XML 38 R24.htm IDEA: XBRL DOCUMENT v3.22.1

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

3 Months Ended

Mar. 31, 2022

Notes Tables

Schedule Of Financing Receivable By Segment [Table Text Block]

March 31, 2022
Impairment Evaluation
		Individually				Collectively				Total Loans
Loans:
Commercial real estate:
Owner occupied		$	716			$	112,874			$	113,590
Non-owner occupied			5,213				288,532				293,745
Multifamily			-				29,385				29,385
Residential real estate			996				243,751				244,747
Commercial and industrial			630				131,053				131,683
Home equity lines of credit			249				106,051				106,300
Construction and other			-				50,152				50,152
Consumer installment			-				8,118				8,118
Total		$	7,804			$	969,916			$	977,720

December 31, 2021
Impairment Evaluation
		Individually				Collectively				Total Loans
Loans:
Commercial real estate:
Owner occupied		$	731			$	110,739			$	111,470
Non-owner occupied			5,297				278,321				283,618
Multifamily			-				31,189				31,189
Residential real estate			1,104				238,985				240,089
Commercial and industrial			587				148,225				148,812
Home equity lines of credit			250				104,105				104,355
Construction and other			-				54,148				54,148
Consumer installment			-				8,010				8,010
Total		$	7,969			$	973,722			$	981,691

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

March 31, 2022
Ending Allowance Balance by Impairment Evaluation:
		Individually Evaluated for Impairment				Collectively Evaluated for Impairment				Total Allocation
Loans:
Commercial real estate:
Owner occupied		$	10			$	1,755			$	1,765
Non-owner occupied			623				7,049				7,672
Multifamily			-				419				419
Residential real estate			14				1,787				1,801
Commercial and industrial			56				848				904
Home equity lines of credit			14				1,341				1,355
Construction and other			-				558				558
Consumer installment			-				18				18
Total		$	717			$	13,775			$	14,492

December 31, 2021
Ending Allowance Balance by Impairment Evaluation:
		Individually Evaluated for Impairment				Collectively Evaluated for Impairment				Total Allocation
Loans:
Commercial real estate:
Owner occupied		$	10			$	1,826			$	1,836
Non-owner occupied			655				6,776				7,431
Multifamily			-				454				454
Residential real estate			17				1,723				1,740
Commercial and industrial			42				840				882
Home equity lines of credit			16				1,436				1,452
Construction and other			-				533				533
Consumer installment			-				14				14
Total		$	740			$	13,602			$	14,342

		For the three months ended March 31, 2022
		Allowance for Loan and Lease Losses
		Balance																Balance
		December 31, 2021				Charge-offs				Recoveries				Provision				March 31, 2022
Loans:
Commercial real estate:
Owner occupied		$	1,836			$	-			$	1			$	(72	)		$	1,765
Non-owner occupied			7,431				-				-				241				7,672
Multifamily			454				-				-				(35	)			419
Residential real estate			1,740				-				27				34				1,801
Commercial and industrial			882				(30	)			149				(97	)			904
Home equity lines of credit			1,452				(25	)			-				(72	)			1,355
Construction and other			533				-				-				25				558
Consumer installment			14				(6	)			34				(24	)			18
Total		$	14,342			$	(61	)		$	211			$	-			$	14,492

		For the three months ended March 31, 2021
		Allowance for Loan and Lease Losses
		Balance																Balance
		December 31, 2019				Charge-offs				Recoveries				Provision				March 31, 2021
Loans:
Commercial real estate:
Owner occupied		$	1,342			$	-			$	1			$	84			$	1,427
Non-owner occupied			6,817				-				-				431				7,248
Multifamily			461				-				-				27				488
Residential real estate			1,683				(27	)			2				89				1,747
Commercial and industrial			1,353				-				19				68				1,440
Home equity lines of credit			1,405				-				8				(83	)			1,330
Construction and other			378				-				6				40				424
Consumer installment			20				(74	)			28				44				18
Total		$	13,459			$	(101	)		$	64			$	700			$	14,122

Impaired Financing Receivables [Table Text Block]

