XML 65 R55.htm IDEA: XBRL DOCUMENT v3.23.1
Note 3 - Loans - Credit Risk Profile (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended
Mar. 31, 2023
Mar. 31, 2022
Dec. 31, 2022
Loans, net of deferred fees and costs $ 2,199,517   $ 2,186,449 [1]
Charge-offs (395) $ (37) (1,019)
Gross loans 2,199,517   2,186,449 [1]
Commercial Portfolio Segment [Member]      
Loans, current year 9,478    
Loans, one year before 48,887    
Loans, two years before 64,003    
Loans, three years before 23,678    
Loans, four years before 13,601    
Loans, prior 36,723    
Loans, revolving 108,116    
Loans, net of deferred fees and costs 304,486   304,247
Current period gross write-offs, current 0    
Current period gross write-offs, one year before 0    
Current period gross write-offs, two years before (360)    
Current period gross write-offs, three years before 0    
Current period gross write-offs, four years before 0    
Current period gross write-offs, prior 0    
Current period gross write-offs, revolving 0    
Charge-offs [2] (360)   (357)
Gross loans 304,486   304,247
Commercial Portfolio Segment [Member] | Pass [Member]      
Loans, current year 9,472    
Loans, one year before 47,620    
Loans, two years before 62,685    
Loans, three years before 23,580    
Loans, four years before 12,498    
Loans, prior 33,723    
Loans, revolving 99,913    
Loans, net of deferred fees and costs 289,491   288,041
Gross loans 289,491   288,041
Commercial Portfolio Segment [Member] | Special Mention [Member]      
Loans, current year 0    
Loans, one year before 1,267    
Loans, two years before 1,318    
Loans, three years before 98    
Loans, four years before 647    
Loans, prior 1,753    
Loans, revolving 5,181    
Loans, net of deferred fees and costs 10,264   10,657
Gross loans 10,264   10,657
Commercial Portfolio Segment [Member] | Substandard [Member]      
Loans, current year 6    
Loans, one year before 0    
Loans, two years before 0    
Loans, three years before 0    
Loans, four years before 456    
Loans, prior 1,247    
Loans, revolving 3,022    
Loans, net of deferred fees and costs 4,731   5,548
Gross loans 4,731   5,548
Commercial Portfolio Segment [Member] | Doubtful [Member]      
Loans, net of deferred fees and costs     1
Gross loans     1
Commercial Real Estate Portfolio Segment [Member] | Construction and Land Development [Member]      
Loans, current year 3,184    
Loans, one year before 77,396    
Loans, two years before 96,857    
Loans, three years before 8,539    
Loans, four years before 5,420    
Loans, prior 18,073    
Loans, revolving 6,506    
Loans, net of deferred fees and costs 215,975   197,525
Current period gross write-offs, current 0    
Current period gross write-offs, one year before 0    
Current period gross write-offs, two years before 0    
Current period gross write-offs, three years before 0    
Current period gross write-offs, four years before 0    
Current period gross write-offs, prior 0    
Current period gross write-offs, revolving 0    
Charge-offs 0    
Gross loans 215,975   197,525
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Commercial Real Estate [Member]      
Loans, current year 7,835    
Loans, one year before 60,675    
Loans, two years before 106,037    
Loans, three years before 47,327    
Loans, four years before 26,980    
Loans, prior 157,732    
Loans, revolving 8,520    
Loans, net of deferred fees and costs 415,106   418,462
Current period gross write-offs, current 0    
Current period gross write-offs, one year before 0    
Current period gross write-offs, two years before 0    
Current period gross write-offs, three years before 0    
Current period gross write-offs, four years before 0    
Current period gross write-offs, prior 0    
Current period gross write-offs, revolving 0    
Charge-offs 0   0
Gross loans 415,106   418,462
Commercial Real Estate Portfolio Segment [Member] | Non-owner Occupied Commercial Real Estate [Member]      
Loans, current year 6,240    
Loans, one year before 142,424    
Loans, two years before 199,730    
Loans, three years before 138,967    
Loans, four years before 90,658    
Loans, prior 236,710    
Loans, revolving 7,618    
Loans, net of deferred fees and costs 822,347   827,728
Current period gross write-offs, current 0    
