Ohio Valley Banc (OVBC) 10-K 16 Mar 18 2017 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2017	Feb. 28, 2018	Jun. 30, 2017
Document Information [Line Items]
Entity Registrant Name	OHIO VALLEY BANC CORP
Entity Central Index Key	894,671
Trading Symbol	ovbc
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Entity Common Stock, Shares Outstanding (in shares)		4,719,783
Entity Public Float			$ 144,879,867
Document Type	10-K
Document Period End Date	Dec. 31, 2017
Document Fiscal Year Focus	2,017
Document Fiscal Period Focus	FY
Amendment Flag	false

Consolidated Statements of Cond

Consolidated Statements of Condition - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Assets
Cash and noninterest-bearing deposits with banks	$ 12,664	$ 12,512
Interest-bearing deposits with banks	61,909	27,654
Total cash and cash equivalents	74,573	40,166
Certificates of deposit in financial institutions	1,820	1,670
Securities available for sale	101,125	96,490
Securities held to maturity (estimated fair value: 2017 - $18,079; 2016 - $19,171)	17,581	18,665
Restricted investments in bank stocks	7,506	7,506
Total loans	769,319	734,901
Less: Allowance for loan losses	(7,499)	(7,699)
Net loans	761,820	727,202
Premises and equipment, net	13,281	12,783
Other real estate owned	1,574	2,129
Accrued interest receivable	2,503	2,315
Goodwill	7,371	7,801
Other intangible assets, net	514	670
Bank owned life insurance and annuity assets	28,675	29,349
Other assets	7,947	7,894
Total assets	1,026,290	954,640
Liabilities
Noninterest-bearing deposits	253,655	209,576
Interest-bearing deposits	603,069	580,876
Total deposits	856,724	790,452
Other borrowed funds	35,949	37,085
Subordinated debentures	8,500	8,500
Accrued liabilities	15,756	14,075
Total liabilities	916,929	850,112
Commitments and Contingent Liabilities (See Note L)
Shareholders’ Equity
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 2017 – 5,362,005 shares issued; 2016 - 5,325,504 shares issued)	5,362	5,326
Additional paid-in capital	47,895	46,788
Retained earnings	72,694	69,117
Accumulated other comprehensive loss	(878)	(991)
Treasury stock, at cost (659,739 shares)	(15,712)	(15,712)
Total shareholders’ equity	109,361	104,528
Total liabilities and shareholders’ equity	$ 1,026,290	$ 954,640

Consolidated Statements of Con3

Consolidated Statements of Condition (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Securities held to maturity, fair value	$ 18,079	$ 19,171
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares issued (in shares)	5,362,005	5,325,504
Treasury stock, shares (in shares)	659,739	659,739

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Interest and dividend income:
Loans, including fees	$ 42,182	$ 36,266	$ 33,481
Securities:
Taxable	2,116	1,961	1,849
Tax exempt	411	445	526
Dividends	392	302	293
Other interest	607	374	185
	45,708	39,348	36,334
Expenses:
Deposits	2,843	2,154	2,191
Other borrowed funds	884	664	478
Subordinated debentures	248	204	170
	3,975	3,022	2,839
Net interest income	41,733	36,326	33,495
Provision for loan losses	2,564	2,826	1,090
Net interest income after provision for loan losses	39,169	33,500	32,405
Noninterest income:
Service charges on deposit accounts	2,137	1,977	1,573
Trust fees	240	227	221
Income from bank owned life insurance and annuity assets	1,226	725	681
Mortgage banking income	265	227	242
Electronic refund check / deposit fees	1,692	2,048	2,371
Debit / credit card interchange income	3,376	2,594	2,399
Gain (loss) on other real estate owned	(189)	(467)	99
Gain on sale of securities			163
Other	688	908	848
	9,435	8,239	8,597
Noninterest expense:
Salaries and employee benefits	20,809	18,874	17,498
Occupancy	1,770	1,846	1,599
Furniture and equipment	1,049	922	801
Professional fees	1,792	1,362	1,375
Marketing expense	1,034	915	860
FDIC insurance	465	455	583
Data processing	2,081	1,455	1,259
Software	1,486	1,316	1,123
Foreclosed assets	499	357	347
Amortization of intangibles	156	68
Merger related expenses	39	930
Other	5,429	4,399	4,174
	36,609	32,899	29,619
Income before income taxes	11,995	8,840	11,383
Income tax benefit	4,486	1,920	2,809
NET INCOME	$ 7,509	$ 6,920	$ 8,574
Earnings per share (in dollars per share)	$ 1.60	$ 1.59	$ 2.08

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Net income	$ 7,509	$ 6,920	$ 8,574
Other comprehensive income (loss):
Change in unrealized gain (loss) on available for sale securities	171	(1,963)	(830)
Reclassification adjustment for realized (gains)			(163)
	171	(1,963)	(993)
Related tax (expense) benefit	(58)	667	338
Total other comprehensive income (loss), net of tax	113	(1,296)	(655)
Total comprehensive income	$ 7,622	$ 5,624	$ 7,919

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2014	$ 4,777	$ 35,318	$ 60,873	$ 960	$ (15,712)	$ 86,216
Net income			8,574			8,574
Other comprehensive income (loss), net				(655)		(655)
Cash dividends			(3,665)			(3,665)
Common stock issued to ESOP
Balance at Dec. 31, 2015	4,777	35,318	65,782	305	(15,712)	90,470
Net income			6,920			6,920
Other comprehensive income (loss), net				(1,296)		(1,296)
Cash dividends			(3,585)			(3,585)
Common stock issued to ESOP	25	550				575
Acquisition – Milton Bancorp, Inc. 523,518 shares	524	10,920				11,444
Balance at Dec. 31, 2016	5,326	46,788	69,117	(991)	(15,712)	104,528
Net income			7,509			7,509
Other comprehensive income (loss), net				113		113
Cash dividends			(3,932)			(3,932)
Common stock issued to ESOP	15	413				428
Common stock issued through dividend reinvestment, 21,383 shares	21	694				715
Balance at Dec. 31, 2017	$ 5,362	$ 47,895	$ 72,694	$ (878)	$ (15,712)	$ 109,361

Consolidated Statements of Cha7

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Retained Earnings [Member]
Cash dividends, per share (in dollars per share)	$ 0.84	$ 0.82	$ 0.89
Additional Paid-in Capital [Member]
Common stock issued to ESOP, shares (in shares)	15,118	24,572
Acquisition – Milton Bancorp, Inc., shares (in shares)		523,518
Common stock issued through dividend reinvestment, shares (in shares)	21,383
Common stock issued to ESOP, shares (in shares)	15,118	24,572

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Cash flows from operating activities:
Net income	$ 7,509	$ 6,920	$ 8,574
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation of premises and equipment	1,277	1,126	872
Net (accretion) of purchase accounting adjustments	(526)	(255)
Net amortization of securities	378	407	432
Net realized (gain) on sale of securities			(163)
Proceeds from sale of loans in secondary market	7,857	6,455	6,746
Loans disbursed for sale in secondary market	(7,592)	(6,228)	(6,504)
Amortization of mortgage servicing rights	71	79	93
Gain on sale of loans	(336)	(306)	(335)
Amortization of intangible assets	156	68
Deferred tax (benefit) expense	1,907	(725)	591
Provision for loan losses	2,564	2,826	1,090
Common stock issued to ESOP	428	575
Earnings on bank owned life insurance and annuity assets	(1,226)	(725)	(681)
(Gain) loss on sale of other real estate owned	134	(22)	(99)
Net write-down of other real estate owned	55	489
Change in accrued interest receivable	(188)	(496)	(13)
Change in accrued liabilities	1,681	1,461	473
Change in other assets	347	1,717	(678)
Net cash provided by operating activities	14,496	13,366	10,398
Cash flows from investing activities:
Net cash acquired from Milton Bancorp, Inc. acquisition		1,770
Proceeds from sales of securities available for sale			10,550
Proceeds from maturities of securities available for sale	20,389	18,591	15,085
Purchases of securities available for sale	(25,177)	(20,256)	(33,251)
Proceeds from maturities of securities held to maturity	1,419	3,089	3,482
Purchases of securities held to maturity	(389)	(1,528)	(626)
Proceeds from maturities of certificates of deposit in financial institutions	245	490	245
Purchases of certificates of deposit in financial institutions	(395)	(445)	(980)
Purchases of restricted investments in bank stocks		(566)
Net change in loans	(37,918)	(38,299)	5,049
Proceeds from sale of other real estate owned	1,466	403	458
Purchases of premises and equipment	(1,727)	(1,683)	(1,950)
Proceeds from bank owned life insurance and annuity assets	2,107
Purchases of bank owned life insurance and annuity assets	(2,200)		(3,000)
Net cash (used in) investing activities	(42,180)	(38,434)	(4,938)
Cash flows from financing activities:
Change in deposits	66,444	10,150	13,916
Proceeds from common stock through dividend reinvestment	715
Cash dividends	(3,932)	(3,585)	(3,665)
Proceeds from Federal Home Loan Bank borrowings	4,785	11,102	400
Repayment of Federal Home Loan Bank borrowings	(5,318)	(1,883)	(1,671)
Change in other long-term borrowings	(459)	3,899
Change in other short-term borrowings	(144)	21	113
Net cash provided by financing activities	62,091	19,704	9,093
Cash and cash equivalents:
Change in cash and cash equivalents	34,407	(5,364)	14,553
Cash and cash equivalents at beginning of year	40,166	45,530	30,977
Cash and cash equivalents at end of year	74,573	40,166	45,530
Supplemental disclosure:
Cash paid for interest	3,724	2,930	2,784
Cash paid for income taxes	2,236	1,725	2,450
Proceeds from bank owned life insurance and annuity assets not settled	1,993
Transfers from loans to other real estate owned	1,337	957	1,381
Other real estate owned sales financed by The Ohio Valley Bank Company	237	316	189
Net assets acquired from Milton Bancorp, Inc. acquisition, excluding cash and cash equivalents.		3,140
Milton Bancorp, Inc [Member]
Supplemental disclosure:
Issuance of common stock for Milton Bancorp, Inc. acquisition		$ 11,444

Note A - Summary of Significant

Note A - Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Significant Accounting Policies [Text Block]	Note A - Summary of Significant Accounting Policies Description of Business: Ohio Valley Banc Corp. (”Ohio Valley”) is a financial holding company registered under the Bank Holding Company Act of 1956. one one The Company provides a full range of commercial and retail banking services from 25 The Bank ’s trust department provides a wide variety of fiduciary services for trusts, estates and benefit plans and also provides investment and security services as an agent for its customers. Principles of Consolidation: The consolidated financial statements include the accounts of Ohio Valley and its wholly-owned subsidiaries, the Bank, Loan Central, Inc., Ohio Valley Financial Services Agency, LLC, and OVBC Captive, Inc. All material intercompany accounts and transactions have been eliminated. Industry Segment Information: Internal financial information is primarily reported and aggregated in two Use of Estimates: To prepare financial statements in conformity with accounting principles generally accepted in the U.S., management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and actual results could differ. Cash and Cash Equivalents: Cash and cash equivalents include cash on hand, noninterest-bearing deposits with banks, federal funds sold and interest-bearing deposits with banks with maturity terms of less than 90 one Certificates of deposit in financial institutions : 90 September 30, 2019. Securities: The Company classifies securities into held to maturity and available for sale categories. Held to maturity securities are those which the Company has the positive intent and ability to hold to maturity and are reported at amortized cost. Securities classified as available for sale include securities that could be sold for liquidity, investment management or similar reasons even if there is not Premium amortization is deducted from, and discount accretion is added to, interest income on securities using the level yield method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. Gains and losses are recognized upon the sale of specific identified securities on the completed trade date. Other-Than-Temporary Impairments of Securities: 1 2 3 4 not When an OTTI occurs, the amount of the OTTI recognized in earnings depends on whether an entity intends to sell the security or it is more likely than not not ’s amortized cost basis and its fair value at the balance sheet date. If an entity does not not not Restricted Investments in Bank Stocks : may not Loans: Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of unearned interest, deferred loan fees and costs, and an allowance for loan losses. Interest income is reported on an accrual basis using the interest method and includes amortization of net deferred loan fees and costs over the loan term using the level yield method without anticipating prepayments. The amount of the Company’s recorded investment is not Interest income is discontinued and the loan moved to non-accrual status when full loan repayment is in doubt, typically when the loan is impaired or payments are past due 90 In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 All interest accrued but not Interest received on such loans is accounted for on the cash-basis method until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured. Allowance for Loan Losses: The allowance for loan losses is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. Allocations of the allowance may The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified and for which the borrower is experiencing financial difficulties are considered troubled debt restructurings and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not Commercial and commercial real estate loans are individually evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Smaller balance homogeneous loans, such as consumer and most residential real estate, are collectively evaluated for impairment, and accordingly, they are not The general component covers non-impaired loans and impaired loans that are not . The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the most recent 3 5 Commercial and industrial loans consist of borrowings for commercial purposes to individuals, corporations, partnerships, sole proprietorships, and other business enterprises. Commercial and industrial loans are generally secured by business assets such as equipment, accounts receivable, inventory, or any other asset excluding real estate and generally made to finance capital expenditures or operations. The Company’s risk exposure is related to deterioration in the value of collateral securing the loan should foreclosure become necessary. Generally, business assets used or produced in operations do not may Commercial real estate consists of nonfarm, nonresidential loans secured by owner-occupied and nonowner-occupied commercial real estate as well as commercial construction loans. An owner-occupied loan relates to a borrower purchased building or space for which the repayment of principal is dependent upon cash flows from the ongoing business operations conducted by the party, or an affiliate of the party, who owns the property. Owner-occupied loans that are dependent on cash flows from operations can be adversely affected by current market conditions for their product or service. A nonowner-occupied loan is a property loan for which the repayment of principal is dependent upon rental income associated with the property or the subsequent sale of the property. Nonowner-occupied loans that are dependent upon rental income are primarily impacted by local economic conditions which dictate occupancy rates and the amount of rent charged. Commercial construction loans consist of borrowings to purchase and develop raw land into 1 4 third may may Residential real estate loans consist of loans to individuals for the purchase of 1 4 The Company’s loss exposure to these loans is dependent on local market conditions for residential properties as loan amounts are determined, in part, by the fair value of the property at origination. Consumer loans are comprised of loans to individuals secured by automobiles, open-end home equity loans and other loans to individuals for household, family, and other personal expenditures, both secured and unsecured . These loans typically have maturities of 6 may At December 31, 201 7, no Concentrations of Credit Risk: The Company grants residential, consumer and commercial loans to customers located primarily in the southeastern Ohio and western West Virginia areas. The following represents the composition of the Company ’s loan portfolio as of December 31: % of Total Loans 201 7 201 6 Residential real estate loans 40.19 % 38.92 % Commercial real estate loans 27.74 % 29.12 % Consumer loans 18.15 % 18.27 % Commercial and industrial loans 13.92 % 13.69 % 100.00 % 100.00 % Approximately 4.86% December 31, 2017, 5.61% December 31, 2016. The Bank, in the normal course of its operations, conducts business with correspondent financial institutions. Balances in correspondent accounts, investments in federal funds, certificates of deposit and other short-term securities are closely monitored to ensure that prudent levels of credit and liquidity risks are maintained. At December 31, 2017, $60,872 Premises and Equipment: Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation, which is computed using the straight-line method over the estimated useful life of the owned asset and, for leasehold improvement, over the remaining term of the leased facility, whichever is shorter. The useful lives range from 3 8 7 39 Foreclosed assets: Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. Physical possession of residential real estate property collateralizing a consumer mortgage loan occurs when legal title is obtained upon completion of foreclosure or when the borrower conveys all interest in the property to satisfy the loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. If fair value declines subsequent to foreclosure, a valuation allowance is recorded through expense. Operating costs after acquisition are expensed. Foreclosed assets totaled $1,574 $2,129 December 31, 2017 2016. Goodwill: Goodwill resulting from business combinations prior to January 1, 2009 January 1, 2009, not impairment at least annually. Goodwill is the only intangible asset with an indefinite life on our balance sheet. The Company has selected December 31 not no Long-term Assets: Premises and equipment and other long-term assets are reviewed for impairment when events indicate their carrying amount may not Mortgage Servicing Rights: A mortgage servicing right (“MSR”) is a contractual agreement where the right to service a mortgage loan is sold by the original lender to another party. When the Company sells mortgage loans to the secondary market, it retains the servicing rights to these loans. The Company’s MSR is recognized separately when acquired through sales of loans and is initially recorded at fair value with the income statement effect recorded in mortgage banking income. Subsequently, the MSR is then amortized in proportion to and over the period of estimated future servicing income of the underlying loan. The MSR is then evaluated for impairment periodically based upon the fair value of the rights as compared to the carrying amount, with any impairment being recognized through a valuation allowance. Fair value of the MSR is based on market prices for comparable mortgage servicing contracts. Impairment is determined by stratifying rights into groupings based on predominant risk characteristics, such as interest rate, loan type and investor type. If the Company later determines that all or a portion of the impairment no may December 31, 2017 2016, $360 $387, Earnings Per Share: 4,685,067 2017; 4,351,748 2016; 4,117,675 2015. no Income Taxes: Income tax expense is the sum of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax consequences of temporary differences between the carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. The effect on deferred tax assets and liabilities of a change in tax rates is recognized at the time of enactment of such change in tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized. On December 22, 2017, “ TCJA ” ) was enacted, which among other things, reduced the federal income tax rate from 34% 21% January 1, 2018. s deferred tax assets and liabilities to be revalued using the 21% fourth A tax position is recognized as a benefit only if it is “more likely than not” be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% not not” no Comprehensive Income: Comprehensive income consists of net income and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains and losses on securities available for sale which are also recognized as separate components of equity, net of tax. Loss Contingencies: Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. Management does not Bank Owned Life Insurance and Annuity Assets : The Company has purchased life insurance policies on certain key executives. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. The Company also purchased an annuity investment for a certain key executive that earns interest. Employee Stock Ownership Plan: Compensation expense is based on the market price of shares as they are committed to be allocated to participant accounts. Dividend Reinvestment Plan: The Company maintains a Dividend Reinvestment Plan. The plan enables shareholders to elect to have their cash dividends on all or a portion of shares held automatically reinvested in additional shares of the Company’s common stock. The stock is issued out of the Company’s authorized shares and credited to participant accounts at fair market value. Dividends are reinvested on a quarterly basis. Loan Commitments and Related Financial Instruments: Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. These financial instruments are recorded when they are funded. See Note L for more specific disclosure related to loan commitments. Dividend Restrictions: Banking regulations require maintaining certain capital levels and may Restrictions on Cash : third $61,915 $28,102 2017 2016. third not Derivatives: At the inception of a derivative contract, the Company designates the derivative as one three three 1 2 3 no Net cash settlements on derivatives that qualify for hedge accounting are recorded in interest income or interest expense, based on the item being hedged. Net cash settlements on derivatives that do not At December 31, 201 7 2016, Fair Value of Financial Instruments: Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note O. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates. Reclassifications: The consolidated financial statements for 2016 2015 2017. no Adoption of New Accounting Standards: May 2014, 2014 09, 606 606, December 15, 2017, January 1, 2017. 2014 09 not not 2014 09. In January 2016, No. 2016 01, 1 2 3 4 December 15, 2017, not The adoption of ASU 2016 01 not I n February 2016, 2016 02, December 15, 2018, In June 2016, No. 2016 13, 2016 13 other commitments to extend credit rather than the current "incurred loss" model. These expected credit losses for financial assets held at the reporting date are to be based on historical experience, current conditions, and reasonable and supportable forecasts. This ASU will also require enhanced disclosures to help investors and other financial statement users better understand significant estimates and judgments used in estimating credit losses, as well as the credit quality and underwriting standards of an entity's portfolio. These disclosures include qualitative and quantitative requirements that provide additional information about the amounts recorded in the financial statements. This ASU is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2019. December 15, 2018. In August 2016, 2016 15, eight The amendments in this Update apply to all entities, including business entities and not December 15, 2017, 2016 15 not In January 2017, 2017 04, – Goodwill and Other) which is intended to simplify the measurement of goodwill in periods following the date on which the goodwill is initially recorded. Under the amendments in this update, an entity should perform its annual or interim goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting unit's fair value. However, the loss recognized should not December 15, 2019. not In February 2018, 2018 02, December 15, 2018, Early adoption is permitted, including adoption in an interim period. The adoption of ASU 2018 02 not

Note B - Business Combinations

Note B - Business Combinations	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Mergers, Acquisitions and Dispositions Disclosures [Text Block]	Note B – Business Combinations As of the close of business on August 5, 2016, , Inc. (“Milton Bancorp”) pursuant to the terms of the Agreement and Plan of Merger dated as of January 7, 2016, 1,636 no $37,219, 80% 400 20% 1,237 $3,600 $18,875, $11,444 $7,431 $5,000 August 6, 2016. $930 December 31, 2016. $950 25 Goodwill of $6,534 As the acquisition was treated as a nontaxable stock acquisition transaction, the goodwill was not Consideration: Cash $ 7,431 Equity instruments 11,444 Fair value of total consideration transferred $ 18,875 Recognized amounts of identifiable assets acquired and liabilities assumed : Cash and cash equivalents $ 9,201 Securities 5,868 Restricted investments in bank stock 364 Loans 112,479 Premises and equipment 1,826 Other real estate owned 641 Bank owned life insurance 272 Core deposit intangible asset 738 Other assets 612 Total assets acquired 132,001 Deposits 119,669 Other liabilities (9 ) Total liabilities assumed 119,660 Total identifiable net assets 12,341 Goodwill 6,534 $ 18,875 The fair value of net assets acquired include d fair value adjustments to certain receivables that were not $111,558 $112,249 not

