stock 6,576 N/A N/A N/A N/A Loans, net 585,455 ---- ---- 590,457 590,457 Accrued interest receivable 1,799 ---- 215 1,584 1,799 Financial liabilities: Deposits 666,288 171,656 493,906 ---- 665,562 Other borrowed funds 24,322 ---- 23,810 ---- 23,810 Subordinated debentures 8,500 ---- 5,068 ---- 5,068 Accrued interest payable 456 3 453 ---- 456 Fair Value Measurements at December 31, 2014 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 30,977 $ 30,977 $ ---- $ ---- $ 30,977 Certificates of deposit in financial institutions 980 ---- 980 ---- 980 Securities available for sale 85,236 ---- 85,236 ---- 85,236 Securities held to maturity 22,820 ---- 12,144 11,426 23,570 Federal Home Loan Bank and Federal Reserve Bank stock 6,576 N/A N/A N/A N/A Loans, net 586,434 ---- ---- 591,594 591,594 Accrued interest receivable 1,806 ---- 230 1,576 1,806 Financial liabilities: Deposits 646,830 161,784 485,503 ---- 647,287 Other borrowed funds 24,972 ---- 24,555 ---- 24,555 Subordinated debentures 8,500 ---- 4,979 ---- 4,979 Accrued interest payable 394 4 390 ---- 394

Note 3 - Securities (Tables)

Note 3 - Securities (Tables)	6 Months Ended
	Jun. 30, 2015
Note 3 - Securities (Tables) [Line Items]
Available-for-sale Securities [Table Text Block]	Securities Available for Sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value June 30, 2015 U.S. Government sponsored entity securities $ 9,015 $ 3 $ (32 ) $ 8,986 Agency mortgage-backed securities, residential 75,144 1,342 (509 ) 75,977 Total securities $ 84,159 $ 1,345 $ (541 ) $ 84,963 December 31, 2014 U.S. Government sponsored entity securities $ 9,019 $ 2 $ (104 ) $ 8,917 Agency mortgage-backed securities, residential 74,762 1,693 (136 ) 76,319 Total securities $ 83,781 $ 1,695 $ (240 ) $ 85,236
Held-to-maturity Securities [Table Text Block]	Securities Held to Maturity Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Estimated Fair Value June 30, 2015 Obligations of states and political subdivisions $ 21,906 $ 798 $ (174 ) $ 22,530 Agency mortgage-backed securities, residential 8 ---- ---- 8 Total securities $ 21,914 $ 798 $ (174 ) $ 22,538 December 31, 2014 Obligations of states and political subdivisions $ 22,811 $ 939 $ (189 ) $ 23,561 Agency mortgage-backed securities, residential 9 ---- ---- 9 Total securities $ 22,820 $ 939 $ (189 ) $ 23,570
Investments Classified by Contractual Maturity Date [Table Text Block]	Available for Sale Held to Maturity Debt Securities: Amortized Cost Estimated Fair Value Amortized Cost Estimated Fair Value Due in one year or less $ 1,002 $ 1,005 $ 410 $ 422 Due in over one to five years 8,013 7,981 6,417 6,754 Due in over five to ten years ---- ---- 11,724 12,108 Due after ten years ---- ---- 3,355 3,246 Agency mortgage-backed securities, residential 75,144 75,977 8 8 Total debt securities $ 84,159 $ 84,963 $ 21,914 $ 22,538
Schedule of Unrealized Loss on Investments [Table Text Block]	Less Than 12 Months 12 Months or More Total June 30 , 201 5 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available for Sale U.S. Government sponsored entity securities $ 3,991 $ (13 ) $ 3,989 $ (19 ) $ 7,980 $ (32 ) Agency mortgage-backed securities, residential 27,837 (406 ) 3,869 (103 ) 31,706 (509 ) Total available for sale $ 31,828 $ (419 ) $ 7,858 $ (122 ) $ 39,686 $ (541 ) Less Than 12 Months 12 Months or More Total December 31 , 201 4 Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available for Sale U.S. Government sponsored entity securities $ ---- $ ---- $ 7,911 $ (104 ) $ 7,911 $ (104 ) Agency mortgage-backed securities, residential 11,232 (20 ) 8,397 (116 ) 19,629 (136 ) Total available for sale $ 11,232 $ (20 ) $ 16,308 $ (220 ) $ 27,540 $ (240 )
Held-to-maturity Securities [Member]
Note 3 - Securities (Tables) [Line Items]
Schedule of Unrealized Loss on Investments [Table Text Block]	Less Than 12 Months 12 Months or More Total Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Securities Held to Maturity Obligations of states and political subdivisions $ 2,488 $ (29 ) $ 1,510 $ (145 ) $ 3,998 $ (174 ) Total held to maturity $ 2,488 $ (29 ) $ 1,510 $ (145 ) $ 3,998 $ (174 ) Less Than 12 Months 12 Months or More Total Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Securities Held to Maturity Obligations of states and political subdivisions $ 1,171 $ (9 ) $ 2,916 $ (180 ) $ 4,087 $ (189 ) Total held to maturity $ 1,171 $ (9 ) $ 2,919 $ (180 ) $ 4,087 $ (189 )

