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Note 4 - Loans (Tables)
3 Months Ended
Mar. 31, 2019
Notes Tables  
Outstanding Loan Balances [Table Text Block]
(Amounts in thousands)
 
March 31,
   
December 31,
 
Loan Portfolio
 
2019
   
2018
 
Commercial
  $
149,575
    $
135,543
 
Commercial real estate:
               
Real estate - construction and land development
   
30,335
     
22,563
 
Real estate - commercial non-owner occupied
   
469,048
     
433,708
 
Real estate - commercial owner occupied
   
209,099
     
204,622
 
Residential real estate:
               
Real estate - residential - Individual Tax Identification Number (“ITIN”)
   
36,145
     
37,446
 
Real estate - residential - 1-4 family mortgage
   
68,092
     
34,366
 
Real estate - residential - equity lines
   
26,162
     
26,958
 
Consumer and other
   
46,150
     
51,045
 
Gross loans
   
1,034,606
     
946,251
 
Deferred fees and costs
   
1,992
     
1,927
 
Loans, net of deferred fees and costs
   
1,036,598
     
948,178
 
Allowance for loan and lease losses
   
(12,242
)    
(12,292
)
Net loans
  $
1,024,356
    $
935,886
 
Financing Receivable, Past Due [Table Text Block]
(Amounts in thousands)
 
30-59
   
60-89
   
90 or Greater
   
 
 
 
 
 
 
 
 
 
 
 
 
Recorded
Investment >
 
Past Due Loans at
 
Days Past
   
Days Past
   
Days Past
   
Total Past
   
 
 
 
 
 
 
 
 
90 Days and
 
March 31, 2019
 
Due
   
Due
   
Due
   
Due
   
Current
   
Total
   
Accruing
 
Commercial
  $
190
    $
47
    $
    $
237
    $
149,338
    $
149,575
    $
 
Commercial real estate:
                                                       
Real estate - construction and land development
   
     
     
     
     
30,335
     
30,335
     
 
Real estate - commercial non-owner occupied
   
     
     
10,878
     
10,878
     
458,170
     
469,048
     
 
Real estate - commercial owner occupied
   
     
     
     
     
209,099
     
209,099
     
 
Residential real estate:
                                                       
Real estate - residential - ITIN
   
465
     
191
     
170
     
826
     
35,319
     
36,145
     
 
Real estate - residential - 1-4 family mortgage
   
     
     
     
     
68,092
     
68,092
     
 
Real estate - residential - equity lines
   
78
     
     
     
78
     
26,084
     
26,162
     
 
Consumer and other
   
152
     
102
     
     
254
     
45,896
     
46,150
     
 
Total
  $
885
    $
340
    $
11,048
    $
12,273
    $
1,022,333
    $
1,034,606
    $
 
(Amounts in thousands)
 
30-59
   
60-89
   
90 or Greater
   
 
 
 
 
 
 
 
 
 
 
 
 
Recorded
Investment >
 
Past Due Loans at
 
Days Past
   
Days Past
   
Days Past
   
Total Past
   
 
 
 
 
 
 
 
 
90 Days and
 
December 31, 2018
 
Due
   
Due
   
Due
   
Due
   
Current
   
Total
   
Accruing
 
Commercial
  $
    $
    $
    $
    $
135,543
    $
135,543
    $
 
Commercial real estate:
                                                       
Real estate - construction and land development
   
     
     
     
     
22,563
     
22,563
     
 
Real estate - commercial non-owner occupied
   
10,878
     
     
548
     
11,426
     
422,282
     
433,708
     
 
Real estate - commercial owner occupied
   
688
     
     
     
688
     
203,934
     
204,622
     
 
Residential real estate:
                                                       
Real estate - residential - ITIN
   
184
     
279
     
259
     
722
     
36,724
     
37,446
     
 
Real estate - residential - 1-4 family mortgage
   
     
     
185
     
185
     
34,181
     
34,366
     
 
Real estate - residential - equity lines
   
90
     
     
     
90
     
26,868
     
26,958
     
 
Consumer and other
   
534
     
263
     
     
797
     
50,248
     
51,045
     
 
Total
  $
12,374
    $
542
    $
992
    $
13,908
    $
932,343
    $
946,251
    $
 
