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Loan and Allowance for Loan Losses (Tables)
6 Months Ended
Jun. 30, 2022
Loans And Leases Receivable Disclosure [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
June 30,
December 31,
(Dollars in thousands)
2022
2021
Commercial and industrial
$
70,087
$
83,977
Construction and land development
38,654
32,432
Commercial real estate:
Owner occupied
58,222
63,375
Hotel/motel
34,365
43,856
Multi-family
29,722
42,587
Other
117,987
108,553
Total commercial real estate
240,296
258,371
Residential real estate:
Consumer mortgage
32,895
29,781
Investment property
52,329
47,880
Total residential real estate
85,224
77,661
Consumer installment
7,122
6,682
Total loans
441,383
459,123
Less: unearned income
(511)
(759)
Loans, net of unearned income
$
440,872
$
458,364
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, 2022:
Commercial and industrial
$
70,053
34
70,087
$
70,087
Construction and land development
38,654
38,654
38,654
Commercial real estate:
Owner occupied
58,222
58,222
58,222
Hotel/motel
34,365
34,365
34,365
Multi-family
29,722
29,722
29,722
Other
117,783
28
117,811
176
117,987
Total commercial real estate
240,092
28
240,120
176
240,296
Residential real estate:
Consumer mortgage
32,671
41
32,712
183
32,895
Investment property
52,240
89
52,329
52,329
Total residential real estate
84,911
130
85,041
183
85,224
Consumer installment
7,115
7
7,122
7,122
Total
$
440,825
199
441,024
359
$
441,383
December 31, 2021:
Commercial and industrial
$
83,974
3
83,977
$
83,977
Construction and land development
32,228
204
32,432
32,432
Commercial real estate:
Owner occupied
63,375
63,375
63,375
Hotel/motel
43,856
43,856
43,856
Multi-family
42,587
42,587
42,587
Other
108,366
108,366
187
108,553
Total commercial real estate
258,184
258,184
187
258,371
Residential real estate:
Consumer mortgage
29,070
516
29,586
195
29,781
Investment property
47,818
47,818
62
47,880
Total residential real estate
76,888
516
77,404
257
77,661
Consumer installment
6,657
25
6,682
6,682
Total
$
457,931
748
458,679
444
$
459,123
Allowance for Credit Losses on Financing Receivables [Table Text Block]
June 30, 2022
(Dollars in thousands)
Commercial and
industrial
Construction
and land
development
Commercial
real estate
Residential
real estate
Consumer
installment
Total
Quarter ended:
Beginning balance
$
774
508
2,536
737
103
$
4,658
Charge-offs
(4)
(16)
(20)
Recoveries
2
22
7
47
78
Net (charge-offs) recoveries
(2)
22
7
31
58
Provision for loan losses
(11)
68
(35)
9
(31)
Ending balance
$
761
576
2,523
753
103
$
4,716
Six months ended:
Beginning balance
$
857
518
2,739
739
86
$
4,939
Charge-offs
(4)
(64)
(68)
Recoveries
4
22
14
55
95
Net recoveries (charge-offs)
22
14
(9)
27
Provision for loan losses
(96)
58
(238)
26
(250)
Ending balance
$
761
576
2,523
753
103
$
4,716
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
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
54
 
 
25
10
89
Provision for loan losses
(32)
45
(465)
(131)
(17)
(600)
Ending balance
$
829
639
2,704
838
97
$
5,107
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, 2022:
Commercial and industrial (3)
$
761
70,087
761
70,087
Construction and land development
576
38,654
576
38,654
Commercial real estate
2,523
240,120
176
2,523
240,296
Residential real estate
753
85,224
753
85,224
Consumer installment
103
7,122
103
7,122
Total
$
4,716
441,207
176
4,716
441,383
June 30, 2021:
Commercial and industrial (4)
$
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
(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 $0.6 million of PPP loans for which no
 
allowance for loan losses was allocated due to 100%
 
SBA guarantee.
(4)
Includes $22.1 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, 2022:
 
Commercial and industrial
$
69,847
15
225
$
70,087
Construction and land development
38,654
38,654
Commercial real estate:
Owner occupied
57,755
349
118
58,222
Hotel/motel
34,365
34,365
Multi-family
29,722
29,722
Other
116,889
894
28
176
117,987
Total commercial real estate
238,731
1,243
146
176
240,296
Residential real estate:
Consumer mortgage
31,606
446
660
183
32,895
Investment property
52,029
45
255
52,329
Total residential real estate
83,635
491
915
183
85,224
Consumer installment
7,084
14
24
7,122
Total
$
437,951
1,763
1,310
359
$
441,383
December 31, 2021:
Commercial and industrial
$
83,725
26
226
$
83,977
Construction and land development
32,212
2
218
32,432
Commercial real estate:
Owner occupied
61,573
1,675
127
63,375
Hotel/motel
36,162
7,694
43,856
Multi-family
39,093
3,494
42,587
Other
107,426
911
29
187
108,553
Total commercial real estate
244,254
13,774
156
187
258,371
Residential real estate:
Consumer mortgage
27,647
452
1,487
195
29,781
Investment property
47,459
98
261
62
47,880
Total residential real estate
75,106
550
1,748
257
77,661
Consumer installment
6,650
20
12
6,682
Total
$
441,947
14,372
2,360
444
$
459,123
Impaired Financing Receivables [Table Text Block]
June 30, 2022
(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
$
199
(23)
176
$
Total commercial real estate
199
(23)
176
Total
 
impaired loans
$
199
(23)
176
$
(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, 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
$
205
(18)
187
$
Total commercial real estate
205
(18)
187
Residential real estate:
Investment property
68
(6)
62
Total residential real estate
68
(6)
62
Total
 
impaired loans
$
273
(24)
249
$
(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, 2022
Six months ended June 30, 2022
Average
Total interest
Average
Total interest
recorded
income
recorded
income
(Dollars in thousands)
investment
recognized
investment
recognized
Impaired loans:
Commercial real estate:
Other
$
180
212
Total commercial real estate
180
212
Residential real estate:
Investment property
9
Total residential real estate
9
Total
 
$
180
221
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
Troubled Debt Restructurings on Financing Receivables, Accrual Status [Table Text Block]
TDRs
Related
(Dollars in thousands)
Accruing
Nonaccrual
Total
Allowance
June 30, 2022
Commercial real estate:
Other
$
176
176
$
Total commercial real estate
176
176
Total
 
$
176
176
$
TDRs
Related
(In thousands)
Accruing
Nonaccrual
Total
Allowance
December 31, 2021
Commercial real estate:
Other
$
187
187
$
Total commercial real estate
187
187
Investment property
62
62
Total residential real estate
62
62
Total
 
$
249
249
$