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Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) | 3 Months Ended
--- | ---
Mar. 31, 2020
Notes Tables |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | Activity in the Allowance for Loan Losses for the Three Months Ended March 31 , 20 20
|  | 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, 2019 |  | $ | 400 |  |  | $ | 1,895 |  |  | $ | 2,559 |  |  | $ | 555 |  |  | $ | 478 |  |  | $ | 650 |  |  | $ | 326 |  |  | $ | 6,863 |
Charge-offs |  |  | --- |  |  |  | (44 | ) |  |  | --- |  |  |  | (65 | ) |  |  | --- |  |  |  | (66 | ) |  |  | --- |  |  |  | (175 | )
Recoveries |  |  | --- |  |  |  | --- |  |  |  | 12 |  |  |  | 1 |  |  |  | --- |  |  |  | 60 |  |  |  | --- |  |  |  | 73 |
Provision for (recovery of) loan losses |  |  | (25 | ) |  |  | 219 |  |  |  | 29 |  |  |  | 230 |  |  |  | 33 |  |  |  | (25 | ) |  |  | 18 |  |  |  | 479 |
Balance, March 3 1 , 20 20 |  | $ | 375 |  |  | $ | 2,070 |  |  | $ | 2,600 |  |  | $ | 721 |  |  | $ | 511 |  |  | $ | 619 |  |  | $ | 344 |  |  | $ | 7,240 |
|  | A ctivity in the Allowance for Loan Losses for the Three Months Ended March 31 , 201 9
|  | Real Estate Construction |  | Consumer Real Estate |  | Commercial Real Estate |  | Commercial No n- 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 |  |  | --- |  |  |  | (16 | ) |  |  | (150 | ) |  |  | --- |  |  |  | --- |  |  |  | (162 | ) |  |  | --- |  |  |  | (328 | )
Recoveries |  |  | --- |  |  |  | --- |  |  |  | 12 |  |  |  | --- |  |  |  | --- |  |  |  | 86 |  |  |  | --- |  |  |  | 98 |
Provision for (recovery of) loan losses |  |  | 70 |  |  |  | 58 |  |  |  | 327 |  |  |  | (27 | ) |  |  | (58 | ) |  |  | --- |  |  |  | (170 | ) |  |  | 200 |
Balance, March 31 , 201 9 |  | $ | 468 |  |  | $ | 2,091 |  |  | $ | 2,987 |  |  | $ | 575 |  |  | $ | 525 |  |  | $ | 674 |  |  | $ | 40 |  |  | $ | 7,360 |
|  | A ctivity in the Allowance for Loan Losses for the Year Ended December 31, 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 |  |  | --- |  |  |  | (192 | ) |  |  | (150 | ) |  |  | (47 | ) |  |  | --- |  |  |  | (531 | ) |  |  | --- |  |  |  | (920 | )
Recoveries |  |  | --- |  |  |  | --- |  |  |  | 49 |  |  |  | 1 |  |  |  | --- |  |  |  | 217 |  |  |  | --- |  |  |  | 267 |
Provision for (recovery of) loan losses |  |  | 2 |  |  |  | 38 |  |  |  | (138 | ) |  |  | (1 | ) |  |  | (105 | ) |  |  | 214 |  |  |  | 116 |  |  |  | 126 |
Balance, December 31 , 201 9 |  | $ | 400 |  |  | $ | 1,895 |  |  | $ | 2,559 |  |  | $ | 555 |  |  | $ | 478 |  |  | $ | 650 |  |  | $ | 326 |  |  | $ | 6,863 |
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block] |
|  | Allowance for Loan Losses as of March 31 , 20 20
|  | 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 |  | $ | --- |  |  | $ | 2 |  |  | $ | --- |  |  | $ | 108 |  |  | $ | --- |  |  | $ | --- |  |  | $ | --- |  |  | $ | 110 |
Collectively evaluated for impairment |  |  | 375 |  |  |  | 2,068 |  |  |  | 2,600 |  |  |  | 613 |  |  |  | 511 |  |  |  | 619 |  |  |  | 344 |  |  |  | 7,130 |
Total |  | $ | 375 |  |  | $ | 2,070 |  |  | $ | 2,600 |  |  | $ | 721 |  |  | $ | 511 |  |  | $ | 619 |  |  | $ | 344 |  |  | $ | 7,240 |
|  | Allowance for Loan Losses as of December 31, 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 |  | $ | --- |  |  | $ | 2 |  |  | $ | --- |  |  | $ | 108 |  |  | $ | --- |  |  | $ | --- |  |  | $ | --- |  |  | $ | 110 |
Collectively evaluated for impairment |  |  | 400 |  |  |  | 1,893 |  |  |  | 2,559 |  |  |  | 447 |  |  |  | 478 |  |  |  | 650 |  |  |  | 326 |  |  |  | 6,753 |
