Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

March 31, 2023
Term Loans Amortized Cost Basis by Origination Year															Revolving Loans
(Dollar amounts in thousands)	2023		2022			2021		2020		2019		Prior			Amortized Cost			Total

Net loans held for investment:
Commercial real estate:
Owner occupied
Pass	$	3,245	$	31,354		$	42,999	$	26,212	$	14,801	$	48,029		$	3,863		$	170,503
Special Mention		-		4,092			-		1,589		701		431			-			6,813
Substandard		-		-			-		-		-		8,345			-			8,345
Total Owner occupied	$	3,245	$	35,446		$	42,999	$	27,801	$	15,502	$	56,805		$	3,863		$	185,661
Current-period gross charge-offs	$	-	$	-		$	-	$	-	$	-	$	-		$	-			-
Non-owner occupied
Pass	$	17,592	$	71,406		$	49,627	$	24,380	$	37,711	$	138,870		$	2,194		$	341,780
Special Mention		-		2,507			-		-		-		3,836			-			6,343
Substandard		-		-			-		-		-		41,335			-			41,335
Doubtful		-		-			696		-		4,177		-			-			4,873
Total Non-owner occupied	$	17,592	$	73,913		$	50,323	$	24,380	$	41,888	$	184,041		$	2,194		$	394,331
Current-period gross charge-offs		-	$	-		$	-	$	-	$	-	$	-		$	-			-
Multifamily
Pass	$	4,380	$	28,027		$	4,382	$	10,736	$	1,423	$	14,803		$	141		$	63,892
Special Mention		-		-			-		-		-		-			-			-
Substandard		-		-			-		-		-		-			-			-
Total Multifamily	$	4,380	$	28,027		$	4,382	$	10,736	$	1,423	$	14,803		$	141		$	63,892
Current-period gross charge-offs	$	-	$	-		$	-	$	-	$	-	$	-		$	-			-
Residential real estate
Pass	$	12,659	$	54,476		$	82,056	$	41,768	$	21,105	$	91,881			521		$	304,466
Special Mention		-		-			-		-		-		-			-			-
Substandard		-		-			258		-		28		1,427			-			1,713
Total Residential real estate	$	12,659	$	54,476		$	82,314	$	41,768	$	21,133	$	93,308		$	521		$	306,179
Current-period gross charge-offs	$	-	$	-		$	-	$	-	$	-	$	-		$	-		$	-
Commercial and industrial
Pass	$	7,682	$	48,127		$	22,392	$	33,958	$	3,950	$	9,180		$	59,737		$	185,026
Special Mention		-		390			347		166		145		567			6,178			7,793
Substandard		-		18			-		378		159		1,122			528			2,205
Total Commercial and industrial	$	7,682	$	48,535		$	22,739	$	34,502	$	4,254	$	10,869		$	66,443		$	195,024
Current-period gross charge-offs	$	-	$	-		$	-	$	-	$	-	$	(54	)	$	-		$	(54	)
Home equity lines of credit
Pass	$	-	$	233		$	247	$	22		66	$	2,813		$	122,027		$	125,408
Special Mention		-		-			-		-		-		-			-			-
Substandard		-		-			-		25		31		478			613			1,147
Total Home equity lines of credit	$	-	$	233		$	247	$	47	$	97	$	3,291		$	122,640		$	126,555
Current-period gross charge-offs	$	-	$	-		$	-	$	-	$	-	$	-		$	-		$	-
Construction and other
Pass	$	16,912	$	44,063		$	24,431	$	727	$	2,902	$	1,247		$	9,253		$	99,535
Special Mention		-		-			-		-		297		-			-			297
Substandard		-		-			420		-		2,037		-			1,100			3,557
Total Construction and other	$	16,912	$	44,063		$	24,851	$	727	$	5,236	$	1,247		$	10,353		$	103,389
Current-period gross charge-offs	$	-	$	-		$	-	$	-	$	-	$	-		$	-			-
Consumer installment
Pass	$	734	$	1,606		$	689	$	191	$	105	$	4,490		$	-		$	7,815
Special Mention		-		-			-		-		-		-			-			-
Substandard		-		-			-		1		-		-			-			1
Total Consumer installment	$	734	$	1,606		$	689	$	192	$	105	$	4,490		$	-		$	7,816
Current-period gross charge-offs	$	-	$	(22	)	$	-	$	-	$	-	$	(7	)	$	(29	)	$	(58	)

