Ohio Valley Banc (OVBC) 10-K 16 Mar 20 2019 FY Annual report Financial data

Document And Entity Information

Document And Entity Information - USD ($)	12 Months Ended
	Dec. 31, 2019	Feb. 28, 2020	Jun. 30, 2019
Document Information [Line Items]
Entity Registrant Name	OHIO VALLEY BANC CORP
Entity Central Index Key	0000894671
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 Emerging Growth Company	false
Entity Small Business	true
Entity Interactive Data Current	Yes
Entity Common Stock, Shares Outstanding (in shares)		4,787,446
Entity Public Float			$ 158,861,113
Entity Shell Company	false
Document Type	10-K
Document Period End Date	Dec. 31, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Amendment Flag	false
Title of 12(b) Security	Common Shares, Without Par Value

Consolidated Statements of Cond

Consolidated Statements of Condition - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Assets
Cash and noninterest-bearing deposits with banks	$ 12,812	$ 13,806
Interest-bearing deposits with banks	39,544	57,374
Total cash and cash equivalents	52,356	71,180
Certificates of deposit in financial institutions	2,360	2,065
Securities available for sale	105,318	102,164
Securities held to maturity (estimated fair value: 2019 - $12,404; 2018 - $16,234)	12,033	15,816
Restricted investments in bank stocks	7,506	7,506
Total loans	772,774	777,052
Less: Allowance for loan losses	(6,272)	(6,728)
Net loans	766,502	770,324
Premises and equipment, net	19,217	14,855
Premises and equipment held for sale, net	653
Other real estate owned, net	540	430
Accrued interest receivable	2,564	2,638
Goodwill	7,319	7,371
Other intangible assets, net	174	379
Bank owned life insurance and annuity assets	30,596	29,392
Operating lease right-of-use asset, net	1,053
Other assets	5,081	6,373
Total assets	1,013,272	1,030,493
Liabilities
Noninterest-bearing deposits	222,607	237,821
Interest-bearing deposits	598,864	608,883
Total deposits	821,471	846,704
Other borrowed funds	33,991	39,713
Subordinated debentures	8,500	8,500
Operating lease liability	1,053
Accrued liabilities	20,078	17,702
Total liabilities	885,093	912,619
Commitments and Contingent Liabilities (See Note L)
Shareholders’ Equity
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 2019 – 5,447,185 shares issued; 2018 - 5,400,065 shares issued)	5,447	5,400
Additional paid-in capital	51,165	49,477
Retained earnings	86,751	80,844
Accumulated other comprehensive income (loss)	528	(2,135)
Treasury stock, at cost (659,739 shares)	(15,712)	(15,712)
Total shareholders’ equity	128,179	117,874
Total liabilities and shareholders’ equity	$ 1,013,272	$ 1,030,493

Consolidated Statements of Co_2

Consolidated Statements of Condition (Parentheticals) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Securities held to maturity, fair value	$ 12,404	$ 16,234
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)	5,447,185	5,400,065
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, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest and dividend income:
Loans, including fees	$ 45,766	$ 44,365	$ 42,182
Securities:
Taxable	2,542	2,377	2,116
Tax exempt	344	369	411
Dividends	393	440	392
Interest-bearing deposits with banks	1,221	1,608	582
Other interest	51	38	25
	50,317	49,197	45,708
Interest expense:
Deposits	6,026	4,155	2,843
Other borrowed funds	883	986	884
Subordinated debentures	356	330	248
	7,265	5,471	3,975
Net interest income	43,052	43,726	41,733
Provision for loan losses	1,000	1,039	2,564
Net interest income after provision for loan losses	42,052	42,687	39,169
Noninterest income:
Income from bank owned life insurance and annuity assets	704	717	1,226
Electronic refund check / deposit fees	5	1,579	1,692
Debit / credit card interchange income	3,905	3,662	3,376
Loss on other real estate owned	(65)	(559)	(189)
Net gain on branch divestitures	1,256
Other	669	850	688
	9,166	8,938	9,435
Noninterest expense:
Salaries and employee benefits	23,524	22,191	20,809
Occupancy	1,771	1,754	1,770
Furniture and equipment	1,060	1,023	1,049
Professional fees	2,508	2,016	1,792
Marketing expense	841	777	1,034
FDIC insurance	113	447	465
Data processing	1,996	2,115	2,081
Software	1,705	1,533	1,486
Foreclosed assets	266	238	499
Amortization of intangibles	206	135	156
Other	5,508	5,197	5,468
	39,498	37,426	36,609
Income before income taxes	11,720	14,199	11,995
Provision for income taxes	1,813	2,255	4,486
NET INCOME	$ 9,907	$ 11,944	$ 7,509
Earnings per share (in dollars per share)	$ 2.08	$ 2.53	$ 1.60
Deposit Account [Member]
Noninterest income:
Revenue from Contract with Customer	$ 2,118	$ 2,084	$ 2,137
Fiduciary and Trust [Member]
Noninterest income:
Revenue from Contract with Customer	264	263	240
Mortgage Banking [Member]
Noninterest income:
Revenue from Contract with Customer	$ 310	$ 342	$ 265

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Net income	$ 9,907	$ 11,944	$ 7,509
Other comprehensive income (loss):
Change in unrealized gain (loss) on available for sale securities	3,371	(1,373)	171
Related tax (expense) benefit	(708)	289	(58)
Total other comprehensive income (loss), net of tax	2,663	(1,084)	113
Total comprehensive income	$ 12,570	$ 10,860	$ 7,622

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Treasury Stock [Member]	Total
Balances 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
Common stock issued to ESOP	15	413				428
Common stock issued through dividend reinvestment	21	694				715
Cash dividends			(3,932)			(3,932)
Balances at Dec. 31, 2017	5,362	47,895	72,694	(878)	(15,712)	109,361
Net income			11,944			11,944
Other comprehensive income (loss), net				(1,084)		(1,084)
Common stock issued to ESOP	7	288				295
Common stock issued through dividend reinvestment	31	1,294				1,325
Cash dividends			(3,967)			(3,967)
Balances at Dec. 31, 2018	5,400	49,477	80,844	(2,135)	(15,712)	117,874
Amount reclassified out of accumulated other comprehensive income (loss) per ASU 2018-02			173	(173)
Net income			9,907			9,907
Other comprehensive income (loss), net				2,663		2,663
Common stock issued to ESOP	8	320				328
Common stock issued through dividend reinvestment	39	1,368				1,407
Cash dividends			(4,000)			(4,000)
Balances at Dec. 31, 2019	$ 5,447	$ 51,165	$ 86,751	$ 528	$ (15,712)	$ 128,179

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Parentheticals) - $ / shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Common stock issued to ESOP, shares (in shares)	8,333	7,294	15,118
Common stock issued through dividend reinvestment, shares (in shares)	38,787	30,766	21,383
Cash dividends, per share (in dollars per share)	$ 0.84	$ 0.84	$ 0.84

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash flows from operating activities:
Net income	$ 9,907	$ 11,944	$ 7,509
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation of premises and equipment	1,183	1,141	1,277
Net (accretion) of purchase accounting adjustments	(494)	(188)	(526)
Net amortization of securities	173	260	378
Proceeds from sale of loans in secondary market	9,840	11,034	7,857
Loans disbursed for sale in secondary market	(9,530)	(10,692)	(7,592)
Amortization of mortgage servicing rights	68	55	71
Gain on sale of loans	(378)	(397)	(336)
Amortization of intangible assets	206	135	156
Deferred tax (benefit) expense	367	(134)	1,907
Provision for loan losses	1,000	1,039	2,564
Common stock issued to ESOP	328	295	428
Earnings on bank owned life insurance and annuity assets	(704)	(717)	(1,226)
Loss on sale of other real estate owned	57	21	134
Net write-down of other real estate owned	8	538	55
Net gain on branch divestitures	(1,256)
Change in accrued interest receivable	74	(135)	(188)
Change in accrued liabilities	2,376	1,946	1,681
Change in other assets	1,528	1,996	347
Net cash provided by operating activities	14,753	18,141	14,496
Cash flows from investing activities:
Proceeds from maturities and paydowns of securities available for sale	20,199	21,139	20,389
Purchases of securities available for sale	(20,126)	(23,757)	(25,177)
Proceeds from calls and maturities of securities held to maturity	3,754	1,711	1,419
Purchases of securities held to maturity			(389)
Proceeds from maturities of certificates of deposit in financial institutions			245
Purchases of certificates of deposit in financial institutions	(295)	(245)	(395)
Net change in loans	2,323	(9,981)	(37,918)
Proceeds from sale of other real estate owned	392	1,132	1,466
Purchases of premises and equipment	(6,232)	(2,725)	(1,727)
Disposals of premises and equipment	402
Proceeds from bank owned life insurance and annuity assets			2,107
Purchases of bank owned life insurance and annuity assets	(500)		(2,200)
Net cash (used in) investing activities	(83)	(12,726)	(42,180)
Cash flows from financing activities:
Change in deposits	(25,179)	(9,930)	66,444
Proceeds from common stock through dividend reinvestment	1,407	1,325	715
Cash dividends	(4,000)	(3,967)	(3,932)
Proceeds from Federal Home Loan Bank borrowings		8,000	4,785
Repayment of Federal Home Loan Bank borrowings	(3,676)	(3,162)	(5,318)
Change in other long-term borrowings	(2,046)	(989)	(459)
Change in other short-term borrowings		(85)	(144)
Net cash provided by (used in) by financing activities	(33,494)	(8,808)	62,091
Cash and cash equivalents:
Change in cash and cash equivalents	(18,824)	(3,393)	34,407
Cash and cash equivalents at beginning of year	71,180	74,573	40,166
Cash and cash equivalents at end of year	52,356	71,180	74,573
Supplemental disclosure:
Cash paid for interest	6,931	5,008	3,724
Cash paid for income taxes	890	2,050	2,236
Proceeds from bank owned life insurance and annuity assets not settled			1,993
Transfers from loans to other real estate owned	570	547	1,337
Other real estate owned sales financed by The Ohio Valley Bank Company			237
Initial recognition of operating lease right-of-use asset	1,280
Operating lease liability arising from obtaining right-of-use asset	$ 1,280

Note A - Summary of Significant

Note A - Summary of Significant Accounting Policies	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Significant Accounting Policies [Text Block]	Note A - Summary of Significant Accounting Policies Description of Business: 1956. one one The Company provides a full range of commercial and retail banking services from 22 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: Industry Segment Information: two Use of Estimates: Cash and Cash Equivalents: 90 one Certificates of deposit in financial institutions: 90 September 19, 2022. Securities: 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 not not not Restricted Investments in Bank Stocks : may not Loans: 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 90 All interest accrued but not The Bank also originates long-term, fixed-rate mortgage loans, with full intention of being sold to the secondary market. These loans are considered held for sale during the period of time after the principal has been advanced to the borrower by the Bank, but before the Bank has been reimbursed by the Federal Home Loan Mortgage Corporation, typically within a few business days. Loans sold to the secondary market are carried at the lower of aggregate cost or fair value. As of December 31, 2019, no $108 December 31, 2018. Allowance for Loan Losses: 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 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 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, 2019, no Concentrations of Credit Risk: The following represents the composition of the Company’s loan portfolio as of December 31: % of Total Loans 2019 2018 Residential real estate loans 40.15 % 39.13 % Commercial real estate loans 28.75 % 27.84 % Consumer loans 18.16 % 18.46 % Commercial and industrial loans 12.94 % 14.57 % 100.00 % 100.00 % Approximately 5.00% December 31, 2019, 5.02% December 31, 2018. 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, 2019, $38,095 Premises and Equipment: 3 8 7 39 Foreclosed assets: $540 $430 December 31, 2019 2018. Goodwill: not December 31 not no Long-term Assets: may not Mortgage Servicing Rights: no may December 31, 2019 2018, $357 $368, Earnings Per Share: 4,767,279 2019; 4,725,971 2018; 4,685,067 2017. no no Income Taxes: December 22, 2017, 34% 21% January 1, 2018. 21% fourth 2017. A tax position is recognized as a benefit only if it is “more likely than not” 50% not not” no Comprehensive Income: Loss Contingencies: not Bank Owned Life Insurance and Annuity Assets Employee Stock Ownership Plan: Dividend Reinvestment Plan: Loan Commitments and Related Financial Instruments: Dividend Restrictions: may Restrictions on Cash : third $38,794 $60,167 2019 2018. third not Derivatives: 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, 2019 2018, Fair Value of Financial Instruments: Revenue Recognition: No. 2014 09, 606 five not 606. 606 not 606 606 606, ● Service charges on deposit accounts ● Trust fees ● Electronic refund check/deposit fees third ● Debit/credit card interchange income ● Gain (loss) on other real estate owned All of the Company’s revenue from contracts with customers within the scope of ASC 606 no Reclassifications: 2018 2017 2019. no Adoption of New Accounting Standard Updates (“ASU”) : January 1, 2019, 2016 02, 2016 02, January 1, 2019. January 1, 2019 not not 2019 not 2018. As permitted by ASU 2016 02, not 1 2 3 January 1, 2019 not January 1, 2019, 1 2 3 The adoption of ASU 2016 02 no 12 $1,280 Beginning January 1, 2019, No. 2017 08, not not Accounting Guidance to be Adopted in Future Periods: June 2016, No. 2016 13, 2016 13 one first October 16, 2019, December 15, 2022.

Note B - Securities

Note B - Securities	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note B - Securities The following table summarizes the amortized cost and fair value of securities available for sale and securities held to maturity at December 31, 2019 2018 Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value Securities Available for Sale December 31, 2019 U.S. Government sponsored entity securities $ 16,579 $ 163 $ (6 ) $ 16,736 Agency mortgage-backed securities, residential 88,071 807 (296 ) 88,582 Total securities $ 104,650 $ 970 $ (302 ) $ 105,318 December 31, 201 8 U.S. Government sponsored entity securities $ 16,837 $ 8 $ (215 ) $ 16,630 Agency mortgage-backed securities, residential 88,030 92 (2,588 ) 85,534 Total securities $ 104,867 $ 100 $ (2,803 ) $ 102,164 Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Estimated Fair Value Securities Held to Maturity December 31, 2019 Obligations of states and political subdivisions $ 12,031 $ 372 $ (1 ) $ 12,402 Agency mortgage-backed securities, residential 2 ---- ---- 2 Total securities $ 12,033 $ 372 $ (1 ) $ 12,404 December 31, 201 8 Obligations of states and political subdivisions $ 15,813 $ 502 $ (84 ) $ 16,231 Agency mortgage-backed securities, residential 3 ---- ---- 3 Total securities $ 15,816 $ 502 $ (84 ) $ 16,234 At year-end 2019 2018, no one 10% There were no 2019, 2018 2017. Securities with a carrying value of approximately $78,418 December 31, 2019 $79,443 December 31, 2018 Unrealized losses on the Company’s debt securities have not December 31, 2019, not not not December 31, 2019 2018 The amortized cost and estimated fair value of debt securities at December 31, 2019, 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 $ 3,399 $ 3,413 $ 641 $ 644 Due in one to five years 13,180 13,323 6,652 6,813 Due in five to ten years ---- ---- 4,738 4,945 Due after ten years ---- ---- ---- ---- Agency mortgage-backed securities, residential 88,071 88,582 2 2 Total debt securities $ 104,650 $ 105,318 $ 12,033 $ 12,404 The following table summarizes securities with unrealized losses at December 31, 2019 December 31, 2018, December 31, 201 9 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 $ ---- $ ---- $ 1,999 $ (6 ) $ 1,999 $ (6 ) Agency mortgage-backed securities, residential 15,041 (84 ) 21,344 (212 ) 36,385 (296 ) Total available for sale $ 15,041 $ (84 ) $ 23,343 $ (218 ) $ 38,384 $ (302 ) 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 $ 204 $ (1 ) $ ---- $ ---- $ 204 $ (1 ) Total held to maturity $ 204 $ (1 ) $ ---- $ ---- $ 204 $ (1 ) December 31, 201 8 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 $ 1,981 $ (1 ) $ 8,679 $ (214 ) $ 10,660 $ (215 ) Agency mortgage-backed securities, residential 8,564 (43 ) 62,619 (2,545 ) 71,183 (2,588 ) Total available for sale $ 10,545 $ (44 ) $ 71,298 $ (2,759 ) $ 81,843 $ (2,803 ) 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 $ 484 $ (3 ) $ 1,312 $ (81 ) $ 1,796 $ (84 ) Total held to maturity $ 484 $ (3 ) $ 1,312 $ (81 ) $ 1,796 $ (84 )

