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Loan and Allowance for Loan Losses (Tables)
9 Months Ended
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
$