Note 5 - Loans and Leases (Tables)

12 Months Ended

Dec. 31, 2022

Notes Tables

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

(dollars in thousands)	December 31, 2022			December 31, 2021
Commercial and industrial	$	234,478		$	236,304
Commercial real estate:
Non-owner occupied		316,867			312,848
Owner occupied		270,810			248,755
Construction		18,941			21,147
Consumer:
Home equity installment		59,118			47,571
Home equity line of credit		52,568			54,878
Auto loans		131,936			118,029
Direct finance leases		33,223			26,232
Other		7,611			8,013
Residential:
Real estate		398,136			325,861
Construction		42,232			34,919
Total		1,565,920			1,434,557
Less:
Allowance for loan losses		(17,149	)		(15,624	)
Unearned lease revenue		(1,746	)		(1,429	)
Loans and leases, net	$	1,547,025		$	1,417,504

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

	For the years ended
(dollars in thousands)	December 31, 2022			December 31, 2021
Balance at beginning of period	$	1,088		$	563
Accretable yield on acquired loans		-			589
Reclassification from non-accretable difference		543			453
Reclassification to loan balance due to charge-off		(3	)		-
Accretion of accretable yield		(399	)		(517	)
Balance at end of period	$	1,229		$	1,088

Financing Receivable, Nonaccrual [Table Text Block]

(dollars in thousands)	December 31, 2022		December 31, 2021
Commercial and industrial	$	719	$	154
Commercial real estate:
Non-owner occupied		383		478
Owner occupied		1,066		1,570
Consumer:
Home equity installment		-		-
Home equity line of credit		211		97
Auto loans		153		78
Residential:
Real estate		3		572
Total	$	2,535	$	2,949

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	Loans modified as TDRs for the twelve months ended:
(dollars in thousands)	December 31, 2022						December 31, 2021
			Recorded		Increase in				Recorded		Increase in
	Number		investment		allowance		Number		investment		allowance
	of		(as of		(as of		of		(as of		(as of
	contracts		period end)		period end)		contracts		period end)		period end)
Commercial real estate - owner occupied		-	$	-	$	-		1	$	512	$	-
Total		-	$	-	$	-		1	$	512	$	-

Financing Receivable, Past Due [Table Text Block]

														Recorded
					Past due									investment past
	30 - 59 Days		60 - 89 Days		90 days		Total				Total			due ≥ 90 days
December 31, 2022	past due		past due		or more (1)		past due		Current		loans (3)			and accruing
Commercial and industrial	$	-	$	-	$	719	$	719	$	233,759	$	234,478		$	-
Commercial real estate:
Non-owner occupied		-		-		383		383		316,484		316,867			-
Owner occupied		42		-		1,066		1,108		269,702		270,810			-
Construction		-		-		-		-		18,941		18,941			-
Consumer:
Home equity installment		239		-		-		239		58,879		59,118			-
Home equity line of credit		110		151		211		472		52,096		52,568			-
Auto loans		563		201		169		933		131,003		131,936			16
Direct finance leases		186		-		17		203		31,274		31,477	(2)		17
Other		12		7		-		19		7,592		7,611			-
Residential:
Real estate		-		327		3		330		397,806		398,136			-
Construction		-		-		-		-		42,232		42,232			-
Total	$	1,152	$	686	$	2,568	$	4,406	$	1,559,768	$	1,564,174		$	33

														Recorded
					Past due									investment past
	30 - 59 Days		60 - 89 Days		90 days		Total				Total			due ≥ 90 days
December 31, 2021	past due		past due		or more (1)		past due		Current		loans (3)			and accruing
Commercial and industrial	$	-	$	4	$	154	$	158	$	236,146	$	236,304		$	-
Commercial real estate:
Non-owner occupied		-		675		478		1,153		311,695		312,848			-
Owner occupied		-		-		1,570		1,570		247,185		248,755			-
Construction		-		-		-		-		21,147		21,147			-
Consumer:
Home equity installment		87		32		-		119		47,452		47,571			-
Home equity line of credit		-		-		97		97		54,781		54,878			-
Auto loans		410		45		78		533		117,496		118,029			-
Direct finance leases		173		38		64		275		24,528		24,803	(2)		64
Other		49		17		-		66		7,947		8,013			-
Residential:
Real estate		-		452		572		1,024		324,837		325,861			-
Construction		-		-		-		-		34,919		34,919			-
Total	$	719	$	1,263	$	3,013	$	4,995	$	1,428,133	$	1,433,128		$	64

