XML 30 R19.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)
 6 Months Ended
Jun. 30, 2017
Notes Tables  
Allowance for Credit Losses on Financing Receivables [Table Text Block]
   
A
ctivity in the Allowance for Loan Losses for the
Six
Months Ended
June 30
, 2017
  
   
Real Estate Construction
    
Consumer Real Estate
    
Commercial Real Estate
    
Commercial Non Real
Estate
    
Public
Sector and
IDA
    
Consumer Non
Real Estate
    
Unallocated
    
Total
  
Balance
, December 31, 2016
  
$
438
    
$
1,830
    
$
3,738
    
$
1,063
    
$
330
    
$
644
    
$
257
    
$
8,300
  
Charge-offs
  
 
---
    
 
(138
)
  
 
(122
)
  
 
(73
)
  
 
---
    
 
(219
)
  
 
---
    
 
(552
)
Recoveries
  
 
---
    
 
1
    
 
36
    
 
10
    
 
---
    
 
54
    
 
---
    
 
101
  
Provision for loan losses
  
 
(87
)
  
 
340
    
 
116
    
 
103
    
 
83
    
 
218
    
 
(250
)
  
 
523
  
Balance,
June 30
, 2017
  
$
351
    
$
2,033
    
$
3,768
    
$
1,103
    
$
413
    
$
697
    
$
7
    
$
8,372
  
   
A
ctivity in the Allowance for Loan Losses for the
Six
Months Ended
June 30
, 2016
  
   
Real Estate Construction
    
Consumer Real Estate
    
Commercial Real Estate
    
Commercial Non Real
Estate
    
Public
Sector and IDA
    
Consumer Non
Real Estate
    
Unallocated
    
Total
  
Balance
, December 31, 2015
   $
576
     $
1,866
     $
4,109
     $
655
     $
436
     $
627
     $
28
     $
8,297
  
Charge-offs
    
(29
)
    
(89
)
    
(125
)
    
(708
)
    
---
      
(100
)
    
---
      
(1,051
)
Recoveries
    
---
      
1
      
59
      
1
      
---
      
31
      
---
      
92
  
Provision for loan losses
    
(32
)
    
(2
)
    
(574
)
    
1,537
      
(55
)
    
(3
)
    
(14
)
    
857
  
Balance,
June 30
, 2016
   $
515
     $
1,776
     $
3,469
     $
1,485
     $
381
     $
555
     $
14
     $
8,195
  
   
A
ctivity in the Allowance for Loan Losses for the Year Ended December 31, 201
6
  
   
Real Estate Construction
    
Consumer Real Estate
    
Commercial Real Estate
    
Commercial Non Real Estate
    
Public
Sector and IDA
    
Consumer Non
Real Estate
    
Unallocated
    
Total
  
Balance
, December 31, 2015
   $
576
     $
1,866
     $
4,109
     $
655
     $
436
     $
627
     $
28
     $
8,297
  
Charge-offs
    
(29
)
    
(133
)
    
(488
)
    
(883
)
    
---
      
(273
)
    
---
      
(1,806
)
Recoveries
    
---
      
2
      
83
      
10
      
---
      
64
      
---
      
159
  
Provision for loan losses
    
(109
)
    
95
      
34
      
1,281
      
(106
)
    
226
      
229
      
1,650
  
Balance,
December 31
, 201
6
   $
438
     $
1,830
     $
3,738
     $
1,063
     $
330
     $
644
     $
257
     $
8,300
  
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]
   
Allowance for Loan Losses as of
June 30
, 2017
  
   
Real Estate Construction
    
Consumer Real Estate
    
Commercial Real Estate
    
Commercial Non Real Estate
    
Public
Sector and IDA
    
Consumer Non
Real Estate
    
Unallocated
    
Total
  
Individually evaluated
for impairment
  
$
---
    
$
22
    
$
1
    
$
---
    
$
---
    
$
---
    
$
---
    
$
23
  
Collectively evaluated
for impairment
  
 
351
    
 
2,011
    
 
3,767
    
 
1,103
    
 
413
    
 
697
    
 
7
    
 
8,349
  
Total
  
$
351
    
$
2,033
    
$
3,768
    
$
1,103
    
$
413
    
$
697
    
$
7
    
$
8,372
  
   
Allowance for Loan Losses
as of
December 31, 201
6
  
   
Real Estate Construction
    
Consumer Real Estate
    
Commercial Real Estate
    
Commercial Non Real Estate
    
Public
Sector and IDA
    
Consumer Non
Real Estate
    
Unallocated
    
Total
  
Individually evaluated
for impairment
   $
---
     $
25
     $
1
     $
---
     $
---
     $
---
     $
---
     $
26
  
