Ohio Valley Banc (OVBC) 10-Q 11 May 20 2020 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2020	May 08, 2020
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 Emerging Growth Company	false
Entity Small Business	true
Entity Interactive Data Current	Yes
Entity Common Stock, Shares Outstanding (in shares)		4,787,446
Entity Shell Company	false
Document Type	10-Q
Document Period End Date	Mar. 31, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q1
Amendment Flag	false
Title of 12(b) Security	Common Shares, Without Par Value

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and noninterest-bearing deposits with banks	$ 16,023	$ 12,812
Interest-bearing deposits with banks	50,648	39,544
Total cash and cash equivalents	66,671	52,356
Certificates of deposit in financial institutions	2,360	2,360
Securities available for sale	112,191	105,318
Securities held to maturity (estimated fair value: 2020 - $12,115; 2019 - $12,404)	11,808	12,033
Restricted investments in bank stocks	7,506	7,506
Total loans	775,086	772,774
Less: Allowance for loan losses	(8,729)	(6,272)
Net loans	766,357	766,502
Premises and equipment, net	20,970	19,217
Premises and equipment held for sale, net	649	653
Other real estate owned, net	325	540
Accrued interest receivable	2,650	2,564
Goodwill	7,319	7,319
Other intangible assets, net	157	174
Bank owned life insurance and annuity assets	30,813	30,596
Operating lease right-of-use asset, net	998	1,053
Other assets	5,067	5,081
Total assets	1,035,841	1,013,272
LIABILITIES
Noninterest-bearing deposits	213,262	222,607
Interest-bearing deposits	632,617	598,864
Total deposits	845,879	821,471
Other borrowed funds	32,459	33,991
Subordinated debentures	8,500	8,500
Operating lease liability	998	1,053
Accrued liabilities	17,509	20,078
Total liabilities	905,345	885,093
COMMITMENTS AND CONTINGENT LIABILITIES (See Note 5)
SHAREHOLDERS’ EQUITY
Common stock ($1.00 stated value per share, 10,000,000 shares authorized; 2020 - 5,447,185 shares issued; 2019 - 5,447,185 shares issued)	5,447	5,447
Additional paid-in capital	51,165	51,165
Retained earnings	86,748	86,751
Accumulated other comprehensive income	2,848	528
Treasury stock, at cost (659,739 shares)	(15,712)	(15,712)
Total shareholders’ equity	130,496	128,179
Total liabilities and shareholders’ equity	$ 1,035,841	$ 1,013,272

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Securities held to maturity, fair value	$ 12,115	$ 12,404
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	5,447,185
Treasury stock, shares (in shares)	659,739	659,739

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Interest and dividend income:
Loans, including fees	$ 10,873	$ 11,912
Securities
Taxable	597	618
Tax exempt	73	84
Dividends	66	113
Interest-bearing deposits with banks	162	319
Other Interest	14	12
Interest and Dividend Income, Operating, Total	11,785	13,058
Interest expense:
Deposits	1,509	1,342
Other borrowed funds	200	235
Subordinated debentures	72	94
Interest Expense, Total	1,781	1,671
Net interest income	10,004	11,387
Provision for loan losses	3,846	2,377
Net interest income after provision for loan losses	6,158	9,010
Noninterest income:
Income from bank owned life insurance and annuity assets	217	178
Debit / credit card interchange income	943	914
Loss on other real estate owned	(101)
Tax preparation fees	615
Litigation settlement	2,000
Other	117	118
Noninterest Income, Total	4,442	1,846
Noninterest expense:
Salaries and employee benefits	5,455	5,536
Occupancy	432	453
Furniture and equipment	262	263
Professional fees	598	672
Marketing expense	268	270
FDIC insurance		3
Data processing	599	535
Software	381	411
Foreclosed assets	43	106
Amortization of intangibles	17	31
Other	1,464	1,288
Noninterest Expense, Total	9,519	9,568
Income before income taxes	1,081	1,288
Provision for income taxes	79	95
NET INCOME	$ 1,002	$ 1,193
Earnings per share (in dollars per share)	$ 0.21	$ 0.25
Deposit Account [Member]
Noninterest income:
Revenue from Contract with Customer	$ 493	$ 503
Fiduciary and Trust [Member]
Noninterest income:
Revenue from Contract with Customer	68	64
Mortgage Banking [Member]
Noninterest income:
Revenue from Contract with Customer	$ 90	$ 69

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Net income	$ 1,002	$ 1,193
Other comprehensive income:
Change in unrealized gain on available for sale securities	2,937	1,996
Related tax expense	(617)	(419)
Total other comprehensive income, net of tax	2,320	1,577
Total comprehensive income	$ 3,322	$ 2,770

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2018	$ 5,400	$ 49,477	$ 80,844	$ (2,135)	$ (15,712)	$ 117,874
Net income			1,193			1,193
Other comprehensive income, net				1,577		1,577
Cash dividends			(995)			(995)
Common stock issued to ESOP	8	320				328
Common stock issued through dividend reinvestment	10	365				375
Balance at Mar. 31, 2019	5,418	50,162	81,042	(558)	(15,712)	120,352
Balance at Dec. 31, 2019	5,447	51,165	86,751	528	(15,712)	128,179
Net income			1,002			1,002
Other comprehensive income, net				2,320		2,320
Cash dividends			(1,005)			(1,005)
Balance at Mar. 31, 2020	$ 5,447	$ 51,165	$ 86,748	$ 2,848	$ (15,712)	$ 130,496

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Cash dividends, per share (in dollars per share)	$ 0.21	$ 0.21
Common stock issued to ESOP, shares (in shares)		8,333
Common stock issued through dividend reinvestment, shares (in shares)		10,000

Condensed Consolidated Statemen

Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Net cash provided by operating activities:	$ 1,819	$ 1,358
Investing activities:
Proceeds from maturities of securities available for sale	6,310	3,881
Purchases of securities available for sale	(10,287)	(10,035)
Proceeds from maturities of securities held to maturity	215	215
Net change in loans	(3,720)	(4,717)
Proceeds from sale of other real estate owned	147
Purchases of premises and equipment	(2,049)	(1,246)
Net cash (used in) investing activities	(9,384)	(11,902)
Financing activities:
Change in deposits	24,417	15,017
Proceeds from common stock through dividend reinvestment		375
Cash dividends	(1,005)	(995)
Repayment of Federal Home Loan Bank borrowings	(1,383)	(1,508)
Change in other long-term borrowings	(149)	(628)
Net cash provided by financing activities	21,880	12,261
Change in cash and cash equivalents	14,315	1,717
Cash and cash equivalents at beginning of period	52,356	71,180
Cash and cash equivalents at end of period	66,671	72,897
Supplemental disclosure:
Cash paid for interest	1,805	1,434
Transfers from loans to other real estate owned	33	40
Initial recognition of operating lease right-of-use asset		1,280
Operating lease liability arising from obtaining right-of-use asset		$ 1,280

Note 1 - Summary of Significant

Note 1 - Summary of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Significant Accounting Policies [Text Block]	NOTE 1 BASIS OF PRESENTATION : one These interim financial statements are prepared by the Company without audit and reflect all adjustments of a normal recurring nature which, in the opinion of management, are necessary to present fairly the consolidated financial position of the Company at March 31, 2020, three March 31, 2020 not December 31, 2020. not December 31, 2019 The consolidated financial statements for 2019 2020. no RECENT EVENTS: March 2020, 19” 19 may On March 27, 2020, 19. 19 not not 30 December 31, 2019 March 1, 2020 60 19 December 31, 2020. 8 six USE OF ESTIMATES IN THE PREPARATION OF FINANCIAL STATEMENTS: The potential financial impact of COVID- 19 may may ● The provision for loan losses could increase. Continued uncertainty regarding the severity and duration of the COVID- 19 19 ● Valuation and fair value measurement challenges may may INDUSTRY SEGMENT INFORMATION: two EARNINGS PER SHARE : 4,787,446 4,748,474 three March 31, 2020 2019, no no ADOPTION OF NEW ACCOUNTING STANDARD UPDATES (“ASU”): August 2018, 2018 13, no 1 2 3 2018 13 December 15, 2019, December 15, 2019. 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 2 - Fair Value of Financia

Note 2 - Fair Value of Financial Instruments	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Fair Value Disclosures [Text Block]	NOTE 2 – FAIR VALUE OF FINANCIAL INSTRUMENTS Fair value is the exchange price that would be received for an asset or paid to transfer a liability (exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. There are three 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 March 31, 2020 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 ---- $ 16,016 ---- Agency mortgage-backed securities, residential ---- 96,175 ---- Interest rate swap derivatives ---- 985 ---- Interest rate swap derivatives ---- (985 ) ---- 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 ) ---- There were no 1 2 2020 2019. 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 March 31, 2020, Using Assets: Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans: Commercial real estate: Owner-occupied ---- ---- $ 459 Commercial and Industrial ---- ---- 777 Fair Value Measurements at December 31, 2019, Using Assets: Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans: Commercial real estate: Owner-occupied ---- ---- $ 1,644 Commercial and Industrial ---- ---- 4,559 At March 31, 2020, $2,090, $854, $854 three March 31, 2020, no $163 three March 31, 2019, no December 31, 2019, $7,010, $807, $807 December 31, 2019, no There was no March 31, 2020 December 31, 2019. no three March 31, 2020 2019. The following table presents quantitative information about Level 3 March 31, 2020 December 31, 2019: March 31, 2020 Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) Impaired loans: Commercial real estate: Owner-occupied $ 459 Sales approach Adjustment to comparables 10% to 50% 27.8% Commercial and industrial 777 Sales approach Adjustment to comparables 24% to 50% 28.9% March 31, 2020 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% The carrying amounts and estimated fair values of financial instruments at March 31, 2020 December 31, 2019 Fair Value Measurements at March 31, 2020 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 66,671 $ 66,671 $ ---- $ ---- $ 66,671 Certificates of deposit in financial institutions 2,360 ---- 2,360 ---- 2,360 Securities available for sale 112,191 ---- 112,191 ---- 112,191 Securities held to maturity 11,808 ---- 6,420 5,695 12,115 Loans, net 766,357 ---- ---- 761,147 761,147 Interest rate swap derivatives 985 ---- 985 ---- 985 Accrued interest receivable 2,650 ---- 385 2,265 2,650 Financial liabilities: Deposits 845,879 213,262 635,176 ---- 848,438 Other borrowed funds 32,459 ---- 33,792 ---- 33,792 Subordinated debentures 8,500 ---- 5,979 ---- 5,979 Interest rate swap derivatives 985 ---- 985 ---- 985 Accrued interest payable 1,565 1 1,564 ---- 1,565 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 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 3 - Securities