March 31, 2022
Impaired Loans
						Unpaid
		Recorded				Principal				Related
		Investment				Balance				Allowance
With no related allowance recorded:
Commercial real estate:
Non-owner occupied		$	1,374			$	1,546			$	-
Residential real estate			713				771				-
Commercial and industrial			421				508				-
Home equity lines of credit			42				42				-
Total		$	2,550			$	2,867			$	-
With an allowance recorded:
Commercial real estate:
Owner occupied		$	716			$	716			$	10
Non-owner occupied			3,839				4,377				623
Residential real estate			283				283				14
Commercial and industrial			209				224				56
Home equity lines of credit			207				207				14
Total		$	5,254			$	5,807			$	717
Total:
Commercial real estate:
Owner occupied		$	716			$	716			$	10
Non-owner occupied			5,213				5,923				623
Residential real estate			996				1,054				14
Commercial and industrial			630				732				56
Home equity lines of credit			249				249				14
Total		$	7,804			$	8,674			$	717

December 31, 2021
Impaired Loans
						Unpaid
		Recorded				Principal				Related
		Investment				Balance				Allowance
With no related allowance recorded:
Commercial real estate:
Non-owner occupied		$	1,547			$	1,802			$	-
Residential real estate			820				874				-
Commercial and industrial			370				538				-
Home equity lines of credit			7				7				-
Total		$	2,744			$	3,221			$	-
With an allowance recorded:
Commercial real estate:
Owner occupied		$	731			$	731			$	10
Non-owner occupied			3,750				4,277				655
Residential real estate			284				284				17
Commercial and industrial			217				230				42
Home equity lines of credit			243				243				16
Total		$	5,225			$	5,765			$	740
Total:
Commercial real estate:
Owner occupied		$	731			$	731			$	10
Non-owner occupied			5,297				6,079				655
Residential real estate			1,104				1,158				17
Commercial and industrial			587				768				42
Home equity lines of credit			250				250				16
Total		$	7,969			$	8,986			$	740

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

		For the Three Months Ended March 31, 2022								For the Three Months Ended March 31, 2021
		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
Commercial real estate:
Owner occupied		$	724			$	11			$	1,542			$	16
Non-owner occupied			5,255				58				4,490				44
Residential real estate			1,050				12				1,278				11
Commercial and industrial			609				14				920				7
Home equity lines of credit			250				3				243				2
Total		$	7,888			$	98			$	8,473			$	80

Financing Receivable Credit Quality Indicators [Table Text Block]

						Special												Total
March 31, 2022		Pass				Mention				Substandard				Doubtful				Loans
Commercial real estate:
Owner occupied		$	106,422			$	2,373			$	4,795			$	-			$	113,590
Non-owner occupied			241,133				2,978				49,634				-				293,745
Multifamily			29,385				-				-				-				29,385
Residential real estate			242,397				-				2,350				-				244,747
Commercial and industrial			124,823				3,556				3,304				-				131,683
Home equity lines of credit			105,182				-				1,118				-				106,300
Construction and other			39,823				339				9,990				-				50,152
Consumer installment			8,114				-				4				-				8,118
Total		$	897,279			$	9,246			$	71,195			$	-			$	977,720

						Special												Total
December 31, 2021		Pass				Mention				Substandard				Doubtful				Loans
Commercial real estate:
Owner occupied		$	104,217			$	2,400			$	4,853			$	-			$	111,470
Non-owner occupied			230,672				3,038				49,908				-				283,618
Multifamily			31,189				-				-				-				31,189
Residential real estate			237,132				-				2,957				-				240,089
Commercial and industrial			143,911				2,748				2,153				-				148,812
Home equity lines of credit			103,296				-				1,059				-				104,355
Construction and other			53,807				341				-				-				54,148
Consumer installment			8,005				-				5				-				8,010
Total		$	912,229			$	8,527			$	60,935			$	-			$	981,691

Financing Receivable, Past Due [Table Text Block]

