XML 32 R22.htm IDEA: XBRL DOCUMENT v3.20.2
Note 3 - Loans and Allowance for Loan Losses (Tables)
6 Months Ended
Jun. 30, 2020
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
                  

Percent

 
  

June 30, 2020

  

December 31, 2019

  

Increase

 
  

Balance

  

%

  

Balance

  

%

  

(Decrease)

 
                     

Commercial:

                    

Commercial and industrial (1)

 $1,307,455,000   39.2

%

 $846,551,000   29.6

%

  54.4

%

Vacant land, land development, and residential construction

  52,984,000   1.6   56,119,000   2.0   (5.6

)

Real estate – owner occupied

  567,621,000   17.0   579,003,000   20.3   (2.0

)

Real estate – non-owner occupied

  841,145,000   25.2   835,346,000   29.2   0.7 

Real estate – multi-family and residential rental

  132,047,000   4.0   124,525,000   4.4   6.0 

Total commercial

  2,901,252,000   87.0   2,441,544,000   85.5   18.8 
                     

Retail:

                    

Home equity and other

  64,743,000   2.0   75,374,000   2.6   (14.1

)

1-4 family mortgages

  367,061,000   11.0   339,749,000   11.9   8.0 

Total retail

  431,804,000   13.0   415,123,000   14.5   4.0 
                     

Total loans

 $3,333,056,000   100.0

%

 $2,856,667,000   100.0

%

  16.7

%

Financing Receivable, Nonaccrual [Table Text Block]
  

June 30,

2020

  

December 31,

2019

 
         

Loans past due 90 days or more still accruing interest

 $0  $0 

Nonaccrual loans

  3,212,000   2,284,000 
         

Total nonperforming loans

 $3,212,000  $2,284,000 
  

June 30,

2020

  

December 31,

2019

 

Commercial:

        

Commercial and industrial

 $98,000  $0 

Vacant land, land development, and residential construction

  198,000   0 

Real estate – owner occupied

  275,000   134,000 

Real estate – non-owner occupied

  25,000   0 

Real estate – multi-family and residential rental

  0   2,000 

Total commercial

  596,000   136,000 
         

Retail:

        

Home equity and other

  250,000   255,000 

1-4 family mortgages

  2,366,000   1,893,000 

Total retail

  2,616,000   2,148,000 
         

Total nonperforming loans

 $3,212,000  $2,284,000 
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

 
                             

Commercial:

                            

Commercial and industrial

 $0  $0  $38,000  $38,000  $1,307,417,000  $1,307,455,000  $0 

Vacant land, land development, and residential construction

  0   22,000   198,000   220,000   52,764,000   52,984,000   0 

Real estate – owner occupied

  0   0   181,000   181,000   567,440,000   567,621,000   0 

Real estate – non-owner occupied

  0   25,000   0   25,000   841,120,000   841,145,000   0 

Real estate – multi-family and residential rental

  0   0   0   0   132,047,000   132,047,000   0 

Total commercial

  0   47,000   417,000   464,000   2,900,788,000   2,901,252,000   0 
                             

Retail:

                            

Home equity and other

  49,000   39,000   90,000   178,000   64,565,000   64,743,000   0 

1-4 family mortgages

  238,000   96,000   429,000   763,000   366,298,000   367,061,000   0 

Total retail

  287,000   135,000   519,000   941,000   430,863,000   431,804,000   0 
                             

Total past due loans

 $287,000  $182,000  $936,000  $1,405,000  $3,331,651,000  $3,333,056,000  $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

 
                             

Commercial:

                            

Commercial and industrial

 $0  $0  $0  $0  $846,551,000  $846,551,000  $0 

Vacant land, land development, and residential construction

  191,000   0   0   191,000   55,928,000   56,119,000   0 

Real estate – owner occupied

  0   0   134,000   134,000   578,869,000   579,003,000   0 

Real estate – non-owner occupied

  0   0   0   0   835,346,000   835,346,000   0 

Real estate – multi-family and residential rental

  0   0   0   0   124,525,000   124,525,000   0 

Total commercial

  191,000   0   134,000   325,000   2,441,219,000   2,441,544,000   0 
                             

Retail:

                            

Home equity and other

  171,000   65,000   20,000   256,000   75,118,000   75,374,000   0 

1-4 family mortgages

  745,000   29,000   529,000   1,303,000   338,446,000   339,749,000   0 

Total retail

  916,000   94,000   549,000   1,559,000   413,564,000   415,123,000   0 
                             

Total past due loans

 $1,107,000  $94,000  $683,000  $1,884,000  $2,854,783,000  $2,856,667,000  $0 
Impaired Financing Receivables [Table Text Block]
  