Collectively evaluated
for impairment
    
438
      
1,805
      
3,737
      
1,063
      
330
      
644
      
257
      
8,274
  
Total
   $
438
     $
1,830
     $
3,738
     $
1,063
     $
330
     $
644
     $
257
     $
8,300
  
   
Loans as of
June 30
, 2017
  
   
Real Estate Construction
    
Consumer Real Estate
    
Commercial Real Estate
    
Commercial Non Real Estate
    
Public
Sector and IDA
    
Consumer Non Real Estate
    
Unallocated
    
Total
  
Individually evaluated for impairment
  
$
3,300
    
$
1,115
    
$
5,646
    
$
137
    
$
---
    
$
2
    
$
---
    
$
10,200
  
Collectively evaluated for impairment
  
 
31,267
    
 
161,253
    
 
326,067
    
 
43,402
    
 
49,533
    
 
33,670
    
 
---
    
 
645,192
  
Total
  
$
34,567
    
$
162,368
    
$
331,713
    
$
43,539
    
$
49,533
    
$
33,672
    
$
---
    
$
655,392
  
   
Loans as of
December 31, 201
6
  
   
Real Estate Construction
    
Consumer Real Estate
    
Commercial Real Estate
    
Commercial Non Real Estate
    
Public
Sector and IDA
    
Consumer Non Real Estate
    
Unallocated
    
Total
  
Individually evaluated
for impairment
   $
270
     $
877
     $
7,782
     $
241
     $
---
     $
3
     $
---
     $
9,173
  
Collectively evaluated
for impairment
    
36,075
      
156,841
      
328,675
      
38,783
      
45,474
      
33,525
      
---
      
639,373
  
Total
   $
36,345
     $
157,718
     $
336,457
     $
39,024
     $
45,474
     $
33,528
     $
---
     $
648,546
  
Schedule of Ratios for Allowance for Loan Losses [Table Text Block]
   
As of and for the
 
   
Six
Months Ended
June 30
,
    
Year
E
nded
December 31,
  
   
201
7
    
20
16
    
20
16
  
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees
  
 
1.28
%
    
1.30
%
    
1.28
%
Ratio of net charge-offs to average loans, net of unearned income and deferred
fees
(1)
  
 
0.14
%
    
0.31
%
    
0.26
%
Schedule of Nonperforming Assets [Table Text Block]
   
June 30
,
    
December 31,
  
   
201
7
    
20
16
    
20
16
  
Nonperforming
assets:
                        
Nonaccrual loans
  
$
9
     $
1,751
     $
1,168
  
Restructured loans
in nonaccrual
  
 
3,188
      
4,454
      
4,687
  
Total nonperforming loans
  
 
3,197
      
6,205
      
5,855
  
Other real estate owned, net
  
 
3,008
      
3,425
      
3,156
  
Total nonperforming assets
  
$
6,205
     $
9,630
     $
9,011
  
Ratio of nonperforming assets to loans, net of unearned income and deferred fees, plus other real estate owned
  
 
0.94
%
    
1.52
%
    
1.38
%
Ratio of allowance for loan losses to nonperforming
loans
(
1
)
 
 
261.87
%
    
132.07
%
    
141.76
%
Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block]
   
June 30
,
    
December 31,
  
   
201
7
    
20
16
    
20
16
  
Loans
past due 90 days or more and still accruing
  
$
259
     $
316
     $
63
  
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees
  
 
0.04
%
    
0.05
%
    
0.01
%
Accruing restructured loans
  
$
3,711
     $
4,729
     $
3,769
  
Impaired loans
:
                        
Impaired loans with no valuation allowance
  
$
9,320
     $
8,902
     $
8,269
  
Impaired loans with a valuation allowance
  
 
880
      
1,798
      
904
  
Total impaired loans
  
$
10,200
     $
10,700
     $
9,173
  
Valuation allowance
  
 
(23
)
    
(71
)
    
(26
)
Impaired loans, net of allowance
  
$
10,177
     $
10,629
     $
9,147
  
Average recorded investment in impaired loans
(1)
  
