Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)

3 Months Ended

Mar. 31, 2020

Notes Tables

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

	Activity in the Allowance for Loan Losses for the Three Months Ended March 31 , 20 20
	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, 2019	$	400		$	1,895		$	2,559	$	555		$	478	$	650		$	326	$	6,863
Charge-offs		---			(44	)		---		(65	)		---		(66	)		---		(175	)
Recoveries		---			---			12		1			---		60			---		73
Provision for (recovery of) loan losses		(25	)		219			29		230			33		(25	)		18		479
Balance, March 3 1 , 20 20	$	375		$	2,070		$	2,600	$	721		$	511	$	619		$	344	$	7,240

	A ctivity in the Allowance for Loan Losses for the Three Months Ended March 31 , 201 9
	Real Estate Construction		Consumer Real Estate			Commercial Real Estate			Commercial No n- Real Estate			Public Sector and IDA			Consumer Non -- Real Estate			Unallocated			Total
Balance, December 31, 2018	$	398	$	2,049		$	2,798		$	602		$	583		$	750		$	210		$	7,390
Charge-offs		---		(16	)		(150	)		---			---			(162	)		---			(328	)
Recoveries		---		---			12			---			---			86			---			98
Provision for (recovery of) loan losses		70		58			327			(27	)		(58	)		---			(170	)		200
Balance, March 31 , 201 9	$	468	$	2,091		$	2,987		$	575		$	525		$	674		$	40		$	7,360

	A ctivity in the Allowance for Loan Losses for the Year Ended December 31, 201 9
	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, 2018	$	398	$	2,049		$	2,798		$	602		$	583		$	750		$	210	$	7,390
Charge-offs		---		(192	)		(150	)		(47	)		---			(531	)		---		(920	)
Recoveries		---		---			49			1			---			217			---		267
Provision for (recovery of) loan losses		2		38			(138	)		(1	)		(105	)		214			116		126
Balance, December 31 , 201 9	$	400	$	1,895		$	2,559		$	555		$	478		$	650		$	326	$	6,863

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

	Allowance for Loan Losses as of March 31 , 20 20
	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	$	---	$	2	$	---	$	108	$	---	$	---	$	---	$	110
Collectively evaluated for impairment		375		2,068		2,600		613		511		619		344		7,130
Total	$	375	$	2,070	$	2,600	$	721	$	511	$	619	$	344	$	7,240

	Allowance for Loan Losses as of December 31, 201 9
	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	$	---	$	2	$	---	$	108	$	---	$	---	$	---	$	110
Collectively evaluated for impairment		400		1,893		2,559		447		478		650		326		6,753
Total	$	400	$	1,895	$	2,559	$	555	$	478	$	650	$	326	$	6,863

	Loans as of March 31 , 2020
	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	$	---	$	608	$	4,142	$	917	$	---	$	4	$	---	$	5,671
Collectively evaluated for impairment		40,483		178,475		358,577		50,201		62,296		34,313		---		724,345
Total	$	40,483	$	179,083	$	362,719	$	51,118	$	62,296	$	34,317	$	---	$	730,016

	Loans as of December 31, 201 9
	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	$	---	$	759	$	3,608	$	918	$	---	$	4	$	---	$	5,289
Collectively evaluated for impairment		42,303		180,713		361,765		45,658		63,764		34,535		---		728,738
Total	$	42,303	$	181,472	$	365,373	$	46,576	$	63,764	$	34,539	$	---	$	734,027

Schedule of Ratios for Allowance for Loan Losses [Table Text Block]

	As of and for the
	Three Months Ended March 31,						Year E nded December 31,
	2020			2019			2019
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs		0.99	%		1.02	%		0.94	%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs (1)		0.06	%		0.13	%		0.09	%

Schedule of Nonperforming Assets [Table Text Block]