Note 4 - Loans and Allowance 18

Note 4 - Loans and Allowance for Loan Losses (Tables)	6 Months Ended
	Jun. 30, 2015
Receivables [Abstract]
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	Loans are comprised of the following: June 30, December 31, 2015 2014 Residential real estate $ 224,923 $ 223,628 Commercial real estate: Owner-occupied 76,081 78,848 Nonowner-occupied 73,296 71,229 Construction 24,645 27,535 Commercial and industrial 85,573 83,998 Consumer: Automobile 43,757 42,849 Home equity 20,138 18,291 Other 44,486 48,390 592,899 594,768 Less: Allowance for loan losses 7,444 8,334 Loans, net $ 585,455 $ 586,434
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]	June 30, 2015 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,465 $ 4,210 $ 1,738 $ 907 $ 8,320 Provision for loan losses (121 ) (64 ) 478 506 799 Loans charged off (126 ) (1,366 ) (22 ) (446 ) (1,960 ) Recoveries 12 15 93 165 285 Total ending allowance balance $ 1,230 $ 2,795 $ 2,287 $ 1,132 $ 7,444 June 30, 2014 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,437 $ 2,845 $ 1,331 $ 849 $ 6,462 Provision for loan losses 444 383 201 358 1,386 Loans charged off (139 ) ---- (4 ) (197 ) (340 ) Recoveries 136 48 97 139 420 Total ending allowance balance $ 1,878 $ 3,276 $ 1,625 $ 1,149 $ 7,928 June 30, 2015 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,426 $ 4,195 $ 1,602 $ 1,111 $ 8,334 Provision for loan losses (90 ) (58 ) 492 377 721 Loans charged off (223 ) (1,374 ) (24 ) (707 ) (2,328 ) Recoveries 117 32 217 351 717 Total ending allowance balance $ 1,230 $ 2,795 $ 2,287 $ 1,132 $ 7,444 June 30, 2014 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,169 $ 2,914 $ 1,279 $ 793 $ 6,155 Provision for loan losses 753 440 182 505 1,880 Loans charged off (193 ) (157 ) (4 ) (452 ) (806 ) Recoveries 149 79 168 303 699 Total ending allowance balance $ 1,878 $ 3,276 $ 1,625 $ 1,149 $ 7,928
Allowance for Loan Losses and the Recorded Investment of Loans [Table Text Block]	June 30, 2015 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ 1,168 $ 1,522 $ 4 $ 2,694 Collectively evaluated for impairment 1,230 1,627 765 1,128 4,750 Total ending allowance balance $ 1,230 $ 2,795 $ 2,287 $ 1,132 $ 7,444 Loans: Loans individually evaluated for impairment $ 1,902 $ 10,275 $ 7,510 $ 218 $ 19,905 Loans collectively evaluated for impairment 223,021 163,747 78,063 108,163 572,994 Total ending loans balance $ 224,923 $ 174,022 $ 85,573 $ 108,381 $ 592,899 December 31, 2014 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ 2,506 $ 900 $ 6 $ 3,412 Collectively evaluated for impairment 1,426 1,689 702 1,105 4,922 Total ending allowance balance $ 1,426 $ 4,195 $ 1,602 $ 1,111 $ 8,334 Loans: Loans individually evaluated for impairment $ 1,415 $ 11,711 $ 6,824 $ 219 $ 20,169 Loans collectively evaluated for impairment 222,213 165,901 77,174 109,311 574,599 Total ending loans balance $ 223,628 $ 177,612 $ 83,998 $ 109,530 $ 594,768
Schedule of Loans Individually Evaluated for Impairment [Table Text Block]	June 30, 2015 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: Commercial real estate: Owner-occupied $ 478 $ 478 $ 437 Nonowner-occupied 3,558 3,558 731 Commercial and industrial 3,325 3,325 1,522 Consumer: Home equity 218 218 4 With no related allowance recorded: Residential real estate 1,902 1,902 ---- Commercial real estate: Owner-occupied 3,133 2,587 ---- Nonowner-occupied 4,667 2,972 ---- Construction 680 680 ---- Commercial and industrial 4,219 4,185 ---- Total $ 22,180 $ 19,905 $ 2,694 December 31, 2014 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: Commercial real estate: Owner-occupied $ 1,177 $ 1,177 $ 414 Nonowner-occupied 7,656 7,656 2,092 Commercial and industrial 2,356 2,356 900 Consumer: Home equity 219 219 6 With no related allowance recorded: Residential real estate 1,415 1,415 ---- Commercial real estate: Owner-occupied 3,125 2,578 ---- Nonowner-occupied 1,298 300 ---- Commercial and industrial 4,703 4,468 ---- Total $ 21,949 $ 20,169 $ 3,412 Three months ended June 30, 2015 Six months ended June 30, 2015 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial real estate: Owner-occupied $ 478 $ ---- $ ---- $ 711 $ ---- $ ---- Nonowner-occupied 3,575 49 49 3,598 65 65 Commercial and industrial 3,185 40 40 2,909 65 65 Consumer: Home equity 218 2 2 219 4 4 With no related allowance recorded: Residential real estate 1,656 16 16 1,575 25 25 Commercial real estate: Owner-occupied 2,570 30 30 2,573 60 60 Nonowner-occupied 3,630 13 13 3,857 25 25 Construction 680 ---- ---- 453 ---- ---- Commercial and industrial 4,249 51 51 4,322 107 107 Total $ 20,241 $ 201 $ 201 $ 20,217 $ 351 $ 351 Three months ended June 30, 2014 Six months ended June 30, 2014 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Residential real estate $ 898 $ 8 $ 8 $ 902 $ 17 $ 17 Commercial real estate: Nonowner-occupied 3,317 40 40 3,330 74 74 Commercial and industrial 2,441 28 28 2,514 57 57 Consumer: Home equity 219 2 2 219 4 4 With no related allowance recorded: Residential real estate 525 6 6 526 14 14 Commercial real estate: Owner-occupied 1,387 21 21 1,255 30 30 Nonowner-occupied 5,665 76 76 5,691 151 151 Commercial and industrial 1,811 79 79 1,207 79 79 Total $ 16,263 $ 260 $ 260 $ 15,644 $ 426 $ 426
Schedule of Recorded Investment in Nonaccrual Loans [Table Text Block]	June 30, 2015 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 325 $ 3,277 Commercial real estate: Owner-occupied ---- 715 Nonowner-occupied ---- 2,672 Construction ---- 769 Commercial and industrial ---- 724 Consumer: Automobile 10 6 Home equity ---- 84 Other 5 1 Total $ 340 $ 8,248 December 31, 2014 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ ---- $ 3,768 Commercial real estate: Owner-occupied ---- 1,484 Nonowner-occupied ---- 4,013 Commercial and industrial ---- 95 Consumer: Automobile 15 18 Home equity ---- 103 Other 58 68 Total $ 73 $ 9,549
Past Due Financing Receivables [Table Text Block]	June 30, 2015 30-59 Days Past Due 60-89 Days Past Due 90 Days Or More Past Due Total Past Due Loans Not Past Due Total Residential real estate $ 2,115 $ 579 $ 3,402 $ 6,096 $ 218,827 $ 224,923 Commercial real estate: Owner-occupied 105 159 715 979 75,102 76,081 Nonowner-occupied ---- 269 2,672 2,941 70,355 73,296 Construction 111 ---- 769 880 23,765 24,645 Commercial and industrial 403 516 91 1,010 84,563 85,573 Consumer: Automobile 523 159 16 698 43,059 43,757 Home equity 68 ---- 62 130 20,008 20,138 Other 491 46 6 543 43,943 44,486 Total $ 3,816 $ 1,728 $ 7,733 $ 13,277 $ 579,622 $ 592,899 December 31, 2014 30-59 Days Past Due 60-89 Days Past Due 90 Days Or More Past Due Total Past Due Loans Not Past Due Total Residential real estate $ 3,337 $ 612 $ 3,489 $ 7,438 $ 216,190 $ 223,628 Commercial real estate: Owner-occupied 74 62 1,422 1,558 77,290 78,848 Nonowner-occupied ---- ---- ---- ---- 71,229 71,229 Construction 932 ---- ---- 932 26,603 27,535 Commercial and industrial ---- 10 24 34 83,964 83,998 Consumer: Automobile 616 149 33 798 42,051 42,849 Home equity ---- ---- 103 103 18,188 18,291 Other 655 20 126 801 47,589 48,390 Total $ 5,614 $ 853 $ 5,197 $ 11,664 $ 583,104 $ 594,768
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	TDR’s Performing to Modified Terms TDR’s Not Performing to Modified Terms Total TDR’s June 30, 2015 Residential real estate Interest only payments $ 1,007 $ ---- $ 1,007 Commercial real estate: Owner-occupied Interest only payments 517 ---- 517 Rate reduction ---- 236 236 Reduction of principal and interest payments 616 ---- 616 Maturity extension at lower stated rate than market rate 1,014 ---- 1,014 Credit extension at lower stated rate than market rate 204 ---- 204 Nonowner-occupied Interest only payments 3,456 2,672 6,128 Rate reduction 402 ---- 402 Commercial and industrial Interest only payments 6,622 ---- 6,622 Credit extension at lower stated rate than market rate 393 ---- 393 Consumer: Home equity Maturity extension at lower stated rate than market rate 218 ---- 218 Total TDR’s $ 14,449 $ 2,908 $ 17,357 TDR’s Performing to Modified Terms TDR’s Not Performing to Modified Terms Total TDR’s December 31, 2014 Residential real estate Interest only payments $ 520 $ ---- $ 520 Commercial real estate: Owner-occupied Interest only payments 457 ---- 457 Rate reduction ---- 244 244 Reduction of principal and interest payments 627 ---- 627 Maturity extension at lower stated rate than market rate 1,046 ---- 1,046 Credit extension at lower stated rate than market rate 204 ---- 204 Nonowner-occupied Interest only payments 3,535 4,013 7,548 Rate reduction 408 ---- 408 Commercial and industrial Interest only payments 6,429 ---- 6,429 Credit extension at lower stated rate than market rate 395 ---- 395 Consumer: Home equity Maturity extension at lower stated rate than market rate 219 ---- 219 Total TDR’s $ 13,840 $ 4,257 $ 18,097 TDR’s Performing to Modified Terms TDR’s Not Performing to Modified Terms Six months ended June 30, 2015 Pre-Modification Recorded Investment Post-Modification Recorded Investment Pre-Modification Recorded Investment Post-Modification Recorded Investment Residential real estate: Interest only payments $ 495 $ 495 $ ---- $ ---- Total TDR’s $ 495 $ 495 $ ---- $ ---- TDR’s Performing to Modified Terms TDR’s Not Performing to Modified Terms Six months ended June 30, 2014 Pre-Modification Recorded Investment Post-Modification Recorded Investment Pre-Modification Recorded Investment Post-Modification Recorded Investment Commercial real estate: Owner-occupied Maturity extension at lower stated rate than market rate $ 767 $ 767 $ ---- $ ---- Commercial and industrial Interest only payments 3,621 3,621 ---- ---- Total TDR’s $ 4,388 $ 4,388 $ ---- $ ----
Financing Receivable Credit Quality Indicators [Table Text Block]	June 30, 2015 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 69,108 $ 3,227 $ 3,746 $ 76,081 Nonowner-occupied 63,993 2,064 7,239 73,296 Construction 23,713 ---- 932 24,645 Commercial and industrial 76,927 639 8,007 85,573 Total $ 233,741 $ 5,930 $ 19,924 $ 259,595 December 31, 2014 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 72,232 $ 2,102 $ 4,514 $ 78,848 Nonowner-occupied 60,491 2,127 8,611 71,229 Construction 27,364 ---- 171 27,535 Commercial and industrial 76,395 495 7,108 83,998 Total $ 236,482 $ 4,724 $ 20,404 $ 261,610
Performing and Nonperforming Loans [Table Text Block]	June 30, 2015 Consumer Automobile Home Equity Other Residential Real Estate Total Performing $ 43,741 $ 20,054 $ 44,480 $ 221,321 $ 329,596 Nonperforming 16 84 6 3,602 3,708 Total $ 43,757 $ 20,138 $ 44,486 $ 224,923 $ 333,304 December 31, 2014 Consumer Automobile Home Equity Other Residential Real Estate Total Performing $ 42,816 $ 18,188 $ 48,264 $ 219,860 $ 329,128 Nonperforming 33 103 126 3,768 4,030 Total $ 42,849 $ 18,291 $ 48,390 $ 223,628 $ 333,158

