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Note 4 - Loans (Tables)
 9 Months Ended
Sep. 30, 2018
Notes Tables  
Outstanding Loan Balances [Table Text Block]
(Amounts in thousands)
  
September 30,
    
December 31,
  
Loan Portfolio
  
2018
    
2017
  
Commercial
   $
132,091
     $
142,405
  
Commercial real estate:
                
Real estate - construction and land development
    
20,496
      
15,902
  
Real estate - commercial non-owner occupied
    
431,246
      
377,668
  
Real estate - commercial owner occupied
    
195,608
      
192,023
  
Residential real estate:
                
Real estate - residential - Individual Tax Identification Number (“ITIN”)
    
38,353
      
41,188
  
Real estate - residential - 1-4 family mortgage
    
33,473
      
30,377
  
Real estate - residential - equity lines
    
28,713
      
30,347
  
Consumer and other
    
47,500
      
49,925
  
Gross loans
    
927,480
      
879,835
  
Deferred fees and costs
    
1,757
      
1,710
  
Loans, net of deferred fees and costs
    
929,237
      
881,545
  
Allowance for loan and lease losses
    
(12,392
 )    
(11,925
 )
Net loans
   $
916,845
     $
869,620
  
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, 2018
  
Due
    
Due
    
Due
    
Due
    
Current
    
Total
    
Accruing
  
Commercial
   $
—
     $
—
     $
—
     $
—
     $
132,091
     $
132,091
     $
—
  
Commercial real estate:
                                                        
Real estate - construction and land development
    
—
      
—
      
—
      
—
      
20,496
      
20,496
      
—
  
Real estate - commercial non-owner occupied
    
—
      
—
      
—
      
—
      
431,246
      
431,246
      
—
  
Real estate - commercial owner occupied
    
—
      
—
      
—
      
—
      
195,608
      
195,608
      
—
  
Residential real estate:
                                                        
Real estate - residential - ITIN
    
412
      
76
      
260
      
748
      
37,605
      
38,353
      
—
  
Real estate - residential - 1-4 family mortgage
    
—
      
179
      
—
      
179
      
33,294
      
33,473
      
—
  
Real estate - residential - equity lines
    
120
      
—
      
—
      
120
      
28,593
      
28,713
      
—
  
Consumer and other
    
197
      
37
      
—
      
234
      
47,266
      
47,500
      
—
  
Total
   $
729
     $
292
     $
260
     $
1,281
     $
926,199
     $
927,480
     $
—
  
   
 
 
 
  
 
 
 
  
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
   $
—
     $
—
     $
—
     $
—
     $
142,405
     $
142,405
     $
—
  
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
      
191,881
      
192,023
      
—
  
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
     $
—
  
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]
(Amounts in thousands)
  
September 30,
    
December 31,
  
Nonaccrual Loans
  
2018
    
2017
  
Commercial
   $
899
     $
1,603
  
Commercial real estate:
                
Real estate - commercial owner occupied
    
—
      
600
  
Residential real estate:
                
Real estate - residential - ITIN
    
2,571
      
2,909
  
Real estate - residential - 1-4 family mortgage
    
179
      
606
  
Real estate - residential - equity lines
    
44
      
45
  
Consumer and other
    
24
      
36
  
Total
   $
3,717
     $
5,799
  
Impaired Financing Receivables [Table Text Block]
   
As of September 30, 2018
  
   
 
 
 
  
Unpaid
    
 
 
 
(Amounts in thousands)
  
Recorded
    
Principal
    
Related
  
Impaired Loans
  
Investment
    
Balance
    
Allowance
  
With no related allowance recorded:
                        
Commercial
   $
59
     $
76
     $
—
  
Residential real estate:
                        
Real estate - residential - ITIN
    
6,451
      
7,973
      
—
  
Real estate - residential - 1-4 family mortgage
    
179
      
220
      
—
  
Real estate - residential - equity lines
    
44
      
48
      
—
  
Total with no related allowance recorded
   $
6,733
     $
8,317
     $
—
  
                         
With an allowance recorded:
                        
Commercial
   $
2,131
     $
2,236
     $
635
  
Commercial real estate:
                        
Real estate - commercial non-owner occupied
    
797
      
797
      
208
  
Residential real estate:
                        
Real estate - residential - ITIN
    
655
      
692
      
83
  
Real estate - residential - equity lines
    
367
      
367
      
184
  
Consumer and other
    
24
      
24
      
8
  
Total with an allowance recorded
   $
3,974
     $
4,116
     $
1,118
  
                         
By loan class:
                        