Current period gross write-offs, one year before 0    
Current period gross write-offs, two years before 0    
Current period gross write-offs, three years before 0    
Current period gross write-offs, four years before 0    
Current period gross write-offs, prior 0    
Current period gross write-offs, revolving 0    
Charge-offs 0   (436)
Gross loans 822,347   827,728
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Construction and Land Development [Member]      
Loans, current year 3,184    
Loans, one year before 76,316    
Loans, two years before 96,857    
Loans, three years before 8,539    
Loans, four years before 5,420    
Loans, prior 18,073    
Loans, revolving 6,506    
Loans, net of deferred fees and costs 214,895   197,331
Gross loans 214,895   197,331
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Owner Occupied Commercial Real Estate [Member]      
Loans, current year 6,556    
Loans, one year before 60,675    
Loans, two years before 104,240    
Loans, three years before 44,728    
Loans, four years before 26,980    
Loans, prior 151,305    
Loans, revolving 6,179    
Loans, net of deferred fees and costs 400,663   405,223
Gross loans 400,663   405,223
Commercial Real Estate Portfolio Segment [Member] | Pass [Member] | Non-owner Occupied Commercial Real Estate [Member]      
Loans, current year 6,240    
Loans, one year before 142,424    
Loans, two years before 199,730    
Loans, three years before 138,967    
Loans, four years before 89,430    
Loans, prior 230,905    
Loans, revolving 7,618    
Loans, net of deferred fees and costs 815,314    
Gross loans 815,314    
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Construction and Land Development [Member]      
Loans, current year 0    
Loans, one year before 1,080    
Loans, two years before 0    
Loans, three years before 0    
Loans, four years before 0    
Loans, prior 0    
Loans, revolving 0    
Loans, net of deferred fees and costs 1,080   0
Gross loans 1,080   0
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Owner Occupied Commercial Real Estate [Member]      
Loans, current year 0    
Loans, one year before 0    
Loans, two years before 1,437    
Loans, three years before 236    
Loans, four years before 0    
Loans, prior 829    
Loans, revolving 0    
Loans, net of deferred fees and costs 2,502   2,388
Gross loans 2,502   2,388
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member] | Non-owner Occupied Commercial Real Estate [Member]      
Loans, current year 0    
Loans, one year before 0    
Loans, two years before 0    
Loans, three years before 0    
Loans, four years before 913    
Loans, prior 5,486    
Loans, revolving 0    
Loans, net of deferred fees and costs 6,399    
Gross loans 6,399    
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Construction and Land Development [Member]      
Loans, current year 0    
Loans, one year before 0    
Loans, two years before 0    
Loans, three years before 0    
Loans, four years before 0    
Loans, prior 0    
Loans, revolving 0    
Loans, net of deferred fees and costs 0   194
Gross loans 0   194
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Owner Occupied Commercial Real Estate [Member]      
Loans, current year 1,279    
Loans, one year before 0    
Loans, two years before 360    
Loans, three years before 2,363    
Loans, four years before 0    
Loans, prior 5,598    
Loans, revolving 2,341    
Loans, net of deferred fees and costs 11,941   10,851
Gross loans 11,941   10,851
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member] | Non-owner Occupied Commercial Real Estate [Member]      
Loans, current year 0    
Loans, one year before 0    
Loans, two years before 0    
Loans, three years before 0    
Loans, four years before 315    
Loans, prior 319    
Loans, revolving 0    
Loans, net of deferred fees and costs 634    
Gross loans 634    
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Construction and Land Development [Member]      
Loans, net of deferred fees and costs     0
Gross loans     0
Commercial Real Estate Portfolio Segment [Member] | Doubtful [Member] | Owner Occupied Commercial Real Estate [Member]      
Loans, net of deferred fees and costs     0
Gross loans     0
Residential Portfolio Segment [Member]      
Charge-offs     (5)
