Note 8 - Loans and Related Allowance for Loan and Lease Losses (Tables)

3 Months Ended

Mar. 31, 2020

Notes Tables

Schedule Of Financing Receivable By Segment [Table Text Block]

March 31, 2020
Impairment Evaluation
	Individually		Collectively		Total Loans
Loans:
Commercial real estate:
Owner occupied	$	3,432	$	109,840	$	113,272
Non-owner occupied		7,043		285,732		292,775
Multifamily		-		52,276		52,276
Residential real estate		1,152		232,748		233,900
Commercial and industrial		911		105,886		106,797
Home equity lines of credit		347		114,586		114,933
Construction and other		-		71,186		71,186
Consumer installment		1		12,860		12,861
Total	$	12,886	$	985,114	$	998,000

December 31, 2019
Impairment Evaluation
	Individually		Collectively		Total Loans
Loans:
Commercial real estate:
Owner occupied	$	3,474	$	98,912	$	102,386
Non-owner occupied		7,084		295,096		302,180
Multifamily		-		62,028		62,028
Residential real estate		1,278		233,520		234,798
Commercial and industrial		882		88,645		89,527
Home equity lines of credit		351		111,897		112,248
Construction and other		-		66,680		66,680
Consumer installment		1		14,410		14,411
Total	$	13,070	$	971,188	$	984,258

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

March 31, 2020
Ending Allowance Balance Attributable to Loans:
	Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Total Allocation
Loans:
Commercial real estate:
Owner occupied	$	53	$	1,046	$	1,099
Non-owner occupied		1,095		3,269		4,364
Multifamily		-		386		386
Residential real estate		25		1,139		1,164
Commercial and industrial		3		713		716
Home equity lines of credit		40		1,200		1,240
Construction and other		-		254		254
Consumer installment		-		21		21
Total	$	1,216	$	8,028	$	9,244

December 31, 2019
Ending Allowance Balance Attributable to Loans:
	Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Total Allocation
Loans:
Commercial real estate:
Owner occupied	$	45	$	756	$	801
Non-owner occupied		582		2,800		3,382
Multifamily		-		340		340
Residential real estate		28		698		726
Commercial and industrial		3		453		456
Home equity lines of credit		2		930		932
Construction and other		-		103		103
Consumer installment		-		28		28
Total	$	660	$	6,108	$	6,768

	Allowance for Loan and Lease Losses
	Balance									Balance
	December 31, 2019		Charge-offs			Recoveries		Provision		March 31, 2020
Loans:
Commercial real estate:
Owner occupied	$	801	$	-		$	3	$	295	$	1,099
Non-owner occupied		3,382		-			74		908		4,364
Multifamily		340		-			-		46		386
Residential real estate		726		(46	)		29		455		1,164
Commercial and industrial		456		(61	)		109		212		716
Home equity lines of credit		932		(13	)		3		318		1,240
Construction and other		103		-			17		134		254
Consumer installment		28		(388	)		9		372		21
Total	$	6,768	$	(508	)	$	244	$	2,740	$	9,244

	Allowance for Loan and Lease Losses
	Balance										Balance
	December 31, 2018		Charge-offs			Recoveries		Provision			March 31, 2019
Loans:
Commercial real estate:
Owner occupied	$	1,315	$	(32	)	$	1	$	(454	)	$	830
Non-owner occupied		2,862		-			-		(5	)		2,857
Multifamily		474		-			-		18			492
Residential real estate		761		-			10		2			773
Commercial and industrial		969		(347	)		16		(52	)		586
Home equity lines of credit		820		(91	)		4		99			832
Construction and other		100		-			23		625			748
Consumer installment		127		(47	)		1		7			88
Total	$	7,428	$	(517	)	$	55	$	240		$	7,206

Impaired Financing Receivables [Table Text Block]

March 31, 2020
Impaired Loans
			Unpaid
	Recorded		Principal		Related
	Investment		Balance		Allowance
With no related allowance recorded:
Commercial real estate:
Owner occupied	$	1,749	$	1,749	$	-
Non-owner occupied		2,773		2,773		-
Residential real estate		636		699		-
Commercial and industrial		791		1,512		-
Home equity lines of credit		179		189		-
Consumer installment		1		1		-
Total	$	6,129	$	6,923	$	-
With an allowance recorded:
Commercial real estate:
Owner occupied	$	1,683	$	1,693	$	53
Non-owner occupied		4,270		4,270		1,095
Residential real estate		516		567		25
Commercial and industrial		120		120		3
Home equity lines of credit		168		168		40
Total	$	6,757	$	6,818	$	1,216
Total:
Commercial real estate:
Owner occupied	$	3,432	$	3,442	$	53
Non-owner occupied		7,043		7,043		1,095
Residential real estate		1,152		1,266		25
Commercial and industrial		911		1,632		3
Home equity lines of credit		347		357		40
Consumer installment		1		1		-
Total	$	12,886	$	13,741	$	1,216