Unpaid

Contractual

Principal

Balance

  

Recorded

Principal

Balance

 

Related

Allowance

 

Second

Quarter

Average

Recorded

Principal

Balance

  

Year-To-Date

Average

Recorded

Principal

Balance

 
                  

With no related allowance recorded

                 

Commercial:

                 

Commercial and industrial

 $8,784,000  $8,753,000   $9,460,000  $9,016,000 

Vacant land, land development and residential construction

  538,000   453,000    326,000   246,000 

Real estate – owner occupied

  4,434,000   4,375,000    4,316,000   3,100,000 

Real estate – non-owner occupied

  25,000   25,000    12,000   67,000 

Real estate – multi-family and residential rental

  21,000   0    2,000   4,000 

Total commercial

  13,802,000   13,606,000    14,116,000   12,433,000 

Retail:

                 

Home equity and other

  1,359,000   1,274,000    1,273,000   1,252,000 

1-4 family mortgages

  4,561,000   2,571,000    2,627,000   2,407,000 

Total retail

  5,920,000   3,845,000    3,900,000   3,659,000 
                  

Total with no related allowance recorded

 $19,722,000  $17,451,000   $18,016,000  $16,092,000 
  

Unpaid

Contractual

Principal

Balance

  

Recorded

Principal

Balance

  

Related

Allowance

  

Second

Quarter

Average

Recorded

Principal

Balance

  

Year-To-Date

Average

Recorded

Principal

Balance

 

With an allowance recorded

                    

Commercial:

                    

Commercial and industrial

 $1,331,000  $1,330,000  $1,006,000  $1,751,000  $1,320,000 

Vacant land, land development and residential construction

  0   0   0   192,000   128,000 

Real estate – owner occupied

  49,000   49,000   2,000   126,000   443,000 

Real estate – non-owner occupied

  170,000   170,000   3,000   85,000   57,000 

Real estate – multi-family and residential rental

  1,000   1,000   0   0   0 

Total commercial

  1,551,000   1,550,000   1,011,000   2,154,000   1,948,000 

Retail:

                    

Home equity and other

  596,000   577,000   339,000   486,000   486,000 

1-4 family mortgages

  662,000   662,000   162,000   638,000   544,000 

Total retail

  1,258,000   1,239,000   501,000   1,124,000   1,030,000 
                     

Total with an allowance recorded

 $2,809,000  $2,789,000  $1,512,000  $3,278,000  $2,978,000 
                     

Total impaired loans:

                    

Commercial

 $15,353,000  $15,156,000  $1,011,000  $16,270,000  $14,381,000 

Retail

  7,178,000   5,084,000   501,000   5,024,000   4,689,000 

Total impaired loans

 $22,531,000  $20,240,000  $1,512,000  $21,294,000  $19,070,000 
  

Unpaid

Contractual

Principal

Balance

  

Recorded

Principal

Balance

 

Related

Allowance

 

Second

Quarter

Average

Recorded

Principal

Balance

  

Year-To-Date

Average

Recorded

Principal

Balance

 
                  

With no related allowance recorded

                 

Commercial:

                 

Commercial and industrial

 $8,129,000  $8,129,000   $10,214,000  $9,810,000 

Vacant land, land development and residential construction

  85,000   85,000    90,000   91,000 

Real estate – owner occupied

  715,000   667,000    2,083,000   1,996,000 

Real estate – non-owner occupied

  178,000   178,000    175,000   117,000 

Real estate – multi-family and residential rental

  29,000   9,000    89,000   68,000 

Total commercial

  9,136,000   9,068,000    12,651,000   12,082,000 

Retail:

                 

Home equity and other

  1,279,000   1,209,000    1,360,000   1,222,000 

1-4 family mortgages

  3,272,000   1,968,000    2,201,000   2,214,000 

Total retail

  4,551,000   3,177,000    3,561,000   3,436,000 
                  

Total with no related allowance recorded

 $13,687,000  $12,245,000   $16,212,000  $15,518,000 
  

Unpaid

Contractual

Principal

Balance

  

Recorded

Principal

Balance

  

Related

Allowance

  

Second

Quarter

Average

Recorded

Principal

Balance

  

Year-To-Date

Average

Recorded

Principal

Balance

 

With an allowance recorded

                    

Commercial:

                    

