Note 4 - Loan Receivable and Allowance for Loan and Lease Losses (Tables)

12 Months Ended

Dec. 31, 2019

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

	December 31,
(In thousands)	2019			2018
Loan portfolio segment:
Commercial Real Estate	$	314,414		$	274,938
Residential Real Estate		175,489			157,300
Commercial and Industrial		173,875			191,852
Consumer and Other		85,934			94,569
Construction		48,388			46,040
Construction to Permanent - CRE		14,064			15,677
Loans receivable, gross		812,164			780,376
Allowance for loan and lease losses		(10,115	)		(7,609	)
Loans receivable, net	$	802,049		$	772,767

Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Table Text Block]

(In thousands)	For the Year Ended December 31,
	2019			2018
Accretable discount, beginning of period	$	(792	)	$	(1,316	)
Accretion		47			92
Other changes, net		698			432
Accretable discount, end of period	$	(47	)	$	(792	)

Financing Receivable, Allowance for Credit Loss [Table Text Block]

(In thousands)	Commercial Real Estate			Residential Real Estate			Commercial and Industrial			Consumer and Other			Construction			Construction to Permanent - CRE			Unallocated			Total
As of and for the year ended December 31, 2019
Allowance for loan and lease losses:
December 31, 2018	$	1,866		$	1,059		$	3,558		$	641		$	350		$	108		$	27		$	7,609
Charge-offs		-			(118	)		(2,418	)		(123	)		-			-			-			(2,659	)
Recoveries		2			10			172			10			-			-			-			194
Provisions (credits)		1,921			87			3,028			(187	)		127			22			(27	)		4,971
December 31, 2019	$	3,789		$	1,038		$	4,340		$	341		$	477		$	130		$	-		$	10,115
As of and for the year ended December 31, 2018
Allowance for loan and lease losses:
December 31, 2017	$	2,212		$	959		$	2,023		$	568		$	481		$	54		$	-		$	6,297
Charge-offs		-			(2	)		-			(33	)		-			-			-			(35	)
Recoveries		7			2			34			1			-			-			-			44
Provisions (credits)		(353	)		100			1,501			105			(131	)		54			27			1,303
December 31, 2018	$	1,866		$	1,059		$	3,558		$	641		$	350		$	108		$	27		$	7,609
As of and for the year ended December 31, 2017
Allowance for loan and lease losses:
December 31, 2016	$	1,853		$	534		$	740		$	641		$	712		$	69		$	126		$	4,675
Charge-offs		-			-			(265	)		(39	)		-			-			-			(304	)
Recoveries		10			-			2,769			4			-			-			-			2,783
Provisions (credits)		349			425			(1,221	)		(38	)		(231	)		(15	)		(126	)		(857	)
December 31, 2017	$	2,212		$	959		$	2,023		$	568		$	481		$	54		$	-		$	6,297

(In thousands)	Commercial Real Estate		Residential Real Estate		Commercial and Industrial		Consumer and Other		Construction		Construction to Permanent - CRE		Unallocated		Total
December 31, 2019
Allowance for loan and lease losses:
Individually evaluated for impairment	$	1,496	$	-	$	-	$	-	$	-	$	-	$	-	$	1,496
Collectively evaluated for impairment		2,293		1,038		4,340		341		477		130		-		8,619
Total allowance for loan and lease losses	$	3,789	$	1,038	$	4,340	$	341	$	477	$	130	$	-	$	10,115
Loans receivable, gross:
Individually evaluated for impairment	$	13,034	$	3,621	$	2,057	$	916	$	-	$	-	$	-	$	19,628
PCI loans individually evaluated for impairment		-		-		176		-		-		-		-		176
Collectively evaluated for impairment		301,380		171,868		171,642		85,018		48,388		14,064		-		792,360
Total loans receivable, gross	$	314,414	$	175,489	$	173,875	$	85,934	$	48,388	$	14,064	$	-	$	812,164

(In thousands)	Commercial Real Estate		Residential Real Estate		Commercial and Industrial		Consumer and Other		Construction		Construction to Permanent - CRE		Unallocated		Total
December 31, 2018
Allowance for loan and lease losses:
Individually evaluated for impairment	$	-	$	216	$	1,299	$	30	$	-	$	-	$	-	$	1,545
Collectively evaluated for impairment		1,866		843		2,259		611		350		108		27		6,064
Total allowance for loan losses	$	1,866	$	1,059	$	3,558	$	641	$	350	$	108	$	27	$	7,609
Loans receivable, gross:
Individually evaluated for impairment	$	4,606	$	2,302	$	4,646	$	864	$	8,800	$	-	$	-	$	21,218
PCI loans individually evaluated for impairment		-		-		615		-		-		-		-		615
Collectively evaluated for impairment		270,332		154,998		186,591		93,705		37,240		15,677		-		758,543
Total loans receivable, gross	$	274,938	$	157,300	$	191,852	$	94,569	$	46,040	$	15,677	$	-	$	780,376