Note 3 - Securities	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	NOTE 3 – SECURITIES The following table summarizes the amortized cost and fair value of securities available for sale and securities held to maturity at March 31, 2020 December 31, 2019 Securities Available for Sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value March 31, 2020 U.S. Government sponsored entity securities $ 15,621 $ 395 $ ---- $ 16,016 Agency mortgage-backed securities, residential 92,965 3,212 (2 ) 96,175 Total securities $ 108,586 $ 3,607 $ (2 ) $ 112,191 December 31, 201 9 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 Securities Held to Maturity Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Estimated Fair Value March 31, 2020 Obligations of states and political subdivisions $ 11,806 $ 308 $ (1 ) $ 12,113 Agency mortgage-backed securities, residential 2 ---- ---- 2 Total securities $ 11,808 $ 308 $ (1 ) $ 12,115 December 31, 201 9 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 The amortized cost and estimated fair value of debt securities at March 31, 2020, 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 $ 7,289 $ 7,404 $ 639 $ 641 Due in over one to five years 8,332 8,612 6,802 7,014 Due in over five to ten years ---- ---- 4,365 4,458 Agency mortgage-backed securities, residential 92,965 96,175 2 2 Total debt securities $ 108,586 $ 112,191 $ 11,808 $ 12,115 The following table summarizes securities with unrealized losses at March 31, 2020 December 31, 2019, March 3 1 , 20 20 Less Than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available for Sale Agency mortgage-backed securities, residential $ ---- $ ---- $ 198 $ (2 ) $ 198 $ (2 ) Total available for sale $ ---- $ ---- $ 198 $ (2 ) $ 198 $ (2 ) Less Than 12 Months 12 Months or More Total Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Securities Held to Maturity Obligations of states and political subdivisions $ 204 $ (1 ) $ ---- $ ---- $ 204 $ (1 ) Total held to maturity $ 204 $ (1 ) $ ---- $ ---- $ 204 $ (1 ) December 31, 201 9 Less Than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available for Sale 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 Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Securities Held to Maturity Obligations of states and political subdivisions $ 204 $ (1 ) $ ---- $ ---- $ 204 $ (1 ) Total held to maturity $ 204 $ (1 ) $ ---- $ ---- $ 204 $ (1 ) There were no three March 31, 2020 2019. not March 31, 2020, not not not March 31, 2020 December 31, 2019

Note 4 - Loans and Allowance fo

Note 4 - Loans and Allowance for Loan Losses	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	N OTE 4 – LOANS AND ALLOWANCE FOR LOAN LOSSES Loans are comprised of the following: March 31, December 31, 2020 2019 Residential real estate $ 307,879 $ 310,253 Commercial real estate: Owner-occupied 55,515 55,825 Nonowner-occupied 137,141 131,398 Construction 34,892 34,913 Commercial and industrial 102,570 100,023 Consumer: Automobile 61,729 63,770 Home equity 21,894 22,882 Other 53,466 53,710 775,086 772,774 Less: Allowance for loan losses (8,729 ) (6,272 ) Loans, net $ 766,357 $ 766,502 The following table presents the activity in the allowance for loan losses by portfolio segment for the three March 31, 2020 2019: March 31, 2020 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,250 $ 1,928 $ 1,447 $ 1,647 $ 6,272 Provision for loan losses 926 1,572 624 724 3,846 Loans charged off (198 ) (516 ) (33 ) (889 ) (1,636 ) Recoveries 24 44 7 172 247 Total ending allowance balance $ 2,002 $ 3,028 $ 2,045 $ 1,654 $ 8,729 March 31, 2019 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,583 $ 2,186 $ 1,063 $ 1,896 $ 6,728 Provision for loan losses 813 393 473 699 2,378 Loans charged-off (329 ) (141 ) (233 ) (658 ) (1,361 ) Recoveries 12 14 12 230 268 Total ending allowance balance $ 2,079 $ 2,452 $ 1,315 $ 2,167 $ 8,013 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 March 31, 2020 December 31, 2019: March 31, 2020 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ 409 $ 445 $ ---- $ 854 Collectively evaluated for impairment 2,002 2,619 1,600 1,654 7,875 Total ending allowance balance $ 2,002 $ 3,028 $ 2,045 $ 1,654 $ 8,729 Loans: Loans individually evaluated for impairment $ 428 $ 5,088 $ 5,207 $ 403 $ 11,126 Loans collectively evaluated for impairment 307,451 222,460 97,363 136,686 763,960 Total ending loans balance $ 307,879 $ 227,548 $ 102,570 $ 137,089 $ 775,086 December 31, 2019 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ 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 The following tables present information related to loans individually evaluated for impairment by class of loans as of March 31, 2020 December 31, 2019: March 31, 2020 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded Commercial real estate: Owner-occupied $ 868 $ 868 $ 409 Commercial and industrial 1,222 1,222 445 With no related allowance recorded: Residential real estate 428 428 ---- Commercial real estate: Owner-occupied 3,201 3,201 ---- Nonowner-occupied 1,019 1,019 ---- Commercial and industrial 3,985 3,985 ---- Consumer: Home equity 403 403 ---- Total $ 11,126 $ 11,126 $ 854 December 31, 2019 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: Commercial real estate: Owner-occupied $ 2,030 $ 2,030 $ 385 Commercial and industrial 4,861 4,861 303 Consumer: Automobile 8 8 8 Other 111 111 111 With no related allowance recorded: Residential real estate 438 438 ---- Commercial real estate: Owner-occupied 1,778 1,778 ---- Nonowner-occupied 7,492 7,492 ---- Commercial and industrial 49 49 ---- Consumer: Home equity 368 368 ---- Total $ 17,135 $ 17,135 $ 807 The following tables present information related to loans individually evaluated for impairment by class of loans for the three March 31, 2020 2019: Three months ended March 31, 2020 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded Commercial real estate: Owner-occupied $ 875 $ 9 $ 9 Commercial and industrial 611 7 7 With no related allowance recorded: Residential real estate 433 4 4 Commercial real estate: Owner-occupied 2,754 48 48 Nonowner-occupied 1,033 11 11 Commercial and industrial 4,279 66 66 Consumer: Home equity 385 5 5 Total $ 10,370 $ 150 $ 150 Three months ended March 31, 2019 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Residential real estate $ 1,255 $ 7 $ 7 Commercial real estate: Owner-occupied 78 2 2 Nonowner-occupied 360 ---- ---- Commercial and industrial 984 36 36 Consumer: Home equity 3 ---- ---- With no related allowance recorded: Residential real estate 451 4 4 Commercial real estate: Owner-occupied 2,862 52 52 Nonowner-occupied 4,177 112 112 Commercial and industrial 5,258 84 84 Total $ 15,428 $ 297 $ 297 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 March 31, 2020, no $68 December 31, 2019. $831 $1,780 March 31, 2020 December 31, 2019, The following table presents the recorded investment of nonaccrual loans and loans past due 90 March 31, 2020 December 31, 2019: March 31, 2020 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 360 $ 5,867 Commercial real estate: Owner-occupied 60 348 Nonowner-occupied ---- 724 Construction ---- 237 Commercial and industrial 1,192 534 Consumer: Automobile 116 77 Home equity ---- 359 Other 255 49 Total $ 1,983 $ 8,195 December 31, 2019 Loans Past Due 90 Days And Still Accruing Nonaccrual 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 The following table presents the aging of the recorded investment of past due loans by class of loans as of March 31, 2020 December 31, 2019: March 31, 2020 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 $ 3,499 $ 1,153 $ 2,456 $ 7,108 $ 300,771 $ 307,879 Commercial real estate: Owner-occupied 1,951 ---- 313 2,264 53,251 55,515 Nonowner-occupied 1,457 ---- 601 2,058 135,083 137,141 Construction 52 ---- 68 120 34,772 34,892 Commercial and industrial 287 47 1,726 2,060 100,510 102,570 Consumer: Automobile 1,200 275 190 1,665 60,064 61,729 Home equity 212 80 255 547 21,347 21,894 Other 519 205 264 988 52,478 53,466 Total $ 9,177 $ 1,760 $ 5,873 $ 16,810 $ 758,276 $ 775,086 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 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 March 31, 2020 December 31, 2019: March 31, 2020 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs Residential real estate: Interest only payments $ 207 $ ---- $ 207 Commercial real estate: Owner-occupied Interest only payments 868 ---- 868 Reduction of principal and interest payments 1,509 ---- 1,509 Maturity extension at lower stated rate than market rate 373 ---- 373 Credit extension at lower stated rate than market rate 391 ---- 391 Nonowner-occupied Credit extension at lower stated rate than market rate 394 ---- 394 Commercial and industrial: Interest only payments 3,984 ---- 3,984 Total TDRs $ 7,726 $ ---- $ 7,726 December 31, 2019 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs 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 At March 31, 2020, $826, 9.7%, 2019. $450 March 31, 2020, $227 December 31, 2019. March 31, 2020, $1,516 $941 December 31, 2019. There were no three March 31, 2020. three March 31, 2019: TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Three months ended March 31, 2019 Number of Loans Pre- Modification Recorded Investment Post- Modification Recorded Investment Pre- Modification Recorded Investment Post- Modification Recorded Investment 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 had no no three March 31, 2019. The Company had no three March 31, 2020 March 31, 2019 twelve 90 Under the terms of the CARE Act, as of March 31, 2020, 95 19 $15,934 not May 7, 2020, 19 593 $128,262. 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 loan risk ratings: Special Mention. not not may no no one The Company uses the following definitions for its classified loan risk ratings: 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 March 31, 2020 December 31, 2019, March 31, 2020 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 47,876 $ 1,634 $ 6,005 $ 55,515 Nonowner-occupied 129,848 6,309 984 137,141 Construction 34,843 ---- 49 34,892 Commercial and industrial 92,468 4,071 6,031 102,570 Total $ 305,035 $ 12,014 $ 13,069 $ 330,118 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 The Company also obtains the credit scores of its borrowers upon origination (if available by the credit bureau), but the scores are 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 repayment activity as of March 31, 2020 December 31, 2019: March 31, 2020 Consumer Automobile Home Equity Other Residential Real Estate Total Performing $ 61,536 $ 21,535 $ 53,162 $ 301,652 $ 437,885 Nonperforming 193 359 304 6,227 7,083 Total $ 61,729 $ 21,894 $ 53,466 $ 307,879 $ 444,968 December 31, 2019 Consumer 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 The Company, through its subsidiaries, originates residential, consumer, and commercial loans to customers located primarily in the southeastern areas of Ohio as well as the western counties of West Virginia. Approximately 5.13% March 31, 2020, 5.00% December 31, 2019.