Note C - Loans and Allowance fo

Note C - Loans and Allowance for Loan Losses	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	Note C - Loans and Allowance for Loan Losses Loans are comprised of the following at December 31: 2019 2018 Residential real estate $ 310,253 $ 304,079 Commercial real estate: Owner-occupied 55,825 61,694 Nonowner-occupied 131,398 117,188 Construction 34,913 37,478 Commercial and industrial 100,023 113,243 Consumer: Automobile 63,770 70,226 Home equity 22,882 22,512 Other 53,710 50,632 772,774 777,052 Less: Allowance for loan losses (6,272 ) (6,728 ) Loans, net $ 766,502 $ 770,324 The following table presents the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2019, 2018 2017: December 31, 2019 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,583 $ 2,186 $ 1,063 $ 1,896 $ 6,728 Provision for loan losses 98 (1,745 ) 1,807 840 1,000 Loans charged off (1,060 ) (602 ) (1,513 ) (1,917 ) (5,092 ) Recoveries 629 2,089 90 828 3,636 Total ending allowance balance $ 1,250 $ 1,928 $ 1,447 $ 1,647 $ 6,272 December 31, 2018 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,470 $ 2,978 $ 1,024 $ 2,027 $ 7,499 Provision for loan losses 772 (1,311 ) (80 ) 1,658 1,039 Loans charged off (874 ) (4 ) (208 ) (2,514 ) (3,600 ) Recoveries 215 523 327 725 1,790 Total ending allowance balance $ 1,583 $ 2,186 $ 1,063 $ 1,896 $ 6,728 December 31, 2017 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 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, 2019 2018: December 31, 2019 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ 385 $ 303 $ 119 $ 807 Collectively evaluated for impairment 1,250 1,543 1,144 1,528 5,465 Total ending allowance balance $ 1,250 $ 1,928 $ 1,447 $ 1,647 $ 6,272 Loans: Loans individually evaluated for impairment $ 438 $ 11,300 $ 4,910 $ 487 $ 17,135 Loans collectively evaluated for impairment 309,815 210,836 95,113 139,875 755,639 Total ending loans balance $ 310,253 $ 222,136 $ 100,023 $ 140,362 $ 772,774 December 31, 2018 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ 98 $ ---- $ ---- $ 98 Collectively evaluated for impairment 1,583 2,088 1,063 1,896 6,630 Total ending allowance balance $ 1,583 $ 2,186 $ 1,063 $ 1,896 $ 6,728 Loans: Loans individually evaluated for impairment $ 1,667 $ 3,835 $ 7,116 $ ---- $ 12,618 Loans collectively evaluated for impairment 302,412 212,525 106,127 143,370 764,434 Total ending loans balance $ 304,079 $ 216,360 $ 113,243 $ 143,370 $ 777,052 The following table presents information related to loans individually evaluated for impairment by class of loans as of the years ended December 31, 2019, 2018 2017: December 31, 2019 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 $ 2,030 $ 2,030 $ 385 $ 1,375 $ 197 $ 197 Commercial and industrial 4,861 4,861 303 4,796 319 319 Consumer: Automobile 8 8 8 2 ---- ---- Other 111 111 111 22 9 9 With no related allowance recorded: Residential real estate 438 438 ---- 453 23 23 Commercial real estate: Owner-occupied 1,778 1,778 ---- 1,902 113 113 Nonowner-occupied 7,492 7,492 ---- 6,160 477 477 Construction 319 ---- ---- ---- 20 20 Commercial and industrial 49 49 ---- 300 111 111 Consumer: Home equity 368 368 ---- 143 19 19 Total $ 17,454 $ 17,135 $ 807 $ 15,153 $ 1,288 $ 1,288 December 31, 2018 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 $ 362 $ 362 $ 98 $ 367 $ 15 $ 15 With no related allowance recorded: Residential real estate 1,667 1,667 ---- 511 101 101 Commercial real estate: Owner-occupied 2,527 2,527 ---- 2,475 141 141 Nonowner-occupied 2,368 946 ---- 1,912 57 57 Construction 336 ---- ---- ---- 20 20 Commercial and industrial 7,116 7,116 ---- 5,802 414 414 Total $ 14,376 $ 12,618 $ 98 $ 11,067 $ 748 $ 748 December 31, 2017 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 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, 2019 December 31, 2018, $68 $134, $1,780 $2,375 December 31, 2019 December 31, 2018, The following table presents the recorded investment of nonaccrual loans and loans past due 90 December 31, 2019 2018: Loans Past Due 90 Days And Still Accruing Nonaccrual December 31, 2019 Residential real estate $ 255 $ 6,119 Commercial real estate: Owner-occupied ---- 863 Nonowner-occupied ---- 804 Construction ---- 229 Commercial and industrial ---- 590 Consumer: Automobile 239 61 Home equity ---- 392 Other 395 91 Total $ 889 $ 9,149 Loans Past Due 90 Days And Still Accruing Nonaccrual December 31, 2018 Residential real estate $ 19 $ 6,661 Commercial real estate: Owner-occupied ---- 470 Nonowner-occupied 362 574 Construction 66 416 Commercial and industrial 31 228 Consumer: Automobile 270 59 Home equity 91 183 Other 228 86 Total $ 1,067 $ 8,677 The following table presents the aging of the recorded investment of past due loans by class of loans as of December 31, 2019 2018: December 31, 2019 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 $ 4,015 $ 1,314 $ 1,782 $ 7,111 $ 303,142 $ 310,253 Commercial real estate: Owner-occupied 383 59 144 586 55,239 55,825 Nonowner-occupied 12 ---- 697 709 130,689 131,398 Construction 186 19 49 254 34,659 34,913 Commercial and industrial 1,320 312 241 1,873 98,150 100,023 Consumer: Automobile 986 329 246 1,561 62,209 63,770 Home equity 106 18 279 403 22,479 22,882 Other 559 139 443 1,141 52,569 53,710 Total $ 7,567 $ 2,190 $ 3,881 $ 13,638 $ 759,136 $ 772,774 December 31, 2018 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 $ 3,369 $ 1,183 $ 1,642 $ 6,194 $ 297,885 $ 304,079 Commercial real estate: Owner-occupied 298 ---- 129 427 61,267 61,694 Nonowner-occupied 299 ---- 747 1,046 116,142 117,188 Construction 31 ---- 265 296 37,182 37,478 Commercial and industrial 428 192 110 730 112,513 113,243 Consumer: Automobile 1,287 286 289 1,862 68,364 70,226 Home equity 171 92 260 523 21,989 22,512 Other 593 291 228 1,112 49,520 50,632 Total $ 6,476 $ 2,044 $ 3,670 $ 12,190 $ 764,862 $ 777,052 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 TDRs 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 TDRs 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, 2019 December 31, 2018: TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs December 31, 2019 Residential real estate: Interest only payments $ 209 $ ---- $ 209 Commercial real estate: Owner-occupied Interest only payments 882 ---- 882 Reduction of principal and interest payments 1,521 ---- 1,521 Maturity extension at lower stated rate than market rate 393 ---- 393 Credit extension at lower stated rate than market rate 393 ---- 393 Nonowner-occupied Credit extension at lower stated rate than market rate 395 ---- 395 Commercial and industrial Interest only payments 4,574 ---- 4,574 Reduction of principal and interest payments 185 ---- 185 Total TDRs $ 8,552 $ ---- $ 8,552 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs December 31, 2018 Residential real estate: Interest only payments $ 216 $ ---- $ 216 Commercial real estate: Owner-occupied Interest only payments 968 ---- 968 Reduction of principal and interest payments 529 ---- 529 Maturity extension at lower stated rate than market rate 469 ---- 469 Credit extension at lower stated rate than market rate 402 402 Nonowner-occupied Interest only payments ---- 385 385 Rate reduction ---- 362 362 Credit extension at lower stated rate than market rate 561 ---- 561 Commercial and industrial Interest only payments 4,742 ---- 4,742 Total TDRs $ 7,887 $ 747 $ 8,634 At December 31, 2019, $82, 1.0%, 2018. $227 December 31, 2018, $98 December 31, 2018. December 31, 2019, $941 $758 December 31, 2018. There were no December 31, 2018. December 31, 2019 2017: TDRs Performing to Modified Terms TDRs 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, 2019 Commercial real estate: Owner-occupied Reduction of principal and interest payments 1 $ 1,036 $ 1,036 $ ---- $ ---- Commercial and industrial: Reduction of principal and interest payments 1 199 199 ---- ---- Total TDRs 2 $ 1,235 $ 1,235 $ ---- $ ---- The TDRs described above increased the provision expense and the allowance for loan losses by $185 December 31, 2019, no TDRs Performing to Modified Terms TDRs 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, 2017 Commercial real estate: Owner-occupied Interest only payments 1 $ 997 $ 997 $ ---- $ ---- Credit extension at lower stated rate than market rate 1 412 412 ---- ---- Total TDRs 2 $ 1,409 $ 1,409 $ ---- $ ---- The TDRs described above had no no December 31, 2017. The Company had no December 31, 2019 December 31, 2017 twelve twelve December 31, 2018, $362 90 $362 no December 31, 2018 twelve 90 The terms of certain other loans were modified during the years ended December 31, 2019 2018 not $50,586 December 31, 2019 $28,738 December 31, 2018. not 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. $750. The Company uses the following definitions for its criticized Special Mention. not not may no no one The Company uses the following definitions for its classified Substandard. 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, 2019 December 31, 2018, December 31, 2019 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 49,486 $ 2,889 $ 3,450 $ 55,825 Nonowner-occupied 123,847 ---- 7,551 131,398 Construction 34,864 ---- 49 34,913 Commercial and industrial 89,749 298 9,976 100,023 Total $ 297,946 $ 3,187 $ 21,026 $ 322,159 December 31, 2018 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 50,474 $ 7,724 $ 3,496 $ 61,694 Nonowner-occupied 115,170 ---- 2,018 117,188 Construction 37,321 ---- 157 37,478 Commercial and industrial 92,417 6,536 14,290 113,243 Total $ 295,382 $ 14,260 $ 19,961 $ 329,603 The Company also obtains the credit scores of its borrowers upon origination (if available by the credit bureau) but not 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, 2019 December 31, 2018: Consumer December 31, 2019 Automobile Home Equity Other Residential Real Estate Total Performing $ 63,470 $ 22,490 $ 53,224 $ 303,879 $ 443,063 Nonperforming 300 392 486 6,374 7,552 Total $ 63,770 $ 22,882 $ 53,710 $ 310,253 $ 450,615 Consumer December 31, 2018 Automobile Home Equity Other Residential Real Estate Total Performing $ 69,897 $ 22,238 $ 50,318 $ 297,399 $ 439,852 Nonperforming 329 274 314 6,680 7,597 Total $ 70,226 $ 22,512 $ 50,632 $ 304,079 $ 447,449 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 5.00% December 31, 2019, 5.02% December 31, 2018.

Note D - Premises and Equipment

Note D - Premises and Equipment	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Property, Plant and Equipment Disclosure [Text Block]	Note D - Premises and Equipment Following is a summary of premises and equipment at December 31: 2019 2018 Land $ 2,633 $ 2,744 Buildings 20,890 16,154 Leasehold improvements 1,267 1,267 Furniture and equipment 6,847 6,039 31,637 26,204 Less accumulated depreciation 12,420 11,349 Total premises and equipment $ 19,217 $ 14,855 Following is a summary of premises and equipment held for sale at December 31: 2019 2018 Land $ 153 $ ---- Buildings 563 ---- 716 ---- Less accumulated depreciation 63 ---- Total premises and equipment held for sale $ 653 $ ----

Note E - Leases

Note E - Leases	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Lessee, Operating Leases [Text Block]	Note E – Leases The Company enters into leases in the normal course of business primarily for branch buildings and office space to conduct business. The Company’s leases have remaining terms ranging from 4 17.5 15 The Company includes lease extension and termination options in the lease term if, after considering relevant economic factors, it is reasonably certain the Company will exercise the option. In addition, the Company has elected to account for any non-lease components in its real estate leases as part of the associated lease component. The Company has also elected to not 12 Leases are classified as operating or finance leases at the lease commencement date. Lease expense for operating leases and short-term leases is recognized on a straight-line basis over the lease term. ROU assets represent our right to use an underlying asset for the lease term and lease liabilities are recognized at the lease commencement date based on the estimated present value of lease payments over the lease term. At December 31, 2019, not The Company’s operating lease ROU assets and operating lease liabilities are valued based on the present value of future minimum lease payments, discounted with an incremental borrowing rate for the same term as the underlying lease. The Company has one January 1, 2019, $1,280 Balance sheet information related to leases was as follows: December 31, 2019 Operating leases: Operating lease right-of-use assets $ 1,053 Operating lease liabilities $ 1,053 The components of lease cost were as follows: December 31, 2019 Operating lease cost $ 282 Short-term lease expense $ 52 Future undiscounted lease payments for operating leases with initial terms of one December 31, 2019 Operating Leases 2020 $ 180 2021 157 2022 157 2023 116 2024 95 Thereafter 546 Total lease payments 1,251 Less: Imputed Interest (198 ) Total operating leases $ 1,053 Other information was as follows: December 31, 2019 Weighted-average remaining lease term for operating leases (in years) 10.6 Weighted-average discount rate for operating leases 2.76 %

Note F - Goodwill and Intangibl

Note F - Goodwill and Intangible Assets	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Goodwill and Intangible Assets Disclosure [Text Block]	Note F – Goodwill and Intangible Assets Goodwill: 2019 2018 2017 Beginning of year $ 7,371 $ 7,371 $ 7,801 Acquired goodwill ---- ---- ---- Impairment ---- ---- ---- Finalization of Milton branch sale (52 ) ---- ---- Finalization of Milton acquisition accounting ---- ---- (430 ) End of year $ 7,319 $ 7,371 $ 7,371 Impairment exists when a reporting unit’s carrying value of goodwill exceeds its fair value. At December 31, 2019 2018, not not no not one Acquired intangible assets: 2019 2018 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization Amortized intangible assets: Core deposit intangibles $ 738 $ 564 $ 738 $ 359 Aggregate amortization expense was $206 2019, $135 2018 $156 2017. Estimated amortization expense for each of the next five 2020 $ 62 2021 48 2022 35 2023 21 2024 8 Total $ 174

Note G - Deposits

Note G - Deposits	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Deposit Liabilities Disclosures [Text Block]	Note G - Deposits Following is a summary of interest-bearing deposits at December 31: 2019 2018 NOW accounts $ 158,434 $ 155,166 Savings and Money Market 230,672 237,868 Time: In denominations of $250,000 or less 175,334 178,736 In denominations of more than $250,000 34,424 37,113 Total time deposits 209,758 215,849 Total interest-bearing deposits $ 598,864 $ 608,883 Following is a summary of total time deposits by remaining maturity at December 31, 2019: 2020 $ 116,666 2021 58,585 2022 22,833 2023 9,077 2024 1,978 Thereafter 619 Total $ 209,758 Brokered deposits, included in time deposits, were $25,797 $30,838 December 31, 2019 2018,

Note H - Interest Rate Swaps

Note H - Interest Rate Swaps	12 Months Ended
	Dec. 31, 2019
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, 2019, $7,633 $459. $9,219 $101 December 31, 2018. not third $750 December 31, 2019 $350 December 31, 2018.

Note I - Other Borrowed Funds

Note I - Other Borrowed Funds	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Federal Home Loan Bank Advances, Disclosure [Text Block]	Note I - Other Borrowed Funds Other borrowed funds at December 31, 2019 2018 FHLB Borrowings Promissory Notes Totals 2019 $ 29,758 $ 4,233 $ 33,991 2018 $ 33,434 $ 6,279 $ 39,713 Pursuant to collateral agreements with the FHLB, advances are secured by $301,244 $69,683 $5,365 December 31, 2019. $29,758 2042 1.53% 3.31% 2.39% 2.36% December 31, 2019 2018, no December 31, 2019. At December 31, 2019, $80,000 90 $80,000 December 31, 2019. 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 $205,559 December 31, 2019. $205,559, $119,302 $80,000 Promissory notes, issued primarily by Ohio Valley, are due at various dates through a final maturity date of May 17, 2021, 2.00% 4.09% 2.73% December 31, 2019, 2.83% December 31, 2018. December 31, 2019, eight $3,558. $405 December 31, 2019. Letters of credit issued on the Bank’s behalf by the FHLB to collateralize certain public unit deposits as required by law totaled $56,500 December 31, 2019 $51,700 December 31, 2018. Scheduled principal payments over the next five FHLB Borrowings Promissory Notes Totals 2020 $ 3,722 $ 3,600 $ 7,322 2021 3,000 633 3,633 2022 2,841 ---- 2,841 2023 2,705 ---- 2,705 2024 2,301 ---- 2,301 Thereafter 15,189 ---- 15,189 $ 29,758 $ 4,233 $ 33,991

Note J - Subordinated Debenture

Note J - Subordinated Debentures and Trust Preferred Securities	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Subordinated Borrowings Disclosure [Text Block]	Note J - Subordinated Debentures and Trust Preferred Securities On March 22, 2007, $8,500 6.58% five March 15, 2012, 3 1.68%. 3.57% December 31, 2019 4.47% December 31, 2018. 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 not not may 1

Note K - Income Taxes

Note K - Income Taxes	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Income Tax Disclosure [Text Block]	Note K - Income Taxes On December 22, 2017, 21% January 1, 2018. 2017 $1,783. The provision for income taxes consists of the following components: 2019 2018 2017 Current tax expense $ 1,446 $ 2,389 $ 2,579 Deferred tax (benefit) expense 367 (134 ) 1,907 Total income taxes $ 1,813 $ 2,255 $ 4,486 The source of deferred tax assets and deferred tax liabilities at December 31: 2019 2018 Items giving rise to deferred tax assets: Allowance for loan losses $ 1,364 $ 1,463 Unrealized loss on securities available for sale ---- 568 Deferred compensation 1,700 1,580 Deferred loan fees/costs 110 119 Other real estate owned 4 434 Accrued bonus 204 280 Purchase accounting adjustments 24 61 Net operating loss 115 132 Lease liability 274 ---- Other 346 257 Items giving rise to deferred tax liabilities: Mortgage servicing rights (77 ) (80 ) FHLB stock dividends (676 ) (676 ) Unrealized gain on securities available for sale (140 ) ---- Prepaid expenses (182 ) (191 ) Depreciation and amortization (579 ) (656 ) Right-of-use asset (274 ) ---- Other ---- (3 ) Net deferred tax asset $ 2,213 $ 3,288 The Company determined that it was not At December 31, 2019, 382 $550, 2026. The difference between the financial statement tax provision and amounts computed by applying the statutory federal income tax rate of 21% 2019 2018 34% 2017 2019 2018 2017 Statutory tax $ 2,461 $ 2,982 $ 4,078 Effect of nontaxable interest (336 ) (352 ) (514 ) Effect of nontaxable insurance premiums (212 ) (218 ) (303 ) Income from bank owned insurance, net (141 ) (142 ) (230 ) Effect of postretirement benefits 54 20 (78 ) Effect of nontaxable life insurance death proceeds ---- ---- (175 ) Impact from TCJA ---- ---- 1,783 Effect of state income tax 100 33 70 Tax credits (145 ) (217 ) (191 ) Milton Merger Costs ---- ---- 4 Other items 32 149 42 Total income taxes $ 1,813 $ 2,255 $ 4,486 At December 31, 2019 December 31, 2018, no not twelve not The Company is subject to U.S. federal income tax as well as West Virginia state income tax. The Company is no 2016. 2016 2018

