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Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)

6 Months Ended

Jun. 30, 2019

Notes Tables

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

		A ctivity in the Allowance for Loan Losses for the Six Months Ended June 30 , 201 9
		Real Estate Construction				Consumer Real Estate				Commercial Real Estate				Commercial Non Real Estate				Public Sector and IDA				Consumer Non Real Estate				Unallocated				Total
Balance, December 31, 2018		$	398			$	2,049			$	2,798			$	602			$	583			$	750			$	210			$	7,390
Charge-offs			---				(107	)			(150	)			---				---				(251	)			---				(508	)
Recoveries			---				---				24				---				---				143				---				167
Provision for (recovery of) loan losses			118				124				288				(123	)			(54	)			29				(127	)			255
Balance, June 30 , 201 9		$	516			$	2,066			$	2,960			$	479			$	529			$	671			$	83			$	7,304

		A ctivity in the Allowance for Loan Losses for the Six Months Ended June 3 0 , 201 8
		Real Estate Construction				Consumer Real Estate				Commercial Real Estate				Commercial Non Real Estate				Public Sector and IDA				Consumer Non Real Estate				Unallocated				Total
Balance, December 31, 2017		$	337			$	2,027			$	3,044			$	1,072			$	419			$	707			$	319			$	7,925
Charge-offs			---				---				---				(107	)			---				(233	)			---				(340	)
Recoveries			---				2				25				10				---				87				---				124
Provision for (recovery of) loan losses			36				(29	)			(78	)			(215	)			154				199				(197	)			(130	)
Balance, June 3 0 , 201 8		$	373			$	2,000			$	2,991			$	760			$	573			$	760			$	122			$	7,579

		A ctivity in the Allowance for Loan Losses for the Year Ended December 31, 201 8
		Real Estate Construction				Consumer Real Estate				Commercial Real Estate				Commercial Non Real Estate				Public Sector and IDA				Consumer Non Real Estate				Unallocated				Total
Balance, December 31, 2017		$	337			$	2,027			$	3,044			$	1,072			$	419			$	707			$	319			$	7,925
Charge-offs			---				(38	)			---				(107	)			---				(544	)			---				(689	)
Recoveries			---				3				49				22				---				161				---				235
Provision for (recovery of) loan losses			61				57				(295	)			(385	)			164				426				(109	)			(81	)
Balance, December 31 , 201 8		$	398			$	2,049			$	2,798			$	602			$	583			$	750			$	210			$	7,390

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

		Allowance for Loan Losses as of June 30 , 201 9
		Real Estate Construction				Consumer Real Estate				Commercial Real Estate				Commercial Non Real Estate				Public Sector and IDA				Consumer Non Real Estate				Unallocated				Total
Individually evaluated for impairment		$	---			$	3			$	2			$	124			$	---			$	---			$	---			$	129
Collectively evaluated for impairment			516				2,063				2,958				355				529				671				83				7,175
Total		$	516			$	2,066			$	2,960			$	479			$	529			$	671			$	83			$	7,304

		Allowance for Loan Losses as of December 31, 201 8
		Real Estate Construction				Consumer Real Estate				Commercial Real Estate				Commercial Non Real Estate				Public Sector and IDA				Consumer Non Real Estate				Unallocated				Total
Individually evaluated for impairment		$	---			$	4			$	---			$	135			$	---			$	---			$	---			$	139
Collectively evaluated for impairment			398				2,045				2,798				467				583				750				210				7,251
Total		$	398			$	2,049			$	2,798			$	602			$	583			$	750			$	210			$	7,390

		Loans as of June 30 , 201 9
		Real Estate Construction				Consumer Real Estate				Commercial Real Estate				Commercial Non Real Estate				Public Sector and IDA				Consumer Non Real Estate				Unallocated				Total
Individually evaluated for impairment		$	---			$	1,573			$	4,107			$	964			$	---			$	7			$	---			$	6,651
Collectively evaluated for impairment			44,531				176,867				364,003				43,529				60,854				33,659				---				723,443
Total		$	44,531			$	178,440			$	368,110			$	44,493			$	60,854			$	33,666			$	---			$	730,094

		Loans as of December 31, 201 8
		Real Estate Construction				Consumer Real Estate				Commercial Real Estate				Commercial Non Real Estate				Public Sector and IDA				Consumer Non Real Estate				Unallocated				Total
Individually evaluated for impairment		$	---			$	1,452			$	4,340			$	1,015			$	---			$	13			$	---			$	6,820
Collectively evaluated for impairment			37,845				174,004				349,206				45,520				60,777				36,225				---				703,577
Total		$	37,845			$	175,456			$	353,546			$	46,535			$	60,777			$	36,238			$	---			$	710,397

Schedule of Ratios for Allowance for Loan Losses [Table Text Block]