Total |  | $ | 400 |  |  | $ | 1,895 |  |  | $ | 2,559 |  |  | $ | 555 |  |  | $ | 478 |  |  | $ | 650 |  |  | $ | 326 |  |  | $ | 6,863 |
|  | Loans as of March 31 , 2020
|  | 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 |  | $ | --- |  |  | $ | 608 |  |  | $ | 4,142 |  |  | $ | 917 |  |  | $ | --- |  |  | $ | 4 |  |  | $ | --- |  |  | $ | 5,671 |
Collectively evaluated for impairment |  |  | 40,483 |  |  |  | 178,475 |  |  |  | 358,577 |  |  |  | 50,201 |  |  |  | 62,296 |  |  |  | 34,313 |  |  |  | --- |  |  |  | 724,345 |
Total |  | $ | 40,483 |  |  | $ | 179,083 |  |  | $ | 362,719 |  |  | $ | 51,118 |  |  | $ | 62,296 |  |  | $ | 34,317 |  |  | $ | --- |  |  | $ | 730,016 |
|  | Loans as of December 31, 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 |  | $ | --- |  |  | $ | 759 |  |  | $ | 3,608 |  |  | $ | 918 |  |  | $ | --- |  |  | $ | 4 |  |  | $ | --- |  |  | $ | 5,289 |
Collectively evaluated for impairment |  |  | 42,303 |  |  |  | 180,713 |  |  |  | 361,765 |  |  |  | 45,658 |  |  |  | 63,764 |  |  |  | 34,535 |  |  |  | --- |  |  |  | 728,738 |
Total |  | $ | 42,303 |  |  | $ | 181,472 |  |  | $ | 365,373 |  |  | $ | 46,576 |  |  | $ | 63,764 |  |  | $ | 34,539 |  |  | $ | --- |  |  | $ | 734,027 |
Schedule of Ratios for Allowance for Loan Losses [Table Text Block] |
|  | As of and for the
|  | Three Months Ended March 31, |  | Year E nded December 31,
|  | 2020 |  | 2019 |  | 2019
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs |  |  | 0.99 | % |  |  | 1.02 | % |  |  | 0.94 | %
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs (1) |  |  | 0.06 | % |  |  | 0.13 | % |  |  | 0.09 | %
Schedule of Nonperforming Assets [Table Text Block] |
|  | March 31, |  | December 31,
|  | 2020 |  | 2019 |  | 2019
Nonperforming assets: |  |  |  |  |  |  |  |  |  |  |  |
Nonaccrual loans |  | $ | 261 |  |  | $ | 294 |  |  | $ | 164 |
Restructured loans in nonaccrual |  |  | 3,191 |  |  |  | 3,440 |  |  |  | 3,211 |
Total nonperforming loans |  |  | 3,452 |  |  |  | 3,734 |  |  |  | 3,375 |
Other real estate owned, net |  |  | 1,584 |  |  |  | 2,025 |  |  |  | 1,612 |
Total nonperforming assets |  | $ | 5,036 |  |  | $ | 5,759 |  |  | $ | 4,987 |
Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned |  |  | 0.69 | % |  |  | 0.80 | % |  |  | 0.68 | %
Ratio of allowance for loan losses to nonperforming loans (1) |  |  | 209.73 | % |  |  | 197.11 | % |  |  | 203.35 | %
Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block] |
|  | March 31, |  | December 31,
|  | 2020 |  | 2019 |  | 2019
Loans past due 90 days or more and still accruing |  | $ | 170 |  |  | $ | 55 |  |  | $ | 231 |
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs |  |  | 0.02 | % |  |  | 0.01 | % |  |  | 0.03 | %
Accruing restructured loans |  | $ | 1,592 |  |  | $ | 1,995 |  |  | $ | 1,729 |
Impaired loans: |  |  |  |  |  |  |  |  |  |  |  |
Impaired loans with no valuation allowance |  | $ | 4,557 |  |  | $ | 5,212 |  |  | $ | 4,174 |
Impaired loans with a valuation allowance |  |  | 1,114 |  |  |  | 1,125 |  |  |  | 1,115 |
Total impaired loans |  | $ | 5,671 |  |  | $ | 6,337 |  |  | $ | 5,289 |
Valuation allowance |  |  | (110 | ) |  |  | (132 | ) |  |  | (110 | )
Impaired loans, net of allowance |  | $ | 5,561 |  |  | $ | 6,205 |  |  | $ | 5,179 |
Average recorded investment in impaired loans (1) |  | $ | 5,677 |  |  | $ | 6,597 |  |  | $ | 5,359 |
Interest income recognized on impaired loans, after designation as impaired |  | $ | 26 |  |  | $ | 49 |  |  | $ | 171 |
Amount of income recognized on a cash basis |  | $ | --- |  |  | $ | --- |  |  | $ | --- |
Impaired Financing Receivables [Table Text Block] |