Impaired Financing Receivables [Table Text Block]

			Recorded		Recorded
	Unpaid		investment		investment		Total
	principal		with		with no		recorded		Related
(dollars in thousands)	balance		allowance		allowance		investment		allowance
December 31, 2022
Commercial and industrial	$	942	$	139	$	580	$	719	$	48
Commercial real estate:
Non-owner occupied		762		215		547		762		42
Owner occupied		2,347		1,304		716		2,020		70
Consumer:
Home equity installment		33		-		-		-		-
Home equity line of credit		255		-		211		211		-
Auto loans		213		18		135		153		1
Residential:
Real estate		50		-		3		3		-
Total	$	4,602	$	1,676	$	2,192	$	3,868	$	161

			Recorded		Recorded
	Unpaid		investment		investment		Total
	principal		with		with no		recorded		Related
(dollars in thousands)	balance		allowance		allowance		investment		allowance
December 31, 2021
Commercial and industrial	$	218	$	18	$	136	$	154	$	18
Commercial real estate:
Non-owner occupied		2,470		1,674		796		2,470		474
Owner occupied		3,185		1,802		762		2,564		763
Consumer:
Home equity installment		33		-		-		-		-
Home equity line of credit		137		-		97		97		-
Auto loans		98		10		68		78		4
Residential:
Real estate		699		-		572		572		-
Total	$	6,840	$	3,504	$	2,431	$	5,935	$	1,259

	December 31, 2022						December 31, 2021
					Cash basis						Cash basis
	Average		Interest		interest		Average		Interest		interest
	recorded		income		income		recorded		income		income
(dollars in thousands)	investment		recognized		recognized		investment		recognized		recognized
Commercial and industrial	$	468	$	-	$	-	$	380	$	2	$	-
Commercial real estate:
Non-owner occupied		1,263		104		-		2,698		195		-
Owner occupied		2,279		125		-		1,883		55		-
Construction		-		-		-		-		-		-
Consumer:
Home equity installment		-		-		-		28		6		-
Home equity line of credit		153		7		-		202		20		-
Auto loans		162		5		-		42		2		-
Direct finance leases		-		-		-		-		-		-
Other		-		-		-		-		-		-
Residential:
Real estate		158		41		-		682		-		-
Construction		-		-		-		-		-		-
Total	$	4,483	$	282	$	-	$	5,915	$	280	$	-

Financing Receivable Credit Quality Indicators [Table Text Block]

	December 31, 2022
(dollars in thousands)	Pass		Special mention		Substandard		Doubtful		Total
Commercial and industrial	$	231,614	$	229	$	2,635	$	-	$	234,478
Commercial real estate - non-owner occupied		301,386		4,227		11,254		-		316,867
Commercial real estate - owner occupied		255,921		803		14,086		-		270,810
Commercial real estate - construction		18,941		-		-		-		18,941
Total commercial	$	807,862	$	5,259	$	27,975	$	-	$	841,096

	December 31, 2022
(dollars in thousands)	Performing		Non-performing		Total
Consumer
Home equity installment	$	59,118	$	-	$	59,118
Home equity line of credit		52,357		211		52,568
Auto loans		131,767		169		131,936
Direct finance leases (1)		31,460		17		31,477
Other		7,611		-		7,611
Total consumer		282,313		397		282,710
Residential
Real estate		398,133		3		398,136
Construction		42,232		-		42,232
Total residential		440,365		3		440,368
Total consumer & residential	$	722,678	$	400	$	723,078

	December 31, 2021
(dollars in thousands)	Pass		Special mention		Substandard		Doubtful		Total
Commercial and industrial	$	233,565	$	339	$	2,400	$	-	$	236,304
Commercial real estate - non-owner occupied		289,679		16,614		6,555		-		312,848
Commercial real estate - owner occupied		230,146		7,089		11,520		-		248,755
Commercial real estate - construction		21,147		-		-		-		21,147
Total commercial	$	774,537	$	24,042	$	20,475	$	-	$	819,054

