Note 6 - Loans (Tables)

9 Months Ended

Sep. 30, 2015

Receivables [Abstract]

Outstanding Loan Balances [Table Text Block]

	September 30,			December 31,
(Amounts in thousands)	2015			2014
Commercial	$	144,749		$	150,253
Commercial real estate:
Real estate - construction and land development		29,701			30,099
Real estate - commercial non-owner occupied		237,597			213,883
Real estate - commercial owner occupied		151,762			120,324
Residential real estate:
Real estate - residential - ITIN		50,162			52,830
Real estate - residential - 1-4 family mortgage		12,185			13,156
Real estate - residential - equity lines		45,733			44,981
Consumer and other		46,644			35,372
Gross loans		718,533			660,898
Deferred fees and costs, net		718			157
Loans, net of deferred fees and costs		719,251			661,055
Allowance for loan and lease losses		(10,891	)		(10,820	)
Net loans	$	708,360		$	650,235

Past Due Financing Receivables [Table Text Block]

					Greater								Recorded
	30-59		60-89		Than 90								Investment >
(Amounts in thousands)	Days Past		Days Past		Days Past		Total Past						90 Days and
September 30, 2015	Due		Due		Due		Due		Current		Total		Accruing
Commercial	$	346	$	171	$	606	$	1,123	$	143,626	$	144,749	$	—
Commercial real estate:
Real estate - construction and land development		—		—		—		—		29,701		29,701		—
Real estate - commercial non-owner occupied		1,262		—		5,330		6,592		231,005		237,597		—
Real estate - commercial owner occupied		15		—		1,928		1,943		149,819		151,762		—
Residential real estate:
Real estate - residential - ITIN		971		104		1,221		2,296		47,866		50,162		—
Real estate - residential - 1-4 family mortgage		—		394		665		1,059		11,126		12,185		—
Real estate - residential - equity lines		82		98		23		203		45,530		45,733		—
Consumer and other		133		42		52		227		46,417		46,644		52
Total gross loans	$	2,809	$	809	$	9,825	$	13,443	$	705,090	$	718,533	$	52

					Greater								Recorded
	30-59		60-89		Than 90								Investment >
(Amounts in thousands)	Days Past		Days Past		Days Past		Total Past						90 Days and
December 31, 2014	Due		Due		Due		Due		Current		Total		Accruing
Commercial	$	2,421	$	301	$	2,161	$	4,883	$	145,370	$	150,253	$	—
Commercial real estate:
Real estate - construction and land development		—		—		—		—		30,099		30,099		—
Real estate - commercial non-owner occupied		—		—		7,086		7,086		206,797		213,883		—
Real estate - commercial owner occupied		—		—		1,378		1,378		118,946		120,324		—
Residential real estate:
Real estate - residential - ITIN		1,080		122		2,017		3,219		49,611		52,830		—
Real estate - residential - 1-4 family mortgage		—		—		1,580		1,580		11,576		13,156		—
Real estate - residential - equity lines		145		99		24		268		44,713		44,981		—
Consumer and other		158		57		23		238		35,134		35,372		23
Total gross loans	$	3,804	$	579	$	14,269	$	18,652	$	642,246	$	660,898	$	23

Impaired Financing Receivables [Table Text Block]

	As of September 30, 2015
			Unpaid
	Recorded		Principal		Related
(Amounts in thousands)	Investment		Balance		Allowance
With no related allowance recorded:
Commercial	$	1,772	$	2,349	$	—
Commercial real estate:
Real estate - commercial non-owner occupied		5,154		6,157		—
Real estate - commercial owner occupied		1,928		2,651		—
Residential real estate:
Real estate - residential - ITIN		7,874		9,555		—
Real estate - residential - 1-4 family mortgage		1,669		2,629		—
Real estate - residential - equity lines		165		167		—
Total with no related allowance recorded	$	18,562	$	23,508	$	—
With an allowance recorded:
Commercial	$	790	$	838	$	134
Commercial real estate:
Real estate - commercial non-owner occupied		828		828		39
Real estate - commercial owner occupied		352		352		20
Residential real estate:
Real estate - residential - ITIN		1,777		1,791		301
Real estate - residential - equity lines		563		564		282
Consumer and other		33		33		13
Total with an allowance recorded	$	4,343	$	4,406	$	789
Subtotal:
Commercial	$	2,562	$	3,187	$	134
Commercial real estate		8,262		9,988		59
Residential real estate		12,048		14,706		583
Consumer and other		33		33		13
Total impaired loans	$	22,905	$	27,914	$	789

