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

9 Months Ended

Sep. 30, 2022

Notes Tables

Schedule Of Financing Receivable By Segment [Table Text Block]

September 30, 2022
Impairment Evaluation
	Individually		Collectively		Total Loans
Loans:
Commercial real estate:
Owner occupied	$	5,387	$	115,525	$	120,912
Non-owner occupied		14,140		271,279		285,419
Multifamily		-		38,063		38,063
Residential real estate		892		246,720		247,612
Commercial and industrial		1,763		145,224		146,987
Home equity lines of credit		246		114,098		114,344
Construction and other		-		33,748		33,748
Consumer installment		-		8,110		8,110
Total	$	22,428	$	972,767	$	995,195

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]

September 30, 2022
Ending Allowance Balance by Impairment Evaluation:
	Individually Evaluated for Impairment		Collectively Evaluated for Impairment		Total Allocation
Loans:
Commercial real estate:
Owner occupied	$	36	$	1,848	$	1,884
Non-owner occupied		310		5,388		5,698
Multifamily		-		623		623
Residential real estate		13		2,236		2,249
Commercial and industrial		306		1,426		1,732
Home equity lines of credit		1		1,892		1,893
Construction and other		-		429		429
Consumer installment		-		24		24
Total	$	666	$	13,866	$	14,532

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 nine months ended September 30, 2022
	Allowance for Loan and Lease Losses
	Balance										Balance
	December 31, 2021		Charge-offs			Recoveries		Provision			September 30, 2022
Loans:
Commercial real estate:
Owner occupied	$	1,836	$	-		$	4	$	44		$	1,884
Non-owner occupied		7,431		(150	)	$	-	$	(1,583	)	$	5,698
Multifamily		454		-		$	-	$	169		$	623
Residential real estate		1,740		-		$	61	$	448		$	2,249
Commercial and industrial		882		(30	)	$	269	$	611		$	1,732
Home equity lines of credit		1,452		(25	)	$	-	$	466		$	1,893
Construction and other		533		-		$	-	$	(104	)	$	429
Consumer installment		14		(46	)	$	107	$	(51	)	$	24
Total	$	14,342	$	(251	)	$	441	$	0		$	14,532

	For the nine months ended September 30, 2021
	Allowance for Loan and Lease Losses
	Balance										Balance
	December 31, 2020		Charge-offs			Recoveries		Provision			September 30, 2021
Loans:
Commercial real estate:
Owner occupied	$	1,342	$	-		$	44	$	166		$	1,552
Non-owner occupied		6,817		(313	)		-		1,196			7,700
Multifamily		461		-			-		(63	)		398
Residential real estate		1,683		(27	)		4		15			1,675
Commercial and industrial		1,353		-			70		(264	)		1,159
Home equity lines of credit		1,405		-			55		(132	)		1,328
Construction and other		378		-			46		(33	)		391
Consumer installment		20		(102	)		98		15			31
Total	$	13,459	$	(442	)	$	317	$	900		$	14,234

	For the three months ended September 30, 2022
	Allowance for Loan and Lease Losses
	Balance										Balance
	June 30, 2022		Charge-offs			Recoveries		Provision			September 30, 2022
Loans:
Commercial real estate:
Owner occupied	$	1,803	$	-		$	1	$	80		$	1,884
Non-owner occupied		7,347		(150	)		-		(1,499	)		5,698
Multifamily		416		-			-		207			623
Residential real estate		1,853		-			34		362			2,249
Commercial and industrial		1,213		-			61		458			1,732
Home equity lines of credit		1,495		-			-		398			1,893
Construction and other		399		-			-		30			429
Consumer installment		24		-			36		(36	)		24
Total	$	14,550	$	(150	)	$	132	$	-		$	14,532

	For the three months ended September 30, 2021
	Allowance for Loan and Lease Losses
	Balance										Balance
	June 30, 2021		Charge-offs			Recoveries		Provision			September 30, 2021
Loans:
Commercial real estate:
Owner occupied	$	1,525	$	-		$	1	$	26		$	1,552
Non-owner occupied		7,624		(50	)		0		126			7,700
Multifamily		449		-			0		(51	)		398
Residential real estate		1,792		-			1		(118	)		1,675
Commercial and industrial		1,123		-			19		17			1,159
Home equity lines of credit		1,261		-			3		64			1,328
Construction and other		408		-			18		(35	)		391
Consumer installment		18		-			42		(29	)		31
Total	$	14,200	$	(50	)	$	84	$	0		$	14,234

Impaired Financing Receivables [Table Text Block]