Note 5 - Financial Instruments

Note 5 - Financial Instruments With Off-balance Sheet Risk	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Concentration Risk Disclosure [Text Block]	NOTE 5 - FINANCIAL INSTRUMENTS WITH OFF-BALANCE SHEET RISK The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, standby letters of credit and financial guarantees. The Bank’s exposure to credit loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit, and financial guarantees written, is represented by the contractual amount of those instruments. The contract amounts of these instruments are not March 31, 2020, $78,563, $75,178 December 31, 2019. not

Note 6 - Other Borrowed Funds

Note 6 - Other Borrowed Funds	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Federal Home Loan Bank Advances, Disclosure [Text Block]	NOTE 6 - OTHER BORROWED FUNDS Other borrowed funds at March 31, 2020 December 31, 2019 FHLB Borrowings Promissory Notes Totals March 31, 2020 $ 28,375 $ 4,084 $ 32,459 December 31, 2019 $ 29,758 $ 4,233 $ 33,991 Pursuant to collateral agreements with the FHLB, advances were secured by $299,428 $65,741 $5,365 March 31, 2020. $28,375 2042 1.53% 3.31% 2.41%. no March 31, 2020. At March 31, 2020, $80,000 90 $80,000 March 31, 2020. 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 $202,356 March 31, 2020. $110,295 $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% 2.56% March 31, 2020, 2.73% December 31, 2019. eight $3,558 March 31, 2020, December 31, 2019. $256 March 31, 2020, $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 $63,687 March 31, 2020 $56,500 December 31, 2019. Scheduled principal payments as of March 31, 2020: FHLB Borrowings Promissory Notes Totals 2020 $ 2,339 $ 3,451 $ 5,790 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 $ 28,375 $ 4,084 $ 32,459

Note 7 - Segment Information

Note 7 - Segment Information	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	NOTE 7 – SEGMENT INFORMATION The reportable segments are determined by the products and services offered, primarily distinguished between banking and consumer finance. They are also distinguished by the level of information provided to the chief operating decision maker, who uses such information to review performance of various components of the business, which are then aggregated if operating performance, products/services, and customers are similar. Loans, investments, and deposits provide the majority of the net revenues from the banking operation, while loans provide the majority of the net revenues for the consumer finance segment. All Company segments are domestic. Total revenues from the banking segment, which accounted for the majority of the Company's total revenues, totaled 90.8% 90.6% March 31, 2020 2019, The accounting policies used for the Company's reportable segments are the same as those described in Note 1 Information for the Company’s reportable segments is as follows: Three Months Ended March 31, 2020 Banking Consumer Finance Total Company Net interest income $ 9,471 $ 533 $ 10,004 Provision expense 3,845 1 3,846 Noninterest income 3,487 955 4,442 Noninterest expense 8,766 753 9,519 Tax expense (75 ) 154 79 Net income 422 580 1,002 Assets 1,024,169 11,672 1,035,841 Three Months Ended March 31, 2019 Banking Consumer Finance Total Company Net interest income $ 10,037 $ 1,350 $ 11,387 Provision expense 2,250 127 2,377 Noninterest income 1,819 27 1,846 Noninterest expense 8,820 748 9,568 Tax expense (10 ) 105 95 Net income 796 397 1,193 Assets 1,033,203 11,670 1,044,873

Note 8 - Leases

Note 8 - Leases	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Lessee, Operating Leases [Text Block]	NOTE 8 Substantially all of the Company’s operating lease right-of-use (“ROU”) assets and operating lease liabilities represent leases for branch buildings and office space to conduct business. Leases with an initial term of 12 not 12 no 1 17.3 15 one January 1, 2019, $1,280 Balance sheet information related to leases was as follows: As of March 31, 2020 As of December 31, 2019 Operating leases: Operating lease right-of-use assets $ 998 $ 1,053 Operating lease liabilities 998 1,053 The components of lease cost were as follows: Three Months Ended March 31, 2020 2019 Operating lease cost $ 54 $ 66 Short-term lease expense 8 16 Future undiscounted lease payments for operating leases with initial terms of one March 31, 2020 Operating Leases 2020 (remaining) $ 123 2021 157 2022 157 2023 116 2024 95 Thereafter 546 Total lease payments 1,194 Less: Imputed Interest (196 ) Total operating leases $ 998 Other information was as follows: As of March 31, 2020 As of December 31, 2019 Weighted-average remaining lease term for operating leases (in years) 10.3 10.6 Weighted-average discount rate for operating leases 2.77 % 2.76 %

Significant Accounting Policies

Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2020
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	BASIS OF PRESENTATION : one These interim financial statements are prepared by the Company without audit and reflect all adjustments of a normal recurring nature which, in the opinion of management, are necessary to present fairly the consolidated financial position of the Company at March 31, 2020, three March 31, 2020 not December 31, 2020. not December 31, 2019 The consolidated financial statements for 2019 2020. no
Effect of Covid-19 Pandemic, Policy [Policy Text Block]	RECENT EVENTS: March 2020, 19” 19 may On March 27, 2020, 19. 19 not not 30 December 31, 2019 March 1, 2020 60 19 December 31, 2020. 8 six
Use of Estimates, Policy [Policy Text Block]	USE OF ESTIMATES IN THE PREPARATION OF FINANCIAL STATEMENTS: The potential financial impact of COVID- 19 may may ● The provision for loan losses could increase. Continued uncertainty regarding the severity and duration of the COVID- 19 19 ● Valuation and fair value measurement challenges may may
Segment Reporting, Policy [Policy Text Block]	INDUSTRY SEGMENT INFORMATION: two
Earnings Per Share, Policy [Policy Text Block]	EARNINGS PER SHARE : 4,787,446 4,748,474 three March 31, 2020 2019, no no
New Accounting Pronouncements, Policy [Policy Text Block]	ADOPTION OF NEW ACCOUNTING STANDARD UPDATES (“ASU”): August 2018, 2018 13, no 1 2 3 2018 13 December 15, 2019, December 15, 2019. 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 2 - Fair Value of Financ_2