						30-59 Days				60-89 Days				90 Days+				Total				Total
March 31, 2022		Current				Past Due				Past Due				Past Due				Past Due				Loans
Commercial real estate:
Owner occupied		$	113,458			$	-			$	132			$	-			$	132			$	113,590
Non-owner occupied			293,276				96				-				373				469				293,745
Multifamily			29,385				-				-				-				-				29,385
Residential real estate			243,784				636				3				324				963				244,747
Commercial and industrial			131,002				568				33				80				681				131,683
Home equity lines of credit			106,082				150				-				68				218				106,300
Construction and other			50,152				-				-				-				-				50,152
Consumer installment			8,081				33				4				-				37				8,118
Total		$	975,220			$	1,483			$	172			$	845			$	2,500			$	977,720

						30-59 Days				60-89 Days				90 Days+				Total				Total
December 31, 2021		Current				Past Due				Past Due				Past Due				Past Due				Loans
Commercial real estate:
Owner occupied		$	111,257			$	81			$	132			$	-			$	213			$	111,470
Non-owner occupied			282,365				880				-				373				1,253				283,618
Multifamily			31,189				-				-				-				-				31,189
Residential real estate			238,483				1,187				-				419				1,606				240,089
Commercial and industrial			148,437				112				-				263				375				148,812
Home equity lines of credit			104,316				-				39				-				39				104,355
Construction and other			54,148				-				-				-				-				54,148
Consumer installment			7,799				16				19				176				211				8,010
Total		$	977,994			$	2,276			$	190			$	1,231			$	3,697			$	981,691

Financing Receivable, Nonaccrual [Table Text Block]

March 31, 2022		Nonaccrual				90+ Days Past Due and Accruing
Commercial real estate:
Owner occupied		$	78			$	-
Non-owner occupied			2,388				-
Residential real estate			1,539				-
Commercial and industrial			313				-
Home equity lines of credit			220				-
Consumer installment			190				-
Total		$	4,728			$	-

December 31, 2021		Nonaccrual				90+ Days Past Due and Accruing
Commercial real estate:
Owner occupied		$	81			$	-
Non-owner occupied			2,442				-
Residential real estate			1,577				-
Commercial and industrial			456				-
Home equity lines of credit			121				-
Consumer installment			182				-
Total		$	4,859			$	-

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

For the Three Months Ended

March 31, 2022

Number of Contracts

Pre-Modification

Post-Modification

Troubled Debt Restructurings

Term Modification

Other

Total

Outstanding Recorded Investment

Outstanding Recorded Investment

Commercial and industrial

1

-

1

$

25

$

25

For the Three Months Ended

March 31, 2021

Number of Contracts

Pre-Modification

Post-Modification

Troubled Debt Restructurings

Term Modification

Other

Total

Outstanding Recorded Investment

Outstanding Recorded Investment

Commercial and industrial

1

-

1

$

20

$

20

X

- Definition

Schedule of additional information related to impaired loans.

+ References

No definition available.

+ Details

Name:	mbcn_ScheduleOfAdditionalInformationRelatedToImpairedLoansTableTextBlock
Namespace Prefix:	mbcn_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

The tabular disclosure for financing receivables, by segment.

+ References

No definition available.

+ Details

Name:	mbcn_ScheduleOfFinancingReceivableBySegmentTableTextBlock
Namespace Prefix:	mbcn_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 5
-URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919230-210447

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953659-111524

+ Details

Name:	us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of impaired financing receivables.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-URI https://asc.fasb.org/extlink&oid=123577603&loc=d3e5212-111524

+ Details

Name:	us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 14
-URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919253-210447

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7A
-URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953401-111524

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 55
-Paragraph 80
-URI https://asc.fasb.org/extlink&oid=124267575&loc=SL82922355-210448

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI https://asc.fasb.org/extlink&oid=123577603&loc=d3e5111-111524

+ Details

Name:	us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of allowance for credit loss of financing receivable, classified as current.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-Subparagraph (c)
-URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 13
-URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919249-210447

+ Details

Name:	us-gaap_ScheduleOfCreditLossesForFinancingReceivablesCurrentTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivable on nonaccrual status.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI https://asc.fasb.org/extlink&oid=123577603&loc=d3e5111-111524

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 16
-URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919258-210447

+ Details

Name:	us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- References

No definition available.

+ Details

Name:	us-gaap_TableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivable modified as troubled debt restructuring.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 33
-URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953676-111524

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 34
-URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953682-111524

+ Details

Name:	us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration