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Note 3 - Loans and Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2019

Notes Tables

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

																		Percent
		March 31, 2019								December 31, 2018								Increase
		Balance				%				Balance				%				(Decrease)
Originated loans
Commercial:
Commercial and industrial		$	786,705,000				31.3	%		$	768,698,000				31.3	%			2.3	%
Vacant land, land development, and residential construction			41,179,000				1.6				39,950,000				1.6				3.1
Real estate – owner occupied			503,988,000				20.1				500,188,000				20.4				0.8
Real estate – non-owner occupied			767,318,000				30.6				745,127,000				30.4				3.0
Real estate – multi-family and residential rental			99,523,000				4.0				98,035,000				4.0				1.5
Total commercial			2,198,713,000				87.6				2,151,998,000				87.7				2.2
Retail:
Home equity and other			64,769,000				2.6				65,023,000				2.7				(0.4	)
1-4 family mortgages			247,554,000				9.8				235,425,000				9.6				5.2
Total retail			312,323,000				12.4				300,448,000				12.3				4.0
Total originated loans		$	2,511,036,000				100.0	%		$	2,452,446,000				100.0	%			2.4	%

																		Percent
		March 31, 2019								December 31, 2018								Increase
		Balance				%				Balance				%				(Decrease)
Acquired loans
Commercial:
Commercial and industrial		$	52,502,000				18.2	%		$	54,025,000				18.0	%			(2.8	%)
Vacant land, land development, and residential construction			4,713,000				1.6				4,935,000				1.6				(4.5	)
Real estate – owner occupied			47,530,000				16.5				48,431,000				16.1				(1.9	)
Real estate – non-owner occupied			68,360,000				23.7				71,155,000				23.7				(3.9	)
Real estate – multi-family and residential rental			28,380,000				9.8				29,562,000				9.8				(4.0	)
Total commercial			201,485,000				69.8				208,108,000				69.2				(3.2	)
Retail:
Home equity and other			18,358,000				6.4				20,416,000				6.8				(10.1	)
1-4 family mortgages			68,760,000				23.8				72,115,000				24.0				(4.7	)
Total retail			87,118,000				30.2				92,531,000				30.8				(5.8	)
Total acquired loans		$	288,603,000				100.0	%		$	300,639,000				100.0	%			(4.0	%)

																		Percent
		March 31, 2019								December 31, 2018								Increase
		Balance				%				Balance				%				(Decrease)
Total loans
Commercial:
Commercial and industrial		$	839,207,000				30.0	%		$	822,723,000				29.9	%			2.0	%
Vacant land, land development, and residential construction			45,892,000				1.6				44,885,000				1.6				2.2
Real estate – owner occupied			551,518,000				19.7				548,619,000				19.9				0.5
Real estate – non-owner occupied			835,678,000				29.8				816,282,000				29.7				2.4
Real estate – multi-family and residential rental			127,903,000				4.6				127,597,000				4.6				0.2
Total commercial			2,400,198,000				85.7				2,360,106,000				85.7				1.7
Retail:
Home equity and other			83,127,000				3.0				85,439,000				3.1				(2.7	)
1-4 family mortgages			316,314,000				11.3				307,540,000				11.2				2.9
Total retail			399,441,000				14.3				392,979,000				14.3				1.6
Total loans		$	2,799,639,000				100.0	%		$	2,753,085,000				100.0	%			1.7	%

Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Accretable Yield Movement [Table Text Block]

Balance at December 31, 2018		$	1,274,000
Additions			2,000
Accretion income			(119,000	)
Net reclassification from nonaccretable to accretable			121,000
Reductions (1)			(8,000	)
Balance at March 31, 2019		$	1,270,000
Balance at December 31, 2017		$	1,404,000
Additions			0
Accretion income			(131,000	)
Net reclassification from nonaccretable to accretable			86,000
Reductions (1)			(40,000	)
Balance at March 31, 2018		$	1,319,000

Financing Receivable, Nonaccrual [Table Text Block]

		March 31,				December 31,
		2019				2018
Loans past due 90 days or more still accruing interest		$	0			$	0
Nonaccrual loans			1,035,000				803,000
Total nonperforming originated loans		$	1,035,000			$	803,000

