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Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)

12 Months Ended

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, 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

		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, 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 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, 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 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, 2019
		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, 2019
		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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