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Note 5 - Loans (Tables)

6 Months Ended

Jun. 30, 2016

Outstanding Loan Balances [Table Text Block]

(Amounts in thousands)	June 30,			December 31,
Loan Portfolio	2016			2015
Commercial	$	150,410		$	132,805
Commercial real estate:
Real estate - construction and land development		39,009			28,319
Real estate - commercial non-owner occupied		253,873			243,374
Real estate - commercial owner occupied		154,480			156,299
Residential real estate:
Real estate - residential - Individual Tax Identification Number (“ITIN”)		47,188			49,106
Real estate - residential - 1-4 family mortgage		10,862			11,390
Real estate - residential - equity lines		43,971			45,473
Consumer and other		54,347			49,873
Gross loans		754,140			716,639
Deferred fees and costs		1,028			870
Loans, net of deferred fees and costs		755,168			717,509
Allowance for loan and lease losses		(11,864	)		(11,180	)
Net loans	$	743,304		$	706,329

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
Past Due Loans at June 30, 2016	Due		Due		Due		Due		Current		Total		Accruing
Commercial	$	75	$	—	$	355	$	430	$	149,980	$	150,410	$	—
Commercial real estate:
Real estate - construction and land development		—		—		—		—		39,009		39,009		—
Real estate - commercial non-owner occupied		—		—		1,197		1,197		252,676		253,873		—
Real estate - commercial owner occupied		—		—		113		113		154,367		154,480		—
Residential real estate:
Real estate - residential - ITIN		411		—		1,010		1,421		45,767		47,188		—
Real estate - residential - 1-4 family mortgage		163		414		665		1,242		9,620		10,862		—
Real estate - residential - equity lines		335		37		43		415		43,556		43,971		—
Consumer and other		145		51		10		206		54,141		54,347		10
Total	$	1,129	$	502	$	3,393	$	5,024	$	749,116	$	754,140	$	10

					Greater								Recorded
		30-59		60-89	Than 90								Investment >
(Amounts in thousands)	Days Past		Days Past		Days Past		Total Past						90 Days and
Past Due Loans at 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 June 30, 2016
			Unpaid
(Amounts in thousands)	Recorded		Principal		Related
Impaired Loans	Investment		Balance		Allowance
With no related allowance recorded:
Commercial	$	1,710	$	2,467	$	—
Commercial real estate:
Real estate - commercial non-owner occupied		1,197		1,197		—
Real estate - commercial owner occupied		816		853		—
Residential real estate:
Real estate - residential - ITIN		6,703		8,377		—
Real estate - residential - 1-4 family mortgage		1,824		2,591		—
Real estate - residential - equity lines		1,138		1,454		—
Consumer and other		235		235		—
Total with no related allowance recorded	$	13,623	$	17,174	$	—
With an allowance recorded:
Commercial	$	1,199	$	1,834	$	91
Commercial real estate:
Real estate - commercial non-owner occupied		816		816		29
Real estate - commercial owner occupied		344		344		63
Residential real estate:
Real estate - residential - ITIN		2,360		2,365		434
Real estate - residential - equity lines		548		548		274
Consumer and other		31		31		12
Total with an allowance recorded	$	5,298	$	5,938	$	903
By loan class:
Commercial	$	2,909	$	4,301	$	91
Commercial real estate		3,173		3,210		92
Residential real estate		12,573		15,335		708
Consumer and other		266		266		12
Total impaired loans	$	18,921	$	23,112	$	903

	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
By loan class:
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)	June 30,		December 31,
Nonaccrual Loans	2016		2015
Commercial	$	2,149	$	1,994
Commercial real estate:
Real estate - commercial non-owner occupied		1,197		5,488
Real estate - commercial owner occupied		816		1,071
Residential real estate:
Real estate - residential - ITIN		3,664		3,649
Real estate - residential - 1-4 family mortgage		1,824		1,775
Real estate - residential - equity lines		995		—
Consumer and other		266		32
Total	$	10,911	$	14,009

