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Note 5 - Loans (Tables)
 3 Months Ended
Mar. 31, 2017
Notes Tables  
Outstanding Loan Balances [Table Text Block]
(Amounts in thousands)
 
March 31,
 
 
December 31,
 
Loan Portfolio
 
2017
 
 
2016
 
Commercial
   $
145,635
     $
153,844
  
Commercial real estate:
                
Real estate - construction and land development
    
46,228
      
57,771
  
Real estate - commercial non-owner occupied
    
305,802
      
287,455
  
Real estate - commercial owner occupied
    
164,166
      
151,516
  
Residential real estate:
                
Real estate - residential - Individual Tax Identification Number (“ITIN”)
    
44,211
      
45,566
  
Real estate - residential - 1-4 family mortgage
    
19,710
      
20,425
  
Real estate - residential - equity lines
    
33,019
      
35,953
  
Consumer and other
    
51,423
      
51,681
  
Gross loans
    
810,194
      
804,211
  
Deferred fees and costs
    
1,446
      
1,324
  
Loans, net of deferred fees and costs
    
811,640
      
805,535
  
Allowance for loan and lease losses
    
(11,641
 )    
(11,544
 )
Net loans
   $
799,999
     $
793,991
  
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, 2017
 
Due
 
 
Due
 
 
Due
 
 
Due
 
 
Current
 
 
Total
 
 
Accruing
 
Commercial
   $
—
     $
—
     $
—
     $
—
     $
145,635
     $
145,635
     $
—
  
Commercial real estate:
                                                        
Real estate - construction and land development
    
—
      
—
      
—
      
—
      
46,228
      
46,228
      
—
  
Real estate - commercial non-owner occupied
    
—
      
—
      
1,196
      
1,196
      
304,606
      
305,802
      
—
  
Real estate - commercial owner occupied
    
147
      
—
      
—
      
147
      
164,019
      
164,166
      
—
  
Residential real estate:
                                                        
Real estate - residential - ITIN
    
664
      
90
      
857
      
1,611
      
42,600
      
44,211
      
—
  
Real estate - residential - 1-4 family mortgage
    
140
      
—
      
853
      
993
      
18,717
      
19,710
      
—
  
Real estate - residential - equity lines
    
121
      
—
      
—
      
121
      
32,898
      
33,019
      
—
  
Consumer and other
    
165
      
77
      
—
      
242
      
51,181
      
51,423
      
—
  
Total
   $
1,237
     $
167
     $
2,906
     $
4,310
     $
805,884
     $
810,194
     $
—
  
 
 
 
 
 
 
 
 
 
 
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, 2016
 
Due
 
 
Due
 
 
Due
 
 
Due
 
 
Current
 
 
Total
 
 
Accruing
 
Commercial
   $
51
     $
—
     $
—
     $
51
     $
153,793
     $
153,844
     $
—
  
Commercial real estate:
                                                        
Real estate - construction and land development
    
—
      
—
      
—
      
—
      
57,771
      
57,771
      
—
  
Real estate - commercial non-owner occupied
    
—
      
—
      
1,196
      
1,196
      
286,259
      
287,455
      
—
  
Real estate - commercial owner occupied
    
—
      
—
      
114
      
114
      
151,402
      
151,516
      
—
  
Residential real estate:
                                                        
Real estate - residential - ITIN
    
567
      
80
      
1,149
      
1,796
      
43,770
      
45,566
      
—
  
Real estate - residential - 1-4 family mortgage
    
147
      
—
      
856
      
1,003
      
19,422
      
20,425
      
—
  
Real estate - residential - equity lines
    
68
      
36
      
48
      
152
      
35,801
      
35,953
      
—
  
Consumer and other
    
166
      
70
      
11
      
247
      
51,434
      
51,681
      
—
  
Total
  $
999
     $
186
     $
3,374
     $
4,559
     $
799,652
     $
804,211
     $
—
  
Impaired Financing Receivables [Table Text Block]
 
 
As of March 31, 2017
 
 
 
 
 
 
 
Unpaid
 
 
 
 
 
(Amounts in thousands)
 
Recorded
 
 
Principal
 
 
Related
 
Impaired Loans
 
Investment
 
 
Balance
 
 
Allowance
 
With no related reserve recorded:
                        
Commercial
  $
1,613
     $
2,511
     $
—
  
Commercial real estate:
                        
