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Note 4 - Loans (Tables)
 3 Months Ended
Mar. 31, 2020
Notes Tables  
Outstanding Loan Balances [Table Text Block]
(Amounts in thousands)
  
March 31,
    
December 31,
  
Loan Portfolio
  
2020
    
2019
  
Commercial
   $
138,870
     $
141,197
  
Commercial real estate:
                
Real estate - construction and land development
    
34,394
      
26,830
  
Real estate - commercial non-owner occupied
    
514,052
      
493,920
  
Real estate - commercial owner occupied
    
217,319
      
218,833
  
Residential real estate:
                
Real estate - residential - Individual Tax Identification Number (“ITIN”)
    
31,998
      
33,039
  
Real estate - residential - 1-4 family mortgage
    
62,533
      
63,661
  
Real estate - residential - equity lines
    
23,158
      
22,099
  
Consumer and other
    
29,921
      
33,324
  
Gross loans
    
1,052,245
      
1,032,903
  
Deferred fees and costs
    
2,129
      
2,162
  
Loans, net of deferred fees and costs
    
1,054,374
      
1,035,065
  
Allowance for loan and lease losses
    
(15,067
 )    
(12,231
 )
Net loans
   $
1,039,307
     $
1,022,834
  
Financing Receivable, Past Due [Table Text Block]
(Amounts in thousands)
Past Due Loans at
March 31, 2020
  
30-59
Days Past
Due
    
60-89
Days Past
Due
    
90 or Greater
Days Past
Due
    
Total Past
Due
    
Current
    
Total
    
Recorded
Investment >
90 Days and
Accruing
  
Commercial
   $
710
     $
—
     $
—
     $
710
     $
138,160
     $
138,870
     $
—
  
Commercial real estate:
                                                        
Real estate - construction and land development
    
—
      
—
      
—
      
—
      
34,394
      
34,394
      
—
  
Real estate - commercial non-owner occupied
    
1,097
      
—
      
—
      
1,097
      
512,955
      
514,052
      
—
  
Real estate - commercial owner occupied
    
654
      
—
      
3,103
      
3,757
      
213,562
      
217,319
      
—
  
Residential real estate:
                                                        
Real estate - residential - ITIN
    
513
      
57
      
119
      
689
      
31,309
      
31,998
      
—
  
Real estate - residential - 1-4 family mortgage
    
—
      
—
      
—
      
—
      
62,533
      
62,533
      
—
  
Real estate - residential - equity lines
    
61
      
29
      
—
      
90
      
23,068
      
23,158
      
—
  
Consumer and other
    
138
      
66
      
2
      
206
      
29,715
      
29,921
      
2
  
Total
   $
3,173
     $
152
     $
3,224
     $
6,549
     $
1,045,696
     $
1,052,245
     $
2
  
(Amounts in thousands)
Past Due Loans at
December 31, 2019
  
30-59
Days Past
Due
    
60-89
Days Past
Due
    
90 or Greater
Days Past
Due
    
Total Past
Due
    
Current
    
Total
    
Recorded
Investment >
90 Days and
Accruing
  
Commercial
   $
71
     $
—
     $
—
     $
71
     $
141,126
     $
141,197
     $
—
  
Commercial real estate:
                                                        
Real estate - construction and land development
    
—
      
—
      
—
      
—
      
26,830
      
26,830
      
—
  
Real estate - commercial non-owner occupied
    
—
      
—
      
—
      
—
      
493,920
      
493,920
      
—
  
Real estate - commercial owner occupied
    
655
      
—
      
3,103
      
3,758
      
215,075
      
218,833
      
—
  
Residential real estate:
                                                        
Real estate - residential - ITIN
    
371
      
323
      
43
      
737
      
32,302
      
33,039
      
—
  
Real estate - residential - 1-4 family mortgage
    
—
      
—
      
—
      
—
      
63,661
      
63,661
      
—
  
Real estate - residential - equity lines
    
100
      
—
      
—
      
100
      
21,999
      
22,099
      
—
  
Consumer and other
    
200
      
50
      
—
      
250
      
33,074
      
33,324
      
—
  
Total
   $
1,397
     $
373
     $
3,146
     $
4,916
     $
1,027,987
     $
1,032,903
     $
—
  