Note 6 - Other Borrowed Funds (

Note 6 - Other Borrowed Funds (Tables)	6 Months Ended
	Jun. 30, 2015
Disclosure Text Block [Abstract]
Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank [Table Text Block]	FHLB Borrowings Promissory Notes Totals June 30, 2015 $ 20,531 $ 3,791 $ 24,322 December 31, 2014 $ 21,181 $ 3,791 $ 24,972
Schedule of Maturities of Long-term Debt [Table Text Block]	FHLB Borrowings Promissory Notes Totals 2015 $ 1,123 $ 2,456 $ 3,579 2016 1,594 1,335 2,929 2017 4,534 ---- 4,534 2018 1,484 ---- 1,484 2019 1,443 ---- 1,443 Thereafter 10,353 ---- 10,353 $ 20,531 $ 3,791 $ 24,322

Note 7 - Segment Information (T

Note 7 - Segment Information (Tables)	6 Months Ended
	Jun. 30, 2015
Segment Reporting [Abstract]
Schedule of Segment Reporting Information, by Segment [Table Text Block]	Three Months Ended June 30, 2015 Banking Consumer Finance Total Company Net interest income $ 7,502 $ 647 $ 8,149 Provision expense 850 (51 ) 799 Noninterest income 1,786 131 1,917 Noninterest expense 6,866 688 7,554 Tax expense 256 47 303 Net income 1,316 94 1,410 Assets 787,363 13,010 800,373 Three Months Ended June 30, 2014 Banking Consumer Finance Total Company Net interest income $ 7,560 $ 627 $ 8,187 Provision expense 1,425 (39 ) 1,386 Noninterest income 1,715 197 1,912 Noninterest expense 6,362 635 6,997 Tax expense 295 77 372 Net income 1,193 151 1,344 Assets 750,387 13,426 763,813 Six Months Ended June 30, 2015 Banking Consumer Finance Total Company Net interest income $ 15,063 $ 2,016 $ 17,079 Provision expense 675 46 721 Noninterest income 4,829 577 5,406 Noninterest expense 13,573 1,408 14,981 Tax expense 1,363 386 1,749 Net income 4,281 753 5,034 Assets 787,363 13,010 800,373 Six Months Ended June 30, 2014 Banking Consumer Finance Total Company Net interest income $ 14,981 $ 1,988 $ 16,969 Provision expense 1,800 80 1,880 Noninterest income 5,288 742 6,030 Noninterest expense 12,973 1,319 14,292 Tax expense 1,468 451 1,919 Net income 4,028 880 4,908 Assets 750,387 13,426 763,813

Note 1 - Summary of Significa21

Note 1 - Summary of Significant Accounting Policies (Details) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Accounting Policies [Abstract]
Significant Change in Unrecognized Tax Benefits is Reasonably Possible, Amount of Unrecorded Benefit (in Dollars)	$ 1.2		$ 1.2
Weighted Average Number of Shares Outstanding, Basic	4,117,675	4,098,753	4,117,675	4,098,753

Note 2 - Fair Value of Financ22

Note 2 - Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Note 2 - Fair Value of Financial Instruments (Details) [Line Items]
Selling Costs, Percentage			10.00%
Impaired Financing Receivable, Related Allowance	$ 2,694		$ 2,694		$ 3,412
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down					0
Other Real Estate	1,147		1,147		1,147
Other Real Estate, Gross					2,217
Real Estate Owned, Valuation Allowance					1,070
SEC Schedule III, Real Estate, Write-down or Reserve, Amount	0	$ 0	0	$ 0	88
Collateral Dependent Loans [Member]
Note 2 - Fair Value of Financial Instruments (Details) [Line Items]
Impaired Financing Receivable, with Related Allowance, Recorded Investment	4,045		4,045		12,773
Impaired Financing Receivable, Related Allowance	437		437		$ 3,292
Provision Reversal For Loan Losses	$ 19	127	13
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down		157	$ 1,304
Provision for Loan Losses Expensed		$ 46

Note 2 - Fair Value of Financ23

Note 2 - Fair Value of Financial Instruments (Details) - Assets and Liabilities Measured at Fair Value on a Recurring and Nonrecurring Basis - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Fair Value, Inputs, Level 2 [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Assets:
Assets measured on a recurring basis	$ 8,986	$ 8,917
Fair Value, Inputs, Level 2 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Assets:
Assets measured on a recurring basis	75,977	76,319
Fair Value, Inputs, Level 3 [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Impaired Loans [Member]
Assets:
Assets measured on a nonrecurring basis	936	1,679
Fair Value, Inputs, Level 3 [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Impaired Loans [Member]
Assets:
Assets measured on a nonrecurring basis	2,672	5,270
Fair Value, Inputs, Level 3 [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Other Real Estate Owned [Member]
Assets:
Assets measured on a nonrecurring basis	$ 1,147	1,147
Fair Value, Inputs, Level 3 [Member] | Commercial Portfolio Segment [Member] | Impaired Loans [Member]
Assets:
Assets measured on a nonrecurring basis		$ 2,532