Note 2 - Fair Value of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Fair Value, Assets Measured on Recurring and Nonrecurring Basis [Table Text Block]	Fair Value Measurements at March 31, 2020 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 ---- $ 16,016 ---- Agency mortgage-backed securities, residential ---- 96,175 ---- Interest rate swap derivatives ---- 985 ---- Interest rate swap derivatives ---- (985 ) ---- 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 March 31, 2020, Using Assets: Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans: Commercial real estate: Owner-occupied ---- ---- $ 459 Commercial and Industrial ---- ---- 777 Fair Value Measurements at December 31, 2019, Using Assets: Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans: Commercial real estate: Owner-occupied ---- ---- $ 1,644 Commercial and Industrial ---- ---- 4,559
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	March 31, 2020 Fair Value Valuation Technique(s) Unobservable Input(s) Range (Weighted Average) Impaired loans: Commercial real estate: Owner-occupied $ 459 Sales approach Adjustment to comparables 10% to 50% 27.8% Commercial and industrial 777 Sales approach Adjustment to comparables 24% to 50% 28.9% March 31, 2020 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%
Fair Value, by Balance Sheet Grouping [Table Text Block]	Fair Value Measurements at March 31, 2020 Using: Carrying Value Level 1 Level 2 Level 3 Total Financial Assets: Cash and cash equivalents $ 66,671 $ 66,671 $ ---- $ ---- $ 66,671 Certificates of deposit in financial institutions 2,360 ---- 2,360 ---- 2,360 Securities available for sale 112,191 ---- 112,191 ---- 112,191 Securities held to maturity 11,808 ---- 6,420 5,695 12,115 Loans, net 766,357 ---- ---- 761,147 761,147 Interest rate swap derivatives 985 ---- 985 ---- 985 Accrued interest receivable 2,650 ---- 385 2,265 2,650 Financial liabilities: Deposits 845,879 213,262 635,176 ---- 848,438 Other borrowed funds 32,459 ---- 33,792 ---- 33,792 Subordinated debentures 8,500 ---- 5,979 ---- 5,979 Interest rate swap derivatives 985 ---- 985 ---- 985 Accrued interest payable 1,565 1 1,564 ---- 1,565 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

Note 3 - Securities (Tables)

Note 3 - Securities (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Available-for-sale Securities [Table Text Block]	Securities Available for Sale Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value March 31, 2020 U.S. Government sponsored entity securities $ 15,621 $ 395 $ ---- $ 16,016 Agency mortgage-backed securities, residential 92,965 3,212 (2 ) 96,175 Total securities $ 108,586 $ 3,607 $ (2 ) $ 112,191 December 31, 201 9 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
Debt Securities, Held-to-maturity [Table Text Block]	Securities Held to Maturity Amortized Cost Gross Unrecognized Gains Gross Unrecognized Losses Estimated Fair Value March 31, 2020 Obligations of states and political subdivisions $ 11,806 $ 308 $ (1 ) $ 12,113 Agency mortgage-backed securities, residential 2 ---- ---- 2 Total securities $ 11,808 $ 308 $ (1 ) $ 12,115 December 31, 201 9 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
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 $ 7,289 $ 7,404 $ 639 $ 641 Due in over one to five years 8,332 8,612 6,802 7,014 Due in over five to ten years ---- ---- 4,365 4,458 Agency mortgage-backed securities, residential 92,965 96,175 2 2 Total debt securities $ 108,586 $ 112,191 $ 11,808 $ 12,115
Schedule of Unrealized Loss on Investments [Table Text Block]	March 3 1 , 20 20 Less Than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available for Sale Agency mortgage-backed securities, residential $ ---- $ ---- $ 198 $ (2 ) $ 198 $ (2 ) Total available for sale $ ---- $ ---- $ 198 $ (2 ) $ 198 $ (2 ) December 31, 201 9 Less Than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss Securities Available for Sale 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 )
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 Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Securities Held to Maturity 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 Fair Value Unrecognized Loss Fair Value Unrecognized Loss Fair Value Unrecognized Loss Securities Held to Maturity Obligations of states and political subdivisions $ 204 $ (1 ) $ ---- $ ---- $ 204 $ (1 ) Total held to maturity $ 204 $ (1 ) $ ---- $ ---- $ 204 $ (1 )

Note 4 - Loans and Allowance _2

Note 4 - Loans and Allowance for Loan Losses (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	Loans are comprised of the following: March 31, December 31, 2020 2019 Residential real estate $ 307,879 $ 310,253 Commercial real estate: Owner-occupied 55,515 55,825 Nonowner-occupied 137,141 131,398 Construction 34,892 34,913 Commercial and industrial 102,570 100,023 Consumer: Automobile 61,729 63,770 Home equity 21,894 22,882 Other 53,466 53,710 775,086 772,774 Less: Allowance for loan losses (8,729 ) (6,272 ) Loans, net $ 766,357 $ 766,502
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	March 31, 2020 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,250 $ 1,928 $ 1,447 $ 1,647 $ 6,272 Provision for loan losses 926 1,572 624 724 3,846 Loans charged off (198 ) (516 ) (33 ) (889 ) (1,636 ) Recoveries 24 44 7 172 247 Total ending allowance balance $ 2,002 $ 3,028 $ 2,045 $ 1,654 $ 8,729 March 31, 2019 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Beginning balance $ 1,583 $ 2,186 $ 1,063 $ 1,896 $ 6,728 Provision for loan losses 813 393 473 699 2,378 Loans charged-off (329 ) (141 ) (233 ) (658 ) (1,361 ) Recoveries 12 14 12 230 268 Total ending allowance balance $ 2,079 $ 2,452 $ 1,315 $ 2,167 $ 8,013
Allowance For Loan Losses And The Recorded Investment Of Loans [Table Text Block]	March 31, 2020 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ 409 $ 445 $ ---- $ 854 Collectively evaluated for impairment 2,002 2,619 1,600 1,654 7,875 Total ending allowance balance $ 2,002 $ 3,028 $ 2,045 $ 1,654 $ 8,729 Loans: Loans individually evaluated for impairment $ 428 $ 5,088 $ 5,207 $ 403 $ 11,126 Loans collectively evaluated for impairment 307,451 222,460 97,363 136,686 763,960 Total ending loans balance $ 307,879 $ 227,548 $ 102,570 $ 137,089 $ 775,086 December 31, 2019 Residential Real Estate Commercial Real Estate Commercial and Industrial Consumer Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ ---- $ 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
Schedule of Loans Individually Evaluated for Impairment [Table Text Block]	March 31, 2020 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded Commercial real estate: Owner-occupied $ 868 $ 868 $ 409 Commercial and industrial 1,222 1,222 445 With no related allowance recorded: Residential real estate 428 428 ---- Commercial real estate: Owner-occupied 3,201 3,201 ---- Nonowner-occupied 1,019 1,019 ---- Commercial and industrial 3,985 3,985 ---- Consumer: Home equity 403 403 ---- Total $ 11,126 $ 11,126 $ 854 December 31, 2019 Unpaid Principal Balance Recorded Investment Allowance for Loan Losses Allocated With an allowance recorded: Commercial real estate: Owner-occupied $ 2,030 $ 2,030 $ 385 Commercial and industrial 4,861 4,861 303 Consumer: Automobile 8 8 8 Other 111 111 111 With no related allowance recorded: Residential real estate 438 438 ---- Commercial real estate: Owner-occupied 1,778 1,778 ---- Nonowner-occupied 7,492 7,492 ---- Commercial and industrial 49 49 ---- Consumer: Home equity 368 368 ---- Total $ 17,135 $ 17,135 $ 807 Three months ended March 31, 2020 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded Commercial real estate: Owner-occupied $ 875 $ 9 $ 9 Commercial and industrial 611 7 7 With no related allowance recorded: Residential real estate 433 4 4 Commercial real estate: Owner-occupied 2,754 48 48 Nonowner-occupied 1,033 11 11 Commercial and industrial 4,279 66 66 Consumer: Home equity 385 5 5 Total $ 10,370 $ 150 $ 150 Three months ended March 31, 2019 Average Impaired Loans Interest Income Recognized Cash Basis Interest Recognized With an allowance recorded: Residential real estate $ 1,255 $ 7 $ 7 Commercial real estate: Owner-occupied 78 2 2 Nonowner-occupied 360 ---- ---- Commercial and industrial 984 36 36 Consumer: Home equity 3 ---- ---- With no related allowance recorded: Residential real estate 451 4 4 Commercial real estate: Owner-occupied 2,862 52 52 Nonowner-occupied 4,177 112 112 Commercial and industrial 5,258 84 84 Total $ 15,428 $ 297 $ 297
Schedule of Recorded Investment In Nonaccrual Loans [Table Text Block]	March 31, 2020 Loans Past Due 90 Days And Still Accruing Nonaccrual Residential real estate $ 360 $ 5,867 Commercial real estate: Owner-occupied 60 348 Nonowner-occupied ---- 724 Construction ---- 237 Commercial and industrial 1,192 534 Consumer: Automobile 116 77 Home equity ---- 359 Other 255 49 Total $ 1,983 $ 8,195 December 31, 2019 Loans Past Due 90 Days And Still Accruing Nonaccrual 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
Financing Receivable, Past Due [Table Text Block]	March 31, 2020 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 $ 3,499 $ 1,153 $ 2,456 $ 7,108 $ 300,771 $ 307,879 Commercial real estate: Owner-occupied 1,951 ---- 313 2,264 53,251 55,515 Nonowner-occupied 1,457 ---- 601 2,058 135,083 137,141 Construction 52 ---- 68 120 34,772 34,892 Commercial and industrial 287 47 1,726 2,060 100,510 102,570 Consumer: Automobile 1,200 275 190 1,665 60,064 61,729 Home equity 212 80 255 547 21,347 21,894 Other 519 205 264 988 52,478 53,466 Total $ 9,177 $ 1,760 $ 5,873 $ 16,810 $ 758,276 $ 775,086 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
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	March 31, 2020 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs Residential real estate: Interest only payments $ 207 $ ---- $ 207 Commercial real estate: Owner-occupied Interest only payments 868 ---- 868 Reduction of principal and interest payments 1,509 ---- 1,509 Maturity extension at lower stated rate than market rate 373 ---- 373 Credit extension at lower stated rate than market rate 391 ---- 391 Nonowner-occupied Credit extension at lower stated rate than market rate 394 ---- 394 Commercial and industrial: Interest only payments 3,984 ---- 3,984 Total TDRs $ 7,726 $ ---- $ 7,726 December 31, 2019 TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Total TDRs 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
Troubled Debt Restructurings on Financing Receivables Pre And Post Modification [Table Text Block]	TDRs Performing to Modified Terms TDRs Not Performing to Modified Terms Three months ended March 31, 2019 Number of Loans Pre- Modification Recorded Investment Post- Modification Recorded Investment Pre- Modification Recorded Investment Post- Modification Recorded Investment 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 $ ---- $ ----
Financing Receivable Credit Quality Indicators [Table Text Block]	March 31, 2020 Pass Criticized Classified Total Commercial real estate: Owner-occupied $ 47,876 $ 1,634 $ 6,005 $ 55,515 Nonowner-occupied 129,848 6,309 984 137,141 Construction 34,843 ---- 49 34,892 Commercial and industrial 92,468 4,071 6,031 102,570 Total $ 305,035 $ 12,014 $ 13,069 $ 330,118 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
Performing and Nonperforming Loans [Table Text Block]	March 31, 2020 Consumer Automobile Home Equity Other Residential Real Estate Total Performing $ 61,536 $ 21,535 $ 53,162 $ 301,652 $ 437,885 Nonperforming 193 359 304 6,227 7,083 Total $ 61,729 $ 21,894 $ 53,466 $ 307,879 $ 444,968 December 31, 2019 Consumer 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