Commercial and industrial

 $460,000  $458,000  $202,000  $9,687,000  $8,184,000 

Vacant land, land development and residential construction

  0   0   0   0   0 

Real estate – owner occupied

  1,078,000   1,078,000   982,000   1,384,000   1,858,000 

Real estate – non-owner occupied

  0   0   0   47,000   101,000 

Real estate – multi-family and residential rental

  0   0   0   65,000   90,000 

Total commercial

  1,538,000   1,536,000   1,184,000   11,183,000   10,233,000 

Retail:

                    

Home equity and other

  502,000   485,000   356,000   572,000   672,000 

1-4 family mortgages

  358,000   356,000   83,000   639,000   663,000 

Total retail

  860,000   841,000   439,000   1,211,000   1,335,000 
                     

Total with an allowance recorded

 $2,398,000  $2,377,000  $1,623,000  $12,394,000  $11,568,000 
                     

Total impaired loans:

                    

Commercial

 $10,674,000  $10,604,000  $1,184,000  $23,834,000  $22,315,000 

Retail

  5,411,000   4,018,000   439,000   4,772,000   4,771,000 

Total impaired loans

 $16,085,000  $14,622,000  $1,623,000  $28,606,000  $27,086,000 
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 (1)

 $1,008,010,000  $21,500,000  $309,221,000  $545,764,000  $73,394,000 

Grades 5 – 7

  289,342,000   30,914,000   253,695,000   294,423,000   58,461,000 

Grades 8 – 9

  10,103,000   570,000   4,705,000   958,000   192,000 

Total commercial

 $1,307,455,000  $52,984,000  $567,621,000  $841,145,000  $132,047,000 
  

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

 $521,920,000  $26,065,000  $351,671,000  $563,087,000  $85,152,000 

Grades 5 – 7

  309,824,000   29,716,000   220,980,000   272,124,000   39,203,000 

Grades 8 – 9

  14,807,000   338,000   6,352,000   135,000   170,000 

Total commercial

 $846,551,000  $56,119,000  $579,003,000  $835,346,000  $124,525,000 
Financing Receivable, Allowance for Credit Loss [Table Text Block]
  

Commercial

Loans

  

Retail

Loans

  

Unallocated

  

Total

 
                 

Allowance for loan losses:

                

Balance at March 31, 2020

 $21,750,000  $3,078,000  $0  $24,828,000 

Provision for loan losses

  6,466,000   1,074,000   60,000   7,600,000 

Charge-offs

  (301,000

)

  (34,000

)

  0   (335,000

)

Recoveries

  47,000   106,000   0   153,000 

Ending balance

 $27,962,000  $4,224,000  $60,000  $32,246,000 
                 
                 

Allowance for loan losses:

                

Balance at December 31, 2019

 $21,070,000  $2,749,000  $70,000  $23,889,000 

Provision for loan losses

  7,039,000   1,321,000   (10,000

)

  8,350,000 

Charge-offs

  (314,000

)

  (61,000

)

  0   (375,000

)

Recoveries

  167,000   215,000   0   382,000 

Ending balance

 $27,962,000  $4,224,000  $60,000  $32,246,000 
                 

Ending balance: individually evaluated for impairment

 $1,011,000  $501,000  $0  $1,512,000 
                 

Ending balance: collectively evaluated for impairment

 $26,951,000  $3,723,000  $60,000  $30,734,000 
                 
                 

Total loans:

                

Ending balance

 $2,901,252,000  $431,804,000     $3,333,056,000 
                 

Ending balance: individually evaluated for impairment

 $15,156,000  $5,084,000     $20,240,000 
                 

Ending balance: collectively evaluated for impairment

 $2,886,096,000  $426,720,000     $3,312,816,000 
  

Commercial

Loans

  

Retail

Loans

  

Unallocated

  

Total

 
                 

Allowance for loan losses:

                

Balance at March 31, 2019

 $20,211,000  $2,696,000  $228,000  $23,135,000 

Provision for loan losses

  1,015,000   16,000   (131,000

)

  900,000 

Charge-offs

  (2,000

)

  (75,000

)

  0   (77,000

)

Recoveries

  47,000   48,000   0   95,000 

Ending balance

 $21,271,000  $2,685,000  $97,000  $24,053,000 
                 
                 

Allowance for loan losses:

                

Balance at December 31, 2018

 $19,619,000  $2,717,000  $44,000  $22,380,000 

Provision for loan losses

  1,579,000   118,000   53,000   1,750,000 

Charge-offs

  (2,000

)

  (250,000

)

  0   (252,000

)

