XML 47 R31.htm IDEA: XBRL DOCUMENT v3.8.0.1

Note 4 - Loans Receivables and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2017

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

(In thousands)
Loan portfolio segment:		December 31, 2017				December 31, 2016
Commercial Real Estate		$	299,925				271,229
Residential Real Estate			146,377				86,514
Commercial and Industrial			131,161				60,977
Consumer and Other			87,707				101,449
Construction			47,619				53,895
Construction to permanent - CRE			6,858				7,593
Loans receivable, gross			719,647				581,657
Allowance for loan losses			(6,297	)			(4,675	)
Loans receivable, net		$	713,350				576,982

Allowance for Credit Losses on Financing Receivables [Table Text Block]

(In thousands)		Commercial Real Estate				Residential Real Estate				Commercial and Industrial				Consumer and Other				Construction				Construction to Permanent [CRE]				Unallocated				Total
As of and for the year ended  December 31, 2017
Allowance for loan losses:
December 31, 2016		$	1,853				534				740				641				712				69				126				4,675
Charge-offs			-				-				(265	)			(39	)			-				-				-				(304	)
Recoveries			10				-				2,769				4				-				-				-				2,783
Provisions (credits)			349				425				(1,221	)			(38	)			(231	)			(15	)			(126	)			(857	)
December 31, 2017		$	2,212				959				2,023				568				481				54				-				6,297
As of and for the year ended  December 31, 2016
Allowance for loan losses:
December 31, 2015		$	1,970				740				1,027				677				486				123				219				5,242
Charge-offs			-				(190	)			(2,977	)			(13	)			-				-				-				(3,180	)
Recoveries			80				1				66				2				-				-				-				149
Provisions (credits)			(197	)			(17	)			2,624				(25	)			226				(54	)			(93	)			2,464
December 31, 2016		$	1,853				534				740				641				712				69				126				4,675
As of and for the year ended  December 31, 2015
Allowance for loan losses:
December 31, 2014		$	1,204				949				1,753				638				49				179				152				4,924
Charge-offs			-				(16	)			-				(16	)			-				-				-				(32	)
Recoveries			35				-				49				11				-				5				-				100
Provisions (credits)			731				(193	)			(775	)			44				437				(61	)			67				250
December 31, 2015		$	1,970				740				1,027				677				486				123				219				5,242

(In thousands)		Commercial Real Estate				Residential Real Estate				Commercial and Industrial				Consumer and Other				Construction				Construction to Permanent [CRE]				Unallocated				Total
December 31, 2017
Allowance for loan losses:
Individually evaluated  for impairment		$	-				-				251				2				-				-				-				253
Collectively evaluated  for impairment			2,212				959				1,772				566				481				54				-				6,044
Total allowance for loan losses		$	2,212				959				2,023				568				481				54				-				6,297
Loans receivable, gross:
Individually evaluated  for impairment		$	1,977				3,336				748				692				-				-				-				6,753
Collectively evaluated  for impairment			297,948				143,041				130,413				87,015				47,619				6,858				-				712,894
Total loans receivable, gross		$	299,925				146,377				131,161				87,707				47,619				6,858				-				719,647

(In thousands)		Commercial Real Estate				Residential Real Estate				Commercial and Industrial				Consumer and Other				Construction				Construction to Permanent [CRE]				Unallocated				Total
December 31, 2016
Allowance for loan losses:
Individually evaluated  for impairment		$	-				-				231				-				-				-				-				231
Collectively evaluated  for impairment			1,853				534				509				641				712				69				126				4,444
Total allowance for loan losses		$	1,853				534				740				641				712				69				126				4,675
Loans receivable, gross:
Individually evaluated  for impairment		$	6,267				1,911				231				542				-				-				-				8,951
Collectively evaluated  for impairment			264,962				84,603				60,746				100,907				53,895				7,593				-				572,706
Total loans receivable, gross		$	271,229				86,514				60,977				101,449				53,895				7,593				-				581,657

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

(In thousands)		Non-accruing Loans
		30 - 59 Days Past Due				60 - 89 Days Past Due				90 Days or Greater Past Due				Total Past Due				Current				Total Non-accruing Loans
As of December 31, 2017:
Loan portfolio segment:
Residential Real Estate:
Sub-standard		$	-				-				3,028				3,028				-				3,028
Commercial and Industrial:
Sub-standard			-				-				748				748				-				748
Consumer and Other
Sub-standard			-				-				2				2				-				2
Total non-accruing loans		$	-				-				3,778				3,778				-				3,778
As of December 31, 2016:
Loan portfolio segment:
Residential Real Estate:
Sub-standard		$	-				-				1,590				1,590				-				1,590
Commercial and Industrial:
Sub-standard			-				-				231				231				-				231
Total non-accruing loans		$	-				-				1,821				1,821				-				1,821

Past Due Financing Receivables [Table Text Block]

(In thousands)		Performing (Accruing) Loans
As of December 31, 2017:		30 - 59 Days Past Due				60 - 89 Days Past Due				90 Days or Greater Past Due				Total				Current				Total Performing Loans				Non-accruing Loans				Loans Receivable Gross
Loan portfolio segment:
Commercial Real Estate:
Pass		$	-				-				-				-				286,428				286,428				-				286,428
Special Mention			-				1,121				-				1,121				9,317				10,438				-				10,438
Substandard			-				1,688				-				1,688				1,371				3,059				-				3,059
			-				2,809				-				2,809				297,116				299,925				-				299,925
Residential Real Estate:
Pass			1,068				255				-				1,323				140,497				141,820				-				141,820
Special Mention			-				1,529				-				1,529				-				1,529				-				1,529
Substandard			-				-				-				-				-				-				3,028				3,028
			1,068				1,784				-				2,852				140,497				143,349				3,028				146,377
Commercial and Industrial:
Pass			-				2,000				375				2,375				127,057				129,432				-				129,432
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				981				981				-				981				748				1,729
			-				2,000				1,356				3,356				127,057				130,413				748				131,161
Consumer and Other:
Pass			498				-				-				498				87,207				87,705				-				87,705
Substandard			-				-				-				-				-				-				2				2
			498				-				-				498				87,207				87,705				2				87,707
Construction:
Pass			-				-				-				-				47,619				47,619				-				47,619
Construction to permanent - CRE:
Pass			-				-				-				-				6,858				6,858				-				6,858
Total		$	1,566				6,593				1,356				9,515				706,354				715,869				3,778				719,647
Loans receivable, gross:
Pass		$	1,566				2,255				375				4,196				695,666				699,862				-				699,862
Special Mention			-				2,650				-				2,650				9,317				11,967				-				11,967
Substandard			-				1,688				981				2,669				1,371				4,040				3,778				7,818
Loans receivable, gross		$	1,566				6,593				1,356				9,515				706,354				715,869				3,778				719,647

(In thousands)		Performing (Accruing) Loans
As of December 31, 2016:		30 - 59 Days Past Due				60 - 89 Days Past Due				90 Days or Greater Past Due				Total				Current				Total Performing Loans				Non-accruing Loans				Loans Receivable Gross
Loan portfolio segment:
Commercial Real Estate:
Pass		$	-				-				-				-				265,246				265,246				-				265,246
Special Mention			-				-				-				-				4,531				4,531				-				4,531
Substandard			-				-				-				-				1,452				1,452				-				1,452
			-				-				-				-				271,229				271,229				-				271,229
Residential Real Estate:
Pass			131				9				1,449				1,589				83,335				84,924				-				84,924
Substandard			-				-				-				-				-				-				1,590				1,590
			131				9				1,449				1,589				83,335				84,924				1,590				86,514
Commercial and Industrial:
Pass			47				4				-				51				60,692				60,743				-				60,743
Substandard			-				-				-				-				3				3				231				234
			47				4				-				51				60,695				60,746				231				60,977
Consumer and Other:
Pass			75				-				3				78				101,371				101,449				-				101,449
Construction:
Pass			-				-				-				-				53,895				53,895				-				53,895
Construction to permanent - CRE:
Pass			-				-				-				-				7,593				7,593				-				7,593
Total		$	253				13				1,452				1,718				578,118				579,836				1,821				581,657
Loans receivable, gross:
Pass		$	253				13				1,452				1,718				572,132				573,850				-				573,850
Special Mention			-				-				-				-				4,531				4,531				-				4,531
Substandard			-				-				-				-				1,455				1,455				1,821				3,276
Loans receivable, gross		$	253				13				1,452				1,718				578,118				579,836				1,821				581,657

Impaired Financing Receivables [Table Text Block]

(In thousands)
		Balance as of December 31,
		2017												2016
		Recorded Investment				Principal Outstanding				Related Allowance				Recorded Investment				Principal Outstanding				Related Allowance
With no related allowance recorded:
Commercial Real Estate		$	1,977				2,425				-				6,267				6,721				-
Residential Real Estate			3,336				3,369				-				1,911				2,915				-
Commercial and Industrial			497				683				-				-				-				-
Consumer and Other			690				818				-				542				631				-
			6,500				7,295				-				8,720				10,267				-
With a related allowance recorded:
Commercial Real Estate			-				-				-				-				-				-
Residential Real Estate			-				-				-				-				-				-
Commercial and Industrial			251				251				251				231				231				231
Consumer and Other			2				2				2				-				-				-
			253				253				253				231				231				231
Impaired Loans, Total:
Commercial Real Estate			1,977				2,425				-				6,267				6,721				-
Residential Real Estate			3,336				3,369				-				1,911				2,915				-
Commercial and Industrial			748				934				251				231				231				231
Consumer and Other			692				820				2				542				631				-
Impaired Loans, Total		$	6,753				7,548				253				8,951				10,498				231

(In thousands)		Year ended December 31,
		2017								2016								2015
		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
With no related allowance recorded:
Commercial Real Estate		$	5,832				102				6,929				312				8,001				373
Residential Real Estate			2,016				11				4,318				9				3,512				126
Commercial and Industrial			197				-				265				-				-				-
Consumer and Other			593				22				544				19				550				18
			8,638				135				12,056				340				12,063				517
With a related allowance recorded:
Commercial Real Estate			-				-				65				-				-				-
Residential Real Estate			-				-				-				-				-				-
Commercial and Industrial			243				-				2,138				-				-				-
Consumer and Other			-				-				2				-				3				-
			243				-				2,205				-				3				-
Impaired Loans, Total:
Commercial Real Estate			5,832				102				6,994				312				8,001				373
Residential Real Estate			2,016				11				4,318				9				3,512				126
Commercial and Industrial			440				-				2,403				-				-				-
Consumer and Other			593				22				546				19				553				18
Impaired Loans, Total		$	8,881				135				14,261				340				12,066				517

X

- Definition

Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953423-111524

+ Details

Name:	us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of impaired financing receivables.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=84173941&loc=d3e5212-111524

+ Details

Name:	us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=84173941&loc=d3e5111-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7A
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953401-111524

+ Details

Name:	us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.3,4)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

+ Details

Name:	us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=84173941&loc=d3e5111-111524

+ Details

Name:	us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- References

No definition available.

+ Details

Name:	us-gaap_TableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration