Note 6 - Loans Receivable and Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2018

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

(dollars in thousands)	June 3 0 , 2018			December 31, 2017
Commercial real estate	$	489,574		$	433,304
Construction and land development		120,165			104,617
Commercial and industrial		188,254			173,343
Owner occupied real estate		335,871			309,838
Consumer and other		83,467			76,183
Residential mortgage		100,108			64,764
Total loans receivable		1,317,439			1,162,049
Deferred costs (fees)		139			229
Allowance for loan losses		(7,566	)		(8,599	)
Net loans receivable	$	1,310,012		$	1,153,679

Allowance for Credit Losses on Financing Receivables [Table Text Block]

(dollars in thousands)	Commercial Real Estate		Construction and Land Development		Commercial and Industrial			Owner Occupied Real Estate			Consumer and Other			Residential Mortgage		Unallocated		Total
Three months ended June 30, 201 8
Allowance for loan losses:
Beginning balance:	$	1,903	$	751	$	1,261		$	1,692		$	460		$	508	$	75	$	6,650
Charge-offs		-		-		-			-			(14	)		-		-		(14	)
Recoveries		33		-		76			20			1			-		-		130
Provisions (credits)		103		21		112			144			62			130		228		800
Ending balance	$	2,039	$	772	$	1,449		$	1,856		$	509		$	638	$	303	$	7,566
Three months ended June 30, 201 7
Allowance for loan losses:
Beginning balance:	$	2,962	$	546	$	2,770		$	1,627		$	575		$	130	$	571	$	9,181
Charge-offs		-		-		(152	)		(100	)		(6	)		-		-		(258	)
Recoveries		-		-		30			-			1			-		-		31
Provisions (credits)		209		34		(152	)		71			(26	)		108		256		500
Ending balance	$	3,171	$	580	$	2,496		$	1,598		$	544		$	238	$	827	$	9,454

(dollars in thousands)	Commercia l Real Estate			Construction and Land Development		Commercial and Industrial			Owner Occupied Real Estate			Consumer and Other			Residential Mortgage		Unallocated		Total
Six months ended June 30, 201 8
Allowance for loan losses:
Beginning balance:	$	3,774		$	725	$	1,317		$	1,737		$	573		$	392	$	81	$	8,599
Charge-offs		(1,535	)		-		(151	)		(465	)		(212	)		-		-		(2,363	)
Recoveries		33			-		76			20			1			-		-		130
Provisions (credits)		(233	)		47		207			564			147			246		222		1,200
Ending balance	$	2,039		$	772	$	1,449		$	1,856		$	509		$	638	$	303	$	7,566
Six months ended June 30, 201 7
Allowance for loan losses:
Beginning balance:	$	3,254		$	557	$	2,884		$	1,382		$	588		$	58	$	432	$	9,155
Charge-offs		-			-		(152	)		(108	)		(8	)		-		-		(268	)
Recoveries		7			-		59			-			1			-		-		67
Provisions (credits)		(90	)		23		(295	)		324			(37	)		180		395		500
Ending balance	$	3,171		$	580	$	2,496		$	1,598		$	544		$	238	$	827	$	9,454

(dollars in thousands)	Commercial Real Estate		Construction and Land Development		Commercial and Industrial		Owner Occupied Real Estate		Consumer and Other		Residential Mortgage		Unallocated		Total
June 30, 2018
Allowance for loan losses:
Individually evaluated for impairment	$	-	$	-	$	622	$	201	$	68	$	-	$	-	$	891
Collectively evaluated for impairment		2,039		772		827		1,655		441		638		303		6,675
Total allowance for loan losses	$	2,039	$	772	$	1,449	$	1,856	$	509	$	638	$	303	$	7,566
Loans receivable:
Loans evaluated individually	$	13,811	$	-	$	6,783	$	3,400	$	790	$	-	$	-	$	24,784
Loans evaluated collectively		475,763		120,165		181,471		332,471		82,677		100,108		-		1,292,655
Total loans receivable	$	489,574	$	120,165	$	188,254	$	335,871	$	83,467	$	100,108	$	-	$	1,317,439