	March 31,						December 31,
	2020			2019			2019
Nonperforming assets:
Nonaccrual loans	$	261		$	294		$	164
Restructured loans in nonaccrual		3,191			3,440			3,211
Total nonperforming loans		3,452			3,734			3,375
Other real estate owned, net		1,584			2,025			1,612
Total nonperforming assets	$	5,036		$	5,759		$	4,987
Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned		0.69	%		0.80	%		0.68	%
Ratio of allowance for loan losses to nonperforming loans (1)		209.73	%		197.11	%		203.35	%

Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block]

	March 31,						December 31,
	2020			2019			2019
Loans past due 90 days or more and still accruing	$	170		$	55		$	231
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs		0.02	%		0.01	%		0.03	%
Accruing restructured loans	$	1,592		$	1,995		$	1,729
Impaired loans:
Impaired loans with no valuation allowance	$	4,557		$	5,212		$	4,174
Impaired loans with a valuation allowance		1,114			1,125			1,115
Total impaired loans	$	5,671		$	6,337		$	5,289
Valuation allowance		(110	)		(132	)		(110	)
Impaired loans, net of allowance	$	5,561		$	6,205		$	5,179
Average recorded investment in impaired loans (1)	$	5,677		$	6,597		$	5,359
Interest income recognized on impaired loans, after designation as impaired	$	26		$	49		$	171
Amount of income recognized on a cash basis	$	---		$	---		$	---

Impaired Financing Receivables [Table Text Block]

	Impaired Loans as of March 31, 2020
	Principal Balance		Total Recorded Investment (1)		Recorded Investment (1 ) for Which There is No Related Allowance		Recorded Investmen t (1) for Which There is a Related Allowance		Related Allowance
Co nsumer Real Estate (2)
Equity lines	$	100	$	100	$	100	$	---	$	---
Residential closed-end first liens		23		22		22		---		---
Investor-owned residential real estate		488		486		289		197		2
Commercial Real Estate (2)
Commercial real estate, owner-occupied		921		885		885		---		---
Commercial real estate, other		3,705		3,257		3,257		---		---
Commercial Non-Real Estate (2)
Commercial and industrial		917		917		---		917		108
Consumer Non - Real Estate (2)
Automobile		4		4		4		---		---
Total	$	6,158	$	5,671	$	4,557	$	1,114	$	110

	Impaired Loans as of December 31, 2019
	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
Co nsumer Real Estate (2)
Equity lines	$	100	$	100	$	100	$	---	$	---
Residential closed-end first liens		221		221		221		---		---
Investor-owned residential real estate		441		438		241		197		2
Commercial Real Estate (2)
Multifamily real estate		278		278		278		---		---
Commercial real estate, owner occupied		929		895		895		---		---
Commercial real estate, other		2,867		2,435		2,435		---		---
Commercial Non-Real Estate (2)
Commercial and industrial		917		918		---		918		108
Consumer Non-Real Estate (2)
Automobile		4		4		4		---		---
Total	$	5,757	$	5,289	$	4,174	$	1,115	$	110

Impaired Financing Receivable Average Investment And Interest Income [Table Text Block]

	For the Three Months Ended March 31, 2020
	Average Recorded Investment (1)		Interest Income Recognized
Co nsumer Real Estate (2)
Equity lines	$	100	$	2
Residential closed-end first liens		22		---
Investor-owned residential real estate		487		4
Commercial Real Estate (2)
Commercial real estate, owner occupied		890		6
Commercial real estate, other		3,257		8
Commercial Non - Real Estate (2)
Commercial and industrial		917		6
Consumer Non-Real Estate (2)
Automobile		4		---
Total	$	5,677	$	26

	For the Three Months Ended March 31, 2019
	Average Recorded Investment (1)		Interest Income Recognized
Consumer Real Estate (2)
Residential closed-end first liens	$	710	$	9
Residential closed-end junior liens		142		2
Investor-owned residential real estate		570		9
Commercial Real Estate (2)
Multifamily real estate		471		7
Commercial real estate, owner occupied		1,207		5
Commercial real estate, other		2,484		11
Commercial Non - Real Estate (2)
Commercial and industrial		1,002		6
Consumer Non-Real Estate (2)
Automobile		11		---
Total	$	6,597	$	49