Note L - Commitments and Contin

Note L - Commitments and Contingent Liabilities	12 Months Ended
	Dec. 31, 2019
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: 2019 2018 Fixed rate $ 660 $ 121 Variable rate 70,561 66,580 Standby letters of credit 3,957 4,325 At December 31, 2019, 3.375% 6.25% 15 30 Commitments to extend credit are agreements to lend to a customer as long as there is no may third not may During the years covered by these consolidated financial statements, the Company participated as a facilitator of tax refunds pursuant to a clearing agreement with a third third 2018, 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, 2019
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 2019. $120 Total loans at January 1, 2019 $ 3,674 New loans 890 Repayments (391 ) Other changes (199 ) Total loans at December 31, 2019 $ 3,974 Other changes include adjustments for loans applicable to one Deposits from principal officers, directors, and their affiliates at year-end 2019 2018 $47,911 $52,877. $3,558 2019 2018. 1.50% 2.85%, 10 36

Note N - Employee Benefits

Note N - Employee Benefits	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Pension and Other Postretirement Benefits Disclosure [Text Block]	Note N - Employee Benefits The 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 $264, $352, $340 2019, 2018 2017. 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 365,274 360,669 December 31, 2019 2018. Years ended December 31 2019 2018 2017 Number of shares issued 8,333 7,294 15,118 Fair value of stock contributed $ 328 $ 295 $ 428 Cash contributed 500 500 250 Total expense $ 828 $ 795 $ 678 Life insurance contracts with a cash surrender value of $28,481 $2,115 December 31, 2019 $7,815 $7,267 December 31, 2019 2018. three $627, $602, $490. $3,130 December 31, 2019 $2,873 December 31, 2018. During 2017, $2,107 two $1,993 two $3,586 $514 $1,993 not 2017 December 31, 2017. 2018.

Note O - Fair Value of Financia

Note O - Fair Value of Financial Instruments	12 Months Ended
	Dec. 31, 2019
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: Level 2: 1 not Level 3: The following is a description of the Company’s valuation methodologies used to measure and disclose the fair values of its financial assets and liabilities on a recurring or nonrecurring basis: Securities: 1 not 2 not 3 Impaired Loans: may 3 may 3 Other Real Estate Owned: may 3 2 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%. Interest Rate Swap Agreements: 2 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, 2019, 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 ---- $ 16,736 ---- Agency mortgage-backed securities, residential ---- 88,582 ---- Interest rate swap derivatives ---- 465 ---- Interest rate swap derivatives ---- (465 ) ---- Fair Value Measurements at December 31, 2018, 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 ---- $ 16,630 ---- Agency mortgage-backed securities, residential ---- 85,534 ---- Interest rate swap derivatives ---- 101 ---- Interest rate swap derivatives ---- (101 ) ---- There were no 1 2 2019 2018. 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, 2019, Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Commercial real estate: Owner-occupied $ ---- $ ---- $ 1,664 Commercial and Industrial ---- ---- 4,559 Fair Value Measurements at December 31, 2018, 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: $ ---- $ ---- $ 264 Nonowner-occupied Other real estate owned: Commercial real estate: Construction ---- 228 ---- At December 31, 2019, $7,010, $807, $807 December 31, 2019, no December 31, 2018, $362, $98, $4 December 31, 2018, no There was no December 31, 2019. December 31, 2018 $228, $2,217, $1,989 December 31, 2018. $594 2018. The following table presents quantitative information about Level 3 December 31, 2019 December 31, 2018: December 31, 2019 Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) Impaired loans: Commercial real estate: Owner-occupied $ 1,644 Sales approach Adjustment to comparables 0% to 20% 9.7 % Commercial and Industrial 4,559 Sales approach Adjustment to comparables 0% to 61% 10.3 % December 31, 2018 Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) Impaired loans: Commercial real estate: Nonowner-occupied $ 264 Sales approach Adjustment to comparables 6.8 to 66.7% 18.0 % The carrying amounts and estimated fair values of financial instruments at December 31, 2019 December 31, 2018 Fair Value Measurements at December 31, 2019 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 52,356 $ 52,356 $ ---- $ ---- $ 52,356 Certificates of deposit in financial institutions 2,360 ---- 2,360 ---- 2,360 Securities available for sale 105,318 ---- 105,318 ---- 105,318 Securities held to maturity 12,033 ---- 6,446 5,958 12,404 Loans, net 766,502 ---- ---- 771,285 771,285 Interest rate swap derivatives 465 ---- 465 ---- 465 Accrued interest receivable 2,564 ---- 315 2,249 2,564 Financial Liabilities: Deposits 821,471 222,607 599,937 ---- 822,544 Other borrowed funds 33,991 ---- 34,345 ---- 34,345 Subordinated debentures 8,500 ---- 6,275 ---- 6,275 Interest rate swap derivatives 465 ---- 465 ---- 465 Accrued interest payable 1,589 3 1,586 ---- 1,589 Fair Value Measurements at December 31, 2018 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 71,180 $ 71,180 $ ---- $ ---- $ 71,180 Certificates of deposit in financial institutions 2,065 ---- 2,065 ---- 2,065 Securities available for sale 102,164 ---- 102,164 ---- 102,164 Securities held to maturity 15,816 ---- 7,625 8,609 16,234 Loans, net 770,324 ---- ---- 766,784 766,784 Interest rate swap derivatives 101 ---- 101 ---- 101 Accrued interest receivable 2,638 ---- 312 2,326 2,638 Financial Liabilities: Deposits 846,704 237,821 607,593 ---- 845,414 Other borrowed funds 39,713 ---- 37,644 ---- 37,644 Subordinated debentures 8,500 ---- 7,054 ---- 7,054 Interest rate swap derivatives 101 ---- 101 ---- 101 Accrued interest payable 1,255 3 1,252 ---- 1,255 The methods and assumptions, not Loans December 31, 2019 2018 2016 01, 3 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 no

Note P - Regulatory Matters

Note P - Regulatory Matters	12 Months Ended
	Dec. 31, 2019
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. New rules became effective for the Company and the Bank on January 1, 2015, January 1, 2019. 2.5% January 1, 2016 0.625%, January 1 four January 1, 2019 2.5%. 1 Prompt corrective action regulations applicable to insured depository institutions provide five not 2019 2018, not not September 2018, $3 December 31, 2019, not The following table summarizes the capital ratios (excluding the capital conservation buffer) of the Company and the Bank. The minimums for the Company are those that would have been required if the Company was not Actual Minimum Regulatory Minimum To Be Well 201 9 Amount Ratio Capital Ratio Capitalized (1) Total capital (to risk weighted assets) Consolidated $ 134,930 18.7 % 8.0 % 10.0 % Bank 120,716 17.0 8.0 10.0 Common equity Tier 1 capital (to risk weighted assets) Consolidated 120,158 16.6 4.5 N/A Bank 114,772 16.1 4.5 6.5 Tier 1 capital (to risk weighted assets) Consolidated 128,658 17.8 6.0 6.0 Bank 114,772 16.1 6.0 8.0 Tier 1 capital (to average assets) Consolidated 128,658 12.5 4.0 N/A Bank 114,772 11.3 4.0 5.0 Actual Minimum Regulatory Minimum To Be Well 201 8 Amount Ratio Capital Ratio Capitalized (1) Total capital (to risk weighted assets) Consolidated $ 127,487 17.7 % 8.0 % 10.0 % Bank 114,947 16.2 8.0 10.0 Common equity Tier 1 capital (to risk weighted assets) Consolidated 112,259 15.6 4.5 N/A Bank 108,547 15.3 4.5 6.5 Tier 1 capital (to risk weighted assets) Consolidated 120,759 16.7 6.0 6.0 Bank 108,547 15.3 6.0 8.0 Tier 1 capital (to average assets) Consolidated 120,759 11.8 4.0 N/A Bank 108,547 10.7 4.0 5.0 ( 1 For the Company, these amounts would be required for the Company to engage in activities permissible only for a bank holding company that meets the financial holding company requirements if the Company were not 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, 2020 $15,042 not may

Note Q - Parent Company Only Co

Note Q - Parent Company Only Condensed Financial Information	12 Months Ended
	Dec. 31, 2019
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: 2019 2018 Assets Cash and cash equivalents $ 4,308 $ 4,032 Investment in subsidiaries 134,910 126,059 Notes receivable – subsidiaries 1,963 3,000 Other assets 48 93 Total assets $ 141,229 $ 133,184 Liabilities Notes payable $ 4,233 $ 6,279 Subordinated debentures 8,500 8,500 Other liabilities 317 531 Total liabilities 13,050 15,310 Shareholders’ Equity Total shareholders’ equity 128,179 117,874 Total liabilities and shareholders’ equity $ 141,229 $ 133,184 CONDENSED STATEMENTS OF INCOME Years ended December 31: 2019 2018 2017 Income: Interest on notes $ 47 $ 53 $ 51 Dividends from subsidiaries 4,375 4,225 4,400 Expenses: Interest on notes 139 185 211 Interest on subordinated debentures 356 330 248 Operating expenses 377 351 332 Income before income taxes and equity in undistributed earnings of subsidiaries.. 3,550 3,412 3,660 Income tax benefit 169 164 244 Equity in undistributed earnings of subsidiaries 6,188 8,368 3,605 Net Income $ 9,907 $ 11,944 $ 7,509 Comprehensive Income $ 12,570 $ 10,860 $ 7,622 CONDENSED STATEMENTS OF CASH FLOWS Years ended December 31: 2019 2018 2017 Cash flows from operating activities: Net Income $ 9,907 $ 11,944 $ 7,509 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiaries (6,188 ) (8,368 ) (3,605 ) Common stock issued to ESOP 328 295 428 Change in other assets 45 (26 ) (15 ) Change in other liabilities (214 ) 262 (97 ) Net cash provided by operating activities 3,878 4,107 4,220 Cash flows from investing activities: Cash paid for Milton Bancorp, Inc. acquisition ---- ---- ---- Change in notes receivable 1,037 320 100 Net cash provided by (used in) investing activities 1,037 320 100 Cash flows from financing activities: Change in notes payable (2,046 ) (1,045 ) (558 ) Proceeds from common stock through dividend reinvestment 1,407 1,325 715 Cash dividends paid (4,000 ) (3,967 ) (3,932 ) Net cash provided by (used in) financing activities (4,639 ) (3,687 ) (3775 ) Cash and cash equivalents: Change in cash and cash equivalents 276 740 545 Cash and cash equivalents at beginning of year 4,032 3,292 2,747 Cash and cash equivalents at end of year $ 4,308 $ 4,032 $ 3,292

Note R - Segment Information

Note R - Segment Information	12 Months Ended
	Dec. 31, 2019
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 94.2%, 92.9%, 92.7% December 31, 2019, 2018 2017, 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, 2019 Banking Consumer Finance Total Company Net interest income $ 39,865 $ 3,187 $ 43,052 Provision expense 875 125 1,000 Noninterest income 8,989 177 9,166 Noninterest expense 37,026 2,472 39,498 Tax expense 1,653 160 1,813 Net income 9,300 607 9,907 Assets 1,000,315 12,957 1,013,272 Year Ended December 31, 2018 Banking Consumer Finance Total Company Net interest income $ 40,380 $ 3,346 $ 43,726 Provision expense 850 189 1,039 Noninterest income 8,243 695 8,938 Noninterest expense 34,841 2,585 37,426 Tax expense 1,990 265 2,255 Net income 10,942 1,002 11,944 Assets 1,017,902 12,591 1,030,493 Year Ended December 31, 2017 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

Note S - Consolidated Quarterly

Note S - Consolidated Quarterly Financial Information (Unaudited)	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Quarterly Financial Information [Text Block]	Note S - Consolidated Quarterly Financial Information Quarters Ended Mar. 31 Jun. 30 Sept. 30 Dec. 31 201 9 Total interest income $ 13,058 $ 12,483 $ 12,521 $ 12,255 Total interest expense 1,671 1,830 1,895 1,869 Net interest income 11,387 10,653 10,626 10,386 Provision for loan losses 2,377 (806 ) 444 (1,015 ) Noninterest income 1,846 2,003 2,107 3,210 Noninterest expense 9,568 9,791 9,738 10,401 Net income 1,193 3,079 2,137 3,498 Earnings per share $ 0.25 $ 0.65 $ 0.45 $ 0.73 201 8 Total interest income $ 12,709 $ 11,938 $ 12,181 $ 12,369 Total interest expense 1,199 1,298 1,418 1,556 Net interest income 11,510 10,640 10,763 10,813 Provision for loan losses 756 (23 ) 962 (656 ) Noninterest income 3,076 2,538 1,927 1,397 Noninterest expense 9,808 9,674 9,761 8,183 Net income 3,366 2,976 1,746 3,856 Earnings per share $ 0.71 $ 0.63 $ 0.37 $ 0.82

Note T - Subsequent Events

Note T - Subsequent Events	12 Months Ended
	Dec. 31, 2019
Notes to Financial Statements
Subsequent Events [Text Block]	Note T – Subsequent Events On March 10, 2020, third third 2018. third $2,000 first 2020. third five 2021 2025

Significant Accounting Policies

Significant Accounting Policies (Policies)	12 Months Ended
	Dec. 31, 2019
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	Description of Business: 1956. one one The Company provides a full range of commercial and retail banking services from 22 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:
Segment Reporting, Policy [Policy Text Block]	Industry Segment Information: two
Use of Estimates, Policy [Policy Text Block]	Use of Estimates:
Cash and Cash Equivalents, Policy [Policy Text Block]	Cash and Cash Equivalents: 90 one
Certificates of Deposit in Financial Institutions [Policy Text Block]	Certificates of deposit in financial institutions: 90 September 19, 2022.
Marketable Securities, Policy [Policy Text Block]	Securities: 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 Impairment, 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 not not not
Investment, Policy [Policy Text Block]	Restricted Investments in Bank Stocks : may not
Financing Receivable [Policy Text Block]	Loans: 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 90 All interest accrued but not The Bank also originates long-term, fixed-rate mortgage loans, with full intention of being sold to the secondary market. These loans are considered held for sale during the period of time after the principal has been advanced to the borrower by the Bank, but before the Bank has been reimbursed by the Federal Home Loan Mortgage Corporation, typically within a few business days. Loans sold to the secondary market are carried at the lower of aggregate cost or fair value. As of December 31, 2019, no $108 December 31, 2018.
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Allowance for Loan Losses: 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 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 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, 2019, no
Concentration Risk, Credit Risk, Policy [Policy Text Block]	Concentrations of Credit Risk: The following represents the composition of the Company’s loan portfolio as of December 31: % of Total Loans 2019 2018 Residential real estate loans 40.15 % 39.13 % Commercial real estate loans 28.75 % 27.84 % Consumer loans 18.16 % 18.46 % Commercial and industrial loans 12.94 % 14.57 % 100.00 % 100.00 % Approximately 5.00% December 31, 2019, 5.02% December 31, 2018. 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, 2019, $38,095
Property, Plant and Equipment, Policy [Policy Text Block]	Premises and Equipment: 3 8 7 39
Real Estate, Policy [Policy Text Block]	Foreclosed assets: $540 $430 December 31, 2019 2018.
Goodwill and Intangible Assets, Goodwill, Policy [Policy Text Block]	Goodwill: not December 31 not no
Impairment or Disposal of Long-Lived Assets, Policy [Policy Text Block]	Long-term Assets: may not
Transfers and Servicing of Financial Assets, Policy [Policy Text Block]	Mortgage Servicing Rights: no may December 31, 2019 2018, $357 $368,
Earnings Per Share, Policy [Policy Text Block]	Earnings Per Share: 4,767,279 2019; 4,725,971 2018; 4,685,067 2017. no no
Income Tax, Policy [Policy Text Block]	Income Taxes: December 22, 2017, 34% 21% January 1, 2018. 21% fourth 2017. A tax position is recognized as a benefit only if it is “more likely than not” 50% not not” no
Comprehensive Income, Policy [Policy Text Block]	Comprehensive Income:
Commitments and Contingencies, Policy [Policy Text Block]	Loss Contingencies: not
Bank Owned Life Insurance and Annuity Assets [Policy Text Block]	Bank Owned Life Insurance and Annuity Assets
Employee Stock Ownership Plan (ESOP), Policy [Policy Text Block]	Employee Stock Ownership Plan:
Dividend Reinvestment Plan, Policy [Policy Text Block]	Dividend Reinvestment Plan:
Loan Commitments, Policy [Policy Text Block]	Loan Commitments and Related Financial Instruments:
Dividend Restrictions [Policy Text Block]	Dividend Restrictions: may
Cash and Cash Equivalents, Restricted Cash and Cash Equivalents, Policy [Policy Text Block]	Restrictions on Cash : third $38,794 $60,167 2019 2018. third not
Derivatives, Policy [Policy Text Block]	Derivatives: 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, 2019 2018,
Fair Value of Financial Instruments, Policy [Policy Text Block]	Fair Value of Financial Instruments:
Revenue from Contract with Customer [Policy Text Block]	Revenue Recognition: No. 2014 09, 606 five not 606. 606 not 606 606 606, ● Service charges on deposit accounts ● Trust fees ● Electronic refund check/deposit fees third ● Debit/credit card interchange income ● Gain (loss) on other real estate owned All of the Company’s revenue from contracts with customers within the scope of ASC 606 no
Reclassification, Policy [Policy Text Block]	Reclassifications: 2018 2017 2019. no
New Accounting Pronouncements, Policy [Policy Text Block]	Adoption of New Accounting Standard Updates (“ASU”) : January 1, 2019, 2016 02, 2016 02, January 1, 2019. January 1, 2019 not not 2019 not 2018. As permitted by ASU 2016 02, not 1 2 3 January 1, 2019 not January 1, 2019, 1 2 3 The adoption of ASU 2016 02 no 12 $1,280 Beginning January 1, 2019, No. 2017 08, not not Accounting Guidance to be Adopted in Future Periods: June 2016, No. 2016 13, 2016 13 one first October 16, 2019, December 15, 2022.

