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Loan and Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2022
Loans And Leases Receivable Disclosure [Abstract] |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] | September 30, December 31, (Dollars in thousands) 2022 2021 Commercial and industrial $ 70,685 $ 83,977 Construction and land development 54,773 32,432 Commercial real estate: Owner occupied 57,828 63,375 Hotel/motel 33,918 43,856 Multi-family 29,317 42,587 Other 128,967 108,553 Total commercial real estate 250,030 258,371 Residential real estate: Consumer mortgage 40,207 29,781 Investment property 51,391 47,880 Total residential real estate 91,598 77,661 Consumer installment 7,551 6,682 Total loans 474,637 459,123 Less: unearned income (602) (759) Loans, net of unearned income $ 474,035 $ 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 September 30, 2022: Commercial and industrial $ 70,684 1 — 70,685 — $ 70,685 Construction and land development 54,491 282 — 54,773 — 54,773 Commercial real estate: Owner occupied 57,828 — — 57,828 — 57,828 Hotel/motel 33,918 — — 33,918 — 33,918 Multi-family 29,317 — — 29,317 — 29,317 Other 128,797 — — 128,797 170 128,967 Total commercial real estate 249,860 — — 249,860 170 250,030 Residential real estate: Consumer mortgage 39,984 46 — 40,030 177 40,207 Investment property 51,351 40 — 51,391 — 51,391 Total residential real estate 91,335 86 — 91,421 177 91,598 Consumer installment 7,543 8 — 7,551 — 7,551 Total $ 473,913 377 — 474,290 347 $ 474,637 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] | September 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 $ 761 576 2,523 753 103 $ 4,716 Charge-offs (13) — — — (3) (16) Recoveries 2 — — 8 6 16 Net (charge-offs) recoveries (11) — — 8 3 — Provision for loan losses (18) 213 38 22 (5) 250 Ending balance $ 732 789 2,561 783 101 $ 4,966 Nine months ended: Beginning balance $ 857 518 2,739 739 86 $ 4,939 Charge-offs (17) — — — (67) (84) Recoveries 6 — 22 22 61 111 Net (charge-offs) recoveries (11) — 22 22 (6) 27 Provision for loan losses (114) 271 (200) 22 21 — Ending balance $ 732 789 2,561 783 101 $ 4,966 September 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 $ 829 639 2,704 838 97 $ 5,107 Recoveries 1 — — 7 4 12 Net recoveries 1 — — 7 4 12 Provision for loan losses (14) (49) 119 (46) (10) — Ending balance $ 816 590 2,823 799 91 $ 5,119 Nine months ended: Beginning balance $ 807 594 3,169 944 104 $ 5,618 Charge-offs — — — (1) (5) (6) Recoveries 55 — — 33 19 107 Net recoveries 55 — — 32 14 101 Provision for loan losses (46) (4) (346) (177) (27) (600) Ending balance $ 816 590 2,823 799 91 $ 5,119
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 September 30, 2022: Commercial and industrial $ 732 70,685 — — 732 70,685 Construction and land development 789 54,773 — — 789 54,773 Commercial real estate 2,561 249,860 — 170 2,561 250,030 Residential real estate 783 91,598 — — 783 91,598 Consumer installment 101 7,551 — — 101 7,551 Total $ 4,966 474,467 — 170 4,966 474,637 September 30, 2021: Commercial and industrial (3) $ 816 79,202 — — 816 79,202 Construction and land development 590 34,890 — — 590 34,890 Commercial real estate 2,823 252,605 — 193 2,823 252,798 Residential real estate 799 80,112 — 93 799 80,205 Consumer installment 91 7,060 — — 91 7,060 Total $ 5,119 453,869 — 286 5,119 454,155 (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 $13.3 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 September 30, 2022: Commercial and industrial $ 70,480 11 194 — $ 70,685 Construction and land development 54,773 — — — 54,773 Commercial real estate: Owner occupied 57,424 241 163 — 57,828 Hotel/motel 33,918 — — — 33,918 Multi-family 29,317 — — — 29,317 Other 128,591 178 28 170 128,967 Total commercial real estate 249,250 419 191 170 250,030 Residential real estate: Consumer mortgage 38,946 443 641 177 40,207 Investment property 51,096 44 251 — 51,391 Total residential real estate 90,042 487 892 177 91,598 Consumer installment 7,522 — 29 — 7,551 Total $ 472,067 917 1,306 347 $ 474,637 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] | September 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 $ 197 (27) 170 $ — Total commercial real estate 197 (27) 170 — Total impaired loans $ 197 (27) 170 $ — (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 September 30, 2022 Nine months ended September 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 $ 173 — 199 — Total commercial real estate 173 — 199 — Residential real estate: Investment property — — 6 — Total residential real estate — — 6 — Total $ 173 — 205 — Quarter ended September 30, 2021 Nine months ended September 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 $ 196 — 202 — Total commercial real estate 196 — 202 — Residential real estate: Investment property 95 — 100 — Total residential real estate 95 — 100 — Total $ 291 — 302 —
Troubled Debt Restructurings on Financing Receivables, Accrual Status [Table Text Block] | TDRs Related (Dollars in thousands) Accruing Nonaccrual Total Allowance September 30, 2022 Commercial real estate: Other $ — 170 170 $ — Total commercial real estate — 170 170 — Total $ — 170 170 $ — 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 $ —

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- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919249-210447 + Details
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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 https://asc.fasb.org/extlink&oid=124255953&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 https://asc.fasb.org/extlink&oid=123577603&loc=SL6953659-111524 + Details
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- Definition Tabular disclosure of financing receivable modified as troubled debt restructuring. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953676-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI https://asc.fasb.org/extlink&oid=123577603&loc=SL6953682-111524 + Details
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