		March 31,				December 31,
		2019				2018
Loans past due 90 days or more still accruing interest		$	0			$	0
Nonaccrual loans			3,103,000				3,338,000
Total nonperforming acquired loans		$	3,103,000			$	3,338,000

		March 31,				December 31,
		2019				2018
Commercial:
Commercial and industrial		$	207,000			$	17,000
Vacant land, land development, and residential construction			0				0
Real estate – owner occupied			767,000				950,000
Real estate – non-owner occupied			62,000				0
Real estate – multi-family and residential rental			135,000				141,000
Total commercial			1,171,000				1,108,000
Retail:
Home equity and other			447,000				454,000
1-4 family mortgages			2,520,000				2,579,000
Total retail			2,967,000				3,033,000
Total nonperforming loans		$	4,138,000			$	4,141,000

Financing Receivable, Past Due [Table Text Block]

		30 – 59 Days Past Due				60 – 89 Days Past Due				Greater Than 89 Days Past Due				Total Past Due				Current				Total Loans				Recorded Balance > 89 Days and Accruing
Originated loans
Commercial:
Commercial and industrial		$	0			$	6,000			$	0			$	6,000			$	786,699,000			$	786,705,000			$	0
Vacant land, land development, and residential construction			0				0				0				0				41,179,000				41,179,000				0
Real estate – owner occupied			0				0				0				0				503,988,000				503,988,000				0
Real estate – non-owner occupied			0				0				0				0				767,318,000				767,318,000				0
Real estate – multi-family and residential rental			0				0				0				0				99,523,000				99,523,000				0
Total commercial			0				6,000				0				6,000				2,198,707,000				2,198,713,000				0
Retail:
Home equity and other			13,000				17,000				0				30,000				64,739,000				64,769,000				0
1-4 family mortgages			426,000				0				125,000				551,000				247,003,000				247,554,000				0
Total retail			439,000				17,000				125,000				581,000				311,742,000				312,323,000				0
Total past due loans		$	439,000			$	23,000			$	125,000			$	587,000			$	2,510,449,000			$	2,511,036,000			$	0

																										Recorded
		30 – 59				60 – 89				Greater Than 89																Balance > 89
		Days				Days				Days				Total								Total				Days and
		Past Due				Past Due				Past Due				Past Due				Current				Loans				Accruing
Acquired loans
Commercial:
Commercial and industrial		$	359,000			$	0			$	0			$	359,000			$	52,143,000			$	52,502,000			$	0
Vacant land, land development, and residential construction			0				0				0				0				4,713,000				4,713,000				0
Real estate – owner occupied			106,000				0				27,000				133,000				47,397,000				47,530,000				0
Real estate – non-owner occupied			28,000				0				61,000				89,000				68,271,000				68,360,000				0
Real estate – multi-family and residential rental			0				0				0				0				28,380,000				28,380,000				0
Total commercial			493,000				0				88,000				581,000				200,904,000				201,485,000				0
Retail:
Home equity and other			107,000				1,000				45,000				153,000				18,205,000				18,358,000				0
1-4 family mortgages			401,000				192,000				697,000				1,290,000				67,470,000				68,760,000				0
Total retail			508,000				193,000				742,000				1,443,000				85,675,000				87,118,000				0
Total past due loans		$	1,001,000			$	193,000			$	830,000			$	2,024,000			$	286,579,000			$	288,603,000			$	0

		30 – 59 Days Past Due				60 – 89 Days Past Due				Greater Than 89 Days Past Due				Total Past Due				Current				Total Loans				Recorded Balance > 89 Days and Accruing
Originated loans
Commercial:
Commercial and industrial		$	186,000			$	0			$	0			$	186,000			$	768,512,000			$	768,698,000			$	0
Vacant land, land development, and residential construction			0				0				0				0				39,950,000				39,950,000				0
Real estate – owner occupied			0				0				0				0				500,188,000				500,188,000				0
Real estate – non-owner occupied			0				0				0				0				745,127,000				745,127,000				0
Real estate – multi-family and residential rental			0				0				0				0				98,035,000				98,035,000				0
Total commercial			186,000				0				0				186,000				2,151,812,000				2,151,998,000				0
Retail:
Home equity and other			44,000				0				0				44,000				64,979,000				65,023,000				0
1-4 family mortgages			291,000				0				137,000				428,000				234,997,000				235,425,000				0
Total retail			335,000				0				137,000				472,000				299,976,000				300,448,000				0
Total past due loans		$	521,000			$	0			$	137,000			$	658,000			$	2,451,788,000			$	2,452,446,000			$	0