Note A - Summary of Significa_2

Note A - Summary of Significant Accounting Policies (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Composition of Loan Portfolio [Table Text Block ]	% of Total Loans 2019 2018 Residential real estate loans 40.15 % 39.13 % Commercial real estate loans 28.75 % 27.84 % Consumer loans 18.16 % 18.46 % Commercial and industrial loans 12.94 % 14.57 % 100.00 % 100.00 %

Note B - Securities (Tables)

Note B - Securities (Tables)	12 Months Ended
	Dec. 31, 2019
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, 2019 U.S. Government sponsored entity securities $ 16,579 $ 163 $ (6 ) $ 16,736 Agency mortgage-backed securities, residential 88,071 807 (296 ) 88,582 Total securities $ 104,650 $ 970 $ (302 ) $ 105,318 December 31, 201 8 U.S. Government sponsored entity securities $ 16,837 $ 8 $ (215 ) $ 16,630 Agency mortgage-backed securities, residential 88,030 92 (2,588 ) 85,534 Total securities $ 104,867 $ 100 $ (2,803 ) $ 102,164
Debt Securities, Held-to-maturity [Table Text Block]	Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Estimated Fair Value Securities Held to Maturity December 31, 2019 Obligations of states and political subdivisions $ 12,031 $ 372 $ (1 ) $ 12,402 Agency mortgage-backed securities, residential 2 ---- ---- 2 Total securities $ 12,033 $ 372 $ (1 ) $ 12,404 December 31, 201 8 Obligations of states and political subdivisions $ 15,813 $ 502 $ (84 ) $ 16,231 Agency mortgage-backed securities, residential 3 ---- ---- 3 Total securities $ 15,816 $ 502 $ (84 ) $ 16,234
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 $ 3,399 $ 3,413 $ 641 $ 644 Due in one to five years 13,180 13,323 6,652 6,813 Due in five to ten years ---- ---- 4,738 4,945 Due after ten years ---- ---- ---- ---- Agency mortgage-backed securities, residential 88,071 88,582 2 2 Total debt securities $ 104,650 $ 105,318 $ 12,033 $ 12,404
Schedule of Unrealized Loss on Investments [Table Text Block]	December 31, 201 9 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 $ ---- $ ---- $ 1,999 $ (6 ) $ 1,999 $ (6 ) Agency mortgage-backed securities, residential 15,041 (84 ) 21,344 (212 ) 36,385 (296 ) Total available for sale $ 15,041 $ (84 ) $ 23,343 $ (218 ) $ 38,384 $ (302 ) December 31, 201 8 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 $ 1,981 $ (1 ) $ 8,679 $ (214 ) $ 10,660 $ (215 ) Agency mortgage-backed securities, residential 8,564 (43 ) 62,619 (2,545 ) 71,183 (2,588 ) Total available for sale $ 10,545 $ (44 ) $ 71,298 $ (2,759 ) $ 81,843 $ (2,803 )
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 $ 204 $ (1 ) $ ---- $ ---- $ 204 $ (1 ) Total held to maturity $ 204 $ (1 ) $ ---- $ ---- $ 204 $ (1 ) 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 $ 484 $ (3 ) $ 1,312 $ (81 ) $ 1,796 $ (84 ) Total held to maturity $ 484 $ (3 ) $ 1,312 $ (81 ) $ 1,796 $ (84 )

Note C - Loans and Allowance _2

Note C - Loans and Allowance for Loan Losses (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	2019 2018 Residential real estate $ 310,253 $ 304,079 Commercial real estate: Owner-occupied 55,825 61,694 Nonowner-occupied 131,398 117,188 Construction 34,913 37,478 Commercial and industrial 100,023 113,243 Consumer: Automobile 63,770 70,226 Home equity 22,882 22,512 Other 53,710 50,632 772,774 777,052 Less: Allowance for loan losses (6,272 ) (6,728 ) Loans, net $ 766,502 $ 770,324
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	December 31, 2019 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,583 $ 2,186 $ 1,063 $ 1,896 $ 6,728 Provision for loan losses 98 (1,745 ) 1,807 840 1,000 Loans charged off (1,060 ) (602 ) (1,513 ) (1,917 ) (5,092 ) Recoveries 629 2,089 90 828 3,636 Total ending allowance balance $ 1,250 $ 1,928 $ 1,447 $ 1,647 $ 6,272 December 31, 2018 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,470 $ 2,978 $ 1,024 $ 2,027 $ 7,499 Provision for loan losses 772 (1,311 ) (80 ) 1,658 1,039 Loans charged off (874 ) (4 ) (208 ) (2,514 ) (3,600 ) Recoveries 215 523 327 725 1,790 Total ending allowance balance $ 1,583 $ 2,186 $ 1,063 $ 1,896 $ 6,728 December 31, 2017 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
Allowance For Loan Losses And The Recorded Investment Of Loans [Table Text Block]	December 31, 2019 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ 385 $ 303 $ 119 $ 807 Collectively evaluated for impairment 1,250 1,543 1,144 1,528 5,465 Total ending allowance balance $ 1,250 $ 1,928 $ 1,447 $ 1,647 $ 6,272 Loans: Loans individually evaluated for impairment $ 438 $ 11,300 $ 4,910 $ 487 $ 17,135 Loans collectively evaluated for impairment 309,815 210,836 95,113 139,875 755,639 Total ending loans balance $ 310,253 $ 222,136 $ 100,023 $ 140,362 $ 772,774 December 31, 2018 Residential Real Estate Commercial Real Estate Commercial & Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ 98 $ ---- $ ---- $ 98 Collectively evaluated for impairment 1,583 2,088 1,063 1,896 6,630 Total ending allowance balance $ 1,583 $ 2,186 $ 1,063 $ 1,896 $ 6,728 Loans: Loans individually evaluated for impairment $ 1,667 $ 3,835 $ 7,116 $ ---- $ 12,618 Loans collectively evaluated for impairment 302,412 212,525 106,127 143,370 764,434 Total ending loans balance $ 304,079 $ 216,360 $ 113,243 $ 143,370 $ 777,052
Schedule of Loans Individually Evaluated for Impairment [Table Text Block]	December 31, 2019 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 $ 2,030 $ 2,030 $ 385 $ 1,375 $ 197 $ 197 Commercial and industrial 4,861 4,861 303 4,796 319 319 Consumer: Automobile 8 8 8 2 ---- ---- Other 111 111 111 22 9 9 With no related allowance recorded: Residential real estate 438 438 ---- 453 23 23 Commercial real estate: Owner-occupied 1,778 1,778 ---- 1,902 113 113 Nonowner-occupied 7,492 7,492 ---- 6,160 477 477 Construction 319 ---- ---- ---- 20 20 Commercial and industrial 49 49 ---- 300 111 111 Consumer: Home equity 368 368 ---- 143 19 19 Total $ 17,454 $ 17,135 $ 807 $ 15,153 $ 1,288 $ 1,288 December 31, 2018 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 $ 362 $ 362 $ 98 $ 367 $ 15 $ 15 With no related allowance recorded: Residential real estate 1,667 1,667 ---- 511 101 101 Commercial real estate: Owner-occupied 2,527 2,527 ---- 2,475 141 141 Nonowner-occupied 2,368 946 ---- 1,912 57 57 Construction 336 ---- ---- ---- 20 20 Commercial and industrial 7,116 7,116 ---- 5,802 414 414 Total $ 14,376 $ 12,618 $ 98 $ 11,067 $ 748 $ 748 December 31, 2017 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
Schedule of Recorded Investment In Nonaccrual Loans [Table Text Block]	Loans Past Due 90 Days And Still Accruing Nonaccrual December 31, 2019 Residential real estate $ 255 $ 6,119 Commercial real estate: Owner-occupied ---- 863 Nonowner-occupied ---- 804 Construction ---- 229 Commercial and industrial ---- 590 Consumer: Automobile 239 61 Home equity ---- 392 Other 395 91 Total $ 889 $ 9,149 Loans Past Due 90 Days And Still Accruing Nonaccrual December 31, 2018 Residential real estate $ 19 $ 6,661 Commercial real estate: Owner-occupied ---- 470 Nonowner-occupied 362 574 Construction 66 416 Commercial and industrial 31 228 Consumer: Automobile 270 59 Home equity 91 183 Other 228 86 Total $ 1,067 $ 8,677
Financing Receivable, Past Due [Table Text Block]	December 31, 2019 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 $ 4,015 $ 1,314 $ 1,782 $ 7,111 $ 303,142 $ 310,253 Commercial real estate: Owner-occupied 383 59 144 586 55,239 55,825 Nonowner-occupied 12 ---- 697 709 130,689 131,398 Construction 186 19 49 254 34,659 34,913 Commercial and industrial 1,320 312 241 1,873 98,150 100,023 Consumer: Automobile 986 329 246 1,561 62,209 63,770 Home equity 106 18 279 403 22,479 22,882 Other 559 139 443 1,141 52,569 53,710 Total $ 7,567 $ 2,190 $ 3,881 $ 13,638 $ 759,136 $ 772,774 December 31, 2018 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 $ 3,369 $ 1,183 $ 1,642 $ 6,194 $ 297,885 $ 304,079 Commercial real estate: Owner-occupied 298 ---- 129 427 61,267 61,694 Nonowner-occupied 299 ---- 747 1,046 116,142 117,188 Construction 31 ---- 265 296 37,182 37,478 Commercial and industrial 428 192 110 730 112,513 113,243 Consumer: Automobile 1,287 286 289 1,862 68,364 70,226 Home equity 171 92 260 523 21,989 22,512 Other 593 291 228 1,112 49,520 50,632 Total $ 6,476 $ 2,044 $ 3,670 $ 12,190 $ 764,862 $ 777,052
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs December 31, 2019 Residential real estate: Interest only payments $ 209 $ ---- $ 209 Commercial real estate: Owner-occupied Interest only payments 882 ---- 882 Reduction of principal and interest payments 1,521 ---- 1,521 Maturity extension at lower stated rate than market rate 393 ---- 393 Credit extension at lower stated rate than market rate 393 ---- 393 Nonowner-occupied Credit extension at lower stated rate than market rate 395 ---- 395 Commercial and industrial Interest only payments 4,574 ---- 4,574 Reduction of principal and interest payments 185 ---- 185 Total TDRs $ 8,552 $ ---- $ 8,552 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs December 31, 2018 Residential real estate: Interest only payments $ 216 $ ---- $ 216 Commercial real estate: Owner-occupied Interest only payments 968 ---- 968 Reduction of principal and interest payments 529 ---- 529 Maturity extension at lower stated rate than market rate 469 ---- 469 Credit extension at lower stated rate than market rate 402 402 Nonowner-occupied Interest only payments ---- 385 385 Rate reduction ---- 362 362 Credit extension at lower stated rate than market rate 561 ---- 561 Commercial and industrial Interest only payments 4,742 ---- 4,742 Total TDRs $ 7,887 $ 747 $ 8,634
Troubled Debt Restructurings on Financing Receivables Pre And Post Modification [Table Text Block]	TDRs Performing to Modified Terms TDRs 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, 2019 Commercial real estate: Owner-occupied Reduction of principal and interest payments 1 $ 1,036 $ 1,036 $ ---- $ ---- Commercial and industrial: Reduction of principal and interest payments 1 199 199 ---- ---- Total TDRs 2 $ 1,235 $ 1,235 $ ---- $ ---- TDRs Performing to Modified Terms TDRs 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, 2017 Commercial real estate: Owner-occupied Interest only payments 1 $ 997 $ 997 $ ---- $ ---- Credit extension at lower stated rate than market rate 1 412 412 ---- ---- Total TDRs 2 $ 1,409 $ 1,409 $ ---- $ ----
Financing Receivable Credit Quality Indicators [Table Text Block]	December 31, 2019 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 49,486 $ 2,889 $ 3,450 $ 55,825 Nonowner-occupied 123,847 ---- 7,551 131,398 Construction 34,864 ---- 49 34,913 Commercial and industrial 89,749 298 9,976 100,023 Total $ 297,946 $ 3,187 $ 21,026 $ 322,159 December 31, 2018 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 50,474 $ 7,724 $ 3,496 $ 61,694 Nonowner-occupied 115,170 ---- 2,018 117,188 Construction 37,321 ---- 157 37,478 Commercial and industrial 92,417 6,536 14,290 113,243 Total $ 295,382 $ 14,260 $ 19,961 $ 329,603
Performing and Nonperforming Loans [Table Text Block]	Consumer December 31, 2019 Automobile Home Equity Other Residential Real Estate Total Performing $ 63,470 $ 22,490 $ 53,224 $ 303,879 $ 443,063 Nonperforming 300 392 486 6,374 7,552 Total $ 63,770 $ 22,882 $ 53,710 $ 310,253 $ 450,615 Consumer December 31, 2018 Automobile Home Equity Other Residential Real Estate Total Performing $ 69,897 $ 22,238 $ 50,318 $ 297,399 $ 439,852 Nonperforming 329 274 314 6,680 7,597 Total $ 70,226 $ 22,512 $ 50,632 $ 304,079 $ 447,449

Note D - Premises and Equipme_2

Note D - Premises and Equipment (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Property, Plant and Equipment [Table Text Block]	2019 2018 Land $ 2,633 $ 2,744 Buildings 20,890 16,154 Leasehold improvements 1,267 1,267 Furniture and equipment 6,847 6,039 31,637 26,204 Less accumulated depreciation 12,420 11,349 Total premises and equipment $ 19,217 $ 14,855
Disclosure of Long Lived Assets Held-for-sale [Table Text Block]	2019 2018 Land $ 153 $ ---- Buildings 563 ---- 716 ---- Less accumulated depreciation 63 ---- Total premises and equipment held for sale $ 653 $ ----

Note E - Leases (Tables)

Note E - Leases (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Lease, Cost [Table Text Block]	December 31, 2019 Operating leases: Operating lease right-of-use assets $ 1,053 Operating lease liabilities $ 1,053 December 31, 2019 Operating lease cost $ 282 Short-term lease expense $ 52 December 31, 2019 Weighted-average remaining lease term for operating leases (in years) 10.6 Weighted-average discount rate for operating leases 2.76 %
Lessee, Operating Lease, Liability, Maturity [Table Text Block]	Operating Leases 2020 $ 180 2021 157 2022 157 2023 116 2024 95 Thereafter 546 Total lease payments 1,251 Less: Imputed Interest (198 ) Total operating leases $ 1,053

Note F - Goodwill and Intangi_2

Note F - Goodwill and Intangible Assets (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Goodwill [Table Text Block]	2019 2018 2017 Beginning of year $ 7,371 $ 7,371 $ 7,801 Acquired goodwill ---- ---- ---- Impairment ---- ---- ---- Finalization of Milton branch sale (52 ) ---- ---- Finalization of Milton acquisition accounting ---- ---- (430 ) End of year $ 7,319 $ 7,371 $ 7,371
Schedule of Finite-Lived Intangible Assets [Table Text Block]	2019 2018 Gross Carrying Amount Accumulated Amortization Gross Carrying Amount Accumulated Amortization Amortized intangible assets: Core deposit intangibles $ 738 $ 564 $ 738 $ 359
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]	2020 $ 62 2021 48 2022 35 2023 21 2024 8 Total $ 174

Note G - Deposits (Tables)

Note G - Deposits (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Interest Bearing Deposits [Table Text Block ]	2019 2018 NOW accounts $ 158,434 $ 155,166 Savings and Money Market 230,672 237,868 Time: In denominations of $250,000 or less 175,334 178,736 In denominations of more than $250,000 34,424 37,113 Total time deposits 209,758 215,849 Total interest-bearing deposits $ 598,864 $ 608,883
Maturities of Time Deposits [Table Text Block]	2020 $ 116,666 2021 58,585 2022 22,833 2023 9,077 2024 1,978 Thereafter 619 Total $ 209,758