		As of and for the
		Six Months Ended June 30,								Year E nded December 31,
		2019				2018				2018
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs			1.00	%			1.10	%			1.04	%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs (1)			0.10	%			0.06	%			0.07	%

Schedule of Nonperforming Assets [Table Text Block]

		June 30,								December 31,
		2019				2018				2018
Nonperforming assets:
Nonaccrual loans		$	856			$	---			$	311
Restructured loans in nonaccrual			3,406				2,687				3,109
Total nonperforming loans			4,262				2,687				3,420
Other real estate owned, net			2,025				2,582				2,052
Total nonperforming assets		$	6,287			$	5,269			$	5,472
Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned			0.86	%			0.76	%			0.77	%
Ratio of allowance for loan losses to nonperforming loans (1)			171.37	%			282.06	%			216.08	%

Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block]

		June 30,								December 31,
		2019				2018				2018
Loans past due 90 days or more and still accruing		$	50			$	61			$	35
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs			0.01	%			0.01	%			0.00	%
Accruing restructured loans		$	1,954			$	8,337			$	2,552
Impaired loans:
Impaired loans with no valuation allowance		$	5,167			$	10,607			$	5,667
Impaired loans with a valuation allowance			1,484				1,435				1,153
Total impaired loans		$	6,651			$	12,042			$	6,820
Valuation allowance			(129	)			(162	)			(139	)
Impaired loans, net of allowance		$	6,522			$	11,880			$	6,681
Average recorded investment in impaired loans (1)		$	6,703			$	12,326			$	9,788
Interest income recognized on impaired loans, after designation as impaired		$	52			$	239			$	250
Amount of income recognized on a cash basis		$	---			$	---			$	---

Impaired Financing Receivables [Table Text Block]

		Impaired Loans as of June 30, 2019
		Principal Balance				Total Recorded Investment (1)				Recorded Investment (1 ) for Which There is No Related Allowance				Recorded Investment (1) for Which There is a Related Allowance				Related Allowance
Co nsumer Real Estate (2)
Residential closed-end first liens		$	889			$	870			$	870			$	---			$	---
Residential closed-end junior liens			132				132				---				132				3
Investor-owned residential real estate			580				571				571				---				---
Commercial Real Estate (2)
Multifamily			471				461				461				---				---
Commercial real estate, owner-occupied			1,196				1,179				790				389				2
Commercial real estate, other			2,867				2,467				2,467				---				---
Commercial Non Real Estate (2)
Commercial and industrial			968				964				1				963				124
Consumer Non Real Estate (2)
Automobile			7				7				7				---				---
Total		$	7,110			$	6,651			$	5,167			$	1,484			$	129

		Impaired Loans as of December 31, 2018
		Principal Balance				Total Recorded Investment (1)				Recorded Investment (1) for Which There is No Related Allowance				Recorded Investment (1) for Which There is a Related Allowance				Related Allowance
Co nsumer Real Estate (2)
Residential closed-end first liens		$	728			$	719			$	719			$	---			$	---
Residential closed-end junior liens			144				143				---				143				4
Investor-owned residential real estate			593				590				590				---				---
Commercial Real Estate (2)
Multifamily real estate			485				483				483				---				---
Commercial real estate, owner occupied			1,363				1,363				1,363				---				---
Commercial real estate, other			2,867				2,494				2,494				---				---
Commercial Non Real Estate (2)
Commercial and industrial			1,018				1,015				5				1,010				135
Consumer Non Real Estate (2)
Automobile			13				13				13				---				---
Total		$	7,211			$	6,820			$	5,667			$	1,153			$	139

Impaired Financing Receivable Average Investment And Interest Income [Table Text Block]

		For the Six Months Ended June 30, 2019
		Average Recorded Investment (1)				Interest Income Recognized
Co nsumer Real Estate (2)
Residential closed-end first liens		$	939			$	7
Residential closed-end junior liens			198				12
Investor-owned residential real estate			447				1
Commercial Real Estate (2)
Multifamily real estate			466				5
Commercial real estate, owner occupied			1,187				15
Commercial real estate, other			2,467				---
Commercial Non Real Estate (2)
Commercial and industrial			990				12
Consumer Non Real Estate (2)
Automobile			9				---
Total		$	6,703			$	52

		For the Six Months Ended June 30, 2018
		Average Recorded Investment (1)				Interest Income Recognized
Real Estate Construction (2)
Construction 1-4 family residential		$	2,788			$	74
Consumer Real Estate (2)
Residential closed-end first liens			667				15
Residential closed-end junior liens			167				5
Investor-owned residential real estate			317				8
Commercial Real Estate (2)
Multifamily real estate			301				8
Commercial real estate, owner occupied			4,007				98
Commercial real estate, other			2,852				11
Commercial Non Real Estate (2)
Commercial and industrial			1,201				19
Consumer Non Real Estate
Automobile			26				1
Total		$	12,326			$	239