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

	Three Months Ended				Three Months Ended
	June 30, 2016				June 30, 2015
	Average		Interest		Average		Interest
(Amounts in thousands)	Recorded		Income		Recorded		Income
Average Recorded Investment and Interest Income	Investment		Recognized		Investment		Recognized
Commercial	$	2,835	$	4	$	3,509	$	8
Commercial real estate:
Real estate - commercial non-owner occupied		2,016		12		7,722		12
Real estate - commercial owner occupied		1,401		6		2,284		19
Residential real estate:
Real estate - residential - ITIN		9,123		41		9,798		34
Real estate - residential - 1-4 family mortgage		1,761		—		1,703		—
Real estate - residential - equity lines		1,895		7		771		7
Consumer and other		109		—		34		—
Total	$	19,140	$	70	$	25,821	$	80

	Six Months Ended				Six Months Ended
	June 30, 2016				June 30, 2015
	Average		Interest		Average		Interest
(Amounts in thousands)	Recorded		Income		Recorded		Income
Average Recorded Investment and Interest Income	Investment		Recognized		Investment		Recognized
Commercial	$	2,525	$	4	$	4,436	$	21
Commercial real estate:
Real estate - commercial non-owner occupied		2,018		24		8,213		25
Real estate - commercial owner occupied		1,425		12		2,289		38
Residential real estate:
Real estate - residential - ITIN		9,141		82		9,921		66
Real estate - residential - 1-4 family mortgage		1,757		—		1,846		—
Real estate - residential - equity lines		1,507		13		773		14
Consumer and other		71		—		34		—
Total	$	18,444	$	135	$	27,512	$	164

Newly Restructured Loans [Table Text Block]

	For the Three Months Ended June 30, 2016								For the Three Months Ended June 30, 2015
(Amounts in thousands) Troubled Debt Restructuring Modification Types	Rate		Rate & Maturity		Rate& Payment Deferral		Total		Rate		Rate & Payment Deferral		Payment Deferral		Total
Commercial	$	—	$	1,058	$	—	$	1,058	$	—	$	—	$	—	$	—
Residential real estate:
Real estate - residential - ITIN		—		—		—		—		—		209		—		209
Total	$	—	$	1,058	$	—	$	1,058	$	—	$	209	$	—	$	209

	For the Six Months Ended June 30, 2016								For the Six Months Ended June 30, 2015
(Amounts in thousands) Troubled Debt Restructuring Modification Types	Rate		Rate & Maturity		Rate & Payment Deferral		Total		Rate		Rate & Payment Deferral		Payment Deferral		Total
Commercial	$	—	$	1,058	$	—	$	1,058	$	—	$	—	$	761	$	761
Residential real estate:
Real estate - residential - ITIN		—		—		—		—		112		262		104		478
Total	$	—	$	1,058	$	—	$	1,058	$	112	$	262	$	865	$	1,239

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	For the Three Months Ended June 30, 2016						For the Three Months Ended June 30, 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	$	1,127	$	1,127		—	$	—	$	—
Residential real estate:
Real estate - residential - ITIN		—		—		—		3		263		209
Total		1	$	1,127	$	1,127		3	$	263	$	209

	For the Six Months Ended June 30, 2016						For the Six Months Ended June 30, 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	$	1,127	$	1,127		1	$	823	$	823
Residential real estate:
Real estate - residential - ITIN		—		—		—		6		522		485
Total		1	$	1,127	$	1,127		7	$	1,345	$	1,308

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

	For the Three Months Ended				For the Three Months Ended
	June 30, 2016				June 30, 2015
(Amounts in thousands)	Number of		Recorded		Number of		Recorded
Troubled Debt Restructurings That Subsequently Defaulted	Contracts		Investment		Contracts		Investment
Commercial		—	$	—		1	$	695
Total		—	$	—		1	$	695

	For the Six Months Ended				For the Six Months Ended
	June 30, 2016				June 30, 2015
(Amounts in thousands)	Number of		Recorded		Number of		Recorded
Troubled Debt Restructurings That Subsequently Defaulted	Contracts		Investment		Contracts		Investment
Commercial		—	$	—		1	$	695
Total		—	$	—		1	$	695

Financing Receivable Credit Quality Indicators [Table Text Block]

