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

6 Months Ended

Jun. 30, 2022

Notes Tables

Schedule Of Financing Receivable By Segment [Table Text Block]

June 30, 2022
Impairment Evaluation
	Individually		Collectively		Total Loans
Loans:
Commercial real estate:
Owner occupied	$	701	$	120,070	$	120,771
Non-owner occupied		5,133		283,201		288,334
Multifamily		-		29,152		29,152
Residential real estate		975		245,478		246,453
Commercial and industrial		1,848		135,550		137,398
Home equity lines of credit		247		111,483		111,730
Construction and other		-		35,988		35,988
Consumer installment		-		8,171		8,171
Total	$	8,904	$	969,093	$	977,997

December 31, 2021
Impairment Evaluation
	Individually		Collectively		Total Loans
Loans:
Commercial real estate:
Owner occupied	$	731	$	110,739	$	111,470
Non-owner occupied		5,297		278,321		283,618
Multifamily		-		31,189		31,189
Residential real estate		1,104		238,985		240,089
Commercial and industrial		587		148,225		148,812
Home equity lines of credit		250		104,105		104,355
Construction and other		-		54,148		54,148
Consumer installment		-		8,010		8,010
Total	$	7,969	$	973,722	$	981,691

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

June 30, 2022
Ending Allowance Balance by Impairment Evaluation:
	Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Total Allocation
Loans:
Commercial real estate:
Owner occupied	$	9	$	1,794	$	1,803
Non-owner occupied		621		6,726		7,347
Multifamily		-		416		416
Residential real estate		13		1,840		1,853
Commercial and industrial		212		1,001		1,213
Home equity lines of credit		1		1,494		1,495
Construction and other		-		399		399
Consumer installment		-		24		24
Total	$	856	$	13,694	$	14,550

December 31, 2021
Ending Allowance Balance by Impairment Evaluation:
	Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Total Allocation
Loans:
Commercial real estate:
Owner occupied	$	10	$	1,826	$	1,836
Non-owner occupied		655		6,776		7,431
Multifamily		-		454		454
Residential real estate		17		1,723		1,740
Commercial and industrial		42		840		882
Home equity lines of credit		16		1,436		1,452
Construction and other		-		533		533
Consumer installment		-		14		14
Total	$	740	$	13,602	$	14,342

	For the six months ended June 30, 2022
	Allowance for Loan and Lease Losses
	Balance										Balance
	December 31, 2021		Charge-offs			Recoveries		Provision			June 30, 2022
Loans:
Commercial real estate:
Owner occupied	$	1,836	$	-		$	3	$	(36	)	$	1,803
Non-owner occupied		7,431		-			-		(84	)		7,347
Multifamily		454		-			-		(38	)		416
Residential real estate		1,740		-			27		86			1,853
Commercial and industrial		882		(30	)		208		153			1,213
Home equity lines of credit		1,452		(25	)		-		68			1,495
Construction and other		533		-			-		(134	)		399
Consumer installment		14		(46	)		71		(15	)		24
Total	$	14,342	$	(101	)	$	309	$	-		$	14,550

	For the six months ended June 30, 2021
	Allowance for Loan and Lease Losses
	Balance										Balance
	December 31, 2020		Charge-offs			Recoveries		Provision			June 30, 2021
Loans:
Commercial real estate:
Owner occupied	$	1,342	$	-		$	43	$	140		$	1,525
Non-owner occupied		6,817		(263	)		-		1,070			7,624
Multifamily		461		-			-		(12	)		449
Residential real estate		1,683		(27	)		3		133			1,792
Commercial and industrial		1,353		-			51		(281	)		1,123
Home equity lines of credit		1,405		-			52		(196	)		1,261
Construction and other		378		-			28		2			408
Consumer installment		20		(102	)		56		44			18
Total	$	13,459	$	(392	)	$	233	$	900		$	14,200

	For the three months ended June 30, 2022
	Allowance for Loan and Lease Losses
	Balance										Balance
	March 31, 2022		Charge-offs			Recoveries		Provision			June 30, 2022
Loans:
Commercial real estate:
Owner occupied	$	1,765	$	-		$	2	$	36		$	1,803
Non-owner occupied		7,672		-					(325	)		7,347
Multifamily		419		-			-		(3	)		416
Residential real estate		1,801		-			-		52			1,853
Commercial and industrial		904		-			59		250			1,213
Home equity lines of credit		1,355		-			-		140			1,495
Construction and other		558		-			-		(159	)		399
Consumer installment		18		(40	)		37		9			24
Total	$	14,492	$	(40	)	$	98	$	-		$	14,550

