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Note 5 - Loans (Tables)
12 Months Ended
Dec. 31, 2017
Notes Tables  
Outstanding Loan Balances [Table Text Block]
   
As of
 
(Amounts in thousands)
 
December 31,
 
Loan Portfolio
 
2017
   
2016
 
Commercial
  $
149,088
    $
153,844
 
Commercial real estate:
               
Real estate
– construction and land development
   
15,902
     
36,792
 
Real estate
– commercial non-owner occupied
   
377,668
     
292,615
 
Real estate
– commercial owner occupied
   
185,340
     
167,335
 
Residential real estate:
               
Real estate
– residential - Individual Tax Identification Number ("ITIN")
   
41,188
     
45,566
 
Real estate
– residential - 1-4 family mortgage
   
30,377
     
20,425
 
Real estate
– residential - equity lines
   
30,347
     
35,953
 
Consumer and other
   
49,925
     
51,681
 
Gross loans
   
879,835
     
804,211
 
Deferred fees and costs
   
1,710
     
1,324
 
Loans, net of deferred fees and costs
   
881,545
     
805,535
 
Allowance for loan and lease losses
   
(11,925
)    
(11,544
)
Net loans
  $
869,620
    $
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
 
December 31, 2017
 
Due
   
Due
   
Due
   
Due
   
Current
   
Total
   
Accruing
 
Commercial
  $
    $
    $
    $
    $
149,088
    $
149,088
    $
 
Commercial real estate:
                                                       
Real estate - construction and land development
   
     
     
     
     
15,902
     
15,902
     
 
Real estate - commercial non-owner occupied
   
     
     
     
     
377,668
     
377,668
     
 
Real estate - commercial owner occupied
   
142
     
     
     
142
     
185,198
     
185,340
     
 
Residential real estate:
                                                       
Real estate - residential - ITIN
   
555
     
122
     
462
     
1,139
     
40,049
     
41,188
     
 
Real estate - residential - 1-4 family mortgage
   
290
     
173
     
     
463
     
29,914
     
30,377
     
 
Real estate - residential - equity lines
   
141
     
     
     
141
     
30,206
     
30,347
     
 
Consumer and other
   
281
     
123
     
     
404
     
49,521
     
49,925
     
 
Total
  $
1,409
    $
418
    $
462
    $
2,289
    $
877,546
    $
879,835
    $
 
   
 
 
 
 
 
 
 
 
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]
   
As of
 
(Amounts in thousands)
 
December 31,
 
Nonaccrual Loans
 
2017
   
2016
 
Commercial
  $
1,603
    $
2,749
 
Commercial real estate:
               
Real estate - commercial non-owner occupied
   
     
1,196
 
Real estate - commercial owner occupied
   
600
     
784
 
Residential real estate:
               
Real estate - residential - ITIN
   
2,909
     
3,576
 
Real estate - residential - 1-4 family mortgage
   
606
     
1,914
 
Real estate - residential - equity lines
   
45
     
917
 
Consumer and other
   
36
     
250
 
Total
  $
5,799
    $
11,386
 
Impaired Financing Receivables [Table Text Block]
   
As of December 31, 2017
 
   
 
 
 
 
Unpaid
   
 
 
 
(Amounts in thousands)
 
Recorded
   
Principal
   
Related
 
Impaired Loans
 
Investment
   
Balance
   
Allowance
 
With no related allowance recorded:
                       
Commercial
  $
672
    $
1,205
    $
 
Commercial real estate:
                       
Real estate - commercial non-owner occupied
   
     
     
 
Real estate - commercial owner-occupied
   
600
     
665
     
 
Residential real estate:
                       
Real estate - residential - ITIN
   
5,895
     
7,516
     
 
Real estate - residential - 1-4 family mortgage
   
414
     
897
     
 
Real estate - residential - equity lines
   
45
     
49
     
 
Consumer and other
   
     
     
 
Total with no related allowance recorded
  $
7,626
    $
10,332
    $
 
                         
With an allowance recorded:
                       
