Note 5 - Loans (Tables)

3 Months Ended

Mar. 31, 2016

Receivables [Abstract]

Outstanding Loan Balances [Table Text Block]

(Amounts in thousands)	March 31,			December 31,
Loan Portfolio	2016			2015
Commercial	$	136,721		$	132,805
Commercial real estate:
Real estate - construction and land development		27,554			28,319
Real estate - commercial non-owner occupied		247,840			243,374
Real estate - commercial owner occupied		154,484			156,299
Residential real estate:
Real estate - residential - Individual Tax Identification Number (“ITIN”)		48,384			49,106
Real estate - residential - 1-4 family mortgage		10,947			11,390
Real estate - residential - equity lines		44,327			45,473
Consumer and other		53,986			49,873
Gross loans		724,243			716,639
Deferred fees and costs		985			870
Loans, net of deferred fees and costs		725,228			717,509
Allowance for loan and lease losses		(11,495	)		(11,180	)
Net loans	$	713,733		$	706,329

Past Due Financing Receivables [Table Text Block]

					Greater								Recorded
(Amounts in thousands)	30-59		60-89		Than 90								Investment >
Past Due Loans at	Days Past		Days Past		Days Past		Total Past						90 Days and
March 31, 2016	Due		Due		Due		Due		Current		Total		Accruing
Commercial	$	605	$	244	$	623	$	1,472	$	135,249	$	136,721	$	—
Commercial real estate:
Real estate - construction and land development		—		—		—		—		27,554		27,554		—
Real estate - commercial non-owner occupied		—		—		1,197		1,197		246,643		247,840		—
Real estate - commercial owner occupied		368		—		—		368		154,116		154,484		—
Residential real estate:
Real estate - residential - ITIN		728		238		881		1,847		46,537		48,384		—
Real estate - residential - 1-4 family mortgage		—		372		665		1,037		9,910		10,947		—
Real estate - residential - equity lines		291		453		—		744		43,583		44,327		—
Consumer and other		148		65		—		213		53,773		53,986		—
Total	$	2,140	$	1,372	$	3,366	$	6,878	$	717,365	$	724,243	$	—

					Greater								Recorded
(Amounts in thousands)	30-59		60-89		Than 90								Investment >
Past Due Loans at	Days Past		Days Past		Days Past		Total Past						90 Days and
December 31, 2015	Due		Due		Due		Due		Current		Total		Accruing
Commercial	$	—	$	30	$	634	$	664	$	132,141	$	132,805	$	—
Commercial real estate:
Real estate - construction and land development		—		—		—		—		28,319		28,319		—
Real estate - commercial non-owner occupied		64		—		5,665		5,729		237,645		243,374		—
Real estate - commercial owner occupied		—		—		1,071		1,071		155,228		156,299		—
Residential real estate:
Real estate - residential - ITIN		1,018		118		850		1,986		47,120		49,106		—
Real estate - residential - 1-4 family mortgage		—		404		871		1,275		10,115		11,390		—
Real estate - residential - equity lines		137		97		—		234		45,239		45,473		—
Consumer and other		150		50		88		288		49,585		49,873		88
Total	$	1,369	$	699	$	9,179	$	11,247	$	705,392	$	716,639	$	88

Impaired Financing Receivables [Table Text Block]

	As of March 31, 2016
			Unpaid
(Amounts in thousands)	Recorded		Principal		Related
Impaired Loans	Investment		Balance		Allowance
With no related allowance recorded:
Commercial	$	1,908	$	2,232	$	—
Commercial real estate:
Real estate - commercial non-owner occupied		1,197		1,197		—
Real estate - commercial owner occupied		1,190		1,952		—
Residential real estate:
Real estate - residential - ITIN		7,282		8,923		—
Real estate - residential - 1-4 family mortgage		1,742		2,543		—
Real estate - residential - equity lines		143		143		—
Total with no related allowance recorded	$	13,462	$	16,990	$	—
With an allowance recorded:
Commercial	$	695	$	766	$	124
Commercial real estate:
Real estate - commercial non-owner occupied		821		821		32
Real estate - commercial owner occupied		347		347		62
Residential real estate:
Real estate - residential - ITIN		1,924		1,958		308
Real estate - residential - equity lines		1,822		1,822		530
Consumer and other		31		31		12
Total with an allowance recorded	$	5,640	$	5,745	$	1,068
Subtotal:
Commercial	$	2,603	$	2,998	$	124
Commercial real estate		3,555		4,317		94
Residential real estate		12,913		15,389		838
Consumer and other		31		31		12
Total impaired loans	$	19,102	$	22,735	$	1,068