	For the three months ended June 30, 2021
	Allowance for Loan and Lease Losses
	Balance										Balance
	March 31, 2021		Charge-offs			Recoveries		Provision			June 30, 2021
Loans:
Commercial real estate:
Owner occupied	$	1,427	$	-		$	41	$	57		$	1,525
Non-owner occupied		7,248		(263	)		-		639			7,624
Multifamily		488		-			-		(39	)		449
Residential real estate		1,747		-			1		44			1,792
Commercial and industrial		1,440		-			32		(349	)		1,123
Home equity lines of credit		1,330		-			44		(113	)		1,261
Construction and other		424		-			23		(39	)		408
Consumer installment		18		(28	)		28		-			18
Total	$	14,122	$	(291	)	$	169	$	200		$	14,200

Impaired Financing Receivables [Table Text Block]

June 30, 2022
Impaired Loans
			Unpaid
	Recorded		Principal		Related
	Investment		Balance		Allowance
With no related allowance recorded:
Commercial real estate:
Non-owner occupied	$	841	$	965	$	-
Residential real estate		697		757		-
Commercial and industrial		265		373		-
Home equity lines of credit		240		240		-
Total	$	2,043	$	2,335	$	-
With an allowance recorded:
Commercial real estate:
Owner occupied	$	701	$	701	$	9
Non-owner occupied		4,292		4,902		621
Residential real estate		278		278		13
Commercial and industrial		1,583		1,583		212
Home equity lines of credit		7		7		1
Total	$	6,861	$	7,471	$	856
Total:
Commercial real estate:
Owner occupied	$	701	$	701	$	9
Non-owner occupied		5,133		5,867		621
Residential real estate		975		1,035		13
Commercial and industrial		1,848		1,956		212
Home equity lines of credit		247		247		1
Total	$	8,904	$	9,806	$	856

December 31, 2021
Impaired Loans
			Unpaid
	Recorded		Principal		Related
	Investment		Balance		Allowance
With no related allowance recorded:
Commercial real estate:
Non-owner occupied	$	1,547	$	1,802	$	-
Residential real estate		820		874		-
Commercial and industrial		370		538		-
Home equity lines of credit		7		7		-
Total	$	2,744	$	3,221	$	-
With an allowance recorded:
Commercial real estate:
Owner occupied	$	731	$	731	$	10
Non-owner occupied		3,750		4,277		655
Residential real estate		284		284		17
Commercial and industrial		217		230		42
Home equity lines of credit		243		243		16
Total	$	5,225	$	5,765	$	740
Total:
Commercial real estate:
Owner occupied	$	731	$	731	$	10
Non-owner occupied		5,297		6,079		655
Residential real estate		1,104		1,158		17
Commercial and industrial		587		768		42
Home equity lines of credit		250		250		16
Total	$	7,969	$	8,986	$	740

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

	For the Three Months Ended June 30, 2022				For the Six Months Ended June 30, 2022
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commercial real estate:
Owner occupied	$	709	$	12	$	716	$	23
Non-owner occupied		5,173		57		5,214		115
Residential real estate		986		13		1,025		25
Commercial and industrial		1,239		51		1,022		65
Home equity lines of credit		248		2		249		5
Total	$	8,355	$	135	$	8,226	$	233

	For the Three Months Ended June 30, 2021				For the Six Months Ended June 30, 2021
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commercial real estate:
Owner occupied	$	1,489	$	15	$	1,514	$	31
Non-owner occupied		4,776		23		4,558		67
Residential real estate		1,227		13		1,257		24
Commercial and industrial		864		6		854		13
Home equity lines of credit		239		1		241		3
Total	$	8,595	$	58	$	8,424	$	138

Financing Receivable Credit Quality Indicators [Table Text Block]

