Note 4 - Loans (Tables)

3 Months Ended

Mar. 31, 2021

Notes Tables

Outstanding Loan Balances [Table Text Block]

	March 31,			December 31,
(Amounts in thousands)	2021			2020
Loan Portfolio:
Commercial	$	117,597		$	115,559
Paycheck Protection Program ("PPP")		117,991			130,814
Commercial real estate:
Construction and land development		32,145			44,549
Non-owner occupied		592,157			550,020
Owner occupied		165,367			172,967
Residential real estate:
Individual Tax Identification Number (“ITIN”)		27,839			29,035
1-4 family mortgage		54,562			55,925
Equity lines		18,600			18,894
Consumer and other		19,685			21,969
Gross loans		1,145,943			1,139,732
Deferred fees and costs		143			229
Loans, net of deferred fees and costs		1,146,086			1,139,961
Allowance for loan and lease losses		(17,027	)		(16,910	)
Net loans	$	1,129,059		$	1,123,051

Financing Receivable, Past Due [Table Text Block]

													Recorded
	30-59		60-89		90 or Greater								Investment >
	Days Past		Days Past		Days Past		Total Past						90 Days and
(Amounts in thousands)	Due		Due		Due		Due		Current		Total		Accruing
Past Due Loans at March 31, 2021
Commercial	$	101	$	—	$	1,413	$	1,514	$	116,083	$	117,597	$	—
PPP		—		—		—		—		117,991		117,991		—
Commercial real estate:
Construction and land development		—		—		—		—		32,145		32,145		—
Non-owner occupied		1,693		—		—		1,693		590,464		592,157		—
Owner occupied		—		—		—		—		165,367		165,367		—
Residential real estate:
ITIN		274		50		123		447		27,392		27,839		—
1-4 family mortgage		—		—		—		—		54,562		54,562		—
Equity lines		19		—		—		19		18,581		18,600		—
Consumer and other		80		10		—		90		19,595		19,685		—
Total	$	2,167	$	60	$	1,536	$	3,763	$	1,142,180	$	1,145,943	$	—

													Recorded
	30-59		60-89		90 or Greater								Investment >
	Days Past		Days Past		Days Past		Total Past						90 Days and
(Amounts in thousands)	Due		Due		Due		Due		Current		Total		Accruing
Past Due Loans at December 31, 2020
Commercial	$	—	$	—	$	1,413	$	1,413	$	114,146	$	115,559	$	—
PPP		—		—		—		—		130,814		130,814
Commercial real estate:
Construction and land development		—		—		—		—		44,549		44,549		—
Non-owner occupied		640		—		—		640		549,380		550,020		—
Owner occupied		—		—		2,993		2,993		169,974		172,967		—
Residential real estate:
ITIN		40		—		169		209		28,826		29,035		—
1-4 family mortgage		—		—		—		—		55,925		55,925		—
Equity lines		60		—		—		60		18,834		18,894		—
Consumer and other		82		17		—		99		21,870		21,969		—
Total	$	822	$	17	$	4,575	$	5,414	$	1,134,318	$	1,139,732	$	—

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent 1 [Table Text Block]

	March 31,		December 31,
(Amounts in thousands)	2021		2020
Nonaccrual Loans:
Commercial	$	1,520	$	1,535
Commercial real estate:
Non-owner occupied		626		640
Owner occupied		95		3,094
Residential real estate:
ITIN		1,529		1,585
1-4 family mortgage		137		141
Consumer and other		17		18
Total	$	3,924	$	7,013

Impaired Financing Receivables [Table Text Block]

	As of March 31, 2021
			Unpaid
	Recorded		Principal		Related
(Amounts in thousands)	Investment		Balance		Allowance
Impaired Loans:
With no related allowance recorded:
Commercial	$	1,558	$	1,915	$	—
Commercial real estate:
Non-owner occupied		626		654		—
Owner occupied		95		98		—
Residential real estate:
ITIN		4,775		6,309		—
1-4 family mortgage		137		200		—
Total with no related allowance recorded	$	7,191	$	9,176	$	—
With an allowance recorded:
Commercial	$	456	$	456	$	114
Residential real estate:
ITIN		174		174		9
Equity lines		121		121		61
Consumer and other		17		17		4
Total with an allowance recorded	$	768	$	768	$	188
By loan portfolio:
Commercial	$	2,014	$	2,371	$	114
Commercial real estate		721		752		—
Residential real estate		5,207		6,804		70
Consumer and other		17		17		4
Total impaired loans	$	7,959	$	9,944	$	188

	As of December 31, 2020
			Unpaid
	Recorded		Principal		Related
(Amounts in thousands)	Investment		Balance		Allowance
Impaired Loans:
With no related allowance recorded:
Commercial	$	1,577	$	1,932	$	—
Commercial real estate:
Non-owner occupied		640		654		—
Owner occupied		3,094		3,206		—
Residential real estate:
ITIN		4,876		6,500		—
1-4 family mortgage		141		202		—
Total with no related allowance recorded	$	10,328	$	12,494	$	—
With an allowance recorded:
Commercial	$	456	$	456	$	114
Residential real estate:
ITIN		175		175		11
Equity lines		126		126		63
Consumer and other		18		18		4
Total with an allowance recorded	$	775	$	775	$	192
By loan portfolio:
Commercial	$	2,033	$	2,388	$	114
Commercial real estate		3,734		3,860		—
Residential real estate		5,318		7,003		74
Consumer and other		18		18		4
Total impaired loans	$	11,103	$	13,269	$	192

Average Recorded Investment and Interest Income Recognized on Impaired Loans by Loan Class [Table Text Block]

	Three Months Ended				Three Months Ended
	March 31, 2021				March 31, 2020
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
(Amounts in thousands)	Investment		Recognized		Investment		Recognized
Average Recorded Investment and Interest Income:
Commercial	$	2,020	$	7	$	640	$	9
Commercial real estate:
Non-owner occupied		632		—		—		—
Owner occupied		2,092		—		3,103		—
Residential real estate:
ITIN		4,983		32		5,957		37
1-4 family mortgage		139		—		186		—
Equity lines		123		2		228		4
Consumer and other		17		—		39		—
Total	$	10,006	$	41	$	10,153	$	50

Financing Receivable Credit Quality Indicators [Table Text Block]

	March 31, 2021
(Amounts in thousands)	Performing		Nonperforming		Total
Performing and Nonperforming Loans:
Commercial	$	116,077	$	1,520	$	117,597
PPP		117,991		—		117,991
Commercial real estate:
Construction and land development		32,145		—		32,145
Non-owner occupied		591,531		626		592,157
Owner occupied		165,272		95		165,367
Residential real estate:
ITIN		26,310		1,529		27,839
1-4 family mortgage		54,425		137		54,562
Equity lines		18,600		—		18,600
Consumer and other		19,668		17		19,685
Total	$	1,142,019	$	3,924	$	1,145,943

	December 31, 2020
(Amounts in thousands)	Performing		Nonperforming		Total
Performing and Nonperforming Loans:
Commercial	$	114,024	$	1,535	$	115,559
PPP		130,814		—		130,814
Commercial real estate:
Construction and land development		44,549		—		44,549
Non-owner occupied		549,380		640		550,020
Owner occupied		169,873		3,094		172,967
Residential real estate:
ITIN		27,450		1,585		29,035
1-4 family mortgage		55,784		141		55,925
Equity lines		18,894		—		18,894
Consumer and other		21,951		18		21,969
Total	$	1,132,719	$	7,013	$	1,139,732

Financing Receivable Credit Quality Indicator [Table Text Block]

