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v3.20.1

Loan and Allowance for Loan Losses (Tables) | 3 Months Ended
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Mar. 31, 2020
Loans And Leases Receivable Disclosure [Abstract] |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
|  |  |  |  |  |  | March 31, |  |  | December 31,
(In thousands) |  |  | 2020 |  |  | 2019
Commercial and industrial |  | $ | 56,447 |  | $ | 56,782
Construction and land development |  |  | 32,302 |  |  | 32,841
Commercial real estate: |  |  |  |  |  |
| Owner occupied |  |  | 48,705 |  |  | 48,860
| Hotel/Motel |  |  | 43,249 |  |  | 43,719
| Multi-family |  |  | 33,190 |  |  | 44,839
| Other |  |  | 130,955 |  |  | 132,900
|  | Total commercial real estate |  |  | 256,099 |  |  | 270,318
Residential real estate: |  |  |  |  |  |
| Consumer mortgage |  |  | 45,548 |  |  | 48,923
| Investment property |  |  | 45,462 |  |  | 43,652
|  | Total residential real estate |  |  | 91,010 |  |  | 92,575
Consumer installment |  |  | 8,424 |  |  | 8,866
|  | Total loans |  |  | 444,282 |  |  | 461,382
Less: unearned income |  |  | (414) |  |  | (481)
|  | Loans, net of unearned income |  | $ | 443,868 |  | $ | 460,901
Past Due Financing Receivables [Table Text Block] |
|  |  |  |  |  |  |  |  | Accruing | Accruing | Total |  |  |  |
|  |  |  |  |  |  |  |  | 30-89 Days | Greater than | Accruing | Non- |  |  | Total
(In thousands) |  | Current | Past Due | 90 days | Loans | Accrual |  |  | Loans
March 31, 2020: |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 56,443 | 4 | — | 56,447 | — |  | $ | 56,447
Construction and land development |  |  | 32,294 | 8 | — | 32,302 | — |  |  | 32,302
Commercial real estate: |  |  |  |  |  |  |  |  |  |
| Owner occupied |  |  | 48,705 | — | — | 48,705 | — |  |  | 48,705
| Hotel/motel |  |  | 43,249 | — | — | 43,249 | — |  |  | 43,249
| Multi-family |  |  | 33,190 | — | — | 33,190 | — |  |  | 33,190
| Other |  |  | 130,955 | — | — | 130,955 | — |  |  | 130,955
|  | Total commercial real estate |  |  | 256,099 | — | — | 256,099 | — |  |  | 256,099
Residential real estate: |  |  |  |  |  |  |  |  |  |
| Consumer mortgage |  |  | 44,514 | 922 | — | 45,436 | 112 |  |  | 45,548
| Investment property |  |  | 45,462 | — | — | 45,462 | — |  |  | 45,462
|  | Total residential real estate |  |  | 89,976 | 922 | — | 90,898 | 112 |  |  | 91,010
Consumer installment |  |  | 8,401 | 19 | — | 8,420 | 4 |  |  | 8,424
|  | Total |  | $ | 443,213 | 953 | — | 444,166 | 116 |  | $ | 444,282
December 31, 2019: |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 56,758 | 24 | — | 56,782 | — |  | $ | 56,782
Construction and land development |  |  | 32,385 | 456 | — | 32,841 | — |  |  | 32,841
Commercial real estate: |  |  |  |  |  |  |  |  |  |
| Owner occupied |  |  | 48,860 | — | — | 48,860 | — |  |  | 48,860
| Hotel/motel |  |  | 43,719 | — | — | 43,719 | — |  |  | 43,719
| Multi-family |  |  | 44,839 | — | — | 44,839 | — |  |  | 44,839
| Other |  |  | 132,900 | — | — | 132,900 | — |  |  | 132,900
|  | Total commercial real estate |  |  | 270,318 | — | — | 270,318 | — |  |  | 270,318
Residential real estate: |  |  |  |  |  |  |  |  |  |
| Consumer mortgage |  |  | 47,151 | 1,585 | — | 48,736 | 187 |  |  | 48,923
| Investment property |  |  | 43,629 | 23 | — | 43,652 | — |  |  | 43,652
|  | Total residential real estate |  |  | 90,780 | 1,608 | — | 92,388 | 187 |  |  | 92,575
