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Loan and Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2021
Loans And Leases Receivable Disclosure [Abstract] |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] | June 30, December 31, (Dollars in thousands) 2021 2020 Commercial and industrial $ 87,933 $ 82,585 Construction and land development 37,477 33,514 Commercial real estate: Owner occupied 51,520 54,033 Hotel/motel 46,963 42,900 Multi-family 39,316 40,203 Other 105,046 118,000 Total commercial real estate 242,845 255,136 Residential real estate: Consumer mortgage 33,140 35,027 Investment property 49,024 49,127 Total residential real estate 82,164 84,154 Consumer installment 7,762 7,099 Total loans 458,181 462,488 Less: unearned income (1,197) (788) Loans, net of unearned income $ 456,984 $ 461,700
Past Due Financing Receivables [Table Text Block] | Accruing Accruing Total 30-89 Days Greater than Accruing Non- Total (Dollars in thousands) Current Past Due 90 days Loans Accrual Loans June 30, 2021: Commercial and industrial $ 87,932 1 — 87,933 — $ 87,933 Construction and land development 37,273 204 — 37,477 — 37,477 Commercial real estate: Owner occupied 51,520 — — 51,520 — 51,520 Hotel/motel 46,963 — — 46,963 — 46,963 Multi-family 39,316 — — 39,316 — 39,316 Other 104,642 205 — 104,847 199 105,046 Total commercial real estate 242,441 205 — 242,646 199 242,845 Residential real estate: Consumer mortgage 32,745 68 — 32,813 327 33,140 Investment property 48,922 — — 48,922 102 49,024 Total residential real estate 81,667 68 — 81,735 429 82,164 Consumer installment 7,755 7 — 7,762 — 7,762 Total $ 457,068 485 — 457,553 628 $ 458,181 December 31, 2020: Commercial and industrial $ 82,355 230 — 82,585 — $ 82,585 Construction and land development 33,453 61 — 33,514 — 33,514 Commercial real estate: Owner occupied 54,033 — — 54,033 — 54,033 Hotel/motel 42,900 — — 42,900 — 42,900 Multi-family 40,203 — — 40,203 — 40,203 Other 117,759 29 — 117,788 212 118,000 Total commercial real estate 254,895 29 — 254,924 212 255,136 Residential real estate: Consumer mortgage 33,169 1,503 140 34,812 215 35,027 Investment property 49,014 6 — 49,020 107 49,127 Total residential real estate 82,183 1,509 140 83,832 322 84,154 Consumer installment 7,069 29 1 7,099 — 7,099 Total $ 459,955 1,858 141 461,954 534 $ 462,488
Allowance for Credit Losses on Financing Receivables [Table Text Block] | June 30, 2021 (Dollars in thousands) Commercial and industrial Construction and land development Commercial real estate Residential real estate Consumer installment Total Quarter ended: Beginning balance $ 828 551 3,302 908 93 $ 5,682 Charge-offs — — — (1) — (1) Recoveries 2 — — 13 11 26 Net recoveries (charge-offs) 2 — — 12 11 25 Provision for loan losses (1) 88 (598) (82) (7) (600) Ending balance $ 829 639 2,704 838 97 $ 5,107 Six months ended: Beginning balance $ 807 594 3,169 944 104 $ 5,618 Charge-offs — — — (1) (5) (6) Recoveries 54 — — 26 15 95 Net recoveries (charge-offs) 54 — — 25 10 89 Provision for loan losses (32) 45 (465) (131) (17) (600) Ending balance $ 829 639 2,704 838 97 $ 5,107 June 30, 2020 (Dollars in thousands) Commercial and industrial Construction and land development Commercial real estate Residential real estate Consumer installment Total Quarter ended: Beginning balance $ 675 582 2,596 877 137 $ 4,867 Charge-offs (4) — — — (27) (31) Recoveries 2 — — 14 6 22 Net (charge-offs) recoveries (2) — — 14 (21) (9) Provision for loan losses 6 31 319 63 31 450 Ending balance $ 679 613 2,915 954 147 $ 5,308 Six months ended: Beginning balance $ 577 569 2,289 813 138 $ 4,386 Charge-offs (4) — — — (32) (36) Recoveries 55 — — 45 8 108 Net recoveries (charge-offs) 51 — — 45 (24) 72 Provision for loan losses 51 44 626 96 33 850 Ending balance $ 679 613 2,915 954 147 $ 5,308
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 (Dollars in thousands) losses in loans losses in loans losses in loans June 30, 2021: Commercial and industrial (3) $ 829 87,933 — — 829 87,933 Construction and land development 639 37,477 — — 639 37,477 Commercial real estate 2,704 242,646 — 199 2,704 242,845 Residential real estate 838 82,067 — 97 838 82,164 Consumer installment 97 7,762 — — 97 7,762 Total $ 5,107 457,885 — 296 5,107 458,181 June 30, 2020: Commercial and industrial (4) $ 679 87,754 — — 679 87,754 Construction and land development 613 32,967 — — 613 32,967 Commercial real estate 2,915 250,370 — 218 2,915 250,588 Residential real estate 954 85,714 — 111 954 85,825 Consumer installment 147 8,631 — — 147 8,631 Total $ 5,308 465,436 — 329 5,308 465,765 (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. (3) Includes $22.1 million of PPP loans for which no allowance for loan losses was allocated due to 100% SBA guarantee. (4) Includes $36.5 million of PPP loans for which no allowance for loan losses was allocated due to 100% SBA guarantee.
Financing Receivable Credit Quality Indicators [Table Text Block] | (Dollars in thousands) Pass Special Mention Substandard Accruing Nonaccrual Total loans June 30, 2021: Commercial and industrial $ 86,092 1,550 291 — $ 87,933 Construction and land development 37,235 3 239 — 37,477 Commercial real estate: Owner occupied 49,361 2,026 133 — 51,520 Hotel/motel 39,151 7,812 — — 46,963 Multi-family 35,786 3,530 — — 39,316 Other 103,413 1,389 45 199 105,046 Total commercial real estate 227,711 14,757 178 199 242,845 Residential real estate: Consumer mortgage 30,631 417 1,765 327 33,140 Investment property 48,408 183 331 102 49,024 Total residential real estate 79,039 600 2,096 429 82,164 Consumer installment 7,749 6 7 — 7,762 Total $ 437,826 16,916 2,811 628 $ 458,181 December 31, 2020: Commercial and industrial $ 79,984 2,383 218 — $ 82,585 Construction and land development 33,260 — 254 — 33,514 Commercial real estate: Owner occupied 51,265 2,627 141 — 54,033 Hotel/motel 35,084 7,816 — — 42,900 Multi-family 36,673 3,530 — — 40,203 Other 116,498 1,243 47 212 118,000 Total commercial real estate 239,520 15,216 188 212 255,136 Residential real estate: Consumer mortgage 32,518 397 1,897 215 35,027 Investment property 48,501 187 332 107 49,127 Total residential real estate 81,019 584 2,229 322 84,154 Consumer installment 7,069 7 23 — 7,099 Total $ 440,852 18,190 2,912 534 $ 462,488
Impaired Financing Receivables [Table Text Block] | June 30, 2021 (Dollars in thousands) Unpaid principal balance (1) Charge-offs and payments applied (2) Recorded investment (3) Related allowance With no allowance recorded: Commercial real estate: Other $ 211 (12) 199 $ — Total commercial real estate 211 (12) 199 — Residential real estate: Investment property 103 (6) 97 — Total residential real estate 103 (6) 97 — Total impaired loans $ 314 (18) 296 $ — (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. December 31, 2020 (Dollars in thousands) Unpaid principal balance (1) Charge-offs and payments applied (2) Recorded investment (3) Related allowance With no allowance recorded: Commercial real estate: Other $ 216 (4) 212 $ — Total commercial real estate 216 (4) 212 — Residential real estate: Investment property 109 (2) 107 — Total residential real estate 109 (2) 107 — Total impaired loans $ 325 (6) 319 $ — (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 June 30, 2021 Six months ended June 30, 2021 Average Total interest Average Total interest recorded income recorded income (Dollars in thousands) investment recognized investment recognized Impaired loans: Commercial real estate: Other $ 202 — 205 — Total commercial real estate 202 — 205 — Residential real estate: Investment property 100 — 102 — Total residential real estate 100 — 102 — Total $ 302 — 307 — Quarter ended June 30, 2020 Six months ended June 30, 2020 Average Total interest Average Total interest recorded income recorded income (Dollars in thousands) investment recognized investment recognized Impaired loans: Commercial real estate: Other $ 54 — 31 — Total commercial real estate 54 — 31 — Residential real estate: Investment property 28 — 16 — Total residential real estate 28 — 16 — Total $ 82 — 47 —
Troubled Debt Restructurings on Financing Receivables, Accrual Status [Table Text Block] | TDRs Related (Dollars in thousands) Accruing Nonaccrual Total Allowance June 30, 2021 Commercial real estate: Other $ — 199 199 $ — Total commercial real estate — 199 199 — Residential real estate: Investment property — 97 97 $ — Total residential real estate — 97 97 — Total $ — 296 296 $ — TDRs Related (In thousands) Accruing Nonaccrual Total Allowance December 31, 2020 Commercial real estate: Other $ — 212 212 $ — Total commercial real estate — 212 212 — Investment property — 107 107 — Total residential real estate — 107 107 — Total $ — 319 319 $ —
Troubled Debt Restructuring Modifications [Table Text Block] | Quarter ended June 30, Six months ended June 30, Pre- Post - Pre- Post - modification modification modification modification Number outstanding outstanding Number outstanding outstanding of recorded recorded of recorded recorded (Dollars in thousands) contracts investment investment contracts investment investment 2020: Commercial real estate: Other — $ — — 1 $ 216 216 Total commercial real estate — — — 1 216 216 Residential real estate: Investment property — — — 3 111 111 Total residential real estate — — — 3 111 111 Total — $ — — 4 $ 327 327

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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=121599337&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=121611835&loc=SL6953659-111524 + Details
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