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Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables) | 3 Months Ended
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Mar. 31, 2021
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, 2021 |
|  | 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, 2020 |  | $ | 503 |  |  | $ | 2,165 |  |  | $ | 3,853 |  |  | $ | 670 |  |  | $ | 339 |  |  | $ | 555 |  |  | $ | 396 |  |  | $ | 8,481 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (47 | ) |  |  | - |  |  |  | (47 | )
Recoveries |  |  | - |  |  |  | - |  |  |  | 12 |  |  |  | 2 |  |  |  | - |  |  |  | 38 |  |  |  | - |  |  |  | 52 |
Provision for (recovery of) loan losses |  |  | 8 |  |  |  | 201 |  |  |  | (3 | ) |  |  | (38 | ) |  |  | (28 | ) |  |  | (50 | ) |  |  | (40 | ) |  |  | 50 |
Balance, March 31, 2021 |  | $ | 511 |  |  | $ | 2,366 |  |  | $ | 3,862 |  |  | $ | 634 |  |  | $ | 311 |  |  | $ | 496 |  |  | $ | 356 |  |  | $ | 8,536 |
|  | Activity in the Allowance for Loan Losses for the Three Months Ended 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 |
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 31, 2020 |  | $ | 375 |  |  | $ | 2,070 |  |  | $ | 2,600 |  |  | $ | 721 |  |  | $ | 511 |  |  | $ | 619 |  |  | $ | 344 |  |  | $ | 7,240 |
|  | Activity in the Allowance for Loan Losses 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 |
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block] |
|  | Allowance for Loan Losses as of March 31, 2021 |
|  | 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 |  |  | $ | - |  |  | $ | 16 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 18 |
Collectively evaluated for impairment |  |  | 511 |  |  |  | 2,364 |  |  |  | 3,862 |  |  |  | 618 |  |  |  | 311 |  |  |  | 496 |  |  |  | 356 |  |  |  | 8,518 |
Total |  | $ | 511 |  |  | $ | 2,366 |  |  | $ | 3,862 |  |  | $ | 634 |  |  | $ | 311 |  |  | $ | 496 |  |  | $ | 356 |  |  | $ | 8,536 |
|  | Allowance for Loan Losses 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 for impairment |  |  | 503 |  |  |  | 2,163 |  |  |  | 3,853 |  |  |  | 597 |  |  |  | 339 |  |  |  | 555 |  |  |  | 396 |  |  |  | 8,406 |
Total |  | $ | 503 |  |  | $ | 2,165 |  |  | $ | 3,853 |  |  | $ | 670 |  |  | $ | 339 |  |  | $ | 555 |  |  | $ | 396 |  |  | $ | 8,481 |
|  | Loans as of March 31, 2021 |
|  | 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 |  | $ | - |  |  | $ | 193 |  |  | $ | 3,919 |  |  | $ | 826 |  |  | $ | - |  |  | $ | 1 |  |  | $ | - |  |  | $ | 4,939 |
Collectively evaluated for impairment |  |  | 42,570 |  |  |  | 186,713 |  |  |  | 388,542 |  |  |  | 86,432 |  |  |  | 39,788 |  |  |  | 32,260 |  |  |  | - |  |  |  | 776,305 |
Total |  | $ | 42,570 |  |  | $ | 186,906 |  |  | $ | 392,461 |  |  | $ | 87,258 |  |  | $ | 39,788 |  |  | $ | 32,261 |  |  | $ | - |  |  | $ | 781,244 |
|  | Loans 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 for impairment |  |  | 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 |
Schedule of Ratios for Allowance for Loan Losses [Table Text Block] |
|  | As of and for the |
|  | Three Months Ended March 31, |  |  | Year Ended December 31, |
|  | 2021 |  |  | 2020 |  |  | 2020 |
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs(1) |  |  | 1.10 | % |  |  | 0.99 | % |  |  | 1.10 | %
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs(2) |  |  | 0.00 | % |  |  | 0.06 | % |  |  | 0.05 | %
Schedule of Nonperforming Assets [Table Text Block] |
|  | March 31, |  |  | December 31, |
|  | 2021 |  |  | 2020 |  |  | 2020 |
Nonperforming assets: |  |  |  |  |  |  |  |  |  |  |  |
Nonaccrual loans |  | $ | 784 |  |  | $ | 261 |  |  | $ | 846 |
Restructured loans in nonaccrual |  |  | 2,907 |  |  |  | 3,191 |  |  |  | 2,839 |
Total nonperforming loans |  |  | 3,691 |  |  |  | 3,452 |  |  |  | 3,685 |