Commercial
  $
2,482
    $
2,540
    $
690
 
Commercial real estate:
                       
Real estate - commercial non-owner occupied
   
803
     
803
     
77
 
Real estate - commercial owner-occupied
   
     
     
 
Residential real estate:
                       
Real estate - residential - ITIN
   
1,628
     
1,678
     
199
 
Real estate - residential - 1-4 family mortgage
   
192
     
226
     
2
 
Real estate - residential - equity lines
   
380
     
380
     
190
 
Consumer and other
   
36
     
36
     
11
 
Total with an allowance recorded
  $
5,521
    $
5,663
    $
1,169
 
                         
By loan portfolio:
                       
Commercial
  $
3,154
    $
3,745
    $
690
 
Commercial real estate
   
1,403
     
1,468
     
77
 
Residential real estate
   
8,554
     
10,746
     
391
 
Consumer and other
   
36
     
36
     
11
 
Total impaired loans
  $
13,147
    $
15,995
    $
1,169
 
   
As of December 31, 2016
 
   
 
 
 
 
Unpaid
   
 
 
 
(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 portfolio:
                       
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]
   
2017
   
2016
   
2015
 
   
Average
   
Interest
   
Average
   
Interest
   
Average
   
Interest
 
(Amounts in thousands)
 
Recorded
   
Income
   
Recorded
   
Income
   
Recorded
   
Income
 
Average Recorded Investment and Interest Income
 
Investment
   
Recognized
   
Investment
   
Recognized
   
Investment
   
Recognized
 
Commercial
  $
3,211
    $
46
    $
2,605
    $
23
    $
3,533
    $
22
 
Commercial real estate:
                                               
Real estate - commercial non-owner occupied
   
1,548
     
46
     
2,013
     
47
     
7,306
     
49
 
Real estate - commercial owner- occupied
   
670
     
2
     
1,281
     
25
     
2,212
     
59
 
Residential real estate:
                                               
Real estate - residential - ITIN
   
7,961
     
162
     
8,939
     
165
     
9,679
     
141
 
Real estate - residential - 1-4 family mortgage
   
1,019
     
     
1,788
     
     
1,786
     
 
Real estate - residential - equity lines
   
1,104
     
19
     
1,535
     
26
     
750
     
27
 
Consumer and other
   
72
     
     
162
     
     
33
     
 
Total
  $
15,585
    $
275
    $
18,323
    $
286
    $
25,299
    $
298
 
Newly Restructured Loans [Table Text Block]
   
For The Year Ended December 31, 2017
 
   
 
 
 
 
 
 
 
 
Rate &
   
 
 
 
 
 
 
 
 
 
 
 
(Amounts in thousands)
 
Rate &
   
Principal
   
Payment
   
 
 
 
 
Payment
   
 
 
 
Troubled Debt Restructuring Modification Types
 
Maturity
   
Reduction
   
Deferral
   
Maturity
   
Deferral
   
Total
 
Residential real estate:
                                               
Real estate - residential - ITIN
  $
    $
    $
60
    $
    $
    $
60
 
Total
  $
    $
    $
60
    $
    $
    $
60
 
   
For The Year Ended December 31, 2016
 
   
 
 
 
 
 
 
 
 
Rate &
   
 
 
 
 
 
 
 
 
 
 
 
(Amounts in thousands)
 
Rate &
   
Principal
   
Payment
   
 
 
 
 
Payment
   
 
 
 
Troubled Debt Restructuring Modification Types
 
Maturity
   
Reduction
   
Deferral
   
Maturity
   
Deferral
   
Total
 
Commercial
  $
905
    $
    $
    $
1,120
    $
    $
2,025
 
Residential real estate:
                                               
Real estate - residential - ITIN
   
     
81
     
     
     
197
     
278
 
Real estate - residential - 1-4 family mortgage
   
144
     
     
     
     
     
