Note 3 - Loans (Tables)

3 Months Ended

Mar. 31, 2023

Notes Tables

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

	March 31, 2023		December 31, 2022
Commercial	$	304,486	$	304,247
Commercial real estate:
Construction and land development		215,975		197,525
Commercial real estate - owner occupied		415,106		418,462
Commercial real estate - non-owner occupied		822,347		827,728
Residential real estate:
Residential		343,548		338,132
Home equity		91,408		93,740
Consumer		6,647		6,615
Total loans, net of deferred fees and costs	$	2,199,517	$	2,186,449

Schedule of Outstanding and Carrying Amount of Certain Loans Acquired in Transfer [Table Text Block]

	December 31, 2022
Outstanding principal balance	$	125,856
Carrying amount		120,432

	December 31, 2022
Outstanding principal balance	$	17,788
Carrying amount		13,541

Schedule of Changes in Accretable Yield on Acquired Loans [Table Text Block]

	December 31, 2022
Balance at January 1	$	4,902
Accretion		(2,186	)
Reclassification from nonaccretable difference		986
Other changes, net (1)		(172	)
	$	3,530

Financing Receivable, Past Due [Table Text Block]

	30- 59 Days Past Due		60-89 Days Past Due		90 Days + Past Due and Still Accruing		Non Accrual Loans		Total Past Due		Current		Total Loans
Commercial	$	206	$	38	$	—	$	4	$	248	$	304,238	$	304,486
Commercial real estate:
Construction and land development		—		—		—		—		—		215,975		215,975
Commercial real estate - owner occupied		—		156		—		617		773		414,333		415,106
Commercial real estate - non-owner occupied		—		—		—		295		295		822,052		822,347
Residential:
Residential		136		—		—		749		885		342,663		343,548
Home equity		—		—		—		203		203		91,205		91,408
Consumer		—		—		—		19		19		6,628		6,647
Total	$	342	$	194	$	—	$	1,887	$	2,423	$	2,197,094	$	2,199,517

	30- 59 Days Past Due		60-89 Days Past Due		90 Days + Past Due and Still Accruing		Non Accrual Loans		Total Past Due		Current		Total Loans
Commercial	$	161	$	—	$	—	$	4	$	165	$	304,082	$	304,247
Commercial real estate:
Construction and land development		—		—		—		—		—		197,525		197,525
Commercial real estate - owner occupied		724		268		—		—		992		417,470		418,462
Commercial real estate - non-owner occupied		319		—		—		301		620		827,108		827,728
Residential:
Residential		664		90		—		797		1,551		336,581		338,132
Home equity		104		—		—		205		309		93,431		93,740
Consumer		—		—		16		—		16		6,599		6,615
Total	$	1,972	$	358	$	16	$	1,307	$	3,653	$	2,182,796	$	2,186,449

Financing Receivable, Nonaccrual [Table Text Block]

	CECL						Incurred Loss
	March 31, 2023						December 31, 2022
	Nonaccrual Loans		Nonaccrual Loans		Total
	with No Allowance		with an Allowance		Nonaccrual Loans		Nonaccrual Loans
Commercial	$	-	$	4	$	4	$	4
Commercial real estate:
Construction and land development		-		-		-		-
Commercial real estate-owner occupied		617		-		617		-
Commercial real estate-non-owner occupied		295		-		295		301
Residential:						-
Residential		499		250		749		797
Home equity		161		42		203		205
Consumer		-		19		19		-
Total	$	1,572	$	315	$	1,887	$	1,307

	Residential		Business				Commercial		Owner		Total
	Properties		Assets		Land		Property		Occupied		Loans
Commercial real estate:	$	-	$	-	$	-	$	295	$	617	$	912
Residential:
Residential		391		-		-		108		-		499
Home equity		161		-		-		-		-		161
Total collateral dependent loans	$	552	$	-	$	-	$	403	$	617	$	1,572

Financing Receivable, Accrued Interest Receivables Written Off [Table Text Block]

	For the Three Months Ended March 31, 2023
Commercial	$	1
Commercial real estate:
Construction and land development		-
Commercial real estate-owner occupied		8
Commercial real estate-non-owner occupied		-
Residential:
Residential		2
Home equity		-
Consumer		-
Total accrued interest reversed	$	11

Financing Receivable, Modified [Table Text Block]

	Term Extension
	Amortized Cost Basis		% of Total Loan Type			Financial Effect
Commercial real estate-owner occupied	$	2,422		0.58	%	Added a year to the term of one loan with principal deferment.