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent 1 [Table Text Block]
(Amounts in thousands)
 
March 31,
   
December 31,
 
Nonaccrual Loans
 
2019
   
2018
 
Commercial
  $
1,018
    $
959
 
Commercial real estate:
               
Real estate - commercial non-owner occupied
   
10,878
     
548
 
Residential real estate:
               
Real estate - residential - ITIN
   
2,392
     
2,388
 
Real estate - residential - 1-4 family mortgage
   
182
     
185
 
Real estate - residential - equity lines
   
42
     
43
 
Consumer and other
   
23
     
23
 
Total
  $
14,535
    $
4,146
 
Impaired Financing Receivables [Table Text Block]
   
As of March 31, 2019
 
   
 
 
 
 
Unpaid
   
 
 
 
(Amounts in thousands)
 
Recorded
   
Principal
   
Related
 
Impaired Loans
 
Investment
   
Balance
   
Allowance
 
With no related allowance recorded:
                       
Commercial
  $
47
    $
65
    $
 
Commercial real estate:
                       
Real estate - commercial non-owner occupied
   
10,878
     
10,878
     
 
Residential real estate:
                       
Real estate - residential - ITIN
   
5,962
     
7,534
     
 
Real estate - residential - 1-4 family mortgage
   
182
     
221
     
 
Real estate - residential - equity lines
   
42
     
48
     
 
Total with no related allowance recorded
  $
17,111
    $
18,746
    $
 
                         
With an allowance recorded:
                       
Commercial
  $
2,158
    $
2,299
    $
923
 
Commercial real estate:
                       
Real estate - commercial non-owner occupied
   
793
     
793
     
169
 
Residential real estate:
                       
Real estate - residential - ITIN
   
772
     
810
     
88
 
Real estate - residential - equity lines
   
358
     
358
     
179
 
Consumer and other
   
23
     
23
     
7
 
Total with an allowance recorded
  $
4,104
    $
4,283
    $
1,366
 
                         
By loan portfolio:
                       
Commercial
  $
2,205
    $
2,364
    $
923
 
Commercial real estate
   
11,671
     
11,671
     
169
 
Residential real estate
   
7,316
     
8,971
     
267
 
Consumer and other
   
23
     
23
     
7
 
Total impaired loans
  $
21,215
    $
23,029
    $
1,366
 
   
As of December 31, 2018
 
(Amounts in thousands)
 
Recorded
   
Principal
   
Related
 
Impaired Loans
 
Investment
   
Balance
   
Allowance
 
With no related allowance recorded:
                       
Commercial
  $
51
    $
69
    $
 
Commercial real estate:
                       
Real estate - commercial non-owner occupied
   
548
     
548
     
 
Residential real estate:
                       
Real estate - residential - ITIN
   
6,138
     
7,676
     
 
Real estate - residential - 1-4 family mortgage
   
185
     
223
     
 
Real estate - residential - equity lines
   
43
     
48
     
 
Total with no related allowance recorded
  $
6,965
    $
8,564
    $
 
                         
With an allowance recorded:
                       
Commercial
  $
2,132
    $
2,256
    $
748
 
Commercial real estate:
                       
Real estate - commercial non-owner occupied
   
795
     
795
     
209
 
Residential real estate:
                       
Real estate - residential - ITIN
   
734
     
772
     
91
 
Real estate - residential - equity lines
   
363
     
363
     
182
 
Consumer and other
   
23
     
23
     
7
 
Total with an allowance recorded
  $
4,047
    $
4,209
    $
1,237
 
                         
By loan portfolio:
                       
Commercial
  $
2,183
    $
2,325
    $
748
 
Commercial real estate
   
1,343
     
1,343
     
209
 
Residential real estate
   
7,463
     
9,082
     
273
 
Consumer and other
   
23
     
23
     
7
 
Total impaired loans
  $
11,012
    $
12,773
    $
1,237
 
Average Recorded Investment and Interest Income Recognized on Impaired Loans by Loan Class [Table Text Block]
   
Three Months Ended
   
Three Months Ended
 
   
March 31, 2019
   
March 31, 2018
 
   
Average
   
Interest
   
Average
   
Interest
 
(Amounts in thousands)
 