	December 31, 2021
(dollars in thousands)	Performing		Non-performing		Total
Consumer
Home equity installment	$	47,571	$	-	$	47,571
Home equity line of credit		54,781		97		54,878
Auto loans		117,951		78		118,029
Direct finance leases (2)		24,739		64		24,803
Other		8,013		-		8,013
Total consumer		253,055		239		253,294
Residential
Real estate		325,289		572		325,861
Construction		34,919		-		34,919
Total residential		360,208		572		360,780
Total consumer & residential	$	613,263	$	811	$	614,074

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

As of and for the year ended December 31, 2022
	Commercial &			Commercial							Residential
(dollars in thousands)	industrial			real estate			Consumer				real estate		Unallocated			Total
Allowance for Loan Losses:
Beginning balance	$	2,204		$	7,422		$	2,404			$	3,508	$	86		$	15,624
Charge-offs		(371	)		(67	)		(377	)			-		-			(815	)
Recoveries		11			153			74				2		-			240
Provision		1,080			(346	)		726				659		(19	)		2,100
Ending balance	$	2,924		$	7,162		$	2,827			$	4,169	$	67		$	17,149
Ending balance: individually evaluated for impairment	$	48		$	112		$	1			$	-	$	-		$	161
Ending balance: collectively evaluated for impairment	$	2,876		$	7,050		$	2,826			$	4,169	$	67		$	16,988
Loans Receivables:
Ending balance (2)	$	234,478		$	606,618		$	282,710		(1)	$	440,368	$	-		$	1,564,174
Ending balance: individually evaluated for impairment	$	719		$	2,782		$	364			$	3	$	-		$	3,868
Ending balance: collectively evaluated for impairment	$	233,759		$	603,836		$	282,346			$	440,365	$	-		$	1,560,306

As of and for the year ended December 31, 2021
	Commercial &			Commercial						Residential
(dollars in thousands)	industrial			real estate			Consumer			real estate			Unallocated		Total
Allowance for Loan Losses:
Beginning balance	$	2,407		$	6,383		$	2,552		$	2,781		$	79	$	14,202
Charge-offs		(130	)		(491	)		(206	)		(162	)		-		(989	)
Recoveries		23			250			138			-			-		411
Provision		(96	)		1,280			(80	)		889			7		2,000
Ending balance	$	2,204		$	7,422		$	2,404		$	3,508		$	86	$	15,624
Ending balance: individually evaluated for impairment	$	18		$	1,237		$	4		$	-		$	-	$	1,259
Ending balance: collectively evaluated for impairment	$	2,186		$	6,185		$	2,400		$	3,508		$	86	$	14,365
Loans Receivables:
Ending balance (2)	$	236,304		$	582,750		$	253,294	(1)	$	360,780		$	-	$	1,433,128
Ending balance: individually evaluated for impairment	$	154		$	5,034		$	175		$	572		$	-	$	5,935
Ending balance: collectively evaluated for impairment	$	236,150		$	577,716		$	253,119		$	360,208		$	-	$	1,427,193

As of and for the year ended December 31, 2020
	Commercial &			Commercial						Residential
(dollars in thousands)	industrial			real estate			Consumer			real estate			Unallocated		Total
Allowance for Loan Losses:
Beginning balance	$	1,484		$	3,933		$	2,013		$	2,278		$	39	$	9,747
Charge-offs		(372	)		(465	)		(296	)		(35	)		-		(1,168	)
Recoveries		26			30			120			197			-		373
Provision		1,269			2,885			715			341			40		5,250
Ending balance	$	2,407		$	6,383		$	2,552		$	2,781		$	79	$	14,202

Sales-type and Direct Financing Leases, Lease Receivable, Maturity [Table Text Block]

(dollars in thousands)	Amount
2023	$	10,838
2024		10,035
2025		10,889
2026		1,433
2027		28
2028 and thereafter		-
Total future minimum lease payments receivable		33,223
Less: Unearned income		(1,746	)
Undiscounted cash flows to be received	$	31,477