Note 3 - Loans and Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2021

Notes Tables

Schedule of Loans Receivable [Table Text Block]

	At December 31,
	2021		2020
	(In thousands)
Commercial:
Paycheck Protection Program ("PPP") loans	$	45,888	$	186,945
Other		187,202		207,861
Total Commercial		233,090		394,806
Commercial Real Estate		535,261		564,300
Construction		48		129
Residential Real Estate		18,133		23,471
Consumer Installment & Other		281,594		273,537
Total	$	1,068,126	$	1,256,243

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

	Allowance for Credit Losses
	For the Year Ended December 31, 2021
												Consumer
				Commercial					Residential			Installment
	Commercial			Real Estate		Construction			Real Estate			and Other			Total
	(In thousands)
Allowance for credit losses:
Balance at beginning of period	$	9,205		$	5,660	$	6		$	47		$	8,936		$	23,854
(Reversal) provision		(2,411	)		126		(4	)		(2	)		2,293			2
Chargeoffs		(56	)		-		-			-			(3,192	)		(3,248	)
Recoveries		228			743		-			-			1,935			2,906
Total allowance for credit losses	$	6,966		$	6,529	$	2		$	45		$	9,972		$	23,514

	Allowance for Credit Losses
	For the Year Ended December 31, 2020
												Consumer
				Commercial					Residential			Installment
	Commercial			Real Estate		Construction			Real Estate			and Other			Unallocated			Total
	(In thousands)
Allowance for credit losses:
Balance at beginning of period, prior to adoption of ASU 2016-13	$	4,959		$	4,064	$	109		$	206		$	6,445		$	3,701		$	19,484
Impact of adopting ASU 2016-13		3,385			618		(31	)		(132	)		1,878			(3,701	)		2,017
Adjusted beginning balance		8,344			4,682		78			74			8,323			-			21,501
Provision (reversal)		746			929		(72	)		(27	)		2,731			-			4,307
Chargeoffs		(236	)		-		-			-			(3,963	)		-			(4,199	)
Recoveries		351			49		-			-			1,845			-			2,245
Total allowance for credit losses	$	9,205		$	5,660	$	6		$	47		$	8,936		$	-		$	23,854

	Allowance for Loan Losses
	For the Twelve Months Ended December 31, 2019
													Consumer
				Commercial						Residential			Installment
	Commercial			Real Estate			Construction			Real Estate			and Other			Unallocated		Total
	(In thousands)
Allowance for loan losses:
Balance at beginning of period	$	6,311		$	3,884		$	1,465		$	869		$	5,645		$	3,177	$	21,351
(Reversal) provision		(2,023	)		(16	)		(1,356	)		(663	)		3,534			524		-
Chargeoffs		(97	)		-			-			-			(4,473	)		-		(4,570	)
Recoveries		768			196			-			-			1,739			-		2,703
Total allowance for loan losses	$	4,959		$	4,064		$	109		$	206		$	6,445		$	3,701	$	19,484

Financing Receivable Credit Quality Indicators [Table Text Block]

	Credit Risk Profile by Internally Assigned Grade
	At December 31, 2021
	Commercial		Commercial Real Estate		Construction		Residential Real Estate		Consumer Installment and Other		Total
	(In thousands)
Grade:
Pass	$	232,710	$	521,300	$	48	$	16,874	$	278,922	$	1,049,854
Substandard		380		13,961		-		1,259		1,207		16,807
Doubtful		-		-		-		-		931		931
Loss		-		-		-		-		534		534
Total	$	233,090	$	535,261	$	48	$	18,133	$	281,594	$	1,068,126

	Credit Risk Profile by Internally Assigned Grade
	At December 31, 2020
	Commercial		Commercial Real Estate		Construction		Residential Real Estate		Consumer Installment and Other		Total
	(In thousands)
Grade:
Pass	$	386,144	$	545,398	$	129	$	22,105	$	270,925	$	1,224,701
Substandard		8,662		18,902		-		1,366		1,498		30,428
Doubtful		-		-		-		-		543		543
Loss		-		-		-		-		571		571
Total	$	394,806	$	564,300	$	129	$	23,471	$	273,537	$	1,256,243

Financing Receivable, Past Due [Table Text Block]

	Summary of Loans by Delinquency and Nonaccrual Status
	At December 31, 2021
	Current and Accruing		30-59 Days Past Due and Accruing		60-89 Days Past Due and Accruing		Past Due 90 Days or More and Accruing		Nonaccrual		Total Loans
	(In thousands)
Commercial	$	232,444	$	383	$	263	$	-	$	-	$	233,090
Commercial real estate		534,748		223		-		-		290		535,261
Construction		48		-		-		-		-		48
Residential real estate		17,855		141		-		-		137		18,133
Consumer installment and other		276,793		3,184		1,013		339		265		281,594
Total	$	1,061,888	$	3,931	$	1,276	$	339	$	692	$	1,068,126

