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Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) | 12 Months Ended
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Dec. 31, 2020
Notes Tables |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | Activity in the Allowance for Loan Losses by Segment for the year ended December 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 |
Balance, December 31, 2019 |  | $ | 400 |  |  | $ | 1,895 |  |  | $ | 2,559 |  |  | $ | 555 |  |  | $ | 478 |  |  | $ | 650 |  |  | $ | 326 |  |  | $ | 6,863 |
Charge-offs |  |  | - |  |  |  | (85 | ) |  |  | (15 | ) |  |  | (372 | ) |  |  | - |  |  |  | (248 | ) |  |  | - |  |  |  | (720 | )
Recoveries |  |  | - |  |  |  | 18 |  |  |  | 145 |  |  |  | 9 |  |  |  | - |  |  |  | 175 |  |  |  | - |  |  |  | 347 |
Provision for (recovery of) loan losses |  |  | 103 |  |  |  | 337 |  |  |  | 1,164 |  |  |  | 478 |  |  |  | (139 | ) |  |  | (22 | ) |  |  | 70 |  |  |  | 1,991 |
Balance, December 31, 2020 |  | $ | 503 |  |  | $ | 2,165 |  |  | $ | 3,853 |  |  | $ | 670 |  |  | $ | 339 |  |  | $ | 555 |  |  | $ | 396 |  |  | $ | 8,481 |
|  | Activity in the Allowance for Loan Losses by Segment 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, 2019 |  | $ | 400 |  |  | $ | 1,895 |  |  | $ | 2,559 |  |  | $ | 555 |  |  | $ | 478 |  |  | $ | 650 |  |  | $ | 326 |  |  | $ | 6,863 |
|  | Activity in the Allowance for Loan Losses by Segment for the year ended December 31, 2018 |
|  | 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, 2018 |  | $ | 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 by Segment and Evaluation Method as of |
|  | December 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 |  | $ | - |  |  | $ | 2 |  |  | $ | - |  |  | $ | 73 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 75 |
Collectively evaluated loans |  |  | 503 |  |  |  | 2,163 |  |  |  | 3,853 |  |  |  | 597 |  |  |  | 339 |  |  |  | 555 |  |  |  | 396 |  |  |  | 8,406 |
Total |  | $ | 503 |  |  | $ | 2,165 |  |  | $ | 3,853 |  |  | $ | 670 |  |  | $ | 339 |  |  | $ | 555 |  |  | $ | 396 |  |  | $ | 8,481 |
|  | Loans by Segment and Evaluation Method as of |
|  | December 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 |  | $ | - |  |  | $ | 194 |  |  | $ | 3,856 |  |  | $ | 851 |  |  | $ | - |  |  | $ | 2 |  |  | $ | - |  |  | $ | 4,903 |
Collectively evaluated loans |  |  | 42,266 |  |  |  | 181,588 |  |  |  | 389,259 |  |  |  | 77,920 |  |  |  | 40,983 |  |  |  | 33,108 |  |  |  | - |  |  |  | 765,124 |
Total |  | $ | 42,266 |  |  | $ | 181,782 |  |  | $ | 393,115 |  |  | $ | 78,771 |  |  | $ | 40,983 |  |  | $ | 33,110 |  |  | $ | - |  |  | $ | 770,027 |
|  | Allowance for Loan Losses by Segment and Evaluation Method 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 loans |  |  | 400 |  |  |  | 1,893 |  |  |  | 2,559 |  |  |  | 447 |  |  |  | 478 |  |  |  | 650 |  |  |  | 326 |  |  |  | 6,753 |
Total |  | $ | 400 |  |  | $ | 1,895 |  |  | $ | 2,559 |  |  | $ | 555 |  |  | $ | 478 |  |  | $ | 650 |  |  | $ | 326 |  |  | $ | 6,863 |
|  | Loans by Segment and Evaluation Method 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 loans |  |  | 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] |
|  | December 31, |
|  | 2020 |  |  | 2019 |
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs(1) |  |  | 1.10 | % |  |  | 0.94 | %
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs |  |  | 0.05 | % |  |  | 0.09 | %
Schedule of Nonperforming Assets [Table Text Block] |
|  | December 31, |
|  | 2020 |  |  | 2019 |
Nonperforming assets: |  |  |  |  |  |  |  |
Nonaccrual loans |  | $ | 846 |  |  | $ | 164 |
Restructured loans in nonaccrual |  |  | 2,839 |  |  |  | 3,211 |
Total nonperforming loans |  |  | 3,685 |  |  |  | 3,375 |
Other real estate owned, net |  |  | 1,553 |  |  |  | 1,612 |
Total nonperforming assets |  | $ | 5,238 |  |  | $ | 4,987 |
Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned |  |  | 0.68 | % |  |  | 0.68 | %
Ratio of allowance for loan losses to nonperforming loans(1) |  |  | 230.15 | % |  |  | 203.35 | %
Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block] |
|  | December 31, |
|  | 2020 |  |  | 2019 |
Loans past due 90 days or more and still accruing |  | $ | 17 |  |  | $ | 231 |
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs |  |  | 0.00 | % |  |  | 0.03 | %
Accruing restructured loans |  | $ | 1,410 |  |  | $ | 1,729 |
Impaired loans: |  |  |  |  |  |  |  |
Impaired loans with no valuation allowance |  | $ | 3,858 |  |  | $ | 4,174 |
Impaired loans with a valuation allowance |  |  | 1,045 |  |  |  | 1,115 |
Total impaired loans |  | $ | 4,903 |  |  | $ | 5,289 |
Valuation allowance |  | $ | (75 | ) |  | $ | (110 | )
Impaired loans, net of allowance |  | $ | 4,828 |  |  | $ | 5,179 |
Average recorded investment in impaired loans(1) |  | $ | 5,093 |  |  | $ | 5,359 |
Income recognized on impaired loans, after designation as impaired |  | $ | 54 |  |  | $ | 171 |
Amount of income recognized on a cash basis |  | $ | - |  |  | $ | - |
Impaired Financing Receivables [Table Text Block] |
|  | Impaired Loans as of December 31, 2020 |
|  | Principal Balance |  |  | (A) Total Recorded Investment(1) |  |  | Recorded Investment(1) in (A) for Which There is No Related Allowance |  |  | Recorded Investment(1) in (A) for Which There is a Related Allowance |  |  | Related Allowance |
Consumer Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor-owned residential real estate |  | $ | 194 |  |  | $ | 194 |  |  | $ | - |  |  | $ | 194 |  |  | $ | 2 |
Commercial Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, owner occupied |  |  | 3,752 |  |  |  | 3,202 |  |  |  | 3,202 |  |  |  | - |  |  |  | - |
Commercial real estate, other |  |  | 654 |  |  |  | 654 |  |  |  | 654 |  |  |  | - |  |  |  | - |
Commercial Non-Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 851 |  |  |  | 851 |  |  |  | - |  |  |  | 851 |  |  |  | 73 |
Consumer Non-Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Automobile |  |  | 2 |  |  |  | 2 |  |  |  | 2 |  |  |  | - |  |  |  | - |
Total |  | $ | 5,453 |  |  | $ | 4,903 |  |  | $ | 3,858 |  |  | $ | 1,045 |  |  | $ | 75 |
|  | Impaired Loans as of December 31, 2019 |
|  | Principal Balance |  |  | (A) Total Recorded Investment(1) |  |  | Recorded Investment(1) in (A) for Which There is No Related Allowance |  |  | Recorded Investment(1) in (A) for Which There is a Related Allowance |  |  | Related Allowance |
Consumer Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential 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] |
|  | Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2020 |
|  | Average Recorded Investment(1) |  |  | Interest Income Recognized |
Consumer Real Estate(2) |  |  |  |  |  |  |  |
Investor-owned residential real estate |  | $ | 196 |  |  | $ | 13 |
Commercial Real Estate(2) |  |  |  |  |  |  |  |
Commercial real estate, owner occupied |  |  | 3,217 |  |  |  | 19 |
Commercial real estate, other |  |  | 790 |  |  |  | - |
Commercial Non-Real Estate(2) |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 887 |  |  |  | 22 |
Consumer Non-Real Estate(2) |  |  |  |  |  |  |  |
Automobile |  |  | 3 |  |  |  | - |
Total |  | $ | 5,093 |  |  | $ | 54 |
|  | Average Investment and Interest Income for Impaired Loans For the Year Ended December 31, 2019 |
|  | Average Recorded Investment(1) |  |  | Interest Income Recognized |
Consumer Real Estate(2) |  |  |  |  |  |  |  |
Residential equity lines |  | $ | 98 |  |  | $ | 6 |
Residential closed-end first 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 |
|  | Average Investment and Interest Income for Impaired Loans 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 |
Consumer Non-Real Estate(2) |  |  |  |  |  |  |  |
Automobile |  |  | 20 |  |  |  | 1 |
Total |  | $ | 9,788 |  |  | $ | 250 |
Financing Receivable, Past Due [Table Text Block] |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 30 – 89 Days Past Due |  |  | 90 or More Days Past Due |  |  | 90 or More Days Past Due and Still Accruing |  |  | Nonaccruals (Including Impaired Nonaccruals) |
Consumer Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential closed-end first liens |  | $ | 365 |  |  | $ | 62 |  |  | $ | - |  |  | $ | 62 |