Note C - Securities

Note C - Securities	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note C - Securities The following table summarizes the amortized cost and fair value of securities available for sale and securities held to maturity at December 31, 2017 2016 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Securities Available for Sale December 31, 201 7 U.S. Government sponsored entity securities $ 13,622 $ ---- $ (149 ) $ 13,473 Agency mortgage-backed securities, residential 88,833 300 (1,481 ) 87,652 Total securities $ 102,455 $ 300 $ (1,630 ) $ 101,125 December 31, 201 6 U.S. Government sponsored entity securities $ 10,624 $ ---- $ (80 ) $ 10,544 Agency mortgage-backed securities, residential 87,367 495 (1,916 ) 85,946 Total securities $ 97,991 $ 495 $ (1,996 ) $ 96,490 Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Estimated Fair Value Securities Held to Maturity December 31, 201 7 Obligations of states and political subdivisions $ 1 7,577 $ 533 $ ( 35 ) $ 1 8,075 Agency mortgage-backed securities, residential 4 ---- ---- 4 Total securities $ 1 7,581 $ 533 $ ( 35 ) $ 1 8,079 December 31, 201 6 Obligations of states and political subdivisions $ 18,661 $ 654 $ (148 ) $ 19,167 Agency mortgage-backed securities, residential 4 ---- ---- 4 Total securities $ 18,66 5 $ 654 $ (148 ) $ 19,17 1 At year-end 201 7 2016, no one 10% There were no 2017 2016. 2015, $10,550 $163 Securities with a carrying value of approximately $70,078 December 31, 2017 $72,397 December 31, 2016 Unrealized losses on the Company ’s debt securities have not December 31, 2017, not not not December 31, 2017 2016 The amortized cost and estimated fair value of debt securities at December 31, 2017, may may not Available for Sale Held to Maturity Debt Securities: Amortized Cost Estimated Fair Value Amortized Cost Estimated Fair Value Due in one year or less $ 4,601 $ 4,593 $ 809 $ 819 Due in one to five years 9,021 8,880 7,356 7,559 Due in five to ten years ---- ---- 9,204 9,497 Due after ten years ---- ---- 208 200 Agency mortgage-backed securities, residential 88,833 87,652 4 4 Total debt securities $ 102,455 $ 101,125 $ 17,581 $ 18,079 The following table summarizes securities with unrealized losses at December 31, 201 7 December 31, 2016, December 31, 201 7 Less than 12 Months 12 Months or More Total Securities Available for Sale Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. Government sponsored entity securities $ 6,910 $ (97 ) $ 6,563 $ (52 ) $ 13,473 $ (149 ) Agency mortgage-backed securities, residential 37,421 (434 ) 31,763 (1,047 ) 69,184 (1,481 ) Total available for sale $ 44,331 $ (531 ) $ 38,326 $ (1,099 ) $ 82,657 $ (1,630 ) Less than 12 Months 12 Months or More Total Securities Held to Maturity Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Obligations of states and political subdivisions $ 362 $ (2 ) $ 1,502 $ (33 ) $ 1,864 $ (35 ) Total held to maturity $ 362 $ (2 ) $ 1,502 $ (33 ) $ 1,864 $ (35 ) December 31, 201 6 Less than 12 Months 12 Months or More Total Securities Available for Sale Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. Government sponsored entity securities $ 10,544 $ (80 ) $ ---- $ ---- $ 10,544 $ (80 ) Agency mortgage-backed securities, residential 64,043 (1,916 ) ---- ---- 64,043 (1,916 ) Total available for sale $ 74,587 $ (1,996 ) $ ---- $ ---- $ 74,587 $ (1,996 ) Less than 12 Months 12 Months or More Total Securities Held to Maturity Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Obligations of states and political subdivisions $ 3,813 $ (148 ) $ ---- $ ---- $ 3,813 $ (148 ) Total held to maturity $ 3,813 $ (148 ) $ ---- $ ---- $ 3,813 $ (148 )

Note D - Loans and Allowance fo

Note D - Loans and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	Note D - Loans and Allowance for Loan Losses Loans are comprised of the following at December 31: 201 7 201 6 Residential real estate $ 309,163 $ 286,022 Commercial real estate: Owner-occupied 73,573 77,605 Nonowner-occupied 101,571 90,532 Construction 38,302 45,870 Commercial and industrial 107,089 100,589 Consumer: Automobile 68,626 59,772 Home equity 21,431 20,861 Other 49,564 53,650 769,319 734,901 Less: Allowance for loan losses (7,499 ) (7,699 ) Loans, net $ 761,820 $ 727,202 The following table presents the activity in the allowance for loan losses by portfolio segment for the year s ended December 31, 2017, 2016 2015: December 31, 201 7 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Beginning balance $ 939 $ 4,315 $ 907 $ 1,538 $ 7,699 Provision for loan losses 1,016 (632 ) 658 1,522 2,564 Loans charged off (745 ) (1,067 ) (627 ) (1,642 ) (4,081 ) Recoveries 260 362 86 609 1,317 Total ending allowance balance $ 1,470 $ 2,978 $ 1,024 $ 2,027 $ 7,499 December 31, 201 6 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,087 $ 1,959 $ 2,589 $ 1,013 $ 6,648 Provision for loan losses (63 ) 2,287 (1,112 ) 1,714 2,826 Loans charged off (384 ) (63 ) (586 ) (2,170 ) (3,203 ) Recoveries 299 132 16 981 1,428 Total ending allowance balance $ 939 $ 4,315 $ 907 $ 1,538 $ 7,699 December 31, 201 5 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1, 426 $ 4 ,195 $ 1, 602 $ 1,111 $ 8 ,334 Provision for loan losses 103 (469 ) 777 679 1 ,090 Loans charged off ( 828 ) ( 1,971 ) ( 24 ) (1, 428 ) ( 4,251 ) Recoveries 38 6 204 234 651 1, 475 Total ending allowance balance $ 1, 087 $ 1 ,959 $ 2 ,589 $ 1, 013 $ 6 ,648 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 December 31, 2017 2016: December 31, 201 7 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ 94 $ ---- $ ---- $ 94 Collectively evaluated for impairment 1,470 2,884 1,024 2,027 7,405 Total ending allowance balance $ 1,470 $ 2,978 $ 1,024 $ 2,027 $ 7,499 Loans: Loans individually evaluated for impairment $ 1,420 $ 7,333 $ 9,154 $ 201 $ 18,108 Loans collectively evaluated for impairment 307,743 206,113 97,935 139,420 751,211 Total ending loans balance $ 309,163 $ 213,446 $ 107,089 $ 139,621 $ 769,319 December 31, 201 6 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ 2,535 $ 241 $ 205 $ 2,981 Collectively evaluated for impairment 939 1,780 666 1,333 4,718 Total ending allowance balance $ 939 $ 4,315 $ 907 $ 1,538 $ 7,699 Loans: Loans individually evaluated for impairment $ 717 $ 13,111 $ 8,465 $ 416 $ 22,709 Loans collectively evaluated for impairment 285,305 200,896 92,124 133,867 712,192 Total ending loans balance $ 286,022 $ 214,007 $ 100,589 $ 134,283 $ 734,901 The following table presents information related to loans individually evaluated for impairment by class of loans as of the year s ended December 31, 2017, 2016 2015: December 31, 201 7 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial real estate: Nonowner-occupied $ 372 $ 372 $ 94 $ 378 $ 17 $ 17 With no related allowance recorded: Residential real estate 1,420 1,420 ---- 851 66 66 Commercial real estate: Owner-occupied 3,427 3,427 ---- 2,456 184 184 Nonowner-occupied 4,989 3,534 ---- 3,521 81 81 Construction 352 ---- ---- ---- 19 19 Commercial and industrial 9,154 9,154 ---- 8,544 481 481 Consumer: Home equity 203 201 ---- 208 7 7 Total $ 19,917 $ 18,108 $ 94 $ 15,958 $ 855 $ 855 December 31, 201 6 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial real estate: Owner-occupied $ 5,477 $ 5,477 $ 2,435 $ 3,185 $ 300 $ 300 Nonowner-occupied 384 384 100 390 19 19 Commercial and industrial 392 392 241 391 ---- ---- Consumer: Home equity 416 416 205 421 21 21 With no related allowance recorded: Residential real estate 717 717 ---- 726 31 31 Commercial real estate: Owner-occupied 3,638 3,091 ---- 3,005 178 178 Nonowner-occupied 5,078 3,632 ---- 3,572 79 79 Construction 1,001 527 ---- 522 136 136 Commercial and industrial 8,073 8,073 ---- 7,681 381 381 Total $ 25,176 $ 22,709 $ 2,981 $ 19,893 $ 1,145 $ 1,145 December 31, 201 5 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial real estate: Owner-occupied $ 204 $ 204 $ 204 $ 204 $ 13 $ 13 Nonowner-occupied 396 396 107 402 75 75 Commercial and industrial 4,355 4,355 1,850 3,545 149 149 Consumer: Home equity 218 218 3 219 8 8 With no related allowance recorded: Residential real estate 1,001 1,001 ---- 809 45 45 Commercial real estate: Owner-occupied 3,812 3,265 ---- 2,747 181 181 Nonowner-occupied 5,178 2,773 ---- 3,439 49 49 Construction 680 680 ---- 544 ---- ---- Commercial and industrial 4,336 4,336 ---- 3,985 180 180 Total $ 20,180 $ 17,228 $ 2,164 $ 15,894 $ 700 $ 700 The recorded investment of a loan is its carrying value excluding accrued interest and deferred loan fees. Nonaccrual loans and loans past due 90 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 December 31, 2017 December 31, 2016, $262 $938, $2,410 $1,492 December 31, 2017 December 31, 2016, The following table presents the recorded investment of nonaccrual loans and loans past due 90 December 31, 2017 2016: Loans Past Due 90 Days And Still Accruing Nonaccrual December 31, 201 7 Residential real e state $ 131 $ 5,906 Commercial real estate: Owner-occupied ---- 476 Nonowner-occupied ---- 2,454 Construction ---- 444 Commercial and industrial ---- 337 Consumer: Automobile 127 86 Home equity ---- 283 Other 76 126 Total $ 334 $ 10,112 Loans Past Due 90 Days And Still Accruing Nonaccrual December 31, 201 6 Residential real e state $ 132 $ 3,445 Commercial real estate: Owner-occupied 28 1,571 Nonowner-occupied ---- 2,506 Construction ---- 527 Commercial and industrial ---- 867 Consumer: Automobile 121 5 Home equity ---- 34 Other 46 6 Total $ 327 $ 8,961 The following table presents the aging of the recorded investment of past due loans by class of loans as of December 31, 2017 2016: December 31, 201 7 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 $ 5,383 $ 671 $ 1,673 $ 7,727 $ 301,436 $ 309,163 Commercial real estate: Owner-occupied 194 161 160 515 73,058 73,573 Nonowner-occupied 140 ---- 2,238 2,378 99,193 101,571 Construction ---- ---- 169 169 38,133 38,302 Commercial and industrial 303 243 191 737 106,352 107,089 Consumer: Automobile 1,257 346 151 1,754 66,872 68,626 Home equity 90 272 27 389 21,042 21,431 Other 865 218 76 1,159 48,405 49,564 Total $ 8,232 $ 1,911 $ 4,685 $ 14,828 $ 754,491 $ 769,319 December 31, 201 6 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 $ 3,728 $ 953 $ 2,201 $ 6,882 $ 279,140 $ 286,022 Commercial real estate: Owner-occupied 134 366 1,325 1,825 75,780 77,605 Nonowner-occupied 261 18 2,506 2,785 87,747 90,532 Construction 66 52 182 300 45,570 45,870 Commercial and industrial 1,283 483 800 2,566 98,023 100,589 Consumer: Automobile 1,091 221 126 1,438 58,334 59,772 Home equity 349 45 ---- 394 20,467 20,861 Other 685 155 46 886 52,764 53,650 Total $ 7,597 $ 2,293 $ 7,186 $ 17,076 $ 717,825 $ 734,901 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 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 December 31, 2017 December 31, 2016: TDR ’s Performing to Modified Terms TDR’s Not Performing to Modified Terms Total TDR ’s December 31, 201 7 Residential real estate : Interest only payments $ 697 $ ---- $ 697 Commercial real estate: Owner-occupied Interest only payments 997 ---- 997 Reduction of principal and interest payments 554 ---- 554 Maturity extension at lower stated rate than market rate 1,466 ---- 1,466 Credit extension at lower stated rate than market rate 410 410 Nonowner-occupied Interest only payments 560 1,961 2,521 Rate reduction 372 ---- 372 Credit extension at lower stated rate than market rate 570 ---- 570 Commercial and industrial Interest only payments 9,154 ---- 9,154 Consumer: Home equity Maturity extension at lower stated rate than market rate ---- 201 201 Total TDR ’s $ 14,780 $ 2,162 $ 16,942 TDR ’s Performing to Modified Terms TDR’s Not Performing to Modified Terms Total TDR ’s December 31, 201 6 Residential real estate : Interest only payments $ 717 $ ---- $ 717 Commercial real estate: Owner-occupied Interest only payments 284 ---- 284 Rate reduction ---- 232 232 Reduction of principal and interest payments 579 ---- 579 Maturity extension at lower stated rate than market rate 1,582 ---- 1,582 Nonowner-occupied Interest only payments 600 2,210 2,810 Rate reduction 384 ---- 384 Credit extension at lower stated rate than market rate 574 ---- 574 Commercial and industrial Interest only payments 8,074 ---- 8,074 Credit extension at lower stated rate than market rate ---- 391 391 Consumer: Home equity Maturity extension at lower stated rate than market rate 213 ---- 213 Credit extension at lower stated rate than market rate 203 ---- 203 Total TDR ’s $ 13,210 $ 2,833 $ 16,043 At December 31, 201 7, $899, 5.6%, 2016. $94 December 31, 2017, $546 December 31, 2016. December 31, 2017, $846 $2,427 December 31, 2016. The following table presents the pre- and post-modification balances of TDR loan modifications by class of loans that occurred during the years ended December 31, 2017 2016: TDR ’s Performing to Modified Terms TDR ’s Not Performing to Modified Terms Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Pre-Modification Recorded Investment Post-Modification Recorded Investment December 31, 201 7 Commercial real estate: O wner-occupied Interest only payments 1 $ 997 $ 997 $ ---- $ ---- Credit extension at lower stated rate than market rate 1 412 412 ---- ---- Total TDR ’s 2 $ 1,409 $ 1,409 $ ---- $ ---- The troubled debt restructurings described above had no no December 31, 2017. TDR ’s Performing to Modified Terms TDR ’s Not Performing to Modified Terms Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Pre-Modification Recorded Investment Post-Modification Recorded Investment December 31, 201 6 Commercial real estate: Nono wner-occupied Interest only payments 1 $ ---- $ ---- $ 226 $ 226 Credit extension at lower stated rate than market rate 1 574 574 ---- ---- Total TDR ’s 2 $ 574 $ 574 $ 226 $ 226 The troubled debt restructurings described above increased the allowance for loan losses by $ 11 $11 December 31, 2016. The Company had no December 31, 2017 2015 twelve twelve December 31, 2016, one $226 $226 no December 31, 2016 twelve 90 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 11. 8 9 11. $500. The Company uses the following definitions for its criticized Special Mention. Loans classified as special mention indicate considerable risk due to deterioration of repayment (in the earliest stages) due to potential weak primary repayment source, or payment delinquency. These loans will be under constant supervision, are not not may no no one The Company uses the following definitions for its classified Substandard. Loans classified as substandard represent very high risk, serious delinquency, nonaccrual, or unacceptable credit. Repayment through the primary source of repayment is in jeopardy due to the existence of one may not 8 Doubtful . may may Loss . not not no not may Criticized and classified loans will mostly consist of commercial and industrial and commercial real estate loans. The Company considers its loans that do not 1 7 As of December 31, 201 7 December 31, 2016, December 31, 201 7 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 64,993 $ 934 $ 7,646 $ 73,573 Nonowner-occupied 93,197 3,776 4,598 101,571 Construction 37,735 156 411 38,302 Commercial and industrial 91,097 6,058 9,934 107,089 Total $ 287,022 $ 10,924 $ 22,589 $ 320,535 December 31, 201 6 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 66,495 $ 428 $ 10,682 $ 77,605 Nonowner-occupied 83,103 2,364 5,065 90,532 Construction 45,325 ---- 545 45,870 Commercial and industrial 94,091 188 6,310 100,589 Total $ 289,014 $ 2,980 $ 22,602 $ 314,596 The Company also obtains the credit scores of its borrowers upon origination (if available by the credit bureau) but not thereafter. The Company focuses mostly on the performance and repayment ability of the borrower as an indicator of credit risk and does not 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 payment activity as of December 31, 2017 December 31, 2016: Consumer December 31, 201 7 Automobile Home Equity Other Residential Real Estate Total Performing $ 68,413 $ 21,148 $ 49,362 $ 303,126 $ 442,049 Nonperforming 213 283 202 6,037 6,735 Total $ 68,626 $ 21,431 $ 49,564 $ 309,163 $ 448,784 Consumer December 31, 201 6 Automobile Home Equity Other Residential Real Estate Total Performing $ 59,646 $ 20,827 $ 53,598 $ 282,445 $ 416,516 Nonperforming 126 34 52 3,577 3,789 Total $ 59,772 $ 20,861 $ 53,650 $ 286,022 $ 420,305 The Company, through its subsidiaries, grants residential, consumer, and commercial loans to customers located primarily in the southeastern area of Ohio as well as the western counties of West Virginia. Approximately 4.86% December 31, 2017, 5.61% December 31, 2016.

Note E - Premises and Equipment

Note E - Premises and Equipment	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Property, Plant and Equipment Disclosure [Text Block]	Note E - Premises and Equipment Following is a summary of premises and equipment at December 31: 201 7 201 6 Land $ 2,641 $ 2,348 Buildings 13,913 13,247 Leasehold improvements 1,267 1,238 Furniture and equipment 5,675 5,085 23,496 21,918 Less accumulated depreciation 10,215 9,135 Total premises and equipment $ 13,281 $ 12,783 The following is a summary of the future minimum operating lease payments for facilities leased by the Company. Operating lease expense was $344 2017, $464 2016, $464 2015. 201 8 $ 253 201 9 68 20 20 64 20 21 40 202 2 7 Thereafter ---- $ 432

Note F - Goodwill and Intangibl

Note F - Goodwill and Intangible Assets	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Goodwill and Intangible Assets Disclosure [Text Block]	Note F – Goodwill and Intangible Assets Goodwill: The change in goodwill during the year is as follows: 201 7 2016 Beginning of year $ 7,801 $ 1,267 Acquired goodwill ---- 6,534 Impairment ---- ---- Finalization of Milton acquisition accounting (430 ) ---- End of year $ 7,371 $ 7,801 Impairment exists when a reporting unit ’s carrying value of goodwill exceeds its fair value. At December 31, 2017 2016, not not no not one Acquired intangible assets: Acquired intangible assets were as follows at year-end: 2017 2016 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization Amortized intangible assets: Core deposit intangibles $ 738 $ 224 $ 738 $ 68 Aggregate amortization expense was $156 2017 $68 2016. Estimated amortization expense for each of the next five 201 8 $ 135 201 9 114 20 20 94 202 1 74 202 2 53 Thereafter 44 Total $ 514

Note G - Deposits

Note G - Deposits	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Deposit Liabilities Disclosures [Text Block]	Note G - Deposits Following is a summary of interest-bearing deposits at December 31: 201 7 201 6 NOW accounts $ 158,650 $ 155,051 Savings and Money Market 241,018 237,761 Time: In denominations of $250,000 or less 181,690 168,546 In denominations of more than $250,000 21,711 19,518 T otal time deposits 203,401 188,064 Total interest-bearing deposits $ 603,069 $ 580,876 Following is a summary of total time deposits by remaining maturity at December 31, 2017: 201 8 $ 109,278 201 9 43,077 20 20 22,696 20 21 14,413 20 22 13,578 Thereafter 359 Total $ 203,401 Brokered deposits, included in time deposits, were $34,363 $22,463 December 31, 2017 2016,

Note H - Interest Rate Swaps

Note H - Interest Rate Swaps	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Derivative Instruments and Hedging Activities Disclosure [Text Block]	Note H - Interest Rate Swaps The Company manages economic risks, including interest rate, liquidity, and credit risk, primarily by managing the amount, sources, and duration of its assets and liabilities. The Company utilizes interest rate swap agreements as part of its asset/liability management strategy to help manage its interest rate risk position. As part of this strategy, the Company provides its customer with a fixed-rate loan while creating a variable-rate asset for the Company by the customer entering into an interest rate swap with the Company on terms that match the loan. The Company offsets its risk exposure by entering into an offsetting interest rate swap with an unaffiliated institution. These interest rate swaps do not December 31, 2017, $7,234 $57. $9,725 $22 December 31, 2016. not third $350 December 31, 2017 December 31, 2016.

Note I - Other Borrowed Funds

Note I - Other Borrowed Funds	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Federal Home Loan Bank Advances, Disclosure [Text Block]	Note I - Other Borrowed Funds Other borrowed funds at December 31, 201 7 2016 December 31, 2017 2016, $29 $73 FHLB Borrowings Promissory Notes Totals 201 7 $ 28,625 $ 7,324 $ 35,949 201 6 $ 29,203 $ 7,882 $ 37,085 Pursuant to collateral agreements with the FHLB, advances are secured by $ 299,673 $80,036 $5,365 December 31, 2017. $28,596 2042 1.53% 3.31% 2.15% 2.08% December 31, 2017 2016, no December 31, 2017. At December 31, 201 7, $80,000 90 $80,000 December 31, 2017. 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 $232,588 December 31, 2017. $232,588, $143,992 $80,000 Promissory notes, issued primarily by Ohio Valley, are due at various dates through a f inal maturity date of August 1, 2026, 1.25% 4.09% 2.77% December 31, 2017, 2.34% December 31, 2016. December 31, 2017, one $360 $3,440 December 31, 2017. Letters of credit issued on the Bank ’s behalf by the FHLB to collateralize certain public unit deposits as required by law totaled $60,000 December 31, 2017 $45,000 December 31, 2016. Scheduled principal payments over the next five FHLB Borrowings Promissory Notes Totals 201 8 $ 3,255 $ 2,261 $ 5,516 201 9 2,724 2,599 5,323 20 20 2,541 519 3,060 20 21 2,239 541 2,780 202 2 2,153 564 2,717 Thereafter 15,713 840 16,553 $ 28,625 $ 7,324 $ 35,949

Note J - Subordinated Debenture

Note J - Subordinated Debentures and Trust Preferred Securities	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Subordinated Borrowings Disclosure [Text Block]	Note J - Subordinated Debentures and Trust Preferred Securities On March 22, 2007, $8,500 The rate on these trust preferred securities was fixed at 6.58% five March 15, 2012, 3 1.68%. 3.27% December 31, 2017 2.64% December 31, 2016. no no June 15, 2037. Under the provisions of the related indenture agreements, the interest payable on the trust preferred securities is deferrable for up to five not ’s common stock. Under generally accepted accounting principles, the trusts are not not may 1

Note K - Income Taxes

Note K - Income Taxes	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Income Tax Disclosure [Text Block]	Note K - Income Taxes On December 22, 2017, , which included several provisions that will affect the Company’s federal income tax expense, including reducing the federal income tax rate to 21% January 1, 2018. 2017 $1.8 The provision for income taxes consists of the following components: 201 7 201 6 201 5 Current tax expense $ 2,579 $ 2,645 $ 2,218 Deferred tax (benefit) expense 1,907 (725 ) 591 Total income taxes $ 4,486 $ 1,920 $ 2,809 The source of deferred tax assets and deferred tax liabilities at December 31: 2017 2016 Items giving rise to deferred tax assets: Allowance for loan losses $ 1,631 $ 2,538 Unrealized loss on securities available for sale 279 510 Deferred compensation 1,466 2,194 Deferred loan fees/costs 130 248 Other real estate owned 377 719 Accrued bonus 234 240 Purchase accounting adjustments 56 305 Net operating loss 148 258 Other 212 275 Items giving rise to deferred tax liabilities: Mortgage servicing rights (78 ) (134 ) FHLB stock dividends (676 ) (1,078 ) Prepaid expenses (149 ) (283 ) Depreciation and amortization (627 ) (823 ) Other (3 ) (4 ) Net deferred tax asset $ 3,000 $ 4,965 The Company determined that it was not At December 31, 201 7, 382 $705, 2026. The difference between the financial statement tax provision and amounts computed by applying the statutory federal income tax rate of 34% 201 7 201 6 201 5 Statutory tax $ 4,078 $ 3,006 $ 3,870 Effect of nontaxable interest (514 ) (433 ) (437 ) Effect of nontaxable insurance premiums (303 ) (340 ) (336 ) Income from bank owned insurance, net (230 ) (239 ) (210 ) Effect of postretirement benefits (78 ) (19 ) 71 Effect of nontaxable life insurance death proceeds (175 ) ---- (11 ) Impact from TCJA 1,783 ---- ---- Effect of state income tax 70 64 66 Tax credits (191 ) (211 ) (221 ) Milton Merger Costs 4 73 ---- Other items 42 19 17 Total income taxes $ 4,486 $ 1,920 $ 2,809 At December 31, 201 7 December 31, 2016, no not twelve $1.2 may not may not The Company is subject to U.S. federal income tax as well as West Virginia state income tax. The Company is no 2014. 2014 2016

Note L - Commitments and Contin

Note L - Commitments and Contingent Liabilities	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	Note L - Commitments and Contingent Liabilities 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 Bank uses the same credit policies in making commitments and conditional obligations as it does for instruments recorded on the balance sheet. Following is a summary of such commitments at December 31: 201 7 20 16 Fixed rate $ 96 $ 271 Variable rate 64,624 61,786 Standby letters of credit 4,139 5,134 The interest rate on fixed-rate commitments ranged from 3.75% 6.25% December 31, 2017. Commitments to extend credit are agreements to lend to a customer as long as there is no may third not The Bank evaluates each customer’s credit worthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on management’s credit evaluation of the counterparty. Collateral held varies but may The Company participates as a facilitator of tax refunds pursuant to a clearing agreement with a third December 31, 2019 3 ’s”) and electronic refund deposits (“ERD’s”) presented for payment on behalf of taxpayers containing taxpayer refunds. The Bank receives a fee paid by the third There are various contingent liabilities that are not not

Note M - Related Party Transact

Note M - Related Party Transactions	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Related Party Transactions Disclosure [Text Block]	Note M - Related Party Transactions Certain directors, executive officers and companies with which they are affiliated were loan customers during 201 7. $120 Total loans at January 1, 201 7 $ 5,945 New loans 25 Repayments (221 ) Other changes 2,678 Total loans at December 31, 201 7 $ 8,427 Other changes include adjustments for loans applicable to one ’ affiliates. Deposits from principal officers, directors, and their affiliates at year-end 2017 2016 $44,877 $38,867. one 2017 2016 $360 three December 8, 2016 1.75%.

Note N - Employee Benefits

Note N - Employee Benefits	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Pension and Other Postretirement Benefits Disclosure [Text Block]	Note N - Employee Benefits Th e Bank has a profit-sharing plan for the benefit of its employees and their beneficiaries. Contributions to the plan are determined by the Board of Directors of Ohio Valley. Contributions charged to expense were $340, $290, $288 2017, 2016 2015. Ohio Valley maintains an Employee Stock Ownership Plan (ESOP) covering substantially all employees of the Company. Ohio Valley issues shares to the ESOP, purchased by the ESOP with subsidiary cash contributions, which are allocated to ESOP participants based on relative compensation. The total number of shares held by the ESOP, all of which have been allocated to participant accounts, were 361,584 350,170 December 31, 2017 2016. Years ended December 31 201 7 201 6 201 5 Number of shares issued 15,118 24,572 ---- Fair value of stock contributed $ 428 $ 575 $ ---- Cash contributed 250 ---- 674 Total expense $ 678 $ 575 $ 674 Life insurance contracts with a cash surrender value of $2 6,633 $2,042 December 31, 2017 $6,740 $6,328 December 31, 2017 2016. three $490, $399, $338. $2,776 December 31, 2017 $3,007 December 31, 2016. During 2017, $2,107 two recorded $1,993 two $3,586 $514 $1,993 not 2017 December 31, 2017.

Note O - Fair Value of Financia

Note O - Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note O - 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 may Level 1: Quoted prices (unadjusted) for identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date. Level 2: Significant other observable inputs other than Level 1 not Level 3: Significant unobservable inputs that reflect a company’s own assumptions about the assumptions that market participants would use in pricing an asset or liability. Note O - Fair Value of Financial Instruments (continued) 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: The fair values for securities are determined by quoted market prices, if available (Level 1 not 2 not 3 Impaired Loans: At the time a loan is considered impaired, it is valued at the lower of cost or fair value. Impaired loans carried at fair value generally receive specific allocations of the allowance for loan losses. For collateral dependent loans, fair value is commonly based on recent real estate appraisals. These appraisals may 3 may 3 Other Real Estate Owned: Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. Fair value is commonly based on recent real estate appraisals. These appraisals may 3 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%. Note O - Fair Value of Financial Instruments (continued) 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 December 31, 201 7, 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 ---- $ 13,473 ---- Agency mortgage-backed securities, residential ---- 87,652 ---- Fair Value Measurements at December 31, 201 6, 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 ---- $ 10,544 ---- Agency mortgage-backed securities, residential ---- 85,946 ---- There were no 1 2 2017 2016. 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 December 31, 201 7, 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: Nono wner-occupied ---- ---- $ 216 Construction ---- ---- 756 Other real estate owned: Commercial real estate: Construction ---- ---- 822 Note O - Fair Value of Financial Instruments (continued) Fair Value Measurements at December 31, 201 6, 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: O wner-occupied ---- ---- $ 3,536 Nonowner-occupied ---- ---- 1,985 Commercial and industrial ---- ---- 298 Other real estate owned: Commercial real estate: Construction ---- ---- 754 At December 31, 201 7, $972, no no no December 31, 2017. December 31, 2016, $8,732, $2,913, $2,509 December 31, 2016, no Other real estate owned that was measured at fair value less costs to sell at December 31, 201 7 $822, $2,217, $1,395 December 31, 2017. $68 2017. December 31, 2016 $754, $2,217, $1,463 December 31, 2016. $393 2016. The following table presents quantitative information about Level 3 December 31, 201 7 December 31, 2016: December 31, 2017 Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) Impaired loans: Commercial real estate: Nono wner-occupied $ 216 Sales approach Adjustment to comparables 1.6% to 50% 26.7% Construction 756 Sales approach Adjustment to comparables 1.3% to 55.9% 32.9% Other real estate owned: Commercial real estate: Construction 822 Sales approach Adjustment to comparables 5% to 40% 18.1% December 31, 2016 Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) Impaired loans: Commercial real estate: O wner-occupied $ 3,536 Sales approach Adjustment to comparables 0% to 65% 13.7% Cost approach Adjustment to comparables 0% to 29.5% 14.8% Nonowner-occupied 1,985 Sales approach Adjustment to comparables 0% to 250% 58.6% Commercial and industrial 298 Sales approach Adjustment to comparables 0.9% to 9.7% 5.2% Other real estate owned: Commercial real estate: Construction 754 Sales approach Adjustment to comparables 0% to 30% 11.7% Note O - Fair Value of Financial Instruments (continued) The carrying amounts and estimated fair values of financial instruments at December 31, 2017 December 31, 2016 Fair Value Measurements at December 31, 201 7 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 74 ,573 $ 74 ,573 $ ---- $ ---- $ 74 ,573 Certificates of deposit in financial institutions 1, 820 ---- 1, 820 ---- 1, 820 Securities available for sale 101,125 ---- 101 ,125 ---- 101 ,125 Securities held to maturity 1 7,581 ---- 9, 020 9 ,059 1 8,079 Restricted investments in bank stocks 7 ,506 N/A N/A N/A N/A Loans, net 7 61,820 ---- ---- 7 60,746 7 60,746 Accrued interest receivable 2 ,503 ---- 268 2 ,235 2 ,503 Financial Liabilities: Deposits 856 ,724 2 53,655 602 ,268 ---- 855 ,923 Other borrowed funds 3 5,949 ---- 3 4,810 ---- 3 4,810 Subordinated debentures 8,500 ---- 6 ,678 ---- 6 ,678 Accrued interest payable 792 4 788 ---- 792 Fair Value Measurements at December 31, 201 6 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 40,166 $ 4 0,166 $ ---- $ ---- $ 4 0,166 Certificates of deposit in financial institutions 1,670 ---- 1, 670 ---- 1, 670 Securities available for sale 96,490 ---- 9 6,490 ---- 9 6,490 Securities held to maturity 18,665 ---- 9, 541 9 ,630 19 ,171 Restricted investments in bank stocks 7,506 N/A N/A N/A N/A Loans, net 727,202 ---- ---- 727,079 727,079 Accrued interest receivable 2,315 ---- 224 2,091 2,315 Financial Liabilities: Deposits 790,452 209,576 581,340 ---- 790,916 Other borrowed funds 37,085 ---- 35,948 ---- 35,948 Subordinated debentures 8,500 ---- 5,821 ---- 5,821 Accrued interest payable 513 4 509 ---- 513 Note O - Fair Value of Financial Instruments (continued) The methods and assumptions, not Cash and Cash Equivalents : The carrying amounts of cash and short-term instruments approximate fair values and are classified as Level 1. Certificates of deposit in financial institutions : The carrying amounts of certificates of deposit in financial institutions approximate fair values and are classified as Level 2. Securities Held to Maturity : The fair values for securities held to maturity are determined in the same manner as securities held for sale and discussed earlier in this note. Level 3 Restricted Investments in B ank S tock s not Loans : Fair values of loans are estimated as follows: The fair value of fixed rate loans is estimated by discounting future cash flows using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality resulting in a Level 3 no 3 not Deposit Liabilities : The fair values disclosed for noninterest-bearing deposits are, by definition, equal to the amount payable on demand at the reporting date (i.e., their carrying amount) resulting in a Level 1 2 2 Other Borrowed Funds : The carrying values of the Company’s short-term borrowings, generally maturing within ninety 2 2 Subordinated Debentures : The fair values of the Company’s Subordinated Debentures are estimated using discounted cash flow analyses based on the current borrowing rates for similar types of borrowing arrangements resulting in a Level 2 Accrued Interest Receivable and Payable : The carrying amount of accrued interest approximates fair value 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 values for off-balance sheet, credit-related financial instruments are based on fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the counterparties’ credit standing. The fair value of commitments is not 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 one ’s entire holdings of a particular financial instrument. Because no

Note P - Regulatory Matters

Note P - Regulatory Matters	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	Note P - Regulatory Matters Banks and bank holding companies are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and, additionally for banks, prompt corrective action regulations, involve quantitative measures of assets, liabilities, and certain off-balance-sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators. Failure to meet capital requirements can initiate regulatory action. The final rules implementing Basel Committee on Banking Supervision’s capital guidelines for U.S. banks (Basel III rules) became effective for the Company and the Bank on January 1, 2015 January 1, 2019. 1 4.5% 2.5% January 1, 2016 0.625%, January 1, 2017, 1.25%. four January 1, January 1, 2019. 1 4.0% 6.0% 4.0% 1 Effective May 15, 2015, $500 $1 December 31, 2016, not As the Company has assets in excess of $1 Prompt corrective action regulations applicable to insured depository institutions provide five not 2017 2016, the Bank met the capital requirements to be deemed well capitalized under the regulatory framework for prompt corrective action. The Company's capital also met the requirements for the Company to be deemed well capitalized. There have been no 2017 2016 At year-end, consolidated actual capital levels and minimum required capital adequacy (excluding the capital conservation buffer) and well capitalized levels for the Company and the Bank were: Actual Minimum Regulatory Minimum To Be Well 201 7 Amount Ratio Capital Ratio Capitalized ( 1) Total capital (to risk weighted assets) Consolidated $ 118,456 16.6 % 8.0% N/A Bank 107,929 15.3 8.0 10.0% Common equity Tier 1 capital (to risk weighted assets) Consolidated 102,457 14.3 4.5 N/A Bank 100,759 14.3 4.5 6.5 Tier 1 capital (to risk weighted assets) Consolidated 110,957 15.5 6.0 N/A Bank 100,759 14.3 6.0 8.0 Tier 1 capital (to average assets) Consolidated 110,957 11.0 4.0 N/A Bank 100,759 10.1 4.0 5.0 ( 1 For the Company, these amounts are required to engage in activities permissible only for a bank holding company that meets the financial holding company requirements. For the Bank, these are the amounts required for the Bank to be deemed well capitalized under the prompt corrective action regulations. Actual Minimum Regulatory Minimum To Be Well Capitalized Under Prompt Corrective Action Regulations Amount Ratio Capital Amount Ratio 2016 Total capital (to risk weighted assets) Consolidated $ 113,515 16.4 % N/A N/A N/A Bank 104,317 15.3 8.0 % $ 68,289 10.0 % Common equity Tier 1 capital (to risk weighted assets) Consolidated 97,316 14.0 N/A N/A N/A Bank 96,946 14.2 4.5 44,388 6.5 Tier 1 capital (to risk weighted assets) Consolidated 105,816 15.3 N/A N/A N/A Bank 96,946 14.2 6.0 54,631 8.0 Tier 1 capital (to average assets) Consolidated 105,816 11.2 N/A N/A N/A Bank 96,946 10.4 4.0 46,461 5.0 Dividends paid by the subsidiaries are the primary source of funds available to Ohio Valley for payment of dividends to shareholders and for other working capital needs. The payment of dividends by the subsidiaries to Ohio Valley is subject to restrictions by regulatory authorities and state law. These restrictions generally limit dividends to the current and prior two 90% January 1, 2018 $5,162 not may

Note Q - Parent Company Only Co

Note Q - Parent Company Only Condensed Financial Information	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Condensed Financial Information of Parent Company Only Disclosure [Text Block]	Note Q - Parent Company Only Condensed Financial Information Below is condensed financial information of Ohio Valley. In this information, Ohio Valley ’s investment in its subsidiaries is stated at cost plus equity in undistributed earnings of the subsidiaries since acquisition. This information should be read in conjunction with the consolidated financial statements of the Company. CONDENSED STATEMENTS OF CONDITION Years ended December 31: Assets 20 17 201 6 Cash and cash equivalents $ 3,292 $ 2,747 Investment in subsidiaries 118,775 115,057 Notes receivable – subsidiaries 3,320 3,420 Other assets 67 52 Total assets $ 125,454 $ 121,276 Liabilities Notes payable $ 7,324 $ 7,882 Subordinated debentures 8,500 8,500 Other liabilities 269 366 Total liabilities 16,093 16,748 Shareholders ’ Equity Total shareholders ’ equity 109,361 104,528 Total liabilities and shareholders ’ equity $ 125,454 $ 121,276 CONDENSED STATEMENTS OF INCOME Years ended December 31: Income: 201 7 201 6 201 5 Interest on notes $ 51 $ 52 $ 53 Dividends from subsidiaries 4,400 6,900 3,500 Expenses: Interest on notes 211 136 53 Interest on subordinated debentures 248 204 170 Operating expenses 332 667 345 Income before income taxes and equity in undistributed earnings of subsidiaries 3,660 5,945 2,985 Income tax benefit 244 256 167 Equity in undistributed earnings of subsidiaries 3,605 719 5,422 Net Income $ 7,509 $ 6,920 $ 8,574 Comprehensive Income $ 7,622 $ 5,624 $ 7,919 CONDENSED STATEMENTS OF CASH FLOWS Years ended December 31: Cash flows from operating activities: 20 17 201 6 201 5 Net Income $ 7,509 $ 6,920 $ 8,574 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiaries (3,605 ) (719 ) (5,422 ) Common stock issued to ESOP 428 575 ---- Change in other assets (15 ) 11 (16 ) Change in other liabilities (97 ) 318 (141 ) Net cash provided by operating activities 4,220 7,105 2,995 Cash flows from investing activities: Cash paid for Milton Bancorp, Inc. acquisition ---- (7,431 ) ---- Change in notes receivable 100 461 (100 ) Net cash provided by (used in) investing activities 100 (6,970 ) (100 ) Cash flows from financing activities: Change in notes payable (558 ) 3,964 128 Proceeds from common stock through dividend reinvestment 715 ---- ---- Cash dividends paid (3,932 ) (3,585 ) (3,665 ) Net cash provided by (used in) financing activities (3,775 ) 379 (3,537 ) Cash and cash equivalents: Change in cash and cash equivalents 545 514 (642 ) Cash and cash equivalents at beginning of year 2,747 2,233 2,875 Cash and cash equivalents at end of year $ 3,292 $ 2,747 $ 2,233

Note R - Segment Information

Note R - Segment Information	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	Note R - 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 92.7%, 91.6%, 90.9% December 31, 2017, 2016 2015, The accounting policies used for the Company ’s reportable segments are the same as those described in Note A - Summary of Significant Accounting Policies. Income taxes are allocated based on income before tax expense. All goodwill is in the Banking segment. Segment information is as follows: Year Ended December 31, 201 7 Banking Consumer Finance Total Company Net interest income $ 38,366 $ 3,367 $ 41,733 Provision expense 2,415 149 2,564 Noninterest income 8,834 601 9,435 Noninterest expense 34,079 2,530 36,609 Tax expense 3,973 513 4,486 Net income 6,733 776 7,509 Assets 1,013,386 12,904 1,026,290 Year Ended December 31, 201 6 Banking Consumer Finance Total Company Net interest income $ 33,019 $ 3,307 $ 36,326 Provision expense 2,665 161 2,826 Noninterest income 7,589 650 8,239 Noninterest expense 30,257 2,642 32,899 Tax expense 1,530 390 1,920 Net income 6,156 764 6,920 Assets 941,907 12,733 954,640 Year Ended December 31, 201 5 Banking Consumer Finance Total Company Net interest income $ 30,175 $ 3,320 $ 33,495 Provision expense 1,055 35 1,090 Noninterest income 7,880 717 8,597 Noninterest expense 26,983 2,636 29,619 Tax expense 2,347 462 2,809 Net income 7,670 904 8,574 Assets 782,715 13,570 796,285

Note S - Consolidated Quarterly

Note S - Consolidated Quarterly Financial Information (Unaudited)	12 Months Ended
	Dec. 31, 2017
Notes to Financial Statements
Quarterly Financial Information [Text Block]	Note S - Consolidated Quarterly Financial Information (unaudited) Quarters Ended Mar. 31 Jun. 30 Sept. 30 Dec. 31 201 7 Total interest income $ 11,738 $ 10,989 $ 11,317 $ 11,664 Total interest expense 873 918 1,049 1,135 Net interest income 10,865 10,071 10,268 10,529 Provision for loan losses ( 1 ) 145 175 1,601 643 Noninterest income ( 3 ) 3,113 2,112 2,282 1,928 Noninterest expense 9,375 9,876 9,222 8,136 Net income 3,217 1,741 1,653 898 Earnings per share $ 0.69 $ 0.37 $ 0.35 $ 0.19 201 6 Total interest income $ 9,770 $ 8,913 $ 9,824 $ 10,841 Total interest expense 670 707 839 806 Net interest income 9,100 8,206 8,985 10,035 Provision for loan losses ( 2 ) 479 141 1,708 498 Noninterest income ( 3 ) 3,235 1,861 1,693 1,450 Noninterest expense 7,969 7,773 8,828 8,329 Net income 2,832 1,706 358 2,024 Earnings per share $ 0.69 $ 0.41 $ 0.08 $ 0.43 201 5 Total interest income $ 9,627 $ 8,866 $ 9,016 $ 8,825 Total interest expense 697 717 731 694 Net interest income 8,930 8,149 8,285 8,131 Provision for loan losses ( 4 ) (78 ) 799 (11 ) 380 Noninterest income ( 3 ) 3,489 1,917 1,584 1,607 Noninterest expense 7,427 7,554 7,727 6,911 Net income 3,624 1,410 1,642 1,898 Earnings per share $ 0.88 $ 0.34 $ 0.40 $ 0.46 ( 1 third 201 7, ( 2 third 2016, two $2,435 ( 3 third first ( 4 first third 2015,

