XML 33 R23.htm IDEA: XBRL DOCUMENT v3.21.2
Note 3 - Loans and Allowance for Loan Losses (Tables)
6 Months Ended
Jun. 30, 2021
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
                  

Percent

 
  

June 30, 2021

  

December 31, 2020

  

Increase

 
  

Balance

  

%

  

Balance

  

%

  

(Decrease)

 
                     

Commercial:

                    

Commercial and industrial (1)

 $1,103,807,000   34.0

%

 $1,145,423,000   35.9

%

  (3.6

%)

Vacant land, land development, and residential construction

  43,111,000   1.3   55,055,000   1.7   (21.7

)

Real estate – owner occupied

  550,504,000   16.9   529,953,000   16.6   3.9 

Real estate – non-owner occupied

  950,993,000   29.3   917,436,000   28.7   3.7 

Real estate – multi-family and residential rental

  161,894,000   5.0   146,095,000   4.6   10.8 

Total commercial

  2,810,309,000   86.5   2,793,962,000   87.5   0.6 
                     

Retail:

                    

Home equity and other

  58,240,000   1.8   61,620,000   1.9   (5.5

)

1-4 family mortgages

  380,292,000   11.7   337,888,000   10.6   12.5 

Total retail

  438,532,000   13.5   399,508,000   12.5   9.8 
                     

Total loans

 $3,248,841,000   100.0

%

 $3,193,470,000   100.0

%

  1.7

%

Financing Receivable, Nonaccrual [Table Text Block]
  

June 30,

2021

  

December 31,

2020

 
         

Loans past due 90 days or more still accruing interest

 $0  $0 

Nonaccrual loans

  2,746,000   3,384,000 
         

Total nonperforming loans

 $2,746,000  $3,384,000 
  

June 30,

2021

  

December 31,

2020

 

Commercial:

        

Commercial and industrial

 $606,000  $172,000 

Vacant land, land development, and residential construction

  0   0 

Real estate – owner occupied

  0   619,000 

Real estate – non-owner occupied

  0   22,000 

Real estate – multi-family and residential rental

  0   0 

Total commercial

  606,000   813,000 
         

Retail:

        

Home equity and other

  153,000   242,000 

1-4 family mortgages

  1,987,000   2,329,000 

Total retail

  2,140,000   2,571,000 
         

Total nonperforming loans

 $2,746,000  $3,384,000 
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  $456,000  $606,000  $1,062,000  $1,102,745,000  $1,103,807,000  $0 

Vacant land, land development, and residential construction

  0   0   0   0   43,111,000   43,111,000   0 

Real estate – owner occupied

  0   431,000   0   431,000   550,073,000   550,504,000   0 

Real estate – non-owner occupied

  0   0   0   0   950,993,000   950,993,000   0 

Real estate – multi-family and residential rental

  0   0   0   0   161,894,000   161,894,000   0 

Total commercial

  0   887,000   606,000   1,493,000   2,808,816,000   2,810,309,000   0 
                             

Retail:

                            

Home equity and other

  50,000   0   35,000   85,000   58,155,000   58,240,000   0 

1-4 family mortgages

  200,000   55,000   101,000   356,000   379,936,000   380,292,000   0 

Total retail

  250,000   55,000   136,000   441,000   438,091,000   438,532,000   0 
                             

Total past due loans

 $250,000  $942,000  $742,000  $1,934,000  $3,246,907,000  $3,248,841,000  $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

 $261,000  $172,000  $0  $433,000  $1,144,990,000  $1,145,423,000  $0 

Vacant land, land development, and residential construction

  0   0   0   0   55,055,000   55,055,000   0 

Real estate – owner occupied

  0   197,000   421,000   618,000   529,335,000   529,953,000   0 

Real estate – non-owner occupied

  0   0   23,000   23,000   917,413,000   917,436,000   0 

Real estate – multi-family and residential rental

  0   0   0   0   146,095,000   146,095,000   0 

Total commercial

  261,000   369,000   444,000   1,074,000   2,792,888,000   2,793,962,000   0 
                             

Retail:

                            

Home equity and other

  112,000   65,000   54,000   231,000   61,389,000   61,620,000   0 

1-4 family mortgages

  1,147,000   247,000   342,000   1,736,000   336,152,000   337,888,000   0 

Total retail

  1,259,000   312,000   396,000   1,967,000   397,541,000   399,508,000   0 
                             

Total past due loans

 $1,520,000  $681,000  $840,000  $3,041,000  $3,190,429,000  $3,193,470,000  $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

 $2,732,000  $2,675,000      $3,129,000  $4,167,000 

Vacant land, land development and residential construction

  0   0       0   0 

Real estate – owner occupied

  12,674,000   12,674,000       13,114,000   13,607,000 

Real estate – non-owner occupied

  0   0       156,000   218,000 

Real estate – multi-family and residential rental

  0   0       0   0 

Total commercial

  15,406,000   15,349,000       16,399,000   17,992,000 

Retail:

                    

Home equity and other

  1,317,000   1,237,000       1,088,000   1,054,000 

1-4 family mortgages

  3,899,000   2,227,000       2,376,000   2,442,000 

Total retail

  5,216,000   3,464,000       3,464,000   3,496,000 
                     

Total with no related allowance recorded

 $20,622,000  $18,813,000      $19,863,000  $21,488,000 
  

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

 $2,975,000  $2,975,000  $355,000  $1,661,000  $1,222,000 

Vacant land, land development and residential construction

  0   0   0   0   0 

Real estate – owner occupied

  1,214,000   1,214,000   117,000   872,000   826,000 

Real estate – non-owner occupied

  153,000   153,000   5,000   156,000   158,000 

Real estate – multi-family and residential rental

  0   0   0   0   0 

Total commercial

  4,342,000   4,342,000   477,000   2,689,000   2,206,000 

Retail:

                    

Home equity and other

  250,000   232,000   207,000   242,000   256,000 

1-4 family mortgages

  528,000   528,000   103,000   581,000   620,000 

Total retail

  778,000   760,000   310,000   823,000   876,000 
                     

Total with an allowance recorded

 $5,120,000  $5,102,000  $787,000  $3,512,000  $3,082,000 
                     

Total impaired loans:

                    

Commercial

 $19,748,000  $19,691,000  $477,000  $19,088,000  $20,198,000 

Retail

  5,994,000   4,224,000   310,000   4,287,000   4,372,000 

Total impaired loans

 $25,742,000  $23,915,000  $787,000  $23,375,000  $24,570,000 
  

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

 $6,242,000  $6,242,000      $9,460,000  $9,016,000 

Vacant land, land development and residential construction

  0   0       326,000   246,000 

Real estate – owner occupied

  14,782,000   14,593,000       4,316,000   3,100,000 

Real estate – non-owner occupied

  341,000   341,000       12,000   67,000 

Real estate – multi-family and residential rental

  0   0       2,000   4,000 

Total commercial

  21,365,000   21,176,000       14,116,000   12,433,000 

Retail:

                    

Home equity and other

  1,072,000   987,000       1,273,000   1,252,000 

1-4 family mortgages

  4,455,000   2,575,000       2,627,000   2,407,000 

Total retail

  5,527,000   3,562,000       3,900,000   3,659,000 
                     

Total with no related allowance recorded

 $26,892,000  $24,738,000      $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

 $343,000  $343,000  $53,000  $1,751,000  $1,320,000 

Vacant land, land development and residential construction

  0   0   0   192,000   128,000 

Real estate – owner occupied

  763,000   734,000   77,000   126,000   443,000 

Real estate – non-owner occupied

  162,000   162,000   8,000   85,000   57,000 

Real estate – multi-family and residential rental

  0   0   0   0   0 

Total commercial

  1,268,000   1,239,000   138,000   2,154,000   1,948,000 

Retail:

                    

Home equity and other

  300,000   283,000   241,000   486,000   486,000 

1-4 family mortgages

  698,000   698,000   172,000   638,000   544,000 

Total retail

  998,000   981,000   413,000   1,124,000   1,030,000 
                     

Total with an allowance recorded

 $2,266,000  $2,220,000  $551,000  $3,278,000  $2,978,000 
                     

Total impaired loans:

                    

Commercial

 $22,633,000  $22,415,000  $138,000  $16,270,000  $14,381,000 

Retail

  6,525,000   4,543,000   413,000   5,024,000   4,689,000 

Total impaired loans

 $29,158,000  $26,958,000  $551,000  $21,294,000  $19,070,000 
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)

 $767,987,000  $23,647,000  $311,512,000  $417,311,000  $109,220,000 

Grades 5 – 7

  330,408,000   19,358,000   211,916,000   533,682,000   52,412,000 

Grades 8 – 9

  5,412,000   106,000   27,076,000   0   262,000 

Total commercial

 $1,103,807,000  $43,111,000  $550,504,000  $950,993,000  $161,894,000 
  

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 (1)

 $828,706,000  $22,547,000  $315,134,000  $396,700,000  $91,711,000 

Grades 5 – 7

  306,614,000   32,398,000   185,541,000   520,395,000   54,111,000 

Grades 8 – 9

  10,103,000   110,000   29,278,000   341,000   273,000 

Total commercial

 $1,145,423,000  $55,055,000  $529,953,000  $917,436,000  $146,095,000 
Financing Receivable, Allowance for Credit Loss [Table Text Block]
  

Commercial

Loans

  

Retail

Loans

  

Unallocated

  

Total

 
                 

Allowance for loan losses:

                

Balance at March 31, 2021

 $34,711,000  $3,794,000  $190,000  $38,695,000 

Provision for loan losses

  (2,712,000

)

  (383,000

)

  (5,000

)

  (3,100,000

)

Charge-offs

  (66,000

)

  (2,000

)

  0   (68,000

)

Recoveries

  159,000   227,000   0   386,000 

Ending balance

 $32,092,000  $3,636,000  $185,000  $35,913,000 
                 
                 

Allowance for loan losses:

                

Balance at December 31, 2020

 $33,779,000  $4,129,000  $59,000  $37,967,000 

Provision for loan losses

  (2,130,000

)

  (796,000

)

  126,000   (2,800,000

)

Charge-offs

  (81,000

)

  (40,000

)

  0   (121,000

)

Recoveries

  524,000   343,000   0   867,000 

Ending balance

 $32,092,000  $3,636,000  $185,000  $35,913,000 
                 

Ending balance: individually evaluated for impairment

 $477,000  $310,000  $0  $787,000 
                 

Ending balance: collectively evaluated for impairment

 $31,615,000  $3,326,000  $185,000  $35,126,000 
                 
                 

Total loans (*):

                

Ending balance

 $2,564,526,000  $438,532,000      $3,003,058,000 
                 

Ending balance: individually evaluated for impairment

 $19,691,000  $4,224,000      $23,915,000 
                 

Ending balance: collectively evaluated for impairment

 $2,544,835,000  $434,308,000      $2,979,143,000 
  

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

 $2,428,703,000  $399,508,000      $2,828,211,000 
                 

Ending balance: individually evaluated for impairment

 $22,415,000  $4,543,000      $26,958,000 
                 

Ending balance: collectively evaluated for impairment

 $2,406,288,000  $394,965,000      $2,801,253,000 
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

  8  $2,831,000  $2,831,000 

Vacant land, land development and residential construction

  0   0   0 

Real estate – owner occupied

  1   692,000   692,000 

Real estate – non-owner occupied

  0   0   0 

Real estate – multi-family and residential rental

  0   0   0 

Total commercial

  9   3,523,000   3,523,000 
             

Retail:

            

Home equity and other

  3   414,000   412,000 

1-4 family mortgages

  1   10,000   10,000 

Total retail

  4   424,000   422,000 
             

Total loans

  13  $3,947,000  $3,945,000 
  

Number of

Contracts

  

Pre-

Modification

Recorded

Principal

Balance

  

Post-

Modification

Recorded

Principal

Balance

 
             

Commercial:

            