Note 6 - Other Borrowed Funds (

Note 6 - Other Borrowed Funds (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Schedule of Federal Home Loan Bank, Advances, by Branch of FHLB Bank [Table Text Block]	FHLB Borrowings Promissory Notes Totals March 31, 2020 $ 28,375 $ 4,084 $ 32,459 December 31, 2019 $ 29,758 $ 4,233 $ 33,991
Schedule of Maturities of Long-term Debt [Table Text Block]	FHLB Borrowings Promissory Notes Totals 2020 $ 2,339 $ 3,451 $ 5,790 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 $ 28,375 $ 4,084 $ 32,459

Note 7 - Segment Information (T

Note 7 - Segment Information (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	Three Months Ended March 31, 2020 Banking Consumer Finance Total Company Net interest income $ 9,471 $ 533 $ 10,004 Provision expense 3,845 1 3,846 Noninterest income 3,487 955 4,442 Noninterest expense 8,766 753 9,519 Tax expense (75 ) 154 79 Net income 422 580 1,002 Assets 1,024,169 11,672 1,035,841 Three Months Ended March 31, 2019 Banking Consumer Finance Total Company Net interest income $ 10,037 $ 1,350 $ 11,387 Provision expense 2,250 127 2,377 Noninterest income 1,819 27 1,846 Noninterest expense 8,820 748 9,568 Tax expense (10 ) 105 95 Net income 796 397 1,193 Assets 1,033,203 11,670 1,044,873

Note 8 - Leases (Tables)

Note 8 - Leases (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Lease, Cost [Table Text Block]	As of March 31, 2020 As of December 31, 2019 Operating leases: Operating lease right-of-use assets $ 998 $ 1,053 Operating lease liabilities 998 1,053 Three Months Ended March 31, 2020 2019 Operating lease cost $ 54 $ 66 Short-term lease expense 8 16 As of March 31, 2020 As of December 31, 2019 Weighted-average remaining lease term for operating leases (in years) 10.3 10.6 Weighted-average discount rate for operating leases 2.77 % 2.76 %
Lessee, Operating Lease, Liability, Maturity [Table Text Block]	Operating Leases 2020 (remaining) $ 123 2021 157 2022 157 2023 116 2024 95 Thereafter 546 Total lease payments 1,194 Less: Imputed Interest (196 ) Total operating leases $ 998

Note 1 - Summary of Significa_2

Note 1 - Summary of Significant Accounting Policies (Details Textual)	3 Months Ended
	Mar. 31, 2020shares	Mar. 31, 2019shares
Number of Reportable Segments	2
Weighted Average Number of Shares Outstanding, Basic, Total (in shares)	4,787,446	4,748,474

Note 2 - Fair Value of Financ_3

Note 2 - Fair Value of Financial Instruments (Details Textual) - USD ($)	3 Months Ended		12 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019	Dec. 31, 2017
Selling Costs, Percentage	10.00%
Impaired Financing Receivable, Related Allowance	$ 854,000		$ 807,000
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down				$ 0
Other Real Estate, Ending Balance	0		0
SEC Schedule, 12-28, Real Estate Companies, Investment in Real Estate, Write-down or Reserve, Amount	0	$ 0
Collateral Dependent Loans [Member]
Impaired Financing Receivable, with Related Allowance, Recorded Investment	2,090,000		7,010,000
Impaired Financing Receivable, Related Allowance	854,000		807,000
Financing Receivable, Credit Loss, Expense (Reversal)	854,000	163,000	807,000
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down	$ 0	$ 0	$ 0

Note 2 - Fair Value of Financ_4

Note 2 - Fair Value of Financial Instruments - Assets and Liabilities Measured at Fair Value on a Recurring and Nonrecurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
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 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 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
Liabilities, fair value
Fair Value, Inputs, Level 2 [Member] | US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Recurring [Member]
Assets, fair value	16,016	16,736
Fair Value, Inputs, Level 2 [Member] | Impaired Loans [Member] | Fair Value, Nonrecurring [Member] | Commercial 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 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	96,175	88,582
Fair Value, Inputs, Level 2 [Member] | Derivative Financial Instruments, Assets [Member] | Fair Value, Recurring [Member] | Interest Rate Swap [Member]
Assets, fair value	985	465
Liabilities, fair value	(985)	(465)
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 Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Assets, fair value	459	1,644
Fair Value, Inputs, Level 3 [Member] | Impaired Loans [Member] | Fair Value, Nonrecurring [Member] | Commercial and Industrial Portfolio Segment [Member]
Assets, fair value	777	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
Liabilities, fair value

Note 2 - Fair Value of Financ_5

Note 2 - Fair Value of Financial Instruments - Level 3 Fair Value Measurements (Details) - Fair Value, Nonrecurring [Member] - Valuation, Market Approach [Member] $ in Thousands	Mar. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Commercial and Industrial Portfolio Segment [Member]
Impaired Loans, Fair Value	$ 777	$ 4,559
Commercial and Industrial Portfolio Segment [Member] | Minimum [Member] | Measurement Input, Comparability Adjustment [Member]
Impaired Loans, Measurement Input	0.24	0
Commercial and Industrial Portfolio Segment [Member] | Maximum [Member] | Measurement Input, Comparability Adjustment [Member]
Impaired Loans, Measurement Input	0.5	0.61
Commercial and Industrial Portfolio Segment [Member] | Weighted Average [Member] | Measurement Input, Comparability Adjustment [Member]
Impaired Loans, Measurement Input	0.289	0.103
Commercial Real Estate Owner Occupied [Member] | Commercial Portfolio Segment [Member]
Impaired Loans, Fair Value	$ 459	$ 1,644
Commercial Real Estate Owner Occupied [Member] | Commercial Portfolio Segment [Member] | Minimum [Member] | Measurement Input, Comparability Adjustment [Member]
Impaired Loans, Measurement Input	0.1	0
Commercial Real Estate Owner Occupied [Member] | Commercial Portfolio Segment [Member] | Maximum [Member] | Measurement Input, Comparability Adjustment [Member]
Impaired Loans, Measurement Input	0.5	0.2
Commercial Real Estate Owner Occupied [Member] | Commercial Portfolio Segment [Member] | Weighted Average [Member] | Measurement Input, Comparability Adjustment [Member]
Impaired Loans, Measurement Input	0.278	0.097

Note 2 - Fair Value of Financ_6

Note 2 - Fair Value of Financial Instruments - Fair Value Measurements (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Securities held to maturity	$ 12,115	$ 12,404
Reported Value Measurement [Member]
Cash and cash equivalents	66,671	52,356
Certificates of deposit in financial institutions	2,360	2,360
Securities available for sale	112,191	105,318
Securities held to maturity	11,808	12,033
Loans, net	766,357	766,502
Interest rate swap derivatives	985	465
Accrued interest receivable	2,650	2,564
Deposits	845,879	821,471
Other borrowed funds	32,459	33,991
Subordinated debentures	8,500	8,500
Interest rate swap derivatives	985	465
Accrued interest payable	1,565	1,589
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	66,671	52,356
Certificates of deposit in financial institutions	2,360	2,360
Securities available for sale	112,191	105,318
Securities held to maturity	12,115	12,404
Loans, net	761,147	771,285
Interest rate swap derivatives	985	465
Accrued interest receivable	2,650	2,564
Deposits	848,438	822,544
Other borrowed funds	33,792	34,345
Subordinated debentures	5,979	6,275
Interest rate swap derivatives	985	465
Accrued interest payable	1,565	1,589
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	66,671	52,356
Certificates of deposit in financial institutions
Securities available for sale
Securities held to maturity
Loans, net
Interest rate swap derivatives
Accrued interest receivable
Deposits	213,262	222,607
Other borrowed funds
Subordinated debentures
Interest rate swap derivatives
Accrued interest payable	1	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	2,360
Securities available for sale	112,191	105,318
Securities held to maturity	6,420	6,446
Loans, net
Interest rate swap derivatives	985	465
Accrued interest receivable	385	315
Deposits	635,176	599,937
Other borrowed funds	33,792	34,345
Subordinated debentures	5,979	6,275
Interest rate swap derivatives	985	465
Accrued interest payable	1,564	1,586
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	5,695	5,958
Loans, net	761,147	771,285
Interest rate swap derivatives
Accrued interest receivable	2,265	2,249
Deposits
Other borrowed funds
Subordinated debentures
Interest rate swap derivatives
Accrued interest payable