	As of March 31, 2021
					Special
(Amounts in thousands)	Pass		Watch		Mention		Substandard		Doubtful		Total
Loan Portfolio:
Commercial	$	103,683	$	8,555	$	381	$	4,978	$	—	$	117,597
PPP		117,991		—		—		—		—		117,991
Commercial real estate:
Construction and land development		31,831		117		—		197		—		32,145
Non-owner occupied		490,585		62,451		33,455		5,666		—		592,157
Owner occupied		145,573		12,366		—		7,428		—		165,367
Residential real estate:
ITIN		24,441		—		—		3,398		—		27,839
1-4 family mortgage		52,655		—		—		1,907		—		54,562
Equity lines		18,600		—		—		—		—		18,600
Consumer and other		19,666		2		—		17		—		19,685
Total	$	1,005,025	$	83,491	$	33,836	$	23,591	$	—	$	1,145,943

	As of December 31, 2020
					Special
(Amounts in thousands)	Pass		Watch		Mention		Substandard		Doubtful		Total
Loan Portfolio:
Commercial	$	102,067	$	8,549	$	540	$	4,403	$	—	$	115,559
PPP		130,814		—		—		—		—		130,814
Commercial real estate:
Construction and land development		41,767		2,782		—		—		—		44,549
Non-owner occupied		456,725		79,845		12,810		640		—		550,020
Owner occupied		152,623		13,945		414		5,985		—		172,967
Residential real estate:
ITIN		25,558		—		—		3,477		—		29,035
1-4 family mortgage		54,288		195		—		1,442		—		55,925
Equity lines		18,894		—		—		—		—		18,894
Consumer and other		21,952		—		—		17		—		21,969
Total	$	1,004,688	$	105,316	$	13,764	$	15,964	$	—	$	1,139,732

Financing Receivable, Allowance for Credit Loss [Table Text Block]

	For the Three Months Ended March 31, 2021
				Paycheck
				Protection		Commercial		Residential
(Amounts in thousands)	Commercial			Program (1)		Real Estate		Real Estate			Consumer			Unallocated		Total
ALLL by Loan Portfolio:
Beginning balance	$	2,402		$	—	$	11,895	$	1,324		$	683		$	606	$	16,910
Charge-offs		—			—		—		(22	)		(68	)		—		(90	)
Recoveries		10			—		110		25			62			—		207
Provision		(46	)		—		248		(106	)		(120	)		24		—
Ending balance	$	2,366		$	—	$	12,253	$	1,221		$	557		$	630	$	17,027

	For the Three Months Ended March 31, 2020
			Paycheck
			Protection		Commercial		Residential
(Amounts in thousands)	Commercial		Program		Real Estate		Real Estate			Consumer			Unallocated		Total
ALLL by Loan Portfolio:
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

	As of March 31, 2021
			Paycheck
			Protection		Commercial		Residential
(Amounts in thousands)	Commercial		Program (1)		Real Estate		Real Estate		Consumer		Unallocated		Total
ALLL:
Individually evaluated for impairment	$	114	$	—	$	—	$	70	$	4	$	—	$	188
Collectively evaluated for impairment		2,252		—		12,253		1,151		553		630		16,839
Total	$	2,366	$	—	$	12,253	$	1,221	$	557	$	630	$	17,027
Gross loans:
Individually evaluated for impairment	$	2,014	$	—	$	721	$	5,207	$	17	$	—	$	7,959
Collectively evaluated for impairment		115,583		117,991		788,948		95,794		19,668		—		1,137,984
Total gross loans	$	117,597	$	117,991	$	789,669	$	101,001	$	19,685	$	—	$	1,145,943

	As of December 31, 2020
			Paycheck
			Protection		Commercial		Residential
(Amounts in thousands)	Commercial		Program (1)		Real Estate		Real Estate		Consumer		Unallocated		Total
ALLL:
Individually evaluated for impairment	$	114	$	—	$	—	$	74	$	4	$	—	$	192
Collectively evaluated for impairment		2,288		—		11,895		1,250		679		606		16,718
Total	$	2,402	$	—	$	11,895	$	1,324	$	683	$	606	$	16,910
Gross loans:
Individually evaluated for impairment	$	2,033	$	—	$	3,734	$	5,318	$	18	$	—	$	11,103
Collectively evaluated for impairment		113,526		130,814		763,802		98,536		21,951		—		1,128,629
Total gross loans	$	115,559	$	130,814	$	767,536	$	103,854	$	21,969	$	—	$	1,139,732