	As of December 31, 2015
(Amounts in thousands)	Recorded		Principal		Related
Impaired Loans	Investment		Balance		Allowance
With no related allowance recorded:
Commercial	$	1,282	$	1,519	$	—
Commercial real estate:
Real estate - commercial non-owner occupied		5,488		6,226		—
Real estate - commercial owner occupied		1,071		1,794		—
Residential real estate:
Real estate - residential - ITIN		7,063		8,662		—
Real estate - residential - 1-4 family mortgage		1,775		2,775		—
Real estate - residential - equity lines		142		142		—
Consumer and other		—		—		—
Total with no related allowance recorded	$	16,821	$	21,118	$	—
With an allowance recorded:
Commercial	$	761	$	820	$	122
Commercial real estate:
Real estate - commercial non-owner occupied		824		824		35
Real estate - commercial owner occupied		350		350		62
Residential real estate:
Real estate - residential - ITIN		2,044		2,089		321
Real estate - residential - 1-4 family mortgage
Real estate - residential - equity lines		558		558		279
Consumer and other		32		32		13
Total with an allowance recorded	$	4,569	$	4,673	$	832
Subtotal:
Commercial	$	2,043	$	2,339	$	122
Commercial real estate		7,733		9,194		97
Residential real estate		11,582		14,226		600
Consumer and other		32		32		13
Total impaired loans	$	21,390	$	25,791	$	832

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

(Amounts in thousands)	March 31,		December 31,
Nonaccrual Loans	2016		2015
Commercial	$	2,563	$	1,994
Commercial real estate:
Real estate - commercial non-owner occupied		1,197		5,488
Real estate - commercial owner occupied		1,190		1,071
Residential real estate:
Real estate - residential - ITIN		3,705		3,649
Real estate - residential - 1-4 family mortgage		1,742		1,775
Real estate - residential - equity lines		1,270		—
Consumer and other		31		32
Total	$	11,698	$	14,009

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

	Three Months Ended				Three Months Ended
	March 31, 2016				March 31, 2015
	Average		Interest		Average		Interest
(Amounts in thousands)	Recorded		Income		Recorded		Income
Average Recorded Investment and Interest Income	Investment		Recognized		Investment		Recognized
Commercial	$	2,215	$	1	$	5,363	$	20
Commercial real estate:
Real estate - commercial non-owner occupied		2,020		12		8,705		13
Real estate - commercial owner occupied		1,449		6		2,292		19
Residential real estate:
Real estate - residential - ITIN		9,158		40		10,045		33
Real estate - residential - 1-4 family mortgage		1,753		—		1,988		—
Real estate - residential - equity lines		1,120		6		776		7
Consumer and other		32		—		35		—
Total	$	17,747	$	65	$	29,204	$	92

Newly Restructured Loans [Table Text Block]

	For the Three Months Ended March 31, 2016				For the Three Months Ended March 31, 2015
(Amounts in thousands)	Payment				Payment
Troubled Debt Restructuring Modification Types	Deferral		Total		Deferral		Total
Commercial	$	—	$	—	$	787	$	787
Residential real estate:
Real estate - residential - ITIN		—		—		274		274
Total	$	—	$	—	$	1,061	$	1,061

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	For the Three Months Ended March 31, 2016						For the Three Months Ended March 31, 2015
			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	$	823	$	823
Residential real estate:
Real estate - residential - ITIN		—		—		—		3		259		275
Total		—	$	—	$	—		4	$	1,082	$	1,098

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

	For the Three Months Ended				For the Three Months Ended
	March 31, 2016				March 31, 2015
(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	$	52
Total		—	$	—		1	$	52

Financing Receivable Credit Quality Indicators [Table Text Block]

(Amounts in thousands)	March 31, 2016
Performing and Nonperforming Loans	Performing		Nonperforming		Total
Commercial	$	134,158	$	2,563	$	136,721
Commercial real estate:
Real estate - construction and land development		27,554		—		27,554
Real estate - commercial non-owner occupied		246,643		1,197		247,840
Real estate - commercial owner occupied		153,294		1,190		154,484
Residential real estate:
Real estate - residential - ITIN		44,679		3,705		48,384
Real estate - residential - 1-4 family mortgage		9,205		1,742		10,947
Real estate - residential - equity lines		43,057		1,270		44,327
Consumer and other		53,955		31		53,986
Total	$	712,545	$	11,698	$	724,243

(Amounts in thousands)	December 31, 2015
Performing and Nonperforming Loans	Performing		Nonperforming		Total
Commercial	$	130,811	$	1,994	$	132,805
Commercial real estate:
Real estate - construction and land development		28,319		—		28,319
Real estate - commercial non-owner occupied		237,886		5,488		243,374
Real estate - commercial owner occupied		155,228		1,071		156,299
Residential real estate:
Real estate - residential - ITIN		45,457		3,649		49,106
Real estate - residential - 1-4 family mortgage		9,615		1,775		11,390
Real estate - residential - equity lines		45,473		—		45,473
Consumer and other		49,753		120		49,873
Total	$	702,542	$	14,097	$	716,639