Recorded
   
Income
   
Recorded
   
Income
 
Average Recorded Investment and Interest Income
 
Investment
   
Recognized
   
Investment
   
Recognized
 
Commercial
  $
2,021
    $
17
    $
2,589
    $
21
 
Commercial real estate:
                               
Real estate - commercial non-owner occupied
   
8,412
     
11
     
802
     
11
 
Residential real estate:
                               
Real estate - residential - ITIN
   
6,874
     
42
     
7,425
     
41
 
Real estate - residential - 1-4 family mortgage
   
184
     
     
326
     
 
Real estate - residential - equity lines
   
401
     
5
     
422
     
5
 
Consumer and other
   
23
     
     
35
     
 
Total
  $
17,915
    $
75
    $
11,599
    $
78
 
Financing Receivable Credit Quality Indicators [Table Text Block]
(Amounts in thousands)
 
March 31, 2019
 
Performing and Nonperforming Loans
 
Performing
   
Nonperforming
   
Total
 
Commercial
  $
148,557
    $
1,018
    $
149,575
 
Commercial real estate:
                       
Real estate - construction and land development
   
30,335
     
     
30,335
 
Real estate - commercial non-owner occupied
   
458,170
     
10,878
     
469,048
 
Real estate - commercial owner occupied
   
209,099
     
     
209,099
 
Residential real estate:
                       
Real estate - residential - ITIN
   
33,753
     
2,392
     
36,145
 
Real estate - residential - 1-4 family mortgage
   
67,910
     
182
     
68,092
 
Real estate - residential - equity lines
   
26,120
     
42
     
26,162
 
Consumer and other
   
46,127
     
23
     
46,150
 
Total
  $
1,020,071
    $
14,535
    $
1,034,606
 
(Amounts in thousands)
 
December 31, 2018
 
Performing and Nonperforming Loans
 
Performing
   
Nonperforming
   
Total
 
Commercial
  $
134,584
    $
959
    $
135,543
 
Commercial real estate:
                       
Real estate - construction and land development
   
22,563
     
     
22,563
 
Real estate - commercial non-owner occupied
   
433,160
     
548
     
433,708
 
Real estate - commercial owner occupied
   
204,622
     
     
204,622
 
Residential real estate:
                       
Real estate - residential - ITIN
   
35,058
     
2,388
     
37,446
 
Real estate - residential - 1-4 family mortgage
   
34,181
     
185
     
34,366
 
Real estate - residential - equity lines
   
26,915
     
43
     
26,958
 
Consumer and other
   
51,022
     
23
     
51,045
 
Total
  $
942,105
    $
4,146
    $
946,251
 
Financing Receivable Credit Quality Indicator [Table Text Block]
   
As of March 31, 2019
 
   
 
 
 
 
 
 
 
 
Special
   
 
 
 
 
 
 
 
 
 
 
 
(Amounts in thousands)
 
Pass
   
Watch
   
Mention
   
Substandard
   
Doubtful
   
Total
 
Commercial
  $
136,434
    $
10,297
    $
541
    $
2,303
    $
    $
149,575
 
Commercial real estate:
                                               
Real estate - construction and land development
   
30,312
     
23
     
     
     
     
30,335
 
Real estate - commercial non-owner occupied
   
445,151
     
10,729
     
     
13,168
     
     
469,048
 
Real estate - commercial owner occupied
   
194,043
     
4,706
     
     
10,350
     
     
209,099
 
Residential real estate:
                                               
Real estate - residential - ITIN
   
30,674
     
     
     
5,471
     
     
36,145
 
Real estate - residential - 1-4 family mortgage
   
66,350
     
1,083
     
477
     
182
     
     
68,092
 
Real estate - residential - equity lines
   
25,865
     
106
     
     
191
     
     
26,162
 
Consumer and other
   
46,122
     
     
     
28
     
     
46,150
 
Total
  $
974,951
    $
26,944
    $
1,018
    $
31,693
    $
    $
1,034,606
 
   
As of December 31, 2018
 
   
 
 
 
 
 
 
 
 
Special
   
 
 
 
 
 
 
 
 
 
 
 
(Amounts in thousands)
 
Pass
   
Watch
   
Mention
   
Substandard
   
Doubtful
   
Total
 
Commercial
  $
118,643
    $
15,247
    $
    $
1,653
    $
    $
135,543
 
Commercial real estate:
                                               
Real estate - construction and land development
   
22,539
     
24
     
     
     
     
22,563
 
Real estate - commercial non-owner occupied
   
409,157
     
21,698
     
     
2,853
     
     
433,708
 
Real estate - commercial owner occupied
   
179,154
     
14,075
     
     
11,393
     
     
204,622
 
Residential real estate:
                                               
Real estate - residential - ITIN
   
31,805
     
     
     
5,641
     
     
37,446
 
Real estate - residential - 1-4 family mortgage
   
33,388
     
793
     
     
185
     
     
34,366
 
Real estate - residential - equity lines
   
25,336
     
1,313
     
     
309
     
     
26,958
 
Consumer and other
   
51,016
     
     
     
29
     
     
51,045
 
Total
  $
871,038
    $
53,150
    $
    $
22,063
    $
    $
946,251
 
Financing Receivable, Allowance for Credit Loss [Table Text Block]
   
For the Three Months Ended March 31, 2019
 
(Amounts in thousands)
 
 
 
 
 
Commercial
   
Residential
   
 
 
 
 
 
 
 
 
 
 
 
ALLL by Loan Portfolio
 
Commercial
   
Real Estate
   
Real Estate
   
Consumer
   
Unallocated
   
Total
 
Beginning balance
  $
2,205
    $
7,116
    $
1,173
    $
1,356
    $
442
    $
12,292
 
Charge-offs
   
     
     
(68
)    
(280
)    
     
(348
)
Recoveries
   
153
     
     
82
     
63
     
     
298
 
Provision
   
121
     
(160
)    
24
     
(83
)    
98
     
 
Ending balance
  $
2,479
    $
6,956
    $
1,211
    $
1,056
    $
540
    $
12,242
 
   
For the Three Months Ended March 31, 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
   
     
     
(114
)    
(276
)    
     
(390
)
Recoveries
   
453
     
     
246
     
61
     
     
760
 
Provision
   
(552
)    
384
     
(152
)    
253
     
67
     
 
Ending balance
  $
2,298
    $
6,898
    $
1,149
    $
1,473
    $
477
    $
12,295
 
   
As of March 31, 2019
 
   
 
 
 
 
Commercial
   
Residential
   
 
 
 
 
 
 
 
 
 
 
 
(Amounts in thousands)
 
Commercial
   
Real Estate
   
Real Estate
   
Consumer
   
Unallocated
   
Total
 
ALLL:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
  $
923
    $
169
    $
267
    $
7
    $
    $
1,366
 
Collectively evaluated for impairment
   
1,556
     
6,787
     
944
     
1,049
     
540
     
10,876
 
Total
  $
2,479
    $
6,956
    $
1,211
    $
1,056
    $
540
    $
12,242
 
Gross loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
  $
2,205
    $
11,671
    $
7,316
    $
23
    $
    $
21,215
 
Collectively evaluated for impairment
   
147,370
     
696,811
     
123,083
     
46,127
     
     
1,013,391
 
Total gross loans
  $
149,575
    $
708,482
    $
130,399
    $
46,150
    $
    $
1,034,606
 
   
As of December 31, 2018
 
   
 
 
 
 
Commercial
   
Residential
   
 
 
 
 
 
 
 
 
 
 
 
(Amounts in thousands)
 
Commercial
   
Real Estate
   
Real Estate
   
Consumer
   
Unallocated
   
Total
 
ALLL:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
  $
748
    $
209
    $
273
    $
7
    $
    $
1,237
 
Collectively evaluated for impairment
   
1,457
     
6,907
     
900
     
1,349
     
442
     
11,055
 
Total
  $
2,205
    $
7,116
    $
1,173
    $
1,356
    $
442
    $
12,292
 
Gross loans:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
  $
2,183
    $
1,343
    $
7,463
    $
23
    $
    $
11,012
 
Collectively evaluated for impairment
   
133,360
     
659,550
     
91,307
     
51,022
     
     
935,239
 
Total gross loans
  $
135,543
    $
660,893
    $
98,770
    $
51,045
    $
    $
946,251