Consumer installment |  |  | 8,802 | 64 | — | 8,866 | — |  |  | 8,866
|  | Total |  | $ | 459,043 | 2,152 | — | 461,195 | 187 |  | $ | 461,382
Allowance for Credit Losses on Financing Receivables [Table Text Block] |
|  |  | March 31, 2020
(In thousands) | Commercial and industrial |  | Construction and land development |  | Commercial real estate |  | Residential real estate |  | Consumer installment |  |  |  | Total
Quarter ended: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 577 |  | 569 |  | 2,289 |  | 813 |  | 138 |  |  | $ | 4,386
Charge-offs |  | — |  | — |  | — |  | — |  | (5) |  |  |  | (5)
Recoveries |  | 53 |  | — |  | — |  | 31 |  | 2 |  |  |  | 86
| Net recoveries (charge-offs) |  | 53 |  | — |  | — |  | 31 |  | (3) |  |  |  | 81
Provision for loan losses |  | 45 |  | 13 |  | 307 |  | 33 |  | 2 |  |  |  | 400
Ending balance | $ | 675 |  | 582 |  | 2,596 |  | 877 |  | 137 |  |  | $ | 4,867
|  |  | March 31, 2019
(In thousands) | Commercial and industrial |  | Construction and land development |  | Commercial real estate |  | Residential real estate |  | Consumer installment |  |  |  | Total
Quarter ended: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 778 |  | 700 |  | 2,218 |  | 946 |  | 148 |  |  | $ | 4,790
Charge-offs |  | — |  | — |  | — |  | — |  | (15) |  |  |  | (15)
Recoveries |  | 18 |  | — |  | — |  | 14 |  | 1 |  |  |  | 33
| Net recoveries (charge-offs) |  | 18 |  | — |  | — |  | 14 |  | (14) |  |  |  | 18
Provision for loan losses |  | (110) |  | 73 |  | 33 |  | (30) |  | 34 |  |  |  | —
Ending balance | $ | 686 |  | 773 |  | 2,251 |  | 930 |  | 168 |  |  | $ | 4,808
Financing Receivable Allowance for Credit Loss Additional Information [Table Text Block] |
|  |  |  |  |  |  | Collectively evaluated (1) |  | Individually evaluated (2) |  | Total
|  |  |  |  |  |  | Allowance | Recorded |  | Allowance | Recorded |  | Allowance | Recorded
|  |  |  |  |  |  | for loan | investment |  | for loan | investment |  | for loan | investment
(In thousands) |  | losses | in loans |  | losses | in loans |  | losses | in loans
March 31, 2020: |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 675 | 56,447 |  | — | — |  | 675 | 56,447
Construction and land development |  | 582 | 32,302 |  | — | — |  | 582 | 32,302
Commercial real estate |  | 2,596 | 256,099 |  | — | — |  | 2,596 | 256,099
Residential real estate |  | 877 | 91,010 |  | — | — |  | 877 | 91,010
Consumer installment |  | 137 | 8,424 |  | — | — |  | 137 | 8,424
|  | Total | $ | 4,867 | 444,282 |  | — | — |  | 4,867 | 444,282
March 31, 2019: |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 686 | 50,898 |  | — | — |  | 686 | 50,898
Construction and land development |  | 773 | 44,931 |  | — | — |  | 773 | 44,931
Commercial real estate |  | 2,251 | 265,149 |  | — | — |  | 2,251 | 265,149
Residential real estate |  | 930 | 103,631 |  | — | — |  | 930 | 103,631
Consumer installment |  | 168 | 8,564 |  | — | — |  | 168 | 8,564
|  | Total | $ | 4,808 | 473,173 |  | — | — |  | 4,808 | 473,173
(1) | Represents loans collectively evaluated for impairment in accordance with ASC 450-20, Loss Contingencies, and
| pursuant to amendments by ASU 2010-20 regarding allowance for non-impaired loans.
(2) | Represents loans individually evaluated for impairment in accordance with ASC 310-30, Receivables, and
| pursuant to amendments by ASU 2010-20 regarding allowance for impaired loans.