144
 
Total
  $
1,049
    $
81
    $
    $
1,120
    $
197
    $
2,447
 
   
For The Year Ended December 31, 2015
 
   
 
 
 
 
 
 
 
 
Rate &
   
 
 
 
 
 
 
 
 
 
 
 
(Amounts in thousands)
 
 
 
 
 
Rate &
   
Payment
   
 
 
 
 
Payment
   
 
 
 
Troubled Debt Restructuring Modification Types
 
Rate
   
Maturity
   
Deferral
   
Maturity
   
Deferral
   
Total
 
Commercial
  $
    $
39
    $
    $
    $
708
    $
747
 
Residential real estate:
                                               
Real estate - residential - ITIN
   
115
     
     
264
     
     
379
     
758
 
Total
  $
115
    $
39
    $
264
    $
    $
1,087
    $
1,505
 
Troubled Debt Restructurings on Financing Receivables [Table Text Block]
   
2017
 
   
 
 
 
 
Pre-Modification
   
Post-Modification
 
(Amounts in thousands)
 
Number of
   
Outstanding Recorded
   
Outstanding Recorded
 
Troubled Debt Restructurings
 
Contracts
   
Investment
   
Investment
 
Residential real estate:
                       
Real estate - residential - ITIN
   
1
    $
81
    $
61
 
Total
   
1
    $
81
    $
61
 
   
2016
 
   
 
 
 
 
Pre-Modification
   
Post-Modification
 
(Amounts in thousands)
 
Number of
   
Outstanding Recorded
   
Outstanding Recorded
 
Troubled Debt Restructurings
 
Contracts
   
Investment
   
Investment
 
Commercial
   
4
    $
2,244
    $
2,266
 
Residential real estate:
                       
Real estate - residential - ITIN
   
3
     
372
     
342
 
Real estate - residential - 1-4 family mortgage
   
1
     
144
     
144
 
Total
   
8
    $
2,760
    $
2,752
 
   
2015
 
   
 
 
 
 
Pre-Modification
   
Post-Modification
 
(Amounts in thousands)
 
Number of
   
Outstanding Recorded
   
Outstanding Recorded
 
Troubled Debt Restructurings
 
Contracts
   
Investment
   
Investment
 
Commercial
   
2
    $
872
    $
872
 
Residential real estate:
                       
Real estate - residential - ITIN
   
11
     
1,237
     
1,023
 
Total
   
13
    $
2,109
    $
1,895
 
Financing Receivable Credit Quality Indicators [Table Text Block]
(Amounts in thousands)
 
December 31, 2017
 
Performing and Nonperforming Loans
 
Performing
   
Nonperforming
   
Total
 
Commercial
  $
147,485
    $
1,603
    $
149,088
 
Commercial real estate:
                       
Real estate - construction and land development
   
15,902
     
     
15,902
 
Real estate - commercial non-owner occupied
   
377,668
     
     
377,668
 
Real estate - commercial owner occupied
   
184,740
     
600
     
185,340
 
Residential real estate:
                       
Real estate - residential - ITIN
   
38,279
     
2,909
     
41,188
 
Real estate - residential - 1-4 family mortgage
   
29,771
     
606
     
30,377
 
Real estate - residential - equity lines
   
30,302
     
45
     
30,347
 
Consumer and other
   
49,889
     
36
     
49,925
 
Total
  $
874,036
    $
5,799
    $
879,835
 
(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]
   
December 31, 2017
 
   
 
 
 
 
 
 
 
 
Special
   
 
 
 
 
 
 
 
 
 
 
 
(Amounts in thousands)
 
Pass
   
Watch
   
Mention
   
Substandard
   
Doubtful
   
Total
 
Commercial
  $
117,087
    $
28,896
    $
40
    $
3,065
    $
    $
149,088
 
Commercial real estate:
                                               
Real estate - construction and land development
   
14,762
     
     
1,140
     
     
     