																										Recorded
		30 – 59				60 – 89				Greater Than 89																Balance > 89
		Days				Days				Days				Total								Total				Days and
		Past Due				Past Due				Past Due				Past Due				Current				Loans				Accruing
Acquired Loans
Commercial:
Commercial and industrial		$	8,000			$	0			$	0			$	8,000			$	54,017,000			$	54,025,000			$	0
Vacant land, land development, and residential construction			19,000				0				0				19,000				4,916,000				4,935,000				0
Real estate – owner occupied			108,000				950,000				0				1,058,000				47,373,000				48,431,000				0
Real estate – non-owner occupied			62,000				0				0				62,000				71,093,000				71,155,000				0
Real estate – multi-family and residential rental			0				0				0				0				29,562,000				29,562,000				0
Total commercial			197,000				950,000				0				1,147,000				206,961,000				208,108,000				0
Retail:
Home equity and other			167,000				31,000				0				198,000				20,218,000				20,416,000				0
1-4 family mortgages			821,000				347,000				612,000				1,780,000				70,335,000				72,115,000				0
Total retail			988,000				378,000				612,000				1,978,000				90,553,000				92,531,000				0
Total past due loans		$	1,185,000			$	1,328,000			$	612,000			$	3,125,000			$	297,514,000			$	300,639,000			$	0

Impaired Financing Receivables [Table Text Block]

														First Quarter
		Unpaid												Average
		Contractual				Recorded								Recorded
		Principal				Principal				Related				Principal
		Balance				Balance				Allowance				Balance
With no related allowance recorded:
Commercial:
Commercial and industrial		$	9,577,000			$	9,577,000							$	9,091,000
Vacant land, land development and residential construction			91,000				91,000								92,000
Real estate – owner occupied			503,000				502,000								567,000
Real estate – non-owner occupied			0				0								0
Real estate – multi-family and residential rental			0				0								0
Total commercial			10,171,000				10,170,000								9,750,000
Retail:
Home equity and other			628,000				607,000								597,000
1-4 family mortgages			1,033,000				364,000								377,000
Total retail			1,661,000				971,000								974,000
Total with no related allowance recorded		$	11,832,000			$	11,141,000							$	10,724,000

														First Quarter
		Unpaid												Average
		Contractual				Recorded								Recorded
		Principal				Principal				Related				Principal
		Balance				Balance				Allowance				Balance
With an allowance recorded:
Commercial:
Commercial and industrial		$	5,509,000			$	5,506,000			$	546,000			$	5,258,000
Vacant land, land development and residential construction			0				0				0				0
Real estate – owner occupied			2,696,000				2,696,000				308,000				2,677,000
Real estate – non-owner occupied			0				0				0				0
Real estate – multi-family and residential rental			138,000				131,000				1,000				133,000
Total commercial			8,343,000				8,333,000				855,000				8,068,000
Retail:
Home equity and other			394,000				381,000				168,000				406,000
1-4 family mortgages			407,000				336,000				23,000				338,000
Total retail			801,000				717,000				191,000				744,000
Total with an allowance recorded		$	9,144,000			$	9,050,000			$	1,046,000			$	8,812,000
Total impaired loans:
Commercial		$	18,514,000			$	18,503,000			$	855,000			$	17,818,000
Retail			2,462,000				1,688,000				191,000				1,718,000
Total impaired loans		$	20,976,000			$	20,191,000			$	1,046,000			$	19,536,000