Financing Receivable Credit Quality Indicators [Table Text Block] |
(In thousands) |  | Pass |  | Special Mention |  | Substandard Accruing |  | Nonaccrual |  |  | Total loans
March 31, 2020: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 53,875 |  | 2,326 |  | 246 |  | — |  | $ | 56,447
Construction and land development |  | 31,392 |  | — |  | 910 |  | — |  |  | 32,302
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
| Owner occupied |  | 47,646 |  | 910 |  | 149 |  | — |  |  | 48,705
| Hotel/motel |  | 43,249 |  | — |  | — |  | — |  |  | 43,249
| Multi-family |  | 33,190 |  | — |  | — |  | — |  |  | 33,190
| Other |  | 130,088 |  | 846 |  | 21 |  | — |  |  | 130,955
|  | Total commercial real estate |  | 254,173 |  | 1,756 |  | 170 |  | — |  |  | 256,099
Residential real estate: |  |  |  |  |  |  |  |  |  |  |
| Consumer mortgage |  | 41,666 |  | 1,223 |  | 2,547 |  | 112 |  |  | 45,548
| Investment property |  | 44,582 |  | 514 |  | 366 |  | — |  |  | 45,462
|  | Total residential real estate |  | 86,248 |  | 1,737 |  | 2,913 |  | 112 |  |  | 91,010
Consumer installment |  | 8,299 |  | 58 |  | 63 |  | 4 |  |  | 8,424
|  | Total | $ | 433,987 |  | 5,877 |  | 4,302 |  | 116 |  | $ | 444,282
December 31, 2019: |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 54,340 |  | 2,176 |  | 266 |  | — |  | $ | 56,782
Construction and land development |  | 31,798 |  | — |  | 1,043 |  | — |  |  | 32,841
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
| Owner occupied |  | 47,865 |  | 917 |  | 78 |  | — |  |  | 48,860
| Hotel/motel |  | 43,719 |  | — |  | — |  | — |  |  | 43,719
| Multi-family |  | 44,839 |  | — |  | — |  | — |  |  | 44,839
| Other |  | 132,030 |  | 849 |  | 21 |  | — |  |  | 132,900
|  | Total commercial real estate |  | 268,453 |  | 1,766 |  | 99 |  | — |  |  | 270,318
Residential real estate: |  |  |  |  |  |  |  |  |  |  |
| Consumer mortgage |  | 45,247 |  | 962 |  | 2,527 |  | 187 |  |  | 48,923
| Investment property |  | 42,331 |  | 949 |  | 372 |  | — |  |  | 43,652
|  | Total residential real estate |  | 87,578 |  | 1,911 |  | 2,899 |  | 187 |  |  | 92,575
Consumer installment |  | 8,742 |  | 60 |  | 64 |  | — |  |  | 8,866
|  | Total | $ | 450,911 |  | 5,913 |  | 4,371 |  | 187 |  | $ | 461,382
Impaired Financing Receivables [Table Text Block] |
|  |  |  |  |  |  | December 31, 2019
(In thousands) |  | Unpaid principal balance (1) | Charge-offs and payments applied (2) | Recorded investment (3) |  |  | Related allowance
With no allowance recorded:
Commercial and industrial | $ | 335 | (236) | 99 |  |  |
|  | Total impaired loans | $ | 335 | (236) | 99 |  | $ | —
(1) Unpaid principal balance represents the contractual obligation due from the customer.
(2) Charge-offs and payments applied represents cumulative charge-offs taken, as well as interest payments that have been
| applied against the outstanding principal balance subsequent to the loans being placed on nonaccrual status.
(3) Recorded investment represents the unpaid principal balance less charge-offs and payments applied; it is shown before
| any related allowance for loan losses.
Schedule Of Average Impaired Financing Receivable [Table Text Block] |
|  |  |  |  |  |  | Quarter ended March 31, 2020 |  |  | Quarter ended March 31, 2019
|  |  |  |  |  |  |  | Average |  | Total interest |  |  |  | Average |  | Total interest
|  |  |  |  |  |  |  | recorded |  | income |  |  |  | recorded |  | income
(In thousands) |  |  | investment |  | recognized |  |  |  | investment |  | recognized
Impaired loans: |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
| Owner occupied |  | $ | — |  | $ | — |  |  | $ | 78 |  | $ | 9
|  | Total commercial real estate |  | $ | — |  | $ | — |  |  | $ | 78 |  | $ | 9
|  | Total |  | $ | — |  | $ | — |  |  | $ | 78 |  | $ | 9

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953659-111524 + Details
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