Commercial
   $
2,190
     $
2,312
     $
635
  
Commercial real estate
    
797
      
797
      
208
  
Residential real estate
    
7,696
      
9,300
      
267
  
Consumer and other
    
24
      
24
      
8
  
Total impaired loans
   $
10,707
     $
12,433
     $
1,118
  
   
As of December 31, 2017
  
(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 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
      
—
  
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
  
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 class:
                        
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
  
Average Recorded Investment and Interest Income Recognized on Impaired Loans by Loan Class [Table Text Block]
   
Three Months Ended
    
Three Months Ended
  
   
September 30, 2018
    
September 30, 2017
  
   
Average
    
Interest
    
Average
    
Interest
  
(Amounts in thousands)
  
Recorded
    
Income
    
Recorded
    
Income
  
Average Recorded Investment and Interest Income
  
Investment
    
Recognized
    
Investment
    
Recognized
  
Commercial
   $
2,254
     $
19
     $
3,140
     $
9
  
Commercial real estate:
                                
Real estate - commercial non-owner occupied
    
798
      
11
      
1,381
      
12
  
Real estate - commercial owner occupied
    
—
      
—
      
624
      
—
  
Residential real estate:
                                
Real estate - residential - ITIN
    
7,154
      
43
      
7,907
      
40
  
Real estate - residential - 1-4 family mortgage
    
181
      
—
      
634
      
—
  
Real estate - residential - equity lines
    
412
      
5
      
1,291
      
5
  
Consumer and other
    
30
      
—
      
38
      
—
  
Total
   $
10,829
     $
78
     $
15,015
     $
66
  
   
Nine Months Ended
    
Nine Months Ended
  
   
September 30, 2018
    
September 30, 2017
  
   
Average
    
Interest
    
Average
    
Interest
  
(Amounts in thousands)
  
Recorded
    
Income
    
Recorded
    
Income
  
Average Recorded Investment and Interest Income
  
Investment
    
Recognized
    
Investment
    
Recognized
  
Commercial
   $
2,508
     $
60
     $
3,249
     $
29
  
Commercial real estate:
                                
Real estate - commercial non-owner occupied
    
799
      
35
      
1,796
      
35
  
Real estate - commercial owner occupied
    
—
      
—
      
692
      
2
  
Residential real estate:
                                
Real estate - residential - ITIN
    
7,272
      
126
      
8,080
      
120
  
Real estate - residential - 1-4 family mortgage
    
231
      
—
      
1,155
      
—
  
Real estate - residential - equity lines
    
418
      
15
      
1,330
      
14
  
Consumer and other
    
33
      
—
      
83
      
—
  
Total
   $
11,261
     $
236
     $
16,385
     $
200
  
Financing Receivable Credit Quality Indicators [Table Text Block]
(Amounts in thousands)
 
September 30, 2018
  
Performing and Nonperforming Loans
  
Performing
    
Nonperforming
    
Total
  
Commercial
   $
131,192
     $
899
     $
132,091
  
Commercial real estate:
                        
Real estate - construction and land development
    
20,496
      
—
      
20,496
  
Real estate - commercial non-owner occupied
    
431,246
      
—
      
431,246
  
Real estate - commercial owner occupied
    
195,608
      
—
      
195,608
  
Residential real estate:
                        
Real estate - residential - ITIN
    
35,782
      
2,571
      
38,353
  
Real estate - residential - 1-4 family mortgage
    
33,294
      
179
      
33,473
  
Real estate - residential - equity lines
    
28,669
      
44
      
28,713
  
Consumer and other
    
47,476
      
24
      
47,500
  
Total
   $
923,763
     $
3,717
     $
927,480
  
(Amounts in thousands)
 
December 31, 2017
  
Performing and Nonperforming Loans
  
Performing
    
Nonperforming
    
Total
  
Commercial
   $
140,802
     $
1,603
     $
142,405
  
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
    
191,423
      
600
      
192,023
  
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
  
Financing Receivable Credit Quality Indicator [Table Text Block]
   
As of September 30, 2018
  
   
 
 
 
  
 
 
 
  
Special
    
 
 
 
  
 
 
 
  
 
 
 
(Amounts in thousands)
  
Pass
    
Watch
    
Mention
    
Substandard
    
Doubtful
    
Total
  
Commercial
   $
113,743
     $
16,508
     $
31
     $
1,809
     $
—
     $
132,091
  
Commercial real estate:
                                                
Real estate - construction and land development
    
20,471
      
25
      
—
      
—
      
—
      
20,496
  
Real estate - commercial non-owner occupied
    
414,540
      
10,908
      
382
      
5,416
      
—
      
431,246
  
Real estate - commercial owner occupied
    
175,909
      
12,590
      
2,190
      
4,919
      
—
      
195,608
  
Residential real estate:
                                                