$
12,017
     $
14,147
     $
11,585
  
Interest i
ncome recognized on impaired loans, after designation as impaired
  
$
192
     $
149
     $
553
  
Amount of income recognized on a cash basis
  
$
---
     $
---
     $
---
  
Impaired Financing Receivables [Table Text Block]
   
Impaired Loans as of
June 30, 2017
  
   
Principal
Balance
   
Total
Recorded
Investment
(1)
    
Recorded
Investment
(1
)
for
Which There is No
Related Allowance
    
Recorded
Investment
(1)
for
Which There is a
Related Allowance
    
Related
Allowance
 
Real Estate Construction
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Construction
, other
 
$
3,300
    
$
3,300
    
$
3,300
    
$
---
    
$
---
  
Co
nsumer
Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Residential closed-end first liens
  
 
635
    
 
596
    
 
264
    
 
332
    
 
12
  
Residential closed-end junior liens
  
 
184
    
 
184
      
---
    
 
184
    
 
6
  
Investor-owned residential real estate
  
 
351
    
 
335
    
 
263
    
 
72
    
 
4
  
Commercial Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial real estate, owner-occupied
  
 
2,996
    
 
2,991
    
 
2,699
    
 
292
    
 
1
  
Commercial real estate, other
  
 
2,952
    
 
2,655
    
 
2,655
    
 
---
    
 
---
  
Commercial Non Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
  
 
153
    
 
137
    
 
137
    
 
---
    
 
---
  
Consumer Non Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Automobile
  
 
2
    
 
2
    
 
2
    
 
---
    
 
---
  
Total
  
$
10,573
    
$
10,200
    
$
9,320
    
$
880
    
$
23
  
   
Impaired Loans as of December 31, 201
6
  
   
Principal
Balance
   
Total
Recorded
Investment
(1)
    
Recorded
Investment
(1)
for
Which There is No
Related Allowance
    
Recorded
Investment
(1)
for
Which There is a
Related Allowance
    
Related
Allowance
 
Real Estate Construction
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Construction 1-4 family residential
   $
280
     $
270
     $
270
     $
---
     $
---
  
Co
nsumer
Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Residential closed-end first liens
    
648
      
609
      
267
      
342
      
14
  
Residential closed-end junior liens
    
195
      
195
      
---
      
195
      
7
  
Investor-owned residential real estate
    
73
      
73
      
---
      
73
      
4
  
Commercial Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Multifamily real estate
    
1,364
      
1,091
      
1,091
      
---
      
---
  
Commercial real estate, owner occupied
    
4,005
      
3,957
      
3,663
      
294
      
1
  
Commercial real estate, other
    
2,997
      
2,734
      
2,734
      
---
      
---
  
Commercial Non Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
    
255
      
241
      
241
      
---
      
---
  
Consumer Non Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Automobile
    
3
      
3
      
3
      
---
      
---
  
Total
   $
9,820
     $
9,173
     $
8,269
     $
904
     $
26
  
Impaired Financing Receivable Average Investment And Interest Income [Table Text Block]
   
For the
Six Months Ended
June 30
, 2017
  
   
Average
Recorded
Investment
(1)
    
Interest
Income
Recognized
  
Real Estate Construction
(2)
  
 
 
 
  
 
 
 
Construction 1-4 family residential
  
$
3,335
    
$
89
  
Co
nsumer
Real Estate
(2)
  
 
 
 
  
 
 
 
Residential closed-end first liens
  
 
603
    
 
18
  
Residential closed-end junior liens
  
 
190
    
 
6
  
Investor-owned residential real estate
  
 
335
    
 
2
  
Commercial Real Estate
(2)
  
 
 
 
  
 
 
 
Multifamily real estate
  
 
887
    
 
---
  
Commercial real estate, owner occupied
  
 
3,777
    
 
77
  
Commercial real estate, other
  
 
2,681
    
 
---
  
Commercial
Non Real Estate
(2)
  
 
 
 
  
 
 
 
Commercial
and industrial
  
 
207
    
 
---
  
Consumer Non Real Estate
(2)
  
 
 
 
  
 
 
 
Automobile
  
 
2
    
 
---
  
Total
  
$
12,017
    
$
192
  
   
For the Six
Months Ended
June 30
, 2016
  
   
Average
Recorded
Investment
(1)
    
Interest
Income
Recognized
  
Real Estate Construction
(2)
  
