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Loan and Allowance for Credit Losses (Tables)
6 Months Ended
Jun. 30, 2023
Loans And Leases Receivable Disclosure [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
June 30,
December 31,
(Dollars in thousands)
2023
2022
Commercial and industrial
$
61,880
$
66,212
Construction and land development
63,874
66,479
Commercial real estate:
Owner occupied
67,679
61,125
Hotel/motel
37,511
33,378
Multi-family
44,431
41,084
Other
126,180
128,986
Total commercial real estate
275,801
264,573
Residential real estate:
Consumer mortgage
53,674
45,370
Investment property
56,160
52,278
Total residential real estate
109,834
97,648
Consumer installment
9,022
9,546
Total Loans
$
520,411
$
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
June 30, 2023:
Commercial and industrial
$
61,701
1
61,702
178
$
61,880
Construction and land development
63,874
63,874
63,874
Commercial real estate:
Owner occupied
66,860
66,860
819
67,679
Hotel/motel
37,511
37,511
37,511
Multi-family
44,431
44,431
44,431
Other
126,180
126,180
126,180
Total commercial real estate
274,982
274,982
819
275,801
Residential real estate:
Consumer mortgage
53,432
118
53,550
124
53,674
Investment property
56,117
15
56,132
28
56,160
Total residential real estate
109,549
133
109,682
152
109,834
Consumer installment
9,000
22
9,022
9,022
Total
$
519,106
156
519,262
1,149
$
520,411
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
June 30, 2023:
 
Commercial and industrial
Pass
$
5,888
12,207
14,564
5,926
7,644
8,366
6,810
$
61,405
Special mention
203
203
Substandard
58
27
9
94
Nonaccrual
178
178
Total commercial and industrial
5,946
12,207
14,591
5,926
7,831
8,366
7,013
61,880
Current period gross charge-offs
Construction and land development
Pass
18,973
39,757
2,957
1,584
140
185
278
63,874
Special mention
Substandard
Nonaccrual
Total construction and land development
18,973
39,757
2,957
1,584
140
185
278
63,874
Current period gross charge-offs
Commercial real estate:
Owner occupied
Pass
9,644
7,779
18,781
11,072
4,864
11,168
3,267
66,575
Special mention
232
232
Substandard
53
53
Nonaccrual
819
819
Total owner occupied
9,644
7,779
19,013
11,072
5,736
11,168
3,267
67,679
Current period gross charge-offs
Hotel/motel
Pass
6,533
10,087
3,264
1,586
4,022
12,019
37,511
Special mention
Substandard
Nonaccrual
Total hotel/motel
6,533
10,087
3,264
1,586
4,022
12,019
37,511
Current period gross charge-offs
(Dollars in thousands)
2023
2022
2021
2020
2019
Prior to
2019
Revolving
Loans
Total
 
Loans
June 30, 2023:
 
Multi-family
Pass
8,039
19,240
1,991
6,213
3,856
3,166
1,926
44,431
Special mention
Substandard
Nonaccrual
Total multi-family
8,039
19,240
1,991
6,213
3,856
3,166
1,926
44,431
Current period gross charge-offs
Other
Pass
9,264
37,412
32,595
15,241
11,061
19,542
906
126,021
Special mention
Substandard
159
159
Nonaccrual
Total other
9,264
37,412
32,595
15,400
11,061
19,542
906
126,180
Current period gross charge-offs
Residential real estate:
Consumer mortgage
Pass
11,623
20,752
2,769
2,847
1,545
13,125
6
52,667
Special mention
379
379
Substandard
504
504
Nonaccrual
124
124
Total consumer mortgage
11,623
20,752
2,769
2,847
1,545
14,132
6
53,674
Current period gross charge-offs
Investment property
Pass
8,327
13,638
10,155
13,415
5,911
2,707
1,446
55,599
Special mention
43
250
293
Substandard
240
240
Nonaccrual
28
28
Total investment property
8,370
13,888
10,155
13,655
5,911
2,735
1,446
56,160
Current period gross charge-offs
Consumer installment
Pass
2,671
4,595
1,002
369
153
184
8,974
Special mention
1
4
5
Substandard
14
17
10
2
43
Nonaccrual
Total consumer installment
2,685
4,612
1,013
373
155
184
9,022
Current period gross charge-offs
29
24
13
1
67
Total loans
Pass
80,960
165,467
88,078
58,253
39,195
70,461
14,643
517,057
Special mention
43
250
233
4
379
203
1,112
Substandard
72
17
37
399
64
504
1,093
Nonaccrual
997
152
1,149
Total loans
$
81,075
165,734
88,348
58,656
40,256
71,496
14,846
$
520,411
Total current period gross charge-offs
$
29
24
13
1
67
(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
June 30, 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
$
178
178
$
443
Commercial real estate
819
819
2,116
Residential real estate
152
152
172
Total
 
$
1,149
1,149
$
2,731
Schedule Of Collateral Dependent Loans Individually Evaluated For ACL [Table Text Block]
(Dollars in thousands)
Real Estate
Business Assets
Total Loans
June 30, 2023:
Commercial and industrial
$
178
$
178
Commercial real estate
819
819
Total
 
$
819
178
$
997
Allowance for Credit Losses on Financing Receivables [Table Text Block]
June 30, 2023
(Dollars in thousands)
Commercial and
industrial
Construction
and land
development
Commercial
real estate
Residential
real estate
Consumer
installment
Total
Quarter ended:
Beginning balance
$
1,232
1,021
3,966
497
105
$
6,821
Charge-offs
(56)
(56)
Recoveries
194
5
1
200
Net recoveries (charge-offs)
194
5
(55)
144
Provision for credit losses
(228)
(16)
(178)
27
64
(331)
Ending balance
$
1,198
1,005
3,788
529
114
$
6,634
Six months ended:
Beginning balance
$
747
949
3,109
828
132
$
5,765
Impact of adopting ASC 326
532
(17)
873
(347)
(22)
1,019
Charge-offs
(67)
(67)
Recoveries
196
10
2
208
Net recoveries (charge-offs)
196
10
(65)
141
Provision for credit losses
(277)
73
(194)
38
69
(291)
Ending balance
$
1,198
1,005
3,788
529
114
$
6,634
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
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
June 30, 2022:
Commercial and industrial
$
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
(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
Commercial real estate:
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 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