Note 5 - Loans (Tables)

9 Months Ended

Sep. 30, 2016

Notes Tables

Outstanding Loan Balances [Table Text Block]

(Amounts in thousands)	September 30,			December 31,
Loan Portfolio	2016			2015
Commercial	$	136,235		$	132,805
Commercial real estate:
Real estate - construction and land development		48,365			28,319
Real estate - commercial non-owner occupied		281,977			243,374
Real estate - commercial owner occupied		160,474			156,299
Residential real estate:
Real estate - residential - Individual Tax Identification Number (“ITIN”)		46,458			49,106
Real estate - residential - 1-4 family mortgage		10,770			11,390
Real estate - residential - equity lines		42,363			45,473
Consumer and other		52,377			49,873
Gross loans		779,019			716,639
Deferred fees and costs		1,155			870
Loans, net of deferred fees and costs		780,174			717,509
Allowance for loan and lease losses		(11,849	)		(11,180	)
Net loans	$	768,325		$	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
September 30, 2016	Due		Due		Due		Due		Current		Total		Accruing
Commercial	$	299	$	—	$	—	$	299	$	135,936	$	136,235	$	—
Commercial real estate:
Real estate - construction and land development		—		—		—		—		48,365		48,365		—
Real estate - commercial non-owner occupied		—		—		1,196		1,196		280,781		281,977		—
Real estate - commercial owner occupied		—		—		113		113		160,361		160,474		—
Residential real estate:
Real estate - residential - ITIN		664		159		979		1,802		44,656		46,458		—
Real estate - residential - 1-4 family mortgage		155		405		665		1,225		9,545		10,770		—
Real estate - residential - equity lines		181		35		—		216		42,147		42,363		—
Consumer and other		291		73		—		364		52,013		52,377		—
Total	$	1,590	$	672	$	2,953	$	5,215	$	773,804	$	779,019	$	—

					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 September 30, 2016
			Unpaid
(Amounts in thousands)	Recorded		Principal		Related
Impaired Loans	Investment		Balance		Allowance
With no related allowance recorded:
Commercial	$	1,728	$	2,562	$	—
Commercial real estate:
Real estate - commercial non-owner occupied		1,196		1,196		—
Real estate - commercial owner occupied		800		847		—
Residential real estate:
Real estate - residential - ITIN		6,252		7,881		—
Real estate - residential - 1-4 family mortgage		1,798		2,585		—
Real estate - residential - equity lines		1,085		1,411		—
Consumer and other		222		225		—
Total with no related allowance recorded	$	13,081	$	16,707	$	—
With an allowance recorded:
Commercial	$	707	$	707	$	74
Commercial real estate:
Real estate - commercial non-owner occupied		811		811		24
Real estate - commercial owner occupied		341		341		64
Residential real estate:
Real estate - residential - ITIN		2,420		2,465		481
Real estate - residential - equity lines		543		543		271
Consumer and other		30		30		11
Total with an allowance recorded	$	4,852	$	4,897	$	925
By loan class:
Commercial	$	2,435	$	3,269	$	74
Commercial real estate		3,148		3,195		88
Residential real estate		12,098		14,885		752
Consumer and other		252		255		11
Total impaired loans	$	17,933	$	21,604	$	925

	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 - 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)	September 30,		December 31,
Nonaccrual Loans	2016		2015
Commercial	$	1,710	$	1,994
Commercial real estate:
Real estate - commercial non-owner occupied		1,196		5,488
Real estate - commercial owner occupied		800		1,071
Residential real estate:
Real estate - residential - ITIN		3,392		3,649
Real estate - residential - 1-4 family mortgage		1,798		1,775
Real estate - residential - equity lines		942		—
Consumer and other		252		32
Total	$	10,090	$	14,009

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

	Three Months Ended				Three Months Ended
	September 30, 2016				September 30, 2015
	Average		Interest		Average		Interest
(Amounts in thousands)	Recorded		Income		Recorded		Income
Average Recorded Investment and Interest Income	Investment		Recognized		Investment		Recognized
Commercial	$	2,601	$	10	$	2,885	$	—
Commercial real estate:
Real estate - commercial non-owner occupied		2,010		12		6,874		12
Real estate - commercial owner occupied		1,147		6		2,281		15
Residential real estate:
Real estate - residential - ITIN		8,831		42		9,616		36
Real estate - residential - 1-4 family mortgage		1,808		—		1,677		—
Real estate - residential - equity lines		1,661		7		742		6
Consumer and other		257		—		33		—
Total	$	18,315	$	77	$	24,108	$	69

	Nine Months Ended				Nine Months Ended
	September 30, 2016				September 30, 2015
	Average		Interest		Average		Interest
(Amounts in thousands)	Recorded		Income		Recorded		Income
Average Recorded Investment and Interest Income	Investment		Recognized		Investment		Recognized
Commercial	$	2,551	$	14	$	3,919	$	22
Commercial real estate:
Real estate - commercial non-owner occupied		2,015		35		7,767		37
Real estate - commercial owner occupied		1,333		19		2,286		52
Residential real estate:
Real estate - residential - ITIN		9,037		124		9,819		102
Real estate - residential - 1-4 family mortgage		1,774		—		1,790		—
Real estate - residential - equity lines		1,558		20		763		20
Consumer and other		133		—		34		—
Total	$	18,401	$	212	$	26,378	$	233

Newly Restructured Loans [Table Text Block]