 
 
 
  
 
 
 
Construction 1-4 family residential
   $
678
     $
---
  
Co
nsumer
Real Estate
(2)
  
 
 
 
  
 
 
 
Residential closed-end first liens
    
664
      
20
  
Residential closed-end junior liens
    
213
      
7
  
Investor-owned residential real estate
    
75
      
2
  
Commercial Real Estate
(2)
  
 
 
 
  
 
 
 
Multifamily real estate
    
1,595
      
---
  
Commercial real estate, owner occupied
    
4,807
      
120
  
Commercial real estate, other
    
5,203
      
---
  
Commercial
Non Real Estate
(2)
  
 
 
 
  
 
 
 
Commercial
and Industrial
    
912
      
---
  
Total
   $
14,147
     $
149
  
   
For the Year Ended
December 31, 201
6
  
   
Average
Recorded
Investment
(1)
    
Interest
Income
Recognized
  
Real Estate Construction
(2)
  
 
 
 
  
 
 
 
Construction 1-4 family residential
   $
462
     $
10
  
Consumer
Real Estate
(2)
  
 
 
 
  
 
 
 
Residential closed-end first liens
    
642
      
38
  
Residential closed-end junior liens
    
207
      
13
  
Investor-owned residential real estate
    
74
      
4
  
Commercial Real Estate
(2)
  
 
 
 
  
 
 
 
Multifamily real estate
    
1,366
      
12
  
Commercial real estate, owner occupied
    
4,342
      
206
  
Commercial real estate, other
    
3,947
      
263
  
Commercial
Non Real Estate
(2)
  
 
 
 
  
 
 
 
Commercial
and industrial
    
541
      
7
  
Co
nsumer
Non Real Estate
(2)
  
 
 
 
  
 
 
 
Automobile
    
4
      
---
  
Total
   $
11,585
     $
553
  
Past Due Financing Receivables [Table Text Block]
June 30
, 2017
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
   
3
0 – 89 Days
Past Due and
Accruing
   
90 or
M
ore
Days Past Due
    
90
or More Days
Past Due and
Accruing
    
Nonaccruals
(2)
  
Consumer Real Estate
(1)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Equity lines
  
 $
91
    
 $
---
    
 $
---
    
 $
---
  
Residential closed-end first liens
  
 
901
    
 
---
    
 
---
    
 
---
  
Residential closed-end junior liens
  
 
185
    
 
---
    
 
---
    
 
---
  
Investor-owned residential real estate
  
 
165
    
 
8
    
 
---
    
 
271
  
Commercial Real Estate
(1)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Multifamily real estate
  
 
57
    
 
---
    
 
---
    
 
---
  
Commercial real estate, owner-occupied
  
 
122
    
 
133
    
 
---
    
 
133
  
Commercial real estate, other
  
 
---
    
 
---
    
 
---
    
 
2,655
  
Commercial
Non Real Estate
(1)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and
industrial
  
 
258
    
 
318
    
 
200
    
 
136
  
Consumer Non Real Estate
(1)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Credit cards
  
 
2
    
 
5
    
 
5
    
 
---
  
Automobile
  
 
132
    
 
33
    
 
33
    
 
2
  
Other
consumer loans
  
 
75
    
 
21
    
 
21
    
 
---
  
Total
  
$
1,988
    
$
518
    
$
259
    
$
3,197
  
December 31, 201
6
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
   
3
0 – 89 Days
Past Due and
Accruing
    
90 or
M
ore
Days Past Due
    
90
or More
Days Past Due
and Accruing
    
Nonaccruals
(2)
  
Real Estate
Construction
(1)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Construction, residential
   $
---
     $
---
     $
---
     $
270
  
Construction, other
    
25
      
---
      
---
      
---
  
Consumer Real Estate
(1)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Equity lines
    
10
      
---
      
---
      
---
  
Residential closed-end first liens
    
1,498
      
6
      
6
      
---
  
Residential closed-end junior liens
    
114
      
36
      
36
      
---
  
Investor-owned residential real estate
    
56
      
234
      
---
      
253
  
Commercial Real Estate
(1)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Multifamily real estate
    
132
      
1,091
      
---
      
1,091
  
Commercial real estate, owner occupied
    
339
      
202
      
---
      
1,183
  
Commercial real estate, other
    
---
      
80
      
---
      
2,814
  
Commercial
Non Real Estate
(1)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and
industrial
    
