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

6 Months Ended

Jun. 30, 2020

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

	June 30,			December 31,
(In thousands)	2020			2019
Loan portfolio segment:
Commercial Real Estate	$	302,150		$	314,414
Residential Real Estate		168,482			175,489
Commercial and Industrial		163,603			173,875
Consumer and Other		88,325			85,934
Construction		56,928			48,388
Construction to Permanent - CRE		13,012			14,064
Loans receivable, gross		792,500			812,164
Allowance for loan and lease losses		(11,148	)		(10,115	)
Loans receivable, net	$	781,352		$	802,049

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

(In thousands)	Three Months Ended June 30,					Six Months Ended June 30,
	2020		2019			2020			2019
Accretable discount, beginning of period	$	-	$	(194	)	$	(47	)	$	(792	)
Accretion		-		9			2			34
Other changes, net		-		(16	)		45			557
Accretable discount, end of period	$	-	$	(201	)	$	-		$	(201	)

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 June 30, 2020
Allowance for loan and lease losses:
March 31, 2020	$	4,150	$	1,120		$	4,390		$	534		$	603	$	119		$	-	$	10,916
Charge-offs		-		(12	)		(679	)		-			-		-			-		(691	)
Recoveries		-		-			11			2			-		-			-		13
Provisions (credits)		124		802			(196	)		(2	)		63		30			89		910
June 30, 2020	$	4,274	$	1,910		$	3,526		$	534		$	666	$	149		$	89	$	11,148

Three months ended June 30, 2019
Allowance for loan and lease losses:
March 31, 2019	$	1,862	$	1,389		$	3,490		$	592		$	355	$	123		$	12	$	7,823
Charge-offs		-		(12	)		(2,292	)		(3	)		-		-			-		(2,307	)
Recoveries		2		-			-			3			-		-			-		5
Provisions (credits)		114		(441	)		3,010			72			112		(18	)		88		2,937
June 30, 2019	$	1,978	$	936		$	4,208		$	664		$	467	$	105		$	100	$	8,458

(In thousands)	Commercial Real Estate		Residential Real Estate			Commercial and Industrial			Consumer and Other			Construction		Construction to Permanent - CRE			Unallocated		Total
Six months ended June 30, 2020
Allowance for loan and lease losses:
December 31, 2019	$	3,789	$	1,038		$	4,340		$	341		$	477	$	130		$	-	$	10,115
Charge-offs		-		(13	)		(683	)		(39	)		-		-			-		(735	)
Recoveries		-		-			51			3			-		-			-		54
Provisions (credits)		485		885			(182	)		229			189		19			89		1,714
June 30, 2020	$	4,274	$	1,910		$	3,526		$	534		$	666	$	149		$	89	$	11,148

Six months ended June 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		-		(12	)		(2,292	)		(3	)		-		-			-		(2,307	)
Recoveries		2		-			47			5			-		-			-		54
Provisions (credits)		110		(111	)		2,895			21			117		(3	)		73		3,102
June 30, 2019	$	1,978	$	936		$	4,208		$	664		$	467	$	105		$	100	$	8,458

(In thousands)	Commercial Real Estate		Residential Real Estate		Commercial and Industrial		Consumer and Other		Construction		Construction to Permanent - CRE		Unallocated		Total
June 30, 2020
Allowance for loan and lease losses:
Individually evaluated for impairment	$	1,615	$	4	$	-	$	8	$	-	$	-	$	-	$	1,627
Collectively evaluated for impairment		2,659		1,906		3,526		526		666		149		89		9,521
Total allowance for loan and lease losses	$	4,274	$	1,910	$	3,526	$	534	$	666	$	149	$	89	$	11,148

Loans receivable, gross:
Individually evaluated for impairment	$	16,093	$	3,733	$	1,724	$	1,651	$	-	$	-	$	-	$	23,201
Collectively evaluated for impairment		286,057		164,749		161,879		86,674		56,928		13,012		-		769,299
Total loans receivable, gross	$	302,150	$	168,482	$	163,603	$	88,325	$	56,928	$	13,012	$	-	$	792,500

(In thousands)	Commercial Real Estate		Residential Real Estate		Commercial and Industrial		Consumer and Other		Construction		Construction to Permanent - CRE		Unallocated		Total
December 31, 2019
Allowance for loan and lease losses:
Individually evaluated for impairment	$	1,496	$	-	$	-	$	-	$	-	$	-	$	-	$	1,496
Collectively evaluated for impairment		2,293		1,038		4,340		341		477		130		-		8,619
Total allowance for loan losses	$	3,789	$	1,038	$	4,340	$	341	$	477	$	130	$	-	$	10,115

Loans receivable, gross:
Individually evaluated for impairment	$	13,034	$	3,621	$	2,057	$	916	$	-	$	-	$	-	$	19,628
PCI loans individually evaluated for impairment		-		-		176		-		-		-		-		176
Collectively evaluated for impairment		301,380		171,868		171,642		85,018		48,388		14,064		-		792,360
Total loans receivable, gross	$	314,414	$	175,489	$	173,875	$	85,934	$	48,388	$	14,064	$	-	$	812,164

Financing Receivable, Past Due [Table Text Block]

(In thousands)	Performing (Accruing) Loans
As of June 30, 2020:	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	$	860	$	-	$	858	$	1,718	$	280,383	$	282,101	$	-	$	282,101
Special mention		-		-		-		-		381		381		-		381
Substandard		-		-		-		-		4,649		4,649		15,019		19,668
		860		-		858		1,718		285,413		287,131		15,019		302,150
Residential Real Estate:
Pass		632		554		-		1,186		163,697		164,883		-		164,883
Special mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		252		252		3,347		3,599
		632		554		-		1,186		163,949		165,135		3,347		168,482
Commercial and Industrial:
Pass		101		-		-		101		147,093		147,194		-		147,194
Special mention		-		-		-		-		444		444		-		444
Substandard		764		-		-		764		13,476		14,240		1,725		15,965
		865		-		-		865		161,013		161,878		1,725		163,603
Consumer and Other:
Pass		10		3		5		18		86,684		86,702		-		86,702
Substandard		-		-		-		-		121		121		1,502		1,623
		10		3		5		18		86,805		86,823		1,502		88,325
Construction:
Pass		-		-		-		-		56,928		56,928		-		56,928
		-		-		-		-		56,928		56,928		-		56,928
Construction to Permanent - CRE:
Pass		-		-		-		-		13,012		13,012		-		13,012
		-		-		-		-		13,012		13,012		-		13,012

Total	$	2,367	$	557	$	863	$	3,787	$	767,120	$	770,907	$	21,593	$	792,500

Loans receivable, gross:
Pass	$	1,603	$	557	$	863	$	3,023	$	747,797	$	750,820	$	-	$	750,820
Special mention		-		-		-		-		825		825		-		825
Substandard		764		-		-		764		18,498		19,262		21,593		40,855
Loans receivable, gross	$	2,367	$	557	$	863	$	3,787	$	767,120	$	770,907	$	21,593	$	792,500

(In thousands)	Performing (Accruing) Loans
As of December 31, 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	$	-	$	-	$	-	$	-	$	295,982	$	295,982	$	-	$	295,982
Special mention		-		-		-		-		385		385		-		385
Substandard		-		-		-		-		6,086		6,086		11,961		18,047
		-		-		-		-		302,453		302,453		11,961		314,414
Residential Real Estate:
Pass		658		-		-		658		169,903		170,561		-		170,561
Special mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		1,700		1,700		3,228		4,928
		658		-		-		658		171,603		172,261		3,228		175,489
Commercial and Industrial:
Pass		327		350		-		677		162,711		163,388		-		163,388
Special mention		279		-		-		279		172		451		-		451
Substandard		-		-		-		-		7,942		7,942		2,094		10,036
		606		350		-		956		170,825		171,781		2,094		173,875
Consumer and Other:
Pass		2,805		3		19		2,827		82,341		85,168		-		85,168
Substandard		-		-		-		-		-		-		766		766
		2,805		3		19		2,827		82,341		85,168		766		85,934
Construction:
Pass		-		-		-		-		48,388		48,388		-		48,388
		-		-		-		-		48,388		48,388		-		48,388
Construction to Permanent - CRE:
Pass		-		-		-		-		14,064		14,064		-		14,064
		-		-		-		-		14,064		14,064		-		14,064

Total	$	4,069	$	353	$	19	$	4,441	$	789,674	$	794,115	$	18,049	$	812,164

Loans receivable, gross:
Pass	$	3,790	$	353	$	19	$	4,162	$	773,389	$	777,551	$	-	$	777,551
Special mention		279		-		-		279		557		836		-		836
Substandard		-		-		-		-		15,728		15,728		18,049		33,777
Loans receivable, gross	$	4,069	$	353	$	19	$	4,441	$	789,674	$	794,115	$	18,049	$	812,164

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 June 30, 2020:
Loan portfolio segment:
Commercial Real Estate:
Substandard	$	-	$	-	$	6,208	$	6,208	$	8,811	$	15,019
Residential Real Estate:
Substandard		778		25		1,952		2,755		592		3,347
Commercial and Industrial:
Substandard		-		-		1,725		1,725		-		1,725
Consumer and Other:
Substandard		-		495		79		574		928		1,502
Total non-accruing loans	$	778	$	520	$	9,964	$	11,262	$	10,331	$	21,593

As of December 31, 2019:
Loan portfolio segment:
Commercial Real Estate:
Substandard	$	-	$	-	$	1,636	$	1,636	$	10,325	$	11,961
Residential Real Estate:
Substandard		-		-		1,872		1,872		1,356		3,228
Commercial and Industrial:
Substandard		-		-		1,724		1,724		370		2,094
Consumer and Other:
Substandard		-		-		149		149		617		766
Total non-accruing loans	$	-	$	-	$	5,381	$	5,381	$	12,668	$	18,049

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

(In thousands)	June 30, 2020					December 31, 2019
Loan portfolio segment:	Number of Loans		Recorded Investment			Number of Loans		Recorded Investment
Commercial Real Estate		2	$	9,884			2	$	9,873
Residential Real Estate		3		442			2		393
Consumer and Other		4		794			2		687
Total TDR Loans		9		11,120			6		10,953
Less:
TDRs included in non-accrual loans		3		(9,391	)		2		(9,337	)
Total accrual TDR Loans		6	$	1,729			4	$	1,616

					Outstanding Recorded Investment
(In thousands)	Number of Loans				Pre-Modification				Post-Modification
Three Months Ended June 30,	2020		2019		2020		2019		2020		2019
Loan portfolio segment:
Commercial Real Estate		1		1	$	57	$	112	$	56	$	111
Consumer and Other		2		-		121		-		121		-

Total TDR Loans		3		1	$	178	$	112	$	177	$	111

					Outstanding Recorded Investment
(In thousands)	Number of Loans				Pre-Modification				Post-Modification
Six Months Ended June 30,	2020		2019		2020		2019		2020		2019
Loan portfolio segment:
Commercial Real Estate		1		2	$	57	$	8,912	$	56	$	8,911
Consumer and Other		2		-		121		-		121		-

Total TDR Loans		3		2	$	178	$	8,912	$	177	$	8,911

	Three Months Ended June 30,				Six Months Ended June 30,
(In thousands)	2020		2019		2020		2019

Rate reduction	$	56	$	111	$	56	$	111
Extension of interest only period		121		-		121		-
Maturity and rate reduction		-		-		-		8,800
Total	$	177	$	111	$	177	$	8,911

Impaired Financing Receivables [Table Text Block]

(In thousands)	June 30, 2020						December 31, 2019
	Recorded Investment		Principal Outstanding		Related Allowance		Recorded Investment		Principal Outstanding		Related Allowance
With no related allowance recorded:
Commercial Real Estate	$	7,063	$	7,069	$	-	$	4,234	$	4,309	$	-
Residential Real Estate		3,624		3,664		-		3,621		3,623		-
Commercial and Industrial		1,724		1,724		-		2,057		2,060		-
Consumer and Other		1,502		1,642		-		916		1,000		-
		13,913		14,099		-		10,828		10,992		-
With a related allowance recorded:
Commercial Real Estate	$	9,030	$	9,030	$	1,615		8,800		8,800		1,496
Residential Real Estate		109		110		4		-		-		-
Consumer and Other		149		149		8		-		-		-
		9,288		9,289		1,627		8,800		8,800		1,496

Impaired Loans, Total:
Commercial Real Estate		16,093		16,099		1,615		13,034		13,109		1,496
Residential Real Estate		3,733		3,774		4		3,621		3,623		-
Commercial and Industrial		1,724		1,724		-		2,057		2,060		-
Consumer and Other		1,651		1,791		8		916		1,000		-
Impaired Loans, Total	$	23,201	$	23,388	$	1,627	$	19,628	$	19,792	$	1,496

	Three Months Ended June 30,								Six Months Ended June 30,
(In thousands)	2020				2019				2020				2019
	Average Recorded Investment		Interest Income Recognized		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	$	6,256	$	13	$	10,490	$	120	$	5,170	$	26	$	7,956	$	186
Residential Real Estate		3,565		13		2,271		41		3,585		33		1,584		98
Commercial and Industrial		1,985		2		1,854		38		2,031		2		1,275		87
Consumer and Other		1,152		9		890		13		1,049		17		866		24
Construction		-		-		6,600		-		-		-		7,543		150
		12,958		37		22,105		212		11,835		78		19,224		545
With a related allowance recorded:
Commercial Real Estate	$	8,866	$	34		215		-	$	8,841	$	35		393		-
Residential Real Estate		55		1		1,505		-		31		3		1,767		-
Commercial and Industrial		-		-		2,459		-		-		-		3,183		-
Consumer and Other		88		1		37		-		51		2		33		-
		9,009		36		4,216		-		8,923		40		5,376		-
Impaired Loans, Total:
Commercial Real Estate		15,122		47		10,705		120		14,011		61		8,349		186
Residential Real Estate		3,620		14		3,776		41		3,616		36		3,351		98
Commercial and Industrial		1,985		2		4,313		38		2,031		2		4,458		87
Consumer and Other		1,240		10		927		13		1,100		19		899		24
Construction		-		-		6,600		-		-		-		7,543		150
Impaired Loans, Total	$	21,967	$	73	$	26,321	$	212	$	20,758	$	118	$	24,600	$	545