|  | Impaired Loans as of March 31, 2020
|  | Principal Balance |  | Total Recorded Investment (1) |  | Recorded Investment (1 ) for Which There is No Related Allowance |  | Recorded Investmen t (1) for Which There is a Related Allowance |  | Related Allowance
Co nsumer Real Estate (2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  | $ | 100 |  |  | $ | 100 |  |  | $ | 100 |  |  | $ | --- |  |  | $ | --- |
Residential closed-end first liens |  |  | 23 |  |  |  | 22 |  |  |  | 22 |  |  |  | --- |  |  |  | --- |
Investor-owned residential real estate |  |  | 488 |  |  |  | 486 |  |  |  | 289 |  |  |  | 197 |  |  |  | 2 |
Commercial Real Estate (2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, owner-occupied |  |  | 921 |  |  |  | 885 |  |  |  | 885 |  |  |  | --- |  |  |  | --- |
Commercial real estate, other |  |  | 3,705 |  |  |  | 3,257 |  |  |  | 3,257 |  |  |  | --- |  |  |  | --- |
Commercial Non-Real Estate (2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 917 |  |  |  | 917 |  |  |  | --- |  |  |  | 917 |  |  |  | 108 |
Consumer Non - Real Estate (2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Automobile |  |  | 4 |  |  |  | 4 |  |  |  | 4 |  |  |  | --- |  |  |  | --- |
Total |  | $ | 6,158 |  |  | $ | 5,671 |  |  | $ | 4,557 |  |  | $ | 1,114 |  |  | $ | 110 |
|  | Impaired Loans as of December 31, 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) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  | $ | 100 |  |  | $ | 100 |  |  | $ | 100 |  |  | $ | --- |  |  | $ | --- |
Residential closed-end first liens |  |  | 221 |  |  |  | 221 |  |  |  | 221 |  |  |  | --- |  |  |  | --- |
Investor-owned residential real estate |  |  | 441 |  |  |  | 438 |  |  |  | 241 |  |  |  | 197 |  |  |  | 2 |
Commercial Real Estate (2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 278 |  |  |  | 278 |  |  |  | 278 |  |  |  | --- |  |  |  | --- |
Commercial real estate, owner occupied |  |  | 929 |  |  |  | 895 |  |  |  | 895 |  |  |  | --- |  |  |  | --- |
Commercial real estate, other |  |  | 2,867 |  |  |  | 2,435 |  |  |  | 2,435 |  |  |  | --- |  |  |  | --- |
Commercial Non-Real Estate (2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 917 |  |  |  | 918 |  |  |  | --- |  |  |  | 918 |  |  |  | 108 |
Consumer Non-Real Estate (2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Automobile |  |  | 4 |  |  |  | 4 |  |  |  | 4 |  |  |  | --- |  |  |  | --- |
Total |  | $ | 5,757 |  |  | $ | 5,289 |  |  | $ | 4,174 |  |  | $ | 1,115 |  |  | $ | 110 |
Impaired Financing Receivable Average Investment And Interest Income [Table Text Block] |
|  | For the Three Months Ended March 31, 2020
|  | Average Recorded Investment (1) |  | Interest Income Recognized
Co nsumer Real Estate (2) |  |  |  |  |  |  |  |
Equity lines |  | $ | 100 |  |  | $ | 2 |
Residential closed-end first liens |  |  | 22 |  |  |  | --- |
Investor-owned residential real estate |  |  | 487 |  |  |  | 4 |
Commercial Real Estate (2) |  |  |  |  |  |  |  |
Commercial real estate, owner occupied |  |  | 890 |  |  |  | 6 |
Commercial real estate, other |  |  | 3,257 |  |  |  | 8 |
Commercial Non - Real Estate (2) |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 917 |  |  |  | 6 |
Consumer Non-Real Estate (2) |  |  |  |  |  |  |  |
Automobile |  |  | 4 |  |  |  | --- |
Total |  | $ | 5,677 |  |  | $ | 26 |
|  | For the Three Months Ended March 31, 2019
|  | Average Recorded Investment (1) |  | Interest Income Recognized
Consumer Real Estate (2) |  |  |  |  |  |  |  |
Residential closed-end first liens |  | $ | 710 |  |  | $ | 9 |
Residential closed-end junior liens |  |  | 142 |  |  |  | 2 |