Investor-owned residential real estate |  |  | 106 |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, owner occupied |  |  | 15 |  |  |  | 571 |  |  |  | - |  |  |  | 2,941 |
Commercial real estate, other |  |  | - |  |  |  | 654 |  |  |  | - |  |  |  | 654 |
Commercial Non-Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 730 |  |  |  | 27 |  |  |  | - |  |  |  | 28 |
Consumer Non-Real Estate (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 7 |  |  |  | 3 |  |  |  | 3 |  |  |  | - |
Automobile |  |  | 144 |  |  |  | 1 |  |  |  | 1 |  |  |  | - |
Other consumer loans |  |  | 130 |  |  |  | 13 |  |  |  | 13 |  |  |  | - |
Total |  | $ | 1,497 |  |  | $ | 1,331 |  |  | $ | 17 |  |  | $ | 3,685 |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 30 – 89 Days Past Due |  |  | 90 or More Days Past Due |  |  | 90 or More Days Past Due and Still Accruing |  |  | Nonaccruals (Including Impaired Nonaccruals) |
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] |
December 31, 2020 |  |  |  |  |  |  |  |  |
|  | Pass |  |  | Special Mention (Excluding Impaired) |  |  | Classified (Excluding Impaired) |
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |
Construction, 1-4 family residential |  | $ | 8,195 |  |  | $ | - |  |  | $ | - |
Construction, other |  |  | 34,071 |  |  |  | - |  |  |  | - |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 13,903 |  |  |  | - |  |  |  | - |
Closed-end first liens |  |  | 92,241 |  |  |  | 66 |  |  |  | 284 |
Closed-end junior liens |  |  | 3,003 |  |  |  | - |  |  |  | - |
Investor-owned residential real estate |  |  | 71,450 |  |  |  | 641 |  |  |  | - |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential real estate |  |  | 87,455 |  |  |  | 265 |  |  |  | - |
Commercial real estate owner-occupied |  |  | 146,900 |  |  |  | 543 |  |  |  | 140 |
Commercial real estate, other |  |  | 147,436 |  |  |  | 6,520 |  |  |  | - |
Commercial Non-Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial and Industrial |  |  | 77,892 |  |  |  | - |  |  |  | 28 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |
States and political subdivisions |  |  | 40,983 |  |  |  | - |  |  |  | - |
Consumer Non-Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 4,665 |  |  |  | - |  |  |  | - |
Automobile |  |  | 12,024 |  |  |  | - |  |  |  | 6 |
Other consumer |  |  | 16,398 |  |  |  | - |  |  |  | 15 |
Total |  | $ | 756,616 |  |  | $ | 8,035 |  |  | $ | 473 |
December 31, 201 9 |  |  |  |  |  |  |  |  |  |  |  |
|  | Pass |  |  | Special Mention (Excluding Impaired) |  |  | Classified (Excluding Impaired) |
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |
Construction, 1-4 family residential |  | $ | 7,590 |  |  | $ | - |  |  | $ | - |
Construction, other |  |  | 34,713 |  |  |  | - |  |  |  | - |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 16,435 |  |  |  | - |  |  |  | - |
Closed-end first liens |  |  | 94,814 |  |  |  | - |  |  |  | 517 |
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 |
Financing Receivable, Troubled Debt Restructuring [Table Text Block] |
|  | Restructurings that occurred during the year ended December 31, 201 9 |
|  | Number of Contracts |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment(1) |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 1 |  |  | $ | 100 |  |  | $ | 100 |
Total |  |  | 1 |  |  | $ | 100 |  |  | $ | 100 |
|  | Restructurings that occurred during the year ended December 31, 2018 |
|  | Number of Contracts |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment(1) |
Construction Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Construction, other |  |  | 2 |  |  | $ | 2,882 |  |  | $ | 2,882 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, owner occupied |  |  | 2 |  |  |  | 715 |  |  |  | 715 |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Closed-end first liens |  |  | 1 |  |  |  | 22 |  |  |  | 22 |
Investor-owned residential real estate |  |  | 8 |  |  |  | 594 |  |  |  | 594 |
Total |  |  | 13 |  |  | $ | 4,213 |  |  | $ | 4,213 |

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