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Note 4 - Loans (Tables)
9 Months Ended
Sep. 30, 2017
Notes Tables  
Outstanding Loan Balances [Table Text Block]
(Amounts in thousands)
 
September 30,
   
December 31,
 
Loan Portfolio
 
2017
   
2016
 
Commercial
  $
147,212
    $
153,844
 
Commercial real estate:
               
Real estate - construction and land development
   
14,700
     
36,792
 
Real estate - commercial non-owner occupied
   
333,766
     
292,615
 
Real estate - commercial owner occupied
   
183,424
     
167,335
 
Residential real estate:
               
Real estate - residential - Individual Tax Identification Number (“ITIN”)
   
42,063
     
45,566
 
Real estate - residential - 1-4 family mortgage
   
21,119
     
20,425
 
Real estate - residential - equity lines
   
31,158
     
35,953
 
Consumer and other
   
51,432
     
51,681
 
Gross loans
   
824,874
     
804,211
 
Deferred fees and costs
   
1,770
     
1,324
 
Loans, net of deferred fees and costs
   
826,644
     
805,535
 
Allowance for loan and lease losses
   
(11,692
)    
(11,544
)
Net loans
  $
814,952
    $
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
 
September 30, 2017
 
Due
   
Due
   
Due
   
Due
   
Current
   
Total
   
Accruing
 
Commercial
  $
    $
    $
    $
    $
147,212
    $
147,212
    $
 
Commercial real estate:
                                                       
Real estate - construction and land development
   
     
     
     
     
14,700
     
14,700
     
 
Real estate - commercial non-owner occupied
   
     
     
     
     
333,766
     
333,766
     
 
Real estate - commercial owner occupied
   
142
     
     
     
142
     
183,282
     
183,424
     
 
Residential real estate:
                                                       
Real estate - residential - ITIN
   
458
     
77
     
672
     
1,207
     
40,856
     
42,063
     
 
Real estate - residential - 1-4 family mortgage
   
125
     
196
     
     
321
     
20,798
     
21,119
     
 
Real estate - residential - equity lines
   
113
     
46
     
     
159
     
30,999
     
31,158
     
 
Consumer and other
   
202
     
80
     
     
282
     
51,150
     
51,432
     
 
Total
  $
1,040
    $
399
    $
672
    $
2,111
    $
822,763
    $
824,874
    $
 
   
 
 
 
 
 
 
 
 
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
   
     
     
     
     
36,792
     
36,792
     
 
Real estate - commercial non-owner occupied
   
     
     
1,196
     
1,196
     
291,419
     
292,615
     
 
Real estate - commercial owner occupied
   
     
     
114
     
114
     
167,221
     
167,335
     
 
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
    $
 
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]
(Amounts in thousands
)
 
September 30
,
   
December 31
,
 
Nonaccrual Loan
s
 
201
7
   
201
6
 
Commercial
  $
2,309
    $
2,749
 
Commercial real estate
:
               
Real estate - commercial non-owner occupie
d
   
     
1,196
 
Real estate - commercial owner occupie
d
   
617
     
784
 
Residential real estate
:
               
Real estate - residential - ITI
N
   
3,201
     
3,576
 
Real estate - residential - 1-4 family mortgag
e
   
626
     
1,914
 
Real estate - residential - equity line
s
   
815
     
917
 
Consumer and othe
r
   
37
     
250
 
Tota
l
  $
7,605
    $
11,386
 
Impaired Financing Receivables [Table Text Block]
   
As of September 30, 2017
 
   
 
 
 
 
Unpaid
   
 
 
 
(Amounts in thousands)
 
Recorded
   
Principal
   
Related
 
Impaired Loans
 
Investment
   
Balance
   
Allowance
 
With no related allowance recorded:
                       
Commercial
  $
1,322
    $
2,170
    $
 
Commercial real estate:
                       
Real estate - commercial non-owner occupied
   
     
     
 
Real estate - commercial owner occupied
   
617
     
671
     
 
Residential real estate:
                       
Real estate - residential - ITIN
   
6,347
     
8,111
     
 
Real estate - residential - 1-4 family mortgage
   
626
     
1,130
     
 
Real estate - residential - equity lines
   
815
     
1,316
     
 
Total with no related allowance recorded
  $
9,727
    $
13,398
    $
 
                         
With an allowance recorded:
                       
Commercial
  $
1,658
    $
1,701
    $
453
 
Commercial real estate:
                       
Real estate - commercial non-owner occupied
   
805
     
805
     
79
 
Residential real estate:
                       
Real estate - residential - ITIN
   
1,509
     
1,549
     
154
 
Real estate - residential - equity lines
   
441
     
441
     
220
 
Consumer and other
   
37
     
37
     
12
 
Total with an allowance recorded
  $
4,450
    $
4,533
    $
918
 
                         
By loan class:
                       
Commercial
  $
2,980
    $
3,871
    $
453
 
Commercial real estate
   
1,422
     
1,476
     
79
 
Residential real estate
   
9,738
     
12,547
     
374
 
Consumer and other
   
37
     
37
     
12
 
Total impaired loans
  $
14,177
    $
17,931
    $
918
 
   
As of December 31, 2016
 
(Amounts in thousands)
 