Commercial and industrial

  9  $2,854,000  $2,853,000 

Vacant land, land development and residential construction

  0   0   0 

Real estate – owner occupied

  1   692,000   692,000 

Real estate – non-owner occupied

  0   0   0 

Real estate – multi-family and residential rental

  0   0   0 

Total commercial

  10   3,546,000   3,545,000 
             

Retail:

            

Home equity and other

  4   485,000   482,000 

1-4 family mortgages

  2   46,000   46,000 

Total retail

  6   531,000   528,000 
             

Total loans

  16  $4,077,000  $4,073,000 
  

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 
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

  1   431,000 

Real estate – non-owner occupied

  0   0 

Real estate – multi-family and residential rental

  0   0 

Total commercial

  1   431,000 
         

Retail:

        

Home equity and other

  0   0 

1-4 family mortgages

  0   0 

Total retail

  0   0 
         

Total

  1  $431,000 
  

Number of

Contracts

  

Recorded

Principal

Balance

 

Commercial:

        

Commercial and industrial

  2  $522,000 

Vacant land, land development and residential construction

  0   0 

Real estate – owner occupied

  1   431,000 

Real estate – non-owner occupied

  0   0 

Real estate – multi-family and residential rental

  0   0 

Total commercial

  3   953,000 
         

Retail:

        

Home equity and other

  0   0 

1-4 family mortgages

  0   0 

Total retail

  0   0 
         

Total

  3  $953,000 
  

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

  1   32,000 

Total retail

  1   32,000 
         

Total

  1  $32,000 
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

 $3,760,000  $0  $13,887,000  $471,000  $0 

Charge-Offs

  0   0   0   0   0 

Payments

  (845,000

)

  0   (685,000

)

  (318,000

)

  0 

Transfers to ORE

  0   0   0   0   0 

Net Additions/Deletions

  2,648,000   0   686,000   0   0 

Ending Balance

 $5,563,000  $0  $13,888,000  $153,000  $0 
  

Retail

Home Equity

and Other

  

Retail

1-4 Family

Mortgages

 

Retail Loan Portfolio:

        

Beginning Balance

 $1,099,000  $820,000 

Charge-Offs

  0   0 

Payments

  (115,000

)

  (131,000

)

Transfers to ORE

  0   0 

Net Additions/Deletions

  412,000   10,000 

Ending Balance

 $1,396,000  $699,000 
  

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

 $6,414,000  $0  $14,797,000  $480,000  $0 

Charge-Offs

  0   0   0   0   0 

Payments

  (3,521,000

)

  0   (1,595,000

)

  (327,000

)

  0 

Transfers to ORE

  0   0   0   0   0 

Net Additions/Deletions

  2,670,000   0   686,000   0   0 

Ending Balance

 $5,563,000  $0  $13,888,000  $153,000  $0 
  

Retail

Home Equity

and Other

  

Retail

1-4 Family

Mortgages

 

Retail Loan Portfolio:

        

Beginning Balance

 $1,146,000  $806,000 

Charge-Offs

  0   0 

Payments

  (232,000

)

  (153,000

)

Transfers to ORE

  0   0 

Net Additions/Deletions

  482,000   46,000 

Ending Balance

 $1,396,000  $699,000 
  

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

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

June 30,

2021

  

December 31,

2020

 
         

Commercial:

        

Commercial and industrial

 $355,000  $53,000 

Vacant land, land development, and residential construction

  0   0 

Real estate – owner occupied

  117,000   59,000 

Real estate – non-owner occupied

  5,000   8,000 

Real estate – multi-family and residential rental

  0   0 

Total commercial

  477,000   120,000 
         

Retail:

        

Home equity and other

  175,000   202,000 

1-4 family mortgages

  103,000   145,000 

Total retail

  278,000   347,000 
         

Total related allowance

 $755,000  $467,000 
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

 $58,087,000  $378,305,000 

Nonperforming

  153,000   1,987,000 

Total retail

 $58,240,000  $380,292,000 
  

Retail

Home Equity

and Other

  

Retail

1-4 Family

Mortgages

 
         

Performing

 $61,378,000  $335,559,000 

Nonperforming

  242,000   2,329,000 

Total retail

 $61,620,000  $337,888,000