Investor-owned residential real estate |  |  | 570 |  |  |  | 9 |
Commercial Real Estate (2) |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 471 |  |  |  | 7 |
Commercial real estate, owner occupied |  |  | 1,207 |  |  |  | 5 |
Commercial real estate, other |  |  | 2,484 |  |  |  | 11 |
Commercial Non - Real Estate (2) |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1,002 |  |  |  | 6 |
Consumer Non-Real Estate (2) |  |  |  |  |  |  |  |
Automobile |  |  | 11 |  |  |  | --- |
Total |  | $ | 6,597 |  |  | $ | 49 |
|  | For the Year Ended December 31, 2019
|  | Average Recorded Investment (1) |  | Interest Income Recognized
Consumer Real Estate (2) |  |  |  |  |  |  |  |
Equity lines |  | $ | 98 |  |  | $ | 6 |
Residential closed-end junior liens |  |  | 225 |  |  |  | 11 |
Investor-owned residential real estate |  |  | 439 |  |  |  | 17 |
Commercial Real Estate (2) |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 284 |  |  |  | 12 |
Commercial real estate, owner occupied |  |  | 913 |  |  |  | 41 |
Commercial real estate, other |  |  | 2,435 |  |  |  | 59 |
Commercial Non - Real Estate (2) |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 962 |  |  |  | 25 |
Co nsumer Non - Real Estate (2) |  |  |  |  |  |  |  |
Automobile |  |  | 3 |  |  |  | --- |
Total |  | $ | 5,359 |  |  | $ | 171 |
Financing Receivable, Past Due [Table Text Block] |
March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 30 – 89 Days Past Due and Accruing |  | 90 or M ore Days Past Due |  | 90 or More Days Past Due and Accruing |  | Nonaccruals (2)
Real Estate Construction (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, other |  | $ | --- |  |  | $ | 21 |  |  | $ | --- |  |  | $ | 21 |
Consumer Real Estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 106 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Residential closed-end first liens |  |  | 990 |  |  |  | 158 |  |  |  | 54 |  |  |  | 104 |
Residential closed-end junior liens |  |  | --- |  |  |  | 83 |  |  |  | 83 |  |  |  | --- |
Investor-owned residential real estate |  |  | 109 |  |  |  | 264 |  |  |  | --- |  |  |  | 263 |
Commercial Real Estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, owner-occupied |  |  | --- |  |  |  | 287 |  |  |  | --- |  |  |  | 510 |
Commercial real estate, other |  |  | 838 |  |  |  | --- |  |  |  | --- |  |  |  | 2,419 |
Commercial Non- Real Estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 412 |  |  |  | 133 |  |  |  | --- |  |  |  | 132 |
Consumer Non - Real Estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 2 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Automobile |  |  | 293 |  |  |  | 22 |  |  |  | 22 |  |  |  | --- |
Other consumer loans |  |  | 103 |  |  |  | 11 |  |  |  | 11 |  |  |  | 3 |
Total |  | $ | 2,853 |  |  | $ | 979 |  |  | $ | 170 |  |  | $ | 3,452 |
December 31, 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)
Real Estate Construction (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, other |  | $ | 19 |  |  | $ | --- |  |  | $ | --- |  |  | $ | --- |
Consumer Real Estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential closed-end first liens |  |  | 499 |  |  |  | 210 |  |  |  | 188 |  |  |  | 22 |
Residential closed-end junior liens |  |  | 83 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Investor-owned residential real estate |  |  | --- |  |  |  | 264 |  |  |  | --- |  |  |  | 264 |
Commercial Real Estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily real estate |  |  | 94 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Commercial real estate, owner occupied |  |  | --- |  |  |  | 287 |  |  |  | --- |  |  |  | 514 |
