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Loan and Allowance for Credit Losses (Tables)
3 Months Ended
Mar. 31, 2024
Loans And Leases Receivable Disclosure [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
March 31,
December 31,
(Dollars in thousands)
2024
2023
Commercial and industrial
$
78,920
$
73,374
Construction and land development
58,909
68,329
Commercial real estate:
Owner occupied
63,826
66,783
Hotel/motel
38,822
39,131
Multi-family
45,634
45,841
Other
152,202
135,552
Total commercial real estate
300,484
287,307
Residential real estate:
Consumer mortgage
59,813
60,545
Investment property
58,427
56,912
Total residential real estate
118,240
117,457
Consumer installment
10,967
10,827
Total Loans
$
567,520
$
557,294
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, 2024:
Commercial and industrial
$
78,914
6
78,920
$
78,920
Construction and land development
58,909
58,909
58,909
Commercial real estate:
Owner occupied
63,061
63,061
765
63,826
Hotel/motel
38,822
38,822
38,822
Multi-family
45,634
45,634
45,634
Other
152,202
152,202
152,202
Total commercial real estate
299,719
299,719
765
300,484
Residential real estate:
Consumer mortgage
59,656
60
59,716
97
59,813
Investment property
58,427
58,427
58,427
Total residential real estate
118,083
60
118,143
97
118,240
Consumer installment
10,935
16
10,951
16
10,967
Total
$
566,560
82
566,642
878
$
567,520
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2023:
Commercial and industrial
$
73,108
266
73,374
$
73,374
Construction and land development
68,329
68,329
68,329
Commercial real estate:
Owner occupied
66,000
66,000
783
66,783
Hotel/motel
39,131
39,131
39,131
Multi-family
45,841
45,841
45,841
Other
135,552
135,552
135,552
Total commercial real estate
286,524
286,524
783
287,307
Residential real estate:
Consumer mortgage
60,442
60,442
103
60,545
Investment property
56,597
290
56,887
25
56,912
Total residential real estate
117,039
290
117,329
128
117,457
Consumer installment
10,781
46
10,827
10,827
Total
$
555,781
602
556,383
911
$
557,294
Financing Receivable Credit Quality Indicators [Table Text Block]
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Year of Origination
2024
2023
2022
2021
2020
Prior to
2020
Revolving
Loans
Total
 
Loans
(Dollars in thousands)
March 31, 2024:
 
Commercial and industrial
Pass
$
6,167
10,960
19,891
13,067
5,429
14,697
8,449
$
78,660
Special mention
Substandard
54
194
12
260
Nonaccrual
Total commercial and industrial
6,221
10,960
20,085
13,079
5,429
14,697
8,449
78,920
Current period gross charge-offs
Construction and land development
Pass
5,668
26,093
22,446
1,615
1,506
200
905
58,433
Special mention
302
302
Substandard
174
174
Nonaccrual
Total construction and land development
5,842
26,395
22,446
1,615
1,506
200
905
58,909
Current period gross charge-offs
Commercial real estate:
Owner occupied
Pass
100
12,842
7,197
18,076
10,283
10,744
2,583
61,825
Special mention
931
257
1,188
Substandard
48
48
Nonaccrual
765
765
Total owner occupied
1,031
13,099
7,197
18,076
10,283
11,557
2,583
63,826
Current period gross charge-offs
Hotel/motel
Pass
248
8,925
9,765
3,174
1,445
15,265
38,822
Special mention
Substandard
Nonaccrual
Total hotel/motel
248
8,925
9,765
3,174
1,445
15,265
38,822
Current period gross charge-offs
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Year of Origination
2024
2023
2022
2021
2020
Prior to
2020
Revolving
Loans
Total
 
Loans
(Dollars in thousands)
March 31, 2024:
 
Multi-family
Pass
113
12,270
17,834
1,934
6,060
6,682
741
45,634
Special mention
Substandard
Nonaccrual
Total multi-family
113
12,270
17,834
1,934
6,060
6,682
741
45,634
Current period gross charge-offs
Other
Pass
19,687
24,583
35,601
31,278
14,036
25,552
1,313
152,050
Special mention
Substandard
152
152
Nonaccrual
Total other
19,687
24,583
35,601
31,278
14,188
25,552
1,313
152,202
Current period gross charge-offs
Residential real estate:
Consumer mortgage
Pass
1,276
19,445
19,230
2,682
2,636
13,106
327
58,702
Special mention
493
493
Substandard
521
521
Nonaccrual
97
97
Total consumer mortgage
1,276
19,445
19,230
2,682
2,636
14,217
327
59,813
Current period gross charge-offs
Investment property
Pass
5,736
12,255
11,396
9,219
11,829
6,214
1,369
58,018
Special mention
Substandard
83
96
230
409
Nonaccrual
Total investment property
5,736
12,338
11,492
9,219
12,059
6,214
1,369
58,427
Current period gross charge-offs
Consumer installment
Pass
2,095
5,157
2,690
570
148
222
10,882
Special mention
10
1
1
12
Substandard
10
34
11
2
57
Nonaccrual
9
7
16
Total consumer installment
2,105
5,210
2,709
572
149
222
10,967
Current period gross charge-offs
6
17
1
24
Total loans
Pass
41,090
132,530
146,050
81,615
53,372
92,682
15,687
563,026
Special mention
931
569
1
1
493
1,995
Substandard
238
117
301
14
382
569
1,621
Nonaccrual
9
7
862
878
Total loans
$
42,259
133,225
146,359
81,629
53,755
94,606
15,687
$
567,520
Total current period gross charge-offs
$
6
17
1
24
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Year of Origination
2023
2022
2021
2020
2019
Prior to
2019
Revolving
Loans
Total
 