			Special						Total
June 30, 2022	Pass		Mention		Substandard		Doubtful		Loans
Commercial real estate:
Owner occupied	$	110,901	$	1,179	$	8,691	$	-	$	120,771
Non-owner occupied		230,002		232		58,100		-		288,334
Multifamily		29,152		-		-		-		29,152
Residential real estate		244,075		-		2,378		-		246,453
Commercial and industrial		130,986		3,416		2,996		-		137,398
Home equity lines of credit		110,607		-		1,123		-		111,730
Construction and other		35,659		329		-		-		35,988
Consumer installment		8,167		-		4		-		8,171
Total	$	899,549	$	5,156	$	73,292	$	-	$	977,997

			Special						Total
December 31, 2021	Pass		Mention		Substandard		Doubtful		Loans
Commercial real estate:
Owner occupied	$	104,217	$	2,400	$	4,853	$	-	$	111,470
Non-owner occupied		230,672		3,038		49,908		-		283,618
Multifamily		31,189		-		-		-		31,189
Residential real estate		237,132		-		2,957		-		240,089
Commercial and industrial		143,911		2,748		2,153		-		148,812
Home equity lines of credit		103,296		-		1,059		-		104,355
Construction and other		53,807		341		-		-		54,148
Consumer installment		8,005		-		5		-		8,010
Total	$	912,229	$	8,527	$	60,935	$	-	$	981,691

Financing Receivable, Past Due [Table Text Block]

			30-59 Days		60-89 Days		90 Days+		Total		Total
June 30, 2022	Current		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Owner occupied	$	120,236	$	-	$	535	$	-	$	535	$	120,771
Non-owner occupied		287,961		-		-		373		373		288,334
Multifamily		29,152		-		-		-		-		29,152
Residential real estate		245,687		676		88		2		766		246,453
Commercial and industrial		137,278		96		5		19		120		137,398
Home equity lines of credit		111,402		129		100		99		328		111,730
Construction and other		35,988		-		-		-		-		35,988
Consumer installment		8,171		-		-		-		-		8,171
Total	$	975,875	$	901	$	728	$	493	$	2,122	$	977,997

			30-59 Days		60-89 Days		90 Days+		Total		Total
December 31, 2021	Current		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Owner occupied	$	111,257	$	81	$	132	$	-	$	213	$	111,470
Non-owner occupied		282,365		880		-		373		1,253		283,618
Multifamily		31,189		-		-		-		-		31,189
Residential real estate		238,483		1,187		-		419		1,606		240,089
Commercial and industrial		148,437		112		-		263		375		148,812
Home equity lines of credit		104,316		-		39		-		39		104,355
Construction and other		54,148		-		-		-		-		54,148
Consumer installment		7,799		16		19		176		211		8,010
Total	$	977,994	$	2,276	$	190	$	1,231	$	3,697	$	981,691

Financing Receivable, Nonaccrual [Table Text Block]

June 30, 2022	Nonaccrual		90+ Days Past Due and Accruing
Commercial real estate:
Owner occupied	$	74	$	-
Non-owner occupied		2,338		-
Multifamily		-		-
Residential real estate		1,602		-
Commercial and industrial		242		-
Home equity lines of credit		247		-
Construction and other		-		-
Consumer installment		167		-
Total	$	4,670	$	-

December 31, 2021	Nonaccrual		90+ Days Past Due and Accruing
Commercial real estate:
Owner occupied	$	81	$	-
Non-owner occupied		2,442		-
Residential real estate		1,577		-
Commercial and industrial		456		-
Home equity lines of credit		121		-
Consumer installment		182		-
Total	$	4,859	$	-

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	For the Three Months Ended
	June 30, 2022
	Number of Contracts						Pre-Modification		Post-Modification
Troubled Debt Restructurings	Term Modification		Other		Total		Outstanding Recorded Investment		Outstanding Recorded Investment
Commercial and industrial		1		-		1	$	1,200	$	1,200

	For the Six Months Ended
	June 30, 2022
	Number of Contracts						Pre-Modification		Post-Modification
Troubled Debt Restructurings	Term Modification		Other		Total		Outstanding Recorded Investment		Outstanding Recorded Investment
Commercial and industrial		2		-		2	$	1,225	$	1,225

	For the Six Months Ended
	June 30, 2021
	Number of Contracts						Pre-Modification		Post-Modification
Troubled Debt Restructurings	Term Modification		Other		Total		Outstanding Recorded Investment		Outstanding Recorded Investment
Commercial and industrial		2		-		2		44		44