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Loan and Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2023
Loans And Leases Receivable Disclosure [Abstract] |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] | September 30, December 31, (Dollars in thousands) 2023 2022 Commercial and industrial $ 66,014 $ 66,212 Construction and land development 70,129 66,479 Commercial real estate: Owner occupied 66,237 61,125 Hotel/motel 36,992 33,378 Multi-family 47,634 41,084 Other 131,101 128,986 Total commercial real estate 281,964 264,573 Residential real estate: Consumer mortgage 60,024 45,370 Investment property 57,126 52,278 Total residential real estate 117,150 97,648 Consumer installment 10,353 9,546 Total Loans $ 545,610 $ 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 September 30, 2023: Commercial and industrial $ 65,813 39 — 65,852 162 $ 66,014 Construction and land development 70,129 — — 70,129 — 70,129 Commercial real estate: Owner occupied 65,230 206 — 65,436 801 66,237 Hotel/motel 36,992 — — 36,992 — 36,992 Multi-family 47,634 — — 47,634 — 47,634 Other 131,101 — — 131,101 — 131,101 Total commercial real estate 280,957 206 — 281,163 801 281,964 Residential real estate: Consumer mortgage 59,799 — — 59,799 225 60,024 Investment property 57,087 14 — 57,101 25 57,126 Total residential real estate 116,886 14 — 116,900 250 117,150 Consumer installment 10,297 56 — 10,353 — 10,353 Total $ 544,082 315 — 544,397 1,213 $ 545,610 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 September 30, 2023: Commercial and industrial Pass $ 8,403 15,220 14,164 5,760 7,447 8,138 6,283 $ 65,415 Special mention — — — — — — 348 348 Substandard 56 — 27 — 6 — — 89 Nonaccrual — — — — 162 — — 162 Total commercial and industrial 8,459 15,220 14,191 5,760 7,615 8,138 6,631 66,014 Current period gross charge-offs — — — — — — — — Construction and land development Pass 34,977 30,923 1,735 1,562 131 162 639 70,129 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total construction and land development 34,977 30,923 1,735 1,562 131 162 639 70,129 Current period gross charge-offs — — — — — — — — Commercial real estate: Owner occupied Pass 10,489 7,476 18,785 10,639 4,359 9,965 3,408 65,121 Special mention 263 — — — — — — 263 Substandard — — — — 52 — — 52 Nonaccrual — — — — 801 — — 801 Total owner occupied 10,752 7,476 18,785 10,639 5,212 9,965 3,408 66,237 Current period gross charge-offs — — — — — — — — Hotel/motel Pass 6,437 9,981 3,234 1,539 3,952 11,849 — 36,992 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total hotel/motel 6,437 9,981 3,234 1,539 3,952 11,849 — 36,992 Current period gross charge-offs — — — — — — — — (Dollars in thousands) 2023 2022 2021 2020 2019 Prior to 2019 Revolving Loans Total Loans September 30, 2023: Multi-family Pass 12,436 18,185 1,972 6,163 3,825 3,126 1,927 47,634 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total multi-family 12,436 18,185 1,972 6,163 3,825 3,126 1,927 47,634 Current period gross charge-offs — — — — — — — — Other Pass 16,532 36,560 32,107 14,053 10,902 19,004 914 130,072 Special mention — — — 873 — — — 873 Substandard — — — 156 — — — 156 Nonaccrual — — — — — — — — Total other 16,532 36,560 32,107 15,082 10,902 19,004 914 131,101 Current period gross charge-offs — — — — — — — — Residential real estate: Consumer mortgage Pass 18,918 20,284 2,731 2,694 1,492 12,771 79 58,969 Special mention — — — — — 250 — 250 Substandard — — — — — 580 — 580 Nonaccrual — — — 118 — 107 — 225 Total consumer mortgage 18,918 20,284 2,731 2,812 1,492 13,708 79 60,024 Current period gross charge-offs — — — — — — — — Investment property Pass 11,594 12,822 9,564 12,984 5,763 2,373 1,473 56,573 Special mention 42 — — — — — — 42 Substandard — 249 — 237 — — — 486 Nonaccrual — — — — — 25 — 25 Total investment property 11,636 13,071 9,564 13,221 5,763 2,398 1,473 57,126 Current period gross charge-offs — — — — — — — — Consumer installment Pass 4,699 4,189 861 251 126 167 — 10,293 Special mention — — 1 2 — — — 3 Substandard 12 24 8 13 — — — 57 Nonaccrual — — — — — — — — Total consumer installment 4,711 4,213 870 266 126 167 — 10,353 Current period gross charge-offs 34 37 13 1 — — — 85 Total loans Pass 124,485 155,640 85,153 55,645 37,997 67,555 14,723 541,198 Special mention 305 — 1 875 — 250 348 1,779 Substandard 68 273 35 406 58 580 — 1,420 Nonaccrual — — — 118 963 132 — 1,213 Total loans $ 124,858 155,913 85,189 57,044 39,018 68,517 15,071 $ 545,610 Total current period gross charge-offs $ 34 37 13 1 — — — 85 (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 September 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 $ 162 — 162 $ 443 Commercial real estate 801 — 801 2,116 Residential real estate 250 — 250 172 Total $ 1,213 — 1,213 $ 2,731
Schedule Of Collateral Dependent Loans Individually Evaluated For ACL [Table Text Block] | (Dollars in thousands) Real Estate Business Assets Total Loans September 30, 2023: Commercial and industrial $ — 162 $ 162 Commercial real estate 801 — 801 Total $ 801 162 $ 963
Allowance for Credit Losses on Financing Receivables [Table Text Block] | September 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 $ 1,198 1,005 3,788 529 114 $ 6,634 Charge-offs — — — — (18) (18) Recoveries 1 — — 2 1 4 Net recoveries (charge-offs) 1 — — 2 (17) (14) Provision for credit losses 16 68 15 20 39 158 Ending balance $ 1,215 1,073 3,803 551 136 $ 6,778 Nine 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 — — — — (85) (85) Recoveries 197 — — 12 3 212 Net recoveries (charge-offs) 197 — — 12 (82) 127 Provision for credit losses (261) 141 (179) 58 108 (133) Ending balance $ 1,215 1,073 3,803 551 136 $ 6,778 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
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 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 (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 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 —

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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 -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-5 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-29 + Details
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