15,902
 
Real estate - commercial non-owner occupied
   
364,230
     
9,160
     
2,900
     
1,378
     
     
377,668
 
Real estate - commercial owner occupied
   
171,005
     
8,515
     
3,907
     
1,913
     
     
185,340
 
Residential real estate:
                                               
Real estate - residential - ITIN
   
34,923
     
     
     
6,265
     
     
41,188
 
Real estate - residential - 1-4 family mortgage
   
28,981
     
791
     
     
605
     
     
30,377
 
Real estate - residential - equity lines
   
28,457
     
1,501
     
63
     
326
     
     
30,347
 
Consumer and other
   
49,887
     
     
2
     
36
     
     
49,925
 
Total
  $
809,332
    $
48,863
    $
8,052
    $
13,588
    $
    $
879,835
 
   
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]
   
As of December 31, 2017
 
(Amounts in thousands)
 
 
 
 
 
Commercial
   
Residential
   
 
 
 
 
 
 
 
 
 
 
 
ALLL by Loan Portfolio
 
Commercial
   
Real Estate
   
Real Estate
   
Consumer
   
Unallocated
   
Total
 
Beginning balance
  $
2,849
    $
5,578
    $
1,716
    $
955
    $
446
    $
11,544
 
Charge-offs
   
(51
)    
     
(483
)    
(968
)    
     
(1,502
)
Recoveries
   
512
     
27
     
178
     
216
     
     
933
 
Provision
   
(818
)    
814
     
(242
)    
1,232
     
(36
)    
950
 
Ending balance
  $
2,492
    $
6,419
    $
1,169
    $
1,435
    $
410
    $
11,925
 
   
As of December 31, 2016
 
(Amounts in thousands)
 
 
 
 
 
Commercial
   
Residential
   
 
 
 
 
 
 
 
 
 
 
 
ALLL by Loan 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
)    
(829
)    
(812
)    
     
(2,784
)
Recoveries
   
427
     
2,480
     
114
     
127
     
     
3,148
 
Provision
   
1,035
     
(2,649
)    
854
     
870
     
(110
)    
 
Ending balance
  $
2,849
    $
5,578
    $
1,716
    $
955
    $
446
    $
11,544
 
   
As of December 31, 2015
 
(Amounts in thousands)
 
 
 
 
 
Commercial
   
Residential
   
 
 
 
 
 
 
 
 
 
 
 
ALLL by Loan Portfolio
 
Commercial
   
Real Estate
   
Real Estate
   
Consumer
   
Unallocated
   
Total
 
Beginning balance
  $
3,503
    $
4,875
    $
1,670
    $
450
    $
322
    $
10,820
 
Charge-offs
   
(700
)    
(428
)    
(749
)    
(499
)    
     
(2,376
)
Recoveries
   
1,692
     
771
     
273
     
     
     
2,736
 
Provision
   
(2,002
)    
566
     
383
     
819
     
234
     
 
Ending balance
  $
2,493
    $
5,784
    $
1,577
    $
770
    $
556
    $
11,180
 
   
As of December 31, 2017
 
   
 
 
 
 
Commercial
   
Residential
   
 
 
 
 
 
 
 
 
 
 
 
(Amounts in thousands)
 
Commercial
   
Real Estate
   
Real Estate
   
Consumer
   
Unallocated
   
Total
 
ALLL:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
  $
690
    $
77
    $
391
    $
11
    $
    $
1,169
 
Collectively evaluated for impairment
   
1,802
     
6,342
     
778
     
1,424
     
410
     
10,756
 
Total
   
2,492
     
6,419
     
1,169
     
1,435
     
410
     
11,925
 
Gross loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
  $
3,154
    $
1,403
    $
8,554
    $
36
    $
    $
13,147
 
Collectively evaluated for impairment
   
145,934
     
577,507
     
93,358
     
49,889
     
     
866,688
 
Total gross loans
  $
149,088
    $
578,910
    $
101,912
    $
49,925
    $
    $
879,835
 
   
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
 
   
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