	For the Three Months Ended September 30, 2016								For the Three Months Ended September 30, 2015
(Amounts in thousands)													Rate &
Troubled Debt Restructuring Modification Types	Maturity		Rate & Maturity		Principal Reduction		Total		Rate		Rate & Maturity		Payment Deferral		Payment Deferral		Total
Commercial	$	139	$	—	$	—	$	139	$	—	$	45	$	—	$	—	$	45
Residential real estate:
Real estate - residential - ITIN		—		—		82		82		—		—		—		103		103
Total	$	139	$	—	$	82	$	221	$	—	$	45	$	—	$	103	$	148

	For the Nine Months Ended September 30, 2016										For the Nine Months Ended September 30, 2015
(Amounts in thousands)															Rate &
Troubled Debt Restructuring Modification Types	Maturity		Rate & Maturity		Principal Reduction		Payment Deferral		Total		Rate		Rate & Maturity		Payment Deferral		Payment Deferral		Total
Commercial	$	139	$	951	$	—	$	—	$	1,090	$	—	$	45	$	—	$	734	$	779
Residential real estate:
Real estate - residential - ITIN		—		—		82		118		200		115		—		266		206		587
Total	$	139	$	951	$	82	$	118	$	1,290	$	115	$	45	$	266	$	940	$	1,366

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	For the Three Months Ended September 30, 2016						For the Three Months Ended September 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	$	135	$	147		1	$	49	$	49
Residential real estate:
Real estate - residential - ITIN		1		97		82		2		225		193
Total		2	$	232	$	229		3	$	274	$	242

	For the Nine Months Ended September 30, 2016						For the Nine Months Ended September 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		2	$	1,262	$	1,273		2	$	872	$	872
Residential real estate:
Real estate - residential - ITIN		2		267		252		8		747		678
Total		4	$	1,529	$	1,525		10	$	1,619	$	1,550

Financing Receivable Credit Quality Indicators [Table Text Block]

(Amounts in thousands)	September 30, 2016
Performing and Nonperforming Loans	Performing		Nonperforming		Total
Commercial	$	134,525	$	1,710	$	136,235
Commercial real estate:
Real estate - construction and land development		48,365		—		48,365
Real estate - commercial non-owner occupied		280,781		1,196		281,977
Real estate - commercial owner occupied		159,674		800		160,474
Residential real estate:
Real estate - residential - ITIN		43,066		3,392		46,458
Real estate - residential - 1-4 family mortgage		8,972		1,798		10,770
Real estate - residential - equity lines		41,421		942		42,363
Consumer and other		52,125		252		52,377
Total	$	768,929	$	10,090	$	779,019

(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 September 30, 2016
					Special
(Amounts in thousands)	Pass		Watch		Mention		Substandard		Doubtful		Total
Commercial	$	113,413	$	10,871	$	7,850	$	4,101	$	—	$	136,235
Commercial real estate:
Real estate - construction and land development		47,834		531		—		—		—		48,365
Real estate - commercial non-owner occupied		276,775		880		1,336		2,986		—		281,977
Real estate - commercial owner occupied		152,098		6,555		499		1,322		—		160,474
Residential real estate:
Real estate - residential - ITIN		39,149		—		—		7,309		—		46,458
Real estate - residential - 1-4 family mortgage		8,459		514		—		1,797		—		10,770
Real estate - residential - equity lines		39,170		1,578		43		1,572		—		42,363
Consumer and other		52,079		3		—		295		—		52,377
Total	$	728,977	$	20,932	$	9,728	$	19,382	$	—	$	779,019

	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 September 30, 2016
(Amounts in thousands)				Commercial		Residential
ALLL by Portfolio	Commercial			Real Estate		Real Estate			Consumer			Unallocated			Total
Beginning balance	$	2,591		$	6,029	$	1,871		$	763		$	610		$	11,864
Charge offs		—			—		(130	)		(227	)		—			(357	)
Recoveries		305			—		18			19			—			342
Provision		(491	)		512		45			171			(237	)		—
Ending balance	$	2,405		$	6,541	$	1,804		$	726		$	373		$	11,849

	For the Three Months Ended September 30, 2015
(Amounts in thousands)				Commercial			Residential
ALLL by Portfolio	Commercial			Real Estate			Real Estate			Consumer			Unallocated			Total
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 Nine Months Ended September 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	)		(680	)		(575	)		—			(2,398	)
Recoveries		383			2,481			104			99			—			3,067
Provision		635			(1,687	)		803			432			(183	)		—
Ending balance	$	2,405		$	6,541		$	1,804		$	726		$	373		$	11,849

	For the Nine Months Ended September 30, 2015
(Amounts in thousands)				Commercial			Residential
ALLL by Portfolio	Commercial			Real Estate			Real Estate			Consumer			Unallocated		Total
Beginning balance	$	3,503		$	4,875		$	1,671		$	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

	As of September 30, 2016
			Commercial		Residential
(Amounts in thousands)	Commercial		Real Estate		Real Estate		Consumer		Unallocated		Total
ALLL:
Individually evaluated for impairment	$	74	$	88	$	752	$	11	$	—	$	925
Collectively evaluated for impairment		2,331		6,453		1,052		715		373		10,924
Total	$	2,405	$	6,541	$	1,804	$	726	$	373	$	11,849
Gross loans:
Individually evaluated for impairment	$	2,435	$	3,148	$	12,098	$	252	$	—	$	17,933
Collectively evaluated for impairment		133,800		487,668		87,493		52,125		—		761,086
Total gross loans	$	136,235	$	490,816	$	99,591	$	52,377	$	—	$	779,019

	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