Note I - Other Borrowed Funds (

Note I - Other Borrowed Funds (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank [Table Text Block]	FHLB Borrowings Promissory Notes Totals 2019 $ 29,758 $ 4,233 $ 33,991 2018 $ 33,434 $ 6,279 $ 39,713
Schedule of Maturities of Long-term Debt [Table Text Block]	FHLB Borrowings Promissory Notes Totals 2020 $ 3,722 $ 3,600 $ 7,322 2021 3,000 633 3,633 2022 2,841 ---- 2,841 2023 2,705 ---- 2,705 2024 2,301 ---- 2,301 Thereafter 15,189 ---- 15,189 $ 29,758 $ 4,233 $ 33,991

Note K - Income Taxes (Tables)

Note K - Income Taxes (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Components of Income Tax Expense (Benefit) [Table Text Block]	2019 2018 2017 Current tax expense $ 1,446 $ 2,389 $ 2,579 Deferred tax (benefit) expense 367 (134 ) 1,907 Total income taxes $ 1,813 $ 2,255 $ 4,486
Schedule of Deferred Tax Assets and Liabilities [Table Text Block]	2019 2018 Items giving rise to deferred tax assets: Allowance for loan losses $ 1,364 $ 1,463 Unrealized loss on securities available for sale ---- 568 Deferred compensation 1,700 1,580 Deferred loan fees/costs 110 119 Other real estate owned 4 434 Accrued bonus 204 280 Purchase accounting adjustments 24 61 Net operating loss 115 132 Lease liability 274 ---- Other 346 257 Items giving rise to deferred tax liabilities: Mortgage servicing rights (77 ) (80 ) FHLB stock dividends (676 ) (676 ) Unrealized gain on securities available for sale (140 ) ---- Prepaid expenses (182 ) (191 ) Depreciation and amortization (579 ) (656 ) Right-of-use asset (274 ) ---- Other ---- (3 ) Net deferred tax asset $ 2,213 $ 3,288
Schedule of Effective Income Tax Rate Reconciliation [Table Text Block]	2019 2018 2017 Statutory tax $ 2,461 $ 2,982 $ 4,078 Effect of nontaxable interest (336 ) (352 ) (514 ) Effect of nontaxable insurance premiums (212 ) (218 ) (303 ) Income from bank owned insurance, net (141 ) (142 ) (230 ) Effect of postretirement benefits 54 20 (78 ) Effect of nontaxable life insurance death proceeds ---- ---- (175 ) Impact from TCJA ---- ---- 1,783 Effect of state income tax 100 33 70 Tax credits (145 ) (217 ) (191 ) Milton Merger Costs ---- ---- 4 Other items 32 149 42 Total income taxes $ 1,813 $ 2,255 $ 4,486

Note L - Commitments and Cont_2

Note L - Commitments and Contingent Liabilities (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Other Commitments [Table Text Block]	2019 2018 Fixed rate $ 660 $ 121 Variable rate 70,561 66,580 Standby letters of credit 3,957 4,325

Note M - Related Party Transa_2

Note M - Related Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Related Party Transactions [Table Text Block]	Total loans at January 1, 2019 $ 3,674 New loans 890 Repayments (391 ) Other changes (199 ) Total loans at December 31, 2019 $ 3,974

Note N - Employee Benefits (Tab

Note N - Employee Benefits (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Employee Stock Ownership Plan (ESOP) Disclosures [Table Text Block]	Years ended December 31 2019 2018 2017 Number of shares issued 8,333 7,294 15,118 Fair value of stock contributed $ 328 $ 295 $ 428 Cash contributed 500 500 250 Total expense $ 828 $ 795 $ 678

Note O - Fair Value of Financ_2

Note O - Fair Value of Financial Instruments (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Fair Value, Assets Measured on Recurring and Nonrecurring Basis [Table Text Block]	Fair Value Measurements at December 31, 2019, 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 ---- $ 16,736 ---- Agency mortgage-backed securities, residential ---- 88,582 ---- Interest rate swap derivatives ---- 465 ---- Interest rate swap derivatives ---- (465 ) ---- Fair Value Measurements at December 31, 2018, 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 ---- $ 16,630 ---- Agency mortgage-backed securities, residential ---- 85,534 ---- Interest rate swap derivatives ---- 101 ---- Interest rate swap derivatives ---- (101 ) ---- Fair Value Measurements at December 31, 2019, Using Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets: Impaired loans: Commercial real estate: Owner-occupied $ ---- $ ---- $ 1,664 Commercial and Industrial ---- ---- 4,559 Fair Value Measurements at December 31, 2018, 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: $ ---- $ ---- $ 264 Nonowner-occupied Other real estate owned: Commercial real estate: Construction ---- 228 ----
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	December 31, 2019 Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) Impaired loans: Commercial real estate: Owner-occupied $ 1,644 Sales approach Adjustment to comparables 0% to 20% 9.7 % Commercial and Industrial 4,559 Sales approach Adjustment to comparables 0% to 61% 10.3 % December 31, 2018 Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) Impaired loans: Commercial real estate: Nonowner-occupied $ 264 Sales approach Adjustment to comparables 6.8 to 66.7% 18.0 %
Fair Value, by Balance Sheet Grouping [Table Text Block]	Fair Value Measurements at December 31, 2019 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 52,356 $ 52,356 $ ---- $ ---- $ 52,356 Certificates of deposit in financial institutions 2,360 ---- 2,360 ---- 2,360 Securities available for sale 105,318 ---- 105,318 ---- 105,318 Securities held to maturity 12,033 ---- 6,446 5,958 12,404 Loans, net 766,502 ---- ---- 771,285 771,285 Interest rate swap derivatives 465 ---- 465 ---- 465 Accrued interest receivable 2,564 ---- 315 2,249 2,564 Financial Liabilities: Deposits 821,471 222,607 599,937 ---- 822,544 Other borrowed funds 33,991 ---- 34,345 ---- 34,345 Subordinated debentures 8,500 ---- 6,275 ---- 6,275 Interest rate swap derivatives 465 ---- 465 ---- 465 Accrued interest payable 1,589 3 1,586 ---- 1,589 Fair Value Measurements at December 31, 2018 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 71,180 $ 71,180 $ ---- $ ---- $ 71,180 Certificates of deposit in financial institutions 2,065 ---- 2,065 ---- 2,065 Securities available for sale 102,164 ---- 102,164 ---- 102,164 Securities held to maturity 15,816 ---- 7,625 8,609 16,234 Loans, net 770,324 ---- ---- 766,784 766,784 Interest rate swap derivatives 101 ---- 101 ---- 101 Accrued interest receivable 2,638 ---- 312 2,326 2,638 Financial Liabilities: Deposits 846,704 237,821 607,593 ---- 845,414 Other borrowed funds 39,713 ---- 37,644 ---- 37,644 Subordinated debentures 8,500 ---- 7,054 ---- 7,054 Interest rate swap derivatives 101 ---- 101 ---- 101 Accrued interest payable 1,255 3 1,252 ---- 1,255

Note P - Regulatory Matters (Ta

Note P - Regulatory Matters (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Actual Minimum Regulatory Minimum To Be Well 201 9 Amount Ratio Capital Ratio Capitalized (1) Total capital (to risk weighted assets) Consolidated $ 134,930 18.7 % 8.0 % 10.0 % Bank 120,716 17.0 8.0 10.0 Common equity Tier 1 capital (to risk weighted assets) Consolidated 120,158 16.6 4.5 N/A Bank 114,772 16.1 4.5 6.5 Tier 1 capital (to risk weighted assets) Consolidated 128,658 17.8 6.0 6.0 Bank 114,772 16.1 6.0 8.0 Tier 1 capital (to average assets) Consolidated 128,658 12.5 4.0 N/A Bank 114,772 11.3 4.0 5.0 Actual Minimum Regulatory Minimum To Be Well 201 8 Amount Ratio Capital Ratio Capitalized (1) Total capital (to risk weighted assets) Consolidated $ 127,487 17.7 % 8.0 % 10.0 % Bank 114,947 16.2 8.0 10.0 Common equity Tier 1 capital (to risk weighted assets) Consolidated 112,259 15.6 4.5 N/A Bank 108,547 15.3 4.5 6.5 Tier 1 capital (to risk weighted assets) Consolidated 120,759 16.7 6.0 6.0 Bank 108,547 15.3 6.0 8.0 Tier 1 capital (to average assets) Consolidated 120,759 11.8 4.0 N/A Bank 108,547 10.7 4.0 5.0

Note Q - Parent Company Only _2

Note Q - Parent Company Only Condensed Financial Information (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Condensed Balance Sheet [Table Text Block]	Years ended December 31: 2019 2018 Assets Cash and cash equivalents $ 4,308 $ 4,032 Investment in subsidiaries 134,910 126,059 Notes receivable – subsidiaries 1,963 3,000 Other assets 48 93 Total assets $ 141,229 $ 133,184 Liabilities Notes payable $ 4,233 $ 6,279 Subordinated debentures 8,500 8,500 Other liabilities 317 531 Total liabilities 13,050 15,310 Shareholders’ Equity Total shareholders’ equity 128,179 117,874 Total liabilities and shareholders’ equity $ 141,229 $ 133,184
Condensed Income Statement [Table Text Block]	Years ended December 31: 2019 2018 2017 Income: Interest on notes $ 47 $ 53 $ 51 Dividends from subsidiaries 4,375 4,225 4,400 Expenses: Interest on notes 139 185 211 Interest on subordinated debentures 356 330 248 Operating expenses 377 351 332 Income before income taxes and equity in undistributed earnings of subsidiaries.. 3,550 3,412 3,660 Income tax benefit 169 164 244 Equity in undistributed earnings of subsidiaries 6,188 8,368 3,605 Net Income $ 9,907 $ 11,944 $ 7,509 Comprehensive Income $ 12,570 $ 10,860 $ 7,622
Condensed Cash Flow Statement [Table Text Block]	Years ended December 31: 2019 2018 2017 Cash flows from operating activities: Net Income $ 9,907 $ 11,944 $ 7,509 Adjustments to reconcile net income to net cash provided by operating activities: Equity in undistributed earnings of subsidiaries (6,188 ) (8,368 ) (3,605 ) Common stock issued to ESOP 328 295 428 Change in other assets 45 (26 ) (15 ) Change in other liabilities (214 ) 262 (97 ) Net cash provided by operating activities 3,878 4,107 4,220 Cash flows from investing activities: Cash paid for Milton Bancorp, Inc. acquisition ---- ---- ---- Change in notes receivable 1,037 320 100 Net cash provided by (used in) investing activities 1,037 320 100 Cash flows from financing activities: Change in notes payable (2,046 ) (1,045 ) (558 ) Proceeds from common stock through dividend reinvestment 1,407 1,325 715 Cash dividends paid (4,000 ) (3,967 ) (3,932 ) Net cash provided by (used in) financing activities (4,639 ) (3,687 ) (3775 ) Cash and cash equivalents: Change in cash and cash equivalents 276 740 545 Cash and cash equivalents at beginning of year 4,032 3,292 2,747 Cash and cash equivalents at end of year $ 4,308 $ 4,032 $ 3,292

Note R - Segment Information (T

Note R - Segment Information (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	Year Ended December 31, 2019 Banking Consumer Finance Total Company Net interest income $ 39,865 $ 3,187 $ 43,052 Provision expense 875 125 1,000 Noninterest income 8,989 177 9,166 Noninterest expense 37,026 2,472 39,498 Tax expense 1,653 160 1,813 Net income 9,300 607 9,907 Assets 1,000,315 12,957 1,013,272 Year Ended December 31, 2018 Banking Consumer Finance Total Company Net interest income $ 40,380 $ 3,346 $ 43,726 Provision expense 850 189 1,039 Noninterest income 8,243 695 8,938 Noninterest expense 34,841 2,585 37,426 Tax expense 1,990 265 2,255 Net income 10,942 1,002 11,944 Assets 1,017,902 12,591 1,030,493 Year Ended December 31, 2017 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

Note S - Consolidated Quarter_2

Note S - Consolidated Quarterly Financial Information (Unaudited) (Tables)	12 Months Ended
	Dec. 31, 2019
Notes Tables
Quarterly Financial Information [Table Text Block]	Quarters Ended Mar. 31 Jun. 30 Sept. 30 Dec. 31 201 9 Total interest income $ 13,058 $ 12,483 $ 12,521 $ 12,255 Total interest expense 1,671 1,830 1,895 1,869 Net interest income 11,387 10,653 10,626 10,386 Provision for loan losses 2,377 (806 ) 444 (1,015 ) Noninterest income 1,846 2,003 2,107 3,210 Noninterest expense 9,568 9,791 9,738 10,401 Net income 1,193 3,079 2,137 3,498 Earnings per share $ 0.25 $ 0.65 $ 0.45 $ 0.73 201 8 Total interest income $ 12,709 $ 11,938 $ 12,181 $ 12,369 Total interest expense 1,199 1,298 1,418 1,556 Net interest income 11,510 10,640 10,763 10,813 Provision for loan losses 756 (23 ) 962 (656 ) Noninterest income 3,076 2,538 1,927 1,397 Noninterest expense 9,808 9,674 9,761 8,183 Net income 3,366 2,976 1,746 3,856 Earnings per share $ 0.71 $ 0.63 $ 0.37 $ 0.82

Note A - Summary of Significa_3

Note A - Summary of Significant Accounting Policies (Details Textual) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)shares	Dec. 31, 2018USD ($)shares	Dec. 31, 2017USD ($)shares	Jan. 01, 2019USD ($)
Number of Stores	22
Number of Reportable Segments	2
Loans Held-for-sale, Fair Value Disclosure	$ 0	$ 108
Percentage of Loan Portfolio	100.00%	100.00%
Due from Banks	$ 38,095
Repossessed Assets, Total	540	$ 430
Goodwill, Impairment Loss	0	0
Servicing Asset, Total	$ 357	$ 368
Weighted Average Number of Shares Outstanding, Basic and Diluted | shares	4,767,279	4,725,971	4,685,067
Weighted Average Number Diluted Shares Outstanding Adjustment, Total | shares	0	0	0
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent		21.00%	34.00%
Restricted Cash and Cash Equivalents, Total	$ 38,794	$ 60,167
Finance Lease, Liability, Total	0
Operating Lease, Right-of-Use Asset	1,053
Operating Lease, Liability, Total	$ 1,053
Accounting Standards Update 2016-02 [Member]
Operating Lease, Right-of-Use Asset				$ 1,280
Operating Lease, Liability, Total				$ 1,280
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	5.00%	5.02%
Consumer Portfolio Segment [Member]
Period of Actual Loss History Experienced	3 years
Percentage of Loan Portfolio	18.16%	18.46%
Commercial Portfolio Segment [Member]
Period of Actual Loss History Experienced	5 years
Percentage of Loan Portfolio	12.94%	14.57%

Note A - Summary of Significa_4

Note A - Summary of Significant Accounting Policies - Composition of Loan Portfolio (Details)	Dec. 31, 2019	Dec. 31, 2018
% Total Loans	100.00%	100.00%
Residential Portfolio Segment [Member]
% Total Loans	40.15%	39.13%
Commercial Real Estate Portfolio Segment [Member]
% Total Loans	28.75%	27.84%
Consumer Portfolio Segment [Member]
% Total Loans	18.16%	18.46%
Commercial Portfolio Segment [Member]
% Total Loans	12.94%	14.57%

Note B - Securities (Details Te

Note B - Securities (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Proceeds from Sale of Debt Securities, Available-for-sale	$ 0	$ 0	$ 0
Other than Temporary Impairment Losses, Investments, Total	0	0
Collateral Pledged [Member]
Debt Securities, Available-for-sale, Restricted	$ 78,418	$ 79,443

Note B - Securities - Securitie

Note B - Securities - Securities Available-for-sale (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Securities available for sale, amortized cost	$ 104,650	$ 104,867
Securities available for sale, gross unrealized gains	970	100
Securities available for sale, gross unrealized losses	(302)	(2,803)
Securities available for sale	105,318	102,164
US Government-sponsored Enterprises Debt Securities [Member]
Securities available for sale, amortized cost	16,579	16,837
Securities available for sale, gross unrealized gains	163	8
Securities available for sale, gross unrealized losses	(6)	(215)
Securities available for sale	16,736	16,630
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Securities available for sale, amortized cost	88,071	88,030
Securities available for sale, gross unrealized gains	807	92
Securities available for sale, gross unrealized losses	(296)	(2,588)
Securities available for sale	$ 88,582	$ 85,534

Note B - Securities - Securit_2

Note B - Securities - Securities Held-to-maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Securities held to maturity, amortized cost	$ 12,033	$ 15,816
Securities held to maturity, gross unrecognized gains	372	502
Securities held to maturity, gross unrecognized losses	(1)	(84)
Securities held to maturity	12,404	16,234
US States and Political Subdivisions Debt Securities [Member]
Securities held to maturity, amortized cost	12,031	15,813
Securities held to maturity, gross unrecognized gains	372	502
Securities held to maturity, gross unrecognized losses	(1)	(84)
Securities held to maturity	12,402	16,231
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Securities held to maturity, amortized cost	2	3
Securities held to maturity, gross unrecognized gains
Securities held to maturity, gross unrecognized losses
Securities held to maturity	$ 2	$ 3