Real estate - commercial non-owner occupied
    
1,196
      
1,196
      
—
  
Real estate - commercial owner occupied
    
654
      
685
      
—
  
Residential real estate:
                        
Real estate - residential - ITIN
    
5,893
      
7,560
      
—
  
Real estate - residential - 1-4 family mortgage
    
1,337
      
2,142
      
—
  
Real estate - residential - equity lines
    
906
      
1,341
      
—
  
Total with no related allowance recorded
   $
11,599
     $
15,435
     $
—
  
                         
With an allowance recorded:
                        
Commercial
  $
1,662
     $
1,674
     $
491
  
Commercial real estate:
                        
Real estate - commercial non-owner occupied
    
808
      
808
      
142
  
Residential real estate:
                        
Real estate - residential - ITIN
    
2,199
      
2,271
      
403
  
Real estate - residential - equity lines
    
450
      
450
      
225
  
Consumer and other
    
39
      
39
      
13
  
Total with an allowance recorded
   $
5,158
     $
5,242
     $
1,274
  
                         
By loan class:
                        
Commercial
   $
3,275
     $
4,185
     $
491
  
Commercial real estate
    
2,658
      
2,689
      
142
  
Residential real estate
    
10,785
      
13,764
      
628
  
Consumer and other
    
39
      
39
      
13
  
Total impaired loans
   $
16,757
     $
20,677
     $
1,274
  
 
 
As of December 31, 2016
 
(Amounts in thousands)
 
Recorded
 
 
Principal
 
 
Related
 
Impaired Loans
 
Investment
 
 
Balance
 
 
Allowance
 
With no related reserve recorded:
                        
Commercial
  $
1,573
     $
2,438
     $
—
  
Commercial real estate:
                        
Real estate - commercial non-owner occupied
    
1,196
      
1,196
      
—
  
Real estate - commercial owner occupied
    
784
      
841
      
—
  
Residential real estate:
                        
Real estate - residential - ITIN
    
6,047
      
7,685
      
—
  
Real estate - residential - 1-4 family mortgage
    
1,914
      
2,722
      
—
  
Real estate - residential - equity lines
    
917
      
1,342
      
—
  
Consumer and other
    
210
      
216
      
—
  
Total with no related allowance recorded
   $
12,641
     $
16,440
     $
—
  
                         
With an allowance recorded:
                        
Commercial
  $
1,952
     $
1,957
     $
641
  
Commercial real estate:
                        
Real estate - commercial non-owner occupied
    
808
      
808
      
21
  
Real estate - commercial owner occupied
    
337
      
337
      
64
  
Residential real estate:
                        
Real estate - residential - ITIN
    
2,562
      
2,617
      
494
  
Real estate - residential - equity lines
    
454
      
454
      
227
  
Consumer and other
    
40
      
40
      
14
  
Total with an allowance recorded
   $
6,153
     $
6,213
     $
1,461
  
                         
By loan class:
                        
Commercial
   $
3,525
     $
4,395
     $
641
  
Commercial real estate
    
3,125
      
3,182
      
85
  
Residential real estate
    
11,894
      
14,820
      
721
  
Consumer and other
    
250
      
256
      
14
  
Total impaired loans
   $
18,794
     $
22,653
     $
1,461
  
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]
(Amounts in thousands)
 
March 31,
 
 
December 31,
 
Nonaccrual Loans
 
2017
 
 
2016
 
Commercial
  $
2,534
     $
2,749
  
Commercial real estate:
                
Real estate - commercial non-owner occupied
    
1,196
      
1,196
  
Real estate - commercial owner occupied
    
654
      
784
  
Residential real estate:
                
Real estate - residential - ITIN
    
3,331
      
3,576
  
Real estate - residential - 1-4 family mortgage
    
1,337
      
1,914
  
Real estate - residential - equity lines
    
906
      
917
  
Consumer and other
    
39
      
250
  
Total
   $
9,997
     $
11,386
  
Average Recorded Investment and Interest Income Recognized on Impaired Loans by Loan Class [Table Text Block]
 
 
Three Months Ended
 
 
Three Months Ended
 
 
 
March 31, 2017
 
 
March 31, 2016
 
 
 
Average
 
 
Interest
 
 
Average
 
 
Interest
 
(Amounts in thousands)
 
Recorded
 
 
Income
 
 
Recorded
 
 
Income
 
Average Recorded Investment and Interest Income
 
Investment
 
 
Recognized
 
 
Investment
 
 
Recognized
 
Commercial
  $
3,396
     $
10
     $
2,215
     $
1
  
Commercial real estate:
                                
Real estate - commercial non-owner occupied
    
2,004
      
11
      
2,020
      
12
  
Real estate - commercial owner occupied
    
809
      
2
      
1,449
      
6
  
Residential real estate:
                                
Real estate - residential - ITIN
    
8,272
      
40
      
9,158
      
40
  
Real estate - residential - 1-4 family mortgage
    
1,728
      
—
      
1,753
      
—
  
Real estate - residential - equity lines
    
1,361
      
5
      
1,120
      
6
  
Consumer and other
    
175
      
—
      
32
      
—
  
Total
   $
17,745
     $
68
     $
17,747
     $
65
  
Financing Receivable Credit Quality Indicators [Table Text Block]
(Amounts in thousands)
 
March 31, 2017
 
Performing and Nonperforming Loans
 
Performing
 
 
Nonperforming
 
 
Total
 
Commercial
  $
143,101
     $
2,534
     $
145,635
  
Commercial real estate:
                        
Real estate - construction and land development
    
46,228
      
—
      
46,228
  
Real estate - commercial non-owner occupied
    
304,606
      
1,196
      
305,802
  
Real estate - commercial owner occupied
    
163,512
      
654
      
164,166
  
Residential real estate:
                        
Real estate - residential - ITIN
    
40,880
      
3,331
      
44,211
  
Real estate - residential - 1-4 family mortgage
    
18,373
      
1,337
      
19,710
  
Real estate - residential - equity lines
    
32,113
      
906
      
33,019
  
Consumer and other
    
51,384
      
39
      
51,423
  
Total
  $
800,197
     $
9,997
     $
810,194
  
(Amounts in thousands)
 
December 31, 2016
 
Performing and Nonperforming Loans
 
Performing
 
 
Nonperforming
 
 
Total
 
Commercial
  $
151,095
     $
2,749
     $
153,844
  
Commercial real estate:
                        
Real estate - construction and land development
    
57,771
      
—
      
57,771
  
Real estate - commercial non-owner occupied
    
286,259
      
1,196
      
287,455
  
Real estate - commercial owner occupied
    
150,732
      
784
      
151,516
  
Residential real estate:
                        
Real estate - residential - ITIN
    
41,990
      
3,576
      
45,566
  
Real estate - residential - 1-4 family mortgage
    
18,511
      
1,914
      
20,425
  
Real estate - residential - equity lines
    
35,036
      
917
      
35,953
  
Consumer and other
    
51,431
      
250
      
51,681
  
Total
  $
792,825
     $
11,386
     $
804,211
  
Financing Receivable Credit Quality Indicator [Table Text Block]
 
 
As of March 31, 2017
 
 
 
 
 
 
 
 
 
 
 
Special
 
 
 
 
 
 
 
 
 
 
 
 
 
(Amounts in thousands)
 
Pass
 
 
Watch
 
 
Mention
 
 
Substandard
 
 
Doubtful
 
 
Total
 
Commercial
  $
102,548
     $
33,887
     $
6,012
     $
3,188
     $
—
     $
145,635
  
Commercial real estate:
                                                
Real estate - construction and land development
    
42,375
      
3,853
      
—
      
—
      
—
      
46,228
  
Real estate - commercial non-owner occupied
    
296,187
      
5,351
      
499
      
3,765
      
—
      
305,802
  
Real estate - commercial owner occupied
    
152,754
      
10,092
      
489
      
831
      
—
      
164,166
  
Residential real estate:
                                                
Real estate - residential - ITIN
    
37,427
      
—
      
—
      
6,784
      
—
      
44,211
  
Real estate - residential - 1-4 family mortgage
    
17,564
      
809
      
—
      
1,337
      
—
      
19,710
  
Real estate - residential - equity lines
    
29,678
      
2,018
      
70
      
1,253
      
—
      
33,019
  
Consumer and other
    
51,356
      
2
      
—
      
65
      
—
      
51,423
  
Total
  $
729,889
     $
56,012
     $
7,070
     $
17,223
     $
—
     $
810,194
  
 
 
As of December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
Special
 
 
 
 
 
 
 
 
 
 
 
 
 
(Amounts in thousands)
 