	As of December 31, 2014
	Recorded		Principal		Related
(Amounts in thousands)	Investment		Balance		Allowance
With no related allowance recorded:
Commercial	$	4,298	$	8,461	$	—
Commercial real estate:
Real estate - commercial non-owner occupied		6,909		10,207		—
Real estate - commercial owner occupied		1,378		2,102		—
Residential real estate:
Real estate - residential - ITIN		7,106		8,803		—
Real estate - residential - 1-4 family mortgage		1,608		2,578		—
Real estate - residential - equity lines		201		202		—
Total with no related allowance recorded	$	21,500	$	32,353	$	—
With an allowance recorded:
Commercial	$	2,299	$	2,317	$	314
Commercial real estate:
Real estate - commercial non-owner occupied		2,248		2,846		411
Real estate - commercial owner occupied		1,218		1,218		21
Residential real estate:
Real estate - residential - ITIN		3,002		3,103		503
Real estate - residential - 1-4 family mortgage		527		537		3
Real estate - residential - equity lines		579		579		289
Consumer and other		35		35		15
Total with an allowance recorded	$	9,908	$	10,635	$	1,556
Subtotal:
Commercial	$	6,597	$	10,778	$	314
Commercial real estate		11,753		16,373		432
Residential real estate		13,023		15,802		795
Consumer and other		35		35		15
Total impaired loans	$	31,408	$	42,988	$	1,556

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]

	September 30,		December 31,
(Amounts in thousands)	2015		2014
Commercial	$	2,506	$	5,112
Commercial real estate:
Real estate - commercial non-owner occupied		5,154		8,318
Real estate - commercial owner occupied		1,928		1,378
Residential real estate:
Real estate - residential - ITIN		4,228		4,647
Real estate - residential - 1-4 family mortgage		1,669		2,135
Real estate - residential - equity lines		23		24
Consumer and other		33		35
Total	$	15,541	$	21,649

Average Recorded Investment and Interest Income Recognized on Impaired Loans by Loan Class [Table Text Block]

	Three Months Ended				Three Months Ended
	September 30, 2015				September 30, 2014
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
(Amounts in thousands)	Investment		Recognized		Investment		Recognized
Commercial	$	2,885	$	—	$	6,511	$	13
Commercial real estate:
Real estate - commercial non-owner occupied		6,874		12		10,055		11
Real estate - commercial owner occupied		2,281		15		5,271		20
Residential real estate:
Real estate - residential - ITIN		9,616		36		—		—
Real estate - residential - 1-4 family mortgage		1,677		—		12,197		30
Real estate - residential - equity lines		742		6		1,155		8
Consumer and other		33		—		29		—
Total	$	24,108	$	69	$	35,218	$	82

	Nine Months Ended				Nine Months Ended
	September 30, 2015				September 30, 2014
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
(Amounts in thousands)	Investment		Recognized		Investment		Recognized
Commercial	$	3,919	$	22	$	5,848	$	15
Commercial real estate:
Real estate - commercial non-owner occupied		7,767		37		11,948		155
Real estate - commercial owner occupied		2,286		52		6,112		58
Residential real estate:
Real estate - residential - ITIN		9,819		102		—		—
Real estate - residential - 1-4 family mortgage		1,790		—		12,179		83
Real estate - residential - equity lines		763		20		1,238		25
Consumer and other		34		—		19		—
Total	$	26,378	$	233	$	37,344	$	336

Newly Restructured Loans [Table Text Block]

	For the Three Months Ended September 30, 2015										For the Three Months Ended September 30, 2014
					Rate &										Rate &
			Rate &		Payment		Payment						Rate &		Payment
(Amounts in thousands)	Rate		Maturity		Deferral		Deferral		Total		Rate		Maturity		Deferral		Total
Commercial	$	—	$	45	$	—	$	—	$	45	$	—	$	5,165	$	—	$	5,165
Residential real estate:
Real estate - residential - ITIN		—		—		—		103		103		57		—		38		95
Total	$	—	$	45	$	—	$	103	$	148	$	57	$	5,165	$	38	$	5,260

	For the Nine Months Ended September 30, 2015										For the Nine Months Ended September 30, 2014
					Rate &										Rate &
			Rate &		Payment		Payment						Rate &		Payment
(Amounts in thousands)	Rate		Maturity		Deferral		Deferral		Total		Rate		Maturity		Deferral		Total
Commercial	$	—	$	45	$	—	$	734	$	779	$	—	$	5,165	$	—	$	5,165
Residential real estate:
Real estate - residential - ITIN		115		—		266		206		587		209		—		39		248
Total	$	115	$	45	$	266	$	940	$	1,366	$	209	$	5,165	$	39	$	5,413

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	For the Three Months Ended September 30, 2015						For the Three Months Ended September 30, 2014
			Pre-		Post-				Pre-		Post-
			Modification		Modification				Modification		Modification
			Outstanding		Outstanding				Outstanding		Outstanding
(Amounts in thousands)	Number of		Recorded		Recorded		Number of		Recorded		Recorded
Troubled Debt Restructurings	Contracts		Investment		Investment		Contracts		Investment		Investment
Commercial		1	$	49	$	49		2	$	9,070	$	9,070
Residential real estate:
Real estate - residential - ITIN		2		225		193		2		113		113
Total		3	$	274	$	242		4	$	9,183	$	9,183

	For the Nine Months Ended September 30, 2015						For the Nine Months Ended September 30, 2014
			Pre-		Post-				Pre-		Post-
			Modification		Modification				Modification		Modification
			Outstanding		Outstanding				Outstanding		Outstanding
(Amounts in thousands)	Number of		Recorded		Recorded		Number of		Recorded		Recorded
Troubled Debt Restructurings	Contracts		Investment		Investment		Contracts		Investment		Investment
Commercial		2	$	872	$	872		2	$	9,070	$	9,070
Residential real estate:
Real estate - residential - ITIN		8		747		678		4		263		267
Total		10	$	1,619	$	1,550		6	$	9,333	$	9,337

Financing Receivables Modified As Troubled Debt Restructurings With Payment Default [Table Text Block]

	For the Three Months Ended				For the Three Months Ended
	September 30, 2015				September 30, 2014
(Amounts in thousands)	Number of		Recorded		Number of		Recorded
Troubled Debt Restructurings That Subsequently Defaulted	Contracts		Investment		Contracts		Investment
Residential real estate:
Real estate - residential - ITIN		—	$	—		1	$	53
Total		—	$	—		1	$	53

	For the Nine Months Ended				For the Nine Months Ended
	September 30, 2015				September 30, 2014
(Amounts in thousands)	Number of		Recorded		Number of		Recorded
Troubled Debt Restructurings That Subsequently Defaulted	Contracts		Investment		Contracts		Investment
Residential real estate:
Real estate - residential - ITIN		—	$	—		2	$	139
Total		—	$	—		2	$	139

Financing Receivable Credit Quality Indicators [Table Text Block]

	September 30, 2015
(Amounts in thousands)	Performing		Nonperforming		Total
Commercial	$	142,243	$	2,506	$	144,749
Commercial real estate:
Real estate - construction and land development		29,701		—		29,701
Real estate - commercial non-owner occupied		232,443		5,154		237,597
Real estate - commercial owner occupied		149,834		1,928		151,762
Residential real estate:
Real estate - residential - ITIN		45,934		4,228		50,162
Real estate - residential - 1-4 family mortgage		10,516		1,669		12,185
Real estate - residential - equity lines		45,710		23		45,733
Consumer and other		46,559		85		46,644
Total gross loans	$	702,940	$	15,593	$	718,533

	December 31, 2014
(Amounts in thousands)	Performing		Nonperforming		Total
Commercial	$	145,141	$	5,112	$	150,253
Commercial real estate:
Real estate - construction and land development		30,099		—		30,099
Real estate - commercial non-owner occupied		205,565		8,318		213,883
Real estate - commercial owner occupied		118,946		1,378		120,324
Residential real estate:
Real estate - residential - ITIN		48,183		4,647		52,830
Real estate - residential - 1-4 family mortgage		11,021		2,135		13,156
Real estate - residential - equity lines		44,957		24		44,981
Consumer and other		35,314		58		35,372
Total gross loans	$	639,226	$	21,672	$	660,898

Financing Receivable Credit Quality Indicator [Table Text Block]

	As of September 30, 2015
					Special
(Amounts in thousands)	Pass		Watch		Mention		Substandard		Doubtful		Total
Commercial	$	119,969	$	11,330	$	6,644	$	6,806	$	—	$	144,749
Commercial real estate:
Real estate - construction and land development		29,669		32		—		—		—		29,701
Real estate - commercial non-owner occupied		227,725		694		2,827		6,351		—		237,597
Real estate - commercial owner occupied		143,882		3,752		1,848		2,280		—		151,762
Residential real estate:
Real estate - residential - ITIN		41,908		—		—		8,254		—		50,162
Real estate - residential - 1-4 family mortgage		9,694		—		576		1,915		—		12,185
Real estate - residential - equity lines		41,416		1,724		1,683		910		—		45,733
Consumer and other		46,307		—		269		68		—		46,644
Total gross loans	$	660,570	$	17,532	$	13,847	$	26,584	$	—	$	718,533

