Note 4 - Loan Receivables and Allowance for Loan and Lease Losses (Tables)

3 Months Ended

Mar. 31, 2021

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

	March 31,			December 31,
(In thousands)	2021			2020
Loan portfolio segment:
Commercial Real Estate	$	261,461		$	282,378
Residential Real Estate		147,947			153,851
Commercial and Industrial		138,966			144,297
Consumer and Other		56,485			67,635
Construction		55,523			66,984
Construction to Permanent - CRE		16,294			15,035
Loans receivable, gross		676,676			730,180
Allowance for loan and lease losses		(10,426	)		(10,584	)
Loans receivable, net	$	666,250		$	719,596

Financing Receivable, Allowance for Credit Loss [Table Text Block]

(In thousands)	Commercial Real Estate			Residential Real Estate			Commercial and Industrial			Consumer and Other			Construction			Construction to Permanent - CRE			Unallocated			Total
Three months ended March 31, 2021
Allowance for loan and lease losses:
December 31, 2020	$	4,485		$	1,379		$	3,284		$	295		$	739		$	162		$	240		$	10,584
Charge-offs		(42	)		(3	)		(209	)		(18	)		-			-			-			(272	)
Recoveries		-			-			12			102			-			-			-			114
Provisions (credits)		(289	)		533			537			3			(459	)		(85	)		(240	)		-
March 31, 2021	$	4,154		$	1,909		$	3,624		$	382		$	280		$	77		$	-		$	10,426

Three months ended March 31, 2020
Allowance for loan and lease losses:
December 31, 2019	$	3,789		$	1,038		$	4,340		$	341		$	477		$	130		$	-		$	10,115
Charge-offs		-			(1	)		(4	)		(39	)		-			-			-			(44	)
Recoveries		-			-			40			1			-			-			-			41
Provisions (credits)		361			83			14			231			126			(11	)		-			804
March 31, 2020	$	4,150		$	1,120		$	4,390		$	534		$	603		$	119		$	-		$	10,916

(In thousands)	Commercial Real Estate		Residential Real Estate		Commercial and Industrial		Consumer and Other		Construction		Construction to Permanent - CRE		Unallocated		Total
March 31, 2021
Allowance for loan and lease losses:
Individually evaluated for impairment	$	1,414	$	4	$	501	$	-	$	-	$	-	$	-	$	1,919
Collectively evaluated for impairment		2,740		1,905		3,123		382		280		77		-		8,507
Total allowance for loan and lease losses	$	4,154	$	1,909	$	3,624	$	382	$	280	$	77	$	-	$	10,426

Loans receivable, gross:
Individually evaluated for impairment	$	17,025	$	4,247	$	6,532	$	653	$	-	$	-	$	-	$	28,457
Collectively evaluated for impairment		244,436		143,700		132,434		55,832		55,523		16,294		-		648,219
Total loans receivable, gross	$	261,461	$	147,947	$	138,966	$	56,485	$	55,523	$	16,294	$	-	$	676,676

(In thousands)	Commercial Real Estate		Residential Real Estate		Commercial and Industrial		Consumer and Other		Construction		Construction to Permanent - CRE		Unallocated		Total
December 31, 2020
Allowance for loan and lease losses:
Individually evaluated for impairment	$	1,398	$	4	$	-	$	10	$	-	$	-	$	-	$	1,412
Collectively evaluated for impairment		3,087		1,375		3,284		285		739		162		240		9,172
Total allowance for loan losses	$	4,485	$	1,379	$	3,284	$	295	$	739	$	162	$	240	$	10,584

Loans receivable, gross:
Individually evaluated for impairment	$	14,534	$	3,962	$	4,700	$	1,187	$	-	$	-	$	-	$	24,383
Collectively evaluated for impairment		267,844		149,889		139,597		66,448		66,984		15,035		-		705,797
Total loans receivable, gross	$	282,378	$	153,851	$	144,297	$	67,635	$	66,984	$	15,035	$	-	$	730,180

Financing Receivable, Past Due [Table Text Block]