Significant Accounting Policies

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2017
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	Description of Business: Ohio Valley Banc Corp. (”Ohio Valley”) is a financial holding company registered under the Bank Holding Company Act of 1956. one one The Company provides a full range of commercial and retail banking services from 25 The Bank ’s trust department provides a wide variety of fiduciary services for trusts, estates and benefit plans and also provides investment and security services as an agent for its customers.
Consolidation, Policy [Policy Text Block]	Principles of Consolidation: The consolidated financial statements include the accounts of Ohio Valley and its wholly-owned subsidiaries, the Bank, Loan Central, Inc., Ohio Valley Financial Services Agency, LLC, and OVBC Captive, Inc. All material intercompany accounts and transactions have been eliminated.
Segment Reporting, Policy [Policy Text Block]	Industry Segment Information: Internal financial information is primarily reported and aggregated in two
Use of Estimates, Policy [Policy Text Block]	Use of Estimates: To prepare financial statements in conformity with accounting principles generally accepted in the U.S., management makes estimates and assumptions based on available information. These estimates and assumptions affect the amounts reported in the financial statements and the disclosures provided, and actual results could differ.
Cash and Cash Equivalents, Policy [Policy Text Block]	Cash and Cash Equivalents: Cash and cash equivalents include cash on hand, noninterest-bearing deposits with banks, federal funds sold and interest-bearing deposits with banks with maturity terms of less than 90 one
Certificates of Deposit in Financial Institutions [Policy Text Block]	Certificates of deposit in financial institutions : 90 September 30, 2019.
Marketable Securities, Policy [Policy Text Block]	Securities: The Company classifies securities into held to maturity and available for sale categories. Held to maturity securities are those which the Company has the positive intent and ability to hold to maturity and are reported at amortized cost. Securities classified as available for sale include securities that could be sold for liquidity, investment management or similar reasons even if there is not Premium amortization is deducted from, and discount accretion is added to, interest income on securities using the level yield method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. Gains and losses are recognized upon the sale of specific identified securities on the completed trade date.
Marketable Securities, Available-for-sale Securities, Policy [Policy Text Block]	Other-Than-Temporary Impairments of Securities: 1 2 3 4 not When an OTTI occurs, the amount of the OTTI recognized in earnings depends on whether an entity intends to sell the security or it is more likely than not not ’s amortized cost basis and its fair value at the balance sheet date. If an entity does not not not
Investment, Policy [Policy Text Block]	Restricted Investments in Bank Stocks : may not
Finance, Loans and Leases Receivable, Policy [Policy Text Block]	Loans: Loans that management has the intent and ability to hold for the foreseeable future or until maturity or payoff are reported at the principal balance outstanding, net of unearned interest, deferred loan fees and costs, and an allowance for loan losses. Interest income is reported on an accrual basis using the interest method and includes amortization of net deferred loan fees and costs over the loan term using the level yield method without anticipating prepayments. The amount of the Company’s recorded investment is not Interest income is discontinued and the loan moved to non-accrual status when full loan repayment is in doubt, typically when the loan is impaired or payments are past due 90 In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal or interest is considered doubtful. Nonaccrual loans and loans past due 90 All interest accrued but not Interest received on such loans is accounted for on the cash-basis method until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Allowance for Loan Losses: The allowance for loan losses is a valuation allowance for probable incurred credit losses. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. Management estimates the allowance balance required using past loan loss experience, the nature and volume of the portfolio, information about specific borrower situations and estimated collateral values, economic conditions, and other factors. Allocations of the allowance may The allowance consists of specific and general components. The specific component relates to loans that are individually classified as impaired. A loan is impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans for which the terms have been modified and for which the borrower is experiencing financial difficulties are considered troubled debt restructurings and classified as impaired. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not Commercial and commercial real estate loans are individually evaluated for impairment. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Smaller balance homogeneous loans, such as consumer and most residential real estate, are collectively evaluated for impairment, and accordingly, they are not The general component covers non-impaired loans and impaired loans that are not . The historical loss experience is determined by portfolio segment and is based on the actual loss history experienced by the Company over the most recent 3 5 Commercial and industrial loans consist of borrowings for commercial purposes to individuals, corporations, partnerships, sole proprietorships, and other business enterprises. Commercial and industrial loans are generally secured by business assets such as equipment, accounts receivable, inventory, or any other asset excluding real estate and generally made to finance capital expenditures or operations. The Company’s risk exposure is related to deterioration in the value of collateral securing the loan should foreclosure become necessary. Generally, business assets used or produced in operations do not may Commercial real estate consists of nonfarm, nonresidential loans secured by owner-occupied and nonowner-occupied commercial real estate as well as commercial construction loans. An owner-occupied loan relates to a borrower purchased building or space for which the repayment of principal is dependent upon cash flows from the ongoing business operations conducted by the party, or an affiliate of the party, who owns the property. Owner-occupied loans that are dependent on cash flows from operations can be adversely affected by current market conditions for their product or service. A nonowner-occupied loan is a property loan for which the repayment of principal is dependent upon rental income associated with the property or the subsequent sale of the property. Nonowner-occupied loans that are dependent upon rental income are primarily impacted by local economic conditions which dictate occupancy rates and the amount of rent charged. Commercial construction loans consist of borrowings to purchase and develop raw land into 1 4 third may may Residential real estate loans consist of loans to individuals for the purchase of 1 4 The Company’s loss exposure to these loans is dependent on local market conditions for residential properties as loan amounts are determined, in part, by the fair value of the property at origination. Consumer loans are comprised of loans to individuals secured by automobiles, open-end home equity loans and other loans to individuals for household, family, and other personal expenditures, both secured and unsecured . These loans typically have maturities of 6 may At December 31, 201 7, no
Concentration Risk, Credit Risk, Policy [Policy Text Block]	Concentrations of Credit Risk: The Company grants residential, consumer and commercial loans to customers located primarily in the southeastern Ohio and western West Virginia areas. The following represents the composition of the Company ’s loan portfolio as of December 31: % of Total Loans 201 7 201 6 Residential real estate loans 40.19 % 38.92 % Commercial real estate loans 27.74 % 29.12 % Consumer loans 18.15 % 18.27 % Commercial and industrial loans 13.92 % 13.69 % 100.00 % 100.00 % Approximately 4.86% December 31, 2017, 5.61% December 31, 2016. The Bank, in the normal course of its operations, conducts business with correspondent financial institutions. Balances in correspondent accounts, investments in federal funds, certificates of deposit and other short-term securities are closely monitored to ensure that prudent levels of credit and liquidity risks are maintained. At December 31, 2017, $60,872
Property, Plant and Equipment, Policy [Policy Text Block]	Premises and Equipment: Land is carried at cost. Premises and equipment are stated at cost less accumulated depreciation, which is computed using the straight-line method over the estimated useful life of the owned asset and, for leasehold improvement, over the remaining term of the leased facility, whichever is shorter. The useful lives range from 3 8 7 39
Real Estate, Policy [Policy Text Block]	Foreclosed assets: Assets acquired through or instead of loan foreclosure are initially recorded at fair value less costs to sell when acquired, establishing a new cost basis. Physical possession of residential real estate property collateralizing a consumer mortgage loan occurs when legal title is obtained upon completion of foreclosure or when the borrower conveys all interest in the property to satisfy the loan through completion of a deed in lieu of foreclosure or through a similar legal agreement. These assets are subsequently accounted for at lower of cost or fair value less estimated costs to sell. If fair value declines subsequent to foreclosure, a valuation allowance is recorded through expense. Operating costs after acquisition are expensed. Foreclosed assets totaled $1,574 $2,129 December 31, 2017 2016.
Goodwill and Intangible Assets, Goodwill, Policy [Policy Text Block]	Goodwill: Goodwill resulting from business combinations prior to January 1, 2009 January 1, 2009, not impairment at least annually. Goodwill is the only intangible asset with an indefinite life on our balance sheet. The Company has selected December 31 not no
Impairment or Disposal of Long-Lived Assets, Policy [Policy Text Block]	Long-term Assets: Premises and equipment and other long-term assets are reviewed for impairment when events indicate their carrying amount may not
Transfers and Servicing of Financial Assets, Policy [Policy Text Block]	Mortgage Servicing Rights: A mortgage servicing right (“MSR”) is a contractual agreement where the right to service a mortgage loan is sold by the original lender to another party. When the Company sells mortgage loans to the secondary market, it retains the servicing rights to these loans. The Company’s MSR is recognized separately when acquired through sales of loans and is initially recorded at fair value with the income statement effect recorded in mortgage banking income. Subsequently, the MSR is then amortized in proportion to and over the period of estimated future servicing income of the underlying loan. The MSR is then evaluated for impairment periodically based upon the fair value of the rights as compared to the carrying amount, with any impairment being recognized through a valuation allowance. Fair value of the MSR is based on market prices for comparable mortgage servicing contracts. Impairment is determined by stratifying rights into groupings based on predominant risk characteristics, such as interest rate, loan type and investor type. If the Company later determines that all or a portion of the impairment no may December 31, 2017 2016, $360 $387,
Earnings Per Share, Policy [Policy Text Block]	Earnings Per Share: 4,685,067 2017; 4,351,748 2016; 4,117,675 2015. no
Income Tax, Policy [Policy Text Block]	Income Taxes: Income tax expense is the sum of the current year income tax due or refundable and the change in deferred tax assets and liabilities. Deferred tax assets and liabilities are the expected future tax consequences of temporary differences between the carrying amounts and tax bases of assets and liabilities, computed using enacted tax rates. The effect on deferred tax assets and liabilities of a change in tax rates is recognized at the time of enactment of such change in tax rates. A valuation allowance, if needed, reduces deferred tax assets to the amount expected to be realized. On December 22, 2017, “ TCJA ” ) was enacted, which among other things, reduced the federal income tax rate from 34% 21% January 1, 2018. s deferred tax assets and liabilities to be revalued using the 21% fourth A tax position is recognized as a benefit only if it is “more likely than not” be sustained in a tax examination, with a tax examination being presumed to occur. The amount recognized is the largest amount of tax benefit that is greater than 50% not not” no
Comprehensive Income, Policy [Policy Text Block]	Comprehensive Income: Comprehensive income consists of net income and other comprehensive income (loss). Other comprehensive income (loss) includes unrealized gains and losses on securities available for sale which are also recognized as separate components of equity, net of tax.
Commitments and Contingencies, Policy [Policy Text Block]	Loss Contingencies: Loss contingencies, including claims and legal actions arising in the ordinary course of business, are recorded as liabilities when the likelihood of loss is probable and an amount or range of loss can be reasonably estimated. Management does not
Bank Owned Life Insurance and Annuity Assets [Policy Text Block]	Bank Owned Life Insurance and Annuity Assets : The Company has purchased life insurance policies on certain key executives. Bank owned life insurance is recorded at the amount that can be realized under the insurance contract at the balance sheet date, which is the cash surrender value adjusted for other charges or other amounts due that are probable at settlement. The Company also purchased an annuity investment for a certain key executive that earns interest.
Employee Stock Ownership Plan (ESOP), Policy [Policy Text Block]	Employee Stock Ownership Plan: Compensation expense is based on the market price of shares as they are committed to be allocated to participant accounts.
Dividend Reinvestment Plan, Policy [Policy Text Block]	Dividend Reinvestment Plan: The Company maintains a Dividend Reinvestment Plan. The plan enables shareholders to elect to have their cash dividends on all or a portion of shares held automatically reinvested in additional shares of the Company’s common stock. The stock is issued out of the Company’s authorized shares and credited to participant accounts at fair market value. Dividends are reinvested on a quarterly basis.
Loan Commitments, Policy [Policy Text Block]	Loan Commitments and Related Financial Instruments: Financial instruments include off-balance sheet credit instruments, such as commitments to make loans and commercial letters of credit, issued to meet customer financing needs. The face amount for these items represents the exposure to loss, before considering customer collateral or ability to repay. These financial instruments are recorded when they are funded. See Note L for more specific disclosure related to loan commitments.
Dividend Restrictions [Policy Text Block]	Dividend Restrictions: Banking regulations require maintaining certain capital levels and may
Cash and Cash Equivalents, Restricted Cash and Cash Equivalents, Policy [Policy Text Block]	Restrictions on Cash : third $61,915 $28,102 2017 2016. third not
Derivatives, Policy [Policy Text Block]	Derivatives: At the inception of a derivative contract, the Company designates the derivative as one three three 1 2 3 no Net cash settlements on derivatives that qualify for hedge accounting are recorded in interest income or interest expense, based on the item being hedged. Net cash settlements on derivatives that do not At December 31, 201 7 2016,
Fair Value of Financial Instruments, Policy [Policy Text Block]	Fair Value of Financial Instruments: Fair values of financial instruments are estimated using relevant market information and other assumptions, as more fully disclosed in Note O. Fair value estimates involve uncertainties and matters of significant judgment regarding interest rates, credit risk, prepayments, and other factors, especially in the absence of broad markets for particular items. Changes in assumptions or in market conditions could significantly affect the estimates.
Reclassification, Policy [Policy Text Block]	Reclassifications: The consolidated financial statements for 2016 2015 2017. no
New Accounting Pronouncements, Policy [Policy Text Block]	Adoption of New Accounting Standards: May 2014, 2014 09, 606 606, December 15, 2017, January 1, 2017. 2014 09 not not 2014 09. In January 2016, No. 2016 01, 1 2 3 4 December 15, 2017, not The adoption of ASU 2016 01 not I n February 2016, 2016 02, December 15, 2018, In June 2016, No. 2016 13, 2016 13 other commitments to extend credit rather than the current "incurred loss" model. These expected credit losses for financial assets held at the reporting date are to be based on historical experience, current conditions, and reasonable and supportable forecasts. This ASU will also require enhanced disclosures to help investors and other financial statement users better understand significant estimates and judgments used in estimating credit losses, as well as the credit quality and underwriting standards of an entity's portfolio. These disclosures include qualitative and quantitative requirements that provide additional information about the amounts recorded in the financial statements. This ASU is effective for annual periods, and interim periods within those annual periods, beginning after December 15, 2019. December 15, 2018. In August 2016, 2016 15, eight The amendments in this Update apply to all entities, including business entities and not December 15, 2017, 2016 15 not In January 2017, 2017 04, – Goodwill and Other) which is intended to simplify the measurement of goodwill in periods following the date on which the goodwill is initially recorded. Under the amendments in this update, an entity should perform its annual or interim goodwill impairment test by comparing the fair value of a reporting unit with its carrying amount. An entity should recognize an impairment charge for the amount by which the carrying amount exceeds the reporting unit's fair value. However, the loss recognized should not December 15, 2019. not In February 2018, 2018 02, December 15, 2018, Early adoption is permitted, including adoption in an interim period. The adoption of ASU 2018 02 not

Note A - Summary of Significa29

Note A - Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2017
Notes Tables
Composition of Loan Portfolio [Table Text Block ]	% of Total Loans 201 7 201 6 Residential real estate loans 40.19 % 38.92 % Commercial real estate loans 27.74 % 29.12 % Consumer loans 18.15 % 18.27 % Commercial and industrial loans 13.92 % 13.69 % 100.00 % 100.00 %

Note B - Business Combinations

Note B - Business Combinations (Tables)	12 Months Ended
	Dec. 31, 2017
Notes Tables
Schedule of Recognized Identified Assets Acquired and Liabilities Assumed [Table Text Block]	Consideration: Cash $ 7,431 Equity instruments 11,444 Fair value of total consideration transferred $ 18,875 Recognized amounts of identifiable assets acquired and liabilities assumed : Cash and cash equivalents $ 9,201 Securities 5,868 Restricted investments in bank stock 364 Loans 112,479 Premises and equipment 1,826 Other real estate owned 641 Bank owned life insurance 272 Core deposit intangible asset 738 Other assets 612 Total assets acquired 132,001 Deposits 119,669 Other liabilities (9 ) Total liabilities assumed 119,660 Total identifiable net assets 12,341 Goodwill 6,534 $ 18,875

Note C - Securities (Tables)

Note C - Securities (Tables)	12 Months Ended
	Dec. 31, 2017
Notes Tables
Available-for-sale Securities [Table Text Block]	Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Securities Available for Sale December 31, 201 7 U.S. Government sponsored entity securities $ 13,622 $ ---- $ (149 ) $ 13,473 Agency mortgage-backed securities, residential 88,833 300 (1,481 ) 87,652 Total securities $ 102,455 $ 300 $ (1,630 ) $ 101,125 December 31, 201 6 U.S. Government sponsored entity securities $ 10,624 $ ---- $ (80 ) $ 10,544 Agency mortgage-backed securities, residential 87,367 495 (1,916 ) 85,946 Total securities $ 97,991 $ 495 $ (1,996 ) $ 96,490
Held-to-maturity Securities [Table Text Block]	Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Estimated Fair Value Securities Held to Maturity December 31, 201 7 Obligations of states and political subdivisions $ 1 7,577 $ 533 $ ( 35 ) $ 1 8,075 Agency mortgage-backed securities, residential 4 ---- ---- 4 Total securities $ 1 7,581 $ 533 $ ( 35 ) $ 1 8,079 December 31, 201 6 Obligations of states and political subdivisions $ 18,661 $ 654 $ (148 ) $ 19,167 Agency mortgage-backed securities, residential 4 ---- ---- 4 Total securities $ 18,66 5 $ 654 $ (148 ) $ 19,17 1
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 $ 4,601 $ 4,593 $ 809 $ 819 Due in one to five years 9,021 8,880 7,356 7,559 Due in five to ten years ---- ---- 9,204 9,497 Due after ten years ---- ---- 208 200 Agency mortgage-backed securities, residential 88,833 87,652 4 4 Total debt securities $ 102,455 $ 101,125 $ 17,581 $ 18,079
Schedule of Unrealized Loss on Investments [Table Text Block]	December 31, 201 7 Less than 12 Months 12 Months or More Total Securities Available for Sale Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. Government sponsored entity securities $ 6,910 $ (97 ) $ 6,563 $ (52 ) $ 13,473 $ (149 ) Agency mortgage-backed securities, residential 37,421 (434 ) 31,763 (1,047 ) 69,184 (1,481 ) Total available for sale $ 44,331 $ (531 ) $ 38,326 $ (1,099 ) $ 82,657 $ (1,630 ) December 31, 201 6 Less than 12 Months 12 Months or More Total Securities Available for Sale Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. Government sponsored entity securities $ 10,544 $ (80 ) $ ---- $ ---- $ 10,544 $ (80 ) Agency mortgage-backed securities, residential 64,043 (1,916 ) ---- ---- 64,043 (1,916 ) Total available for sale $ 74,587 $ (1,996 ) $ ---- $ ---- $ 74,587 $ (1,996 )
Held-to-maturity Securities [Member]
Notes Tables
Schedule of Unrealized Loss on Investments [Table Text Block]	Less than 12 Months 12 Months or More Total Securities Held to Maturity Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Obligations of states and political subdivisions $ 362 $ (2 ) $ 1,502 $ (33 ) $ 1,864 $ (35 ) Total held to maturity $ 362 $ (2 ) $ 1,502 $ (33 ) $ 1,864 $ (35 ) Less than 12 Months 12 Months or More Total Securities Held to Maturity Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Obligations of states and political subdivisions $ 3,813 $ (148 ) $ ---- $ ---- $ 3,813 $ (148 ) Total held to maturity $ 3,813 $ (148 ) $ ---- $ ---- $ 3,813 $ (148 )

Note D - Loans and Allowance 32

Note D - Loans and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2017
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	201 7 201 6 Residential real estate $ 309,163 $ 286,022 Commercial real estate: Owner-occupied 73,573 77,605 Nonowner-occupied 101,571 90,532 Construction 38,302 45,870 Commercial and industrial 107,089 100,589 Consumer: Automobile 68,626 59,772 Home equity 21,431 20,861 Other 49,564 53,650 769,319 734,901 Less: Allowance for loan losses (7,499 ) (7,699 ) Loans, net $ 761,820 $ 727,202
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]	December 31, 201 7 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Beginning balance $ 939 $ 4,315 $ 907 $ 1,538 $ 7,699 Provision for loan losses 1,016 (632 ) 658 1,522 2,564 Loans charged off (745 ) (1,067 ) (627 ) (1,642 ) (4,081 ) Recoveries 260 362 86 609 1,317 Total ending allowance balance $ 1,470 $ 2,978 $ 1,024 $ 2,027 $ 7,499 December 31, 201 6 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,087 $ 1,959 $ 2,589 $ 1,013 $ 6,648 Provision for loan losses (63 ) 2,287 (1,112 ) 1,714 2,826 Loans charged off (384 ) (63 ) (586 ) (2,170 ) (3,203 ) Recoveries 299 132 16 981 1,428 Total ending allowance balance $ 939 $ 4,315 $ 907 $ 1,538 $ 7,699 December 31, 201 5 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1, 426 $ 4 ,195 $ 1, 602 $ 1,111 $ 8 ,334 Provision for loan losses 103 (469 ) 777 679 1 ,090 Loans charged off ( 828 ) ( 1,971 ) ( 24 ) (1, 428 ) ( 4,251 ) Recoveries 38 6 204 234 651 1, 475 Total ending allowance balance $ 1, 087 $ 1 ,959 $ 2 ,589 $ 1, 013 $ 6 ,648
Allowance For Loan Losses And The Recorded Investment Of Loans [Table Text Block]	December 31, 201 7 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ 94 $ ---- $ ---- $ 94 Collectively evaluated for impairment 1,470 2,884 1,024 2,027 7,405 Total ending allowance balance $ 1,470 $ 2,978 $ 1,024 $ 2,027 $ 7,499 Loans: Loans individually evaluated for impairment $ 1,420 $ 7,333 $ 9,154 $ 201 $ 18,108 Loans collectively evaluated for impairment 307,743 206,113 97,935 139,420 751,211 Total ending loans balance $ 309,163 $ 213,446 $ 107,089 $ 139,621 $ 769,319 December 31, 201 6 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ 2,535 $ 241 $ 205 $ 2,981 Collectively evaluated for impairment 939 1,780 666 1,333 4,718 Total ending allowance balance $ 939 $ 4,315 $ 907 $ 1,538 $ 7,699 Loans: Loans individually evaluated for impairment $ 717 $ 13,111 $ 8,465 $ 416 $ 22,709 Loans collectively evaluated for impairment 285,305 200,896 92,124 133,867 712,192 Total ending loans balance $ 286,022 $ 214,007 $ 100,589 $ 134,283 $ 734,901
Schedule of Loans Individually Evaluated for Impairment [Table Text Block]	December 31, 201 7 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial real estate: Nonowner-occupied $ 372 $ 372 $ 94 $ 378 $ 17 $ 17 With no related allowance recorded: Residential real estate 1,420 1,420 ---- 851 66 66 Commercial real estate: Owner-occupied 3,427 3,427 ---- 2,456 184 184 Nonowner-occupied 4,989 3,534 ---- 3,521 81 81 Construction 352 ---- ---- ---- 19 19 Commercial and industrial 9,154 9,154 ---- 8,544 481 481 Consumer: Home equity 203 201 ---- 208 7 7 Total $ 19,917 $ 18,108 $ 94 $ 15,958 $ 855 $ 855 December 31, 201 6 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial real estate: Owner-occupied $ 5,477 $ 5,477 $ 2,435 $ 3,185 $ 300 $ 300 Nonowner-occupied 384 384 100 390 19 19 Commercial and industrial 392 392 241 391 ---- ---- Consumer: Home equity 416 416 205 421 21 21 With no related allowance recorded: Residential real estate 717 717 ---- 726 31 31 Commercial real estate: Owner-occupied 3,638 3,091 ---- 3,005 178 178 Nonowner-occupied 5,078 3,632 ---- 3,572 79 79 Construction 1,001 527 ---- 522 136 136 Commercial and industrial 8,073 8,073 ---- 7,681 381 381 Total $ 25,176 $ 22,709 $ 2,981 $ 19,893 $ 1,145 $ 1,145 December 31, 201 5 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Commercial real estate: Owner-occupied $ 204 $ 204 $ 204 $ 204 $ 13 $ 13 Nonowner-occupied 396 396 107 402 75 75 Commercial and industrial 4,355 4,355 1,850 3,545 149 149 Consumer: Home equity 218 218 3 219 8 8 With no related allowance recorded: Residential real estate 1,001 1,001 ---- 809 45 45 Commercial real estate: Owner-occupied 3,812 3,265 ---- 2,747 181 181 Nonowner-occupied 5,178 2,773 ---- 3,439 49 49 Construction 680 680 ---- 544 ---- ---- Commercial and industrial 4,336 4,336 ---- 3,985 180 180 Total $ 20,180 $ 17,228 $ 2,164 $ 15,894 $ 700 $ 700
Schedule of Recorded Investment In Nonaccrual Loans [Table Text Block]	Loans Past Due 90 Days And Still Accruing Nonaccrual December 31, 201 7 Residential real e state $ 131 $ 5,906 Commercial real estate: Owner-occupied ---- 476 Nonowner-occupied ---- 2,454 Construction ---- 444 Commercial and industrial ---- 337 Consumer: Automobile 127 86 Home equity ---- 283 Other 76 126 Total $ 334 $ 10,112 Loans Past Due 90 Days And Still Accruing Nonaccrual December 31, 201 6 Residential real e state $ 132 $ 3,445 Commercial real estate: Owner-occupied 28 1,571 Nonowner-occupied ---- 2,506 Construction ---- 527 Commercial and industrial ---- 867 Consumer: Automobile 121 5 Home equity ---- 34 Other 46 6 Total $ 327 $ 8,961
Past Due Financing Receivables [Table Text Block]	December 31, 201 7 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 $ 5,383 $ 671 $ 1,673 $ 7,727 $ 301,436 $ 309,163 Commercial real estate: Owner-occupied 194 161 160 515 73,058 73,573 Nonowner-occupied 140 ---- 2,238 2,378 99,193 101,571 Construction ---- ---- 169 169 38,133 38,302 Commercial and industrial 303 243 191 737 106,352 107,089 Consumer: Automobile 1,257 346 151 1,754 66,872 68,626 Home equity 90 272 27 389 21,042 21,431 Other 865 218 76 1,159 48,405 49,564 Total $ 8,232 $ 1,911 $ 4,685 $ 14,828 $ 754,491 $ 769,319 December 31, 201 6 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 $ 3,728 $ 953 $ 2,201 $ 6,882 $ 279,140 $ 286,022 Commercial real estate: Owner-occupied 134 366 1,325 1,825 75,780 77,605 Nonowner-occupied 261 18 2,506 2,785 87,747 90,532 Construction 66 52 182 300 45,570 45,870 Commercial and industrial 1,283 483 800 2,566 98,023 100,589 Consumer: Automobile 1,091 221 126 1,438 58,334 59,772 Home equity 349 45 ---- 394 20,467 20,861 Other 685 155 46 886 52,764 53,650 Total $ 7,597 $ 2,293 $ 7,186 $ 17,076 $ 717,825 $ 734,901
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 December 31, 201 7 Residential real estate : Interest only payments $ 697 $ ---- $ 697 Commercial real estate: Owner-occupied Interest only payments 997 ---- 997 Reduction of principal and interest payments 554 ---- 554 Maturity extension at lower stated rate than market rate 1,466 ---- 1,466 Credit extension at lower stated rate than market rate 410 410 Nonowner-occupied Interest only payments 560 1,961 2,521 Rate reduction 372 ---- 372 Credit extension at lower stated rate than market rate 570 ---- 570 Commercial and industrial Interest only payments 9,154 ---- 9,154 Consumer: Home equity Maturity extension at lower stated rate than market rate ---- 201 201 Total TDR ’s $ 14,780 $ 2,162 $ 16,942 TDR ’s Performing to Modified Terms TDR’s Not Performing to Modified Terms Total TDR ’s December 31, 201 6 Residential real estate : Interest only payments $ 717 $ ---- $ 717 Commercial real estate: Owner-occupied Interest only payments 284 ---- 284 Rate reduction ---- 232 232 Reduction of principal and interest payments 579 ---- 579 Maturity extension at lower stated rate than market rate 1,582 ---- 1,582 Nonowner-occupied Interest only payments 600 2,210 2,810 Rate reduction 384 ---- 384 Credit extension at lower stated rate than market rate 574 ---- 574 Commercial and industrial Interest only payments 8,074 ---- 8,074 Credit extension at lower stated rate than market rate ---- 391 391 Consumer: Home equity Maturity extension at lower stated rate than market rate 213 ---- 213 Credit extension at lower stated rate than market rate 203 ---- 203 Total TDR ’s $ 13,210 $ 2,833 $ 16,043
Troubled Debt Restructurings on Financing Receivables Pre And Post Modification [Table Text Block]	TDR ’s Performing to Modified Terms TDR ’s Not Performing to Modified Terms Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Pre-Modification Recorded Investment Post-Modification Recorded Investment December 31, 201 7 Commercial real estate: O wner-occupied Interest only payments 1 $ 997 $ 997 $ ---- $ ---- Credit extension at lower stated rate than market rate 1 412 412 ---- ---- Total TDR ’s 2 $ 1,409 $ 1,409 $ ---- $ ---- TDR ’s Performing to Modified Terms TDR ’s Not Performing to Modified Terms Number of Loans Pre-Modification Recorded Investment Post-Modification Recorded Investment Pre-Modification Recorded Investment Post-Modification Recorded Investment December 31, 201 6 Commercial real estate: Nono wner-occupied Interest only payments 1 $ ---- $ ---- $ 226 $ 226 Credit extension at lower stated rate than market rate 1 574 574 ---- ---- Total TDR ’s 2 $ 574 $ 574 $ 226 $ 226
Financing Receivable Credit Quality Indicators [Table Text Block]	December 31, 201 7 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 64,993 $ 934 $ 7,646 $ 73,573 Nonowner-occupied 93,197 3,776 4,598 101,571 Construction 37,735 156 411 38,302 Commercial and industrial 91,097 6,058 9,934 107,089 Total $ 287,022 $ 10,924 $ 22,589 $ 320,535 December 31, 201 6 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 66,495 $ 428 $ 10,682 $ 77,605 Nonowner-occupied 83,103 2,364 5,065 90,532 Construction 45,325 ---- 545 45,870 Commercial and industrial 94,091 188 6,310 100,589 Total $ 289,014 $ 2,980 $ 22,602 $ 314,596
Performing and Nonperforming Loans [Table Text Block]	Consumer December 31, 201 7 Automobile Home Equity Other Residential Real Estate Total Performing $ 68,413 $ 21,148 $ 49,362 $ 303,126 $ 442,049 Nonperforming 213 283 202 6,037 6,735 Total $ 68,626 $ 21,431 $ 49,564 $ 309,163 $ 448,784 Consumer December 31, 201 6 Automobile Home Equity Other Residential Real Estate Total Performing $ 59,646 $ 20,827 $ 53,598 $ 282,445 $ 416,516 Nonperforming 126 34 52 3,577 3,789 Total $ 59,772 $ 20,861 $ 53,650 $ 286,022 $ 420,305

Note E - Premises and Equipme33

Note E - Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2017
Notes Tables
Property, Plant and Equipment [Table Text Block]	201 7 201 6 Land $ 2,641 $ 2,348 Buildings 13,913 13,247 Leasehold improvements 1,267 1,238 Furniture and equipment 5,675 5,085 23,496 21,918 Less accumulated depreciation 10,215 9,135 Total premises and equipment $ 13,281 $ 12,783
Schedule of Future Minimum Rental Payments for Operating Leases [Table Text Block]	201 8 $ 253 201 9 68 20 20 64 20 21 40 202 2 7 Thereafter ---- $ 432

Note F - Goodwill and Intangi34

Note F - Goodwill and Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2017
Notes Tables
Schedule of Goodwill [Table Text Block]	201 7 2016 Beginning of year $ 7,801 $ 1,267 Acquired goodwill ---- 6,534 Impairment ---- ---- Finalization of Milton acquisition accounting (430 ) ---- End of year $ 7,371 $ 7,801
Schedule of Finite-Lived Intangible Assets [Table Text Block]	2017 2016 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization Amortized intangible assets: Core deposit intangibles $ 738 $ 224 $ 738 $ 68
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]	201 8 $ 135 201 9 114 20 20 94 202 1 74 202 2 53 Thereafter 44 Total $ 514

Note G - Deposits (Tables)

Note G - Deposits (Tables)	12 Months Ended
	Dec. 31, 2017
Notes Tables
Schedule of Interest Bearing Deposits [Table Text Block ]	201 7 201 6 NOW accounts $ 158,650 $ 155,051 Savings and Money Market 241,018 237,761 Time: In denominations of $250,000 or less 181,690 168,546 In denominations of more than $250,000 21,711 19,518 T otal time deposits 203,401 188,064 Total interest-bearing deposits $ 603,069 $ 580,876
Maturities of Time Deposits [Table Text Block]	201 8 $ 109,278 201 9 43,077 20 20 22,696 20 21 14,413 20 22 13,578 Thereafter 359 Total $ 203,401

Note I - Other Borrowed Funds (

Note I - Other Borrowed Funds (Tables)	12 Months Ended
	Dec. 31, 2017
Notes Tables
Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank [Table Text Block]	FHLB Borrowings Promissory Notes Totals 201 7 $ 28,625 $ 7,324 $ 35,949 201 6 $ 29,203 $ 7,882 $ 37,085
Schedule of Maturities of Long-term Debt [Table Text Block]	FHLB Borrowings Promissory Notes Totals 201 8 $ 3,255 $ 2,261 $ 5,516 201 9 2,724 2,599 5,323 20 20 2,541 519 3,060 20 21 2,239 541 2,780 202 2 2,153 564 2,717 Thereafter 15,713 840 16,553 $ 28,625 $ 7,324 $ 35,949

Note K - Income Taxes (Tables)

Note K - Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2017
Notes Tables
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	201 7 201 6 201 5 Current tax expense $ 2,579 $ 2,645 $ 2,218 Deferred tax (benefit) expense 1,907 (725 ) 591 Total income taxes $ 4,486 $ 1,920 $ 2,809
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	2017 2016 Items giving rise to deferred tax assets: Allowance for loan losses $ 1,631 $ 2,538 Unrealized loss on securities available for sale 279 510 Deferred compensation 1,466 2,194 Deferred loan fees/costs 130 248 Other real estate owned 377 719 Accrued bonus 234 240 Purchase accounting adjustments 56 305 Net operating loss 148 258 Other 212 275 Items giving rise to deferred tax liabilities: Mortgage servicing rights (78 ) (134 ) FHLB stock dividends (676 ) (1,078 ) Prepaid expenses (149 ) (283 ) Depreciation and amortization (627 ) (823 ) Other (3 ) (4 ) Net deferred tax asset $ 3,000 $ 4,965
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	201 7 201 6 201 5 Statutory tax $ 4,078 $ 3,006 $ 3,870 Effect of nontaxable interest (514 ) (433 ) (437 ) Effect of nontaxable insurance premiums (303 ) (340 ) (336 ) Income from bank owned insurance, net (230 ) (239 ) (210 ) Effect of postretirement benefits (78 ) (19 ) 71 Effect of nontaxable life insurance death proceeds (175 ) ---- (11 ) Impact from TCJA 1,783 ---- ---- Effect of state income tax 70 64 66 Tax credits (191 ) (211 ) (221 ) Milton Merger Costs 4 73 ---- Other items 42 19 17 Total income taxes $ 4,486 $ 1,920 $ 2,809

Note L - Commitments and Cont38

Note L - Commitments and Contingent Liabilities (Tables)	12 Months Ended
	Dec. 31, 2017
Notes Tables
Other Commitments [Table Text Block]	201 7 20 16 Fixed rate $ 96 $ 271 Variable rate 64,624 61,786 Standby letters of credit 4,139 5,134

Note M - Related Party Transa39

Note M - Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2017
Notes Tables
Schedule of Related Party Transactions [Table Text Block]	Total loans at January 1, 201 7 $ 5,945 New loans 25 Repayments (221 ) Other changes 2,678 Total loans at December 31, 201 7 $ 8,427

Note N - Employee Benefits (Tab

Note N - Employee Benefits (Tables)	12 Months Ended
	Dec. 31, 2017
Notes Tables
Employee Stock Ownership Plan (ESOP) Disclosures [Table Text Block]	Years ended December 31 201 7 201 6 201 5 Number of shares issued 15,118 24,572 ---- Fair value of stock contributed $ 428 $ 575 $ ---- Cash contributed 250 ---- 674 Total expense $ 678 $ 575 $ 674

Note O - Fair Value of Financ41

Note O - Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2017
Notes Tables
Fair Value, Assets Measured on Recurring and Nonrecurring Basis [Table Text Block]	Fair Value Measurements at December 31, 201 7, 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 ---- $ 13,473 ---- Agency mortgage-backed securities, residential ---- 87,652 ---- Fair Value Measurements at December 31, 201 6, 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 ---- $ 10,544 ---- Agency mortgage-backed securities, residential ---- 85,946 ---- Fair Value Measurements at December 31, 201 7, 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: Nono wner-occupied ---- ---- $ 216 Construction ---- ---- 756 Other real estate owned: Commercial real estate: Construction ---- ---- 822 Fair Value Measurements at December 31, 201 6, 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: O wner-occupied ---- ---- $ 3,536 Nonowner-occupied ---- ---- 1,985 Commercial and industrial ---- ---- 298 Other real estate owned: Commercial real estate: Construction ---- ---- 754
Fair Value Inputs, Assets, Quantitative Information [Table Text Block]	December 31, 2017 Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) Impaired loans: Commercial real estate: Nono wner-occupied $ 216 Sales approach Adjustment to comparables 1.6% to 50% 26.7% Construction 756 Sales approach Adjustment to comparables 1.3% to 55.9% 32.9% Other real estate owned: Commercial real estate: Construction 822 Sales approach Adjustment to comparables 5% to 40% 18.1% December 31, 2016 Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) Impaired loans: Commercial real estate: O wner-occupied $ 3,536 Sales approach Adjustment to comparables 0% to 65% 13.7% Cost approach Adjustment to comparables 0% to 29.5% 14.8% Nonowner-occupied 1,985 Sales approach Adjustment to comparables 0% to 250% 58.6% Commercial and industrial 298 Sales approach Adjustment to comparables 0.9% to 9.7% 5.2% Other real estate owned: Commercial real estate: Construction 754 Sales approach Adjustment to comparables 0% to 30% 11.7%
Fair Value, by Balance Sheet Grouping [Table Text Block]	Fair Value Measurements at December 31, 201 7 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 74 ,573 $ 74 ,573 $ ---- $ ---- $ 74 ,573 Certificates of deposit in financial institutions 1, 820 ---- 1, 820 ---- 1, 820 Securities available for sale 101,125 ---- 101 ,125 ---- 101 ,125 Securities held to maturity 1 7,581 ---- 9, 020 9 ,059 1 8,079 Restricted investments in bank stocks 7 ,506 N/A N/A N/A N/A Loans, net 7 61,820 ---- ---- 7 60,746 7 60,746 Accrued interest receivable 2 ,503 ---- 268 2 ,235 2 ,503 Financial Liabilities: Deposits 856 ,724 2 53,655 602 ,268 ---- 855 ,923 Other borrowed funds 3 5,949 ---- 3 4,810 ---- 3 4,810 Subordinated debentures 8,500 ---- 6 ,678 ---- 6 ,678 Accrued interest payable 792 4 788 ---- 792 Fair Value Measurements at December 31, 201 6 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 40,166 $ 4 0,166 $ ---- $ ---- $ 4 0,166 Certificates of deposit in financial institutions 1,670 ---- 1, 670 ---- 1, 670 Securities available for sale 96,490 ---- 9 6,490 ---- 9 6,490 Securities held to maturity 18,665 ---- 9, 541 9 ,630 19 ,171 Restricted investments in bank stocks 7,506 N/A N/A N/A N/A Loans, net 727,202 ---- ---- 727,079 727,079 Accrued interest receivable 2,315 ---- 224 2,091 2,315 Financial Liabilities: Deposits 790,452 209,576 581,340 ---- 790,916 Other borrowed funds 37,085 ---- 35,948 ---- 35,948 Subordinated debentures 8,500 ---- 5,821 ---- 5,821 Accrued interest payable 513 4 509 ---- 513

Note P - Regulatory Matters (Ta

Note P - Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2017
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Actual Minimum Regulatory Minimum To Be Well 201 7 Amount Ratio Capital Ratio Capitalized ( 1) Total capital (to risk weighted assets) Consolidated $ 118,456 16.6 % 8.0% N/A Bank 107,929 15.3 8.0 10.0% Common equity Tier 1 capital (to risk weighted assets) Consolidated 102,457 14.3 4.5 N/A Bank 100,759 14.3 4.5 6.5 Tier 1 capital (to risk weighted assets) Consolidated 110,957 15.5 6.0 N/A Bank 100,759 14.3 6.0 8.0 Tier 1 capital (to average assets) Consolidated 110,957 11.0 4.0 N/A Bank 100,759 10.1 4.0 5.0 Actual Minimum Regulatory Minimum To Be Well Capitalized Under Prompt Corrective Action Regulations Amount Ratio Capital Amount Ratio 2016 Total capital (to risk weighted assets) Consolidated $ 113,515 16.4 % N/A N/A N/A Bank 104,317 15.3 8.0 % $ 68,289 10.0 % Common equity Tier 1 capital (to risk weighted assets) Consolidated 97,316 14.0 N/A N/A N/A Bank 96,946 14.2 4.5 44,388 6.5 Tier 1 capital (to risk weighted assets) Consolidated 105,816 15.3 N/A N/A N/A Bank 96,946 14.2 6.0 54,631 8.0 Tier 1 capital (to average assets) Consolidated 105,816 11.2 N/A N/A N/A Bank 96,946 10.4 4.0 46,461 5.0

Note Q - Parent Company Only 43

Note Q - Parent Company Only Condensed Financial Information (Tables)	12 Months Ended
	Dec. 31, 2017
Notes Tables
Condensed Balance Sheet [Table Text Block]	Years ended December 31: Assets 20 17 201 6 Cash and cash equivalents $ 3,292 $ 2,747 Investment in subsidiaries 118,775 115,057 Notes receivable – subsidiaries 3,320 3,420 Other assets 67 52 Total assets $ 125,454 $ 121,276 Liabilities Notes payable $ 7,324 $ 7,882 Subordinated debentures 8,500 8,500 Other liabilities 269 366 Total liabilities 16,093 16,748 Shareholders ’ Equity Total shareholders ’ equity 109,361 104,528 Total liabilities and shareholders ’ equity $ 125,454 $ 121,276
Condensed Income Statement [Table Text Block]	Years ended December 31: Income: 201 7 201 6 201 5 Interest on notes $ 51 $ 52 $ 53 Dividends from subsidiaries 4,400 6,900 3,500 Expenses: Interest on notes 211 136 53 Interest on subordinated debentures 248 204 170 Operating expenses 332 667 345 Income before income taxes and equity in undistributed earnings of subsidiaries 3,660 5,945 2,985 Income tax benefit 244 256 167 Equity in undistributed earnings of subsidiaries 3,605 719 5,422 Net Income $ 7,509 $ 6,920 $ 8,574 Comprehensive Income $ 7,622 $ 5,624 $ 7,919
Condensed Cash Flow Statement [Table Text Block]	Years ended December 31: Cash flows from operating activities: 20 17 201 6 201 5 Net Income $ 7,509 $ 6,920 $ 8,574 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiaries (3,605 ) (719 ) (5,422 ) Common stock issued to ESOP 428 575 ---- Change in other assets (15 ) 11 (16 ) Change in other liabilities (97 ) 318 (141 ) Net cash provided by operating activities 4,220 7,105 2,995 Cash flows from investing activities: Cash paid for Milton Bancorp, Inc. acquisition ---- (7,431 ) ---- Change in notes receivable 100 461 (100 ) Net cash provided by (used in) investing activities 100 (6,970 ) (100 ) Cash flows from financing activities: Change in notes payable (558 ) 3,964 128 Proceeds from common stock through dividend reinvestment 715 ---- ---- Cash dividends paid (3,932 ) (3,585 ) (3,665 ) Net cash provided by (used in) financing activities (3,775 ) 379 (3,537 ) Cash and cash equivalents: Change in cash and cash equivalents 545 514 (642 ) Cash and cash equivalents at beginning of year 2,747 2,233 2,875 Cash and cash equivalents at end of year $ 3,292 $ 2,747 $ 2,233

Note R - Segment Information (T

Note R - Segment Information (Tables)	12 Months Ended
	Dec. 31, 2017
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	Year Ended December 31, 201 7 Banking Consumer Finance Total Company Net interest income $ 38,366 $ 3,367 $ 41,733 Provision expense 2,415 149 2,564 Noninterest income 8,834 601 9,435 Noninterest expense 34,079 2,530 36,609 Tax expense 3,973 513 4,486 Net income 6,733 776 7,509 Assets 1,013,386 12,904 1,026,290 Year Ended December 31, 201 6 Banking Consumer Finance Total Company Net interest income $ 33,019 $ 3,307 $ 36,326 Provision expense 2,665 161 2,826 Noninterest income 7,589 650 8,239 Noninterest expense 30,257 2,642 32,899 Tax expense 1,530 390 1,920 Net income 6,156 764 6,920 Assets 941,907 12,733 954,640 Year Ended December 31, 201 5 Banking Consumer Finance Total Company Net interest income $ 30,175 $ 3,320 $ 33,495 Provision expense 1,055 35 1,090 Noninterest income 7,880 717 8,597 Noninterest expense 26,983 2,636 29,619 Tax expense 2,347 462 2,809 Net income 7,670 904 8,574 Assets 782,715 13,570 796,285

Note S - Consolidated Quarter45

Note S - Consolidated Quarterly Financial Information (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2017
Notes Tables
Quarterly Financial Information [Table Text Block]	Quarters Ended Mar. 31 Jun. 30 Sept. 30 Dec. 31 201 7 Total interest income $ 11,738 $ 10,989 $ 11,317 $ 11,664 Total interest expense 873 918 1,049 1,135 Net interest income 10,865 10,071 10,268 10,529 Provision for loan losses ( 1 ) 145 175 1,601 643 Noninterest income ( 3 ) 3,113 2,112 2,282 1,928 Noninterest expense 9,375 9,876 9,222 8,136 Net income 3,217 1,741 1,653 898 Earnings per share $ 0.69 $ 0.37 $ 0.35 $ 0.19 201 6 Total interest income $ 9,770 $ 8,913 $ 9,824 $ 10,841 Total interest expense 670 707 839 806 Net interest income 9,100 8,206 8,985 10,035 Provision for loan losses ( 2 ) 479 141 1,708 498 Noninterest income ( 3 ) 3,235 1,861 1,693 1,450 Noninterest expense 7,969 7,773 8,828 8,329 Net income 2,832 1,706 358 2,024 Earnings per share $ 0.69 $ 0.41 $ 0.08 $ 0.43 201 5 Total interest income $ 9,627 $ 8,866 $ 9,016 $ 8,825 Total interest expense 697 717 731 694 Net interest income 8,930 8,149 8,285 8,131 Provision for loan losses ( 4 ) (78 ) 799 (11 ) 380 Noninterest income ( 3 ) 3,489 1,917 1,584 1,607 Noninterest expense 7,427 7,554 7,727 6,911 Net income 3,624 1,410 1,642 1,898 Earnings per share $ 0.88 $ 0.34 $ 0.40 $ 0.46

Note A - Summary of Significa46

Note A - Summary of Significant Accounting Policies (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Number of Reportable Segments		2
Percentage of Loan Portfolio		100.00%	100.00%
Due from Banks		$ 60,872
Repossessed Assets		1,574	$ 2,129
Servicing Asset		$ 360	$ 387
Weighted Average Number of Shares Outstanding, Basic		4,685,067	4,351,748	4,117,675
Weighted Average Number of Shares Outstanding, Diluted		0	0	0
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent		34.00%
Restricted Cash and Cash Equivalents		$ 61,915	$ 28,102
Goodwill, Impairment Loss		$ 0	$ 0
Scenario, Forecast [Member]
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21.00%
Equipment Furniture and Fixtures [Member] | Minimum [Member]
Property, Plant and Equipment, Useful Life		3 years
Equipment Furniture and Fixtures [Member] | Maximum [Member]
Property, Plant and Equipment, Useful Life		8 years
Building and Building Improvements [Member] | Minimum [Member]
Property, Plant and Equipment, Useful Life		7 years
Building and Building Improvements [Member] | Maximum [Member]
Property, Plant and Equipment, Useful Life		39 years
Unsecured [Member]
Percentage of Loan Portfolio		4.86%	5.61%
Consumer Portfolio Segment [Member]
Period of Actual Loss History Experienced		3 years
Percentage of Loan Portfolio		18.15%	18.27%
Commercial Portfolio Segment [Member]
Period of Actual Loss History Experienced		5 years
Percentage of Loan Portfolio		13.92%	13.69%

Note A - Summary of Significa47

Note A - Summary of Significant Accounting Policies - Composition of Loan Portfolio (Details)	Dec. 31, 2017	Dec. 31, 2016
% Total Loans	100.00%	100.00%
Residential Portfolio Segment [Member]
% Total Loans	40.19%	38.92%
Commercial Real Estate Portfolio Segment [Member]
% Total Loans	27.74%	29.12%
Consumer Portfolio Segment [Member]
% Total Loans	18.15%	18.27%
Commercial Portfolio Segment [Member]
% Total Loans	13.92%	13.69%

Note B - Business Combination48

Note B - Business Combinations (Details Textual) - USD ($) $ / shares in Units, $ in Thousands	Aug. 05, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Business Combination, Acquisition Related Costs		$ 39	$ 930
Assets	$ 950,000	1,026,290	954,640	796,285
Number of Branches	25
Goodwill		$ 7,371	7,801	$ 1,267
Milton Bancorp, Inc [Member]
Business Combination, Number of Common Shares of the Acquiring Entity into Which Common Shares of the Acquired Entity May Be Converted	1,636
Business Combination, Number of Common Shares of the Acquiring Entity into Which Common Shares of the Acquired Entity May Be Converted, Par Value	0
Business Acquisition, Cash Which May Be Paid for the Stock of Acquired Entity	$ 37,219
Business Combination, Exchange of Acquired Entity's Common Shares for Cash or Common Shares of Acquiring Entity, Common Shares Reallocation Percentage	80.00%
Business Acquisition, Number of Issued and Outstanding Common Shares of Acquired Entity	400
Business Combination, Exchange of Acquired Entity's Common Shares for Cash or Common Shares of Acquiring Entity, Cash Reallocation Percentage	20.00%
Business Combination, Number of Acquired Entity Preferred Shares Converted to Receive Cash Payment	1,237
Business Combination, Cash Payment from Conversion of Acquired Preferred Shares	$ 3,600
Business Combination, Consideration Transferred	$ 18,875
Business Combination, Consideration Transferred, Equity Interests Issued and Issuable	11,444
Payments to Acquire Businesses, Gross	7,431
Payments to Acquire Businesses, Portion Financed in Borrowed Funds	5,000
Business Combination, Acquisition Related Costs			$ 930
Goodwill	6,534
Business Combination, Acquired Receivable, Fair Value	111,558
Business Combination, Acquired Receivables, Gross Contractual Amount	$ 112,249

Note B - Business Combination49

Note B - Business Combinations - Assets and Liabilities Assumed (Details) - USD ($) $ in Thousands	Aug. 05, 2016	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Goodwill		$ 7,371	$ 7,801	$ 1,267
Milton Bancorp, Inc [Member]
Cash	$ 7,431
Equity instruments	11,444
Fair value of total consideration transferred	18,875
Cash and cash equivalents	9,201
Securities	5,868
Restricted investments in bank stock	364
Loans	112,479
Premises and equipment	1,826
Other real estate owned	641
Bank owned life insurance	272
Other assets	612
Total assets acquired	132,001
Deposits	119,669
Other liabilities	(9)
Total liabilities assumed	119,660
Total identifiable net assets	12,341
Goodwill	6,534
	18,875
Milton Bancorp, Inc [Member] | Core Deposits [Member]
Core deposit intangible asset	$ 738

Note C - Securities (Details Te

Note C - Securities (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Proceeds from Sale of Available-for-sale Securities			$ 10,550
Available-for-sale Securities Pledged as Collateral	70,078	72,397
Other than Temporary Impairment Losses, Investments	0	0
Debt Securities [Member]
Proceeds from Sale of Available-for-sale Securities	$ 0	$ 0	10,550
Available-for-sale Securities, Gross Realized Gains			$ 163

Note C - Securities - Securitie

Note C - Securities - Securities Available-for-sale (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Securities available for sale, amortized cost	$ 102,455	$ 97,991
Securities available for sale, gross unrealized gains	300	495
Securities available for sale, gross unrealized losses	(1,630)	(1,996)
Securities available for sale	101,125	96,490
US Government-sponsored Enterprises Debt Securities [Member]
Securities available for sale, amortized cost	13,622	10,624
Securities available for sale, gross unrealized gains
Securities available for sale, gross unrealized losses	(149)	(80)
Securities available for sale	13,473	10,544
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Securities available for sale, amortized cost	88,833	87,367
Securities available for sale, gross unrealized gains	300	495
Securities available for sale, gross unrealized losses	(1,481)	(1,916)
Securities available for sale	$ 87,652	$ 85,946

Note C - Securities - Securit52

Note C - Securities - Securities Held-to-maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Securities held to maturity, amortized cost	$ 17,581	$ 18,665
Securities held to maturity, gross unrecognized gains	533	654
Securities held to maturity, gross unrecognized losses	(35)	(148)
Total debt securities, held to maturity, fair value	18,079	19,171
US States and Political Subdivisions Debt Securities [Member]
Securities held to maturity, amortized cost	17,577	18,661
Securities held to maturity, gross unrecognized gains	533	654
Securities held to maturity, gross unrecognized losses	(35)	(148)
Total debt securities, held to maturity, fair value	18,075	19,167
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Securities held to maturity, amortized cost	4	4
Securities held to maturity, gross unrecognized gains
Securities held to maturity, gross unrecognized losses
Total debt securities, held to maturity, fair value	$ 4	$ 4

Note C - Securities - Securit53

Note C - Securities - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Due in one year or less, available for sale, amortized cost	$ 4,601
Due in one year or less, available for sale, fair value	4,593
Due in one year or less, held to maturity, amortized cost	809
Due in one year or less, held to maturity, fair value	819
Due in one to five years, available for sale, amortized cost	9,021
Due in one to five years, available for sale, fair value	8,880
Due in one to five years, held to maturity, amortized cost	7,356
Due in one to five years, held to maturity, fair value	7,559
Due in five to ten years, available for sale, amortized cost
Due in five to ten years, available for sale, fair value
Due in five to ten years, held to maturity, amortized cost	9,204
Due in five to ten years, held to maturity, fair value	9,497
Due after ten years, available for sale, amortized cost
Due after ten years, available for sale, fair value
Due after ten years, held to maturity, amortized cost	208
Due after ten years, held to maturity, fair value	200
Agency mortgage-backed securities, residential, available for sale, amortized cost	88,833
Agency mortgage-backed securities, residential, available for sale, fair value	87,652
Agency mortgage-backed securities, residential, held to maturity, amortized cost	4
Agency mortgage-backed securities, residential, held to maturity, fair value	4
Total debt securities, available for sale, amortized cost	102,455
Total debt securities, available for sale, fair value	101,125
Total debt securities, held to maturity, amortized cost	17,581	$ 18,665
Total debt securities, held to maturity, fair value	$ 18,079	$ 19,171

Note C - Securities - Securit54

Note C - Securities - Securities Available-for-sale With Unrealized Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Less than 12 Months - Fair Value	$ 44,331	$ 74,587
Less than 12 Months - Unrealized Loss	(531)	(1,996)
12 Months or More - Fair Value	38,326
12 Months or More - Unrealized Loss	(1,099)
Fair Value	82,657	74,587
Unrealized Loss	(1,630)	(1,996)
US Government-sponsored Enterprises Debt Securities [Member]
Less than 12 Months - Fair Value	6,910	10,544
Less than 12 Months - Unrealized Loss	(97)	(80)
12 Months or More - Fair Value	6,563
12 Months or More - Unrealized Loss	(52)
Fair Value	13,473	10,544
Unrealized Loss	(149)	(80)
Mortgage-backed Securities, Issued by Private Enterprises [Member]
Less than 12 Months - Fair Value	37,421	64,043
Less than 12 Months - Unrealized Loss	(434)	(1,916)
12 Months or More - Fair Value	31,763
12 Months or More - Unrealized Loss	(1,047)
Fair Value	69,184	64,043
Unrealized Loss	$ (1,481)	$ (1,916)

Note C - Securities - Securit55

Note C - Securities - Securities Held to Maturity With Unrealized Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Less Than 12 Months - Fair Value	$ 362	$ 3,813
Less Than 12 Months - Unrecognized Loss	(2)	(148)
12 Months or More - Fair Value	1,502
12 Months or More - Unrecognized Loss	(33)
Fair Value	1,864	3,813
Unrecognized Loss	(35)	(148)
US States and Political Subdivisions Debt Securities [Member]
Less Than 12 Months - Fair Value	362	3,813
Less Than 12 Months - Unrecognized Loss	(2)	(148)
12 Months or More - Fair Value	1,502
12 Months or More - Unrecognized Loss	(33)
Fair Value	1,864	3,813
Unrecognized Loss	$ (35)	$ (148)

Note D - Loans and Allowance 56

Note D - Loans and Allowance for Loan Losses (Details Textual)	12 Months Ended
	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)	Dec. 31, 2015USD ($)
Increase (Decrease) in Other Loans	$ 899,000
Change In Troubled Debt Restructurings	5.60%
Impaired Financing Receivable, Related Allowance	$ 94,000	$ 2,981,000	$ 2,164,000
Loans and Leases Receivable, Impaired, Commitment to Lend	846,000	2,427,000
Allowance for Loan and Lease Losses, Period Increase (Decrease)	0	11
Allowance for Loan and Lease Losses, Write-offs	$ 0	11,000
Financing Receivable, Modifications, Subsequent Default, Number of Contracts	0		0
Troubled Debt Restrucuturings Placed on Nonaccrual Status, Amount		$ 226,000
Minimum Loan Balance For Loans Evaluated by Risk Categories	$ 500,000
Percentage of Loan Portfolio	100.00%	100.00%
Troubled Debt Restructurings [Member]
Impaired Financing Receivable, Related Allowance	$ 94,000	$ 546,000
Unsecured [Member]
Percentage of Loan Portfolio	4.86%	5.61%
Residential Portfolio Segment [Member]
Real Estate Acquired Through Foreclosure	$ 262,000	$ 938,000
Mortgage Loans in Process of Foreclosure, Amount	$ 2,410,000	$ 1,492,000
Percentage of Loan Portfolio	40.19%	38.92%

Note D - Loans and Allowance 57

Note D - Loans and Allowance for Loan Losses - Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Loans	$ 769,319	$ 734,901
Less: Allowance for loan losses	(7,499)	(7,699)
Loans, net	761,820	727,202
Residential Portfolio Segment [Member]
Loans	309,163	286,022
Commercial Real Estate Portfolio Segment [Member]
Loans	213,446	214,007
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans	73,573	77,605
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans	101,571	90,532
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans	38,302	45,870
Commercial and Industrial Portfolio Segment [Member]
Loans	107,089	100,589
Consumer Portfolio Segment [Member]
Loans	139,621	134,283
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans	68,626	59,772
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans	21,431	20,861
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans	$ 49,564	$ 53,650

Note D - Loans and Allowance 58

Note D - Loans and Allowance for Loan Losses - Allowance for Loan Losses Activity by Portfolio Segment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Balance	$ 7,699	$ 6,648	$ 8,334
Provision for loan losses	2,564	2,826	1,090
Loans charged off	(4,081)	(3,203)	(4,251)
Recoveries	1,317	1,428	1,475
Balance	7,499	7,699	6,648
Residential Portfolio Segment [Member]
Balance	939	1,087	1,426
Provision for loan losses	1,016	(63)	103
Loans charged off	(745)	(384)	(828)
Recoveries	260	299	386
Balance	1,470	939	1,087
Commercial Real Estate Portfolio Segment [Member]
Balance	4,315	1,959	4,195
Provision for loan losses	(632)	2,287	(469)
Loans charged off	(1,067)	(63)	(1,971)
Recoveries	362	132	204
Balance	2,978	4,315	1,959
Commercial and Industrial Portfolio Segment [Member]
Balance	907	2,589	1,602
Provision for loan losses	658	(1,112)	777
Loans charged off	(627)	(586)	(24)
Recoveries	86	16	234
Balance	1,024	907	2,589
Consumer Portfolio Segment [Member]
Balance	1,538	1,013	1,111
Provision for loan losses	1,522	1,714	679
Loans charged off	(1,642)	(2,170)	(1,428)
Recoveries	609	981	651
Balance	$ 2,027	$ 1,538	$ 1,013

Note D - Loans and Allowance 59

Note D - Loans and Allowance for Loan Losses - Allowance for Loan Losses and the Recorded Investment of Loans Based on Impairment Method (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Dec. 31, 2014
Individually evaluated for impairment	$ 94	$ 2,981
Collectively evaluated for impairment	7,405	4,718
Total ending allowance balance	7,499	7,699	$ 6,648	$ 8,334
Loans individually evaluated for impairment	18,108	22,709
Loans collectively evaluated for impairment	751,211	712,192
Total ending loans balance	769,319	734,901
Residential Portfolio Segment [Member]
Individually evaluated for impairment
Collectively evaluated for impairment	1,470	939
Total ending allowance balance	1,470	939	1,087	1,426
Loans individually evaluated for impairment	1,420	717
Loans collectively evaluated for impairment	307,743	285,305
Total ending loans balance	309,163	286,022
Commercial Real Estate Portfolio Segment [Member]
Individually evaluated for impairment	94	2,535
Collectively evaluated for impairment	2,884	1,780
Total ending allowance balance	2,978	4,315	1,959	4,195
Loans individually evaluated for impairment	7,333	13,111
Loans collectively evaluated for impairment	206,113	200,896
Total ending loans balance	213,446	214,007
Commercial and Industrial Portfolio Segment [Member]
Individually evaluated for impairment		241
Collectively evaluated for impairment	1,024	666
Total ending allowance balance	1,024	907	2,589	1,602
Loans individually evaluated for impairment	9,154	8,465
Loans collectively evaluated for impairment	97,935	92,124
Total ending loans balance	107,089	100,589
Consumer Portfolio Segment [Member]
Individually evaluated for impairment		205
Collectively evaluated for impairment	2,027	1,333
Total ending allowance balance	2,027	1,538	$ 1,013	$ 1,111
Loans individually evaluated for impairment	201	416
Loans collectively evaluated for impairment	139,420	133,867
Total ending loans balance	$ 139,621	$ 134,283

Note D - Loans and Allowance 60

Note D - Loans and Allowance for Loan Losses - Loans Individually Evaluated for Impairment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Allowance for Loan Losses Allocated	$ 94	$ 2,981	$ 2,164
Unpaid principal balance	19,917	25,176	20,180
Recorded investment	18,108	22,709	17,228
Average impaired loans	15,958	19,893	15,894
Interest income recognized	855	1,145	700
Cash basis interest recognized	855	1,145	700
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Unpaid principal balance - with allowance recorded	372	384	396
Recorded investment - with allowance recorded	372	384	396
Allowance for Loan Losses Allocated	94	100	107
Average impaired loans - with allowance recorded	378	390	402
Interest income recognized - with allowance recorded	17	19	75
Cash basis interest recognized - with allowance recorded	17	19	75
Unpaid principal balance - with no allowance recorded	4,989	5,078	5,178
Recorded investment - with no allowance recorded	3,534	3,632	2,773
Average impaired loans - with no allowance recorded	3,521	3,572	3,439
Interest income recognized - with no allowance recorded	81	79	49
Cash basis interest recognized - with no allowance recorded	81	79	49
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Unpaid principal balance - with allowance recorded	3,427	5,477	204
Recorded investment - with allowance recorded	3,427	5,477	204
Allowance for Loan Losses Allocated		2,435	204
Average impaired loans - with allowance recorded	2,456	3,185	204
Interest income recognized - with allowance recorded	184	300	13
Cash basis interest recognized - with allowance recorded	184	300	13
Unpaid principal balance - with no allowance recorded		3,638	3,812
Recorded investment - with no allowance recorded		3,091	3,265
Average impaired loans - with no allowance recorded		3,005	2,747
Interest income recognized - with no allowance recorded		178	181
Cash basis interest recognized - with no allowance recorded		178	181
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Unpaid principal balance - with no allowance recorded	352	1,001	680
Recorded investment - with no allowance recorded		527	680
Average impaired loans - with no allowance recorded		522	544
Interest income recognized - with no allowance recorded	19	136
Cash basis interest recognized - with no allowance recorded	19	136
Residential Portfolio Segment [Member]
Unpaid principal balance - with no allowance recorded	1,420	717	1,001
Recorded investment - with no allowance recorded	1,420	717	1,001
Average impaired loans - with no allowance recorded	851	726	809
Interest income recognized - with no allowance recorded	66	31	45
Cash basis interest recognized - with no allowance recorded	66	31	45
Commercial and Industrial Portfolio Segment [Member]
Unpaid principal balance - with allowance recorded	9,154	392	4,355
Recorded investment - with allowance recorded	9,154	392	4,355
Allowance for Loan Losses Allocated		241	1,850
Average impaired loans - with allowance recorded	8,544	391	3,545
Interest income recognized - with allowance recorded	481		149
Cash basis interest recognized - with allowance recorded	481		149
Unpaid principal balance - with no allowance recorded		8,073	4,336
Recorded investment - with no allowance recorded		8,073	4,336
Average impaired loans - with no allowance recorded		7,681	3,985
Interest income recognized - with no allowance recorded		381	180
Cash basis interest recognized - with no allowance recorded		381	180
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Unpaid principal balance - with allowance recorded	203	416	218
Recorded investment - with allowance recorded	201	416	218
Allowance for Loan Losses Allocated		205	3
Average impaired loans - with allowance recorded	208	421	219
Interest income recognized - with allowance recorded	7	21	8
Cash basis interest recognized - with allowance recorded	$ 7	$ 21	$ 8

Note D - Loans and Allowance 61

Note D - Loans and Allowance for Loan Losses - Nonaccrual Loans and Loans Past Due 90 Days or More and Still Accruing (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Loans past due 90 days and still accruing	$ 334	$ 327
Nonaccrual	10,112	8,961
Residential Portfolio Segment [Member]
Loans past due 90 days and still accruing	131	132
Nonaccrual	5,906	3,445
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans past due 90 days and still accruing		28
Nonaccrual	476	1,571
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans past due 90 days and still accruing
Nonaccrual	2,454	2,506
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans past due 90 days and still accruing
Nonaccrual	444	527
Commercial and Industrial Portfolio Segment [Member]
Loans past due 90 days and still accruing
Nonaccrual	337	867
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due 90 days and still accruing	127	121
Nonaccrual	86	5
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans past due 90 days and still accruing
Nonaccrual	283	34
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due 90 days and still accruing	76	46
Nonaccrual	$ 126	$ 6