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent 1 [Table Text Block]
(Amounts in thousands)
  
March 31,
    
December 31,
  
Nonaccrual Loans
  
2020
    
2019
  
Commercial
   $
39
     $
61
  
Commercial real estate:
                
Real estate - commercial owner occupied
    
3,103
      
3,103
  
Residential real estate:
                
Real estate - residential - ITIN
    
1,878
      
2,221
  
Real estate - residential - 1-4 family mortgage
    
184
      
191
  
Consumer and other
    
39
      
40
  
Total
   $
5,243
     $
5,616
  
Impaired Financing Receivables [Table Text Block]
   
As of March 31, 2020
  
   
 
 
 
  
Unpaid
    
 
 
 
(Amounts in thousands)
  
Recorded
    
Principal
    
Related
  
Impaired Loans
  
Investment
    
Balance
    
Allowance
  
With no related allowance recorded:
                        
Commercial
   $
71
     $
231
     $
—
  
Commercial real estate:
                        
Real estate - commercial owner occupied
    
3,103
      
3,103
      
—
  
Residential real estate:
                        
Real estate - residential - ITIN
    
5,233
      
6,899
      
—
  
Real estate - residential - 1-4 family mortgage
    
184
      
310
      
—
  
Total with no related allowance recorded
   $
8,591
     $
10,543
     $
—
  
                         
With an allowance recorded:
                        
Commercial
   $
560
     $
561
     $
160
  
Residential real estate:
                        
Real estate - residential - ITIN
    
536
      
537
      
35
  
Real estate - residential - equity lines
    
226
      
226
      
113
  
Consumer and other
    
39
      
39
      
10
  
Total with an allowance recorded
   $
1,361
     $
1,363
     $
318
  
                         
By loan portfolio:
                        
Commercial
   $
631
     $
792
     $
160
  
Commercial real estate
    
3,103
      
3,103
      
—
  
Residential real estate
    
6,179
      
7,972
      
148
  
Consumer and other
    
39
      
39
      
10
  
Total impaired loans
   $
9,952
     $
11,906
     $
318
  
   
As of December 31, 2019
  
   
 
 
 
  
Unpaid
    
 
 
 
(Amounts in thousands)
  
Recorded
    
Principal
    
Related
  
Impaired Loans
  
Investment
    
Balance
    
Allowance
  
With no related allowance recorded:
                        
Commercial
   $
94
     $
251
     $
—
  
Commercial real estate:
                        
Real estate - commercial owner occupied
    
3,103
      
3,103
      
—
  
Residential real estate:
                        
Real estate - residential - ITIN
    
5,723
      
7,386
      
—
  
Real estate - residential - 1-4 family mortgage
    
191
      
313
      
—
  
Total with no related allowance recorded
   $
9,111
     $
11,053
     $
—
  
                         
With an allowance recorded:
                        
Commercial
   $
562
     $
563
     $
159
  
Residential real estate:
                        
Real estate - residential - ITIN
    
455
      
455
      
38
  
Real estate - residential - equity lines
    
231
      
231
      
116
  
Consumer and other
    
40
      
40
      
11
  
Total with an allowance recorded
   $
1,288
     $
1,289
     $
324
  
                         
By loan portfolio:
                        
Commercial
   $
656
     $
814
     $
159
  
Commercial real estate
    
3,103
      
3,103
      
—
  
Residential real estate
    
6,600
      
8,385
      
154
  
Consumer and other
    
40
      
40
      
11
  
Total impaired loans
   $
10,399
     $
12,342
     $
324
  
Average Recorded Investment and Interest Income Recognized on Impaired Loans by Loan Class [Table Text Block]
   
Three Months Ended
    
Three Months Ended
  
   
March 31, 2020
    
March 31, 2019
  
   
Average
    
Interest
    
Average
    
Interest
  
(Amounts in thousands)
  
Recorded
    
Income
    
Recorded
    
Income
  
Average Recorded Investment and Interest Income
  
Investment
    
Recognized
    
Investment
    
Recognized
  
Commercial
   $
640
     $
9
     $
2,021
     $
17
  
Commercial real estate:
                                