Other real estate owned, net |  |  | 957 |  |  |  | 1,584 |  |  |  | 1,553 |
Total nonperforming assets |  | $ | 4,648 |  |  | $ | 5,036 |  |  | $ | 5,238 |
Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned |  |  | 0.60 | % |  |  | 0.69 | % |  |  | 0.68 | %
Ratio of allowance for loan losses to nonperforming loans(1) |  |  | 231.27 | % |  |  | 209.73 | % |  |  | 230.15 | %
Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block] |
|  | March 31, |  |  | December 31, |
|  | 2021 |  |  | 2020 |  |  | 2020 |
Loans past due 90 days or more and still accruing |  | $ | 12 |  |  | $ | 170 |  |  | $ | 17 |
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 | % |  |  | 0.02 | % |  |  | 0.00 | %
Accruing restructured loans |  | $ | 1,378 |  |  | $ | 1,592 |  |  | $ | 1,410 |
Impaired loans: |  |  |  |  |  |  |  |  |  |  |  |
Impaired loans with no valuation allowance |  | $ | 4,564 |  |  | $ | 4,557 |  |  | $ | 3,858 |
Impaired loans with a valuation allowance |  |  | 375 |  |  |  | 1,114 |  |  |  | 1,045 |
Total impaired loans |  | $ | 4,939 |  |  | $ | 5,671 |  |  | $ | 4,903 |
Valuation allowance |  |  | (18 | ) |  |  | (110 | ) |  |  | (75 | )
Impaired loans, net of allowance |  | $ | 4,921 |  |  | $ | 5,561 |  |  | $ | 4,828 |
Average recorded investment in impaired loans(1) |  | $ | 4,956 |  |  | $ | 5,677 |  |  | $ | 5,093 |
Interest income recognized on impaired loans, after designation as impaired |  | $ | 46 |  |  | $ | 26 |  |  | $ | 54 |
Amount of income recognized on a cash basis |  | $ | - |  |  | $ | - |  |  | $ | - |
Impaired Financing Receivables [Table Text Block] |
|  | Impaired Loans as of March 31, 2021 |
|  | 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 |  | $ | 193 |  |  | $ | 193 |  |  | $ | - |  |  | $ | 193 |  |  | $ | 2 |
Commercial Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, owner-occupied |  |  | 3,846 |  |  |  | 3,265 |  |  |  | 3,265 |  |  |  | - |  |  |  | - |
Commercial real estate, other |  |  | 654 |  |  |  | 654 |  |  |  | 654 |  |  |  | - |  |  |  | - |
Commercial Non-Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 826 |  |  |  | 826 |  |  |  | 644 |  |  |  | 182 |  |  |  | 16 |
Consumer Non-Real Estate(2) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Automobile |  |  | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  | - |  |  |  | - |
Total |  | $ | 5,520 |  |  | $ | 4,939 |  |  | $ | 4,564 |  |  | $ | 375 |  |  | $ | 18 |
|  | Impaired Loans as of December 31, 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 |  | $ | 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 Financing Receivable Average Investment And Interest Income [Table Text Block] |
|  | For the Three Months Ended March 31, 2021 |
|  | Average Recorded Investment(1) |  |  | Interest Income Recognized |
Consumer Real Estate(2) |  |  |  |  |  |  |  |
Investor-owned residential real estate |  | $ | 194 |  |  | $ | 3 |
Commercial Real Estate(2) |  |  |  |  |  |  |  |
Commercial real estate, owner occupied |  |  | 3,269 |  |  |  | 38 |
Commercial real estate, other |  |  | 654 |  |  |  | - |
Commercial Non-Real Estate(2) |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 838 |  |  |  | 5 |
Consumer Non-Real Estate(2) |  |  |  |  |  |  |  |
Automobile |  |  | 1 |  |  |  | - |
Total |  | $ | 4,956 |  |  | $ | 46 |
|  | For the Three Months Ended March 31, 2020 |
|  | Average Recorded Investment(1) |  |  | Interest Income Recognized |
Consumer 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 |  |  | 3,309 |  |  |  | 6 |
Commercial real estate, other |  |  | 838 |  |  |  | 8 |
Commercial Non-Real Estate(2) |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 917 |  |  |  | 6 |
Consumer Non-Real Estate(2) |  |  |  |  |  |  |  |
Automobile |  |  | 4 |  |  |  | - |
Total |  | $ | 5,677 |  |  | $ | 26 |
|  | 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 |
