Note 4 - Loans, Allowance for Credit Losses and Other Real Estate Owned (Tables)

9 Months Ended

Sep. 30, 2022

Notes Tables

Schedule of Loans Receivable [Table Text Block]

	At September 30,		At December 31,
	2022		2021
	(In thousands)
Commercial:
Paycheck Protection Program ("PPP") loans	$	6,095	$	45,888
Other		174,321		187,202
Total Commercial		180,416		233,090
Commercial Real Estate		492,749		535,261
Construction		2,635		48
Residential Real Estate		14,719		18,133
Consumer Installment & Other		288,514		281,594
Total	$	979,033	$	1,068,126

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

	Allowance for Credit Losses
	For the Three Months Ended September 30, 2022
										Consumer
				Commercial				Residential		Installment
	Commercial			Real Estate		Construction		Real Estate		and Other			Total
	(In thousands)
Allowance for credit losses:
Balance at beginning of period	$	6,536		$	5,916	$	96	$	35	$	9,730		$	22,313
(Reversal) provision		(164	)		14		32		-		118			-
Chargeoffs		-			-		-		-		(1,917	)		(1,917	)
Recoveries		72			14		-		-		736			822
Total allowance for credit losses	$	6,444		$	5,944	$	128	$	35	$	8,667		$	21,218

	Allowance for Credit Losses
	For the Nine Months Ended September 30, 2022
												Consumer
				Commercial					Residential			Installment
	Commercial			Real Estate			Construction		Real Estate			and Other			Total
	(In thousands)
Allowance for credit losses:
Balance at beginning of period	$	6,966		$	6,529		$	2	$	45		$	9,972		$	23,514
(Reversal) provision		(837	)		(631	)		126		(10	)		1,352			-
Chargeoffs		(20	)		-			-		-			(4,522	)		(4,542	)
Recoveries		335			46			-		-			1,865			2,246
Total allowance for credit losses	$	6,444		$	5,944		$	128	$	35		$	8,667		$	21,218

	Allowance for Credit Losses
	For the Three Months Ended September 30, 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	$	6,858		$	6,752		$	5		$	57		$	10,065		$	23,737
Provision (reversal)		10			(754	)		(3	)		(7	)		756			2
Chargeoffs		(56	)		-			-			-			(916	)		(972	)
Recoveries		80			705			-			-			330			1,115
Total allowance for credit losses	$	6,892		$	6,703		$	2		$	50		$	10,235		$	23,882

	Allowance for Credit Losses
	For the Nine Months Ended September 30, 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		(2,425	)		314		(4	)		3		2,114			2
Chargeoffs		(56	)		-		-			-		(2,176	)		(2,232	)
Recoveries		168			729		-			-		1,361			2,258
Total allowance for credit losses	$	6,892		$	6,703	$	2		$	50	$	10,235		$	23,882

Financing Receivable Credit Quality Indicators [Table Text Block]

	Credit Risk Profile by Internally Assigned Grade
	At September 30, 2022
	Commercial		Commercial Real Estate		Construction		Residential Real Estate		Consumer Installment and Other		Total
	(In thousands)
Grade:
Pass	$	179,923	$	480,476	$	2,635	$	13,669	$	286,386	$	963,089
Substandard		493		12,273		-		1,050		419		14,235
Doubtful		-		-		-		-		739		739
Loss		-		-		-		-		970		970
Total	$	180,416	$	492,749	$	2,635	$	14,719	$	288,514	$	979,033

	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

Financing Receivable, Past Due [Table Text Block]

	Summary of Loans by Delinquency and Nonaccrual Status
	At September 30, 2022
	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	$	179,272	$	1,041	$	53	$	-	$	50	$	180,416
Commercial real estate		491,955		367		371		-		56		492,749
Construction		2,635		-		-		-		-		2,635
Residential real estate		14,425		265		-		-		29		14,719
Consumer installment and other		282,954		3,739		990		769		62		288,514
Total	$	971,241	$	5,412	$	1,414	$	769	$	197	$	979,033

	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

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	Troubled Debt Restructurings
	At September 30, 2022
							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	$	1,760	$	-
Total		2	$	2,785	$	1,760	$	-

	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	$	-

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

	At September 30, 2022
															Line of
															Credit
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2018		2019		2020		2021		2022		Term Loans		Cost Basis		Total
	(In thousands)
Commercial loans by grade
Pass	$	33,823	$	7,392	$	13,442	$	18,059	$	62,055	$	16,533	$	151,304	$	28,619	$	179,923
Substandard		24		15		-		-		-		204		243		250		493
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	33,847	$	7,407	$	13,442	$	18,059	$	62,055	$	16,737	$	151,547	$	28,869	$	180,416

	At December 31, 2021
															Line of
															Credit
	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 September 30, 2022
															Line of
															Credit
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2018		2019		2020		2021		2022		Term Loans		Cost Basis		Total
	(In thousands)
Commercial real estate loans by grade
Pass	$	155,099	$	59,294	$	74,660	$	74,703	$	73,851	$	42,869	$	480,476	$	-	$	480,476
Substandard		8,354		-		832		810		-		2,277		12,273		-		12,273
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	163,453	$	59,294	$	75,492	$	75,513	$	73,851	$	45,146	$	492,749	$	-	$	492,749

	At December 31, 2021
															Line of
															Credit
	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 September 30, 2022
															Line of
															Credit
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2018		2019		2020		2021		2022		Term Loans		Cost Basis		Total
	(In thousands)
Residential real estate loans by grade
Pass	$	13,669	$	-	$	-	$	-	$	-	$	-	$	13,669	$	-	$	13,669
Substandard		1,050		-		-		-		-		-		1,050		-		1,050
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	14,719	$	-	$	-	$	-	$	-	$	-	$	14,719	$	-	$	14,719

	At December 31, 2021
															Line of
															Credit
	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 September 30, 2022
															Line of
															Credit
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2018		2019		2020		2021		2022		Term Loans		Cost Basis		Total
	(In thousands)
Construction loans by grade
Pass	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	2,635	$	2,635
Substandard		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	2,635	$	2,635

	At December 31, 2021
															Line of
															Credit
	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 September 30, 2022
															Line of
															Credit
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2018		2019		2020		2021		2022		Term Loans		Cost Basis		Total
	(In thousands)
Consumer installment and other loans by delinquency and nonaccrual status
Current	$	8,034	$	15,870	$	25,405	$	40,262	$	84,632	$	88,962	$	263,165	$	19,789	$	282,954
30-59 days past due		131		368		446		700		1,386		685		3,716		23		3,739
60-89 days past due		15		41		67		317		331		219		990		-		990
Past due 90 days or more		31		63		134		99		174		253		754		15		769
Nonaccrual		-		-		-		-		-		-		-		62		62
Total	$	8,211	$	16,342	$	26,052	$	41,378	$	86,523	$	90,119	$	268,625	$	19,889	$	288,514

	At December 31, 2021
															Line of
															Credit
	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