(In thousands)	Performing (Accruing) Loans
As of March 31, 2021:	30 - 59 Days Past Due		60 - 89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Current		Total Performing Loans		Non-accruing Loans		Loans Receivable Gross
Loan portfolio segment:
Commercial Real Estate:
Pass	$	517	$	750	$	-	$	1,267	$	210,720	$	211,987	$	-	$	211,987
Special mention		-		-		-		-		25,072		25,072		-		25,072
Substandard		351		-		-		351		7,017		7,368		17,034		24,402
		868		750		-		1,618		242,809		244,427		17,034		261,461
Residential Real Estate:
Pass	$	592	$	-	$	-		592	$	139,059		139,651		-		139,651
Special mention		-		-		-		-		3,832		3,832		-		3,832
Substandard		-		-		-		-		-		-		4,464		4,464
		592		-		-		592		142,891		143,483		4,464		147,947
Commercial and Industrial:
Pass	$	16	$	3,000	$	-		3,016	$	94,467		97,483		-		97,483
Special mention		123		-		-		123		8,226		8,349		-		8,349
Substandard		2,077		-		-		2,077		28,525		30,602		2,532		33,134
		2,216		3,000		-		5,216		131,218		136,434		2,532		138,966
Consumer and Other:
Pass	$	2	$	5	$	-		7	$	55,801		55,808		-		55,808
Substandard		-		-		-		-		120		120		557		677
		2		5		-		7		55,921		55,928		557		56,485
Construction:
Pass	$	866	$	-	$	-		866	$	54,657		55,523		-		55,523
		866		-		-		866		54,657		55,523		-		55,523
Construction to Permanent - CRE:
Pass	$	-	$	724	$	-		724	$	15,570		16,294		-		16,294
		-		724		-		724		15,570		16,294		-		16,294

Total	$	4,544	$	4,479	$	-	$	9,023	$	643,066	$	652,089	$	24,587	$	676,676

Loans receivable, gross:
Pass	$	1,993	$	4,479	$	-	$	6,472	$	570,274	$	576,746	$	-	$	576,746
Special mention		123		-		-		123		37,130		37,253		-		37,253
Substandard		2,428		-		-		2,428		35,662		38,090		24,587		62,677
Loans receivable, gross	$	4,544	$	4,479	$	-	$	9,023	$	643,066	$	652,089	$	24,587	$	676,676

(In thousands)	Performing (Accruing) Loans
As of December 31, 2020:	30 - 59 Days Past Due		60 - 89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Current		Total Performing Loans		Non-accruing Loans		Loans Receivable Gross
Loan portfolio segment:
Commercial Real Estate:
Pass	$	-	$	-	$	-	$	-	$	230,824	$	230,824	$	-	$	230,824
Special mention		-		-		-		-		25,658		25,658		-		25,658
Substandard		354		-		9		363		10,999		11,362		14,534		25,896
		354		-		9		363		267,481		267,844		14,534		282,378
Residential Real Estate:
Pass		478		361		-		839		145,298		146,137		-		146,137
Special mention		-		-		-		-		3,860		3,860		-		3,860
Substandard		-		-		-		-		-		-		3,854		3,854
		478		361		-		839		149,158		149,997		3,854		153,851
Commercial and Industrial:
Pass		-		209		-		209		102,131		102,340		-		102,340
Special mention		-		4,000		-		4,000		8,881		12,881		-		12,881
Substandard		603		113		-		716		27,660		28,376		700		29,076
		603		4,322		-		4,925		138,672		143,597		700		144,297
Consumer and Other:
Pass		1		-		7		8		66,589		66,597		-		66,597
Substandard		-		-		-		-		121		121		917		1,038
		1		-		7		8		66,710		66,718		917		67,635
Construction:
Pass		-		2,351		-		2,351		64,633		66,984		-		66,984
		-		2,351		-		2,351		64,633		66,984		-		66,984
Construction to Permanent - CRE:
Pass		-		-		-		-		15,035		15,035		-		15,035
		-		-		-		-		15,035		15,035		-		15,035

Total	$	1,436	$	7,034	$	16	$	8,486	$	701,689	$	710,175	$	20,005	$	730,180

Loans receivable, gross:
Pass	$	479	$	2,921	$	7	$	3,407	$	624,510	$	627,917	$	-	$	627,917
Special mention		-		4,000		-		4,000		38,399		42,399		-		42,399
Substandard		957		113		9		1,079		38,780		39,859		20,005		59,864
Loans receivable, gross	$	1,436	$	7,034	$	16	$	8,486	$	701,689	$	710,175	$	20,005	$	730,180