6
      
218
      
---
      
241
  
Consumer Non Real Estate
(1)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Credit cards
    
8
      
5
      
5
      
---
  
Automobile
    
234
      
12
      
12
      
3
  
Other
consumer loans
    
131
      
4
      
4
      
---
  
Total
   $
2,553
     $
1,888
     $
63
     $
5,855
  
Financing Receivable Credit Quality Indicators [Table Text Block]
   
Pass
    
Special
Mention
(1)
    
 
Classified
(1)
  
Real Estate
Construction
  
 
 
 
  
 
 
 
  
 
 
 
Construction, 1-4 family residential
  
$
12,034
    
$
---
    
$
---
  
Construction, other
  
 
19,233
    
 
---
    
 
---
  
Consumer
Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Equity lines
  
 
16,941
    
 
49
    
 
58
  
Closed-end first liens
  
 
84,718
    
 
1,817
    
 
995
  
Closed-end junior liens
  
 
4,711
    
 
32
    
 
15
  
Investor-owned residential real estate
  
 
51,613
    
 
---
    
 
304
  
Commercial Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Multifamily residential real estate
  
 
100,822
    
 
---
    
 
438
  
Commercial real estate owner-occupied
  
 
114,497
    
 
264
    
 
1,596
  
Commercial real estate, other
  
 
108,450
    
 
---
    
 
---
  
Commercial
Non Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and i
ndustrial
  
 
41,926
    
 
1,476
    
 
---
  
Public Sector and IDA
  
 
 
 
  
 
 
 
  
 
 
 
States and political subdivisions
  
 
49,533
    
 
---
    
 
---
  
Consumer Non Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Credit cards
  
 
5,684
    
 
---
    
 
---
  
Automobile
  
 
15,271
    
 
78
    
 
182
  
Other consumer
  
 
12,413
    
 
38
    
 
4
  
Total
  
$
637,846
    
$
3,754
    
$
3,592
  
   
Pass
    
Special
Mention
(1)
    
 
Classified
(1)
  
Real Estate
Construction
  
 
 
 
  
 
 
 
  
 
 
 
Construction, 1-4 family residential
   $
11,635
     $
3,468
    
$
---
  
Construction, other
    
20,972
      
---
    
 
---
  
Consumer
Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Equity lines
    
17,034
      
82
      
---
  
Closed-end first liens
    
83,658
      
1,267
      
580
  
Closed-end junior liens
    
4,861
      
15
      
151
  
Investor-owned residential real estate
    
48,277
      
333
      
583
  
Commercial Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Multifamily residential real estate
    
99,002
      
1,733
      
---
  
Commercial real estate owner-occupied
    
120,170
      
1,188
      
1,425
  
Commercial real estate, other
    
103,534
      
1,543
      
80
  
Commercial
Non Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and i
ndustrial
    
35,521
      
3,229
      
33
  
Public Sector and IDA
  
 
 
 
  
 
 
 
  
 
 
 
States and political subdivisions
    
45,474
      
---
      
---
  
Consumer Non Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Credit cards
    
5,978
      
---
      
---
  
Automobile
    
14,457
      
25
      
192
  
Other consumer
    
12,229
      
636
      
8
  
Total
   $
622,802
     $
13,519
     $
3,052
  
Troubled Debt Restructurings on Financing Receivables [Table Text Block]
   
Restructurings That Occurred During the
Three and Six
Months Ended
June 30, 2017
  
   
Number of
Contracts
    
Pre-Modification Outstanding
Principal Balance
    
Post-Modification Outstanding
Principal Balance
  
Commercial R
eal
E
state
  
 
 
 
  
 
 
 
  
 
 
 
Commercial real estate, other
  
 
1
    
 $
132
    
 $
132
  
Commercial Non R
eal
E
state
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
  
 
2
    
 
118
    
 
118
  
Total
  
 
3
    
$
250
    
$
250
  
   
Restructurings That Occurred During the
Three and Six
Months Ended
June 30, 2016
  
   
Number of
Contracts
    
Pre-Modification Outstanding
Principal Balance
    
Post-Modification Outstanding
Principal Balance
  
Commercial R
eal
E
state
  
 
 
 
  
 
 
 
  
 
 
 
Commercial real estate, other
    
2
     $
3,008
     $
3,008
  
Total
    
2
     $
3,008
     $
3,008