Note 3 - Securities (Details Te

Note 3 - Securities (Details Textual) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Proceeds from Sale of Debt Securities, Available-for-sale	$ 0	$ 0
Other than Temporary Impairment Losses, Investments, Total	$ 0		$ 0

Note 3 - Securities - Securitie

Note 3 - Securities - Securities Available-for-sale (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Securities available for sale, amortized cost	$ 108,586	$ 104,650
Securities available for sale, gross unrealized gains	3,607	970
Securities available for sale, gross unrealized losses	(2)	(302)
Securities available for sale	112,191	105,318
US Government-sponsored Enterprises Debt Securities [Member]
Securities available for sale, amortized cost	15,621	16,579
Securities available for sale, gross unrealized gains	395	163
Securities available for sale, gross unrealized losses		(6)
Securities available for sale	16,016	16,736
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Securities available for sale, amortized cost	92,965	88,071
Securities available for sale, gross unrealized gains	3,212	807
Securities available for sale, gross unrealized losses	(2)	(296)
Securities available for sale	$ 96,175	$ 88,582

Note 3 - Securities - Securit_2

Note 3 - Securities - Securities Held-to-maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Securities held to maturity, amortized cost	$ 11,808	$ 12,033
Securities held to maturity, gross unrecognized gains	308	372
Securities held to maturity, gross unrecognized losses	(1)	(1)
Securities held to maturity	12,115	12,404
US States and Political Subdivisions Debt Securities [Member]
Securities held to maturity, amortized cost	11,806	12,031
Securities held to maturity, gross unrecognized gains	308	372
Securities held to maturity, gross unrecognized losses	(1)	(1)
Securities held to maturity	12,113	12,402
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Securities held to maturity, amortized cost	2	2
Securities held to maturity, gross unrecognized gains
Securities held to maturity, gross unrecognized losses
Securities held to maturity	$ 2	$ 2

Note 3 - Securities - Securit_3

Note 3 - Securities - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Due in one year or less, available for sale, amortized cost	$ 7,289
Due in one year or less, available for sale, fair value	7,404
Due in one year or less, held to maturity, amortized cost	639
Due in one year or less, held to maturity, fair value	641
Due in over one to five years, available for sale, amortized cost	8,332
Due in over one to five years, available for sale, fair value	8,612
Due in over one to five years, held to maturity, amortized cost	6,802
Due in over one to five years, held to maturity, fair value	7,014
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	4,365
Due in over five to ten years, held to maturity, fair value	4,458
Agency mortgage-backed securities, residential, available for sale, amortized cost	92,965
Agency mortgage-backed securities, residential, available for sale, fair value	96,175
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	108,586	$ 104,650
Total debt securities, available for sale, fair value	112,191	105,318
Total debt securities, held to maturity, amortized cost	11,808	12,033
Total debt securities, held to maturity, fair value	$ 12,115	$ 12,404

Note 3 - Securities - Securit_4

Note 3 - Securities - Securities Available-for-sale With Unrealized Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Less than 12 Months - Fair Value		$ 15,041
Less than 12 Months - Unrealized Loss		(84)
12 Months or More - Fair Value	198	23,343
12 Months or More - Unrealized Loss	(2)	(218)
Fair Value	198	38,384
Unrealized Loss	(2)	(302)
Mortgage-backed Securities, Issued by Private Enterprises [Member]
Less than 12 Months - Fair Value		15,041
Less than 12 Months - Unrealized Loss		(84)
12 Months or More - Fair Value	198	21,344
12 Months or More - Unrealized Loss	(2)	(212)
Fair Value	198	36,385
Unrealized Loss	$ (2)	(296)
US Government-sponsored Enterprises Debt Securities [Member]
Less than 12 Months - Fair Value
Less than 12 Months - Unrealized Loss
12 Months or More - Fair Value		1,999
12 Months or More - Unrealized Loss		(6)
Fair Value		1,999
Unrealized Loss		$ (6)

Note 3 - Securities - Securit_5

Note 3 - Securities - Securities Held to Maturity With Unrealized Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Less Than 12 Months - Fair Value	$ 204	$ 204
Less Than 12 Months - Unrecognized Loss	(1)	(1)
12 Months or More - Fair Value
12 Months or More - Unrecognized Loss
Fair Value	204	204
Unrecognized Loss	(1)	(1)
US States and Political Subdivisions Debt Securities [Member]
Less Than 12 Months - Fair Value	204	204
Less Than 12 Months - Unrecognized Loss	(1)	(1)
12 Months or More - Fair Value
12 Months or More - Unrecognized Loss
Fair Value	204	204
Unrecognized Loss	$ (1)	$ (1)

Note 4 - Loans and Allowance _3

Note 4 - Loans and Allowance for Loan Losses (Details Textual)	3 Months Ended		12 Months Ended
	Mar. 31, 2020USD ($)	Mar. 31, 2019	Dec. 31, 2018	Dec. 31, 2017USD ($)	May 07, 2020USD ($)	Dec. 31, 2019USD ($)
Increase (Decrease) in Other Loans	$ (826,000)
Change In Troubled Debt Restructurings	9.70%
Impaired Financing Receivable, Related Allowance	$ 854,000					$ 807,000
Financing Receivable, Troubled Debt Restructuring, Commitment to Lend	$ 1,516,000					941,000
Financing Receivable, Modifications, Number of Contracts		2	0
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down				$ 0
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts				0
Financing Receivable, Number of Principal and Interest Payment	95				593
Financing Receivable, Principal and Interest Deferred Payments	$ 15,934				$ 128,262
Minimum Loan Balance For Loans Evaluated by Risk Categories						750,000
Troubled Debt Restructurings [Member]
Impaired Financing Receivable, Related Allowance	$ 450,000					$ 227,000
Unsecured [Member]
Percentage of Loan Portfolio	5.13%					5.00%
Residential Portfolio Segment [Member]
Real Estate Acquired Through Foreclosure	$ 0					$ 68,000
Mortgage Loans in Process of Foreclosure, Amount	$ 831,000					$ 1,780,000

Note 4 - Loans and Allowance _4

Note 4 - Loans and Allowance for Loan Losses - Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Loans	$ 775,086	$ 772,774
Less: Allowance for loan losses	(8,729)	(6,272)
Loans, net	766,357	766,502
Residential Portfolio Segment [Member]
Loans	307,879	310,253
Commercial Real Estate Portfolio Segment [Member]
Loans	227,548	222,136
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans	55,515	55,825
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans	137,141	131,398
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans	34,892	34,913
Commercial and Industrial Portfolio Segment [Member]
Loans	102,570	100,023
Consumer Portfolio Segment [Member]
Loans	137,089	140,362
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans	61,729	63,770
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans	21,894	22,882
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans	$ 53,466	$ 53,710

Note 4 - Loans and Allowance _5

Note 4 - Loans and Allowance for Loan Losses - Allowance for Loan Losses Activity by Portfolio Segment (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Balance	$ 6,272	$ 6,728
Provision for loan losses	3,846	2,378
Loans charged off	(1,636)	(1,361)
Recoveries	247	268
Balance	8,729	8,013
Residential Portfolio Segment [Member]
Balance	1,250	1,583
Provision for loan losses	926	813
Loans charged off	(198)	(329)
Recoveries	24	12
Balance	2,002	2,079
Commercial Real Estate Portfolio Segment [Member]
Balance	1,928	2,186
Provision for loan losses	1,572	393
Loans charged off	(516)	(141)
Recoveries	44	14
Balance	3,028	2,452
Commercial and Industrial Portfolio Segment [Member]
Balance	1,447	1,063
Provision for loan losses	624	473
Loans charged off	(33)	(233)
Recoveries	7	12
Balance	2,045	1,315
Consumer Portfolio Segment [Member]
Balance	1,647	1,896
Provision for loan losses	724	699
Loans charged off	(889)	(658)
Recoveries	172	230
Balance	$ 1,654	$ 2,167

Note 4 - Loans and Allowance _6

Note 4 - Loans and Allowance for Loan Losses - Allowance for Loan Losses and the Recorded Investment of Loans Based on Impairment Method (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019	Dec. 31, 2018
Individually evaluated for impairment	$ 854	$ 807
Collectively evaluated for impairment	7,875	5,465
Total ending allowance balance	8,729	6,272	$ 8,013	$ 6,728
Loans individually evaluated for impairment	11,126	17,135
Loans collectively evaluated for impairment	763,960	755,639
Total ending loans balance	775,086	772,774
Residential Portfolio Segment [Member]
Individually evaluated for impairment
Collectively evaluated for impairment	2,002	1,250
Total ending allowance balance	2,002	1,250	2,079	1,583
Loans individually evaluated for impairment	428	438
Loans collectively evaluated for impairment	307,451	309,815
Total ending loans balance	307,879	310,253
Commercial Real Estate Portfolio Segment [Member]
Individually evaluated for impairment	409	385
Collectively evaluated for impairment	2,619	1,543
Total ending allowance balance	3,028	1,928	2,452	2,186
Loans individually evaluated for impairment	5,088	11,300
Loans collectively evaluated for impairment	222,460	210,836
Total ending loans balance	227,548	222,136
Commercial and Industrial Portfolio Segment [Member]
Individually evaluated for impairment	445	303
Collectively evaluated for impairment	1,600	1,144
Total ending allowance balance	2,045	1,447	1,315	1,063
Loans individually evaluated for impairment	5,207	4,910
Loans collectively evaluated for impairment	97,363	95,113
Total ending loans balance	102,570	100,023
Consumer Portfolio Segment [Member]
Individually evaluated for impairment		119
Collectively evaluated for impairment	1,654	1,528
Total ending allowance balance	1,654	1,647	$ 2,167	$ 1,896
Loans individually evaluated for impairment	403	487
Loans collectively evaluated for impairment	136,686	139,875
Total ending loans balance	$ 137,089	$ 140,362