Loans
(Dollars in thousands)
December 31, 2023:
 
Commercial and industrial
Pass
$
11,571
18,074
13,746
5,602
7,298
7,819
9,003
$
73,113
Special mention
Substandard
55
203
3
261
Nonaccrual
Total commercial and industrial
11,626
18,277
13,746
5,602
7,301
7,819
9,003
73,374
Current period gross charge-offs
13
151
164
Construction and land development
Pass
38,646
25,382
1,716
1,526
120
157
782
68,329
Special mention
Substandard
Nonaccrual
Total construction and land development
38,646
25,382
1,716
1,526
120
157
782
68,329
Current period gross charge-offs
Commercial real estate:
Owner occupied
Pass
12,966
7,337
18,548
10,458
3,948
9,786
2,647
65,690
Special mention
260
260
Substandard
50
50
Nonaccrual
783
783
Total owner occupied
13,226
7,337
18,548
10,458
4,781
9,786
2,647
66,783
Current period gross charge-offs
Hotel/motel
Pass
9,025
9,873
3,205
1,493
3,881
11,654
39,131
Special mention
Substandard
Nonaccrual
Total hotel/motel
9,025
9,873
3,205
1,493
3,881
11,654
39,131
Current period gross charge-offs
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Year of Origination
2023
2022
2021
2020
2019
Prior to
2019
Revolving
Loans
Total
 
Loans
(Dollars in thousands)
December 31, 2023:
 
Multi-family
Pass
12,379
17,955
1,953
6,112
3,790
3,043
609
45,841
Special mention
Substandard
Nonaccrual
Total multi-family
12,379
17,955
1,953
6,112
3,790
3,043
609
45,841
Current period gross charge-offs
Other
Pass
25,810
36,076
31,687
14,597
10,736
15,440
1,052
135,398
Special mention
Substandard
154
154
Nonaccrual
Total other
25,810
36,076
31,687
14,751
10,736
15,440
1,052
135,552
Current period gross charge-offs
Residential real estate:
Consumer mortgage
Pass
20,147
20,177
2,683
2,665
1,281
12,217
249
59,419
Special mention
190
305
495
Substandard
528
528
Nonaccrual
103
103
Total consumer mortgage
20,147
20,177
2,683
2,665
1,471
13,153
249
60,545
Current period gross charge-offs
Investment property
Pass
13,398
12,490
9,397
12,209
5,485
1,865
1,478
56,322
Special mention
41
41
Substandard
43
248
233
524
Nonaccrual
25
25
Total investment property
13,482
12,738
9,397
12,442
5,485
1,890
1,478
56,912
Current period gross charge-offs
Consumer installment
Pass
5,688
3,837
740
206
106
141
10,718
Special mention
9
25
9
2
45
Substandard
37
11
5
11
64
Nonaccrual
-
Total consumer installment
5,734
3,873
754
219
106
141
10,827
Current period gross charge-offs
34
57
13
1
105
Total loans
Pass
149,630
151,201
83,675
54,868
36,645
62,122
15,820
553,961
Special mention
310
25
9
2
190
305
841
Substandard
135
462
5
398
53
528
1,581
Nonaccrual
783
128
911
Total loans
$
150,075
151,688
83,689
55,268
37,671
63,083
15,820
$
557,294
Total current period gross charge-offs
$
34
57
26
1
151
269
Allowance for Credit Losses on Financing Receivables [Table Text Block]
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(Dollars in thousands)
Commercial and
industrial
Construction
and land
development
Commercial
real estate
Residential
real estate
Consumer
installment
Total
Quarter ended:
March 31, 2024
Beginning balance
$
1,288
960
3,921
546
148
$
6,863
Charge-offs
(24)
(24)
Recoveries
66
3
22
91
Net recoveries (charge-offs)
66
3
(2)
67
Provision for credit losses
61
(120)
281
64
(1)
285
Ending balance
$
1,415
840
4,202
613
145
$
7,215
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quarter ended:
March 31, 2023
Beginning balance
$
747
949
3,109
828
132
$
5,765
Impact of adopting 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
Schedule Of Financing Receivables NonAccrual Status [Table Text Block]
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CECL
Nonaccrual loans
Nonaccrual loans
Total
(Dollars in thousands)
with no Allowance
with an Allowance
Nonaccrual Loans
March 31, 2024
Commercial real estate
$
765
765
Residential real estate
97
97
Consumer
16
16
Total
 
$
765
113
878
December 31, 2023
Commercial real estate
$
783
783
Residential real estate
128
128
Total
 
$
783
128
911
Schedule Of Collateral Dependent Loans Individually Evaluated For ACL [Table Text Block]
 
 
 
 
 
 
 
(Dollars in thousands)
Real Estate
Total Loans
March 31, 2024:
Commercial real estate
$
765
$
765
Total
 
$
765
$
765
 
 
 
 
December 31, 2023:
Commercial real estate
$
783
$
783
Total
$
783
$
783
Schedule Of Composition Of Provision For Credit Losses [Table Text Block]]
 
 
 
 
 
 
 
 
Quarter ended March 31,
 
(Dollars in thousands)
2024
2023
Provision for credit losses:
Loans
$
285
 
$
40
 
Reserve for unfunded commitments
49
 
26
 
Total provision for credit
 
losses
$
334
 
$
66