Impaired Financing Receivables [Table Text Block]

	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial	$	—	$	—	$	—	$	—	$	—
Commercial real estate:
Construction and land development		—		—		—		—		—
Commercial real estate - owner occupied		2,420		2,420		—		1,454		108
Commercial real estate - non-owner occupied		1,360		1,359		—		1,186		40
Residential:
Residential		1,149		1,156		—		935		21
Home equity		165		165		—		93		—
Consumer		—		—		—		—		—
	$	5,094	$	5,100	$	—	$	3,668	$	169
With a related allowance recorded:
Commercial	$	—	$	—	$	—	$	139	$	—
Commercial real estate:
Construction and land development		—		—		—		—		—
Commercial real estate - owner occupied		—		—		—		—		—
Commercial real estate - non-owner occupied (1)		—		—		—		—		—
Residential:
Residential (1)		—		—		—		41		—
Home equity		—		—		—		—		—
Consumer		—		—		—		38		—
	$	—	$	—	$	—	$	218	$	—
Total:
Commercial	$	—	$	—	$	—	$	139	$	—
Commercial real estate:
Construction and land development		—		—		—		—		—
Commercial real estate - owner occupied		2,420		2,420		—		1,454		108
Commercial real estate - non-owner occupied		1,360		1,359		—		1,186		40
Residential:
Residential		1,149		1,156		—		976		21
Home equity		165		165		—		93		—
Consumer		—		—		—		38		—
	$	5,094	$	5,100	$	—	$	3,886	$	169

Financing Receivable Credit Quality Indicators [Table Text Block]

	Term Loans by Year of Origination
	2023		2022		2021			2020		2019		Prior			Revolving		Total
Commercial
Pass	$	9,472	$	47,620	$	62,685		$	23,580	$	12,498	$	33,723		$	99,913	$	289,491
Special Mention		-		1,267		1,318			98		647		1,753			5,181		10,264
Substandard		6		-		-			-		456		1,247			3,022		4,731
Total commercial	$	9,478	$	48,887	$	64,003		$	23,678	$	13,601	$	36,723		$	108,116	$	304,486
Current period gross write-offs	$	-	$	-	$	(360	)	$	-	$	-	$	-		$	-	$	(360	)
Construction and land development
Pass	$	3,184	$	76,316	$	96,857		$	8,539	$	5,420	$	18,073		$	6,506	$	214,895
Special Mention		-		1,080		-			-		-		-			-		1,080
Substandard		-		-		-			-		-		-			-		-
Total construction and land development	$	3,184	$	77,396	$	96,857		$	8,539	$	5,420	$	18,073		$	6,506	$	215,975
Current period gross write-offs	$	-	$	-	$	-		$	-	$	-	$	-		$	-	$	-
Commercial real estate - owner occupied
Pass	$	6,556	$	60,675	$	104,240		$	44,728	$	26,980	$	151,305		$	6,179	$	400,663
Special Mention		-		-		1,437			236		-		829			-		2,502
Substandard		1,279		-		360			2,363		-		5,598			2,341		11,941
Total commercial real estate - owner occupied	$	7,835	$	60,675	$	106,037		$	47,327	$	26,980	$	157,732		$	8,520	$	415,106
Current period gross write-offs	$	-	$	-	$	-		$	-	$	-	$	-		$	-	$	-
Commercial real estate - non-owner occupied
Pass	$	6,240	$	142,424	$	199,730		$	138,967	$	89,430	$	230,905		$	7,618	$	815,314
Special Mention		-		-		-			-		913		5,486			-		6,399
Substandard		-		-		-			-		315		319			-		634
Total commercial real estate - non-owner occupied	$	6,240	$	142,424	$	199,730		$	138,967	$	90,658	$	236,710		$	7,618	$	822,347
Current period gross write-offs	$	-	$	-	$	-		$	-	$	-	$	-		$	-	$	-
Residential
Pass	$	16,621	$	104,345	$	90,511		$	26,636	$	15,322	$	72,176		$	13,107	$	338,718
Special Mention		-		263		206			-		321		827			-		1,617
Substandard		-		-		752			134		188		2,072			67		3,213
Total residential	$	16,621	$	104,608	$	91,469		$	26,770	$	15,831	$	75,075		$	13,174	$	343,548
Current period gross write-offs	$	-	$	-	$	-		$	-	$	-	$	-		$	-	$	-
Home equity
Pass	$	-	$	-	$	-		$	-	$	-	$	-		$	90,730	$	90,730
Special Mention		-		-		-			-		-		-			-		-
Substandard		-		-		-			-		-		-			678		678
Total home equity	$	-	$	-	$	-		$	-	$	-	$	-		$	91,408	$	91,408
Current period gross write-offs	$	-	$	-	$	-		$	-	$	-	$	-		$	-	$	-
Consumer
Pass	$	1,004	$	1,962	$	794		$	403	$	224	$	1,804		$	432	$	6,623
Special Mention		-		-		-			-		-		-			-		-
Substandard		-		3		-			-		-		20			1		24
Total consumer	$	1,004	$	1,965	$	794		$	403	$	224	$	1,824		$	433	$	6,647
Current period gross write-offs	$	-	$	-	$	(5	)	$	-	$	-	$	(30	)	$	-	$	(35	)

	Commercial		Construction and Land Development		Commercial Real Estate -Owner Occupied		Commercial Real Estate - Non-owner Occupied		Residential		Home Equity
Pass	$	288,041	$	197,331	$	405,223	$	826,844	$	333,124	$	93,062
Special Mention		10,657		—		2,388		239		1,577		—
Substandard		5,548		194		10,851		645		3,431		678
Doubtful		1		—		—		—		—		—
Total	$	304,247	$	197,525	$	418,462	$	827,728	$	338,132	$	93,740

	Consumer
Performing	$	6,599
Nonperforming		16
Total	$	6,615