Real estate - residential - ITIN
    
32,497
      
—
      
—
      
5,856
      
—
      
38,353
  
Real estate - residential - 1-4 family mortgage
    
32,524
      
770
      
—
      
179
      
—
      
33,473
  
Real estate - residential - equity lines
    
27,086
      
1,313
      
—
      
314
      
—
      
28,713
  
Consumer and other
    
47,469
      
—
      
—
      
31
      
—
      
47,500
  
Total
   $
864,239
     $
42,114
     $
2,603
     $
18,524
     $
—
     $
927,480
  
   
As of December 31, 2017
  
   
 
 
 
  
 
 
 
  
Special
    
 
 
 
  
 
 
 
  
 
 
 
(Amounts in thousands)
  
Pass
    
Watch
    
Mention
    
Substandard
    
Doubtful
    
Total
  
Commercial
   $
117,087
     $
22,213
     $
40
     $
3,065
     $
—
     $
142,405
  
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
      
15,198
      
3,907
      
1,913
      
—
      
192,023
  
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
  
Allowance for Credit Losses on Financing Receivables [Table Text Block]
   
For the Three Months Ended September 30, 2018
  
(Amounts in thousands)
  
 
 
 
  
Commercial
    
Residential
    
 
 
 
  
 
 
 
  
 
 
 
ALLL by Loan Portfolio
  
Commercial
    
Real Estate
    
Real Estate
    
Consumer
    
Unallocated
    
Total
  
Beginning balance
   $
2,442
     $
7,091
     $
1,111
     $
1,317
     $
427
     $
12,388
  
Charge-offs
    
—
      
—
      
—
      
(198
 )    
—
      
(198
 )
Recoveries
    
35
      
—
      
89
      
78
      
—
      
202
  
Provision
    
(248
 )    
116
      
12
      
90
      
30
      
—
  
Ending balance
   $
2,229
     $
7,207
     $
1,212
     $
1,287
     $
457
     $
12,392
  
   
For the Three Months Ended September 30, 2017
  
(Amounts in thousands)
  
 
 
 
  
Commercial
    
Residential
    
 
 
 
  
 
 
 
  
 
 
 
ALLL by Loan Portfolio
  
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 Nine Months Ended September 30, 2018
  
(Amounts in thousands)
  
 
 
 
  
Commercial
    
Residential
    
 
 
 
  
 
 
 
  
 
 
 
ALLL by Loan Portfolio
  
Commercial
    
Real Estate
    
Real Estate
    
Consumer
    
Unallocated
    
Total
  
Beginning balance
   $
2,397
     $
6,514
     $
1,169
     $
1,435
     $
410
     $
11,925
  
Charge-offs
    
(132
 )    
—
      
(164
 )    
(673
 )    
—
      
(969
 )
Recoveries
    
838
      
—
      
382
      
216
      
—
      
1,436
  
Provision
    
(874
 )    
693
      
(175
 )    
309
      
47
      
—
  
Ending balance
   $
2,229
     $
7,207
     $
1,212
     $
1,287
     $
457
     $
12,392
  
   
For the Nine Months Ended September 30, 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
    
(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
  
   
As of September 30, 2018
  
   
 
 
 
  
Commercial
    
Residential
    
 
 
 
  
 
 
 
  
 
 
 
(Amounts in thousands)
  
Commercial
    
Real Estate
    
Real Estate
    
Consumer
    
Unallocated
    
Total
  
ALLL:
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Individually evaluated for impairment
   $
635
     $
208
     $
267
     $
8
     $
—
     $
1,118
  
Collectively evaluated for impairment
    
1,594
      
6,999
      
945
      
1,279
      
457
      
11,274
  
Total
   $
2,229
     $
7,207
     $
1,212
     $
1,287
     $
457
     $
12,392
  
Gross loans:
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Individually evaluated for impairment
   $
2,190
     $
797
     $
7,696
     $
24
     $
—
     $
10,707
  
Collectively evaluated for impairment
    
129,901
      
646,553
      
92,843
      
47,476
      
—
      
916,773
  
Total gross loans
   $
132,091
     $
647,350
     $
100,539
     $
47,500
     $
—
     $
927,480
  
   
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
    
1,707
      
6,437
      
778
      
1,424
      
410
      
10,756
  
Total
   $
2,397
     $
6,514
     $
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
    
139,251
      
584,190
      
93,358
      
49,889
      
—
      
866,688
  
Total gross loans
   $
142,405
     $
585,593
     $
101,912
     $
49,925
     $
—
     $
879,835