	Summary of Loans by Delinquency and Nonaccrual Status
	At December 31, 2020
	Current and Accruing		30-59 Days Past Due and Accruing		60-89 Days Past Due and Accruing		Past Due 90 Days or More and Accruing		Nonaccrual		Total Loans
	(In thousands)
Commercial	$	394,004	$	713	$	6	$	-	$	83	$	394,806
Commercial real estate		560,580		-		-		-		3,720		564,300
Construction		129		-		-		-		-		129
Residential real estate		22,269		770		271		-		161		23,471
Consumer installment and other		270,240		2,010		472		450		365		273,537
Total	$	1,247,222	$	3,493	$	749	$	450	$	4,329	$	1,256,243

Impaired Financing Receivables Supplemental Schedule [Table Text Block]

	Impaired Loans
	For the Year Ended
	December 31, 2019
	Average		Recognized
	Recorded		Interest
	Investment		Income
	(In thousands)
Commercial	$	8,412	$	140
Commercial real estate		7,428		139
Residential real estate		191		3
Consumer installment and other		44		1
Total	$	16,075	$	283

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	Troubled Debt Restructurings
	At December 31, 2021
							Period-End
							Individual
	Number of		Pre-Modification		Period-End		Credit Loss
	Contracts		Carrying Value		Carrying Value		Allowance
	($ in thousands)
Commercial real estate		2	$	2,785	$	1,793	$	-
Residential real estate		1		241		172		-
Total		3	$	3,026	$	1,965	$	-

	Troubled Debt Restructurings
	At December 31, 2020
							Period-End
							Individual
	Number of		Pre-Modification		Period-End		Credit Loss
	Contracts		Carrying Value		Carrying Value		Allowance
	($ in thousands)
Commercial real estate		6	$	8,367	$	6,040	$	-
Residential real estate		1		241		181		-
Total		7	$	8,608	$	6,221	$	-

Financing Receivable, Loans by Risk Category [Table Text Block]

	At December 31, 2021
															Revolving
															Loans
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2017		2018		2019		2020		2021		Term Loans		Cost Basis		Total
	(In thousands)
Commercial loans by grade
Pass	$	34,784	$	3,999	$	8,690	$	16,919	$	30,694	$	98,799	$	193,885	$	38,825	$	232,710
Substandard		32		-		-		-		-		57		89		291		380
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	34,816	$	3,999	$	8,690	$	16,919	$	30,694	$	98,856	$	193,974	$	39,116	$	233,090

	At December 31, 2021
															Revolving
															Loans
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2017		2018		2019		2020		2021		Term Loans		Cost Basis		Total
	(In thousands)
Commercial real estate loans by grade
Pass	$	116,181	$	87,921	$	78,200	$	78,647	$	83,642	$	76,709	$	521,300	$	-	$	521,300
Substandard		10,993		-		-		2,016		823		129		13,961		-		13,961
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	127,174	$	87,921	$	78,200	$	80,663	$	84,465	$	76,838	$	535,261	$	-	$	535,261

	At December 31, 2021
															Revolving
															Loans
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2017		2018		2019		2020		2021		Term Loans		Cost Basis		Total
	(In thousands)
Construction loans by grade
Pass	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	48	$	48
Substandard		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	48	$	48

	At December 31, 2021
															Revolving
															Loans
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2017		2018		2019		2020		2021		Term Loans		Cost Basis		Total
	(In thousands)
Residential Real Estate loans by grade
Pass	$	16,874	$	-	$	-	$	-	$	-	$	-	$	16,874	$	-	$	16,874
Substandard		1,259		-		-		-		-		-		1,259		-		1,259
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	18,133	$	-	$	-	$	-	$	-	$	-	$	18,133	$	-	$	18,133

	At December 31, 2021
															Revolving
															Loans
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2017		2018		2019		2020		2021		Term Loans		Cost Basis		Total
	(In thousands)
Consumer installment and other loans by delinquency and nonaccrual status
Current	$	7,884	$	10,162	$	25,932	$	37,999	$	58,178	$	113,899	$	254,054	$	22,739	$	276,793
30-59 days past due		197		139		634		504		662		1,034		3,170		14		3,184
60-89 days past due		5		20		156		150		186		408		925		88		1,013
Past due 90 days or more		1		17		81		62		109		40		310		29		339
Nonaccrual		-		-		-		-		-		-		-		265		265
Total	$	8,087	$	10,338	$	26,803	$	38,715	$	59,135	$	115,381	$	258,459	$	23,135	$	281,594