Note 2 - Fair Value of Financ24

Note 2 - Fair Value of Financial Instruments (Details) - Level 3 Fair Value Measurements - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Commercial Real Estate Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Commercial Real Estate Owner Occupied [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value (in Dollars)	$ 936	$ 1,679
Valuation technique	Sales approach	Sales approach
Fair value (in Dollars)	$ 936	$ 1,679
Valuation technique	Sales approach	Sales approach
Commercial Real Estate Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Commercial Real Estate Nonowner Occupied [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value (in Dollars)		$ 2,673
Valuation technique		Sales approach
Fair value (in Dollars)		$ 2,673
Valuation technique		Sales approach
Commercial Real Estate Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Construction Loans [Member] | Other Real Estate Owned [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value (in Dollars)	$ 1,147	$ 1,147
Valuation technique	Sales approach	Sales approach
Fair value (in Dollars)	$ 1,147	$ 1,147
Valuation technique	Sales approach	Sales approach
Commercial Real Estate Portfolio Segment [Member] | Income Approach Valuation Technique [Member] | Commercial Real Estate Owner Occupied [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Valuation technique		Income approach
Valuation technique		Income approach
Capitalization rate		10.00%
Commercial Real Estate Portfolio Segment [Member] | Income Approach Valuation Technique [Member] | Commercial Real Estate Nonowner Occupied [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value (in Dollars)	$ 2,672	$ 2,597
Valuation technique	Sales approach	Income approach
Fair value (in Dollars)	$ 2,672	$ 2,597
Valuation technique	Sales approach	Income approach
Capitalization rate		6.50%
Commercial Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Fair value (in Dollars)		$ 2,532
Valuation technique		Sales approach
Fair value (in Dollars)		$ 2,532
Valuation technique		Sales approach
Minimum [Member] | Commercial Real Estate Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Commercial Real Estate Owner Occupied [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment to comparables	9.00%	0.30%
Minimum [Member] | Commercial Real Estate Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Commercial Real Estate Nonowner Occupied [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment to comparables		0.00%
Minimum [Member] | Commercial Real Estate Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Construction Loans [Member] | Other Real Estate Owned [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment to comparables	5.00%	5.00%
Minimum [Member] | Commercial Real Estate Portfolio Segment [Member] | Income Approach Valuation Technique [Member] | Commercial Real Estate Nonowner Occupied [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Capitalization rate	0.00%
Minimum [Member] | Commercial Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment to comparables		10.00%
Maximum [Member] | Commercial Real Estate Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Commercial Real Estate Owner Occupied [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment to comparables	62.00%	62.00%
Maximum [Member] | Commercial Real Estate Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Commercial Real Estate Nonowner Occupied [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment to comparables		12.50%
Maximum [Member] | Commercial Real Estate Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Construction Loans [Member] | Other Real Estate Owned [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment to comparables	35.00%	35.00%
Maximum [Member] | Commercial Real Estate Portfolio Segment [Member] | Income Approach Valuation Technique [Member] | Commercial Real Estate Nonowner Occupied [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Capitalization rate	12.50%
Maximum [Member] | Commercial Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment to comparables		30.00%
Weighted Average [Member] | Commercial Real Estate Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Commercial Real Estate Owner Occupied [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment to comparables	28.00%	18.00%
Weighted Average [Member] | Commercial Real Estate Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Commercial Real Estate Nonowner Occupied [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment to comparables		5.70%
Weighted Average [Member] | Commercial Real Estate Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Construction Loans [Member] | Other Real Estate Owned [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment to comparables	18.00%	18.00%
Weighted Average [Member] | Commercial Real Estate Portfolio Segment [Member] | Income Approach Valuation Technique [Member] | Commercial Real Estate Owner Occupied [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Capitalization rate		10.00%
Weighted Average [Member] | Commercial Real Estate Portfolio Segment [Member] | Income Approach Valuation Technique [Member] | Commercial Real Estate Nonowner Occupied [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Capitalization rate	5.70%	6.50%
Weighted Average [Member] | Commercial Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Impaired Loans [Member]
Fair Value Inputs, Assets, Quantitative Information [Line Items]
Adjustment to comparables		21.42%

Note 2 - Fair Value of Financ25

Note 2 - Fair Value of Financial Instruments (Details) - Fair Value Measurements - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014	Jun. 30, 2014	Dec. 31, 2013
Financial Assets:
Cash and cash equivalents, carrying value	$ 52,080	$ 30,977	$ 22,644	$ 28,344
Certificates of deposits in financial institutions, carrying value	980	980
Certificates of deposits in financial institutions, fair value	980	980
Securities available for sale, carrying value	84,963	85,236
Securities available for sale, fair value	84,963	85,236
Securities held to maturity, carrying value	21,914	22,820
Securities held to maturity, fair value	22,538	23,570
Federal Home Loan Bank and Federal Reserve Bank stock, carrying value	6,576	6,576
Loans, net, carrying value	585,455	586,434
Accrued interest receivable, carrying value	1,799	1,806
Financial liabilities:
Deposits, carrying value	666,288	646,830
Other borrowed funds, carrying value	24,322	24,972
Subordinated debentures, carrying value	8,500	8,500
Accrued interest payable, carrying value	456	394
Estimate of Fair Value Measurement [Member]
Financial Assets:
Cash and cash equivalents, fair value	52,080	30,977
Certificates of deposits in financial institutions, carrying value	980	980
Certificates of deposits in financial institutions, fair value	980	980
Securities available for sale, carrying value	84,963	85,236
Securities available for sale, fair value	84,963	85,236
Securities held to maturity, fair value	$ 22,538	$ 23,570
Federal Home Loan Bank and Federal Reserve Bank stock, fair value
Loans, net, fair value	$ 590,457	$ 591,594
Accrued interest receivable, fair value	1,799	1,806
Financial liabilities:
Deposits, fair value	665,562	647,287
Other borrowed funds, fair value	23,810	24,555
Subordinated debentures, fair value	5,068	4,979
Accrued interest payable, fair value	456	394
Fair Value, Inputs, Level 1 [Member]
Financial Assets:
Cash and cash equivalents, fair value	$ 52,080	$ 30,977
Federal Home Loan Bank and Federal Reserve Bank stock, fair value
Financial liabilities:
Deposits, fair value	$ 171,656	$ 161,784
Accrued interest payable, fair value	3	4
Fair Value, Inputs, Level 2 [Member]
Financial Assets:
Certificates of deposits in financial institutions, carrying value	980	980
Certificates of deposits in financial institutions, fair value	980	980
Securities available for sale, carrying value	84,963	85,236
Securities available for sale, fair value	84,963	85,236
Securities held to maturity, fair value	$ 11,372	$ 12,144
Federal Home Loan Bank and Federal Reserve Bank stock, fair value
Accrued interest receivable, fair value	$ 215	$ 230
Financial liabilities:
Deposits, fair value	493,906	485,503
Other borrowed funds, fair value	23,810	24,555
Subordinated debentures, fair value	5,068	4,979
Accrued interest payable, fair value	453	390
Fair Value, Inputs, Level 3 [Member]
Financial Assets:
Securities held to maturity, fair value	$ 11,166	$ 11,426
Federal Home Loan Bank and Federal Reserve Bank stock, fair value
Loans, net, fair value	$ 590,457	$ 591,594
Accrued interest receivable, fair value	$ 1,584	$ 1,576

Note 3 - Securities (Details)

Note 3 - Securities (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Investments, Debt and Equity Securities [Abstract]
Proceeds from Sale of Available-for-sale Securities	$ 8,792	$ 0	$ 8,792	$ 0
Available-for-sale Securities, Gross Realized Gains	$ 135		135
Other than Temporary Impairment Losses, Investments			$ 0		$ 0