Note 4 - Loans and Allowance _7

Note 4 - Loans and Allowance for Loan Losses - Loans Individually Evaluated for Impairment (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Allowance for Loan Losses Allocated	$ 854		$ 807
Unpaid principal balance	11,126		17,135
Recorded investment	11,126		17,135
Interest income recognized - with no allowance recorded		$ 84
Cash basis interest recognized - with no allowance recorded		84
Average impaired loans - with no allowance recorded		5,258
Average impaired loans	10,370	15,428
Interest income recognized	150	297
Cash basis interest recognized	150	297
Residential Portfolio Segment [Member]
Unpaid principal balance - with no allowance recorded	428		438
Recorded investment - with no allowance recorded	428		438
Average impaired loans - with allowance recorded		1,255
Interest income recognized - with no allowance recorded	4	4
Cash basis interest recognized - with no allowance recorded	4	4
Average impaired loans - with no allowance recorded	433	451
Interest income recognized - with allowance recorded		7
Cash basis interest recognized - with allowance recorded		7
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Unpaid principal balance - with allowance recorded	868		2,030
Recorded investment - with allowance recorded	868		2,030
Allowance for Loan Losses Allocated	409		385
Unpaid principal balance - with no allowance recorded	3,201		1,778
Recorded investment - with no allowance recorded	3,201		1,778
Average impaired loans - with allowance recorded	875	78
Interest income recognized - with no allowance recorded	9	52
Cash basis interest recognized - with no allowance recorded	9	52
Average impaired loans - with no allowance recorded		2,862
Interest income recognized - with allowance recorded		2
Cash basis interest recognized - with allowance recorded		2
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Unpaid principal balance - with no allowance recorded	1,019		7,492
Recorded investment - with no allowance recorded	1,019		7,492
Average impaired loans - with allowance recorded		360
Interest income recognized - with no allowance recorded		112
Cash basis interest recognized - with no allowance recorded		112
Average impaired loans - with no allowance recorded	1,033	4,177
Interest income recognized - with allowance recorded	11
Cash basis interest recognized - with allowance recorded	11
Commercial and Industrial Portfolio Segment [Member]
Unpaid principal balance - with allowance recorded	1,222		4,861
Recorded investment - with allowance recorded	1,222		4,861
Allowance for Loan Losses Allocated	445		303
Unpaid principal balance - with no allowance recorded	3,985		49
Recorded investment - with no allowance recorded	3,985		49
Average impaired loans - with allowance recorded	611	984
Interest income recognized - with no allowance recorded	7
Cash basis interest recognized - with no allowance recorded	7
Average impaired loans - with no allowance recorded	4,279
Interest income recognized - with allowance recorded	66	36
Cash basis interest recognized - with allowance recorded	66	36
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
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
Interest income recognized - with no allowance recorded	48
Cash basis interest recognized - with no allowance recorded	48
Average impaired loans - with no allowance recorded	2,754
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Unpaid principal balance - with no allowance recorded	403		368
Recorded investment - with no allowance recorded	403		$ 368
Average impaired loans - with allowance recorded		3
Interest income recognized - with no allowance recorded	5
Cash basis interest recognized - with no allowance recorded	5
Average impaired loans - with no allowance recorded	$ 385
Interest income recognized - with allowance recorded

Note 4 - Loans and Allowance _8

Note 4 - Loans and Allowance for Loan Losses - Nonaccrual Loans and Loans Past Due 90 Days or More and Still Accruing (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Loans past due 90 days and still accruing	$ 1,983	$ 889
Nonaccrual	8,195	9,149
Residential Portfolio Segment [Member]
Loans past due 90 days and still accruing	360	255
Nonaccrual	5,867	6,119
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans past due 90 days and still accruing	60
Nonaccrual	348	863
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans past due 90 days and still accruing
Nonaccrual	724	804
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans past due 90 days and still accruing
Nonaccrual	237	229
Commercial and Industrial Portfolio Segment [Member]
Loans past due 90 days and still accruing	1,192
Nonaccrual	534	590
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due 90 days and still accruing	116	239
Nonaccrual	77	61
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans past due 90 days and still accruing
Nonaccrual	359	392
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due 90 days and still accruing	255	395
Nonaccrual	$ 49	$ 91

Note 4 - Loans and Allowance _9

Note 4 - Loans and Allowance for Loan Losses - Past Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Loans past due	$ 16,810	$ 13,638
Loans, current	758,276	759,136
Loans	775,086	772,774
Residential Portfolio Segment [Member]
Loans past due	7,108	7,111
Loans, current	300,771	303,142
Loans	307,879	310,253
Commercial Real Estate Portfolio Segment [Member]
Loans	227,548	222,136
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans past due	2,264	586
Loans, current	53,251	55,239
Loans	55,515	55,825
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans past due	2,058	709
Loans, current	135,083	130,689
Loans	137,141	131,398
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans past due	120	254
Loans, current	34,772	34,659
Loans	34,892	34,913
Commercial and Industrial Portfolio Segment [Member]
Loans past due	2,060	1,873
Loans, current	100,510	98,150
Loans	102,570	100,023
Consumer Portfolio Segment [Member]
Loans	137,089	140,362
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due	1,665	1,561
Loans, current	60,064	62,209
Loans	61,729	63,770
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans past due	547	403
Loans, current	21,347	22,479
Loans	21,894	22,882
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due	988	1,141
Loans, current	52,478	52,569
Loans	53,466	53,710
Financial Asset, 30 to 59 Days Past Due [Member]
Loans past due	9,177	7,567
Financial Asset, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans past due	3,499	4,015
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Owner Occupied [Member]
Loans past due	1,951	383
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Nonowner Occupied [Member]
Loans past due	1,457	12
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans past due	52	186
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial and Industrial Portfolio Segment [Member]
Loans past due	287	1,320
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due	1,200	986
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans past due	212	106
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due	519	559
Financial Asset, 60 to 89 Days Past Due [Member]
Loans past due	1,760	2,190
Financial Asset, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans past due	1,153	1,314
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	47	312
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due	275	329
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans past due	80	18
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due	205	139
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans past due	5,873	3,881
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans past due	2,456	1,782
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	313	144
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	601	697
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans past due	68	49
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial and Industrial Portfolio Segment [Member]
Loans past due	1,726	241
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due	190	246
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans past due	255	279
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due	$ 264	$ 443

Note 4 - Loans and Allowance_10

Note 4 - Loans and Allowance for Loan Losses - TDR Loan Modifications (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Troubled Debt Restructuring	$ 7,726	$ 8,552
Troubled Debt Restructuring	7,726	8,552
Residential Portfolio Segment [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring	207	209
Troubled Debt Restructuring	207	209
Residential Portfolio Segment [Member] | Extended Maturity [Member]
Troubled Debt Restructuring	373
Troubled Debt Restructuring	373
Residential Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member]
Troubled Debt Restructuring	391
Troubled Debt Restructuring	391
Commercial Real Estate Portfolio Segment [Member] | Interest Only Payments [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring	868	882
Troubled Debt Restructuring	868	882
Commercial Real Estate Portfolio Segment [Member] | Interest Only Payments [Member] | Commercial Real Estate Nonowner Occupied [Member]
Troubled Debt Restructuring	3,984	4,574
Troubled Debt Restructuring	3,984	4,574
Commercial Real Estate Portfolio Segment [Member] | Reduction of Principal and Interest Payments [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring	1,509	1,521
Troubled Debt Restructuring	1,509	1,521
Commercial Real Estate Portfolio Segment [Member] | Extended Maturity [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring		393
Troubled Debt Restructuring		393
Commercial Real Estate Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring		393
Troubled Debt Restructuring		393
Commercial Real Estate Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member] | Commercial Real Estate Nonowner Occupied [Member]
Troubled Debt Restructuring	394
Troubled Debt Restructuring	394
Commercial and Industrial Portfolio Segment [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring		185
Troubled Debt Restructuring		185
Commercial and Industrial Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member]
Troubled Debt Restructuring		395
Troubled Debt Restructuring		395
Performing Financial Instruments [Member]
Troubled Debt Restructuring	7,726	8,552
Troubled Debt Restructuring	7,726	8,552
Performing Financial Instruments [Member] | Residential Portfolio Segment [Member] | Interest Only Payments [Member]
Troubled Debt Restructuring	207	209
Troubled Debt Restructuring	207	209
Performing Financial Instruments [Member] | Residential Portfolio Segment [Member] | Extended Maturity [Member]
Troubled Debt Restructuring	373
Troubled Debt Restructuring	373
Performing Financial Instruments [Member] | Residential Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member]
Troubled Debt Restructuring	391
Troubled Debt Restructuring	391
Performing Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Interest Only Payments [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring	868	882
Troubled Debt Restructuring	868	882
Performing Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Interest Only Payments [Member] | Commercial Real Estate Nonowner Occupied [Member]
Troubled Debt Restructuring	3,984	4,574
Troubled Debt Restructuring	3,984	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	1,509	1,521
Troubled Debt Restructuring	1,509	1,521
Performing Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Extended Maturity [Member] | Commercial Real Estate Owner Occupied [Member]
Troubled Debt Restructuring		393
Troubled Debt Restructuring		393
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		393
Troubled Debt Restructuring		393
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	394
Troubled Debt Restructuring	$ 394
Performing Financial Instruments [Member] | Commercial and Industrial Portfolio Segment [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring		185
Troubled Debt Restructuring		185
Performing Financial Instruments [Member] | Commercial and Industrial Portfolio Segment [Member] | Interest Rate Below Market Reduction [Member]
Troubled Debt Restructuring		395
Troubled Debt Restructuring		395
Nonperforming Financial Instruments [Member]
Troubled Debt Restructuring
Troubled Debt Restructuring
Nonperforming Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member] | Interest Only Payments [Member] | Commercial Real Estate Nonowner Occupied [Member]
Troubled Debt Restructuring
Troubled Debt Restructuring
Nonperforming Financial Instruments [Member] | Commercial and Industrial Portfolio Segment [Member] | Reduction of Principal and Interest Payments [Member]
Troubled Debt Restructuring
Troubled Debt Restructuring