Financing Receivable, Past Due [Table Text Block]

(In thousands)	Performing (Accruing) Loans
As of December 31, 2019:	30 - 59 Days Past Due		60 - 89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Current		Total Performing Loans		Non-accruing Loans		Loans Receivable Gross
Loan portfolio segment:
Commercial Real Estate:
Pass	$	-	$	-	$	-	$	-	$	295,982	$	295,982	$	-	$	295,982
Special mention		-		-		-		-		385		385		-		385
Substandard		-		-		-		-		6,086		6,086		11,961		18,047
		-		-		-		-		302,453		302,453		11,961		314,414
Residential Real Estate:
Pass		658		-		-		658		169,903		170,561		-		170,561
Special mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		1,700		1,700		3,228		4,928
		658		-		-		658		171,603		172,261		3,228		175,489
Commercial and Industrial:
Pass		327		350		-		677		162,711		163,388		-		163,388
Special mention		279		-		-		279		172		451		-		451
Substandard		-		-		-		-		7,942		7,942		2,094		10,036
		606		-		-		956		170,825		171,781		2,094		173,875
Consumer and Other:
Pass		2,805		3		19		2,827		82,341		85,168		-		85,168
Substandard		-		-		-		-		-		-		766		766
		2,805		3		19		2,827		82,341		85,168		766		85,934
Construction:
Pass		-		-		-		-		48,388		48,388		-		48,388
		-		-		-		-		48,388		48,388		-		48,388
Construction to Permanent - CRE:
Pass		-		-		-		-		14,064		14,064		-		14,064
		-		-		-		-		14,064		14,064		-		14,064
Total	$	4,069	$	353	$	19	$	4,441	$	789,674	$	794,115	$	18,049	$	812,164
Loans receivable, gross:
Pass	$	3,790	$	353	$	19	$	4,162	$	773,389	$	777,551	$	-	$	777,551
Special mention		279		-		-		279		557		836		-		836
Substandard		-		-		-		-		15,728		15,728		18,049		33,777
Loans receivable, gross	$	4,069	$	353	$	19	$	4,441	$	789,674	$	794,115	$	18,049	$	812,164

(In thousands)	Performing (Accruing) Loans
As of December 31, 2018:	30 - 59 Days Past Due		60 - 89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Current		Total Performing Loans		Non-accruing Loans		Loans Receivable Gross
Loan portfolio segment:
Commercial Real Estate:
Pass	$	423	$	-	$	-	$	423	$	262,435	$	262,858	$	-	$	262,858
Special mention		-		-		958		958		2,673		3,631		-		3,631
Substandard		170		-		-		170		4,754		4,924		3,525		8,449
		593		-		958		1,551		269,862		271,413		3,525		274,938
Residential Real Estate:
Pass		637		817		-		1,454		151,509		152,963		-		152,963
Special mention		-		-		-		-		850		850		-		850
Substandard		-		-		-		-		1,481		1,481		2,006		3,487
		637		817		-		1,454		153,840		155,294		2,006		157,300
Commercial and Industrial:
Pass		150		853		234		1,237		180,293		181,530		-		181,530
Special mention		-		-		101		101		2,378		2,479		-		2,479
Substandard		-		-		-		-		3,162		3,162		4,681		7,843
		150		853		335		1,338		185,833		187,171		4,681		191,852
Consumer and Other:
Pass		20		-		23		43		94,352		94,395		-		94,395
Substandard		-		-		-		-		-		-		174		174
		20		-		23		43		94,352		94,395		174		94,569
Construction:
Pass		-		1,000		-		1,000		36,240		37,240		-		37,240
Substandard		-		-		-		-		-		-		8,800		8,800
		-		1,000		-		1,000		36,240		37,240		8,800		46,040
Construction to Permanent - CRE:
Pass		-		-		-		-		15,677		15,677		-		15,677
		-		-		-		-		15,677		15,677		-		15,677
Total	$	1,400	$	2,670	$	1,316	$	5,386	$	755,804	$	761,190	$	19,186	$	780,376
Loans receivable, gross:
Pass	$	1,230	$	2,670	$	257	$	4,157	$	740,506	$	744,663	$	-	$	744,663
Special mention		-		-		1,059		1,059		5,901		6,960		-		6,960
Substandard		170		-		-		170		9,397		9,567		19,186		28,753
Loans receivable, gross	$	1,400	$	2,670	$	1,316	$	5,386	$	755,804	$	761,190	$	19,186	$	780,376

Financing Receivable, Nonaccrual [Table Text Block]