	As of December 31, 2014
	Pass		Watch		Special
(Amounts in thousands)	(Restated)		(Restated)		Mention		Substandard		Doubtful		Total
Commercial	$	121,282	$	14,116	$	4,018	$	10,837	$	—	$	150,253
Commercial real estate:
Real estate - construction and land development		30,056		43		—		—		—		30,099
Real estate - commercial non-owner occupied		201,155		1,953		869		9,906		—		213,883
Real estate - commercial owner occupied		111,689		5,864		—		2,771		—		120,324
Residential real estate:
Real estate - residential - ITIN		42,721		—		—		10,109		—		52,830
Real estate - residential - 1-4 family mortgage		10,769		—		—		2,387		—		13,156
Real estate - residential - equity lines		41,624		2,380		—		977		—		44,981
Consumer and other		35,279		3		18		72		—		35,372
Total gross loans	$	594,575	$	24,359	$	4,905	$	37,059	$	—	$	660,898

Allowance for Credit Losses on Financing Receivables [Table Text Block]

	For the Three Months Ended September 30, 2015
				Commercial			Residential
(Amounts in thousands)	Commercial			Real Estate			Real Estate			Consumer			Unallocated			Total
ALLL:
Beginning balance	$	3,389		$	5,447		$	1,480		$	583		$	503		$	11,402
Charge offs		—			(289	)		(309	)		(181	)		—			(779	)
Recoveries		121			1			139			7			—			268
Provision		(91	)		64			(45	)		194			(122	)		—
Ending balance	$	3,419		$	5,223		$	1,265		$	603		$	381		$	10,891

	For the Three Months Ended September 30, 2014
				Commercial			Residential
(Amounts in thousands)	Commercial			Real Estate			Real Estate			Consumer			Unallocated		Total
ALLL:
Beginning balance	$	3,331		$	3,870		$	2,333		$	238		$	110	$	9,882
Charge offs		(299	)		(241	)		(44	)		(1	)		—		(585	)
Recoveries		43			1			9			—			—		53
Provision		364			625			(95	)		124			32		1,050
Ending balance	$	3,439		$	4,255		$	2,203		$	361		$	142	$	10,400

	For the Nine Months Ended September 30, 2015
				Commercial			Residential
(Amounts in thousands)	Commercial			Real Estate			Real Estate			Consumer			Unallocated		Total
ALLL:
Beginning balance	$	3,503		$	4,875		$	1,671		$	449		$	322	$	10,820
Charge offs		(406	)		(428	)		(450	)		(385	)		—		(1,669	)
Recoveries		869			669			202			—			—		1,740
Provision		(547	)		107			(158	)		539			59		—
Ending balance	$	3,419		$	5,223		$	1,265		$	603		$	381	$	10,891

	For the Nine Months Ended September 30, 2014
				Commercial			Residential
(Amounts in thousands)	Commercial			Real Estate			Real Estate			Consumer			Unallocated			Total
ALLL:
Beginning balance	$	7,057		$	2,784		$	2,493		$	35		$	1,803		$	14,172
Charge offs		(4,105	)		(2,525	)		(313	)		(1	)		—			(6,944	)
Recoveries		500			1			171			—			—			672
Provision		(13	)		3,995			(148	)		327			(1,661	)		2,500
Ending balance	$	3,439		$	4,255		$	2,203		$	361		$	142		$	10,400

	As of September 30, 2015
			Commercial		Residential
(Amounts in thousands)	Commercial		Real Estate		Real Estate		Consumer		Unallocated		Total
ALLL:
Individually evaluated for impairment	$	134	$	59	$	583	$	13	$	—	$	789
Collectively evaluated for impairment		3,285		5,164		682		590		381		10,102
Total	$	3,419	$	5,223	$	1,265	$	603	$	381	$	10,891
Gross loans:
Individually evaluated for impairment	$	2,562	$	8,262	$	12,048	$	33	$	—	$	22,905
Collectively evaluated for impairment		142,187		410,798		96,032		46,611		—		695,628
Total gross loans	$	144,749	$	419,060	$	108,080	$	46,644	$	—	$	718,533

	As of December 31, 2014
			Commercial		Residential
(Amounts in thousands)	Commercial		Real Estate		Real Estate		Consumer		Unallocated		Total
ALLL:
Individually evaluated for impairment	$	314	$	432	$	795	$	15	$	—	$	1,556
Collectively evaluated for impairment		3,189		4,443		875		435		322		9,264
Total	$	3,503	$	4,875	$	1,670	$	450	$	322	$	10,820
Gross loans:
Individually evaluated for impairment	$	6,597	$	11,753	$	13,023	$	35	$	—	$	31,408
Collectively evaluated for impairment		143,656		352,553		97,944		35,337		—		629,490
Total gross loans	$	150,253	$	364,306	$	110,967	$	35,372	$	—	$	660,898