														First Quarter
		Unpaid												Average
		Contractual				Recorded								Recorded
		Principal				Principal				Related				Principal
		Balance				Balance				Allowance				Balance
With no related allowance recorded:
Commercial:
Commercial and industrial		$	394,000			$	394,000							$	396,000
Vacant land, land development and residential construction			0				0								0
Real estate – owner occupied			853,000				837,000								1,015,000
Real estate – non-owner occupied			61,000				61,000								31,000
Real estate – multi-family and residential rental			45,000				25,000								26,000
Total commercial			1,353,000				1,317,000								1,468,000
Retail:
Home equity and other			609,000				569,000								465,000
1-4 family mortgages			2,543,000				1,779,000								1,814,000
Total retail			3,152,000				2,348,000								2,279,000
Total with no related allowance recorded		$	4,505,000			$	3,665,000							$	3,747,000

														First Quarter
		Unpaid												Average
		Contractual				Recorded								Recorded
		Principal				Principal				Related				Principal
		Balance				Balance				Allowance				Balance
With an allowance recorded:
Commercial:
Commercial and industrial		$	157,000			$	149,000			$	27,000			$	158,000
Vacant land, land development and residential construction			0				0				0				0
Real estate – owner occupied			145,000				145,000				0				146,000
Real estate – non-owner occupied			189,000				189,000				0				199,000
Real estate – multi-family and residential rental			0				0				0				2,000
Total commercial			491,000				483,000				27,000				505,000
Retail:
Home equity and other			301,000				298,000				123,000				369,000
1-4 family mortgages			480,000				449,000				75,000				410,000
Total retail			781,000				747,000				198,000				779,000
Total with an allowance recorded		$	1,272,000			$	1,230,000			$	225,000			$	1,284,000
Total impaired loans:
Commercial		$	1,844,000			$	1,800,000			$	27,000			$	1,973,000
Retail			3,933,000				3,095,000				198,000				3,058,000
Total impaired loans		$	5,777,000			$	4,895,000			$	225,000			$	5,031,000

														First Quarter
		Unpaid												Average
		Contractual				Recorded								Recorded
		Principal				Principal				Related				Principal
		Balance				Balance				Allowance				Balance
With no related allowance recorded:
Commercial:
Commercial and industrial		$	8,604,000			$	8,604,000							$	206,000
Vacant land, land development and residential construction			94,000				94,000								17,000
Real estate – owner occupied			632,000				632,000								2,164,000
Real estate – non-owner occupied			0				0								0
Real estate – multi-family and residential rental			0				0								343,000
Total commercial			9,330,000				9,330,000								2,730,000
Retail:
Home equity and other			607,000				586,000								716,000
1-4 family mortgages			1,053,000				390,000								437,000
Total retail			1,660,000				976,000								1,153,000
Total with no related allowance recorded		$	10,990,000			$	10,306,000							$	3,883,000

														First Quarter
		Unpaid												Average
		Contractual				Recorded								Recorded
		Principal				Principal				Related				Principal
		Balance				Balance				Allowance				Balance
With an allowance recorded:
Commercial:
Commercial and industrial		$	5,011,000			$	5,011,000			$	83,000			$	2,561,000
Vacant land, land development and residential construction			0				0				0				0
Real estate – owner occupied			2,658,000				2,658,000				363,000				1,532,000
Real estate – non-owner occupied			0				0				0				0
Real estate – multi-family and residential rental			140,000				135,000				5,000				72,000
Total commercial			7,809,000				7,804,000				451,000				4,165,000
Retail:
Home equity and other			442,000				431,000				194,000				823,000
1-4 family mortgages			409,000				341,000				44,000				232,000
Total retail			851,000				772,000				238,000				1,055,000
Total with an allowance recorded		$	8,660,000			$	8,576,000			$	689,000			$	5,220,000
Total impaired loans:
Commercial		$	17,139,000			$	17,134,000			$	451,000			$	6,895,000
Retail			2,511,000				1,748,000				238,000				2,208,000
Total impaired loans		$	19,650,000			$	18,882,000			$	689,000			$	9,103,000