Financing Receivable, Nonaccrual [Table Text Block]

(In thousands)	Non-accruing Loans
	30 - 59 Days Past Due		60 - 89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Current		Total Non-accruing Loans
As of March 31, 2021:
Loan portfolio segment:
Commercial Real Estate:
Substandard	$	-	$	-	$	4,658	$	4,658	$	12,376	$	17,034
Residential Real Estate:
Substandard		-		23		2,122		2,145		2,319		4,464
Commercial and Industrial:
Substandard		1,786		63		683		2,532		-		2,532
Consumer and Other:
Substandard		-		-		30		30		527		557
Total non-accruing loans	$	1,786	$	86	$	7,493	$	9,365	$	15,222	$	24,587

As of December 31, 2020:
Loan portfolio segment:
Commercial Real Estate:
Substandard	$	-	$	-	$	5,723	$	5,723	$	8,811	$	14,534
Residential Real Estate:
Substandard		-		-		2,884		2,884		970		3,854
Commercial and Industrial:
Substandard		-		-		700		700		-		700
Consumer and Other:
Substandard		22		-		91		113		804		917
Total non-accruing loans	$	22	$	-	$	9,398	$	9,420	$	10,585	$	20,005

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

(In thousands)	March 31, 2021					December 31, 2020
	Number of Loans		Recorded Investment			Number of Loans		Recorded Investment
Loan portfolio segment:
Commercial Real Estate		1	$	8,811			2	$	9,884
Residential Real Estate		3		912			3		928
Commercial and Industrial		1		4,000			1		4,000
Consumer and Other		4		774			5		1,074
Total TDR Loans		9		14,497			11		15,886
Less:
TDRs included in non-accrual loans		4		(10,120	)		6		(11,508	)
Total accrual TDR Loans		5	$	4,377			5	$	4,378

Impaired Financing Receivables [Table Text Block]

(In thousands)	March 31, 2021						December 31, 2020
	Recorded Investment		Principal Outstanding		Related Allowance		Recorded Investment		Principal Outstanding		Related Allowance
With no related allowance recorded:
Commercial Real Estate	$	8,214	$	9,135	$	-	$	5,723	$	6,644	$	-
Residential Real Estate		4,138		4,212		-		3,853		3,900		-
Commercial and Industrial		4,684		4,803		-		4,700		4,816		-
Consumer and Other		653		678		-		1,177		1,332		-
		17,689		18,828		-		15,453		16,692		-
With a related allowance recorded:
Commercial Real Estate	$	8,820	$	8,820	$	1,415		8,811		8,811		1,398
Residential Real Estate		435		452		8		109		109		4
Commercial and Industrial		1,848		2,063		501		-		-		-
Consumer and Other		172		204		2		10		10		10
		11,275		11,539		1,926		8,930		8,930		1,412

Impaired Loans, Total:
Commercial Real Estate		17,034		17,955		1,415		14,534		15,455		1,398
Residential Real Estate		4,573		4,664		8		3,962		4,009		4
Commercial and Industrial		6,532		6,866		501		4,700		4,816		-
Consumer and Other		825		882		2		1,187		1,342		10
Impaired Loans, Total	$	28,964	$	30,367	$	1,926	$	24,383	$	25,622	$	1,412

	Three Months Ended March 31,
(In thousands)	2021				2020
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial Real Estate	$	6,078	$	-	$	3,467	$	-
Residential Real Estate		4,248		13		3,578		20
Commercial and Industrial		2,745		46		2,082		1
Consumer and Other		945		6		851		8
		14,016		65		9,978		29
With a related allowance recorded:
Commercial Real Estate		8,813		-		8,808		1
Residential Real Estate		190		3		28		2
Commercial and Industrial		462		26		-		-
Consumer and Other		47		2		51		1
		9,512		31		8,887		4
Impaired Loans, Total:
Commercial Real Estate		14,891		-		12,275		1
Residential Real Estate		4,438		16		3,606		22
Commercial and Industrial		3,207		72		2,082		1
Consumer and Other		992		8		902		9
Construction		-		-		-		-
Impaired Loans, Total	$	23,528	$	96	$	18,865	$	33