Financing Receivable Credit Quality Indicator [Table Text Block]

	As of March 31, 2016
					Special
(Amounts in thousands)	Pass		Watch		Mention		Substandard		Doubtful		Total
Commercial	$	110,209	$	13,595	$	10,092	$	2,825	$	—	$	136,721
Commercial real estate:
Real estate - construction and land development		27,136		418		—		—		—		27,554
Real estate - commercial non-owner occupied		242,940		936		952		3,012		—		247,840
Real estate - commercial owner occupied		146,093		5,636		1,219		1,536		—		154,484
Residential real estate:
Real estate - residential - ITIN		40,638		—		—		7,746		—		48,384
Real estate - residential - 1-4 family mortgage		8,630		—		575		1,742		—		10,947
Real estate - residential - equity lines		40,405		1,733		—		2,189		—		44,327
Consumer and other		53,673		5		244		64		—		53,986
Total	$	669,724	$	22,323	$	13,082	$	19,114	$	—	$	724,243

	As of December 31, 2015
					Special
(Amounts in thousands)	Pass		Watch		Mention		Substandard		Doubtful		Total
Commercial	$	108,696	$	10,240	$	9,587	$	4,282	$	—	$	132,805
Commercial real estate:
Real estate - construction and land development		28,291		28		—		—		—		28,319
Real estate - commercial non-owner occupied		234,177		917		1,588		6,692		—		243,374
Real estate - commercial owner occupied		149,327		3,864		1,687		1,421		—		156,299
Residential real estate:
Real estate - residential - ITIN		41,480		—		—		7,626		—		49,106
Real estate - residential - 1-4 family mortgage		9,041		—		575		1,774		—		11,390
Real estate - residential - equity lines		41,149		1,760		1,682		882		—		45,473
Consumer and other		49,551		—		256		66		—		49,873
Total	$	661,712	$	16,809	$	15,375	$	22,743	$	—	$	716,639

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

	For the Three Months Ended March 31, 2016
(Amounts in thousands)				Commercial			Residential
ALLL by Portfolio	Commercial			Real Estate			Real Estate			Consumer			Unallocated			Total
Beginning balance	$	2,493		$	5,784		$	1,577		$	770		$	556		$	11,180
Charge offs		(85	)		(6	)		(73	)		(143	)		—			(307	)
Recoveries		32			528			8			54			—			622
Provision		26			(414	)		449			133			(194	)		—
Ending balance	$	2,466		$	5,892		$	1,961		$	814		$	362		$	11,495

	For the Three Months Ended March 31, 2015
(Amounts in thousands)				Commercial			Residential
ALLL by Portfolio	Commercial			Real Estate			Real Estate			Consumer			Unallocated		Total
Beginning balance	$	3,503		$	4,875		$	1,670		$	450		$	322	$	10,820
Charge offs		(52	)		—			(15	)		(112	)		—		(179	)
Recoveries		26			594			35			—			—		655
Provision		(232	)		(155	)		29			234			124		—
Ending balance	$	3,245		$	5,314		$	1,719		$	572		$	446	$	11,296

	As of March 31, 2016
			Commercial		Residential
(Amounts in thousands)	Commercial		Real Estate		Real Estate		Consumer		Unallocated		Total
ALLL:
Individually evaluated for impairment	$	124	$	94	$	838	$	12	$	—	$	1,068
Collectively evaluated for impairment		2,342		5,798		1,123		802		362		10,427
Total	$	2,466	$	5,892	$	1,961	$	814	$	362	$	11,495
Gross loans:
Individually evaluated for impairment	$	2,603	$	3,555	$	12,913	$	31	$	—	$	19,102
Collectively evaluated for impairment		134,118		426,323		90,745		53,955		—		705,141
Total gross loans	$	136,721	$	429,878	$	103,658	$	53,986	$	—	$	724,243

	As of December 31, 2015
			Commercial		Residential
(Amounts in thousands)	Commercial		Real Estate		Real Estate		Consumer		Unallocated		Total
ALLL:
Individually evaluated for impairment	$	122	$	97	$	600	$	13	$	—	$	832
Collectively evaluated for impairment		2,371		5,687		977		757		556		10,348
Total	$	2,493	$	5,784	$	1,577	$	770	$	556	$	11,180
Gross loans:
Individually evaluated for impairment	$	2,043	$	7,733	$	11,582	$	32	$	—	$	21,390
Collectively evaluated for impairment		130,762		420,259		94,387		49,841		—		695,249
Total gross loans	$	132,805	$	427,992	$	105,969	$	49,873	$	—	$	716,639