Note 3 - Securities (Details) -

Note 3 - Securities (Details) - Securities Available-for-Sale - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	$ 84,159	$ 83,781
Gross Unrealized Gains	1,345	1,695
Gross Unrealized Losses	(541)	(240)
Estimated Fair Value	84,963	85,236
US Government-sponsored Enterprises Debt Securities [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	9,015	9,019
Gross Unrealized Gains	3	2
Gross Unrealized Losses	(32)	(104)
Estimated Fair Value	8,986	8,917
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Schedule of Available-for-sale Securities [Line Items]
Amortized Cost	75,144	74,762
Gross Unrealized Gains	1,342	1,693
Gross Unrealized Losses	(509)	(136)
Estimated Fair Value	$ 75,977	$ 76,319

Note 3 - Securities (Details)28

Note 3 - Securities (Details) - Securities Held-to-Maturity - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	$ 21,914	$ 22,820
Gross Unrecognized Gains	798	939
Gross Unrecognized Losses	(174)	(189)
Estimated Fair Value	22,538	23,570
US States and Political Subdivisions Debt Securities [Member]
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	21,906	22,811
Gross Unrecognized Gains	798	939
Gross Unrecognized Losses	(174)	(189)
Estimated Fair Value	22,530	23,561
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Schedule of Held-to-maturity Securities [Line Items]
Amortized Cost	8	9
Estimated Fair Value	$ 8	$ 9

Note 3 - Securities (Details)29

Note 3 - Securities (Details) - Securities by Contractual Maturity - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Securities by Contractual Maturity [Abstract]
Due in one year or less	$ 1,002
Due in one year or less	1,005
Due in one year or less	410
Due in one year or less	422
Due in over one to five years	6,417
Due in over one to five years	6,754
Due in over one to five years	8,013
Due in over one to five years	7,981
Due in over five to ten years	11,724
Due in over five to ten years	12,108
Due after ten years	3,355
Due after ten years	3,246
Agency mortgage-backed securities, residential	75,144
Agency mortgage-backed securities, residential	75,977
Agency mortgage-backed securities, residential	8
Agency mortgage-backed securities, residential	8
Total debt securities	84,159
Total debt securities	84,963
Total debt securities	21,914	$ 22,820
Total debt securities	$ 22,538	$ 23,570

Note 3 - Securities (Details)30

Note 3 - Securities (Details) - Securities Available-for-Sale with Unrealized Losses - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Securities Available for Sale
Less than 12 Months - Fair Value	$ 31,828	$ 11,232
Less than 12 Months - Unrealized Loss	(419)	(20)
Fair Value	39,686	27,540
Unrealized Loss	(541)	(240)
12 Months or More - Fair Value	7,858	16,308
12 Months or More - Unrealized Loss	(122)	(220)
US Government-sponsored Enterprises Debt Securities [Member]
Securities Available for Sale
Less than 12 Months - Fair Value	3,991
Less than 12 Months - Unrealized Loss	(13)
Fair Value	7,980	7,911
Unrealized Loss	(32)	(104)
12 Months or More - Fair Value	3,989	7,911
12 Months or More - Unrealized Loss	(19)	(104)
Mortgage-backed Securities, Issued by Private Enterprises [Member]
Securities Available for Sale
Less than 12 Months - Fair Value	27,837	11,232
Less than 12 Months - Unrealized Loss	(406)	(20)
Fair Value	31,706	19,629
Unrealized Loss	(509)	(136)
12 Months or More - Fair Value	3,869	8,397
12 Months or More - Unrealized Loss	$ (103)	$ (116)

Note 3 - Securities (Details)31

Note 3 - Securities (Details) - Securities Held to Maturity with Unrealized Losses - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Securities Held to Maturity
Less Than 12 Months - Fair Value	$ 2,488	$ 1,171
Less Than 12 Months - Unrecognized Loss	(29)	(9)
12 Months or More - Fair Value	1,510	2,919
12 Months or More - Unrecognized Loss	(145)	(180)
Fair Value	3,998	4,087
Unrecognized Loss	(174)	(189)
US States and Political Subdivisions Debt Securities [Member]
Securities Held to Maturity
Less Than 12 Months - Fair Value	2,488	1,171
Less Than 12 Months - Unrecognized Loss	(29)	(9)
12 Months or More - Fair Value	1,510	2,916
12 Months or More - Unrecognized Loss	(145)	(180)
Fair Value	3,998	4,087
Unrecognized Loss	$ (174)	$ (189)

Note 4 - Loans and Allowance 32

Note 4 - Loans and Allowance for Loan Losses (Details) $ in Thousands	3 Months Ended	6 Months Ended		12 Months Ended
	Jun. 30, 2015USD ($)	Jun. 30, 2015USD ($)	Jun. 30, 2014USD ($)	Dec. 31, 2014USD ($)
Note 4 - Loans and Allowance for Loan Losses (Details) [Line Items]
Allowance for Loan and Lease Losses, Period Increase (Decrease)		$ 68	$ (194)
Allowance for Loan and Lease Losses, Write-offs		$ 1,304	$ 0
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down				$ 0
Change in Troubled Debt Restructurings		4.10%
Financing Receivable, Modifications, Recorded Investment	$ 17,357	$ 17,357		18,097
Impaired Financing Receivable, Related Allowance	2,694	2,694		3,412
Loans and Leases Receivable, Impaired, Commitment to Lend	1,678	$ 1,678		1,871
Financing Receivable, Modifications, Subsequent Default, Number of Contracts		0	0
Minimum Loan Balance for Loans Evaluated by Risk Categories	500	$ 500
Nonperforming Financial Instruments [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) [Line Items]
Financing Receivable, Modifications, Recorded Investment	$ 2,908	2,908		4,257
Troubled Debt Restructurings [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) [Line Items]
Allowance for Loan and Lease Losses, Period Increase (Decrease)				$ 623
Increase (Decrease) in Other Loans		$ (740)
Percentage of Loan Portfolio	83.00%	83.00%		77.00%
Impaired Financing Receivable, Related Allowance	$ 1,762	$ 1,762		$ 2,998
Unsecured [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) [Line Items]
Percentage of Loan Portfolio	5.70%	5.70%		5.66%
Residential Portfolio Segment [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) [Line Items]
Real Estate Acquired Through Foreclosure	$ 350	$ 350		$ 368
Mortgage Loans in Process of Foreclosure, Amount	2,010	$ 2,010		1,692
Financing Receivable, Modifications, Post-Modification Recorded Investment	$ 495
Commercial Real Estate Portfolio Segment [Member] | Additional Impairment [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) [Line Items]
Impaired Financing Receivable, Related Allowance				1,340
Commercial Real Estate Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) [Line Items]
Financing Receivable, Modifications, Recorded Investment				$ 4,013

Note 4 - Loans and Allowance 33

Note 4 - Loans and Allowance for Loan Losses (Details) - Loans - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 592,899	$ 594,768
Less: Allowance for loan losses	7,444	8,334
Loans, net	585,455	586,434
Residential Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	224,923	223,628
Commercial Real Estate Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	174,022	177,612
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	76,081	78,848
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	73,296	71,229
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	24,645	27,535
Commercial Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	85,573	83,998
Consumer Portfolio Segment [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	108,381	109,530
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	43,757	42,849
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	20,138	18,291
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Loans	$ 44,486	$ 48,390