														First Quarter
		Unpaid												Average
		Contractual				Recorded								Recorded
		Principal				Principal				Related				Principal
		Balance				Balance				Allowance				Balance
With no related allowance recorded:
Commercial:
Commercial and industrial		$	398,000			$	398,000							$	877,000
Vacant land, land development and residential construction			0				0								0
Real estate – owner occupied			1,193,000				1,193,000								687,000
Real estate – non-owner occupied			0				0								235,000
Real estate – multi-family and residential rental			45,000				26,000								131,000
Total commercial			1,636,000				1,617,000								1,930,000
Retail:
Home equity and other			388,000				361,000								578,000
1-4 family mortgages			2,494,000				1,849,000								2,080,000
Total retail			2,882,000				2,210,000								2,658,000
Total with no related allowance recorded		$	4,518,000			$	3,827,000							$	4,588,000

														First Quarter
		Unpaid												Average
		Contractual				Recorded								Recorded
		Principal				Principal				Related				Principal
		Balance				Balance				Allowance				Balance
With an allowance recorded:
Commercial:
Commercial and industrial		$	175,000			$	166,000			$	43,000			$	0
Vacant land, land development and residential construction			0				0				0				0
Real estate – owner occupied			147,000				147,000				0				799,000
Real estate – non-owner occupied			210,000				210,000				0				0
Real estate – multi-family and residential rental			3,000				3,000				0				0
Total commercial			535,000				526,000				43,000				799,000
Retail:
Home equity and other			462,000				440,000				178,000				0
1-4 family mortgages			418,000				371,000				89,000				0
Total retail			880,000				811,000				267,000				0
Total with an allowance recorded		$	1,415,000			$	1,337,000			$	310,000			$	799,000
Total impaired loans:
Commercial		$	2,171,000			$	2,143,000			$	43,000			$	2,729,000
Retail			3,762,000				3,021,000				267,000				2,658,000
Total impaired loans		$	5,933,000			$	5,164,000			$	310,000			$	5,387,000

Financing Receivable Credit Quality Indicators [Table Text Block]

		Commercial and Industrial				Commercial Vacant Land, Land Development, and Residential Construction				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Commercial Real Estate - Multi-Family and Residential Rental
Internal credit risk grade groupings:
Grades 1 – 4		$	502,445,000			$	27,712,000			$	322,379,000			$	540,692,000			$	72,447,000
Grades 5 – 7			271,530,000				13,376,000				172,354,000				226,626,000				26,895,000
Grades 8 – 9			12,730,000				91,000				9,255,000				0				181,000
Total commercial		$	786,705,000			$	41,179,000			$	503,988,000			$	767,318,000			$	99,523,000

		Commercial and Industrial				Commercial Vacant Land, Land Development, and Residential Construction				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Commercial Real Estate - Multi-Family and Residential Rental
Internal credit risk grade groupings:
Grades 1 – 4		$	34,515,000			$	1,185,000			$	21,891,000			$	53,083,000			$	16,889,000
Grades 5 – 7			17,783,000				3,267,000				24,549,000				15,140,000				11,444,000
Grades 8 – 9			204,000				261,000				1,090,000				137,000				47,000
Total commercial		$	52,502,000			$	4,713,000			$	47,530,000			$	68,360,000			$	28,380,000

		Commercial and Industrial				Commercial Vacant Land, Land Development, and Residential Construction				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Commercial Real Estate - Multi-Family and Residential Rental
Internal credit risk grade groupings:
Grades 1 – 4		$	508,611,000			$	28,170,000			$	325,459,000			$	526,445,000			$	75,051,000
Grades 5 – 7			238,942,000				11,686,000				163,455,000				218,682,000				22,798,000
Grades 8 – 9			21,145,000				94,000				11,274,000				0				186,000
Total commercial		$	768,698,000			$	39,950,000			$	500,188,000			$	745,127,000			$	98,035,000

		Commercial and Industrial				Commercial Vacant Land, Land Development, and Residential Construction				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Commercial Real Estate - Multi-Family and Residential Rental
Internal credit risk grade groupings:
Grades 1 – 4		$	34,678,000			$	1,246,000			$	21,595,000			$	54,401,000			$	16,050,000
Grades 5 – 7			19,122,000				3,431,000				25,485,000				16,687,000				13,460,000
Grades 8 – 9			225,000				258,000				1,351,000				67,000				52,000
Total commercial		$	54,025,000			$	4,935,000			$	48,431,000			$	71,155,000			$	29,562,000