		For the Year Ended December 31, 2018
		Average Recorded Investment (1)				Interest Income Recognized
Consumer Real Estate (2)
Residential closed-end first liens		$	1,202			$	41
Residential closed-end junior liens			159				9
Investor-owned residential real estate			808				23
Commercial Real Estate (2)
Multifamily real estate			491				20
Commercial real estate, owner occupied			3,038				75
Commercial real estate, other			2,744				54
Commercial Non Real Estate (2)
Commercial and industrial			1,326				27
Co nsumer Non Real Estate (2)
Automobile			20				1
Total		$	9,788			$	250

Financing Receivable, Past Due [Table Text Block]

June 30, 2019
		30 – 89 Days Past Due and Accruing				90 or M ore Days Past Due				90 or More Days Past Due and Accruing				Nonaccruals (2)
Consumer Real Estate (1)
Equity Lines		$	19			$	---			$	---			$	---
Residential closed-end first liens			783				587				19				812
Residential closed-end junior liens			217				---				---				---
Investor-owned residential real estate			198				264				---				264
Commercial Real Estate (1)
Multifamily real estate			236				---				---				176
Commercial real estate, owner-occupied			247				293				---				543
Commercial real estate, other			---				---				---				2,467
Commercial Non Real Estate (1)
Commercial and industrial			48				7				7				---
Consumer Non Real Estate (1)
Credit cards			32				7				7				---
Automobile			298				9				9				---
Other consumer loans			59				8				8				---
Total		$	2,137			$	1,175			$	50			$	4,262

December 31, 2018
		30 – 89 Days Past Due and Accruing				90 or M ore Days Past Due				90 or More Days Past Due and Accruing				Nonaccruals (2)
Consumer Real Estate (1)
Residential closed-end first liens		$	647			$	119			$	---			$	278
Residential closed-end junior liens			11				---				---				---
Investor-owned residential real estate			---				---				---				451
Commercial Real Estate (1)
Multifamily real estate			291				192				---				192
Commercial real estate, owner occupied			325				---				---				---
Commercial real estate, other			---				---				---				2,494
Commercial Non Real Estate (1)
Commercial and industrial			10				2				2				5
Consumer Non Real Estate (1)
Credit cards			5				---				---				---
Automobile			296				29				29				---
Other consumer loans			50				4				4				---
Total		$	1,635			$	346			$	35			$	3,420

Financing Receivable Credit Quality Indicators [Table Text Block]

		Pass (1)				Special Mention (1)				Classified (1)
Real Estate Construction
Construction, 1-4 family residential		$	8,313			$	---			$	---
Construction, other			36,199				19				---
Consumer Real Estate
Equity lines			15,886				19				97
Closed-end first liens			93,309				403				527
Closed-end junior liens			4,190				---				---
Investor-owned residential real estate			62,301				112				23
Commercial Real Estate
Multifamily residential real estate			97,262				---				141
Commercial real estate owner-occupied			133,864				---				31
Commercial real estate, other			132,705				---				---
Commercial Non Real Estate
Commercial and industrial			43,361				168				---
Public Sector and IDA
States and political subdivisions			60,854				---				---
Consumer Non Real Estate
Credit cards			5,590				---				---
Automobile			15,923				41				51
Other consumer			12,035				8				11
Total		$	721,792			$	770			$	881

		Pass (1)				Special Mention (1)				Classified (1)
Real Estate Construction
Construction, 1-4 family residential		$	9,264			$	---			$	---
Construction, other			28,560				21				---
Consumer Real Estate
Equity lines			16,026				38				---
Closed-end first liens			92,253				994				582
Closed-end junior liens			3,954				---				---
Investor-owned residential real estate			60,157				---				---
Commercial Real Estate
Multifamily residential real estate			98,582				---				---
Commercial real estate owner-occupied			123,225				211				32
Commercial real estate, other			127,156				---				---
Commercial Non Real Estate
Commercial and industrial			45,420				54				46
Public Sector and IDA
States and political subdivisions			60,777				---				---
Consumer Non Real Estate
Credit cards			5,724				---				---
Automobile			18,598				133				71
Other consumer			11,691				4				4
Total		$	701,387			$	1,455			$	735

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

		Restructurings That Occurred During the Three Months Ended June 30, 2018
		Number of Contracts				Pre-Modification Outstanding Principal Balance				Post-Modification Outstanding Principal Balance
Commercial Real Estate
Commercial real estate owner-occupied			2			$	714			$	714
Total			2			$	714			$	714

		Restructurings That Occurred During the Six Months Ended June 30, 2018
		Number of Contracts				Pre-Modification Outstanding Principal Balance				Post-Modification Outstanding Principal Balance
Real Estate Construction
Construction, other			2			$	2,882			$	2,882
Commercial Real Estate
Commercial real estate owner-occupied			2				714				714
Total			4			$	3,596			$	3,596

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