Recorded
   
Principal
   
Related
 
Impaired Loans
 
Investment
   
Balance
   
Allowance
 
With no related allowance 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
 
Average Recorded Investment and Interest Income Recognized on Impaired Loans by Loan Class [Table Text Block]
   
Three Months Ended
   
Three Months Ended
 
   
September 30, 2017
   
September 30, 2016
 
   
Average
   
Interest
   
Average
   
Interest
 
(Amounts in thousands)
 
Recorded
   
Income
   
Recorded
   
Income
 
Average Recorded Investment and Interest Income
 
Investment
   
Recognized
   
Investment
   
Recognized
 
Commercial
  $
3,140
    $
9
    $
2,601
    $
10
 
Commercial real estate:
                               
Real estate - commercial non-owner occupied
   
1,381
     
12
     
2,010
     
12
 
Real estate - commercial owner occupied
   
624
     
     
1,147
     
6
 
Residential real estate:
                               
Real estate - residential - ITIN
   
7,907
     
40
     
8,831
     
42
 
Real estate - residential - 1-4 family mortgage
   
634
     
     
1,808
     
 
Real estate - residential - equity lines
   
1,291
     
5
     
1,661
     
7
 
Consumer and other
   
38
     
     
257
     
 
Total
  $
15,015
    $
66
    $
18,315
    $
77
 
   
Nine Months Ended
   
Nine Months Ended
 
   
September 30, 2017
   
September 30, 2016
 
   
Average
   
Interest
   
Average
   
Interest
 
(Amounts in thousands)
 
Recorded
   
Income
   
Recorded
   
Income
 
Average Recorded Investment and Interest Income
 
Investment
   
Recognized
   
Investment
   
Recognized
 
Commercial
  $
3,249
    $
29
    $
2,551
    $
14
 
Commercial real estate:
                               
Real estate - commercial non-owner occupied
   
1,796
     
35
     
2,015
     
35
 
Real estate - commercial owner occupied
   
692
     
2
     
1,333
     
19
 
Residential real estate:
                               
Real estate - residential - ITIN
   
8,080
     
120
     
9,037
     
124
 
Real estate - residential - 1-4 family mortgage
   
1,155
     
     
1,774
     
 
Real estate - residential - equity lines
   
1,330
     
14
     
1,558
     
20
 
Consumer and other
   
83
     
     
133
     
 
Total
  $
16,385
    $
200
    $
18,401
    $
212
 
Newly Restructured Loans [Table Text Block]
   
For the Three Months Ended
September 30, 2017
   
For the Three Months Ended
September 30, 2016
 
(Amounts in thousands)
 
 
 
 
 
Rate &
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Troubled Debt Restructuring
Modification Types
 
Rate &
Maturity
   
Payment
Deferral
   
Payment
Deferral
   
Total
   
Maturity
   
Rate &
Maturity
   
Principal
Reduction
   
Payment
Deferral
   
Total
 
Commercial
  $
    $
    $
    $
    $
139
    $
    $
    $
    $
139
 
Residential real estate:
                                                                       
Real estate - residential - ITIN
   
     
     
     
     
     
     
82
     
     
82
 
Total
  $
    $
    $
    $
    $
139
    $
    $
82
    $
    $
221
 
   
For the Nine Months Ended
September 30, 2017
   
For the Nine Months Ended
September 30, 2016
 
(Amounts in thousands)
 
 
 
 
 
Rate &
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Troubled Debt Restructuring
Modification Types
 
Rate &
Maturity
   
Payment
Deferral
   
Payment
Deferral
   
Total
   
Maturity
   
Rate &
Maturity
   
Principal
Reduction
   
Payment
Deferral
   
Total
 
Commercial
  $
    $
    $
    $
    $
139
    $
951
    $
    $
    $
1,090
 
Residential real estate:
                                                                       
Real estate - residential - ITIN
   
     
61
     
     
61
     
     
     
82
     
118
     
200
 
Total
  $
    $
61
    $
    $
61
    $
139
    $
951
    $
82
    $
118
    $
1,290
 
Troubled Debt Restructurings on Financing Receivables [Table Text Block]
   
For the Three Months Ended September 30, 2017
   
For the Three Months Ended September 30, 2016
 
   
 
 
 
 
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
 
Residential real estate:
                                               
Real estate - residential - ITIN
   
     
     
     
1
     
97
     
82
 
Total
   
    $
    $
     
2
    $
232
    $
229
 
   
For the Nine Months Ended September 30, 2017
   
For the Nine Months Ended September 30, 2016
 
   
 
 
 
 
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
 
Residential real estate:
                                               
Real estate - residential - ITIN
   
1
     
81
     
61
     
2
     
267
     
252
 
Total
   
1
    $
81
    $
61
     
4
    $
1,529
    $
1,525
 
Financing Receivable Credit Quality Indicators [Table Text Block]
(Amounts in thousands)
 
September 30, 2017
 
Performing and Nonperforming Loans
 
Performing
   
Nonperforming
   
Total
 
Commercial
  $
144,903
    $
2,309
    $
147,212
 
Commercial real estate:
                       
Real estate - construction and land development
   
14,700
     
     
14,700
 
Real estate - commercial non-owner occupied
   
333,766
     
     
333,766
 
Real estate - commercial owner occupied
   
182,807
     
617
     
183,424
 
Residential real estate:
                       
Real estate - residential - ITIN
   
38,862
     
3,201
     
42,063
 
Real estate - residential - 1-4 family mortgage
   
20,493
     
626
     
21,119
 
Real estate - residential - equity lines
   
30,343
     
815
     
31,158
 
Consumer and other
   
51,395
     
37
     
51,432
 
Total
  $
817,269
    $
7,605
    $
824,874
 
(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
   
36,792
     
     
36,792
 
Real estate - commercial non-owner occupied
   
291,419
     
1,196
     
292,615
 
Real estate - commercial owner occupied
   
166,551
     
784
     
167,335
 
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 September 30, 2017
 
   
 
 
 
 
 
 
 
 
Special
   
 
 
 
 
 
 
 
 
 
 
 
(Amounts in thousands)
 
Pass
   
Watch
   
Mention
   
Substandard
   
Doubtful
   
Total
 
Commercial
  $
112,623
    $
27,420
    $
2,633
    $
4,536
    $
    $
147,212
 
Commercial real estate:
                                               
Real estate - construction and land development
   
14,700
     
     
     
     
     
14,700
 
Real estate - commercial non-owner occupied
   
322,650
     
9,332
     
395
     
1,389
     
     
333,766
 
Real estate - commercial owner occupied
   
171,315
     
10,027
     
142
     
1,940
     
     
183,424
 
Residential real estate:
                                               
Real estate - residential - ITIN
   
35,480
     
     
     
6,583
     
     
42,063
 
Real estate - residential - 1-4 family mortgage
   
19,696
     
797
     
     
626
     
     
21,119
 
Real estate - residential - equity lines
   
27,922
     
2,015
     
65
     
1,156
     
     
31,158
 
Consumer and other
   
51,369
     
     
3
     
60
     
     
51,432
 
Total
  $
755,755
    $
49,591
    $
3,238
    $
16,290
    $
    $
824,874
 
   
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
   
36,782
     
10
     
     
     
     
36,792
 
Real estate - commercial non-owner occupied
   
284,099
     
5,398
     
1,321
     
1,797
     
     
292,615
 
Real estate - commercial owner occupied
   
157,064
     
7,301
     
496
     
2,474
     
     
167,335
 
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 September 30, 2017
 
(Amounts in thousands)
 
 
 
 
 
Commercial
   
Residential
   
 
 
 
 
 
 
 
 
 
 
 
ALLL by Loan Class
 
Commercial
   
Real Estate
   
Real Estate
   
Consumer
   
Unallocated
   
Total
 
Beginning balance
  $
2,850
    $
6,072
    $
1,197
    $
1,137
    $
432
    $
11,688
 
Charge-offs
   
     
     
(86
)    
(159
)    
     
(245
)
Recoveries
   
148
     
     
13
     
88
     
     
249
 
Provision
   
(354
)    
232
     
60
     
134
     
(72
)    
 
Ending balance
  $
2,644
    $
6,304
    $
1,184
    $
1,200
    $
360
    $
11,692
 
   
For the Three Months Ended September 30, 2016
 
(Amounts in thousands)
 
 
 
 
 
Commercial
   
Residential
   
 
 
 
 
 
 
 
 
 
 
 
ALLL by Loan Class
 
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 Nine Months Ended September 30, 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
   
(50
)    
     
(370
)    
(631
)    
     
(1,051
)
Recoveries
   
383
     
27
     
107
     
182
     
     
699
 
Provision
   
(538
)    
699
     
(269
)    
694
     
(86
)    
500
 
Ending balance
  $
2,644
    $
6,304
    $
1,184
    $
1,200
    $
360
    $
11,692
 
   
For the Nine Months Ended September 30, 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
   
(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
 
   
As of September 30, 2017
 
   
 
 
 
 
Commercial
   
Residential
   
 
 
 
 
 
 
 
 
 
 
 
(Amounts in thousands)
 
Commercial
   
Real Estate
   
Real Estate
   
Consumer
   
Unallocated
   
Total
 
ALLL:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
  $
453
    $
79
    $
374
    $
12
    $
    $
918
 
Collectively evaluated for impairment
   
2,191
     
6,225
     
810
     
1,188
     
360
     
10,774
 
Total
  $
2,644
    $
6,304
    $
1,184
    $
1,200
    $
360
    $
11,692
 
Gross loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
  $
2,980
    $
1,422
    $
9,738
    $
37
    $
    $
14,177
 
Collectively evaluated for impairment
   
144,232
     
530,468
     
84,602
     
51,395
     
     
810,697
 
Total gross loans
  $
147,212
    $
531,890
    $
94,340
    $
51,432
    $
    $
824,874
 
   
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