December 31, 2019
Impaired Loans
			Unpaid
	Recorded		Principal		Related
	Investment		Balance		Allowance
With no related allowance recorded:
Commercial real estate:
Owner occupied	$	1,772	$	1,772	$	-
Non-owner occupied		3,845		3,845		-
Residential real estate		759		829		-
Commercial and industrial		747		1,524		-
Home equity lines of credit		220		228		-
Consumer installment		1		1		-
Total	$	7,344	$	8,199	$	-
With an allowance recorded:
Commercial real estate:
Owner occupied	$	1,702	$	1,713	$	45
Non-owner occupied		3,239		3,239		582
Residential real estate		519		569		28
Commercial and industrial		135		135		3
Home equity lines of credit		131		131		2
Total	$	5,726	$	5,787	$	660
Total:
Commercial real estate:
Owner occupied	$	3,474	$	3,485	$	45
Non-owner occupied		7,084		7,084		582
Residential real estate		1,278		1,398		28
Commercial and industrial		882		1,659		3
Home equity lines of credit		351		359		2
Consumer installment		1		1		-
Total	$	13,070	$	13,986	$	660

Schedule of Additional Information Related to Impaired Loans [Table Text Block]

	For the Three Months Ended March 31, 2020				For the Three Months Ended March 31, 2019
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commercial real estate:
Owner occupied	$	3,453	$	33	$	4,235	$	46
Non-owner occupied		7,064		49		5,057		52
Residential real estate		1,215		11		1,795		11
Commercial and industrial		897		10		2,198		30
Home equity lines of credit		349		2		118		1
Construction and other		-		-		1,620		45
Consumer installment		1		-		2		-
Total	$	12,979	$	105	$	15,025	$	185

Financing Receivable Credit Quality Indicators [Table Text Block]

			Special						Total
March 31, 2020	Pass		Mention		Substandard		Doubtful		Loans
Commercial real estate:
Owner occupied	$	106,356	$	3,938	$	2,978	$	-	$	113,272
Non-owner occupied		275,603		3,375		13,797		-		292,775
Multifamily		40,685		-		11,591		-		52,276
Residential real estate		231,140		414		2,346		-		233,900
Commercial and industrial		101,055		3,956		1,786		-		106,797
Home equity lines of credit		113,675		-		1,258		-		114,933
Construction and other		71,186		-		-		-		71,186
Consumer installment		12,853		-		8		-		12,861
Total	$	952,553	$	11,683	$	33,764	$	-	$	998,000

			Special						Total
December 31, 2019	Pass		Mention		Substandard		Doubtful		Loans
Commercial real estate:
Owner occupied	$	95,518	$	3,951	$	2,917	$	-	$	102,386
Non-owner occupied		292,192		3,038		6,950		-		302,180
Multifamily		62,028		-		-		-		62,028
Residential real estate		231,633		420		2,745		-		234,798
Commercial and industrial		84,136		3,619		1,772		-		89,527
Home equity lines of credit		111,354		-		894		-		112,248
Construction and other		66,680		-		-		-		66,680
Consumer installment		14,398		-		13		-		14,411
Total	$	957,939	$	11,028	$	15,291	$	-	$	984,258

Financing Receivable, Past Due [Table Text Block]

			30-59 Days		60-89 Days		90 Days+		Total		Total
March 31, 2020	Current		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Owner occupied	$	112,222	$	-	$	-	$	1,050	$	1,050	$	113,272
Non-owner occupied		282,603		6,885		48		3,239		10,172		292,775
Multifamily		52,276		-		-		-		-		52,276
Residential real estate		230,471		2,577		462		390		3,429		233,900
Commercial and industrial		106,157		329		118		193		640		106,797
Home equity lines of credit		114,611		101		156		65		322		114,933
Construction and other		71,005		181		-		-		181		71,186
Consumer installment		12,576		37		22		226		285		12,861
Total	$	981,921	$	10,110	$	806	$	5,163	$	16,079	$	998,000

			30-59 Days		60-89 Days		90 Days+		Total		Total
December 31, 2019	Current		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Owner occupied	$	101,264	$	64	$	-	$	1,058	$	1,122	$	102,386
Non-owner occupied		298,941		-		-		3,239		3,239		302,180
Multifamily		62,028		-		-		-		-		62,028
Residential real estate		232,518		1,439		34		807		2,280		234,798
Commercial and industrial		88,965		190		66		306		562		89,527
Home equity lines of credit		111,792		274		29		153		456		112,248
Construction and other		66,680		-		-		-		-		66,680
Consumer installment		13,378		622		216		195		1,033		14,411
Total	$	975,566	$	2,589	$	345	$	5,758	$	8,692	$	984,258

Financing Receivable, Nonaccrual [Table Text Block]

			90+ Days Past Due
March 31, 2020	Nonaccrual		and Accruing
Commercial real estate:
Owner occupied	$	1,175	$	-
Non-owner occupied		3,287		-
Residential real estate		2,180		-
Commercial and industrial		835		-
Home equity lines of credit		699		-
Consumer installment		229		-
Total	$	8,405	$	-

			90+ Days Past Due
December 31, 2019	Nonaccrual		and Accruing
Commercial real estate:
Owner occupied	$	1,162	$	-
Non-owner occupied		3,289		-
Residential real estate		2,576		-
Commercial and industrial		946		-
Home equity lines of credit		709		-
Consumer installment		197		-
Total	$	8,879	$	-

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	For the Three Months Ended
	March 31, 2020
	Number of Contracts						Pre-Modification		Post-Modification
Troubled Debt Restructurings	Term Modification		Other		Total		Outstanding Recorded Investment		Outstanding Recorded Investment
Residential real estate		2		-		2	$	42	$	42
Commercial and industrial		1		-		1		95		95