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

3 Months Ended

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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