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]

	March 31, 2020						December 31, 2019
	Amount			Percent			Amount			Percent
(Dollars in thousands)
Real Estate:
Residential	$	346,864			35.5	%	$	347,766			36.6	%
Commercial		354,374			36.4			351,360			36.9
Construction		50,017			5.1			35,605			3.7
Commercial and Industrial		80,721			8.3			85,586			9.0
Consumer		121,494			12.5			113,637			11.9
Other		21,180			2.2			18,542			1.9
Total Loans		974,650			100.0	%		952,496			100.0	%
Allowance for Loan Losses		(12,322	)					(9,867	)
Loans, Net	$	962,328					$	942,629

Financing Receivable Credit Quality Indicators [Table Text Block]

	March 31, 2020
			Special
	Pass		Mention		Substandard		Doubtful		Total
(Dollars in Thousands)
Real Estate:
Residential	$	342,785	$	1,028	$	3,051	$	-	$	346,864
Commercial		312,089		36,496		5,789		-		354,374
Construction		45,985		3,179		853		-		50,017
Commercial and Industrial		74,264		4,109		1,667		681		80,721
Consumer		121,337		-		157		-		121,494
Other		21,094		86		-		-		21,180
Total Loans	$	917,554	$	44,898	$	11,517	$	681	$	974,650

	December 31, 2019
			Special
	Pass		Mention		Substandard		Doubtful		Total
(Dollars in Thousands)
Real Estate:
Residential	$	343,851	$	1,997	$	1,918	$	-	$	347,766
Commercial		335,436		12,260		3,664		-		351,360
Construction		33,342		2,263		-		-		35,605
Commercial and Industrial		75,201		7,975		1,691		719		85,586
Consumer		113,527		-		110		-		113,637
Other		18,452		90		-		-		18,542
Total Loans	$	919,809	$	24,585	$	7,383	$	719	$	952,496

Financing Receivable, Past Due [Table Text Block]

	March 31, 2020
			30-59		60-89		90 Days
	Loans		Days		Days		Or More		Total		Non-		Total
	Current		Past Due		Past Due		Past Due		Past Due		Accrual		Loans
(Dollars in Thousands)
Real Estate:
Residential	$	340,982	$	3,824	$	61	$	-	$	3,885	$	1,997	$	346,864
Commercial		354,168		45		-		-		45		161		354,374
Construction		49,177		407		433		-		840		-		50,017
Commercial and Industrial		80,007		-		-		-		-		714		80,721
Consumer		120,442		845		50		-		895		157		121,494
Other		21,180		-		-		-		-		-		21,180
Total Loans	$	965,956	$	5,121	$	544	$	-	$	5,665	$	3,029	$	974,650

	December 31, 2019
			30-59		60-89		90 Days
	Loans		Days		Days		Or More		Total		Non-		Total
	Current		Past Due		Past Due		Past Due		Past Due		Accrual		Loans
(Dollars in Thousands)
Real Estate:
Residential	$	342,010	$	3,462	$	281	$	196	$	3,939	$	1,817	$	347,766
Commercial		351,104		22		-		-		22		234		351,360
Construction		35,605		-		-		-		-		-		35,605
Commercial and Industrial		84,280		388		178		-		566		740		85,586
Consumer		112,438		923		140		26		1,089		110		113,637
Other		18,542		-		-		-		-		-		18,542
Total Loans	$	943,979	$	4,795	$	599	$	222	$	5,616	$	2,901	$	952,496

Financing Receivable, Nonaccrual [Table Text Block]