Financing Receivable, Past Due [Table Text Block] |
March 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 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 |  | $ | 16 |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Consumer Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 29 |  |  |  | - |  |  |  | - |  |  |  | - |
Residential closed-end first liens |  |  | 403 |  |  |  | 62 |  |  |  | - |  |  |  | 62 |
Investor-owned residential real estate |  |  | 163 |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, owner-occupied |  |  | - |  |  |  | 461 |  |  |  | - |  |  |  | 2,907 |
Commercial real estate, other |  |  | - |  |  |  | 654 |  |  |  | - |  |  |  | 654 |
Commercial Non-Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial(3) |  |  | 874 |  |  |  | 48 |  |  |  | - |  |  |  | 68 |
Consumer Non-Real Estate(1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 4 |  |  |  | 1 |  |  |  | 1 |  |  |  | - |
Automobile |  |  | 97 |  |  |  | - |  |  |  | - |  |  |  | - |
Other consumer loans |  |  | 218 |  |  |  | 11 |  |  |  | 11 |  |  |  | - |
Total |  | $ | 1,804 |  |  | $ | 1,237 |  |  | $ | 12 |  |  | $ | 3,691 |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 30 – 89 Days Past Due and Accruing |  |  | 90 or More Days Past Due |  |  | 90 or More Days Past Due and Accruing |  |  | Nonaccruals(2) |
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 |
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Pass(1) |  |  | Special Mention(1) |  |  | Classified(1) |
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |
Construction, 1-4 family residential |  | $ | 8,902 |  |  | $ | - |  |  | $ | - |
Construction, other |  |  | 33,668 |  |  |  | - |  |  |  | - |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 13,486 |  |  |  | - |  |  |  | 29 |
Residential closed-end first liens |  |  | 94,684 |  |  |  | 65 |  |  |  | 343 |
Residential closed-end junior liens |  |  | 2,902 |  |  |  | - |  |  |  | - |
Investor-owned residential real estate |  |  | 74,468 |  |  |  | 632 |  |  |  | 104 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential real estate |  |  | 90,194 |  |  |  | 261 |  |  |  | - |
Commercial real estate owner-occupied |  |  | 144,790 |  |  |  | 543 |  |  |  | 37 |
Commercial real estate, other |  |  | 146,197 |  |  |  | 6,520 |  |  |  | - |
Commercial Non-Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 86,363 |  |  |  | - |  |  |  | 69 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |
States and political subdivisions |  |  | 39,788 |  |  |  | - |  |  |  | - |
Consumer Non-Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 4,437 |  |  |  | - |  |  |  | - |
Automobile |  |  | 11,666 |  |  |  | - |  |  |  | 17 |
Other consumer |  |  | 16,134 |  |  |  | - |  |  |  | 6 |
Total |  | $ | 767,679 |  |  | $ | 8,021 |  |  | $ | 605 |
|  | Pass(1) |  |  | Special Mention(1) |  |  | Classified(1) |
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |
Construction, 1-4 family residential |  | $ | 8,195 |  |  | $ | - |  |  | $ | - |
Construction, other |  |  | 34,071 |  |  |  | - |  |  |  | - |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 13,903 |  |  |  | - |  |  |  | - |
Residential closed-end first liens |  |  | 92,241 |  |  |  | 66 |  |  |  | 284 |
Residential 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 |
Financing Receivable, Troubled Debt Restructuring [Table Text Block] |
|  | Restructurings That Occurred During the Three Months Ended March 31, 2021 |
|  | Number of Contracts |  |  | Pre-Modification Outstanding Principal Balance |  |  | Post-Modification Outstanding Principal Balance |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner-occupied |  |  | 1 |  |  | $ | 102 |  |  | $ | 102 |
Total |  |  | 1 |  |  | $ | 102 |  |  | $ | 102 |

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