Note 4 - Loans and Allowance_11

Note 4 - Loans and Allowance for Loan Losses - TDRs Pre-modification and Post-modification (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2019USD ($)	Dec. 31, 2018
Number of Loans	2	0
Performing Financial Instruments [Member]
Pre-modification recorded investment	$ 1,235
Post-modification recorded investment	1,235
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 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 4 - Loans and Allowance_12

Note 4 - Loans and Allowance for Loan Losses - Risk Category of Commercial Loans by Class of Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Loans receivable	$ 775,086	$ 772,774
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	227,548	222,136
Commercial and Industrial Portfolio Segment [Member]
Loans receivable	102,570	100,023
Commercial Portfolio Segment [Member]
Loans receivable	330,118	322,159
Commercial Real Estate Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	55,515	55,825
Commercial Real Estate Nonowner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	137,141	131,398
Construction Loans [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	34,892	34,913
Pass [Member] | Commercial and Industrial Portfolio Segment [Member]
Loans receivable	92,468	89,749
Pass [Member] | Commercial Portfolio Segment [Member]
Loans receivable	305,035	297,946
Pass [Member] | Commercial Real Estate Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	47,876	49,486
Pass [Member] | Commercial Real Estate Nonowner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	129,848	123,847
Pass [Member] | Construction Loans [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	34,843	34,864
Criticized [Member] | Commercial and Industrial Portfolio Segment [Member]
Loans receivable	4,071	298
Criticized [Member] | Commercial Portfolio Segment [Member]
Loans receivable	12,014	3,187
Criticized [Member] | Commercial Real Estate Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	1,634	2,889
Criticized [Member] | Commercial Real Estate Nonowner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	6,309
Criticized [Member] | Construction Loans [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable
Classified [Member] | Commercial and Industrial Portfolio Segment [Member]
Loans receivable	6,031	9,976
Classified [Member] | Commercial Portfolio Segment [Member]
Loans receivable	13,069	21,026
Classified [Member] | Commercial Real Estate Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	6,005	3,450
Classified [Member] | Commercial Real Estate Nonowner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	984	7,551
Classified [Member] | Construction Loans [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	$ 49	$ 49

Note 4 - Loans and Allowance_13

Note 4 - Loans and Allowance for Loan Losses - Recorded Investment of Residential and Consumer Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Loans receivable	$ 775,086	$ 772,774
Consumer Portfolio Segment [Member]
Loans receivable	137,089	140,362
Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans receivable	61,729	63,770
Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	21,894	22,882
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans receivable	53,466	53,710
Residential Portfolio Segment [Member]
Loans receivable	307,879	310,253
Consumer and Residential Portfolio Segment [Member]
Loans receivable	444,968	450,615
Performing Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans receivable	61,536	63,470
Performing Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	21,535	22,490
Performing Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans receivable	53,162	53,224
Performing Financial Instruments [Member] | Residential Portfolio Segment [Member]
Loans receivable	301,652	303,879
Performing Financial Instruments [Member] | Consumer and Residential Portfolio Segment [Member]
Loans receivable	437,885	443,063
Nonperforming Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Automobile Loan [Member]
Loans receivable	193	300
Nonperforming Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Home Equity Loan [Member]
Loans receivable	359	392
Nonperforming Financial Instruments [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans receivable	304	486
Nonperforming Financial Instruments [Member] | Residential Portfolio Segment [Member]
Loans receivable	6,227	6,374
Nonperforming Financial Instruments [Member] | Consumer and Residential Portfolio Segment [Member]
Loans receivable	$ 7,083	$ 7,552

Note 5 - Financial Instrument_2

Note 5 - Financial Instruments With Off-balance Sheet Risk (Details Textual) - USD ($)	3 Months Ended	12 Months Ended
	Mar. 31, 2020	Dec. 31, 2019
Concentration Risk, Credit Risk, Financial Instrument, Maximum Exposure	$ 78,563	$ 75,178

Note 6 - Other Borrowed Funds_2

Note 6 - Other Borrowed Funds (Details Textual) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Federal Home Loan Bank, Advances, Maturities Summary, Fixed Rate, Total	$ 28,375
Federal Home Loan Bank, Advances, Maturities Summary, Floating Rate, Total	0
Federal Home Loan Bank, Advances, General Debt Obligations, Maximum Amount Available	202,356
Federal Home Loan Bank, Advances, General Debt Obligations, Amount of Available, Unused Funds	110,295
Notes Payable to Bank, Total	256	$ 405
Director [Member]
Notes Payable, Related Parties	$ 3,558	$ 3,558
Promissory Notes [Member]
Debt, Weighted Average Interest Rate	2.56%	2.73%
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	$ 63,687	$ 56,500
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	2.41%
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	299,428
Commercial Loans [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	$ 65,741

Note 6 - Other Borrowed Funds -

Note 6 - Other Borrowed Funds - Other Borrowed Funds (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Other borrowed funds	$ 32,459	$ 33,991
Federal Home Loan Bank Advances [Member]
Other borrowed funds	28,375	29,758
Promissory Notes [Member]
Other borrowed funds	$ 4,084	$ 4,233

Note 6 - Other Borrowed Funds_3

Note 6 - Other Borrowed Funds - Scheduled Principal Payments (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
2020	$ 5,790
2021	3,633
2022	2,841
2023	2,705
2024	2,301
Thereafter	15,189
Other Borrowings	32,459	$ 33,991
Federal Home Loan Bank Advances [Member]
2020	2,339
2021	3,000
2022	2,841
2023	2,705
2024	2,301
Thereafter	15,189
Other Borrowings	28,375	29,758
Promissory Notes [Member]
2020	3,451
2021	633
2022
2023
2024
Thereafter
Other Borrowings	$ 4,084	$ 4,233

Note 7 - Segment Information (D

Note 7 - Segment Information (Details Textual)	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Banking Segment, Percentage of Total Revenues	90.80%	90.60%

Note 7 - Segment Information -

Note 7 - Segment Information - Segment Reporting (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Net interest income	$ 10,004	$ 11,387
Provision expense	3,846	2,377
Noninterest income	4,442	1,846
Noninterest expense	9,519	9,568
Tax expense	79	95
Net income	1,002	1,193
Assets	1,035,841	1,044,873	$ 1,013,272
Banking [Member]
Net interest income	9,471	10,037
Provision expense	3,845	2,250
Noninterest income	3,487	1,819
Noninterest expense	8,766	8,820
Tax expense	(75)	(10)
Net income	422	796
Assets	1,024,169	1,033,203
Consumer Finance [Member]
Net interest income	533	1,350
Provision expense	1	127
Noninterest income	955	27
Noninterest expense	753	748
Tax expense	154	105
Net income	580	397
Assets	$ 11,672	$ 11,670

Note 8 - Leases (Details Textua

Note 8 - Leases (Details Textual) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019	Jan. 01, 2019
Finance Lease, Liability, Total	$ 0
Operating Lease, Right-of-Use Asset	$ 998	$ 1,053
Accounting Standards Update 2016-02 [Member]
Operating Lease, Right-of-Use Asset			$ 1,280
Minimum [Member]
Lessee, Operating Lease, Term of Contract (Month)	30 days
Maximum [Member]
Lessee, Operating Lease, Term of Contract (Month)	17 years 109 days
Lessee, Operating Lease, Renewal Term (Year)	15 years

Note 8 - Leases - Lease Cost an

Note 8 - Leases - Lease Cost and Information (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Operating lease right-of-use assets	$ 998		$ 1,053
Total operating leases	998		$ 1,053
Operating lease cost	54	$ 66
Short-term lease expense	$ 8	$ 16
Weighted-average remaining lease term for operating leases (in years) (Year)	10 years 109 days		10 years 219 days
Weighted-average discount rate for operating leases	2.77%		2.76%

Note 8 - Leases - Operating Lea

Note 8 - Leases - Operating Lease Maturities (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
2020 (remaining)	$ 123
2021	157
2022	157
2023	116
2024	95
Thereafter	546
Total lease payments	1,194
Less: Imputed Interest	(196)
Total operating leases	$ 998	$ 1,053