	For the Year Ended December 31, 2019
	Average Recorded Investment (1)		Interest Income Recognized
Consumer Real Estate (2)
Equity lines	$	98	$	6
Residential closed-end junior liens		225		11
Investor-owned residential real estate		439		17
Commercial Real Estate (2)
Multifamily real estate		284		12
Commercial real estate, owner occupied		913		41
Commercial real estate, other		2,435		59
Commercial Non - Real Estate (2)
Commercial and industrial		962		25
Co nsumer Non - Real Estate (2)
Automobile		3		---
Total	$	5,359	$	171

Financing Receivable, Past Due [Table Text Block]

March 31, 2020
	30 – 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, other	$	---	$	21	$	---	$	21
Consumer Real Estate (1)
Equity lines		106		---		---		---
Residential closed-end first liens		990		158		54		104
Residential closed-end junior liens		---		83		83		---
Investor-owned residential real estate		109		264		---		263
Commercial Real Estate (1)
Commercial real estate, owner-occupied		---		287		---		510
Commercial real estate, other		838		---		---		2,419
Commercial Non- Real Estate (1)
Commercial and industrial		412		133		---		132
Consumer Non - Real Estate (1)
Credit cards		2		---		---		---
Automobile		293		22		22		---
Other consumer loans		103		11		11		3
Total	$	2,853	$	979	$	170	$	3,452

December 31, 2019
	30 – 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, other	$	19	$	---	$	---	$	---
Consumer Real Estate (1)
Residential closed-end first liens		499		210		188		22
Residential closed-end junior liens		83		---		---		---
Investor-owned residential real estate		---		264		---		264
Commercial Real Estate (1)
Multifamily real estate		94		---		---		---
Commercial real estate, owner occupied		---		287		---		514
Commercial real estate, other		---		---		---		2,435
Commercial Non - Real Estate (1)
Commercial and industrial		45		153		17		136
Consumer Non - Real Estate (1)
Credit cards		4		---		---		---
Automobile		256		14		14		4
Other consumer loans		70		12		12		---
Total	$	1,070	$	940	$	231	$	3,375

Financing Receivable Credit Quality Indicators [Table Text Block]

March 31, 2020
	Pass (1)		Special Mention (1)		Classified (1)
Real Estate Construction
Construction, 1-4 family residential	$	7,610	$	---	$	---
Construction, other		32,852		---		21
Consumer Real Estate
Equity lines		16,619		---		37
Residential closed-end first liens		92,190		---		665
Residential closed-end junior liens		3,711		---		83
Investor-owned residential real estate		65,147		---		23
Commercial Real Estate
Multifamily residential real estate		83,688		---		---
Commercial real estate owner-occupied		130,191		17		133
Commercial real estate, other		144,548		---		---
Commercial Non - Real Estate
Commercial and industrial		49,932		136		133
Public Sector and IDA
States and political subdivisions		62,296		---		---
Consumer Non - Real Estate
Credit cards		5,231		---		---
Automobile		13,994		---		24
Other consumer		15,059		---		5
Total	$	723,068	$	153	$	1,124

December 31, 201 9
	Pass (1)		Special Mention (1)		Classified (1)
Real Estate Construction
Construction, 1-4 family residential	$	7,590	$	---	$	---
Construction, other		34,713		---		---
Consumer Real Estate
Equity lines		16,435		---		---
Residential closed-end first liens		94,814		---		517
Residential closed-end junior liens		3,861		---		---
Investor-owned residential real estate		65,063		---		23
Commercial Real Estate
Multifamily residential real estate		87,934		---		94
Commercial real estate owner-occupied		127,937		---		164
Commercial real estate, other		145,636		---		---
Commercial Non - Real Estate
Commercial and industrial		45,387		135		136
Public Sector and IDA
States and political subdivisions		63,764		---		---
Consumer Non - Real Estate
Credit cards		5,703		---		---
Automobile		14,810		---		19
Other consumer		13,995		---		8
Total	$	727,642	$	135	$	961