(In thousands)	Non-accruing Loans
	30 - 59 Days Past Due		60 - 89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Current		Total Non-accruing Loans
As of December 31, 2019:
Loan portfolio segment:
Commercial Real Estate:
Substandard	$	-	$	-	$	1,636	$	1,636	$	10,325	$	11,961
Residential Real Estate:
Substandard		-		-		1,872		1,872		1,356		3,228
Commercial and Industrial:
Substandard		-		-		1,724		1,724		370		2,094
Consumer and Other:
Substandard		-		-		149		149		617		766
Total non-accruing loans	$	-	$	-	$	5,381	$	5,381	$	12,668	$	18,049
As of December 31, 2018:
Loan portfolio segment:
Commercial Real Estate:
Substandard	$	1,580	$	-	$	1,945	$	3,525	$	-	$	3,525
Residential Real Estate:
Substandard		-		-		2,006		2,006		-		2,006
Commercial and Industrial:
Substandard		-		15		3,941		3,956		725		4,681
Consumer and Other:
Substandard		-		86		11		97		77		174
Construction:
Substandard		-		-		8,800		8,800		-		8,800
Total non-accruing loans	$	1,580	$	101	$	16,703	$	18,384	$	802	$	19,186

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

(In thousands)	December 31, 2019					December 31, 2018
Loan portfolio segment:	Number of Loans		Recorded Investment			Number of Loans		Recorded Investment
Commercial Real Estate		2	$	9,873			1	$	1,081
Residential Real Estate		2		393			1		296
Consumer and Other		2		687			2		689
Total TDR Loans		6		10,953			4		2,066
Less:
TDRs included in non-accrual loans		2		(9,337	)		-		-
Total accrual TDR Loans		4	$	1,616			4	$	2,066

			Outstanding Recorded Investment
(In thousands)	Number of Loans		Pre-Modification		Post-Modification
Year Ended December 31,	2019		2019		2019
Loan portfolio segment:
Commercial Real Estate		2	$	8,912	$	8,911
Total TDR Loans		2	$	8,912	$	8,911

	Year Ended December 31,
(In thousands)	2019
Rate reduction	$	111
Maturity and rate reduction		8,800
Total	$	8,911

Impaired Financing Receivables [Table Text Block]

(In thousands)	December 31, 2019						December 31, 2018
	Recorded Investment		Principal Outstanding		Related Allowance		Recorded Investment		Principal Outstanding		Related Allowance
With no related allowance recorded:
Commercial Real Estate	$	4,234	$	4,309	$	-	$	4,606	$	5,109	$	-
Residential Real Estate		3,621		3,623		-		670		703		-
Commercial and Industrial		2,057		2,060		-		488		1,281		-
Consumer and Other		916		1,000		-		827		867		-
Construction		-		-		-		8,800		8,839		-
		10,828		10,992		-		15,391		16,799		-
With a related allowance recorded:
Commercial Real Estate		8,800		8,800		1,496		-		-		-
Residential Real Estate		-		-		-		1,632		1,632		216
Commercial and Industrial		-		-		-		4,158		4,208		1,299
Consumer and Other		-		-		-		37		37		30
		8,800		8,800		1,496		5,827		5,877		1,545
Impaired Loans, Total:
Commercial Real Estate		13,034		13,109		1,496		4,606		5,109		-
Residential Real Estate		3,621		3,623		-		2,302		2,335		216
Commercial and Industrial		2,057		2,060		-		4,646		5,489		1,299
Consumer and Other		916		1,000		-		864		904		30
Construction		-		-		-		8,800		8,839		-
Impaired Loans, Total	$	19,628	$	19,792	$	1,496	$	21,218	$	22,676	$	1,545

	Year Ended December 31,
(In thousands)	2019				2018				2017
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial Real Estate	$	9,829	$	95	$	3,318	$	100	$	5,832	$	102
Residential Real Estate		2,531		104		3,154		11		2,016		11
Commercial and Industrial		1,800		45		987		-		197		-
Consumer and Other		901		35		750		31		593		22
Construction		4,062		-		1,354		503		-		-
		19,123		279		9,563		645		8,638		135
With a related allowance recorded:
Commercial Real Estate		888		415		-		-		-		-
Residential Real Estate		952		-		126		-		-		-
Commercial and Industrial		1,714		-		474		-		243		-
Consumer and Other		18		-		9		-		-		-
		3,572		415		609		-		243		-
Impaired Loans, Total:
Commercial Real Estate		10,717		510		3,318		100		5,832		102
Residential Real Estate		3,483		104		3,280		11		2,016		11
Commercial and Industrial		3,514		45		1,461		-		440		-
Consumer and Other		919		35		759		31		593		22
Construction		4,062		-		1,354		503		-		-
Impaired Loans, Total	$	22,695	$	694	$	10,172	$	645	$	8,881	$	135