Note 4 - Loans and Allowance 34

Note 4 - Loans and Allowance for Loan Losses (Details) - Allowance for Loan Losses Activity by Portfolio Segment - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014
Allowance for loan losses:
Beginning balance	$ 8,320	$ 6,462	$ 8,334	$ 6,155
Provision for loan losses	799	1,386	721	1,880
Loans charged off	(1,960)	(340)	(2,328)	(806)
Recoveries	285	420	717	699
Total ending allowance balance	7,444	7,928	7,444	7,928
Residential Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	1,465	1,437	1,426	1,169
Provision for loan losses	(121)	444	(90)	753
Loans charged off	(126)	(139)	(223)	(193)
Recoveries	12	136	117	149
Total ending allowance balance	1,230	1,878	1,230	1,878
Commercial Real Estate Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	4,210	2,845	4,195	2,914
Provision for loan losses	(64)	383	(58)	440
Loans charged off	(1,366)		(1,374)	(157)
Recoveries	15	48	32	79
Total ending allowance balance	2,795	3,276	2,795	3,276
Commercial Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	1,738	1,331	1,602	1,279
Provision for loan losses	478	201	492	182
Loans charged off	(22)	(4)	(24)	(4)
Recoveries	93	97	217	168
Total ending allowance balance	2,287	1,625	2,287	1,625
Consumer Portfolio Segment [Member]
Allowance for loan losses:
Beginning balance	907	849	1,111	793
Provision for loan losses	506	358	377	505
Loans charged off	(446)	(197)	(707)	(452)
Recoveries	165	139	351	303
Total ending allowance balance	$ 1,132	$ 1,149	$ 1,132	$ 1,149

Note 4 - Loans and Allowance 35

Note 4 - Loans and Allowance for Loan Losses (Details) - Allowance for Loan Losses and the Recorded Investment of Loans Based On Impairment Method - USD ($) $ in Thousands	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2014	Jun. 30, 2014	Mar. 31, 2014	Dec. 31, 2013
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$ 2,694		$ 3,412
Collectively evaluated for impairment	4,750		4,922
Total ending allowance balance	7,444	$ 8,320	8,334	$ 7,928	$ 6,462	$ 6,155
Loans:
Loans individually evaluated for impairment	19,905		20,169
Loans collectively evaluated for impairment	572,994		574,599
Total ending loans balance	592,899		594,768
Residential Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Collectively evaluated for impairment	1,230		1,426
Total ending allowance balance	1,230	1,465	1,426	1,878	1,437	1,169
Loans:
Loans individually evaluated for impairment	1,902		1,415
Loans collectively evaluated for impairment	223,021		222,213
Total ending loans balance	224,923		223,628
Commercial Real Estate Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Individually evaluated for impairment	1,168		2,506
Collectively evaluated for impairment	1,627		1,689
Total ending allowance balance	2,795	4,210	4,195	3,276	2,845	2,914
Loans:
Loans individually evaluated for impairment	10,275		11,711
Loans collectively evaluated for impairment	163,747		165,901
Total ending loans balance	174,022		177,612
Commercial Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Individually evaluated for impairment	1,522		900
Collectively evaluated for impairment	765		702
Total ending allowance balance	2,287	1,738	1,602	1,625	1,331	1,279
Loans:
Loans individually evaluated for impairment	7,510		6,824
Loans collectively evaluated for impairment	78,063		77,174
Total ending loans balance	85,573		83,998
Consumer Portfolio Segment [Member]
Ending allowance balance attributable to loans:
Individually evaluated for impairment	4		6
Collectively evaluated for impairment	1,128		1,105
Total ending allowance balance	1,132	$ 907	1,111	$ 1,149	$ 849	$ 793
Loans:
Loans individually evaluated for impairment	218		219
Loans collectively evaluated for impairment	108,163		109,311
Total ending loans balance	$ 108,381		$ 109,530

Note 4 - Loans and Allowance 36

Note 4 - Loans and Allowance for Loan Losses (Details) - Loans Individually Evaluated for Impairment - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
With an allowance recorded:
Allowance for loan losses allocated	$ 2,694		$ 2,694		$ 3,412
With no related allowance recorded:
Unpaid principal balance	22,180		22,180		21,949
Recorded investment	19,905		19,905		20,169
Allowance for loan losses allocated	2,694		2,694		3,412
Average impaired loans	20,241	$ 16,263	20,217	$ 15,644
Interest income recognized	201	260	351	426
Cash basis interest recognized	201	260	351	426
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
With an allowance recorded:
Unpaid principal balance with an allowance recorded	478		478		1,177
Recorded investment with an allowance recorded	478		478		1,177
Allowance for loan losses allocated	437		437		414
Average impaired loans with an allowance recorded	478		711
With no related allowance recorded:
Unpaid principal balance with no related allowance recorded	3,133		3,133		3,125
Recorded investment with no related allowance recorded	2,587		2,587		2,578
Average impaired loans with no related allowance recorded	2,570	1,387	2,573	1,255
Interest income recognized with no related allowance recorded	30	21	60	30
Cash basis interest recognized with no related allowance recorded	30	21	60	30
Allowance for loan losses allocated	437		437		414
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
With an allowance recorded:
Unpaid principal balance with an allowance recorded	3,558		3,558		7,656
Recorded investment with an allowance recorded	3,558		3,558		7,656
Allowance for loan losses allocated	731		731		2,092
Average impaired loans with an allowance recorded	3,575	3,317	3,598	3,330
Interest income recognized with an allowance recorded	49	40	65	74
Cash basis interest recognized with an allowance recorded	49	40	65	74
With no related allowance recorded:
Unpaid principal balance with no related allowance recorded	4,667		4,667		1,298
Recorded investment with no related allowance recorded	2,972		2,972		300
Average impaired loans with no related allowance recorded	3,630	5,665	3,857	5,691
Interest income recognized with no related allowance recorded	13	76	25	151
Cash basis interest recognized with no related allowance recorded	13	76	25	151
Allowance for loan losses allocated	731		731		2,092
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
With no related allowance recorded:
Unpaid principal balance with no related allowance recorded	680		680
Recorded investment with no related allowance recorded	680		680
Average impaired loans with no related allowance recorded	680		453
Commercial Portfolio Segment [Member]
With an allowance recorded:
Unpaid principal balance with an allowance recorded	3,325		3,325		2,356
Recorded investment with an allowance recorded	3,325		3,325		2,356
Allowance for loan losses allocated	1,522		1,522		900
Average impaired loans with an allowance recorded	3,185	2,441	2,909	2,514
Interest income recognized with an allowance recorded	40	28	65	57
Cash basis interest recognized with an allowance recorded	40	28	65	57
With no related allowance recorded:
Unpaid principal balance with no related allowance recorded	4,219		4,219		4,703
Recorded investment with no related allowance recorded	4,185		4,185		4,468
Average impaired loans with no related allowance recorded	4,249	1,811	4,322	1,207
Interest income recognized with no related allowance recorded	51	79	107	79
Cash basis interest recognized with no related allowance recorded	51	79	107	79
Allowance for loan losses allocated	1,522		1,522		900
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
With an allowance recorded:
Unpaid principal balance with an allowance recorded	218		218		219
Recorded investment with an allowance recorded	218		218		219
Allowance for loan losses allocated	4		4		6
Average impaired loans with an allowance recorded	218	219	219	219
Interest income recognized with an allowance recorded	2	2	4	4
Cash basis interest recognized with an allowance recorded	2	2	4	4
With no related allowance recorded:
Allowance for loan losses allocated	4		4		6
Residential Portfolio Segment [Member]
With an allowance recorded:
Average impaired loans with an allowance recorded		898		902
Interest income recognized with an allowance recorded		8		17
Cash basis interest recognized with an allowance recorded		8		17
With no related allowance recorded:
Unpaid principal balance with no related allowance recorded	1,902		1,902		1,415
Recorded investment with no related allowance recorded	1,902		1,902		$ 1,415
Average impaired loans with no related allowance recorded	1,656	525	1,575	526
Interest income recognized with no related allowance recorded	16	6	25	14
Cash basis interest recognized with no related allowance recorded	$ 16	$ 6	$ 25	$ 14