Recoveries

  75,000   100,000   0   175,000 

Ending balance

 $21,271,000  $2,685,000  $97,000  $24,053,000 
                 

Ending balance: individually evaluated for impairment

 $2,149,000  $387,000  $0  $2,536,000 
                 

Ending balance: collectively evaluated for impairment

 $19,122,000  $2,298,000  $97,000  $21,517,000 
                 
                 

Total loans:

                

Ending balance

 $2,441,544,000  $415,123,000     $2,856,667,000 
                 

Ending balance: individually evaluated for impairment

 $10,986,000  $4,070,000     $15,056,000 
                 

Ending balance: collectively evaluated for impairment

 $2,430,558,000  $411,053,000     $

2,841,611,000

 

Financing Receivable, Troubled Debt Restructuring [Table Text Block]
  

Number of

Contracts

  

Pre-

Modification

Recorded

Principal

Balance

  

Post-

Modification

Recorded

Principal

Balance

 
            

Commercial:

           

Commercial and industrial

 2  $6,000  $6,000 

Vacant land, land development and residential construction

 0   0   0 

Real estate – owner occupied

 0   0   0 

Real estate – non-owner occupied

 0   0   0 

Real estate – multi-family and residential rental

 0   0   0 

Total commercial

 2   6,000   6,000 
            

Retail:

           

Home equity and other

 7   438,000   439,000 

1-4 family mortgages

 1   20,000   20,000 

Total retail

 8   458,000   459,000 
            

Total loans

 10  $464,000  $465,000 
  

Number of

Contracts

  

Pre-

Modification

Recorded

Principal

Balance

  

Post-

Modification

Recorded

Principal

Balance

 
            

Commercial:

           

Commercial and industrial

 8  $6,545,000  $6,542,000 

Vacant land, land development and residential construction

 0   0   0 

Real estate – owner occupied

 8   4,261,000   3,659,000 

Real estate – non-owner occupied

 0   0   0 

Real estate – multi-family and residential rental

 0   0   0 

Total commercial

 16   10,806,000   10,201,000 
            

Retail:

           

Home equity and other

 10   503,000   505,000 

1-4 family mortgages

 1   20,000   20,000 

Total retail

 11   523,000   525,000 
            

Total loans

 27  $11,329,000  $10,726,000 
  

Number of

Contracts

  

Pre-

Modification

Recorded

Principal

Balance

  

Post-

Modification

Recorded

Principal

Balance

 
            

Commercial:

           

Commercial and industrial

 3  $14,040,000  $14,337,000 

Vacant land, land development and residential construction

 0   0   0 

Real estate – owner occupied

 1   1,567,000   1,567,000 

Real estate – non-owner occupied

 0   0   0 

Real estate – multi-family and residential rental

 0   0   0 

Total commercial

 4   15,607,000   15,904,000 
            

Retail:

           

Home equity and other

 4   93,000   94,000 

1-4 family mortgages

 3   122,000   122,000 

Total retail

 7   215,000   216,000 
            

Total loans

 11  $15,822,000  $16,120,000 
  

Number of

Contracts

  

Pre-

Modification

Recorded

Principal

Balance

  

Post-

Modification

Recorded

Principal

Balance

 
            

Commercial:

           

Commercial and industrial

 6  $14,429,000  $14,726,000 

Vacant land, land development and residential construction

 0   0   0 

Real estate – owner occupied

 2   2,257,000   2,246,000 

Real estate – non-owner occupied

 0   0   0 

Real estate – multi-family and residential rental

 0   0   0 

Total commercial

 8   16,686,000   16,972,000 
            

Retail:

           

Home equity and other

 8   163,000   164,000 

1-4 family mortgages

 4   154,000   154,000 

Total retail

 12   317,000   318,000 
            

Total loans

 20  $17,003,000  $17,290,000 
Troubled Debt Restructurings on Financing Receivables with in Previous Twelve Months that Became Over Thirty Days Past Due [Table Text Block]
  

Number of

Contracts

  

Recorded

Principal

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 
  

Number of

Contracts

  

Recorded

Principal

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

 1   32,000 

Total retail

 1   32,000 
        

Total

 1  $32,000 
  

Number of

Contracts

  

Recorded

Principal

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 
  

Number of

Contracts

  

Recorded

Principal

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 
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

 $12,204,000  $82,000  $3,811,000  $174,000  $3,000 

Charge-Offs

  0   0   0   0   0 

Payments

  (2,143,000

)

  (2,000

)

  (20,000

)

  (4,000

)

  (2,000

)