Pass
 
 
Watch
 
 
Mention
 
 
Substandard
 
 
Doubtful
 
 
Total
 
Commercial
  $
124,089
     $
21,684
     $
4,570
     $
3,501
     $
—
     $
153,844
  
Commercial real estate:
                                                
Real estate - construction and land development
    
57,761
      
10
      
—
      
—
      
—
      
57,771
  
Real estate - commercial non-owner occupied
    
277,765
      
5,398
      
1,321
      
2,971
      
—
      
287,455
  
Real estate - commercial owner occupied
    
142,419
      
7,301
      
496
      
1,300
      
—
      
151,516
  
Residential real estate:
                                                
Real estate - residential - ITIN
    
38,279
      
—
      
—
      
7,287
      
—
      
45,566
  
Real estate - residential - 1-4 family mortgage
    
17,696
      
815
      
—
      
1,914
      
—
      
20,425
  
Real estate - residential - equity lines
    
33,828
      
858
      
—
      
1,267
      
—
      
35,953
  
Consumer and other
    
51,398
      
2
      
—
      
281
      
—
      
51,681
  
Total
  $
743,235
     $
36,068
     $
6,387
     $
18,521
     $
—
     $
804,211
  
Allowance for Credit Losses on Financing Receivables [Table Text Block]
 
 
For the Three Months Ended March 31, 2017
 
(Amounts in thousands)
 
 
 
 
 
Commercial
 
 
Residential
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL by Loan Class
 
Commercial
 
 
Real Estate
 
 
Real Estate
 
 
Consumer
 
 
Unallocated
 
 
Total
 
Beginning balance
   $
2,849
     $
5,578
     $
1,716
     $
955
     $
446
     $
11,544
  
Charge-offs
    
(51
 )    
—
      
(169
 )    
(227
 )    
—
      
(447
 )
Recoveries
    
199
      
27
      
75
      
43
      
—
      
344
  
Provision
    
(348
 )    
358
      
(132
 )    
303
      
19
      
200
  
Ending balance
   $
2,649
     $
5,963
     $
1,490
     $
1,074
     $
465
     $
11,641
  
 
 
For the Three Months Ended March 31, 2016
 
(Amounts in thousands)
 
 
 
 
 
Commercial
 
 
Residential
 
 
 
 
 
 
 
 
 
 
 
 
 
ALLL by Loan Class
 
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
  
 
 
As of March 31, 2017
 
 
 
 
 
 
 
Commercial
 
 
Residential
 
 
 
 
 
 
 
 
 
 
 
 
 
(Amounts in thousands)
 
Commercial
 
 
Real Estate
 
 
Real Estate
 
 
Consumer
 
 
Unallocated
 
 
Total
 
ALLL:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
   $
491
     $
142
     $
628
     $
13
     $
—
     $
1,274
  
Collectively evaluated for impairment
    
2,158
      
5,821
      
862
      
1,061
      
465
      
10,367
  
Total
   $
2,649
     $
5,963
     $
1,490
     $
1,074
     $
465
     $
11,641
  
Gross loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
   $
3,275
     $
2,658
     $
10,785
     $
39
     $
—
     $
16,757
  
Collectively evaluated for impairment
    
142,360
      
513,538
      
86,155
      
51,384
      
—
      
793,437
  
Total gross loans
   $
145,635
     $
516,196
     $
96,940
     $
51,423
     $
—
     $
810,194
  
 
 
As of December 31, 2016
 
 
 
 
 
 
 
Commercial
 
 
Residential
 
 
 
 
 
 
 
 
 
 
 
 
 
(Amounts in thousands)
 
Commercial
 
 
Real Estate
 
 
Real Estate
 
 
Consumer
 
 
Unallocated
 
 
Total
 
ALLL:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
   $
641
     $
85
     $
721
     $
14
     $
—
     $
1,461
  
Collectively evaluated for impairment
    
2,208
      
5,493
      
995
      
941
      
446
      
10,083
  
Total
   $
2,849
     $
5,578
     $
1,716
     $
955
     $
446
     $
11,544
  
Gross loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
   $
3,525
     $
3,125
     $
11,894
     $
250
     $
—
     $
18,794
  
Collectively evaluated for impairment
    
150,319
      
493,617
      
90,050
      
51,431
      
—
      
785,417
  
Total gross loans
   $
153,844
     $
496,742
     $
101,944
     $
51,681
     $
—
     $
804,211