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Loan and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2023
Loans And Leases Receivable Disclosure [Abstract] |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] | March 31, December 31, (Dollars in thousands) 2023 2022 Commercial and industrial $ 59,602 $ 66,212 Construction and land development 66,500 66,479 Commercial real estate: Owner occupied 67,280 61,125 Hotel/motel 32,959 33,378 Multi-family 40,974 41,084 Other 126,749 128,986 Total commercial real estate 267,962 264,573 Residential real estate: Consumer mortgage 48,513 45,370 Investment property 53,462 52,278 Total residential real estate 101,975 97,648 Consumer installment 9,002 9,546 Total Loans $ 505,041 $ 504,458
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 March 31, 2023: Commercial and industrial $ 59,141 29 — 59,170 432 $ 59,602 Construction and land development 66,500 — — 66,500 — 66,500 Commercial real estate: Owner occupied 65,177 — — 65,177 2,103 67,280 Hotel/motel 32,959 — — 32,959 — 32,959 Multi-family 40,974 — — 40,974 — 40,974 Other 126,749 — — 126,749 — 126,749 Total commercial real estate 265,859 — — 265,859 2,103 267,962 Residential real estate: Consumer mortgage 48,162 216 — 48,378 135 48,513 Investment property 53,184 278 — 53,462 — 53,462 Total residential real estate 101,346 494 — 101,840 135 101,975 Consumer installment 8,922 70 — 8,992 10 9,002 Total $ 501,768 593 — 502,361 2,680 $ 505,041 December 31, 2022: Commercial and industrial $ 65,764 5 — 65,769 443 $ 66,212 Construction and land development 66,479 — — 66,479 — 66,479 Commercial real estate: Owner occupied 61,125 — — 61,125 — 61,125 Hotel/motel 33,378 — — 33,378 — 33,378 Multi-family 41,084 — — 41,084 — 41,084 Other 126,870 — — 126,870 2,116 128,986 Total commercial real estate 262,457 — — 262,457 2,116 264,573 Residential real estate: Consumer mortgage 45,160 38 — 45,198 172 45,370 Investment property 52,278 — — 52,278 — 52,278 Total residential real estate 97,438 38 — 97,476 172 97,648 Consumer installment 9,506 40 — 9,546 — 9,546 Total $ 501,644 83 — 501,727 2,731 $ 504,458
Financing Receivable Credit Quality Indicators [Table Text Block] | (Dollars in thousands) 2023 2022 2021 2020 2019 Prior to 2019 Revolving Loans Total loans March 31, 2023: Commercial and industrial Pass $ 4,106 10,873 14,985 6,152 7,787 8,630 6,536 $ 59,069 Special mention — — — — — — — — Substandard 59 — 28 3 11 — — 101 Nonaccrual — — — — 432 — — 432 Total commercial and industrial 4,165 10,873 15,013 6,155 8,230 8,630 6,536 59,602 Current period gross charge-offs — — — — — — — — Construction and land development Pass 9,319 51,422 3,226 1,670 151 234 478 66,500 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total construction and land development 9,319 51,422 3,226 1,670 151 234 478 66,500 Current period gross charge-offs — — — — — — — — Commercial real estate: Owner occupied Pass 4,294 10,250 19,309 11,652 5,194 11,372 2,711 64,782 Special mention — — 235 — — — — 235 Substandard — 105 — — 55 — — 160 Nonaccrual — — — — 2,103 — — 2,103 Total owner occupied 4,294 10,355 19,544 11,652 7,352 11,372 2,711 67,280 Current period gross charge-offs — — — — — — — — Hotel/motel Pass — 10,191 3,294 1,633 4,090 13,751 — 32,959 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total hotel/motel — 10,191 3,294 1,633 4,090 13,751 — 32,959 Current period gross charge-offs — — — — — — — — (Dollars in thousands) 2023 2022 2021 2020 2019 Prior to 2019 Revolving Loans Total loans March 31, 2023: Multifamily Pass 3,666 19,375 2,009 7,158 3,889 3,299 1,578 40,974 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total multifamily 3,666 19,375 2,009 7,158 3,889 3,299 1,578 40,974 Current period gross charge-offs — — — — — — — — Other Pass 5,546 38,002 33,006 15,834 11,241 21,706 1,253 126,588 Special mention — — — — — — — — Substandard — — — 161 — — — 161 Nonaccrual — — — — — — — — Total other 5,546 38,002 33,006 15,995 11,241 21,706 1,253 126,749 Current period gross charge-offs — — — — — — — — Residential real estate: Consumer mortgage Pass 4,375 22,234 2,783 2,874 1,531 13,584 94 47,475 Special mention — — — — — 381 — 381 Substandard — — — — — 522 — 522 Nonaccrual — — — — — 135 — 135 Total consumer mortgage 4,375 22,234 2,783 2,874 1,531 14,622 94 48,513 Current period gross charge-offs — — — — — — — — Investment property Pass 2,400 15,316 10,569 14,231 6,221 3,561 877 53,175 Special mention — — — — — 43 — 43 Substandard — — — 244 — — — 244 Nonaccrual — — — — — — — — Total investment property 2,400 15,316 10,569 14,475 6,221 3,604 877 53,462 Current period gross charge-offs — — — — — — — — Consumer installment Pass 1,216 5,565 1,285 440 196 234 — 8,936 Special mention — — — 