Real estate - commercial non-owner occupied
    
—
      
—
      
8,412
      
11
  
Real estate - commercial owner occupied
    
3,103
      
—
      
—
      
—
  
Residential real estate:
                                
Real estate - residential - ITIN
    
5,957
      
37
      
6,874
      
42
  
Real estate - residential - 1-4 family mortgage
    
186
      
—
      
184
      
—
  
Real estate - residential - equity lines
    
228
      
4
      
401
      
5
  
Consumer and other
    
39
      
—
      
23
      
—
  
Total
   $
10,153
     $
50
     $
17,915
     $
75
  
Financing Receivable Credit Quality Indicators [Table Text Block]
(Amounts in thousands)
 
March 31, 2020
  
Performing and Nonperforming Loans
  
Performing
    
Nonperforming
    
Total
  
Commercial
   $
138,831
     $
39
     $
138,870
  
Commercial real estate:
                        
Real estate - construction and land development
    
34,394
      
—
      
34,394
  
Real estate - commercial non-owner occupied
    
514,052
      
—
      
514,052
  
Real estate - commercial owner occupied
    
214,216
      
3,103
      
217,319
  
Residential real estate:
                        
Real estate - residential - ITIN
    
30,120
      
1,878
      
31,998
  
Real estate - residential - 1-4 family mortgage
    
62,349
      
184
      
62,533
  
Real estate - residential - equity lines
    
23,158
      
—
      
23,158
  
Consumer and other
    
29,880
      
41
      
29,921
  
Total
   $
1,047,000
     $
5,245
     $
1,052,245
  
(Amounts in thousands)
 
December 31, 2019
  
Performing and Nonperforming Loans
  
Performing
    
Nonperforming
    
Total
  
Commercial
   $
141,136
     $
61
     $
141,197
  
Commercial real estate:
                        
Real estate - construction and land development
    
26,830
      
—
      
26,830
  
Real estate - commercial non-owner occupied
    
493,920
      
—
      
493,920
  
Real estate - commercial owner occupied
    
215,730
      
3,103
      
218,833
  
Residential real estate:
                        
Real estate - residential - ITIN
    
30,818
      
2,221
      
33,039
  
Real estate - residential - 1-4 family mortgage
    
63,470
      
191
      
63,661
  
Real estate - residential - equity lines
    
22,099
      
—
      
22,099
  
Consumer and other
    
33,284
      
40
      
33,324
  
Total
   $
1,027,287
     $
5,616
     $
1,032,903
  
Financing Receivable Credit Quality Indicator [Table Text Block]
   
As of March 31, 2020
  
   
 
 
 
  
 
 
 
  
Special
    
 
 
 
  
 
 
 
  
 
 
 
(Amounts in thousands)
  
Pass
    
Watch
    
Mention
    
Substandard
    
Doubtful
    
Total
  
Commercial
   $
121,692
     $
15,166
     $
1,875
     $
137
     $
—
     $
138,870
  
Commercial real estate:
                                                
Real estate - construction and land development
    
34,376
      
18
      
—
      
—
      
—
      
34,394
  
Real estate - commercial non-owner occupied
    
481,281
      
31,265
      
409
      
1,097
      
—
      
514,052
  
Real estate - commercial owner occupied
    
195,457
      
9,517
      
—
      
12,345
      
—
      
217,319
  
Residential real estate:
                                                
Real estate - residential - ITIN
    
27,955
      
—
      
—
      
4,043
      
—
      
31,998
  
Real estate - residential - 1-4 family mortgage
    
60,724
      
232
      
671
      
906
      
—
      
62,533
  
Real estate - residential - equity lines
    
23,072
      
—
      
—
      
86
      
—
      
23,158
  
Consumer and other
    
29,882
      
—
      
—
      
39
      
—
      
29,921
  
Total
   $
974,439
     $
56,198
     $
2,955
     $
18,653
     $
—
     $
1,052,245
  
   
As of December 31, 2019
  
   
 
 
 
  
 
 
 
  
Special
    
 
 
 
  
 
 
 
  
 
 
 
(Amounts in thousands)
  