(Amounts in thousands)	June 30, 2016
Performing and Nonperforming Loans	Performing		Nonperforming		Total
Commercial	$	148,261	$	2,149	$	150,410
Commercial real estate:
Real estate - construction and land development		39,009		—		39,009
Real estate - commercial non-owner occupied		252,676		1,197		253,873
Real estate - commercial owner occupied		153,664		816		154,480
Residential real estate:
Real estate - residential - ITIN		43,524		3,664		47,188
Real estate - residential - 1-4 family mortgage		9,038		1,824		10,862
Real estate - residential - equity lines		42,976		995		43,971
Consumer and other		54,071		276		54,347
Total	$	743,219	$	10,921	$	754,140

(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 June 30, 2016
					Special
(Amounts in thousands)	Pass		Watch		Mention		Substandard		Doubtful		Total
Commercial	$	123,230	$	15,760	$	8,458	$	2,962	$	—	$	150,410
Commercial real estate:
Real estate - construction and land development		38,480		529		—		—		—		39,009
Real estate - commercial non-owner occupied		248,578		944		1,352		2,999		—		253,873
Real estate - commercial owner occupied		143,723		8,821		593		1,343		—		154,480
Residential real estate:
Real estate - residential - ITIN		39,567		—		—		7,621		—		47,188
Real estate - residential - 1-4 family mortgage		8,521		517		—		1,824		—		10,862
Real estate - residential - equity lines		40,718		1,584		40		1,629		—		43,971
Consumer and other		54,045		2		—		300		—		54,347
Total	$	696,862	$	28,157	$	10,443	$	18,678	$	—	$	754,140

	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 June 30, 2016
(Amounts in thousands)				Commercial			Residential
ALLL by Portfolio	Commercial			Real Estate			Real Estate			Consumer			Unallocated		Total
Beginning balance	$	2,466		$	5,892		$	1,961		$	814		$	362	$	11,495
Charge offs		(1,020	)		(31	)		(478	)		(205	)		—		(1,734	)
Recoveries		1,496			475			105			27			—		2,103
Provision		(351	)		(307	)		283			127			248		—
Ending balance	$	2,591		$	6,029		$	1,871		$	763		$	610	$	11,864

	For the Three Months Ended June 30, 2015
(Amounts in thousands)				Commercial			Residential
ALLL by Portfolio	Commercial			Real Estate			Real Estate			Consumer			Unallocated		Total
Beginning balance	$	3,245		$	5,314		$	1,719		$	572		$	446	$	11,296
Charge offs		(354	)		(140	)		(126	)		(91	)		—		(711	)
Recoveries		722			74			7			14			—		817
Provision		(224	)		199			(120	)		88			57		—
Ending balance	$	3,389		$	5,447		$	1,480		$	583		$	503	$	11,402

	For the Six Months Ended June 30, 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		(1,106	)		(37	)		(550	)		(348	)		—		(2,041	)
Recoveries		78			2,480			86			81			—		2,725
Provision		1,126			(2,198	)		758			260			54		—
Ending balance	$	2,591		$	6,029		$	1,871		$	763		$	610	$	11,864

	For the Six Months Ended June 30, 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		(406	)		(139	)		(141	)		(204	)		—		(890	)
Recoveries		748			668			56			—			—		1,472
Provision		(456	)		43			(105	)		337			181		—
Ending balance	$	3,389		$	5,447		$	1,480		$	583		$	503	$	11,402

	As of June 30, 2016
			Commercial		Residential
(Amounts in thousands)	Commercial		Real Estate		Real Estate		Consumer		Unallocated		Total
ALLL:
Individually evaluated for impairment	$	91	$	92	$	708	$	12	$	—	$	903
Collectively evaluated for impairment		2,500		5,937		1,163		751		610		10,961
Total	$	2,591	$	6,029	$	1,871	$	763	$	610	$	11,864
Gross loans:
Individually evaluated for impairment	$	2,909	$	3,173	$	12,573	$	266	$	—	$	18,921
Collectively evaluated for impairment		147,501		444,189		89,448		54,081		—		735,219
Total gross loans	$	150,410	$	447,362	$	102,021	$	54,347	$	—	$	754,140

	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