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

		Commercial				Retail
		Loans				Loans				Unallocated				Total
Allowance for loan losses:
Beginning balance		$	19,442,000			$	2,068,000			$	44,000			$	21,554,000
Provision for loan losses			578,000				207,000				184,000				969,000
Charge-offs			0				(174,000	)			0				(174,000	)
Recoveries			30,000				39,000				0				69,000
Ending balance		$	20,050,000			$	2,140,000			$	228,000			$	22,418,000
Ending balance: individually evaluated for impairment		$	855,000			$	191,000			$	0			$	1,046,000
Ending balance: collectively evaluated for impairment		$	19,195,000			$	1,949,000			$	228,000			$	21,372,000
Total loans:
Ending balance		$	2,198,713,000			$	312,323,000							$	2,511,036,000
Ending balance: individually evaluated for impairment		$	18,503,000			$	1,688,000							$	20,191,000
Ending balance: collectively evaluated for impairment		$	2,180,210,000			$	310,635,000							$	2,490,845,000

		Commercial				Retail
		Loans				Loans				Unallocated				Total
Allowance for loan losses:
Beginning balance		$	177,000			$	649,000			$	0			$	826,000
Provision for loan losses			(16,000	)			(103,000	)			0				(119,000	)
Charge-offs			0				0				0				0
Recoveries			0				10,000				0				10,000
Ending balance		$	161,000			$	556,000			$	0			$	717,000

		Commercial				Retail
		Loans				Loans				Unallocated				Total
Allowance for loan losses:
Beginning balance		$	16,456,000			$	2,584,000			$	93,000			$	19,133,000
Provision for loan losses			(341,000	)			(563,000	)			122,000				(782,000	)
Charge-offs			(258,000	)			(135,000	)			0				(393,000	)
Recoveries			1,008,000				115,000				0				1,123,000
Ending balance		$	16,865,000			$	2,001,000			$	215,000			$	19,081,000
Ending balance: individually evaluated for impairment		$	547,000			$	316,000			$	0			$	863,000
Ending balance: collectively evaluated for impairment		$	16,318,000			$	1,685,000			$	215,000			$	18,218,000
Total loans:
Ending balance		$	2,151,998,000			$	300,448,000							$	2,452,446,000
Ending balance: individually evaluated for impairment		$	17,134,000			$	1,748,000							$	18,882,000
Ending balance: collectively evaluated for impairment		$	2,134,864,000			$	298,700,000							$	2,433,564,000

		Commercial				Retail
		Loans				Loans				Unallocated				Total
Allowance for loan losses:
Beginning balance		$	291,000			$	77,000			$	0			$	368,000
Provision for loan losses			314,000				468,000				0				782,000
Charge-offs			(246,000	)			(15,000	)			0				(261,000	)
Recoveries			0				4,000				0				4,000
Ending balance		$	359,000			$	534,000			$	0			$	893,000

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

						Pre-				Post-
						Modification				Modification
						Recorded				Recorded
		Number of				Principal				Principal
		Contracts				Balance				Balance
Originated loans
Commercial:
Commercial and industrial			11			$	591,000			$	3,164,000
Vacant land, land development and residential construction			0				0				0
Real estate – owner occupied			1				70,000				70,000
Real estate – non-owner occupied			0				0				0
Real estate – multi-family and residential rental			0				0				0
Total originated commercial			12				661,000				3,234,000
Retail:
Home equity and other			0				0				0
1-4 family mortgages			0				0				0
Total originated retail			0				0				0
Total originated loans			12			$	661,000			$	3,234,000
Acquired loans
Commercial:
Commercial and industrial			0			$	0			$	0
Vacant land, land development and residential construction			0				0				0
Real estate – owner occupied			1				690,000				679,000
Real estate – non-owner occupied			0				0				0
Real estate – multi-family and residential rental			0				0				0
Total acquired commercial			1				690,000				679,000
Retail:
Home equity and other			4				70,000				70,000
1-4 family mortgages			1				32,000				32,000
Total acquired retail			5				102,000				102,000
Total acquired loans			6			$	792,000			$	781,000