Note D - Loans and Allowance 62

Note D - Loans and Allowance for Loan Losses - Past Due Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Loans past due	$ 14,828	$ 17,076
Loans, current	754,491	717,825
Loans	769,319	734,901
Residential Portfolio Segment [Member]
Loans past due	7,727	6,882
Loans, current	301,436	279,140
Loans	309,163	286,022
Commercial Real Estate Portfolio Segment [Member]
Loans	213,446	214,007
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans past due	515	1,825
Loans, current	73,058	75,780
Loans	73,573	77,605
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans past due	2,378	2,785
Loans, current	99,193	87,747
Loans	101,571	90,532
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans past due	169	300
Loans, current	38,133	45,570
Loans	38,302	45,870
Commercial and Industrial Portfolio Segment [Member]
Loans past due	737	2,566
Loans, current	106,352	98,023
Loans	107,089	100,589
Consumer Portfolio Segment [Member]
Loans	139,621	134,283
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due	1,754	1,438
Loans, current	66,872	58,334
Loans	68,626	59,772
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans past due	389	394
Loans, current	21,042	20,467
Loans	21,431	20,861
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due	1,159	886
Loans, current	48,405	52,764
Loans	49,564	53,650
Financing Receivables, 30 to 59 Days Past Due [Member]
Loans past due	8,232	7,597
Financing Receivables, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans past due	5,383	3,728
Financing Receivables, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans past due	194	134
Financing Receivables, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans past due	140	261
Financing Receivables, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans past due		66
Financing Receivables, 30 to 59 Days Past Due [Member] | Commercial and Industrial Portfolio Segment [Member]
Loans past due	303	1,283
Financing Receivables, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due	1,257	1,091
Financing Receivables, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans past due	90	349
Financing Receivables, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due	865	685
Financing Receivables, 60 to 89 Days Past Due [Member]
Loans past due	1,911	2,293
Financing Receivables, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans past due	671	953
Financing Receivables, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans past due	161	366
Financing Receivables, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans past due		18
Financing Receivables, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans past due		52
Financing Receivables, 60 to 89 Days Past Due [Member] | Commercial and Industrial Portfolio Segment [Member]
Loans past due	243	483
Financing Receivables, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due	346	221
Financing Receivables, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans past due	272	45
Financing Receivables, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due	218	155
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Loans past due	4,685	7,186
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans past due	1,673	2,201
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans past due	160	1,325
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans past due	2,238	2,506
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans past due	169	182
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Commercial and Industrial Portfolio Segment [Member]
Loans past due	191	800
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due	151	126
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans past due	27
Financing Receivables, Equal to Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due	$ 76	$ 46

Note D - Loans and Allowance 63

Note D - Loans and Allowance for Loan Losses - TDR Loan Modifications (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Troubled Debt Restructuring	$ 16,942	$ 16,043
Residential Portfolio Segment [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring	697	717
Residential Portfolio Segment [Member] | Extended Maturity [Member]
Troubled Debt Restructuring	1,466
Residential Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member]
Troubled Debt Restructuring	410
Commercial Real Estate Portfolio Segment [Member] | Interest Only Payments [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring	997	284
Commercial Real Estate Portfolio Segment [Member] | Interest Only Payments [Member] | Commercial Real Estate Nonowner Occupied [Member]
Troubled Debt Restructuring	2,521	2,810
Commercial Real Estate Portfolio Segment [Member] | Reduction of Principal and Interest Payments [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring	554	579
Commercial Real Estate Portfolio Segment [Member] | Contractual Interest Rate Reduction [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring		232
Commercial Real Estate Portfolio Segment [Member] | Contractual Interest Rate Reduction [Member] | Commercial Real Estate Nonowner Occupied [Member]
Troubled Debt Restructuring	372	384
Commercial Real Estate Portfolio Segment [Member] | Extended Maturity [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring	201	1,582
Commercial Real Estate Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring		574
Commercial Real Estate Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member] | Commercial Real Estate Nonowner Occupied [Member]
Troubled Debt Restructuring	570
Commercial and Industrial Portfolio Segment [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring	9,154	8,074
Commercial and Industrial Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member]
Troubled Debt Restructuring		391
Consumer Portfolio Segment [Member] | Extended Maturity [Member] | Home Equity Loan [Member]
Troubled Debt Restructuring		213
Consumer Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member] | Home Equity Loan [Member]
Troubled Debt Restructuring		203
Performing Financial Instruments [Member]
Troubled Debt Restructuring	14,780	13,210
Performing Financial Instruments [Member] | Residential Portfolio Segment [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring	697	717
Performing Financial Instruments [Member] | Residential Portfolio Segment [Member] | Extended Maturity [Member]
Troubled Debt Restructuring	1,466
Performing Financial Instruments [Member] | Residential Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member]
Troubled Debt Restructuring	410
Performing Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Interest Only Payments [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring	997	284
Performing Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Interest Only Payments [Member] | Commercial Real Estate Nonowner Occupied [Member]
Troubled Debt Restructuring	560	600
Performing Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Reduction of Principal and Interest Payments [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring	554	579
Performing Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Contractual Interest Rate Reduction [Member] | Commercial Real Estate Nonowner Occupied [Member]
Troubled Debt Restructuring	372	384
Performing Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Extended Maturity [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring		1,582
Performing Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring		574
Performing Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member] | Commercial Real Estate Nonowner Occupied [Member]
Troubled Debt Restructuring	570
Performing Financial Instruments [Member] | Commercial and Industrial Portfolio Segment [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring	9,154	8,074
Performing Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Extended Maturity [Member] | Home Equity Loan [Member]
Troubled Debt Restructuring		213
Performing Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member] | Home Equity Loan [Member]
Troubled Debt Restructuring		203
Nonperforming Financial Instruments [Member]
Troubled Debt Restructuring	2,162	2,833
Nonperforming Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Interest Only Payments [Member] | Commercial Real Estate Nonowner Occupied [Member]
Troubled Debt Restructuring	1,961	2,210
Nonperforming Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Contractual Interest Rate Reduction [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring		232
Nonperforming Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Extended Maturity [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring	$ 201
Nonperforming Financial Instruments [Member] | Commercial and Industrial Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member]
Troubled Debt Restructuring		$ 391

Note D - Loans and Allowance 64

Note D - Loans and Allowance for Loan Losses - TDRs Pre-modification and Post-modification (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2017USD ($)	Dec. 31, 2016USD ($)
Number of Loans	2	2
Performing Financial Instruments [Member]
Pre-modification recorded investment	$ 1,409	$ 574
Post-modification recorded investment	1,409	574
Nonperforming Financial Instruments [Member]
Pre-modification recorded investment		226
Post-modification recorded investment		$ 226
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Interest Only Payments [Member]
Number of Loans	1
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Interest Only Payments [Member] | Performing Financial Instruments [Member]
Pre-modification recorded investment	$ 997
Post-modification recorded investment	997
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Interest Only Payments [Member] | Nonperforming Financial Instruments [Member]
Pre-modification recorded investment
Post-modification recorded investment
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Interest Rate Below Market Reduction [Member]
Number of Loans	1
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Interest Rate Below Market Reduction [Member] | Performing Financial Instruments [Member]
Pre-modification recorded investment	$ 412
Post-modification recorded investment	412
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Interest Rate Below Market Reduction [Member] | Nonperforming Financial Instruments [Member]
Pre-modification recorded investment
Post-modification recorded investment
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Interest Only Payments [Member]
Number of Loans		1
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Interest Only Payments [Member] | Performing Financial Instruments [Member]
Pre-modification recorded investment
Post-modification recorded investment
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Interest Only Payments [Member] | Nonperforming Financial Instruments [Member]
Pre-modification recorded investment		226
Post-modification recorded investment		$ 226
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Interest Rate Below Market Reduction [Member]
Number of Loans		1
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Interest Rate Below Market Reduction [Member] | Performing Financial Instruments [Member]
Pre-modification recorded investment		$ 574
Post-modification recorded investment		574
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Interest Rate Below Market Reduction [Member] | Nonperforming Financial Instruments [Member]
Pre-modification recorded investment
Post-modification recorded investment

Note D - Loans and Allowance 65

Note D - Loans and Allowance for Loan Losses - Risk Category of Commercial Loans by Class of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Loans receivable	$ 769,319	$ 734,901
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	213,446	214,007
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans receivable	73,573	77,605
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans receivable	101,571	90,532
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans receivable	38,302	45,870
Commercial and Industrial Portfolio Segment [Member]
Loans receivable	107,089	100,589
Commercial Portfolio Segment [Member]
Loans receivable	320,535	314,596
Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans receivable	64,993	66,495
Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans receivable	93,197	83,103
Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans receivable	37,735	45,325
Pass [Member] | Commercial and Industrial Portfolio Segment [Member]
Loans receivable	91,097	94,091
Pass [Member] | Commercial Portfolio Segment [Member]
Loans receivable	287,022	289,014
Criticized [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans receivable	934	428
Criticized [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans receivable	3,776	2,364
Criticized [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans receivable	156
Criticized [Member] | Commercial and Industrial Portfolio Segment [Member]
Loans receivable	6,058	188
Criticized [Member] | Commercial Portfolio Segment [Member]
Loans receivable	10,924	2,980
Classified [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans receivable	7,646	10,682
Classified [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans receivable	4,598	5,065
Classified [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans receivable	411	545
Classified [Member] | Commercial and Industrial Portfolio Segment [Member]
Loans receivable	9,934	6,310
Classified [Member] | Commercial Portfolio Segment [Member]
Loans receivable	$ 22,589	$ 22,602

Note D - Loans and Allowance 66

Note D - Loans and Allowance for Loan Losses - Recorded Investment of Residential and Consumer Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Loans receivable	$ 769,319	$ 734,901
Consumer Portfolio Segment [Member]
Loans receivable	139,621	134,283
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans receivable	68,626	59,772
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	21,431	20,861
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans receivable	49,564	53,650
Residential Portfolio Segment [Member]
Loans receivable	309,163	286,022
Consumer and Residential Portfolio Segment [Member]
Loans receivable	448,784	420,305
Performing Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans receivable	68,413	59,646
Performing Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	21,148	20,827
Performing Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans receivable	49,362	53,598
Performing Financial Instruments [Member] | Residential Portfolio Segment [Member]
Loans receivable	303,126	282,445
Performing Financial Instruments [Member] | Consumer and Residential Portfolio Segment [Member]
Loans receivable	442,049	416,516
Nonperforming Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans receivable	213	126
Nonperforming Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	283	34
Nonperforming Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans receivable	202	52
Nonperforming Financial Instruments [Member] | Residential Portfolio Segment [Member]
Loans receivable	6,037	3,577
Nonperforming Financial Instruments [Member] | Consumer and Residential Portfolio Segment [Member]
Loans receivable	$ 6,735	$ 3,789

Note E - Premises and Equipme67

Note E - Premises and Equipment (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Operating Leases, Rent Expense, Net	$ 344	$ 464	$ 464

Note E - Premises and Equipme68

Note E - Premises and Equipment - Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Land	$ 2,641	$ 2,348
Buildings	13,913	13,247
Leasehold improvements	1,267	1,238
Furniture and equipment	5,675	5,085
	23,496	21,918
Less accumulated depreciation	10,215	9,135
Total premises and equipment	$ 13,281	$ 12,783

Note E - Premises and Equipme69

Note E - Premises and Equipment - Future Minimum Lease Payments (Details) $ in Thousands	Dec. 31, 2017USD ($)
2,018	$ 253
2,019	68
2,020	64
2,021	40
2,022	7
Thereafter
	$ 432

Note F - Goodwill and Intangi70

Note F - Goodwill and Intangible Assets (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Goodwill, Impairment Loss	$ 0	$ 0
Amortization of Intangible Assets	$ 156	$ 68

Note F - Goodwill and Intangi71

Note F - Goodwill and Intangible Assets - Goodwill (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Beginning of year	$ 7,801	$ 1,267
Acquired goodwill		6,534
Impairment	0	0
Finalization of Milton acquisition accounting	(430)
End of year	$ 7,371	$ 7,801

Note F - Goodwill and Intangi72

Note F - Goodwill and Intangible Assets - Intangible Assets (Details) - Core Deposits [Member] - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Gross Carrying Amount	$ 738	$ 738
Accumulated Amortization	$ 224	$ 68

Note F - Goodwill and Intangi73

Note F - Goodwill and Intangible Assets - Future Estimated Amortization Expense (Details) $ in Thousands	Dec. 31, 2017USD ($)
2,018	$ 135
2,019	114
2,020	94
2,021	74
2,022	53
Thereafter	44
Total	$ 514

Note G - Deposits (Details Text

Note G - Deposits (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Interest-bearing Domestic Deposit, Brokered	$ 34,363	$ 22,463

Note G - Deposits - Interest-Be

Note G - Deposits - Interest-Bearing Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
NOW accounts	$ 158,650	$ 155,051
Savings and Money Market	241,018	237,761
In denominations of $250,000 or less	181,690	168,546
In denominations of more than $250,000	21,711	19,518
Total	203,401	188,064
Total interest-bearing deposits	$ 603,069	$ 580,876

Note G - Deposits - Time Deposi

Note G - Deposits - Time Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
2,018	$ 109,278
2,019	43,077
2,020	22,696
2,021	14,413
2,022	13,578
Thereafter	359
Total	$ 203,401	$ 188,064

Note H - Interest Rate Swaps (D

Note H - Interest Rate Swaps (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Deposit Assets	$ 350	$ 350
Interest Rate Swap [Member]
Derivative Asset, Notional Amount	7,234	9,725
Interest Rate Derivative Instruments Not Designated as Hedging Instruments at Fair Value, Net	$ 57	$ 22

Note I - Other Borrowed Funds78

Note I - Other Borrowed Funds (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Mar. 22, 2007
Federal Home Loan Bank, Advances, Maturities Summary, Fixed Rate	$ 28,596
Federal Home Loan Bank, Advances, Maturities Summary, Floating Rate	0
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available	232,588
Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds	$ 143,992
Debt Instrument, Interest Rate, Stated Percentage	3.27%	2.64%	6.58%
Debt, Weighted Average Interest Rate	2.77%	2.34%
Notes Payable to Bank	$ 3,440
Director [Member]
Notes Payable, Related Parties	360	$ 360
FHLB Line of Credit [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available	80,000
Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds	80,000
Letters of Credit Outstanding, Amount	$ 60,000	$ 45,000
Minimum [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Interest Rate	1.53%
Debt Instrument, Interest Rate, Stated Percentage	1.25%
Maximum [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Interest Rate	3.31%
Debt Instrument, Interest Rate, Stated Percentage	4.09%
Weighted Average [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Interest Rate	2.15%	2.08%
Residential Mortgage [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	$ 299,673
Commercial Loan [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	80,036
FHLB Stock [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	5,365
Federal Home Loan Bank Advances [Member]
Capital Lease Obligations	$ 29	$ 73

Note I - Other Borrowed Funds -

Note I - Other Borrowed Funds - Other Borrowed Funds (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Other borrowed funds	$ 35,949	$ 37,085
Federal Home Loan Bank Advances [Member]
Other borrowed funds	28,625	29,203
Promissory Notes [Member]
Other borrowed funds	$ 7,324	$ 7,882

Note I - Other Borrowed Funds80

Note I - Other Borrowed Funds - Scheduled Principal Payments (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
2,018	$ 5,516
2,019	5,323
2,020	3,060
2,021	2,780
2,022	2,717
Thereafter	16,553
	35,949	$ 37,085
Federal Home Loan Bank Advances [Member]
2,018	3,255
2,019	2,724
2,020	2,541
2,021	2,239
2,022	2,153
Thereafter	15,713
	28,625	29,203
Promissory Notes [Member]
2,018	2,261
2,019	2,599
2,020	519
2,021	541
2,022	564
Thereafter	840
	$ 7,324	$ 7,882

Note J - Subordinated Debentu81

Note J - Subordinated Debentures and Trust Preferred Securities (Details Textual) - USD ($) $ in Thousands	Mar. 15, 2012	Mar. 22, 2007	Dec. 31, 2017	Dec. 31, 2016
Proceeds from Issuance of Trust Preferred Securities		$ 8,500
Debt Instrument, Interest Rate, Stated Percentage		6.58%	3.27%	2.64%
Debt Instrument, Term		5 years
Debt Issuance Costs, Net			$ 0	$ 0
London Interbank Offered Rate (LIBOR) [Member]
Debt Instrument, Basis Spread on Variable Rate	1.68%

Note K - Income Taxes (Details

Note K - Income Taxes (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent		34.00%
Income Tax Expense (Benefit), Continuing Operations, Adjustment of Deferred Tax (Asset) Liability		$ 1,800
Operating Loss Carryforwards		$ 705
Effective Income Tax Rate Reconciliation, Percent		34.00%
Unrecognized Tax Benefits		$ 0	$ 0
Significant Change in Unrecognized Tax Benefits is Reasonably Possible, Amount of Unrecorded Benefit		$ 1,200
Domestic Tax Authority [Member] | Internal Revenue Service (IRS) [Member] | Earliest Tax Year [Member]
Open Tax Year		2,014
Domestic Tax Authority [Member] | Internal Revenue Service (IRS) [Member] | Latest Tax Year [Member]
Open Tax Year		2,016
State and Local Jurisdiction [Member] | Earliest Tax Year [Member]
Open Tax Year		2,014
State and Local Jurisdiction [Member] | Latest Tax Year [Member]
Open Tax Year		2,016
Scenario, Forecast [Member]
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21.00%

Note K - Income Taxes - Provisi

Note K - Income Taxes - Provision for Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Current tax expense	$ 2,579	$ 2,645	$ 2,218
Deferred tax (benefit) expense	1,907	(725)	591
Total income taxes	$ 4,486	$ 1,920	$ 2,809

Note K - Income Taxes - Deferre

Note K - Income Taxes - Deferred Tax Assets and Deferred Tax Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Allowance for loan losses	$ 1,631	$ 2,538
Unrealized loss on securities available for sale	279	510
Deferred compensation	1,466	2,194
Deferred loan fees/costs	130	248
Other real estate owned	377	719
Accrued bonus	234	240
Purchase accounting adjustments	56	305
Net operating loss	148	258
Other	212	275
Mortgage servicing rights	(78)	(134)
FHLB stock dividends	(676)	(1,078)
Prepaid expenses	(149)	(283)
Depreciation and amortization	(627)	(823)
Other	(3)	(4)
Net deferred tax asset	$ 3,000	$ 4,965

Note K - Income Taxes - Income

Note K - Income Taxes - Income Tax Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Statutory tax	$ 4,078	$ 3,006	$ 3,870
Effect of nontaxable insurance premiums	(303)	(340)	(336)
Effect of postretirement benefits	(78)	(19)	71
Effect of nontaxable life insurance death proceeds	(175)		(11)
Impact from TCJA	1,783
Effect of state income tax	70	64	66
Tax credits	(191)	(211)	(221)
Milton Merger Costs	4	73
Other items	42	19	17
Total income taxes	4,486	1,920	2,809
Nontaxable Interest Income [Member]
Effect of nontaxable income	(514)	(433)	(437)
Bank Owned Insurance Income [Member]
Effect of nontaxable income	$ (230)	$ (239)	$ (210)

Note L - Commitments and Cont86

Note L - Commitments and Contingent Liabilities (Details Textual)	Dec. 31, 2017	Dec. 31, 2016	Mar. 22, 2007
Debt Instrument, Interest Rate, Stated Percentage	3.27%	2.64%	6.58%
Minimum [Member]
Debt Instrument, Interest Rate, Stated Percentage	1.25%
Maximum [Member]
Debt Instrument, Interest Rate, Stated Percentage	4.09%
Fixed Rate Commitments [Member] | Minimum [Member]
Debt Instrument, Interest Rate, Stated Percentage	3.75%
Fixed Rate Commitments [Member] | Maximum [Member]
Debt Instrument, Interest Rate, Stated Percentage	6.25%

Note L - Commitments and Cont87

Note L - Commitments and Contingent Liabilities - Commitments (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Standby Letters of Credit [Member]
Other commitment	$ 4,139	$ 5,134
Fixed Rate Commitments [Member]
Other commitment	96	271
Variable Rate Commitments [Member]
Other commitment	$ 64,624	$ 61,786

Note M - Related Party Transa88

Note M - Related Party Transactions (Details Textual) - USD ($) $ in Thousands	Mar. 22, 2007	Dec. 31, 2017	Dec. 31, 2016
Minimum Related Party Loan		$ 120
Related Party Deposit Liabilities		$ 44,877	$ 38,867
Debt Instrument, Term	5 years
Debt Instrument, Interest Rate, Stated Percentage	6.58%	3.27%	2.64%
Promissory Note Payable to Director [Member]
Debt Instrument, Term		3 years
Debt Instrument, Interest Rate, Stated Percentage		1.75%
Director [Member]
Notes Payable, Related Parties		$ 360	$ 360

Note M - Related Party Transa89

Note M - Related Party Transactions - Related Party Loans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2017USD ($)
Total loans at January 1, 2017	$ 5,945
New loans	25
Repayments	(221)
Other changes	2,678
Total loans at December 31, 2017	$ 8,427

Note N - Employee Benefits (Det

Note N - Employee Benefits (Details Textual) - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Defined Contribution Plan, Cost	$ 340	$ 290	$ 288
Employee Stock Ownership Plan (ESOP), Shares in ESOP	361,584	350,170
Cash Surrender Value of Life Insurance	$ 26,633
Deferred Compensation Plan Assets	2,042
Defined Benefit Plan, Expected Future Benefit Payment, Next Twelve Months	6,740	$ 6,328
Defined Benefit Plan, Benefit Obligation	2,776	3,007
Proceeds from Life Insurance Policy	2,107
Insurance Settlements Receivable	1,993
Life Insurance, Corporate or Bank Owned, Change in Value	3,586
Gain on Bank Owned Life Insurance Policies	514
Other Assets [Member]
Insurance Settlements Receivable	1,993
Supplemental Retirement Plans [Member]
Defined Contribution Plan, Cost	$ 490	$ 399	$ 338

Note N - Employee Benefits - Em

Note N - Employee Benefits - Employee Stock Ownership Plan (ESOP) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Number of shares issued (in shares)	15,118	24,572
Fair value of stock contributed	$ 428	$ 575
Cash contributed	250		674
Total expense	$ 678	$ 575	$ 674

Note O - Fair Value of Financ92

Note O - Fair Value of Financial Instruments (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Selling Costs, Percentage	10.00%
Impaired Financing Receivable, Related Allowance	$ 94	$ 2,981	$ 2,164
Other Real Estate	822	754
Other Real Estate, Gross	2,217	2,217
Real Estate Owned, Valuation Allowance	1,395	1,463
SEC Schedule III, Real Estate, Write-down or Reserve, Amount	68	393
Collateral Dependent Loans [Member]
Impaired Financing Receivable, with Related Allowance, Recorded Investment	972	8,732
Impaired Financing Receivable, Related Allowance	0	2,913
Provision for Loan Losses Expensed	0	2,509
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down	$ 0	$ 0