Total Loans	$	63,204	$	286,299		$	228,544	$	140,153	$	89,638	$	368,854		$	206,155		$	1,382,847

			Special						Total
December 31, 2022	Pass		Mention		Substandard		Doubtful		Loans

Commercial real estate:
Owner occupied	$	176,400	$	6,873	$	8,475	$	-	$	191,748
Non-owner occupied		331,584		6,387		42,609		-		380,580
Multifamily		58,251		-		-		-		58,251
Residential real estate		294,254		-		2,054		-		296,308
Commercial and industrial		185,674		7,936		1,992		-		195,602
Home equity lines of credit		127,080		-		985		-		128,065
Construction and other		90,728		308		3,163		-		94,199
Consumer installment		8,117		-		2		-		8,119
Total	$	1,272,088	$	21,504	$	59,280	$	-	$	1,352,872

Impaired Financing Receivables [Table Text Block]

December 31, 2022
Impaired Loans
			Unpaid
	Recorded		Principal		Related
	Investment		Balance		Allowance
With no related allowance recorded:
Commercial real estate:
Owner occupied	$	4,141	$	4,141	$	-
Non-owner occupied		1,042		1,042		-
Residential real estate		706		770		-
Commercial and industrial		450		547		-
Home equity lines of credit		112		112		-
Total	$	6,451	$	6,612	$	-

With an allowance recorded:
Commercial real estate:
Owner occupied	$	1,509	$	1,509	$	407
Non-owner occupied		12,528		12,528		167
Residential real estate		317		317		28
Commercial and industrial		1,378		1,378		39
Home equity lines of credit		132		132		48
Total	$	15,864	$	15,864	$	689

Total:
Commercial real estate:
Owner occupied	$	5,650	$	5,650	$	407
Non-owner occupied		13,570		13,570		167
Residential real estate		1,023		1,087		28
Commercial and industrial		1,828		1,925		39
Home equity lines of credit		244		244		48
Total	$	22,315	$	22,476	$	689

Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Table Text Block]

(In Thousands)	December 1, 2022		December 31, 2022
Outstanding balance	$	7,919	$	7,998
Carrying amount	$	6,019	$	6,068

Financing Receivable, Nonaccrual [Table Text Block]

	March 31, 2023
	Nonaccrual		Nonaccrual				Loans Past
(Dollar amounts in thousands)	with no		with		Total		Due Over 90 Days		Total
	ACL		ACL		Nonaccrual		Still Accruing		Nonperforming
Commercial real estate:
Owner occupied	$	-	$	65	$	65	$	-	$	65
Non-owner occupied		4,873		-		4,873		-		4,873
Residential real estate		173		916		1,089		-		1,089
Commercial and industrial		170		92		262		-		262
Home equity lines of credit		-		364		364		-		364
Construction and other		-		66		66		-		66
Consumer installment		161		2		163		-		163
Total	$	5,377	$	1,505	$	6,882	$	-	$	6,882

			90+ Days Past Due
December 31, 2022	Nonaccrual		and Accruing

Commercial real estate:
Owner occupied	$	69	$	-
Residential real estate		1,431		-
Commercial and industrial		186		-
Home equity lines of credit		191		-
Construction and other		68		-
Consumer installment		166		-
Total	$	2,111	$	-

Financing Receivable, Modified [Table Text Block]

					Payment		Interest Rate				Percentage of
					Deferral		Reduction				Total Loans
	Payment		Term		and Term		and Term				Held for
	Deferral		Extension		Extension		Past Due		Total		Investment

Commercial real estate:
Non-owner occupied	$	-	$	4,179	$	-	$	-	$	4,179		0.30	%
Commercial and industrial		-		149		-		-		149		0.01	%
Consumer installment		-		8		-		-		8		0.00	%
Total	$	-	$	4,336	$	-	$	-	$	4,336		0.31	%

For the Three Months Ended

March 31, 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

$

25

$

25