						Pre-				Post-
						Modification				Modification
						Recorded				Recorded
		Number of				Principal				Principal
		Contracts				Balance				Balance
Originated loans
Commercial:
Commercial and industrial			3			$	107,000			$	96,000
Vacant land, land development and residential construction			0				0				0
Real estate – owner occupied			4				3,865,000				3,854,000
Real estate – non-owner occupied			0				0				0
Real estate – multi-family and residential rental			0				0				0
Total originated commercial			7				3,972,000				3,950,000
Retail:
Home equity and other			1				50,000				50,000
1-4 family mortgages			0				0				0
Total originated retail			1				50,000				50,000
Total originated loans			8			$	4,022,000			$	4,000,000
Acquired loans
Commercial:
Commercial and industrial			0			$	0			$	0
Vacant land, land development and residential construction			0				0				0
Real estate – owner occupied			3				1,597,000				1,597,000
Real estate – non-owner occupied			0				0				0
Real estate – multi-family and residential rental			0				0				0
Total acquired commercial			3				1,597,000				1,597,000
Retail:
Home equity and other			6				118,000				119,000
1-4 family mortgages			0				0				0
Total acquired retail			6				118,000				119,000
Total acquired loans			9			$	1,715,000			$	1,716,000

Troubled Debt Restructurings on Financing Receivables with in Previous Twelve Months that Became Over Thirty Days Past Due [Table Text Block]

						Recorded
		Number of				Principal
		Contracts				Balance
Commercial:
Commercial and industrial			0			$	0
Vacant land, land development and residential construction			0				0
Real estate – owner occupied			0				0
Real estate – non-owner occupied			0				0
Real estate – multi-family and residential rental			0				0
Total commercial			0				0
Retail:
Home equity and other			0				0
1-4 family mortgages			0				0
Total retail			0				0
Total			0			$	0

						Recorded
		Number of				Principal
		Contracts				Balance
Commercial:
Commercial and industrial			0			$	0
Vacant land, land development and residential construction			0				0
Real estate – owner occupied			0				0
Real estate – non-owner occupied			0				0
Real estate – multi-family and residential rental			0				0
Total commercial			0				0
Retail:
Home equity and other			2				54,000
1-4 family mortgages			0				0
Total retail			2				54,000
Total			2			$	54,000

						Recorded
		Number of				Principal
		Contracts				Balance
Commercial:
Commercial and industrial			0			$	0
Vacant land, land development and residential construction			0				0
Real estate – owner occupied			1				251,000
Real estate – non-owner occupied			0				0
Real estate – multi-family and residential rental			0				0
Total commercial			1				251,000
Retail:
Home equity and other			0				0
1-4 family mortgages			0				0
Total retail			0				0
Total			1			$	251,000

						Recorded
		Number of				Principal
		Contracts				Balance
Commercial:
Commercial and industrial			1			$	113,000
Vacant land, land development and residential construction			0				0
Real estate – owner occupied			0				0
Real estate – non-owner occupied			0				0
Real estate – multi-family and residential rental			0				0
Total commercial			1				113,000
Retail:
Home equity and other			2				20,000
1-4 family mortgages			0				0
Total retail			2				20,000
Total			3			$	133,000

Trouble Debt Restructuring Activity [Table Text Block]

		Commercial and Industrial				Commercial Vacant Land, Land Development, and Residential Construction				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Commercial Real Estate - Multi-Family and Residential Rental
Commercial Loan Portfolio:
Beginning Balance		$	13,590,000			$	0			$	2,682,000			$	0			$	0
Charge-Offs			0				0				0				0				0
Payments			(1,656,000	)			0				(39,000	)			0				0
Transfers to ORE			0				0				0				0				0
Net Additions/Deletions			3,138,000				0				70,000				0				0
Ending Balance		$	15,072,000			$	0			$	2,713,000			$	0			$	0

		Retail				Retail
		Home Equity				1-4 Family
		and Other				Mortgages
Retail Loan Portfolio:
Beginning Balance		$	938,000			$	142,000
Charge-Offs			0				0
Payments			(23,000	)			(1,000	)
Transfers to ORE			0				0
Net Additions/Deletions			0				0
Ending Balance		$	915,000			$	141,000