Note B - Securities - Securit_3

Note B - Securities - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Due in one year or less, available for sale, amortized cost	$ 3,399
Due in one year or less, available for sale, fair value	3,413
Due in one year or less, held to maturity, amortized cost	641
Due in one year or less, held to maturity, fair value	644
Due in over one to five years, available for sale, amortized cost	13,180
Due in over one to five years, available for sale, fair value	13,323
Due in over one to five years, held to maturity, amortized cost	6,652
Due in over one to five years, held to maturity, fair value	6,813
Due in over five to ten years, available for sale, amortized cost
Due in over five to ten years, available for sale, fair value
Due in over five to ten years, held to maturity, amortized cost	4,738
Due in over five to ten years, held to maturity, fair value	4,945
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
Due after ten years, held to maturity, fair value
Agency mortgage-backed securities, residential, available for sale, amortized cost	88,071
Agency mortgage-backed securities, residential, available for sale, fair value	88,582
Agency mortgage-backed securities, residential, held to maturity, amortized cost	2
Agency mortgage-backed securities, residential, held to maturity, fair value	2
Total debt securities, available for sale, amortized cost	104,650	$ 104,867
Total debt securities, available for sale, fair value	105,318	102,164
Total debt securities, held to maturity, amortized cost	12,033	15,816
Total debt securities, held to maturity, fair value	$ 12,404	$ 16,234

Note B - Securities - Securit_4

Note B - Securities - Securities Available-for-sale With Unrealized Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Less than 12 Months - Fair Value	$ 15,041	$ 10,545
Less than 12 Months - Unrealized Loss	(84)	(44)
12 Months or More - Fair Value	23,343	71,298
12 Months or More - Unrealized Loss	(218)	(2,759)
Fair Value	38,384	81,843
Unrealized Loss	(302)	(2,803)
US Government-sponsored Enterprises Debt Securities [Member]
Less than 12 Months - Fair Value		1,981
Less than 12 Months - Unrealized Loss		(1)
12 Months or More - Fair Value	1,999	8,679
12 Months or More - Unrealized Loss	(6)	(214)
Fair Value	1,999	10,660
Unrealized Loss	(6)	(215)
Mortgage-backed Securities, Issued by Private Enterprises [Member]
Less than 12 Months - Fair Value	15,041	8,564
Less than 12 Months - Unrealized Loss	(84)	(43)
12 Months or More - Fair Value	21,344	62,619
12 Months or More - Unrealized Loss	(212)	(2,545)
Fair Value	36,385	71,183
Unrealized Loss	$ (296)	$ (2,588)

Note B - Securities - Securit_5

Note B - Securities - Securities Held to Maturity With Unrealized Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Less Than 12 Months - Fair Value	$ 204	$ 484
Less Than 12 Months - Unrecognized Loss	(1)	(3)
12 Months or More - Fair Value		1,312
12 Months or More - Unrecognized Loss		(81)
Fair Value	204	1,796
Unrecognized Loss	(1)	(84)
US States and Political Subdivisions Debt Securities [Member]
Less Than 12 Months - Fair Value	204	484
Less Than 12 Months - Unrecognized Loss	(1)	(3)
12 Months or More - Fair Value		1,312
12 Months or More - Unrecognized Loss		(81)
Fair Value	204	1,796
Unrecognized Loss	$ (1)	$ (84)

Note C - Loans and Allowance _3

Note C - Loans and Allowance for Loan Losses (Details Textual) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)	Dec. 31, 2017USD ($)
Increase (Decrease) in Other Loans	$ 82
Change In Troubled Debt Restructurings	1.00%
Impaired Financing Receivable, Related Allowance	$ 807	$ 98	$ 94
Financing Receivable, Troubled Debt Restructuring, Commitment to Lend	$ 941	$ 758
Financing Receivable, Modifications, Number of Contracts	2	0	2
Financing Receivable, Troubled Debt Restructuring, Provision	$ 185
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down	$ 0		$ 0
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	0		0
Financing Receivable, Modified During Period, Amount	$ 50,586	$ 28,738
Minimum Loan Balance For Loans Evaluated by Risk Categories	$ 750
Percentage of Loan Portfolio	100.00%	100.00%
Troubled Debt Restructurings [Member]
Impaired Financing Receivable, Related Allowance	$ 227	$ 98
Unsecured [Member]
Percentage of Loan Portfolio	5.00%	5.02%
Residential Portfolio Segment [Member]
Real Estate Acquired Through Foreclosure	$ 68	$ 134
Mortgage Loans in Process of Foreclosure, Amount	$ 1,780	$ 2,375
Percentage of Loan Portfolio	40.15%	39.13%
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Troubled Debt Restructuring, Subsequent Default		$ 362
Percentage of Loan Portfolio	28.75%	27.84%

Note C - Loans and Allowance _4

Note C - Loans and Allowance for Loan Losses - Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans	$ 772,774	$ 777,052
Less: Allowance for loan losses	(6,272)	(6,728)
Loans, net	766,502	770,324
Residential Portfolio Segment [Member]
Loans	310,253	304,079
Commercial Real Estate Portfolio Segment [Member]
Loans	222,136	216,360
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans	55,825	61,694
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans	131,398	117,188
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans	34,913	37,478
Commercial and Industrial Portfolio Segment [Member]
Loans	100,023	113,243
Consumer Portfolio Segment [Member]
Loans	140,362	143,370
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans	63,770	70,226
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans	22,882	22,512
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans	$ 53,710	$ 50,632

Note C - Loans and Allowance _5

Note C - Loans and Allowance for Loan Losses - Allowance for Loan Losses Activity by Portfolio Segment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Balance	$ 6,728	$ 7,499	$ 7,699
Provision for loan losses	1,000	1,039	2,564
Loans charged off	(5,092)	(3,600)	(4,081)
Recoveries	3,636	1,790	1,317
Balance	6,272	6,728	7,499
Residential Portfolio Segment [Member]
Balance	1,583	1,470	939
Provision for loan losses	98	772	1,016
Loans charged off	(1,060)	(874)	(745)
Recoveries	629	215	260
Balance	1,250	1,583	1,470
Commercial Real Estate Portfolio Segment [Member]
Balance	2,186	2,978	4,315
Provision for loan losses	(1,745)	(1,311)	(632)
Loans charged off	(602)	(4)	(1,067)
Recoveries	2,089	523	362
Balance	1,928	2,186	2,978
Commercial and Industrial Portfolio Segment [Member]
Balance	1,063	1,024	907
Provision for loan losses	1,807	(80)	658
Loans charged off	(1,513)	(208)	(627)
Recoveries	90	327	86
Balance	1,447	1,063	1,024
Consumer Portfolio Segment [Member]
Balance	1,896	2,027	1,538
Provision for loan losses	840	1,658	1,522
Loans charged off	(1,917)	(2,514)	(1,642)
Recoveries	828	725	609
Balance	$ 1,647	$ 1,896	$ 2,027

Note C - Loans and Allowance _6

Note C - 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, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Individually evaluated for impairment	$ 807	$ 98
Collectively evaluated for impairment	5,465	6,630
Total ending allowance balance	6,272	6,728	$ 7,499	$ 7,699
Loans individually evaluated for impairment	17,135	12,618
Loans collectively evaluated for impairment	755,639	764,434
Total ending loans balance	772,774	777,052
Residential Portfolio Segment [Member]
Individually evaluated for impairment
Collectively evaluated for impairment	1,250	1,583
Total ending allowance balance	1,250	1,583	1,470	939
Loans individually evaluated for impairment	438	1,667
Loans collectively evaluated for impairment	309,815	302,412
Total ending loans balance	310,253	304,079
Commercial Real Estate Portfolio Segment [Member]
Individually evaluated for impairment	385	98
Collectively evaluated for impairment	1,543	2,088
Total ending allowance balance	1,928	2,186	2,978	4,315
Loans individually evaluated for impairment	11,300	3,835
Loans collectively evaluated for impairment	210,836	212,525
Total ending loans balance	222,136	216,360
Commercial and Industrial Portfolio Segment [Member]
Individually evaluated for impairment	303
Collectively evaluated for impairment	1,144	1,063
Total ending allowance balance	1,447	1,063	1,024	907
Loans individually evaluated for impairment	4,910	7,116
Loans collectively evaluated for impairment	95,113	106,127
Total ending loans balance	100,023	113,243
Consumer Portfolio Segment [Member]
Individually evaluated for impairment	119
Collectively evaluated for impairment	1,528	1,896
Total ending allowance balance	1,647	1,896	$ 2,027	$ 1,538
Loans individually evaluated for impairment	487
Loans collectively evaluated for impairment	139,875	143,370
Total ending loans balance	$ 140,362	$ 143,370

Note C - Loans and Allowance _7

Note C - Loans and Allowance for Loan Losses - Loans Individually Evaluated for Impairment (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Allowance for Loan Losses Allocated	$ 807	$ 98	$ 94
Unpaid principal balance	17,454	14,376	19,917
Recorded investment	17,135	12,618	18,108
Average impaired loans	15,153	11,067	15,958
Interest income recognized	1,288	748	855
Cash basis interest recognized	1,288	748	855
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Unpaid principal balance - with allowance recorded	2,030
Recorded investment - with allowance recorded	2,030
Allowance for Loan Losses Allocated	385
Average impaired loans - with allowance recorded	1,375
Interest income recognized - with allowance recorded	197
Cash basis interest recognized - with allowance recorded	197
Unpaid principal balance - with no allowance recorded	1,778	2,527	3,427
Recorded investment - with no allowance recorded	1,778		3,427
Average impaired loans - with no allowance recorded	1,902	2,475	2,456
Interest income recognized - with no allowance recorded	113	141	184
Cash basis interest recognized - with no allowance recorded	113	141	184
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Unpaid principal balance - with allowance recorded		362	372
Recorded investment - with allowance recorded		362	372
Allowance for Loan Losses Allocated		98	94
Average impaired loans - with allowance recorded		367	378
Interest income recognized - with allowance recorded		15	17
Cash basis interest recognized - with allowance recorded		15	17
Unpaid principal balance - with no allowance recorded	7,492	2,368	4,989
Recorded investment - with no allowance recorded	7,492	946	3,534
Average impaired loans - with no allowance recorded	6,160	1,912	3,521
Interest income recognized - with no allowance recorded	477	57	81
Cash basis interest recognized - with no allowance recorded	477	57	81
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Unpaid principal balance - with no allowance recorded	319	336	352
Recorded investment - with no allowance recorded
Average impaired loans - with no allowance recorded
Interest income recognized - with no allowance recorded	20	20	19
Cash basis interest recognized - with no allowance recorded	20	20	19
Commercial and Industrial Portfolio Segment [Member]
Unpaid principal balance - with allowance recorded	4,861
Recorded investment - with allowance recorded	4,861
Allowance for Loan Losses Allocated	303
Average impaired loans - with allowance recorded	4,796
Interest income recognized - with allowance recorded	319
Cash basis interest recognized - with allowance recorded	319
Unpaid principal balance - with no allowance recorded	49	7,116	9,154
Recorded investment - with no allowance recorded	49		9,154
Average impaired loans - with no allowance recorded	300	5,802	8,544
Interest income recognized - with no allowance recorded	111	414	481
Cash basis interest recognized - with no allowance recorded	111	414	481
Residential Portfolio Segment [Member]
Unpaid principal balance - with no allowance recorded	438	1,667	1,420
Recorded investment - with no allowance recorded	438		1,420
Average impaired loans - with no allowance recorded	453	511	851
Interest income recognized - with no allowance recorded	23	101	66
Cash basis interest recognized - with no allowance recorded	23	$ 101	66
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Unpaid principal balance - with allowance recorded	8
Recorded investment - with allowance recorded	8
Allowance for Loan Losses Allocated	8
Average impaired loans - with allowance recorded	2
Interest income recognized - with allowance recorded
Cash basis interest recognized - with allowance recorded
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Unpaid principal balance - with allowance recorded	111
Recorded investment - with allowance recorded	111
Allowance for Loan Losses Allocated	111
Average impaired loans - with allowance recorded	22
Interest income recognized - with allowance recorded	9
Cash basis interest recognized - with allowance recorded	9
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Unpaid principal balance - with no allowance recorded	368		203
Recorded investment - with no allowance recorded	368		201
Average impaired loans - with no allowance recorded	143		208
Interest income recognized - with no allowance recorded	19		7
Cash basis interest recognized - with no allowance recorded	$ 19		$ 7

Note C - Loans and Allowance _8

Note C - 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, 2019	Dec. 31, 2018
Loans past due 90 days and still accruing	$ 889	$ 1,067
Nonaccrual	9,149	8,677
Residential Portfolio Segment [Member]
Loans past due 90 days and still accruing	255	19
Nonaccrual	6,119	6,661
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans past due 90 days and still accruing
Nonaccrual	863	470
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans past due 90 days and still accruing		362
Nonaccrual	804	574
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans past due 90 days and still accruing		66
Nonaccrual	229	416
Commercial and Industrial Portfolio Segment [Member]
Loans past due 90 days and still accruing		31
Nonaccrual	590	228
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due 90 days and still accruing	239	270
Nonaccrual	61	59
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans past due 90 days and still accruing		91
Nonaccrual	392	183
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due 90 days and still accruing	395	228
Nonaccrual	$ 91	$ 86

Note C - Loans and Allowance _9

Note C - Loans and Allowance for Loan Losses - Past Due Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans past due	$ 13,638	$ 12,190
Loans, current	759,136	764,862
Loans	772,774	777,052
Residential Portfolio Segment [Member]
Loans past due	7,111	6,194
Loans, current	303,142	297,885
Loans	310,253	304,079
Commercial Real Estate Portfolio Segment [Member]
Loans	222,136	216,360
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans past due	586	427
Loans, current	55,239	61,267
Loans	55,825	61,694
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans past due	709	1,046
Loans, current	130,689	116,142
Loans	131,398	117,188
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans past due	254	296
Loans, current	34,659	37,182
Loans	34,913	37,478
Commercial and Industrial Portfolio Segment [Member]
Loans past due	1,873	730
Loans, current	98,150	112,513
Loans	100,023	113,243
Consumer Portfolio Segment [Member]
Loans	140,362	143,370
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due	1,561	1,862
Loans, current	62,209	68,364
Loans	63,770	70,226
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans past due	403	523
Loans, current	22,479	21,989
Loans	22,882	22,512
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due	1,141	1,112
Loans, current	52,569	49,520
Loans	53,710	50,632
Financial Asset, 30 to 59 Days Past Due [Member]
Loans past due	7,567	6,476
Financial Asset, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans past due	4,015	3,369
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans past due	383	298
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans past due	12	299
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans past due	186	31
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial and Industrial Portfolio Segment [Member]
Loans past due	1,320	428
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due	986	1,287
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans past due	106	171
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due	559	593
Financial Asset, 60 to 89 Days Past Due [Member]
Loans past due	2,190	2,044
Financial Asset, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans past due	1,314	1,183
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans past due	59
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans past due
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans past due	19
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial and Industrial Portfolio Segment [Member]
Loans past due	312	192
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due	329	286
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans past due	18	92
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due	139	291
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans past due	3,881	3,670
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans past due	1,782	1,642
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans past due	144	129
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans past due	697	747
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans past due	49	265
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial and Industrial Portfolio Segment [Member]
Loans past due	241	110
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due	246	289
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans past due	279	260
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due	$ 443	$ 228

Note C - Loans and Allowance_10

Note C - Loans and Allowance for Loan Losses - TDR Loan Modifications (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Troubled Debt Restructuring	$ 8,552	$ 8,634
Residential Portfolio Segment [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring	209	216
Residential Portfolio Segment [Member] | Extended Maturity [Member]
Troubled Debt Restructuring	393
Residential Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member]
Troubled Debt Restructuring	393
Commercial Real Estate Portfolio Segment [Member] | Interest Only Payments [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring	882	968
Commercial Real Estate Portfolio Segment [Member] | Interest Only Payments [Member] | Commercial Real Estate Nonowner Occupied [Member]
Troubled Debt Restructuring	4,574	385
Commercial Real Estate Portfolio Segment [Member] | Reduction of Principal and Interest Payments [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring	1,521	529
Commercial Real Estate Portfolio Segment [Member] | Extended Maturity [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring		469
Commercial Real Estate Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring		402
Commercial Real Estate Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member] | Commercial Real Estate Nonowner Occupied [Member]
Troubled Debt Restructuring	395
Commercial Real Estate Portfolio Segment [Member] | Contractual Interest Rate Reduction [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring		362
Commercial and Industrial Portfolio Segment [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring		4,742
Commercial and Industrial Portfolio Segment [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring	185
Commercial and Industrial Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member]
Troubled Debt Restructuring		561
Performing Financial Instruments [Member]
Troubled Debt Restructuring	8,552	7,887
Performing Financial Instruments [Member] | Residential Portfolio Segment [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring	209	216
Performing Financial Instruments [Member] | Residential Portfolio Segment [Member] | Extended Maturity [Member]
Troubled Debt Restructuring	393
Performing Financial Instruments [Member] | Residential Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member]
Troubled Debt Restructuring	393
Performing Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Interest Only Payments [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring	882	968
Performing Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Interest Only Payments [Member] | Commercial Real Estate Nonowner Occupied [Member]
Troubled Debt Restructuring	4,574
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	1,521	529
Performing Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Extended Maturity [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring		469
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		402
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	395
Performing Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Contractual Interest Rate Reduction [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring
Performing Financial Instruments [Member] | Commercial and Industrial Portfolio Segment [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring		4,742
Performing Financial Instruments [Member] | Commercial and Industrial Portfolio Segment [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring	$ 185
Performing Financial Instruments [Member] | Commercial and Industrial Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member]
Troubled Debt Restructuring		561
Nonperforming Financial Instruments [Member]
Troubled Debt Restructuring		747
Nonperforming Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Interest Only Payments [Member] | Commercial Real Estate Nonowner Occupied [Member]
Troubled Debt Restructuring		385
Nonperforming Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Contractual Interest Rate Reduction [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring		$ 362