Commercial real estate, other |  |  | --- |  |  |  | --- |  |  |  | --- |  |  |  | 2,435 |
Commercial Non - Real Estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 45 |  |  |  | 153 |  |  |  | 17 |  |  |  | 136 |
Consumer Non - Real Estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 4 |  |  |  | --- |  |  |  | --- |  |  |  | --- |
Automobile |  |  | 256 |  |  |  | 14 |  |  |  | 14 |  |  |  | 4 |
Other consumer loans |  |  | 70 |  |  |  | 12 |  |  |  | 12 |  |  |  | --- |
Total |  | $ | 1,070 |  |  | $ | 940 |  |  | $ | 231 |  |  | $ | 3,375 |
Financing Receivable Credit Quality Indicators [Table Text Block] |
March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass (1) |  | Special Mention (1) |  | Classified (1)
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |
Construction, 1-4 family residential |  | $ | 7,610 |  |  | $ | --- |  |  | $ | --- |
Construction, other |  |  | 32,852 |  |  |  | --- |  |  |  | 21 |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 16,619 |  |  |  | --- |  |  |  | 37 |
Residential closed-end first liens |  |  | 92,190 |  |  |  | --- |  |  |  | 665 |
Residential closed-end junior liens |  |  | 3,711 |  |  |  | --- |  |  |  | 83 |
Investor-owned residential real estate |  |  | 65,147 |  |  |  | --- |  |  |  | 23 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential real estate |  |  | 83,688 |  |  |  | --- |  |  |  | --- |
Commercial real estate owner-occupied |  |  | 130,191 |  |  |  | 17 |  |  |  | 133 |
Commercial real estate, other |  |  | 144,548 |  |  |  | --- |  |  |  | --- |
Commercial Non - Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 49,932 |  |  |  | 136 |  |  |  | 133 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |
States and political subdivisions |  |  | 62,296 |  |  |  | --- |  |  |  | --- |
Consumer Non - Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 5,231 |  |  |  | --- |  |  |  | --- |
Automobile |  |  | 13,994 |  |  |  | --- |  |  |  | 24 |
Other consumer |  |  | 15,059 |  |  |  | --- |  |  |  | 5 |
Total |  | $ | 723,068 |  |  | $ | 153 |  |  | $ | 1,124 |
December 31, 201 9 |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass (1) |  | Special Mention (1) |  | Classified (1)
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |
Construction, 1-4 family residential |  | $ | 7,590 |  |  | $ | --- |  |  | $ | --- |
Construction, other |  |  | 34,713 |  |  |  | --- |  |  |  | --- |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 16,435 |  |  |  | --- |  |  |  | --- |
Residential closed-end first liens |  |  | 94,814 |  |  |  | --- |  |  |  | 517 |
Residential closed-end junior liens |  |  | 3,861 |  |  |  | --- |  |  |  | --- |
Investor-owned residential real estate |  |  | 65,063 |  |  |  | --- |  |  |  | 23 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential real estate |  |  | 87,934 |  |  |  | --- |  |  |  | 94 |
Commercial real estate owner-occupied |  |  | 127,937 |  |  |  | --- |  |  |  | 164 |
Commercial real estate, other |  |  | 145,636 |  |  |  | --- |  |  |  | --- |
Commercial Non - Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 45,387 |  |  |  | 135 |  |  |  | 136 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |
States and political subdivisions |  |  | 63,764 |  |  |  | --- |  |  |  | --- |
Consumer Non - Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 5,703 |  |  |  | --- |  |  |  | --- |
Automobile |  |  | 14,810 |  |  |  | --- |  |  |  | 19 |
Other consumer |  |  | 13,995 |  |  |  | --- |  |  |  | 8 |
Total |  | $ | 727,642 |  |  | $ | 135 |  |  | $ | 961 |

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