Pass
    
Watch
    
Mention
    
Substandard
    
Doubtful
    
Total
  
Commercial
   $
125,222
     $
14,974
     $
833
     $
168
     $
—
     $
141,197
  
Commercial real estate:
                                                
Real estate - construction and land development
    
26,810
      
20
      
—
      
—
      
—
      
26,830
  
Real estate - commercial non-owner occupied
    
454,493
      
32,902
      
5,424
      
1,101
      
—
      
493,920
  
Real estate - commercial owner occupied
    
195,950
      
7,224
      
1,220
      
14,439
      
—
      
218,833
  
Residential real estate:
                                                
Real estate - residential - ITIN
    
28,609
      
—
      
—
      
4,430
      
—
      
33,039
  
Real estate - residential - 1-4 family mortgage
    
62,485
      
985
      
—
      
191
      
—
      
63,661
  
Real estate - residential - equity lines
    
22,012
      
—
      
—
      
87
      
—
      
22,099
  
Consumer and other
    
33,283
      
—
      
—
      
41
      
—
      
33,324
  
Total
   $
948,864
     $
56,105
     $
7,477
     $
20,457
     $
—
     $
1,032,903
  
Financing Receivable, Allowance for Credit Loss [Table Text Block]
   
For the Three Months Ended March 31, 2020
  
(Amounts in thousands)
  
 
 
 
  
Commercial
    
Residential
    
 
 
 
  
 
 
 
  
 
 
 
ALLL by Loan Portfolio
  
Commercial
    
Real Estate
    
Real Estate
    
Consumer
    
Unallocated
    
Total
  
Beginning balance
   $
1,822
     $
8,096
     $
1,032
     $
933
     $
348
     $
12,231
  
Charge-offs
    
—
      
—
      
(6
 )    
(163
 )    
—
      
(169
 )
Recoveries
    
7
      
—
      
44
      
104
      
—
      
155
  
Provision
    
654
      
1,803
      
211
      
98
      
84
      
2,850
  
Ending balance
   $
2,483
     $
9,899
     $
1,281
     $
972
     $
432
     $
15,067
  
   
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
  
   
As of March 31, 2020
         
Commercial
  
Residential
                  
(Amounts in thousands)
  
Commercial
  
Real Estate
  
Real Estate
  
Consumer
  
Unallocated
  
Total
ALLL:
                                    
Individually evaluated for impairment
  
$
160 
  
$
 —
  
$
148 
  
$
10 
  
$
 —
  
$
318 
Collectively evaluated for impairment
    
2,323 
    
9,899 
    
1,133 
    
962 
    
432 
    
14,749 
Total
  
$
2,483 
  
$
9,899 
  
$
1,281 
  
$
972 
  
$
432 
  
$
15,067 
Gross loans:
                                  
 
Individually evaluated for impairment
  
$
631 
  
$
3,103 
  
$
6,179 
  
$
39 
  
$
 —
  
$
9,952 
Collectively evaluated for impairment
    
138,239 
    
762,662 
    
111,510 
    
29,882 
    
 —
    
1,042,293 
Total gross loans
  
$
138,870 
  
$
765,765 
  
$
117,689 
  
$
29,921 
  
$
 —
  
$
1,052,245 
   
As of December 31, 2019
  
   
 
 
 
  
Commercial
    
Residential
    
 
 
 
  
 
 
 
  
 
 
 
(Amounts in thousands)
  
Commercial
    
Real Estate
    
Real Estate
    
Consumer
    
Unallocated
    
Total
  
ALLL:
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Individually evaluated for impairment
   $
159
     $
—
     $
154
     $
11
     $
—
     $
324
  
Collectively evaluated for impairment
    
1,663
      
8,096
      
878
      
922
      
348
      
11,907
  
Total
   $
1,822
     $
8,096
     $
1,032
     $
933
     $
348
     $
12,231
  
Gross loans:
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Individually evaluated for impairment
   $
656
     $
3,103
     $
6,600
     $
40
     $
—
     $
10,399
  
Collectively evaluated for impairment
    
140,541
      
736,480
      
112,199
      
33,284
      
—
      
1,022,504
  
Total gross loans
   $
141,197
     $
739,583
     $
118,799
     $
33,324
     $
—
     $
1,032,903