Note C - Loans and Allowance_11

Note C - Loans and Allowance for Loan Losses - TDRs Pre-modification and Post-modification (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)	Dec. 31, 2018	Dec. 31, 2017USD ($)
Number of Loans	2	0	2
Performing Financial Instruments [Member]
Pre-modification recorded investment	$ 1,235		$ 1,409
Post-modification recorded investment	1,235		1,409
Nonperforming Financial Instruments [Member]
Pre-modification recorded investment
Post-modification recorded investment
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Reduction of Principal and Interest Payments [Member]
Number of Loans	1
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Reduction of Principal and Interest Payments [Member] | Performing Financial Instruments [Member]
Pre-modification recorded investment	$ 1,036
Post-modification recorded investment	1,036
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Reduction of Principal and Interest 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 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 and Industrial Portfolio Segment [Member] | Reduction of Principal and Interest Payments [Member]
Number of Loans	1
Commercial and Industrial Portfolio Segment [Member] | Reduction of Principal and Interest Payments [Member] | Performing Financial Instruments [Member]
Pre-modification recorded investment	$ 199
Post-modification recorded investment	199
Commercial and Industrial Portfolio Segment [Member] | Reduction of Principal and Interest Payments [Member] | Nonperforming Financial Instruments [Member]
Pre-modification recorded investment
Post-modification recorded investment

Note C - Loans and Allowance_12

Note C - Loans and Allowance for Loan Losses - Risk Category of Commercial Loans by Class of Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans receivable	$ 772,774	$ 777,052
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	222,136	216,360
Commercial and Industrial Portfolio Segment [Member]
Loans receivable	100,023	113,243
Commercial Portfolio Segment [Member]
Loans receivable	322,159	329,603
Commercial Real Estate Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	55,825	61,694
Commercial Real Estate Nonowner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	131,398	117,188
Construction Loans [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	34,913	37,478
Pass [Member] | Commercial and Industrial Portfolio Segment [Member]
Loans receivable	89,749	92,417
Pass [Member] | Commercial Portfolio Segment [Member]
Loans receivable	297,946	295,382
Pass [Member] | Commercial Real Estate Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	49,486	50,474
Pass [Member] | Commercial Real Estate Nonowner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	123,847	115,170
Pass [Member] | Construction Loans [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	34,864	37,321
Criticized [Member] | Commercial and Industrial Portfolio Segment [Member]
Loans receivable	298	6,536
Criticized [Member] | Commercial Portfolio Segment [Member]
Loans receivable	3,187	14,260
Criticized [Member] | Commercial Real Estate Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	2,889	7,724
Criticized [Member] | Commercial Real Estate Nonowner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable
Criticized [Member] | Construction Loans [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable
Classified [Member] | Commercial and Industrial Portfolio Segment [Member]
Loans receivable	9,976	14,290
Classified [Member] | Commercial Portfolio Segment [Member]
Loans receivable	21,026	19,961
Classified [Member] | Commercial Real Estate Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	3,450	3,496
Classified [Member] | Commercial Real Estate Nonowner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	7,551	2,018
Classified [Member] | Construction Loans [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	$ 49	$ 157

Note C - Loans and Allowance_13

Note C - Loans and Allowance for Loan Losses - Recorded Investment of Residential and Consumer Loans (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Loans receivable	$ 772,774	$ 777,052
Consumer Portfolio Segment [Member]
Loans receivable	140,362	143,370
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans receivable	63,770	70,226
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	22,882	22,512
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans receivable	53,710	50,632
Residential Portfolio Segment [Member]
Loans receivable	310,253	304,079
Consumer and Residential Portfolio Segment [Member]
Loans receivable	450,615	447,449
Performing Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans receivable	63,470	69,897
Performing Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	22,490	22,238
Performing Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans receivable	53,224	50,318
Performing Financial Instruments [Member] | Residential Portfolio Segment [Member]
Loans receivable	303,879	297,399
Performing Financial Instruments [Member] | Consumer and Residential Portfolio Segment [Member]
Loans receivable	443,063	439,852
Nonperforming Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans receivable	300	329
Nonperforming Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	392	274
Nonperforming Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans receivable	486	314
Nonperforming Financial Instruments [Member] | Residential Portfolio Segment [Member]
Loans receivable	6,374	6,680
Nonperforming Financial Instruments [Member] | Consumer and Residential Portfolio Segment [Member]
Loans receivable	$ 7,552	$ 7,597

Note D - Premises and Equipme_3

Note D - Premises and Equipment - Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Land	$ 2,633	$ 2,744
Buildings	20,890	16,154
Leasehold improvements	1,267	1,267
Furniture and equipment	6,847	6,039
	31,637	26,204
Less accumulated depreciation	12,420	11,349
Total premises and equipment	$ 19,217	$ 14,855

Note D - Premises and Equipme_4

Note D - Premises and Equipment - Premises and Equipment Held For Sale (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Land	$ 153
Buildings	563
	716
Less accumulated depreciation	63
Total premises and equipment held for sale	$ 653

Note E - Leases (Details Textua

Note E - Leases (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2019	Jan. 01, 2019	Dec. 31, 2018
Finance Lease, Liability, Total	$ 0
Operating Lease, Right-of-Use Asset	$ 1,053
Accounting Standards Update 2016-02 [Member]
Operating Lease, Right-of-Use Asset		$ 1,280
Minimum [Member]
Lessee, Operating Lease, Term of Contract	120 days
Maximum [Member]
Lessee, Operating Lease, Term of Contract	17 years 182 days
Lessee, Operating Lease, Renewal Term	15 years

Note E - Leases - Lease Cost an

Note E - Leases - Lease Cost and Information (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Operating lease right-of-use assets	$ 1,053
Total operating leases	1,053
Operating lease cost	282
Short-term lease expense	$ 52
Weighted-average remaining lease term for operating leases (in years) (Year)	10 years 219 days
Weighted-average discount rate for operating leases	2.76%

Note E - Leases - Operating Lea

Note E - Leases - Operating Lease Maturities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
2020	$ 180
2021	157
2022	157
2023	116
2024	95
Thereafter	546
Total lease payments	1,251
Less: Imputed Interest	(198)
Total operating leases	$ 1,053

Note F - Goodwill and Intangi_3

Note F - Goodwill and Intangible Assets (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Goodwill, Impairment Loss	$ 0	$ 0
Amortization of Intangible Assets, Total	$ 206	$ 135	$ 156

Note F - Goodwill and Intangi_4

Note F - Goodwill and Intangible Assets - Goodwill (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Beginning of year	$ 7,371	$ 7,371	$ 7,801
Acquired goodwill
Impairment	0	0
Finalization of Milton branch sale	(52)
Finalization of Milton acquisition accounting			(430)
End of year	$ 7,319	$ 7,371	$ 7,371

Note F - Goodwill and Intangi_5

Note F - Goodwill and Intangible Assets - Intangible Assets (Details) - Core Deposits [Member] - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Gross Carrying Amount	$ 738	$ 738
Accumulated Amortization	$ 564	$ 359

Note F - Goodwill and Intangi_6

Note F - Goodwill and Intangible Assets - Future Estimated Amortization Expense (Details) $ in Thousands	Dec. 31, 2019USD ($)
2020	$ 62
2021	48
2022	35
2023	21
2024	8
Total	$ 174

Note G - Deposits (Details Text

Note G - Deposits (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Interest-bearing Domestic Deposit, Brokered	$ 25,797	$ 30,838

Note G - Deposits - Interest-Be

Note G - Deposits - Interest-Bearing Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
NOW accounts	$ 158,434	$ 155,166
Savings and Money Market	230,672	237,868
In denominations of $250,000 or less	175,334	178,736
In denominations of more than $250,000	34,424	37,113
Total	209,758	215,849
Total interest-bearing deposits	$ 598,864	$ 608,883

Note G - Deposits - Time Deposi

Note G - Deposits - Time Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
2020	$ 116,666
2021	58,585
2022	22,833
2023	9,077
2024	1,978
Thereafter	619
Total	$ 209,758	$ 215,849

Note H - Interest Rate Swaps (D

Note H - Interest Rate Swaps (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Deposit Assets, Total	$ 750	$ 350
Interest Rate Swap [Member]
Derivative Asset, Notional Amount	7,633	9,219
Interest Rate Derivative Instruments Not Designated as Hedging Instruments at Fair Value, Net, Total	$ 459	$ 101

Note I - Other Borrowed Funds_2

Note I - Other Borrowed Funds (Details Textual) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Federal Home Loan Bank, Advances, Maturities Summary, Fixed Rate, Total	$ 29,758
Federal Home Loan Bank, Advances, Maturities Summary, Floating Rate, Total	0
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available	205,559
Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds	119,302
Notes Payable to Bank, Total	405
Director [Member]
Notes Payable, Related Parties	$ 3,558
Promissory Notes [Member]
Debt, Weighted Average Interest Rate	2.73%	2.83%
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	$ 56,500	$ 51,700
Minimum [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Interest Rate	1.53%
Minimum [Member] | Promissory Notes [Member]
Debt Instrument, Interest Rate, Stated Percentage	2.00%
Maximum [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Interest Rate	3.31%
Maximum [Member] | Promissory Notes [Member]
Debt Instrument, Interest Rate, Stated Percentage	4.09%
Weighted Average [Member]
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Interest Rate	2.39%	2.36%
FHLB Stock [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	$ 5,365
Residential Real Estate [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	301,244
Commercial Loans [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	$ 69,683

Note I - Other Borrowed Funds -

Note I - Other Borrowed Funds - Other Borrowed Funds (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Other borrowed funds	$ 33,991	$ 39,713
Federal Home Loan Bank Advances [Member]
Other borrowed funds	29,758	33,434
Promissory Notes [Member]
Other borrowed funds	$ 4,233	$ 6,279

Note I - Other Borrowed Funds_3

Note I - Other Borrowed Funds - Scheduled Principal Payments (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
2020	$ 7,322
2021	3,633
2022	2,841
2023	2,705
2024	2,301
Thereafter	15,189
	33,991	$ 39,713
Federal Home Loan Bank Advances [Member]
2020	3,722
2021	3,000
2022	2,841
2023	2,705
2024	2,301
Thereafter	15,189
	29,758	33,434
Promissory Notes [Member]
2020	3,600
2021	633
2022
2023
2024
Thereafter
	$ 4,233	$ 6,279

Note J - Subordinated Debentu_2

Note J - Subordinated Debentures and Trust Preferred Securities (Details Textual) - USD ($) $ in Thousands	Mar. 15, 2012	Mar. 22, 2007	Dec. 31, 2019	Dec. 31, 2018
Proceeds from Issuance of Trust Preferred Securities		$ 8,500
Trust Preferred Securities, Interest Rate		6.58%	3.57%	4.47%
Debt Issuance Costs, Net, Total			$ 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, 2019
Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent	21.00%	34.00%
Income Tax Expense (Benefit), Continuing Operations, Adjustment of Deferred Tax (Asset) Liability		$ 1,783
Operating Loss Carryforwards, Total			$ 550
Effective Income Tax Rate Reconciliation, Percent, Total		34.00%
Unrecognized Tax Benefits, Ending Balance	$ 0		$ 0

Note K - Income Taxes - Provisi

Note K - Income Taxes - Provision for Income Taxes (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Current tax expense	$ 1,446	$ 2,389	$ 2,579
Deferred tax (benefit) expense	367	(134)	1,907
Total income taxes	$ 1,813	$ 2,255	$ 4,486

Note K - Income Taxes - Deferre

Note K - Income Taxes - Deferred Tax Assets and Deferred Tax Liabilities (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Allowance for loan losses	$ 1,364	$ 1,463
Unrealized loss on securities available for sale		568
Deferred compensation	1,700	1,580
Deferred loan fees/costs	110	119
Other real estate owned	4	434
Accrued bonus	204	280
Purchase accounting adjustments	24	61
Net operating loss	115	132
Lease liability	274
Other	346	257
Mortgage servicing rights	(77)	(80)
FHLB stock dividends	(676)	(676)
Unrealized gain on securities available for sale	(140)
Prepaid expenses	(182)	(191)
Depreciation and amortization	(579)	(656)
Right-of-use asset	(274)
Other		(3)
Net deferred tax asset	$ 2,213	$ 3,288

Note K - Income Taxes - Income

Note K - Income Taxes - Income Tax Reconciliation (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Statutory tax	$ 2,461	$ 2,982	$ 4,078
Effect of nontaxable insurance premiums	(212)	(218)	(303)
Effect of postretirement benefits	54	20	(78)
Effect of nontaxable life insurance death proceeds			(175)
Impact from TCJA			1,783
Effect of state income tax	100	33	70
Tax credits	(145)	(217)	(191)
Milton Merger Costs			4
Other items	32	149	42
Total income taxes	1,813	2,255	4,486
Nontaxable Interest Income [Member]
Effect of nontaxable income	(336)	(352)	(514)
Bank Owned Insurance Income [Member]
Effect of nontaxable income	$ (141)	$ (142)	$ (230)

Note L - Commitments and Cont_3

Note L - Commitments and Contingent Liabilities (Details Textual) - Fixed Rate Commitments [Member]	Dec. 31, 2019
Minimum [Member]
Debt Instrument, Interest Rate, Stated Percentage	3.375%
Long-term Debt, Term	15 years
Maximum [Member]
Debt Instrument, Interest Rate, Stated Percentage	6.25%
Long-term Debt, Term	30 years

Note L - Commitments and Cont_4

Note L - Commitments and Contingent Liabilities - Commitments (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Standby Letters of Credit [Member]
Other commitment	$ 3,957	$ 4,325
Fixed Rate Commitments [Member]
Other commitment	660	121
Variable Rate Commitments [Member]
Other commitment	$ 70,561	$ 66,580

Note M - Related Party Transa_3

Note M - Related Party Transactions (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Minimum Related Party Loan		$ 120
Related Party Deposit Liabilities	$ 47,911	52,877
Promissory Note Payable To Directors and Affiliates [Member] | Minimum [Member]
Debt Instrument, Interest Rate, Stated Percentage	1.50%
Debt Instrument, Term	300 days
Promissory Note Payable To Directors and Affiliates [Member] | Maximum [Member]
Debt Instrument, Interest Rate, Stated Percentage	2.85%
Debt Instrument, Term	3 years
Directors and their Affiliates [Member]
Notes Payable, Related Parties	$ 3,558	$ 3,558

Note M - Related Party Transa_4

Note M - Related Party Transactions - Related Party Loans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2019USD ($)
Total loans at January 1, 2019	$ 3,674
New loans	890
Repayments	(391)
Other changes	(199)
Total loans at December 31, 2019	$ 3,974

Note N - Employee Benefits (Det

Note N - Employee Benefits (Details Textual) - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Employee Stock Ownership Plan (ESOP), Shares in ESOP, Total	365,274	360,669
Cash Surrender Value of Life Insurance	$ 28,481
Deferred Compensation Plan Assets	2,115
Defined Benefit Plan, Expected Future Benefit Payment, Next Twelve Months	7,815	$ 7,267
Defined Benefit Plan, Benefit Obligation, Ending Balance	3,130	2,873
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 Employee Retirement Plan [Member]
Defined Contribution Plan, Cost	627	602	490
Deferred Profit Sharing [Member]
Deferred Compensation Arrangement with Individual, Contributions by Employer	$ 264	$ 352	$ 340

Note N - Employee Benefits - Em

Note N - Employee Benefits - Employee Stock Ownership Plan (ESOP) (Details) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Number of shares issued (in shares)	8,333	7,294	15,118
Fair value of stock contributed	$ 328	$ 295	$ 428
Cash contributed	500	500	250
Total expense	$ 828	$ 795	$ 678

Note O - Fair Value of Financ_3

Note O - Fair Value of Financial Instruments (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Selling Costs, Percentage	10.00%
Impaired Financing Receivable, Related Allowance	$ 807	$ 98	$ 94
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down	0		$ 0
Other Real Estate, Ending Balance		228
Other Real Estate, Gross		2,217
Real Estate Owned, Valuation Allowance, Ending Balance		1,989
SEC Schedule, 12-28, Real Estate Companies, Investment in Real Estate, Write-down or Reserve, Amount		594
Collateral Dependent Loans [Member]
Impaired Financing Receivable, with Related Allowance, Recorded Investment	7,010	362
Impaired Financing Receivable, Related Allowance	807	98
Financing Receivable, Credit Loss, Expense (Reversal)	$ 807	4
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down		$ 0