Note O - Fair Value of Financ93

Note O - Fair Value of Financial Instruments - Assets and Liabilities Measured at Fair Value on a Recurring and Nonrecurring Basis (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Fair Value, Inputs, Level 1 [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Assets measured on a recurring basis
Fair Value, Inputs, Level 1 [Member] | Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Assets measured on a nonrecurring basis
Fair Value, Inputs, Level 1 [Member] | Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Assets measured on a nonrecurring basis
Fair Value, Inputs, Level 1 [Member] | Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Assets measured on a nonrecurring basis
Fair Value, Inputs, Level 1 [Member] | Impaired Loans [Member] | Commercial Portfolio Segment [Member]
Assets measured on a nonrecurring basis
Fair Value, Inputs, Level 1 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Assets measured on a recurring basis
Fair Value, Inputs, Level 1 [Member] | Other Real Estate Owned [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Assets measured on a nonrecurring basis
Fair Value, Inputs, Level 2 [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Assets measured on a recurring basis	13,473	10,544
Fair Value, Inputs, Level 2 [Member] | Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Assets measured on a nonrecurring basis
Fair Value, Inputs, Level 2 [Member] | Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Assets measured on a nonrecurring basis
Fair Value, Inputs, Level 2 [Member] | Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Assets measured on a nonrecurring basis
Fair Value, Inputs, Level 2 [Member] | Impaired Loans [Member] | Commercial Portfolio Segment [Member]
Assets measured on a nonrecurring basis
Fair Value, Inputs, Level 2 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Assets measured on a recurring basis	87,652	85,946
Fair Value, Inputs, Level 2 [Member] | Other Real Estate Owned [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Assets measured on a nonrecurring basis
Fair Value, Inputs, Level 3 [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Assets measured on a recurring basis
Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Assets measured on a nonrecurring basis	216	1,985
Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Assets measured on a nonrecurring basis		3,536
Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Assets measured on a nonrecurring basis	756
Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member] | Commercial Portfolio Segment [Member]
Assets measured on a nonrecurring basis		298
Fair Value, Inputs, Level 3 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Assets measured on a recurring basis
Fair Value, Inputs, Level 3 [Member] | Other Real Estate Owned [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Assets measured on a nonrecurring basis	$ 822	$ 754

Note O - Fair Value of Financ94

Note O - Fair Value of Financial Instruments - Level 3 Fair Value Measurements (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Market Approach Valuation Technique [Member]
Fair Value	$ 216	$ 1,985
Valuation Technique	Sales approach	Sales approach
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Market Approach Valuation Technique [Member] | Minimum [Member]
Range	1.60%	0.00%
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Market Approach Valuation Technique [Member] | Maximum [Member]
Range	50.00%	250.00%
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Market Approach Valuation Technique [Member] | Weighted Average [Member]
Range	26.70%	58.60%
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Market Approach Valuation Technique [Member]
Fair Value		$ 3,536
Valuation Technique		Sales approach
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Market Approach Valuation Technique [Member] | Minimum [Member]
Range		0.00%
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Market Approach Valuation Technique [Member] | Maximum [Member]
Range		65.00%
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Market Approach Valuation Technique [Member] | Weighted Average [Member]
Range		13.70%
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Cost Approach Valuation Technique [Member]
Fair Value
Valuation Technique		Cost approach
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Cost Approach Valuation Technique [Member] | Minimum [Member]
Range		0.00%
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Cost Approach Valuation Technique [Member] | Maximum [Member]
Range		29.50%
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Cost Approach Valuation Technique [Member] | Weighted Average [Member]
Range		14.80%
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Market Approach Valuation Technique [Member]
Fair Value	$ 756
Valuation Technique	Sales approach
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Market Approach Valuation Technique [Member] | Minimum [Member]
Range	1.30%
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Market Approach Valuation Technique [Member] | Maximum [Member]
Range	55.90%
Impaired Loans [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Market Approach Valuation Technique [Member] | Weighted Average [Member]
Range	32.90%
Impaired Loans [Member] | Commercial and Industrial Portfolio Segment [Member] | Market Approach Valuation Technique [Member]
Fair Value		$ 298
Valuation Technique		Sales approach
Impaired Loans [Member] | Commercial and Industrial Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Minimum [Member]
Range		0.90%
Impaired Loans [Member] | Commercial and Industrial Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Maximum [Member]
Range		9.70%
Impaired Loans [Member] | Commercial and Industrial Portfolio Segment [Member] | Market Approach Valuation Technique [Member] | Weighted Average [Member]
Range		5.20%
Other Real Estate Owned [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Market Approach Valuation Technique [Member]
Fair Value	$ 822	$ 754
Valuation Technique	Sales approach	Sales approach
Other Real Estate Owned [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Market Approach Valuation Technique [Member] | Minimum [Member]
Range	5.00%	0.00%
Other Real Estate Owned [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Market Approach Valuation Technique [Member] | Maximum [Member]
Range	40.00%	30.00%
Other Real Estate Owned [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Market Approach Valuation Technique [Member] | Weighted Average [Member]
Range	18.10%	11.70%

Note O - Fair Value of Financ95

Note O - Fair Value of Financial Instruments - Fair Value Measurements (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016
Securities available for sale	$ 101,125	$ 96,490
Total debt securities, held to maturity, fair value	18,079	19,171
Reported Value Measurement [Member]
Cash and cash equivalents	74,573	40,166
Certificates of deposit in financial institutions	1,820	1,670
Securities available for sale	101,125	96,490
Total debt securities, held to maturity, fair value	17,581	18,665
Restricted investments in bank stocks	7,506	7,506
Loans, net	761,820	727,202
Accrued interest receivable	2,503	2,315
Deposits	856,724	790,452
Other borrowed funds	35,949	37,085
Subordinated debentures	8,500	8,500
Accrued interest payable	792	513
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	74,573	40,166
Certificates of deposit in financial institutions	1,820	1,670
Securities available for sale	101,125	96,490
Total debt securities, held to maturity, fair value	18,079	19,171
Restricted investments in bank stocks
Loans, net	760,746	727,079
Accrued interest receivable	2,503	2,315
Deposits	855,923	790,916
Other borrowed funds	34,810	35,948
Subordinated debentures	6,678	5,821
Accrued interest payable	792	513
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	74,573	40,166
Certificates of deposit in financial institutions
Securities available for sale
Total debt securities, held to maturity, fair value
Restricted investments in bank stocks
Loans, net
Accrued interest receivable
Deposits	253,655	209,576
Other borrowed funds
Subordinated debentures
Accrued interest payable	4	4
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Cash and cash equivalents
Certificates of deposit in financial institutions	1,820	1,670
Securities available for sale	101,125	96,490
Total debt securities, held to maturity, fair value	9,020	9,541
Restricted investments in bank stocks
Loans, net
Accrued interest receivable	268	224
Deposits	602,268	581,340
Other borrowed funds	34,810	35,948
Subordinated debentures	6,678	5,821
Accrued interest payable	788	509
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Cash and cash equivalents
Certificates of deposit in financial institutions
Securities available for sale
Total debt securities, held to maturity, fair value	9,059	9,630
Restricted investments in bank stocks
Loans, net	760,746	727,079
Accrued interest receivable	2,235	2,091
Deposits
Other borrowed funds
Subordinated debentures
Accrued interest payable

Note P - Regulatory Matters (De

Note P - Regulatory Matters (Details Textual) - USD ($) $ in Thousands	Jan. 01, 2019	Dec. 31, 2017	Jan. 01, 2017	Jan. 01, 2016	Dec. 31, 2014
Common Equity Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted		4.50%
Capital Conservation Buffer			1.25%
Capital Conservation Buffer Phase In Amount				0.625%
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets		6.00%			4.00%
Tier One Leverage Capital Required for Capital Adequacy to Average Assets		4.00%
Statutory Accounting Practices, Statutory Amount Available for Dividend Payments		$ 5,162
Scenario, Forecast [Member]
Capital Conservation Buffer	2.50%

Note P - Regulatory Matters - C

Note P - Regulatory Matters - Capital Requirements (Details) - USD ($) $ in Thousands	Dec. 31, 2017		Dec. 31, 2016	Dec. 31, 2014
Total capital	$ 118,456		$ 113,515
Total capital to risk weighted assets	16.60%		16.40%
Total capital for capital adequacy	8.00%
Common equity tier 1	$ 102,457		$ 97,316
Common equity tier 1 capital to risk weighted assets	14.30%		14.00%
Common equity tier 1 capital for capital adequacy	4.50%
Tier 1 capital	$ 110,957		$ 105,816
Tier 1 capital to risk weighted assets	15.50%		15.30%
Teir 1 capital for capital adequacy	6.00%			4.00%
Tier 1 capital average	$ 110,957		$ 105,816
Tier 1 capital average to risk weighted assets	11.00%		11.20%
Teir 1 capital average for capital adequacy	4.00%
Bank [Member]
Total capital	$ 107,929		$ 104,317
Total capital to risk weighted assets	15.30%		15.30%
Total capital for capital adequacy	8.00%		8.00%
Total capital for well capitalized to risk weighted assets	10.00%	[1]	10.00%
Common equity tier 1	$ 100,759		$ 96,946
Common equity tier 1 capital to risk weighted assets	14.30%		14.20%
Common equity tier 1 capital for capital adequacy	4.50%		4.50%
Common equity Tier 1 capital for well capitalized to risk weighted assets	6.50%	[1]	6.50%
Tier 1 capital	$ 100,759		$ 96,946
Tier 1 capital to risk weighted assets	14.30%		14.20%
Teir 1 capital for capital adequacy	6.00%		6.00%
Tier 1 capital for well capitalized to risk weighted assets	8.00%	[1]	8.00%
Tier 1 capital average	$ 100,759		$ 96,946
Tier 1 capital average to risk weighted assets	10.10%		10.40%
Teir 1 capital average for capital adequacy	4.00%		4.00%
Tier 1 capital average for well capitalized to average assets	5.00%	[1]	5.00%
Total capital for capital adequacy to risk weighted assets			$ 68,289
Common equity Tier 1 capital for well capitalized			44,388
Tier 1 capital for well capitalized			54,631
Tier 1 capital average for well capitalized			$ 46,461
[1]	For the Company, these amounts are required to engage in activities permissible only for a bank holding company that meets the financial holding company requirements. For the Bank, these are the amounts required for the Bank to be deemed well capitalized under the prompt corrective action regulations.

Note Q - Parent Company Only 98

Note Q - Parent Company Only Condensed Financial Information - Condensed Statements of Condition (Details) - USD ($) $ in Thousands	Dec. 31, 2017	Dec. 31, 2016	Aug. 05, 2016	Dec. 31, 2015	Dec. 31, 2014
Cash and cash equivalents	$ 74,573	$ 40,166		$ 45,530	$ 30,977
Other assets	7,947	7,894
Total assets	1,026,290	954,640	$ 950,000	796,285
Liabilities
Subordinated debentures	8,500	8,500
Total liabilities	916,929	850,112
Shareholders’ Equity
Total shareholders’ equity	109,361	104,528		90,470	86,216
Total liabilities and shareholders’ equity	1,026,290	954,640
Parent Company [Member]
Cash and cash equivalents	3,292	2,747		$ 2,233	$ 2,875
Investment in subsidiaries	118,775	115,057
Notes receivable – subsidiaries	3,320	3,420
Other assets	67	52
Total assets	125,454	121,276
Liabilities
Notes payable	7,324	7,882
Subordinated debentures	8,500	8,500
Other liabilities	269	366
Total liabilities	16,093	16,748
Shareholders’ Equity
Total shareholders’ equity	109,361	104,528
Total liabilities and shareholders’ equity	$ 125,454	$ 121,276

Note Q - Parent Company Only 99

Note Q - Parent Company Only Condensed Financial Information - Condensed Statements of Income (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Expenses:
Interest on subordinated debentures													$ 248	$ 204	$ 170
Income before income taxes and equity in undistributed earnings of subsidiaries													11,995	8,840	11,383
Income tax benefit													4,486	1,920	2,809
Net income	$ 898	$ 1,653	$ 1,741	$ 3,217	$ 2,024	$ 358	$ 1,706	$ 2,832	$ 1,898	$ 1,642	$ 1,410	$ 3,624	7,509	6,920	8,574
Comprehensive Income													7,622	5,624	7,919
Parent Company [Member]
Interest on notes													51	52	53
Dividends from subsidiaries													4,400	6,900	3,500
Expenses:
Interest on notes													211	136	53
Interest on subordinated debentures													248	204	170
Operating expenses													332	667	345
Income before income taxes and equity in undistributed earnings of subsidiaries													3,660	5,945	2,985
Income tax benefit													244	256	167
Equity in undistributed earnings of subsidiaries													3,605	719	5,422
Net income													7,509	6,920	8,574
Comprehensive Income													$ 7,622	$ 5,624	$ 7,919

Note Q - Parent Company Only100

Note Q - Parent Company Only Condensed Financial Information - Condensed Statements of Cash Flows (Details) - USD ($) $ in Thousands	3 Months Ended												12 Months Ended
	Dec. 31, 2017	Sep. 30, 2017	Jun. 30, 2017	Mar. 31, 2017	Dec. 31, 2016	Sep. 30, 2016	Jun. 30, 2016	Mar. 31, 2016	Dec. 31, 2015	Sep. 30, 2015	Jun. 30, 2015	Mar. 31, 2015	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Net income	$ 898	$ 1,653	$ 1,741	$ 3,217	$ 2,024	$ 358	$ 1,706	$ 2,832	$ 1,898	$ 1,642	$ 1,410	$ 3,624	$ 7,509	$ 6,920	$ 8,574
Adjustments to reconcile net income to net cash provided by operating activities:
Common stock issued to ESOP													(428)	(575)
Change in other assets													347	1,717	(678)
Net cash provided by operating activities													14,496	13,366	10,398
Cash flows from investing activities:
Net cash provided by (used in) investing activities													(42,180)	(38,434)	(4,938)
Cash flows from financing activities:
Proceeds from common stock through dividend reinvestment													715
Cash dividends paid													(3,932)	(3,585)	(3,665)
Net cash provided by (used in) financing activities													62,091	19,704	9,093
Cash and cash equivalents:
Cash and cash equivalents at beginning of year				40,166				45,530				30,977	40,166	45,530	30,977
Cash and cash equivalents at end of year	74,573				40,166				45,530				74,573	40,166	45,530
Parent Company [Member]
Net income													7,509	6,920	8,574
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed earnings of subsidiaries													(3,605)	(719)	(5,422)
Common stock issued to ESOP													428	575
Change in other assets													(15)	11	(16)
Change in other liabilities													(97)	318	(141)
Net cash provided by operating activities													4,220	7,105	2,995
Cash flows from investing activities:
Cash paid for Milton Bancorp, Inc. acquisition														(7,431)
Change in notes receivable													100	461	(100)
Net cash provided by (used in) investing activities													100	(6,970)	(100)
Cash flows from financing activities:
Change in notes payable													(558)	3,964	128
Proceeds from common stock through dividend reinvestment													715
Cash dividends paid													(3,932)	(3,585)	(3,665)
Net cash provided by (used in) financing activities													(3,775)	379	(3,537)
Cash and cash equivalents:
Change in cash and cash equivalents													545	514	(642)
Cash and cash equivalents at beginning of year				$ 2,747				$ 2,233				$ 2,875	2,747	2,233	2,875
Cash and cash equivalents at end of year	$ 3,292				$ 2,747				$ 2,233				$ 3,292	$ 2,747	$ 2,233

Note R - Segment Information (D

Note R - Segment Information (Details Textual)	12 Months Ended
	Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Customer Concentration Risk [Member] | Sales Revenue, Goods, Net [Member] | Banking [Member]
Concentration Risk, Percentage	92.70%	91.60%	90.90%

Note R - Segment Information -

Note R - Segment Information - Segment Reporting (Details) - USD ($) $ in Thousands	3 Months Ended																								12 Months Ended
	Dec. 31, 2017		Sep. 30, 2017		Jun. 30, 2017		Mar. 31, 2017		Dec. 31, 2016		Sep. 30, 2016		Jun. 30, 2016		Mar. 31, 2016		Dec. 31, 2015		Sep. 30, 2015		Jun. 30, 2015		Mar. 31, 2015		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015	Aug. 05, 2016
Net interest income	$ 10,529		$ 10,268		$ 10,071		$ 10,865		$ 10,035		$ 8,985		$ 8,206		$ 9,100		$ 8,131		$ 8,285		$ 8,149		$ 8,930		$ 41,733	$ 36,326	$ 33,495
Provision expense	643	[1]	1,601	[1]	175	[1]	145	[1]	498	[2]	1,708	[2]	141	[2]	479	[2]	380	[3]	(11)	[3]	799	[3]	(78)	[3]	2,564	2,826	1,090
Noninterest income	1,928	[4]	2,282	[4]	2,112	[4]	3,113	[4]	1,450	[4]	1,693	[4]	1,861	[4]	3,235	[4]	1,607	[4]	1,584	[4]	1,917	[4]	3,489	[4]	9,435	8,239	8,597
Noninterest expense	8,136		9,222		9,876		9,375		8,329		8,828		7,773		7,969		6,911		7,727		7,554		7,427		36,609	32,899	29,619
Tax expense																									4,486	1,920	2,809
Net income	898		$ 1,653		$ 1,741		$ 3,217		2,024		$ 358		$ 1,706		$ 2,832		1,898		$ 1,642		$ 1,410		$ 3,624		7,509	6,920	8,574
Assets	1,026,290								954,640								796,285								1,026,290	954,640	796,285	$ 950,000
Banking [Member]
Net interest income																									38,366	33,019	30,175
Provision expense																									2,415	2,665	1,055
Noninterest income																									8,834	7,589	7,880
Noninterest expense																									34,079	30,257	26,983
Tax expense																									3,973	1,530	2,347
Net income																									6,733	6,156	7,670
Assets	1,013,386								941,907								782,715								1,013,386	941,907	782,715
Consumer Finance [Member]
Net interest income																									3,367	3,307	3,320
Provision expense																									149	161	35
Noninterest income																									601	650	717
Noninterest expense																									2,530	2,642	2,636
Tax expense																									513	390	462
Net income																									776	764	904
Assets	$ 12,904								$ 12,733								$ 13,570								$ 12,904	$ 12,733	$ 13,570
[1]	During the third quarter of 2017, the Company experienced higher provision expense that was primarily related to general increases in specific allocations and increases in charge-offs within the commercial and residential real estate portfolios.
[2]	During the third quarter of 2016, the Company experienced higher provision expense that was primarily related to an increase in specific allocations impacted by the decline in collateral values of two impaired commercial real estate loan relationships. A re-appraisal of the commercial properties securing the loans identified further collateral depreciation, which resulted in a $2,435 increase to the specific allocations related to the loans.
[3]	During the first and third quarters of 2015, the Company experienced negative provision expense as a result of lower general allocations of the allowance for loan losses. General allocations were impacted by improved economic trends that include: decreasing historical loan loss factor, lower delinquencies and lower classified/criticized assets.
[4]	The Company's noninterest income was significantly impacted by seasonal tax refund processing fees. The Bank serves as a facilitator for the clearing of tax refunds for a single tax refund product provider. The Bank processes electronic refund checks/deposits associated with taxpayer refunds, and will, in turn, receive a fee paid by the third-party tax refund product provider for each transaction processed. Due to the seasonal nature of tax refund transactions, the majority of income was recorded during the first quarter.

Note S - Consolidated Quarte103

Note S - Consolidated Quarterly Financial Information (Unaudited) (Details Textual) $ in Thousands	3 Months Ended
	Sep. 30, 2016USD ($)
Allowance for Loan and Lease Losses, Adjustments, Other	$ 2,435

Note S - Consolidated Quarte104

Note S - Consolidated Quarterly Financial Information (Unaudited) - Consolidated Quarterly Financial Information (Unaudited) (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended																								12 Months Ended
	Dec. 31, 2017		Sep. 30, 2017		Jun. 30, 2017		Mar. 31, 2017		Dec. 31, 2016		Sep. 30, 2016		Jun. 30, 2016		Mar. 31, 2016		Dec. 31, 2015		Sep. 30, 2015		Jun. 30, 2015		Mar. 31, 2015		Dec. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Total interest income	$ 11,664		$ 11,317		$ 10,989		$ 11,738		$ 10,841		$ 9,824		$ 8,913		$ 9,770		$ 8,825		$ 9,016		$ 8,866		$ 9,627		$ 45,708	$ 39,348	$ 36,334
Total interest expense	1,135		1,049		918		873		806		839		707		670		694		731		717		697		3,975	3,022	2,839
Net interest income	10,529		10,268		10,071		10,865		10,035		8,985		8,206		9,100		8,131		8,285		8,149		8,930		41,733	36,326	33,495
Provision for loan losses	643	[1]	1,601	[1]	175	[1]	145	[1]	498	[2]	1,708	[2]	141	[2]	479	[2]	380	[3]	(11)	[3]	799	[3]	(78)	[3]	2,564	2,826	1,090
Noninterest income (3)	1,928	[4]	2,282	[4]	2,112	[4]	3,113	[4]	1,450	[4]	1,693	[4]	1,861	[4]	3,235	[4]	1,607	[4]	1,584	[4]	1,917	[4]	3,489	[4]	9,435	8,239	8,597
Noninterest expense	8,136		9,222		9,876		9,375		8,329		8,828		7,773		7,969		6,911		7,727		7,554		7,427		36,609	32,899	29,619
Net income	$ 898		$ 1,653		$ 1,741		$ 3,217		$ 2,024		$ 358		$ 1,706		$ 2,832		$ 1,898		$ 1,642		$ 1,410		$ 3,624		$ 7,509	$ 6,920	$ 8,574
Earnings per share (in dollars per share)	$ 0.19		$ 0.35		$ 0.37		$ 0.69		$ 0.43		$ 0.08		$ 0.41		$ 0.69		$ 0.46		$ 0.40		$ 0.34		$ 0.88		$ 1.60	$ 1.59	$ 2.08
[1]	During the third quarter of 2017, the Company experienced higher provision expense that was primarily related to general increases in specific allocations and increases in charge-offs within the commercial and residential real estate portfolios.
[2]	During the third quarter of 2016, the Company experienced higher provision expense that was primarily related to an increase in specific allocations impacted by the decline in collateral values of two impaired commercial real estate loan relationships. A re-appraisal of the commercial properties securing the loans identified further collateral depreciation, which resulted in a $2,435 increase to the specific allocations related to the loans.
[3]	During the first and third quarters of 2015, the Company experienced negative provision expense as a result of lower general allocations of the allowance for loan losses. General allocations were impacted by improved economic trends that include: decreasing historical loan loss factor, lower delinquencies and lower classified/criticized assets.
[4]	The Company's noninterest income was significantly impacted by seasonal tax refund processing fees. The Bank serves as a facilitator for the clearing of tax refunds for a single tax refund product provider. The Bank processes electronic refund checks/deposits associated with taxpayer refunds, and will, in turn, receive a fee paid by the third-party tax refund product provider for each transaction processed. Due to the seasonal nature of tax refund transactions, the majority of income was recorded during the first quarter.