	March 31,			December 31,
	2020			2019
(Dollars in Thousands)
Nonaccrual Loans:
Real Estate:
Residential	$	1,997		$	1,817
Commercial		161			234
Commercial and Industrial		714			740
Consumer		157			110
Total Nonaccrual Loans		3,029			2,901
Accruing Loans Past Due 90 Days or More:
Real Estate:
Residential		-			196
Consumer		-			26
Total Accruing Loans Past Due 90 Days or More		-			222
Total Nonaccrual Loans and Accruing Loans Past Due 90 Days or More		3,029			3,123
Troubled Debt Restructurings, Accruing:
Real Estate
Residential		503			511
Commercial		1,621			1,648
Commercial and Industrial		79			100
Total Troubled Debt Restructurings, Accruing		2,203			2,259
Total Nonperforming Loans		5,232			5,382
Other Real Estate Owned:
Residential		117			41
Commercial		174			192
Total Other Real Estate Owned		291			233
Total Nonperforming Assets	$	5,523		$	5,615
Nonperforming Loans to Total Loans		0.54	%		0.57	%
Nonperforming Assets to Total Assets		0.42			0.42

Financing Receivable, Loan Forbearance [Table Text Block]

	Number
	of
	Loans		Amount
(Dollars in thousands)
Real Estate:
Residential		170	$	21,998
Commercial		98		94,101
Construction		1		7,109
Commercial and Industrial		44		13,119
Consumer		201		4,051
Other		1		2,504
Total Loans in Forbearance		515	$	142,882

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	Three Months Ended March 31, 2019
			Pre-		Post-
			Modification		Modification
	Number		Outstanding		Outstanding
	of		Recorded		Recorded		Related
	Contracts		Investment		Investment		Allowance
(Dollars in thousands)
Real Estate:
Residential		1	$	61	$	61	$	-

Impaired Financing Receivables [Table Text Block]

	March 31, 2020
					Unpaid		Average		Interest
	Recorded		Related		Principal		Recorded		Income
	Investment		Allowance		Balance		Investment		Recognized
(Dollars in thousands)
With No Related Allowance Recorded:
Real Estate:
Residential	$	1,495	$	-	$	1,500	$	1,498	$	17
Commercial		5,187		-		5,203		5,230		54
Construction		853		-		853		853		10
Commercial and Industrial		792		-		957		812		1
Total With No Related Allowance Recorded	$	8,327	$	-	$	8,513	$	8,393	$	82
With A Related Allowance Recorded:
Real Estate:
Commercial	$	1,619	$	392	$	1,619	$	1,630	$	19
Commercial and Industrial		1,636		259		1,636		1,648		24
Total With A Related Allowance Recorded	$	3,255	$	651	$	3,255	$	3,278	$	43
Total Impaired Loans:
Real Estate:
Residential	$	1,495	$	-	$	1,500	$	1,498	$	17
Commercial		6,806		392		6,822		6,860		73
Construction		853		-		853		853		10
Commercial and Industrial		2,428		259		2,593		2,460		25
Total Impaired Loans	$	11,582	$	651	$	11,768	$	11,671	$	125

	December 31, 2019
					Unpaid		Average		Interest
	Recorded		Related		Principal		Recorded		Income
	Investment		Allowance		Balance		Investment		Recognized
(Dollars in thousands)
With No Related Allowance Recorded:
Real Estate:
Residential	$	549	$	-	$	553	$	494	$	20
Commercial		3,058		-		3,077		3,335		177
Commercial and Industrial		133		-		135		156		6
Total With No Related Allowance Recorded	$	3,740	$	-	$	3,765	$	3,985	$	203
With A Related Allowance Recorded:
Real Estate:
Commercial	$	1,646	$	274	$	1,646	$	1,702	$	81
Commercial and Industrial		2,378		610		2,529		2,448		113
Total With A Related Allowance Recorded	$	4,024	$	884	$	4,175	$	4,150	$	194
Total Impaired Loans
Real Estate:
Residential	$	549	$	-	$	553	$	494	$	20
Commercial		4,704		274		4,723		5,037		258
Commercial and Industrial		2,511		610		2,664		2,604		119
Total Impaired Loans	$	7,764	$	884	$	7,940	$	8,135	$	397

