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

9 Months Ended

Sep. 30, 2021

Notes Tables

Schedule Of Financing Receivable By Segment [Table Text Block]

September 30, 2021
Impairment Evaluation
		Individually				Collectively				Total Loans
Loans:
Commercial real estate:
Owner occupied		$	1,396			$	109,487			$	110,883
Non-owner occupied			6,144				304,078				310,222
Multifamily			-				30,762				30,762
Residential real estate			1,163				230,857				232,020
Commercial and industrial			665				162,387				163,052
Home equity lines of credit			252				105,198				105,450
Construction and other			-				49,378				49,378
Consumer installment			-				8,515				8,515
Total		$	9,620			$	1,000,662			$	1,010,282

December 31, 2020
Impairment Evaluation
		Individually				Collectively				Total Loans
Loans:
Commercial real estate:
Owner occupied		$	1,565			$	101,556			$	103,121
Non-owner occupied			4,123				305,301				309,424
Multifamily			-				39,562				39,562
Residential real estate			1,319				232,676				233,995
Commercial and industrial			834				231,210				232,044
Home equity lines of credit			246				112,297				112,543
Construction and other			-				63,573				63,573
Consumer installment			-				9,823				9,823
Total		$	8,087			$	1,095,998			$	1,104,085

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

September 30, 2021
Ending Allowance Balance by Impairment Evaluation:
		Individually Evaluated for Impairment				Collectively Evaluated for Impairment				Total Allocation
Loans:
Commercial real estate:
Owner occupied		$	5			$	1,547			$	1,552
Non-owner occupied			739				6,961				7,700
Multifamily			-				398				398
Residential real estate			17				1,658				1,675
Commercial and industrial			102				1,057				1,159
Home equity lines of credit			96				1,232				1,328
Construction and other			-				391				391
Consumer installment			-				31				31
Total		$	959			$	13,275			$	14,234

December 31, 2020
Ending Allowance Balance by Impairment Evaluation:
		Individually Evaluated for Impairment				Collectively Evaluated for Impairment				Total Allocation
Loans:
Commercial real estate:
Owner occupied		$	10			$	1,332			$	1,342
Non-owner occupied			371				6,446				6,817
Multifamily			-				461				461
Residential real estate			20				1,663				1,683
Commercial and industrial			48				1,305				1,353
Home equity lines of credit			41				1,364				1,405
Construction and other			-				378				378
Consumer installment			-				20				20
Total		$	490			$	12,969			$	13,459

		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 nine months ended September 30, 2020
		Allowance for Loan and Lease Losses
		Balance																Balance
		December 31, 2019				Charge-offs				Recoveries				Provision				September 30, 2020
Loans:
Commercial real estate:
Owner occupied		$	801			$	(50	)		$	15			$	337			$	1,103
Non-owner occupied			3,382				(3,022	)			73				4,972				5,405
Multifamily			340				-				-				6				346
Residential real estate			726				(51	)			30				666				1,371
Commercial and industrial			456				(185	)			268				964				1,503
Home equity lines of credit			932				(54	)			65				383				1,326
Construction and other			103				-				146				44				293
Consumer installment			28				(396	)			12				368				12
Total		$	6,768			$	(3,758	)		$	609			$	7,740			$	11,359

		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	)			-				126				7,700
Multifamily			449				-				-				(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			$	-			$	14,234

		For the three months ended September 30, 2020
		Allowance for Loan and Lease Losses
		Balance																Balance
		March 31, 2020				Charge-offs				Recoveries				Provision				September 30, 2020
Loans:
Commercial real estate:
Owner occupied		$	1,038			$	-			$	1			$	64			$	1,103
Non-owner occupied			5,159				(3,021	)			-				3,267				5,405
Multifamily			291				-				-				55				346
Residential real estate			1,167				-				-				204				1,371
Commercial and industrial			1,105				(16	)			29				385				1,503
Home equity lines of credit			1,203				-				49				74				1,326
Construction and other			236				-				111				(54	)			293
Consumer installment			11				(6	)			2				5				12
Total		$	10,210			$	(3,043	)		$	192			$	4,000			$	11,359

Impaired Financing Receivables [Table Text Block]

September 30, 2021
Impaired Loans
						Unpaid
		Recorded				Principal				Related
		Investment				Balance				Allowance
With no related allowance recorded:
Commercial real estate:
Owner occupied		$	981			$	1,027			$	-
Non-owner occupied			1,624				1,754				-
Residential real estate			870				877				-
Commercial and industrial			119				550				-
Home equity lines of credit			8				8				-
Total		$	3,602			$	4,216			$	-
With an allowance recorded:
Commercial real estate:
Owner occupied		$	415			$	415			$	5
Non-owner occupied			4,520				5,194				739
Residential real estate			293				293				17
Commercial and industrial			546				650				102
Home equity lines of credit			244				244				96
Total		$	6,018			$	6,796			$	959
Total:
Commercial real estate:
Owner occupied		$	1,396			$	1,442			$	5
Non-owner occupied			6,144				6,948				739
Residential real estate			1,163				1,170				17
Commercial and industrial			665				1,200				102
Home equity lines of credit			252				252				96
Total		$	9,620			$	11,012			$	959

December 31, 2020
Impaired Loans
						Unpaid
		Recorded				Principal				Related
		Investment				Balance				Allowance
With no related allowance recorded:
Commercial real estate:
Owner occupied		$	1,118			$	1,142			$	-
Non-owner occupied			801				801				-
Residential real estate			941				1,013				-
Commercial and industrial			561				1,056				-
Home equity lines of credit			80				92				-
Total		$	3,501			$	4,104			$	-
With an allowance recorded:
Commercial real estate:
Owner occupied		$	447			$	447			$	10
Non-owner occupied			3,322				3,596				371
Residential real estate			378				378				20
Commercial and industrial			273				276				48
Home equity lines of credit			166				166				41
Total		$	4,586			$	4,863			$	490
Total:
Commercial real estate:
Owner occupied		$	1,565			$	1,589			$	10
Non-owner occupied			4,123				4,397				371
Residential real estate			1,319				1,391				20
Commercial and industrial			834				1,332				48
Home equity lines of credit			246				258				41
Total		$	8,087			$	8,967			$	490