Note O - Fair Value of Financ_4

Note O - Fair Value of Financial Instruments - Assets and Liabilities Measured at Fair Value on a Recurring and Nonrecurring Basis (Details) - USD ($)	Dec. 31, 2019	Dec. 31, 2018
Fair Value, Inputs, Level 1 [Member] | Fair Value, Recurring [Member] | Interest Rate Swap [Member] | Derivative Financial Instruments, Liabilities [Member]
Liabilities, fair value
Fair Value, Inputs, Level 1 [Member] | US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Recurring [Member]
Assets, fair value
Fair Value, Inputs, Level 1 [Member] | Impaired Loans [Member] | Fair Value, Nonrecurring [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Assets, fair value
Fair Value, Inputs, Level 1 [Member] | Impaired Loans [Member] | Fair Value, Nonrecurring [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Assets, fair value
Fair Value, Inputs, Level 1 [Member] | Impaired Loans [Member] | Fair Value, Nonrecurring [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Assets, fair value
Fair Value, Inputs, Level 1 [Member] | Impaired Loans [Member] | Fair Value, Nonrecurring [Member] | Commercial and Industrial Portfolio Segment [Member]
Assets, fair value
Fair Value, Inputs, Level 1 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Fair Value, Recurring [Member]
Assets, fair value
Fair Value, Inputs, Level 1 [Member] | Derivative Financial Instruments, Assets [Member] | Fair Value, Recurring [Member] | Interest Rate Swap [Member]
Assets, fair value
Fair Value, Inputs, Level 2 [Member] | Fair Value, Recurring [Member] | Interest Rate Swap [Member] | Derivative Financial Instruments, Liabilities [Member]
Liabilities, fair value	(465,000)	(101,000)
Fair Value, Inputs, Level 2 [Member] | US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Recurring [Member]
Assets, fair value	16,736,000	16,630,000
Fair Value, Inputs, Level 2 [Member] | Impaired Loans [Member] | Fair Value, Nonrecurring [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Assets, fair value
Fair Value, Inputs, Level 2 [Member] | Impaired Loans [Member] | Fair Value, Nonrecurring [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Assets, fair value
Fair Value, Inputs, Level 2 [Member] | Impaired Loans [Member] | Fair Value, Nonrecurring [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Assets, fair value		228,000
Fair Value, Inputs, Level 2 [Member] | Impaired Loans [Member] | Fair Value, Nonrecurring [Member] | Commercial and Industrial Portfolio Segment [Member]
Assets, fair value
Fair Value, Inputs, Level 2 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Fair Value, Recurring [Member]
Assets, fair value	88,582,000	85,534,000
Fair Value, Inputs, Level 2 [Member] | Derivative Financial Instruments, Assets [Member] | Fair Value, Recurring [Member] | Interest Rate Swap [Member]
Assets, fair value	465,000	101,000
Fair Value, Inputs, Level 3 [Member] | Fair Value, Recurring [Member] | Interest Rate Swap [Member] | Derivative Financial Instruments, Liabilities [Member]
Liabilities, fair value
Fair Value, Inputs, Level 3 [Member] | US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Recurring [Member]
Assets, fair value
Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member] | Fair Value, Nonrecurring [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Assets, fair value		264,000
Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member] | Fair Value, Nonrecurring [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Assets, fair value	1,664,000
Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member] | Fair Value, Nonrecurring [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Assets, fair value
Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member] | Fair Value, Nonrecurring [Member] | Commercial and Industrial Portfolio Segment [Member]
Assets, fair value	4,559
Fair Value, Inputs, Level 3 [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Fair Value, Recurring [Member]
Assets, fair value
Fair Value, Inputs, Level 3 [Member] | Derivative Financial Instruments, Assets [Member] | Fair Value, Recurring [Member] | Interest Rate Swap [Member]
Assets, fair value

Note O - Fair Value of Financ_5

Note O - Fair Value of Financial Instruments - Level 3 Fair Value Measurements (Details) - Fair Value, Nonrecurring [Member] - Valuation, Market Approach [Member] $ in Thousands	Dec. 31, 2019USD ($)	Dec. 31, 2018USD ($)
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Impaired Loans, Fair Value	$ 1,644
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Measurement Input, Comparability Adjustment [Member] | Minimum [Member]
Unobservable input	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Measurement Input, Comparability Adjustment [Member] | Maximum [Member]
Unobservable input	20
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member] | Measurement Input, Comparability Adjustment [Member] | Weighted Average [Member]
Unobservable input	9.7
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Impaired Loans, Fair Value		$ 264
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Measurement Input, Comparability Adjustment [Member] | Minimum [Member]
Unobservable input		0.068
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Measurement Input, Comparability Adjustment [Member] | Maximum [Member]
Unobservable input		0.667
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member] | Measurement Input, Comparability Adjustment [Member] | Weighted Average [Member]
Unobservable input		0.18
Commercial and Industrial Portfolio Segment [Member]
Impaired Loans, Fair Value	$ 4,559
Commercial and Industrial Portfolio Segment [Member] | Measurement Input, Comparability Adjustment [Member] | Minimum [Member]
Unobservable input	0
Commercial and Industrial Portfolio Segment [Member] | Measurement Input, Comparability Adjustment [Member] | Maximum [Member]
Unobservable input	61
Commercial and Industrial Portfolio Segment [Member] | Measurement Input, Comparability Adjustment [Member] | Weighted Average [Member]
Unobservable input	10.3

Note O - Fair Value of Financ_6

Note O - Fair Value of Financial Instruments - Fair Value Measurements (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018
Securities held to maturity	$ 12,404	$ 16,234
Reported Value Measurement [Member]
Cash and cash equivalents	52,356	71,180
Certificates of deposit in financial institutions	2,360	2,065
Securities available for sale	105,318	102,164
Securities held to maturity	12,033	15,816
Loans, net	766,502	770,324
Interest rate swap derivatives	465	101
Accrued interest receivable	2,564	2,638
Deposits	821,471	846,704
Other borrowed funds	33,991	39,713
Subordinated debentures	8,500	8,500
Interest rate swap derivatives	465	101
Accrued interest payable	1,589	1,255
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	52,356	71,180
Certificates of deposit in financial institutions	2,360	2,065
Securities available for sale	105,318	102,164
Securities held to maturity	12,404	16,234
Loans, net	771,285	766,784
Interest rate swap derivatives	465	101
Accrued interest receivable	2,564	2,638
Deposits	822,544	845,414
Other borrowed funds	34,345	37,644
Subordinated debentures	6,275	7,054
Interest rate swap derivatives	465	101
Accrued interest payable	1,589	1,255
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	52,356	71,180
Certificates of deposit in financial institutions
Securities available for sale
Securities held to maturity
Loans, net
Interest rate swap derivatives
Accrued interest receivable
Deposits	222,607	237,821
Other borrowed funds
Subordinated debentures
Interest rate swap derivatives
Accrued interest payable	3	3
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Cash and cash equivalents
Certificates of deposit in financial institutions	2,360	2,065
Securities available for sale	105,318	102,164
Securities held to maturity	6,446	7,625
Loans, net
Interest rate swap derivatives	465	101
Accrued interest receivable	315	312
Deposits	599,937	607,593
Other borrowed funds	34,345	37,644
Subordinated debentures	6,275	7,054
Interest rate swap derivatives	465	101
Accrued interest payable	1,586	1,252
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
Securities held to maturity	5,958	8,609
Loans, net	771,285	766,784
Interest rate swap derivatives
Accrued interest receivable	2,249	2,326
Deposits
Other borrowed funds
Subordinated debentures
Interest rate swap derivatives
Accrued interest payable

Note P - Regulatory Matters (De

Note P - Regulatory Matters (Details Textual) - USD ($) $ in Thousands	Jan. 01, 2020	Jan. 01, 2019	Jan. 01, 2016
Capital Conservation Buffer		2.50%
Capital Conservation Buffer Phase In Amount			0.625%
Subsequent Event [Member]
Statutory Accounting Practices, Statutory Amount Available for Dividend Payments, Total	$ 15,042

Note P - Regulatory Matters - C

Note P - Regulatory Matters - Capital Requirements (Details) - USD ($) $ in Thousands		Dec. 31, 2019	Dec. 31, 2018
Total capital		$ 134,930	$ 127,487
Total capital to risk weighted assets		18.70%	17.70%
Total capital for capital adequacy		8.00%	8.00%
Total capital for well capitalized to risk weighted assets	[1]	10.00%	10.00%
Common equity tier 1		$ 120,158	$ 112,259
Common equity tier 1 capital to risk weighted assets		16.60%	15.60%
Common equity tier 1 capital for capital adequacy		4.50%	4.50%
Tier 1 capital		$ 128,658	$ 120,759
Tier 1 capital to risk weighted assets		17.80%	16.70%
Teir 1 capital for capital adequacy		6.00%	6.00%
Tier 1 capital for well capitalized to risk weighted assets	[1]	6.00%	6.00%
Tier 1 capital average		$ 128,658	$ 120,759
Tier 1 capital average to risk weighted assets		12.50%	11.80%
Teir 1 capital average for capital adequacy		4.00%	4.00%
Bank [Member]
Total capital		$ 120,716	$ 114,947
Total capital to risk weighted assets		17.00%	16.20%
Total capital for capital adequacy		8.00%	8.00%
Total capital for well capitalized to risk weighted assets	[1]	10.00%	10.00%
Common equity tier 1		$ 114,772	$ 108,547
Common equity tier 1 capital to risk weighted assets		16.10%	15.30%
Common equity tier 1 capital for capital adequacy		4.50%	4.50%
Common equity Tier 1 capital for well capitalized to risk weighted assets	[1]	6.50%	6.50%
Tier 1 capital		$ 114,772	$ 108,547
Tier 1 capital to risk weighted assets		16.10%	15.30%
Teir 1 capital for capital adequacy		6.00%	6.00%
Tier 1 capital for well capitalized to risk weighted assets	[1]	8.00%	8.00%
Tier 1 capital average		$ 114,772	$ 108,547
Tier 1 capital average to risk weighted assets		11.30%	10.70%
Teir 1 capital average for capital adequacy		4.00%	4.00%
Tier 1 capital average for well capitalized to average assets	[1]	5.00%	5.00%
[1]	For the Company, these amounts would be required for the Company to engage in activities permissible only for a bank holding company that meets the financial holding company requirements if the Company were not subject to the SBHCP. 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 _3

Note Q - Parent Company Only Condensed Financial Information - Condensed Statements of Condition (Details) - USD ($) $ in Thousands	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Cash and cash equivalents	$ 52,356	$ 71,180	$ 74,573	$ 40,166
Other assets	5,081	6,373
Total assets	1,013,272	1,030,493	1,026,290
Subordinated debentures	8,500	8,500
Total liabilities	885,093	912,619
Total shareholders’ equity	128,179	117,874	109,361	104,528
Total liabilities and shareholders’ equity	1,013,272	1,030,493
Parent Company [Member]
Cash and cash equivalents	4,308	4,032	$ 3,292	$ 2,747
Investment in subsidiaries	134,910	126,059
Notes receivable – subsidiaries	1,963	3,000
Other assets	48	93
Total assets	141,229	133,184
Notes payable	4,233	6,279
Subordinated debentures	8,500	8,500
Other liabilities	317	531
Total liabilities	13,050	15,310
Total shareholders’ equity	128,179	117,874
Total liabilities and shareholders’ equity	$ 141,229	$ 133,184

Note Q - Parent Company Only _4

Note Q - Parent Company Only Condensed Financial Information - Condensed Statements of Income (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest on subordinated debentures									$ 356	$ 330	$ 248
Income before income taxes and equity in undistributed earnings of subsidiaries..									11,720	14,199	11,995
Tax expense									1,813	2,255	4,486
Net income	$ 3,498	$ 2,137	$ 3,079	$ 1,193	$ 3,856	$ 1,746	$ 2,976	$ 3,366	9,907	11,944	7,509
Comprehensive Income									12,570	10,860	7,622
Parent Company [Member]
Interest on notes									47	53	51
Dividends from subsidiaries									4,375	4,225	4,400
Interest on notes									139	185	211
Interest on subordinated debentures									356	330	248
Operating expenses									377	351	332
Income before income taxes and equity in undistributed earnings of subsidiaries..									3,550	3,412	3,660
Tax expense									169	164	244
Equity in undistributed earnings of subsidiaries									6,188	8,368	3,605
Net income									9,907	11,944	7,509
Comprehensive Income									$ 12,570	$ 10,860	$ 7,622

Note Q - Parent Company Only _5

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, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash flows from operating activities:
Net income	$ 3,498	$ 2,137	$ 3,079	$ 1,193	$ 3,856	$ 1,746	$ 2,976	$ 3,366	$ 9,907	$ 11,944	$ 7,509
Adjustments to reconcile net income to net cash provided by operating activities:
Common stock issued to ESOP									(328)	(295)	(428)
Change in other assets									1,528	1,996	347
Net cash provided by operating activities									14,753	18,141	14,496
Cash flows from investing activities:
Net cash provided by (used in) investing activities									(83)	(12,726)	(42,180)
Cash flows from financing activities:
Proceeds from common stock through dividend reinvestment									1,407	1,325	715
Cash dividends paid									(4,000)	(3,967)	(3,932)
Net cash provided by (used in) financing activities									(33,494)	(8,808)	62,091
Cash and cash equivalents:
Cash and cash equivalents at beginning of year				71,180				74,573	71,180	74,573	40,166
Cash and cash equivalents at end of year	52,356				71,180				52,356	71,180	74,573
Parent Company [Member]
Cash flows from operating activities:
Net income									9,907	11,944	7,509
Adjustments to reconcile net income to net cash provided by operating activities:
Equity in undistributed earnings of subsidiaries									(6,188)	(8,368)	(3,605)
Common stock issued to ESOP									328	295	428
Change in other assets									45	(26)	(15)
Change in other liabilities									(214)	262	(97)
Net cash provided by operating activities									3,878	4,107	4,220
Cash flows from investing activities:
Cash paid for Milton Bancorp, Inc. acquisition
Change in notes receivable									1,037	320	100
Net cash provided by (used in) investing activities									1,037	320	100
Cash flows from financing activities:
Change in notes payable									(2,046)	(1,045)	(558)
Proceeds from common stock through dividend reinvestment									1,407	1,325	715
Cash dividends paid									(4,000)	(3,967)	(3,932)
Net cash provided by (used in) financing activities									(4,639)	(3,687)	(3,775)
Cash and cash equivalents:
Change in cash and cash equivalents									276	740	545
Cash and cash equivalents at beginning of year				$ 4,032				$ 3,292	4,032	3,292	2,747
Cash and cash equivalents at end of year	$ 4,308				$ 4,032				$ 4,308	$ 4,032	$ 3,292

Note R - Segment Information (D

Note R - Segment Information (Details Textual)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Banking Segment, Percentage of Total Revenues	94.20%	92.90%	92.70%

Note R - Segment Information -

Note R - Segment Information - Segment Reporting (Details) - USD ($) $ in Thousands	3 Months Ended								12 Months Ended
	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Net interest income	$ 10,386	$ 10,626	$ 10,653	$ 11,387	$ 10,813	$ 10,763	$ 10,640	$ 11,510	$ 43,052	$ 43,726	$ 41,733
Provision expense	(1,015)	444	(806)	2,377	(656)	962	(23)	756	1,000	1,039	2,564
Noninterest income	3,210	2,107	2,003	1,846	1,397	1,927	2,538	3,076	9,166	8,938	9,435
Noninterest expense	10,401	9,738	9,791	9,568	8,183	9,761	9,674	9,808	39,498	37,426	36,609
Tax expense									1,813	2,255	4,486
Net income	3,498	$ 2,137	$ 3,079	$ 1,193	3,856	$ 1,746	$ 2,976	$ 3,366	9,907	11,944	7,509
Assets	1,013,272				1,030,493				1,013,272	1,030,493	1,026,290
Banking [Member]
Net interest income									39,865	40,380	38,366
Provision expense									875	850	2,415
Noninterest income									8,989	8,243	8,834
Noninterest expense									37,026	34,841	34,079
Tax expense									1,653	1,990	3,973
Net income									9,300	10,942	6,733
Assets	1,000,315				1,017,902				1,000,315	1,017,902	1,013,386
Consumer Finance [Member]
Net interest income									3,187	3,346	3,367
Provision expense									125	189	149
Noninterest income									177	695	601
Noninterest expense									2,472	2,585	2,530
Tax expense									160	265	513
Net income									607	1,002	776
Assets	$ 12,957				$ 12,591				$ 12,957	$ 12,591	$ 12,904

Note S - Consolidated Quarter_3

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, 2019	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Dec. 31, 2018	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Total interest income	$ 12,255	$ 12,521	$ 12,483	$ 13,058	$ 12,369	$ 12,181	$ 11,938	$ 12,709	$ 50,317	$ 49,197	$ 45,708
Total interest expense	1,869	1,895	1,830	1,671	1,556	1,418	1,298	1,199	7,265	5,471	3,975
Net interest income	10,386	10,626	10,653	11,387	10,813	10,763	10,640	11,510	43,052	43,726	41,733
Provision for loan losses	(1,015)	444	(806)	2,377	(656)	962	(23)	756	1,000	1,039	2,564
Noninterest income	3,210	2,107	2,003	1,846	1,397	1,927	2,538	3,076	9,166	8,938	9,435
Noninterest expense	10,401	9,738	9,791	9,568	8,183	9,761	9,674	9,808	39,498	37,426	36,609
Net income	$ 3,498	$ 2,137	$ 3,079	$ 1,193	$ 3,856	$ 1,746	$ 2,976	$ 3,366	$ 9,907	$ 11,944	$ 7,509
Earnings per share (in dollars per share)	$ 0.73	$ 0.45	$ 0.65	$ 0.25	$ 0.82	$ 0.37	$ 0.63	$ 0.71	$ 2.08	$ 2.53	$ 1.60

Note T - Subsequent Events (Det

Note T - Subsequent Events (Details Textual) - Subsequent Event [Member] $ in Millions	Mar. 10, 2020USD ($)
Litigation Settlement, Amount Awarded from Other Party	$ 2
Litigation Settlement, Period for Bank to Process Taxpayer Refunds	5 years