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

6 Months Ended

Jun. 30, 2020

Notes Tables

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

		Activity in the Allowance for Loan Losses for the Six Months Ended June 30, 2020
		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			---				(62	)			(15	)			(347	)			---				(116	)			---				(540	)
Recoveries			---				16				24				1				---				113				---				154
Provision for (recovery of) loan losses			(15	)			417				808				457				85				10				69				1,831
Balance, June 30, 2020		$	385			$	2,266			$	3,376			$	666			$	563			$	657			$	395			$	8,308

		Activity in the Allowance for Loan Losses for the Six Months Ended June 30, 2019
		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, 2019		$	516			$	2,066			$	2,960			$	479			$	529			$	671			$	83			$	7,304

		Activity in the Allowance for Loan Losses for the Year Ended December 31, 2019
		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, 2019		$	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 June 30, 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		$	---			$	2			$	---			$	102			$	---			$	---			$	---			$	104
Collectively evaluated for impairment			385				2,264				3,376				564				563				657				395				8,204
Total		$	385			$	2,266			$	3,376			$	666			$	563			$	657			$	395			$	8,308

		Allowance for Loan Losses as of December 31, 2019
		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 June 30, 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		$	---			$	245			$	4,099			$	880			$	---			$	3			$	---			$	5,227
Collectively evaluated for impairment			35,360				181,949				374,671				100,064				61,850				34,354				---				788,248
Total		$	35,360			$	182,194			$	378,770			$	100,944			$	61,850			$	34,357			$	---			$	793,475

		Loans as of December 31, 2019
		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
		Six Months Ended June 30,						Year Ended 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(2)		1.05%			1.00%			0.94%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs(1)		0.10%			0.10%			0.09%

Schedule of Nonperforming Assets [Table Text Block]

		June 30,								December 31,
		2020				2019				2019
Nonperforming assets:
Nonaccrual loans		$	943			$	856			$	164
Restructured loans in nonaccrual			2,887				3,406				3,211
Total nonperforming loans			3,830				4,262				3,375
Other real estate owned, net			1,553				2,025				1,612
Total nonperforming assets		$	5,383			$	6,287			$	4,987
Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned			0.68	%			0.86	%			0.68	%
Ratio of allowance for loan losses to nonperforming loans(1)			216.92	%			171.37	%			203.35	%

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

		As of and For the
		Six Months Ended June 30,								Year ended December 31,
		2020				2019				2019
Loans past due 90 days or more and still accruing		$	237			$	50			$	231
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs			0.03	%			0.01	%			0.03	%
Accruing restructured loans		$	1,453			$	1,954			$	1,729
Impaired loans:
Impaired loans with no valuation allowance		$	4,151			$	5,167			$	4,174
Impaired loans with a valuation allowance			1,076				1,484				1,115
Total impaired loans		$	5,227			$	6,651			$	5,289
Valuation allowance			(104	)			(129	)			(110	)
Impaired loans, net of allowance		$	5,123			$	6,522			$	5,179
Average recorded investment in impaired loans(1)		$	5,263			$	6,703			$	5,359
Interest income recognized on impaired loans, after designation as impaired		$	29			$	52			$	171
Amount of income recognized on a cash basis		$	---			$	---			$	---

Impaired Financing Receivables [Table Text Block]

		Impaired Loans as of June 30, 2020
		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
Consumer Real Estate(2)
Investor-owned residential real estate		$	245			$	245			$	49			$	196			$	2
Commercial Real Estate(2)
Commercial real estate, owner-occupied			902				863				863				---				---
Commercial real estate, other			3,705				3,236				3,236				---				---
Commercial Non Real Estate(2)
Commercial and industrial			880				880				---				880				102
Consumer Non Real Estate(2)
Automobile			3				3				3				---				---
Total		$	5,735			$	5,227			$	4,151			$	1,076			$	104

		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
Consumer 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 Six Months Ended June 30, 2020
		Average Recorded Investment(1)				Interest Income Recognized
Consumer Real Estate(2)
Investor-owned residential real estate		$	246			$	8
Commercial Real Estate(2)
Commercial real estate, owner occupied			868				10
Commercial real estate, other			3,235				--
Commercial Non Real Estate(2)
Commercial and industrial			910				11
Consumer Non Real Estate
Automobile			4				---
Total		$	5,263			$	29

		For the Six Months Ended June 30, 2019
		Average Recorded Investment(1)				Interest Income Recognized
Consumer 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 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
Consumer Non-Real Estate(2)
Automobile			3				---
Total		$	5,359			$	171

Financing Receivable, Past Due [Table Text Block]

June 30, 2020
		30 – 89 Days Past Due and Accruing				90 or More 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			24				19				19				---
Residential closed-end first liens			458				173				91				81
Residential closed-end junior liens			---				83				83				---
Investor-owned residential real estate			108				---				---				---
Commercial Real Estate(1)
Commercial real estate, owner-occupied			393				490				---				490
Commercial real estate, other			---				838				---				3,236
Commercial Non Real Estate(1)
Commercial and industrial			134				---				1				---
Consumer Non Real Estate(1)
Credit cards			4				---				---				---
Automobile			206				31				31				---
Other consumer loans			140				12				12				2
Total		$	1,467			$	1,667			$	237			$	3,830

December 31, 2019
		30 – 89 Days Past Due and Accruing				90 or More 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]

		Pass(1)				Special Mention(1)				Classified(1)
Real Estate Construction
Construction, 1-4 family residential		$	6,547			$	---			$	---
Construction, other			28,792				---				21
Consumer Real Estate
Equity lines			15,982				---				19
Closed-end first liens			92,419				69				398
Closed-end junior liens			3,706				---				83
Investor-owned residential real estate			69,273				---				---
Commercial Real Estate
Multifamily residential real estate			84,332				272				---
Commercial real estate owner-occupied			136,447				---				235
Commercial real estate, other			153,385				---				---
Commercial Non Real Estate
Commercial and industrial			100,064				---				---
Public Sector and IDA
States and political subdivisions			61,850				---				---
Consumer Non Real Estate
Credit cards			4,851				---				---
Automobile			13,154				---				35
Other consumer			16,312				---				2
Total		$	787,114			$	341			$	793

		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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