5 — — — 5 Substandard 15 20 12 — 4 — — 51 Nonaccrual — — 10 — — — — 10 Total consumer installment 1,231 5,585 1,307 445 200 234 — 9,002 Current period gross charge-offs — 6 5 — — — — 11 Total loans Pass 34,922 183,228 90,466 61,644 40,300 76,371 13,527 500,458 Special mention — — 235 5 — 424 — 664 Substandard 74 125 40 408 70 522 — 1,239 Nonaccrual — — 10 — 2,535 135 — 2,680 Total loans $ 34,996 183,353 90,751 62,057 42,905 77,452 13,527 $ 505,041 Total current period gross charge-offs $ — 6 5 — — — — $ 11 (Dollars in thousands) Pass Special Mention Substandard Accruing Nonaccrual Total loans December 31, 2022: Commercial and industrial $ 65,550 7 212 443 $ 66,212 Construction and land development 66,479 — — — 66,479 Commercial real estate: Owner occupied 60,726 238 161 — 61,125 Hotel/motel 33,378 — — — 33,378 Multi-family 41,084 — — — 41,084 Other 126,700 170 — 2,116 128,986 Total commercial real estate 261,888 408 161 2,116 264,573 Residential real estate: Consumer mortgage 44,172 439 587 172 45,370 Investment property 51,987 43 248 — 52,278 Total residential real estate 96,159 482 835 172 97,648 Consumer installment 9,498 1 47 — 9,546 Total $ 499,574 898 1,255 2,731 $ 504,458
Schedule Of Financing Receivables NonAccrual Status [Table Text Block] | CECL Incurred Loss March 31, 2023 December 31, 2022 Nonaccrual Nonaccrual Total Loans with Loans with an Nonaccrual Nonaccrual (Dollars in thousands) No Allowance Allowance Loans Loans Commercial and industrial $ 194 238 432 $ 443 Commercial real estate 837 1,266 2,103 2,116 Residential real estate 135 — 135 172 Consumer 10 — 10 — Total $ 1,176 1,504 2,680 $ 2,731
Schedule Of Collateral Dependent Loans Individually Evaluated For ACL [Table Text Block] | (Dollars in thousands) Real Estate Business Assets Total Loans March 31, 2023: Commercial and industrial $ — 432 $ 432 Commercial real estate 2,103 — 2,103 Total $ 2,103 432 $ 2,535
Allowance for Credit Losses on Financing Receivables [Table Text Block] | March 31, 2023 (Dollars in thousands) Commercial and industrial Construction and land development Commercial real estate Residential real estate Consumer installment Total Quarter ended: Beginning balance, prior to the adoption of ASC 326 $ 747 949 3,109 828 132 $ 5,765 Impact from the adoption of ASC 326 532 (17) 873 (347) (22) 1,019 Charge-offs — — — — (11) (11) Recoveries 2 — — 5 1 8 Net recoveries (charge-offs) 2 — — 5 (10) (3) Provision for credit losses (49) 89 (16) 11 5 40 Ending balance $ 1,232 1,021 3,966 497 105 $ 6,821 March 31, 2022 (Dollars in thousands) Commercial and industrial Construction and land development Commercial real estate Residential real estate Consumer installment Total Quarter ended: Beginning balance $ 857 518 2,739 739 86 $ 4,939 Charge-offs — — — — (48) (48) Recoveries 2 — — 7 8 $ 17 Net (charge-offs) recoveries 2 — — 7 (40) (31) Provision for loan losses (85) (10) (203) (9) 57 (250) Ending balance $ 774 508 2,536 737 103 $ 4,658
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, 2022: Commercial and industrial (3) $ 774 73,297 — — 774 73,297 Construction and land development 508 33,058 — — 508 33,058 Commercial real estate 2,536 234,880 — 182 2,536 235,062 Residential real estate 737 79,102 — — 737 79,102 Consumer installment 103 8,412 — — 103 8,412 Total $ 4,658 428,749 — 182 4,658 428,931 (1) Represents loans collectively evaluated for impairment, prior to the adopton of ASC 326, 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, prior to the adoption of ASC 326, in accordance with ASC 310-30, Receivables, and pursuant to amendments by ASU 2010-20 regarding allowance for impaired loans.
Impaired Financing Receivables [Table Text Block] | December 31, 2022 (Dollars in thousands) Unpaid principal balance (1) Charge-offs and payments applied (2) Recorded investment (3) Related allowance With no allowance recorded: Commercial and industrial $ 210 (1) 209 $ — Commercial real estate: Owner occupied 858 (3) 855 Total commercial real estate 858 (3) 855 — Total 1,068 (4) 1,064 — With allowance recorded: Commercial and industrial 234 — 234 $ 59 Owner occupied 1,261 — 1,261 446 Total commercial real estate 1,261 — 1,261 446 Total 1,495 — 1,495 505 Total impaired loans $ 2,563 (4) 2,559 $ 505 (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, 2022 Average Total interest recorded income (Dollars in thousands) investment recognized Impaired loans: Commercial real estate: Other 236 $ — Total commercial real estate 236 — Residential real estate: Investment property 15 — Total residential real estate 15 — Total 251 $ —

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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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