Note 4 - Loans and Allowance 37

Note 4 - Loans and Allowance for Loan Losses (Details) - Nonaccrual Loans and Loans Past Due 90 Days Or More and Still Accruing - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Residential Portfolio Segment [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Nonaccrual Loans and Loans Past Due 90 Days Or More and Still Accruing [Line Items]
Loans past due 90 days and still accruing	$ 325
Nonaccrual	3,277	$ 3,768
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Nonaccrual Loans and Loans Past Due 90 Days Or More and Still Accruing [Line Items]
Nonaccrual	715	1,484
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Nonaccrual Loans and Loans Past Due 90 Days Or More and Still Accruing [Line Items]
Nonaccrual	2,672	4,013
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Nonaccrual Loans and Loans Past Due 90 Days Or More and Still Accruing [Line Items]
Nonaccrual	769
Commercial Portfolio Segment [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Nonaccrual Loans and Loans Past Due 90 Days Or More and Still Accruing [Line Items]
Nonaccrual	724	95
Consumer Portfolio Segment [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Nonaccrual Loans and Loans Past Due 90 Days Or More and Still Accruing [Line Items]
Loans past due 90 days and still accruing	340	73
Nonaccrual	8,248	9,549
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Nonaccrual Loans and Loans Past Due 90 Days Or More and Still Accruing [Line Items]
Loans past due 90 days and still accruing	10	15
Nonaccrual	6	18
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Nonaccrual Loans and Loans Past Due 90 Days Or More and Still Accruing [Line Items]
Nonaccrual	84	103
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Nonaccrual Loans and Loans Past Due 90 Days Or More and Still Accruing [Line Items]
Loans past due 90 days and still accruing	5	58
Nonaccrual	$ 1	$ 68

Note 4 - Loans and Allowance 38

Note 4 - Loans and Allowance for Loan Losses (Details) - Past Due Loans - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	$ 13,277	$ 11,664
Loans, current	579,622	583,104
Loans, total	592,899	594,768
Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	3,816	5,614
Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	1,728	853
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	7,733	5,197
Residential Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	6,096	7,438
Loans, current	218,827	216,190
Loans, total	224,923	223,628
Residential Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	2,115	3,337
Residential Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	579	612
Residential Portfolio Segment [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	3,402	3,489
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, total	174,022	177,612
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	979	1,558
Loans, current	75,102	77,290
Loans, total	76,081	78,848
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	105	74
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	159	62
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	715	1,422
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	2,941
Loans, current	70,355	71,229
Loans, total	73,296	71,229
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	269
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	2,672
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	880	932
Loans, current	23,765	26,603
Loans, total	24,645	27,535
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	111	932
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	769
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	1,010	34
Loans, current	84,563	83,964
Loans, total	85,573	83,998
Commercial Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	403
Commercial Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	516	10
Commercial Portfolio Segment [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	91	24
Consumer Portfolio Segment [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans, total	108,381	109,530
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	698	798
Loans, current	43,059	42,051
Loans, total	43,757	42,849
Consumer Portfolio Segment [Member] | Automobile Loan [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	523	616
Consumer Portfolio Segment [Member] | Automobile Loan [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	159	149
Consumer Portfolio Segment [Member] | Automobile Loan [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	16	33
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	130	103
Loans, current	20,008	18,188
Loans, total	20,138	18,291
Consumer Portfolio Segment [Member] | Home Equity Loan [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	68
Consumer Portfolio Segment [Member] | Home Equity Loan [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	62	103
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	543	801
Loans, current	43,943	47,589
Loans, total	44,486	48,390
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	491	655
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	46	20
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Financing Receivable, Recorded Investment, Past Due [Line Items]
Loans past due	$ 6	$ 126

Note 4 - Loans and Allowance 39

Note 4 - Loans and Allowance for Loan Losses (Details) - TDR Loan Modifications - USD ($) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2015	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	$ 17,357	$ 17,357		$ 18,097
Performing Financial Instruments [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	14,449	14,449		13,840
Pre-Modification Recorded Investment		495	$ 4,388
Post-Modification Recorded Investment		495	4,388
Nonperforming Financial Instruments [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	2,908	2,908		4,257
Residential Portfolio Segment [Member]
Financing Receivable, Modifications [Line Items]
Post-Modification Recorded Investment	495
Residential Portfolio Segment [Member] | Interest Only Payments [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	1,007	1,007		520
Residential Portfolio Segment [Member] | Performing Financial Instruments [Member] | Interest Only Payments [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	1,007	1,007		520
Pre-Modification Recorded Investment		495
Post-Modification Recorded Investment		495
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Interest Only Payments [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	517	517		457
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Contractual Interest Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	236	236		244
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Reduction of Principal and Interest Payments [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	616	616		627
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Extended Maturity [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	1,014	1,014		1,046
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Interest Rate Below Market Reduction [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	204	204		204
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Interest Only Payments [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	6,128	6,128		7,548
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Contractual Interest Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	402	402		408
Commercial Real Estate Portfolio Segment [Member] | Performing Financial Instruments [Member] | Commercial Real Estate Owner Occupied [Member] | Interest Only Payments [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	517	517		457
Commercial Real Estate Portfolio Segment [Member] | Performing Financial Instruments [Member] | Commercial Real Estate Owner Occupied [Member] | Reduction of Principal and Interest Payments [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	616	616		627
Commercial Real Estate Portfolio Segment [Member] | Performing Financial Instruments [Member] | Commercial Real Estate Owner Occupied [Member] | Extended Maturity [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	1,014	1,014		1,046
Pre-Modification Recorded Investment			767
Post-Modification Recorded Investment			767
Commercial Real Estate Portfolio Segment [Member] | Performing Financial Instruments [Member] | Commercial Real Estate Owner Occupied [Member] | Interest Rate Below Market Reduction [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	204	204		204
Commercial Real Estate Portfolio Segment [Member] | Performing Financial Instruments [Member] | Commercial Real Estate Nonowner Occupied [Member] | Interest Only Payments [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	3,456	3,456		3,535
Commercial Real Estate Portfolio Segment [Member] | Performing Financial Instruments [Member] | Commercial Real Estate Nonowner Occupied [Member] | Contractual Interest Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	402	402		408
Commercial Real Estate Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings				4,013
Commercial Real Estate Portfolio Segment [Member] | Nonperforming Financial Instruments [Member] | Commercial Real Estate Owner Occupied [Member] | Contractual Interest Rate Reduction [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	236	236		244
Commercial Real Estate Portfolio Segment [Member] | Nonperforming Financial Instruments [Member] | Commercial Real Estate Nonowner Occupied [Member] | Interest Only Payments [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	2,672	2,672		4,013
Commercial Portfolio Segment [Member] | Interest Only Payments [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	6,622	6,622		6,429
Commercial Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	393	393		395
Commercial Portfolio Segment [Member] | Performing Financial Instruments [Member] | Interest Only Payments [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	6,622	6,622		6,429
Pre-Modification Recorded Investment			3,621
Post-Modification Recorded Investment			$ 3,621
Commercial Portfolio Segment [Member] | Performing Financial Instruments [Member] | Interest Rate Below Market Reduction [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	393	393		395
Consumer Portfolio Segment [Member] | Home Equity Loan [Member] | Extended Maturity [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	218	218		219
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member] | Home Equity Loan [Member] | Extended Maturity [Member]
Financing Receivable, Modifications [Line Items]
Trouble Debt Restructurings	$ 218	$ 218		$ 219

Note 4 - Loans and Allowance 40

Note 4 - Loans and Allowance for Loan Losses (Details) - Risk Category of Commercial Loans by Class of Loans - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	$ 259,595	$ 261,610
Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	233,741	236,482
Criticized [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	5,930	4,724
Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	19,924	20,404
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	76,081	78,848
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	69,108	72,232
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Criticized [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	3,227	2,102
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	3,746	4,514
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	73,296	71,229
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	63,993	60,491
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Criticized [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	2,064	2,127
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	7,239	8,611
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	24,645	27,535
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	23,713	27,364
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	932	171
Commercial Portfolio Segment [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	85,573	83,998
Commercial Portfolio Segment [Member] | Pass [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	76,927	76,395
Commercial Portfolio Segment [Member] | Criticized [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	639	495
Commercial Portfolio Segment [Member] | Classified [Member]
Financing Receivable, Recorded Investment [Line Items]
Loans receivable	$ 8,007	$ 7,108

Note 4 - Loans and Allowance 41

Note 4 - Loans and Allowance for Loan Losses (Details) - Recorded Investment of Residential and Consumer Loans - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Note 4 - Loans and Allowance for Loan Losses (Details) - Recorded Investment of Residential and Consumer Loans [Line Items]
Loans receivable	$ 333,304	$ 333,158
Performing Financial Instruments [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Recorded Investment of Residential and Consumer Loans [Line Items]
Loans receivable	329,596	329,128
Nonperforming Financial Instruments [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Recorded Investment of Residential and Consumer Loans [Line Items]
Loans receivable	3,708	4,030
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Recorded Investment of Residential and Consumer Loans [Line Items]
Loans receivable	43,757	42,849
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Recorded Investment of Residential and Consumer Loans [Line Items]
Loans receivable	20,138	18,291
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Recorded Investment of Residential and Consumer Loans [Line Items]
Loans receivable	44,486	48,390
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member] | Automobile Loan [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Recorded Investment of Residential and Consumer Loans [Line Items]
Loans receivable	43,741	42,816
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member] | Home Equity Loan [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Recorded Investment of Residential and Consumer Loans [Line Items]
Loans receivable	20,054	18,188
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member] | Other Consumer Loans [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Recorded Investment of Residential and Consumer Loans [Line Items]
Loans receivable	44,480	48,264
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member] | Automobile Loan [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Recorded Investment of Residential and Consumer Loans [Line Items]
Loans receivable	16	33
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member] | Home Equity Loan [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Recorded Investment of Residential and Consumer Loans [Line Items]
Loans receivable	84	103
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member] | Other Consumer Loans [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Recorded Investment of Residential and Consumer Loans [Line Items]
Loans receivable	6	126
Residential Portfolio Segment [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Recorded Investment of Residential and Consumer Loans [Line Items]
Loans receivable	224,923	223,628
Residential Portfolio Segment [Member] | Performing Financial Instruments [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Recorded Investment of Residential and Consumer Loans [Line Items]
Loans receivable	221,321	219,860
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Note 4 - Loans and Allowance for Loan Losses (Details) - Recorded Investment of Residential and Consumer Loans [Line Items]
Loans receivable	$ 3,602	$ 3,768

Note 5 - Financial Instrument42

Note 5 - Financial Instruments With Off-balance Sheet Risk (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Risks and Uncertainties [Abstract]
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 57,558	$ 55,344

Note 6 - Other Borrowed Funds43

Note 6 - Other Borrowed Funds (Details) - USD ($)	6 Months Ended
	Jun. 30, 2015	Dec. 31, 2014
Note 6 - Other Borrowed Funds (Details) [Line Items]
Federal Home Loan Bank, Advances, Maturities Summary, Fixed Rate	$ 20,531,000
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Interest Rate, Range from	1.34%
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Interest Rate, Range to	3.31%
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Weighted Average Interest Rate	2.09%
Federal Home Loan Bank, Advances, Maturities Summary, Floating Rate	$ 0
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available	174,081,000
Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds	115,749,000
Federal Home Loan Bank, Advances, Maturities Summary, Due in Next Twelve Months	$ 75,000,000
Debt Instrument, Interest Rate, Stated Percentage Rate Range, Minimum	1.15%
Debt Instrument, Interest Rate, Stated Percentage Rate Range, Maximum	1.50%
Notes Payable, Related Parties	$ 0
Residential Mortgage [Member]
Note 6 - Other Borrowed Funds (Details) [Line Items]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	215,102,000
Commercial Loan [Member]
Note 6 - Other Borrowed Funds (Details) [Line Items]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	82,900,000
FHLB Stock [Member]
Note 6 - Other Borrowed Funds (Details) [Line Items]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	5,081,000
FHLB Line of Credit [Member]
Note 6 - Other Borrowed Funds (Details) [Line Items]
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available	75,000,000
Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds	75,000,000
Letters of Credit Outstanding, Amount	$ 37,800,000	$ 29,500,000

Note 6 - Other Borrowed Funds44

Note 6 - Other Borrowed Funds (Details) - Other Borrowed Funds - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Other borrowed funds	$ 24,322	$ 24,972
Federal Home Loan Bank Advances [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Other borrowed funds	20,531	21,181
Promissory Notes [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank [Line Items]
Other borrowed funds	$ 3,791	$ 3,791

Note 6 - Other Borrowed Funds45

Note 6 - Other Borrowed Funds (Details) - Scheduled Principal Payments - USD ($) $ in Thousands	Jun. 30, 2015	Dec. 31, 2014
Note 6 - Other Borrowed Funds (Details) - Scheduled Principal Payments [Line Items]
2,015	$ 3,579
2,016	2,929
2,017	4,534
2,018	1,484
2,019	1,443
Thereafter	10,353
	24,322	$ 24,972
Federal Home Loan Bank Advances [Member]
Note 6 - Other Borrowed Funds (Details) - Scheduled Principal Payments [Line Items]
2,015	1,123
2,016	1,594
2,017	4,534
2,018	1,484
2,019	1,443
Thereafter	10,353
	20,531	21,181
Promissory Notes [Member]
Note 6 - Other Borrowed Funds (Details) - Scheduled Principal Payments [Line Items]
2,015	2,456
2,016	1,335
	$ 3,791	$ 3,791

Note 7 - Segment Information (D

Note 7 - Segment Information (Details)	3 Months Ended
	Jun. 30, 2015	Jun. 30, 2014
Sales Revenue, Net [Member] | Customer Concentration Risk [Member] | Banking [Member]
Note 7 - Segment Information (Details) [Line Items]
Concentration Risk, Percentage	88.90%	88.60%

Note 7 - Segment Information 47

Note 7 - Segment Information (Details) - Segment Reporting - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2015	Jun. 30, 2014	Jun. 30, 2015	Jun. 30, 2014	Dec. 31, 2014
Segment Reporting Information [Line Items]
Net interest income	$ 8,149	$ 8,187	$ 17,079	$ 16,969
Provision expense	799	1,386	721	1,880
Noninterest income	1,917	1,912	5,406	6,030
Noninterest expense	7,554	6,997	14,981	14,292
Tax expense	303	372	1,749	1,919
Net income	1,410	1,344	5,034	4,908
Assets	800,373	763,813	800,373	763,813	$ 778,668
Banking [Member]
Segment Reporting Information [Line Items]
Net interest income	7,502	7,560	15,063	14,981
Provision expense	850	1,425	675	1,800
Noninterest income	1,786	1,715	4,829	5,288
Noninterest expense	6,866	6,362	13,573	12,973
Tax expense	256	295	1,363	1,468
Net income	1,316	1,193	4,281	4,028
Assets	787,363	750,387	787,363	750,387
Consumer Finance [Member]
Segment Reporting Information [Line Items]
Net interest income	647	627	2,016	1,988
Provision expense	(51)	(39)	46	80
Noninterest income	131	197	577	742
Noninterest expense	688	635	1,408	1,319
Tax expense	47	77	386	451
Net income	94	151	753	880
Assets	$ 13,010	$ 13,426	$ 13,010	$ 13,426