Transfers to ORE

  0   0   0   0   0 

Net Additions/Deletions

  6,000   0   0   0   0 

Ending Balance

 $10,067,000  $80,000  $3,791,000  $170,000  $1,000 
  

Retail

Home Equity

and Other

  

Retail

1-4 Family

Mortgages

 

Retail Loan Portfolio:

        

Beginning Balance

 $1,452,000  $715,000 

Charge-Offs

  0   0 

Payments

  (175,000

)

  (20,000

)

Transfers to ORE

  0   0 

Net Additions/Deletions

  438,000   20,000 

Ending Balance

 $1,715,000  $715,000 
  

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

 $8,587,000  $85,000  $1,145,000  $178,000  $7,000 

Charge-Offs

  0   0   0   0   0 

Payments

  (4,975,000

)

  (5,000

)

  (1,008,000

)

  (8,000

)

  (6,000

)

Transfers to ORE

  0   0   0   0   0 

Net Additions/Deletions

  6,455,000   0   3,654,000   0   0 

Ending Balance

 $10,067,000  $80,000  $3,791,000  $170,000  $1,000 
  

Retail

Home Equity

and Other

  

Retail

1-4 Family

Mortgages

 

Retail Loan Portfolio:

        

Beginning Balance

 $1,415,000  $724,000 

Charge-Offs

  0   0 

Payments

  (203,000

)

  (29,000

)

Transfers to ORE

  0   0 

Net Additions/Deletions

  503,000   20,000 

Ending Balance

 $1,715,000  $715,000 
  

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

 $15,610,000  $0  $3,695,000  $189,000  $21,000 

Charge-Offs

  0   0   0   0   0 

Payments

  (3,148,000

)

  0   (2,377,000

)

  (4,000

)

  (4,000

)

Transfers to ORE

  0   0   0   0   0 

Net Additions/Deletions

  11,672,000   0   1,180,000   0   0 

Ending Balance

 $24,134,000  $0  $2,498,000  $185,000  $17,000 
  

Retail

Home Equity

and Other

  

Retail

1-4 Family

Mortgages

 

Retail Loan Portfolio:

        

Beginning Balance

 $1,444,000  $600,000 

Charge-Offs

  (18,000

)

  0 

Payments

  (62,000

)

  (14,000

)

Transfers to ORE

  0   0 

Net Additions/Deletions

  102,000   120,000 

Ending Balance

 $1,466,000  $706,000 
  

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

 $14,138,000  $0  $3,100,000  $210,000  $24,000 

Charge-Offs

  0   0   0   0   0 

Payments

  (4,814,000

)

  0   (2,425,000

)

  (25,000

)

  (7,000

)

Transfers to ORE

  0   0   (97,000

)

  0   0 

Net Additions/Deletions

  14,810,000   0   1,920,000   0   0 

Ending Balance

 $24,134,000  $0  $2,498,000  $185,000  $17,000 
  

Retail

Home Equity

and Other

  

Retail

1-4 Family

Mortgages

 

Retail Loan Portfolio:

        

Beginning Balance

 $1,402,000  $578,000 

Charge-Offs

  (18,000

)

  0 

Payments

  (90,000

)

  (24,000

)

Transfers to ORE

  0   0 

Net Additions/Deletions

  172,000   152,000 

Ending Balance

 $1,466,000  $706,000 
Allowance Related to Loans Categorized as Troubled Debt Restructurings [Table Text Block]
  

June 30,

2020

  

December 31,

2019

 
         

Commercial:

        

Commercial and industrial

 $946,000  $202,000 

Vacant land, land development, and residential construction

  0   0 

Real estate – owner occupied

  2,000   982,000 

Real estate – non-owner occupied

  3,000   0 

Real estate – multi-family and residential rental

  0   0 

Total commercial

  951,000   1,184,000 
         

Retail:

        

Home equity and other

  288,000   311,000 

1-4 family mortgages

  154,000   83,000 

Total retail

  442,000   394,000 
         

Total related allowance

 $1,393,000  $1,578,000 
Retail Portfolio Segment [Member]  
Notes Tables  
Financing Receivable Credit Quality Indicators [Table Text Block]
  

Retail

Home Equity

and Other

  

Retail

1-4 Family

Mortgages

 
         

Performing

  64,493,000   364,695,000 

Nonperforming

  250,000   2,366,000 

Total retail

 $64,743,000  $367,061,000 
  

Retail

Home Equity

and Other

  

Retail

1-4 Family

Mortgages

 
         

Performing

  75,119,000   337,856,000 

Nonperforming

  255,000   1,893,000 

Total retail

 $75,374,000  $339,749,000