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

9 Months Ended

Sep. 30, 2019

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

(In thousands)	September 30, 2019			December 31, 2018
Loan portfolio segment:
Commercial Real Estate	$	299,605		$	274,938
Residential Real Estate		163,546			157,300
Commercial and Industrial		186,795			191,852
Consumer and Other		93,467			94,569
Construction		44,349			46,040
Construction to Permanent - CRE		12,552			15,677
Loans receivable, gross		800,314			780,376
Allowance for loan and lease losses		(8,405	)		(7,609	)
Loans receivable, net	$	791,909		$	772,767

Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Table Text Block]

(In thousands)	For the three Months Ended September 30, 2019			For the Nine Months Ended September 30, 2019

Accretable discount, beginning of period	$	(201	)	$	(792	)
Accretion		9			43
Other changes, net		141			698
Accretable discount, end of period	$	(51	)	$	(51	)

Financing Receivable, Allowance for Credit Loss [Table Text Block]

(In thousands)	Commercial Real Estate			Residential Real Estate			Commercial and Industrial			Consumer and Other			Construction			Construction to Permanent - CRE		Unallocated			Total
Three months ended September 30, 2019
Allowance for loan and lease losses:
June 30, 2019	$	1,978		$	936		$	4,208		$	664		$	467		$	105	$	100		$	8,458
Charge-offs		-			(105	)		(74	)		(103	)		-			-		-			(282	)
Recoveries		-			9			117			3			-			-		-			129
Provisions (credits)		111			125			104			(196	)		(19	)		10		(35	)		100
September 30, 2019	$	2,089		$	965		$	4,355		$	368		$	448		$	115	$	65		$	8,405

Three months ended September 30, 2018
Allowance for loan and lease losses:
June 30, 2018	$	2,305		$	1,096		$	1,996		$	523		$	499		$	80	$	26		$	6,525
Charge-offs		-			(2	)		-			(3	)		-			-		-			(5	)
Recoveries		24			11			-			-			-			-		-			35
Provisions (credits)		(566	)		(240	)		245			150			181			20		260			50
September 30, 2018	$	1,763		$	865		$	2,241		$	670		$	680		$	100	$	286		$	6,605

(In thousands)	Commercial Real Estate			Residential Real Estate			Commercial and Industrial			Consumer and Other			Construction		Construction to Permanent - CRE		Unallocated		Total
Nine months ended September 30, 2019
Allowance for loan and lease losses:
December 31, 2018	$	1,866		$	1,059		$	3,558		$	641		$	350	$	108	$	27	$	7,609
Charge-offs		-			(117	)		(2,366	)		(106	)		-		-		-		(2,589	)
Recoveries		2			9			164			8			-		-		-		183
Provisions (credits)		221			14			2,999			(175	)		98		7		38		3,202
September 30, 2019	$	2,089		$	965		$	4,355		$	368		$	448	$	115	$	65	$	8,405

Nine months ended September 30, 2018
Allowance for loan and lease losses:
December 31, 2017	$	2,212		$	959		$	2,023		$	568		$	481	$	54	$	-	$	6,297
Charge-offs		-			(2	)		-			(17	)		-		-		-		(19	)
Recoveries		30			12			-			-			-		-		-		42
Provisions (credits)		(479	)		(104	)		218			119			199		46		286		285
September 30, 2018	$	1,763		$	865		$	2,241		$	670		$	680	$	100	$	286	$	6,605

(In thousands)	Commercial Real Estate		Residential Real Estate		Commercial and Industrial		Consumer and Other		Construction		Construction to Permanent - CRE		Unallocated		Total
September 30, 2019
Allowance for loan and lease losses:
Individually evaluated for impairment	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Collectively evaluated for impairment		2,089		965		4,355		368		448		115		65		8,405
Total allowance for loan losses	$	2,089	$	965	$	4,355	$	368	$	448	$	115	$	65	$	8,405

Loans receivable, gross:
Individually evaluated for impairment	$	13,989	$	3,640	$	2,222	$	916	$	-	$	-	$	-	$	20,767
PCI loans individually evaluated for impairment		-		-		182		-		-		-		-		182
Collectively evaluated for impairment		285,616		159,906		184,391		92,551		44,349		12,552		-		779,365
Total loans receivable, gross	$	299,605	$	163,546	$	186,795	$	93,467	$	44,349	$	12,552	$	-	$	800,314

(In thousands)	Commercial Real Estate		Residential Real Estate		Commercial and Industrial		Consumer and Other		Construction		Construction to Permanent - CRE		Unallocated		Total
December 31, 2018
Allowance for loan and lease losses:
Individually evaluated for impairment	$	-	$	216	$	1,299	$	30	$	-	$	-	$	-	$	1,545
Collectively evaluated for impairment		1,866		843		2,259		611		350		108		27		6,064
Total allowance for loan losses	$	1,866	$	1,059	$	3,558	$	641	$	350	$	108	$	27	$	7,609

Loans receivable, gross:
Individually evaluated for impairment	$	4,606	$	2,302	$	4,646	$	864	$	8,800	$	-	$	-	$	21,218
PCI loans individually evaluated for impairment		-		-		615		-		-		-		-		615
Collectively evaluated for impairment		270,332		154,998		186,591		93,705		37,240		15,677		-		758,543
Total loans receivable, gross	$	274,938	$	157,300	$	191,852	$	94,569	$	46,040	$	15,677	$	-	$	780,376

Financing Receivable, Past Due [Table Text Block]

(In thousands)	Performing (Accruing) Loans
As of September 30, 2019:	30 - 59 Days Past Due		60 - 89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Current		Total Performing Loans		Non- accruing Loans		Loans Receivable Gross
Loan portfolio segment:
Commercial Real Estate:
Pass	$	-	$	-	$	-	$	-	$	279,713	$	279,713	$	-	$	279,713
Special mention		-		-		-		-		797		797		-		797
Substandard		367		-		-		367		5,812		6,179		12,916		19,095
		367		-		-		367		286,322		286,689		12,916		299,605
Residential Real Estate:
Pass		698		-		-		698		157,777		158,475		-		158,475
Special mention		-		-		-		-		-		-		-		-
Substandard		1,456		-		-		1,456		372		1,828		3,243		5,071
		2,154		-		-		2,154		158,149		160,303		3,243		163,546
Commercial and Industrial:
Pass		448		23		-		471		174,414		174,885		-		174,885
Special mention		-		-		-		-		1,144		1,144		-		1,144
Substandard		646		-		-		646		7,861		8,507		2,259		10,766
		1,094		23		-		1,117		183,419		184,536		2,259		186,795
Consumer and Other:
Pass		21		-		7		28		92,674		92,702		-		92,702
Substandard		-		-		-		-		-		-		765		765
		21		-		7		28		92,674		92,702		765		93,467
Construction:
Pass		-		-		-		-		44,349		44,349		-		44,349
		-		-		-		-		44,349		44,349		-		44,349
Construction to Permanent - CRE:
Pass		-		-		-		-		12,552		12,552		-		12,552
		-		-		-		-		12,552		12,552		-		12,552

Total	$	3,636	$	23	$	7	$	3,666	$	777,465	$	781,131	$	19,183	$	800,314

Loans receivable, gross:
Pass	$	1,167	$	23	$	7	$	1,197	$	761,479	$	762,676	$	-	$	762,676
Special mention		-		-		-		-		1,941		1,941		-		1,941
Substandard		2,469		-		-		2,469		14,045		16,514		19,183		35,697
Loans receivable, gross	$	3,636	$	23	$	7	$	3,666	$	777,465	$	781,131	$	19,183	$	800,314

(In thousands)	Performing (Accruing) Loans
As of December 31, 2018:	30 - 59 Days Past Due		60 - 89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Current		Total Performing Loans		Non- accruing Loans		Loans Receivable Gross
Loan portfolio segment:
Commercial Real Estate:
Pass	$	423	$	-	$	-	$	423	$	262,435	$	262,858	$	-	$	262,858
Special mention		-		-		958		958		2,673		3,631		-		3,631
Substandard		170		-		-		170		4,754		4,924		3,525		8,449
		593		-		958		1,551		269,862		271,413		3,525		274,938
Residential Real Estate:
Pass		637		817		-		1,454		151,509		152,963		-		152,963
Special mention		-		-		-		-		850		850		-		850
Substandard		-		-		-		-		1,481		1,481		2,006		3,487
		637		817		-		1,454		153,840		155,294		2,006		157,300
Commercial and Industrial:
Pass		150		853		234		1,237		180,293		181,530		-		181,530
Special mention		-		-		101		101		2,378		2,479		-		2,479
Substandard		-		-		-		-		3,162		3,162		4,681		7,843
		150		853		335		1,338		185,833		187,171		4,681		191,852
Consumer and Other:
Pass		20		-		23		43		94,352		94,395		-		94,395
Substandard		-		-		-		-		-		-		174		174
		20		-		23		43		94,352		94,395		174		94,569
Construction:
Pass		-		1,000		-		1,000		36,240		37,240		-		37,240
Substandard		-		-		-		-		-		-		8,800		8,800
		-		1,000		-		1,000		36,240		37,240		8,800		46,040
Construction to Permanent - CRE:
Pass		-		-		-		-		15,677		15,677		-		15,677
		-		-		-		-		15,677		15,677		-		15,677

Total	$	1,400	$	2,670	$	1,316	$	5,386	$	755,804	$	761,190	$	19,186	$	780,376

Loans receivable, gross:
Pass	$	1,230	$	2,670	$	257	$	4,157	$	740,506	$	744,663	$	-	$	744,663
Special mention		-		-		1,059		1,059		5,901		6,960		-		6,960
Substandard		170		-		-		170		9,397		9,567		19,186		28,753
Loans receivable, gross	$	1,400	$	2,670	$	1,316	$	5,386	$	755,804	$	761,190	$	19,186	$	780,376

Financing Receivable, Nonaccrual [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 September 30, 2019:
Loan portfolio segment:
Commercial Real Estate:
Substandard	$	1,548	$	537	$	2,031	$	4,116	$	8,800	$	12,916
Residential Real Estate:
Substandard		-		60		1,818		1,878		1,365		3,243
Commercial and Industrial:
Substandard		-		31		2,228		2,259		-		2,259
Consumer and Other:
Substandard		33		-		117		150		615		765
Construction:
Substandard		-		-		-		-		-		-
Total non-accruing loans	$	1,581	$	628	$	6,194	$	8,403	$	10,780	$	19,183

As of December 31, 2018:
Loan portfolio segment:
Commercial Real Estate:
Substandard	$	1,580	$	-	$	1,945	$	3,525	$	-	$	3,525
Residential Real Estate:
Substandard		-		-		2,006		2,006		-		2,006
Commercial and Industrial:
Substandard		-		15		3,941		3,956		725		4,681
Consumer and Other:
Substandard		-		86		11		97		77		174
Construction:
Substandard		-		-		8,800		8,800		-		8,800
Total non-accruing loans	$	1,580	$	101	$	16,703	$	18,384	$	802	$	19,186

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

(In thousands)	September 30, 2019				December 31, 2018
Loan portfolio segment:	Number of Contracts	Recorded Investment			Number of Contracts	Recorded Investment
Commercial Real Estate	3	$	9,984		1	$	1,081
Residential Real Estate	1		286		1		296
Consumer and Other	2		688		2		689
Total TDR Loans	6		10,958		4		2,066
Less:
TDRs included in non-accrual loans	2		(9,338	)	-		-
Total accrual TDR Loans	4	$	1,620		4	$	2,066

					Outstanding Recorded Investment
(In thousands)	Number of Loans				Pre-Modification				Post-Modification
Nine Months Ended September 30,	2019		2018		2019		2018		2019		2018
Loan portfolio segment:
Commercial Real Estate		2		-	$	8,912	$	-	$	8,911	$	-
Total TDR Loans		2		-	$	8,912	$	-	$	8,911	$	-

	Three Months Ended September 30,				Nine Months Ended September 30,
(In thousands)	2019		2018		2019		2018

Rate reduction	$	-	$	-	$	111	$	-
Maturity and rate reduction		-		-		8,800		-
Total	$	-	$	-	$	8,911	$	-

Impaired Financing Receivables [Table Text Block]

(In thousands)	September 30, 2019						December 31, 2018
	Recorded Investment		Principal Outstanding		Related Allowance		Recorded Investment		Principal Outstanding		Related Allowance
With no related allowance recorded:
Commercial Real Estate	$	13,989	$	14,057	$	-	$	4,606	$	5,109	$	-
Residential Real Estate		3,640		3,640		-		670		703		-
Commercial and Industrial		2,222		2,228		-		488		1,281		-
Consumer and Other		916		975		-		827		867		-
Construction		-		-		-		8,800		8,839		-
		20,767		20,900		-		15,391		16,799		-

With a related allowance recorded:
Residential Real Estate		-		-		-		1,632		1,632		216
Commercial and Industrial		-		-		-		4,158		4,208		1,299
Consumer and Other		-		-		-		37		37		30
		-		-		-		5,827		5,877		1,545

Impaired Loans, Total:
Commercial Real Estate		13,989		14,057		-		4,606		5,109		-
Residential Real Estate		3,640		3,640		-		2,302		2,335		216
Commercial and Industrial		2,222		2,228		-		4,646		5,489		1,299
Consumer and Other		916		975		-		864		904		30
Construction		-		-		-		8,800		8,839		-
Impaired Loans, Total	$	20,767	$	20,900	$	-	$	21,218	$	22,676	$	1,545

(In thousands)	Three Months Ended September 30,
	2019				2018
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial Real Estate	$	13,579	$	164	$	4,062	$	21
Residential Real Estate		3,696		37		3,523		3
Commercial and Industrial		2,656		39		1,018		-
Consumer and Other		978		12		771		8
		20,909		252		9,374		32
With a related allowance recorded:
Commercial and Industrial		-		-		45		-
Consumer and Other		-		-		5		-
		-		-		50		-
Impaired Loans, Total:
Commercial Real Estate		13,579		164		4,062		21
Residential Real Estate		3,696		37		3,523		3
Commercial and Industrial		2,656		39		1,063		-
Consumer and Other		978		12		776		8
Impaired Loans, Total	$	20,909	$	252	$	9,424	$	32

(In thousands)	Nine Months Ended September 30,
	2019				2018
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial Real Estate	$	9,654	$	324	$	3,157	$	70
Residential Real Estate		2,202		28		3,451		8
Commercial and Industrial		1,684		99		948		-
Consumer and Other		897		108		739		23
Construction		5,280		150		-		-
		19,717		709		8,295		101
With a related allowance recorded:
Commercial Real Estate		275		-		-		-
Residential Real Estate		1,237		-		-		-
Commercial and Industrial		2,228		-		185		-
Consumer and Other		23		-		4		-
		3,763		-		189		-
Impaired Loans, Total:
Commercial Real Estate		9,929		324		3,157		70
Residential Real Estate		3,439		28		3,451		8
Commercial and Industrial		3,912		99		1,133		-
Consumer and Other		920		108		743		23
Construction		5,280		150		-		-
Impaired Loans, Total	$	23,480	$	709	$	8,484	$	101