(dollars in thousands)	Commercial Real Estate		Construction and Land Development		Commercial and Industrial		Owner Occupied Real Estate		Consumer and Other		Residential Mortgage		Unallocated		Total
December 31, 2017
Allowance for loan losses:
Individually evaluated for impairment	$	1,964	$	-	$	374	$	235	$	217	$	-	$	-	$	2,790
Collectively evaluated for impairment		1,810		725		943		1,502		356		392		81		5,809
Total allowance for loan losses	$	3,774	$	725	$	1,317	$	1,737	$	573	$	392	$	81	$	8,599
Loans receivable:
Loans evaluated individually	$	15,415	$	-	$	4,501	$	3,798	$	1,002	$	-	$	-	$	24,716
Loans evaluated collectively		417,889		104,617		168,842		306,040		75,181		64,764		-		1,137,333
Total loans receivable	$	433,304	$	104,617	$	173,343	$	309,838	$	76,183	$	64,764	$	-	$	1,162,049

Impaired Financing Receivables [Table Text Block]

	June 30, 2018						December 31, 2017
(dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance recorded:
Commercial real estate	$	13,811	$	14,699	$	-	$	9,264	$	9,268	$	-
Construction and land development		-		-		-		-		-		-
Commercial and industrial		4,818		8,618		-		2,756		6,674		-
Owner occupied real estate		2,093		2,241		-		2,595		2,743		-
Consumer and other		638		986		-		655		981		-
Residential mortgage		-		-		-		-		-		-
Total	$	21,360	$	26,544	$	-	$	15,270	$	19,666	$	-
With an allowance recorded:
Commercial real estate	$	-	$	-	$	-	$	6,151	$	6,165	$	1,964
Construction and land development		-		-		-		-		-		-
Commercial and industrial		1,965		2,107		622		1,745		1,752		374
Owner occupied real estate		1,307		1,314		201		1,203		1,206		235
Consumer and other		152		153		68		347		379		217
Residential mortgage		-		-		-		-		-		-
Total	$	3,424	$	3,574	$	891	$	9,446	$	9,502	$	2,790
Total:
Commercial real estate	$	13,811	$	14,699	$	-	$	15,415	$	15,433	$	1,964
Construction and land development		-		-		-		-		-		-
Commercial and industrial		6,783		10,725		622		4,501		8,426		374
Owner occupied real estate		3,400		3,555		201		3,798		3,949		235
Consumer and other		790		1,139		68		1,002		1,360		217
Residential mortgage		-		-		-		-		-		-
Total	$	24,784	$	30,118	$	891	$	24,716	$	29,168	$	2,790

Impaired Financing Receivables, Average Recorded Investment and Interest Income, Accrual Method [Table Text Block]

	Three Months Ended June 30,
	201 8				201 7
(dollars in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial real estate	$	13,828	$	72	$	8,794	$	95
Construction and land development		-		-		-		-
Commercial and industrial		5,162		28		2,139		10
Owner occupied real estate		2,338		14		1,812		17
Consumer and other		639		1		868		5
Residential mortgage		-		-		21		-
Total	$	21,967	$	115	$	13,634	$	127
With an allowance recorded:
Commercial real estate	$	-	$	-	$	6,515	$	4
Construction and land development		-		-		-		-
Commercial and industrial		1,774		-		3,015		17
Owner occupied real estate		1,075		6		1,380		8
Consumer and other		152		-		407		2
Residential mortgage		-		-		-		-
Total	$	3,001	$	6	$	11,317	$	31
Total:
Commercial real estate	$	13,828	$	72	$	15,309	$	99
Construction and land development		-		-		-		-
Commercial and industrial		6.936		28		5,154		27
Owner occupied real estate		3,413		20		3,192		25
Consumer and other		791		1		1,275		7
Residential mortgage		-		-		21		-
Total	$	24,968	$	121	$	24,951	$	158

	Six Months Ended June 30,
	201 8				201 7
(dollars in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial real estate	$	12,307	$	144	$	10,542	$	165
Construction and land development		-		-		-		-
Commercial and industrial		4,360		33		2,035		18
Owner occupied real estate		2,423		28		1,469		29
Consumer and other		644		2		810		8
Residential mortgage		-		-		43		1
Total	$	19,734	$	207	$	14,899	$	221
With an allowance recorded:
Commercial real estate	$	2,050	$	-	$	6,637	$	9
Construction and land development		-		-		-		-
Commercial and industrial		1,765		3		3,159		34
Owner occupied real estate		1,118		12		1,577		14
Consumer and other		217		1		468		6
Residential mortgage		-		-		-		-
Total	$	5,150	$	16	$	11,841	$	63
Total:
Commercial real estate	$	14,357	$	144	$	17,179	$	174
Construction and land development		-		-		-		-
Commercial and industrial		6,125		36		5,194		52
Owner occupied real estate		3,541		40		3,046		43
Consumer and other		861		3		1,278		14
Residential mortgage		-		-		43		1
Total	$	24,884	$	223	$	26,740	$	284

Past Due Financing Receivables [Table Text Block]

(dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Total Loans Receivable		Loans Receivable > 90 Days and Accruing
At June 30 , 201 8
Commercial real estate	$	815	$	129	$	7,426	$	8,370	$	481,204	$	489,574	$	-
Construction and land development		-		-		-		-		120,165		120,165		-
Commercial and industrial		-		-		3,885		3,885		184,369		188,254		-
Owner occupied real estate		-		-		2,004		2,004		333,867		335,871		-
Consumer and other		12		-		791		803		82,664		83,467		-
Residential mortgage		-		-		-		-		100,108		100,108		-
Total	$	827	$	129	$	14,106	$	15,062	$	1,302,377	$	1,317,439	$	-

(dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Total Loans Receivable		Loans Receivable > 90 Days and Accruing
At December 31 , 201 7
Commercial real estate	$	-	$	-	$	8,963	$	8,963	$	424,341	$	433,304	$	-
Construction and land development		-		-		-		-		104,617		104,617		-
Commercial and industrial		969		-		2,895		3,864		169,479		173,343		-
Owner occupied real estate		-		-		2,136		2,136		307,702		309,838		-
Consumer and other		144		-		851		995		75,188		76,183		-
Residential mortgage		-		-		-		-		64,764		64,764		-
Total	$	1,113	$	-	$	14,845	$	15,958	$	1,146,091	$	1,162,049	$	-

Financing Receivable Credit Quality Indicators [Table Text Block]

(dollars in thousands)	Pass		Special Mention		Substandard		Doubtful		Total
At June 3 0 , 2018:
Commercial real estate	$	481.204	$	944	$	7,426	$	-	$	489,574
Construction and land development		120,165		-		-		-		120,165
Commercial and industrial		181,452		19		6,503		280		188,254
Owner occupied real estate		331,121		1,350		3,400		-		335,871
Consumer and other		82,677		-		790		-		83,467
Residential mortgage		99,983		125		-		-		100,108
Total	$	1,296,602	$	2,438	$	18,119	$	280	$	1,317,439

(dollars in thousands)	Pass		Special Mention		Substandard		Doubtful		Total
At December 31, 2017:
Commercial real estate	$	423,382	$	959	$	8,963	$	-	$	433,304
Construction and land development		104,617		-		-		-		104,617
Commercial and industrial		168,702		140		4,221		280		173,343
Owner occupied real estate		306,040		-		3,798		-		309,838
Consumer and other		75,181		-		1,002		-		76,183
Residential mortgage		64,637		127		-		-		64,764
Total	$	1,142,559	$	1,226	$	17,984	$	280	$	1,162,049

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

(dollars in thousands)	June 3 0 , 2018		December 31, 2017
Commercial real estate	$	7,426	$	8,963
Construction and land development		-		-
Commercial and industrial		3,885		2,895
Owner occupied real estate		2,004		2,136
Consumer and other		791		851
Residential mortgage		-		-
Total	$	14,106	$	14,845

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

(dollars in thousands)	Number of Loans		Accrual Status		Non- Accrual Status		Total TDRs
June 3 0 , 2018
Commercial real estate		1	$	6,384	$	-	$	6,384
Construction and land development		-		-		-		-
Commercial and industrial		3		-		1,524		1,524
Owner occupied real estate		1		-		242		242
Consumer and other		-		-		-		-
Residential mortgage		-		-		-		-
Total		5	$	6,384	$	1,766	$	8,150
December 31, 2017
Commercial real estate		1	$	6,452	$	-	$	6,452
Construction and land development		-		-		-		-
Commercial and industrial		3		1,175		349		1,524
Owner occupied real estate		1		242		-		242
Consumer and other		-		-		-		-
Residential mortgage		-		-		-		-
Total		5	$	7,869	$	349	$	8,218