September 30, 2022
Impaired Loans
			Unpaid
	Recorded			Principal	Related
	Investment			Balance	Allowance
With no related allowance recorded:
Commercial real estate:
Non-owner occupied	$	1,085	$	1,821	$	-
Residential real estate		573		635		-
Commercial and industrial		242		354		-
Home equity lines of credit		113		113		-
Total	$	2,013	$	2,923	$	-
With an allowance recorded:
Commercial real estate:
Owner occupied	$	5,387	$	5,387	$	36
Non-owner occupied		13,055		13,124		310
Residential real estate		319		319		13
Commercial and industrial		1,521		1,521		306
Home equity lines of credit		133		133		1
Total	$	20,415	$	20,484	$	666
Total:
Commercial real estate:
Owner occupied	$	5,387	$	5,387	$	36
Non-owner occupied		14,140		14,945		310
Residential real estate		892		954		13
Commercial and industrial		1,763		1,875		306
Home equity lines of credit		246		246		1
Total	$	22,428	$	23,407	$	666

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 September 30, 2022				For the Nine Months Ended September 30, 2022
	Average		Interest		Average		Interest
	Recorded Investment		Income Recognized		Recorded Investment		Income Recognized
Commercial real estate:
Owner occupied	$	3,044	$	119	$	1,884	$	142
Non-owner occupied		9,637		340		7,446		455
Residential real estate		934		10		992		35
Commercial and industrial		1,806		37		1,207		102
Home equity lines of credit		247		4		248		9
Total	$	15,668	$	510	$	11,777	$	743

	For the Three Months Ended September 30, 2021				For the Nine Months Ended September 30, 2021
	Average		Interest		Average		Interest
	Recorded Investment		Income Recognized		Recorded Investment		Income Recognized
Commercial real estate:
Owner occupied	$	1,428	$	14	$	1,485	$	45
Non-owner occupied		5,419		34		4,955		101
Residential real estate		1,190		18		1,234		42
Commercial and industrial		694		9		807		22
Home equity lines of credit		245		6		244		9
Total	$	8,976	$	81	$	8,725	$	219

Financing Receivable Credit Quality Indicators [Table Text Block]

			Special						Total
September 30, 2022	Pass		Mention		Substandard		Doubtful		Loans
Commercial real estate:
Owner occupied	$	111,173	$	1,164	$	8,575	$	-	$	120,912
Non-owner occupied		242,133		215		43,071		-		285,419
Multifamily		38,063		-		-		-		38,063
Residential real estate		245,278		-		2,334		-		247,612
Commercial and industrial		140,328		3,641		3,018		-		146,987
Home equity lines of credit		113,337		-		1,007		-		114,344
Construction and other		33,359		319		70		-		33,748
Consumer installment		8,071		-		39		-		8,110
Total	$	931,742	$	5,339	$	58,114	$	-	$	995,195

			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
September 30, 2022	Current		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Owner occupied	$	120,885	$	27	$	-	$	-	$	27	$	120,912
Non-owner occupied		285,258		-		-		161		161		285,419
Multifamily		38,063		-		-		-		-		38,063
Residential real estate		246,058		1,179		-		375		1,554		247,612
Commercial and industrial		146,805		41		127		14		182		146,987
Home equity lines of credit		114,156		159		-		29		188		114,344
Construction and other		33,748		-		-		-		-		33,748
Consumer installment		7,925		149		36		-		185		8,110
Total	$	992,898	$	1,555	$	163	$	579	$	2,297	$	995,195

			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]

			90+ Days Past Due
September 30, 2022	Nonaccrual		and Accruing
Commercial real estate:
Owner occupied	$	71	$	-
Non-owner occupied		1,450		-
Residential real estate		1,568		-
Commercial and industrial		197		-
Home equity lines of credit		131		-
Construction and other		70		-
Consumer installment		205		-
Total	$	3,692	$	-

			90+ Days Past Due
December 31, 2021	Nonaccrual		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
	September 30, 2022
	Number of Contracts						Pre-Modification		Post-Modification
	Term						Outstanding Recorded		Outstanding Recorded
Troubled Debt Restructurings	Modification		Other		Total		Investment		Investment
Commercial and industrial		1		-		1	$	27	$	27

	For the Nine Months Ended
	September 30. 2022
	Number of Contracts						Pre-Modification		Post-Modification
	Term						Outstanding Recorded		Outstanding Recorded
	Modification		Other		Total		Investment		Investment
Commercial and industrial		3		-		3	$	1,252	$	1,252