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

	Real			Real		Real		Commercial
	Estate			Estate		Estate		and
	Residential			Commercial		Construction		Industrial			Consumer			Other		Unallocated		Total
(Dollars in thousands)
December 31, 2019	$	2,023		$	3,210	$	285	$	2,412		$	1,417		$	-	$	520	$	9,867
Charge-offs		(25	)		-		-		-			(99	)		-		-		(124	)
Recoveries		2			14		-		9			54			-		-		79
Provision		685			1,651		379		(829	)		507			-		107		2,500
March 31, 2020	$	2,685		$	4,875	$	664	$	1,592		$	1,879		$	-	$	627	$	12,322

	March 31, 2020
	Real		Real		Real		Commercial
	Estate		Estate		Estate		and
	Residential		Commercial		Construction		Industrial		Consumer		Other		Unallocated		Total
(Dollars in thousands)
Individually Evaluated for Impairment	$	-	$	392	$	-	$	259	$	-	$	-	$	-	$	651
Collectively Evaluated for Potential Impairment	$	2,685	$	4,483	$	664	$	1,333	$	1,879	$	-	$	627	$	11,671

	December 31, 2019
	Real		Real		Real		Commercial
	Estate		Estate		Estate		and
	Residential		Commercial		Construction		Industrial		Consumer		Other		Unallocated		Total
(Dollars in thousands)
Individually Evaluated for Impairment	$	-	$	274	$	-	$	610	$	-	$	-	$	-	$	884
Collectively Evaluated for Potential Impairment	$	2,023	$	2,936	$	285	$	1,802	$	1,417	$	-	$	520	$	8,983

	Real		Real			Real		Commercial
	Estate		Estate			Estate		and
	Residential		Commercial			Construction		Industrial			Consumer			Other		Unallocated		Total
(Dollars in thousands)
December 31, 2018	$	1,050	$	2,693		$	395	$	2,807		$	2,027		$	-	$	586	$	9,558
Charge-offs		-		-			-		-			(213	)		-		-		(213	)
Recoveries		4		13			-		1			24			-		-		42
Provision		100		(156	)		105		(255	)		(105	)		-		336		25
March 31, 2019	$	1,154	$	2,550		$	500	$	2,553		$	1,733		$	-	$	922	$	9,412

	March 31, 2019
	Real		Real		Real		Commercial
	Estate		Estate		Estate		and
	Residential		Commercial		Construction		Industrial		Consumer		Other		Unallocated		Total
(Dollars in thousands)
Individually Evaluated for Impairment	$	-	$	199	$	-	$	784	$	-	$	-	$	-	$	983
Collectively Evaluated for Potential Impairment	$	1,154	$	2,351	$	500	$	1,769	$	1,733	$	-	$	922	$	8,429

Schedule of Accretable Discount on Loans Acquired at Fair Value [Table Text Block]

	Accretable Discount
(Dollars in Thousands)
December 31, 2019	$	1,628
Accretable Yield		(76	)
March 31, 2020	$	1,552

Allowance for Credit Loss Individually Collectively Evaluated for Impairment [Table Text Block]

	March 31, 2020
	Real		Real		Real		Commercial
	Estate		Estate		Estate		and
	Residential		Commercial		Construction		Industrial		Consumer		Other		Total
(Dollars in thousands)
Individually Evaluated for Impairment	$	1,495	$	6,806	$	853	$	2,428	$	-	$	-	$	11,582
Collectively Evaluated for Potential Impairment		345,369		347,568		49,164		78,293		121,494		21,180		963,068
Total Loans	$	346,864	$	354,374	$	50,017	$	80,721	$	121,494	$	21,180	$	974,650

	December 31, 2019
	Real		Real		Real		Commercial
	Estate		Estate		Estate		and
	Residential		Commercial		Construction		Industrial		Consumer		Other		Total
(Dollars in thousands)
Individually Evaluated for Impairment	$	549	$	4,704	$	-	$	2,511	$	-	$	-	$	7,764
Collectively Evaluated for Potential Impairment		347,217		346,656		35,605		83,075		113,637		18,542		944,732
Total Loans	$	347,766	$	351,360	$	35,605	$	85,586	$	113,637	$	18,542	$	952,496