		Commercial and Industrial				Commercial Vacant Land, Land Development, and Residential Construction				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Commercial Real Estate - Multi-Family and Residential Rental
Commercial Loan Portfolio:
Beginning Balance		$	548,000			$	0			$	418,000			$	210,000			$	24,000
Charge-Offs			0				0				0				0				0
Payments			(10,000	)			0				(9,000	)			(21,000	)			(3,000	)
Transfers to ORE			0				0				(97,000	)			0				0
Net Additions/Deletions			0				0				670,000				0				0
Ending Balance		$	538,000			$	0			$	982,000			$	189,000			$	21,000

		Retail				Retail
		Home Equity				1-4 Family
		and Other				Mortgages
Retail Loan Portfolio:
Beginning Balance		$	464,000			$	436,000
Charge-Offs			0				0
Payments			(5,000	)			(10,000	)
Transfers to ORE			0				0
Net Additions/Deletions			70,000				32,000
Ending Balance		$	529,000			$	458,000

		Commercial and Industrial				Commercial Vacant Land, Land Development, and Residential Construction				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Commercial Real Estate - Multi-Family and Residential Rental
Commercial Loan Portfolio:
Beginning Balance		$	2,989,000			$	383,000			$	1,599,000			$	0			$	0
Charge-Offs			(230,000	)			0				0				0				0
Payments			(882,000	)			(45,000	)			(855,000	)			0				0
Transfers to ORE			0				0				0				0				0
Net Additions/Deletions			105,000				0				3,804,000				0				0
Ending Balance		$	1,982,000			$	338,000			$	4,548,000			$	0			$	0

		Retail				Retail
		Home Equity				1-4 Family
		and Other				Mortgages
Retail Loan Portfolio:
Beginning Balance		$	1,127,000			$	146,000
Charge-Offs			0				0
Payments			(8,000	)			(2,000	)
Transfers to ORE			0				0
Net Additions/Deletions			50,000				0
Ending Balance		$	1,169,000			$	144,000

		Commercial and Industrial				Commercial Vacant Land, Land Development, and Residential Construction				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Commercial Real Estate - Multi-Family and Residential Rental
Commercial Loan Portfolio:
Beginning Balance		$	1,001,000			$	0			$	427,000			$	237,000			$	41,000
Charge-Offs			(275,000	)			0				0				0				0
Payments			(10,000	)			0				(17,000	)			(5,000	)			(5,000	)
Transfers to ORE			0				0				0				0				0
Net Additions/Deletions			0				0				1,597,000				0				0
Ending Balance		$	716,000			$	0			$	2,007,000			$	232,000			$	36,000

		Retail				Retail
		Home Equity				1-4 Family
		and Other				Mortgages
Retail Loan Portfolio:
Beginning Balance		$	219,000			$	393,000
Charge-Offs			(15,000	)			0
Payments			(1,000	)			(9,000	)
Transfers to ORE			(82,000	)			0
Net Additions/Deletions			119,000				0
Ending Balance		$	240,000			$	384,000

Allowance Related to Loans Categorized as Troubled Debt Restructurings [Table Text Block]

		March 31,				December 31,
		2019				2018
Commercial:
Commercial and industrial		$	382,000			$	126,000
Vacant land, land development, and residential construction			0				0
Real estate – owner occupied			308,000				363,000
Real estate – non-owner occupied			0				0
Real estate – multi-family and residential rental			0				0
Total commercial			690,000				489,000
Retail:
Home equity and other			258,000				337,000
1-4 family mortgages			86,000				110,000
Total retail			344,000				447,000
Total related allowance		$	1,034,000			$	936,000

Retail Portfolio Segment [Member]

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

		Retail				Retail
		Home Equity				1-4 Family
		and Other				Mortgages
Total retail		$	64,769,000			$	247,554,000

		Retail				Retail
		Home Equity				1-4 Family
		and Other				Mortgages
Total retail		$	18,358,000			$	68,760,000

		Retail				Retail
		Home Equity				1-4 Family
		and Other				Mortgages
Total retail		$	65,023,000			$	235,425,000

		Retail				Retail
		Home Equity				1-4 Family
		and Other				Mortgages
Total retail		$	20,416,000			$	72,115,000

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