Schedule of Additional Information Related to Impaired Loans [Table Text Block]

		For the Three Months Ended September 30, 2021								For the Nine Months Ended September 30, 2021
		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest 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

		For the Three Months Ended September 30, 2020								For the Nine Months Ended September 30, 2020
		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
Commercial real estate:
Owner occupied		$	2,893			$	-			$	3,173			$	55
Non-owner occupied			12,912				129				9,988				387
Residential real estate			1,242				14				1,229				39
Commercial and industrial			1,376				28				1,136				49
Home equity lines of credit			298				1				323				5
Consumer installment			-				-				1				-
Total		$	18,721			$	172			$	15,850			$	535

Financing Receivable Credit Quality Indicators [Table Text Block]

						Special												Total
September 30, 2021		Pass				Mention				Substandard				Doubtful				Loans
Commercial real estate:
Owner occupied		$	104,318			$	1,577			$	4,988			$	-			$	110,883
Non-owner occupied			248,468				9,021				52,733				-				310,222
Multifamily			30,762				-				-				-				30,762
Residential real estate			228,867				156				2,997				-				232,020
Commercial and industrial			160,275				778				1,999				-				163,052
Home equity lines of credit			104,376				-				1,074				-				105,450
Construction and other			49,034				344				-				-				49,378
Consumer installment			8,515				-				-				-				8,515
Total		$	934,615			$	11,876			$	63,791			$	-			$	1,010,282

						Special												Total
December 31, 2020		Pass				Mention				Substandard				Doubtful				Loans
Commercial real estate:
Owner occupied		$	93,939			$	7,084			$	2,098			$	-			$	103,121
Non-owner occupied			258,974				983				49,467				-				309,424
Multifamily			39,562				-				-				-				39,562
Residential real estate			230,944				265				2,786				-				233,995
Commercial and industrial			227,765				1,800				2,479				-				232,044
Home equity lines of credit			111,208				-				1,335				-				112,543
Construction and other			58,082				-				5,491				-				63,573
Consumer installment			9,816				-				7				-				9,823
Total		$	1,030,290			$	10,132			$	63,663			$	-			$	1,104,085

Financing Receivable, Past Due [Table Text Block]

						30-59 Days				60-89 Days				90 Days+				Total				Total
September 30, 2021		Current				Past Due				Past Due				Past Due				Past Due				Loans
Commercial real estate:
Owner occupied		$	110,883			$	-			$	-			$	-			$	-			$	110,883
Non-owner occupied			309,849				-				-				373				373				310,222
Multifamily			30,762				-				-				-				-				30,762
Residential real estate			230,028				1,233				283				476				1,992				232,020
Commercial and industrial			162,569				299				184				-				483				163,052
Home equity lines of credit			104,742				175				458				75				708				105,450
Construction and other			49,378				-				-				-				-				49,378
Consumer installment			8,312				2				-				201				203				8,515
Total		$	1,006,523			$	1,709			$	925			$	1,125			$	3,759			$	1,010,282

						30-59 Days				60-89 Days				90 Days+				Total				Total
December 31, 2020		Current				Past Due				Past Due				Past Due				Past Due				Loans
Commercial real estate:
Owner occupied		$	102,587			$	418			$	-			$	116			$	534			$	103,121
Non-owner occupied			305,613				1,844				1,373				594				3,811				309,424
Multifamily			39,562				-				-				-				-				39,562
Residential real estate			230,996				2,364				95				540				2,999				233,995
Commercial and industrial			231,534				260				219				31				510				232,044
Home equity lines of credit			112,325				120				-				98				218				112,543
Construction and other			63,529				44				-				-				44				63,573
Consumer installment			9,424				71				108				220				399				9,823
Total		$	1,095,570			$	5,121			$	1,795			$	1,599			$	8,515			$	1,104,085

Financing Receivable, Nonaccrual [Table Text Block]

September 30, 2021		Nonaccrual				90+ Days Past Due and Accruing
Commercial real estate:
Owner occupied		$	367			$	-
Non-owner occupied			3,258				-
Multifamily			-				-
Residential real estate			2,464				-
Commercial and industrial			295				-
Home equity lines of credit			221				-
Construction and other			-				-
Consumer installment			201				-
Total		$	6,806			$	-

December 31, 2020		Nonaccrual				90+ Days Past Due and Accruing
Commercial real estate:
Owner occupied		$	458			$	-
Non-owner occupied			3,758				-
Residential real estate			2,487				-
Commercial and industrial			509				-
Home equity lines of credit			422				-
Consumer installment			224				-
Total		$	7,858			$	-

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

		For the Three Months Ended
		September 30, 2020
		Number of Contracts												Pre-Modification				Post-Modification
Troubled Debt Restructurings		Term Modification				Other				Total				Outstanding Recorded Investment				Outstanding Recorded Investment
Residential real estate			1				-				1			$	115			$	115
Commercial and industrial			1				-				1				2				2

		For the Nine Months Ended
		September 30, 2020
		Number of Contracts												Pre-Modification				Post-Modification
Troubled Debt Restructurings		Term Modification				Other				Total				Outstanding Recorded Investment				Outstanding Recorded Investment
Residential real estate			3				-				3			$	156			$	156
Commercial and industrial			3				-				3				120				119

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