Residential Portfolio Segment [Member] | Non-owner Occupied Commercial Real Estate [Member]      
Loans, net of deferred fees and costs     827,728
Gross loans     827,728
Residential Portfolio Segment [Member] | Residential [Member]      
Loans, current year 16,621    
Loans, one year before 104,608    
Loans, two years before 91,469    
Loans, three years before 26,770    
Loans, four years before 15,831    
Loans, prior 75,075    
Loans, revolving 13,174    
Loans, net of deferred fees and costs 343,548   338,132
Current period gross write-offs, current 0    
Current period gross write-offs, one year before 0    
Current period gross write-offs, two years before 0    
Current period gross write-offs, three years before 0    
Current period gross write-offs, four years before 0    
Current period gross write-offs, prior 0    
Current period gross write-offs, revolving 0    
Charge-offs 0    
Gross loans 343,548   338,132
Residential Portfolio Segment [Member] | Home Equity Line of Credit [Member]      
Loans, current year 0    
Loans, one year before 0    
Loans, two years before 0    
Loans, three years before 0    
Loans, four years before 0    
Loans, prior 0    
Loans, revolving 91,408    
Loans, net of deferred fees and costs 91,408   93,740
Current period gross write-offs, current 0    
Current period gross write-offs, one year before 0    
Current period gross write-offs, two years before 0    
Current period gross write-offs, three years before 0    
Current period gross write-offs, four years before 0    
Current period gross write-offs, prior 0    
Current period gross write-offs, revolving 0    
Charge-offs 0    
Gross loans 91,408   93,740
Residential Portfolio Segment [Member] | Pass [Member] | Non-owner Occupied Commercial Real Estate [Member]      
Loans, net of deferred fees and costs     826,844
Gross loans     826,844
Residential Portfolio Segment [Member] | Pass [Member] | Residential [Member]      
Loans, current year 16,621    
Loans, one year before 104,345    
Loans, two years before 90,511    
Loans, three years before 26,636    
Loans, four years before 15,322    
Loans, prior 72,176    
Loans, revolving 13,107    
Loans, net of deferred fees and costs 338,718   333,124
Gross loans 338,718   333,124
Residential Portfolio Segment [Member] | Pass [Member] | Home Equity Line of Credit [Member]      
Loans, current year 0    
Loans, one year before 0    
Loans, two years before 0    
Loans, three years before 0    
Loans, four years before 0    
Loans, prior 0    
Loans, revolving 90,730    
Loans, net of deferred fees and costs 90,730   93,062
Gross loans 90,730   93,062
Residential Portfolio Segment [Member] | Special Mention [Member] | Non-owner Occupied Commercial Real Estate [Member]      
Loans, net of deferred fees and costs     239
Gross loans     239
Residential Portfolio Segment [Member] | Special Mention [Member] | Residential [Member]      
Loans, current year 0    
Loans, one year before 263    
Loans, two years before 206    
Loans, three years before 0    
Loans, four years before 321    
Loans, prior 827    
Loans, revolving 0    
Loans, net of deferred fees and costs 1,617   1,577
Gross loans 1,617   1,577
Residential Portfolio Segment [Member] | Special Mention [Member] | Home Equity Line of Credit [Member]      
Loans, current year 0    
Loans, one year before 0    
Loans, two years before 0    
Loans, three years before 0    
Loans, four years before 0    
Loans, prior 0    
Loans, revolving 0    
Loans, net of deferred fees and costs 0   0
Gross loans 0   0
Residential Portfolio Segment [Member] | Substandard [Member] | Non-owner Occupied Commercial Real Estate [Member]      
Loans, net of deferred fees and costs     645
Gross loans     645
Residential Portfolio Segment [Member] | Substandard [Member] | Residential [Member]      
Loans, current year 0    
Loans, one year before 0    
Loans, two years before 752    
Loans, three years before 134    
Loans, four years before 188    
Loans, prior 2,072    
Loans, revolving 67    
Loans, net of deferred fees and costs 3,213   3,431
Gross loans 3,213   3,431
Residential Portfolio Segment [Member] | Substandard [Member] | Home Equity Line of Credit [Member]      
Loans, current year 0    
Loans, one year before 0    
Loans, two years before 0    
Loans, three years before 0    
Loans, four years before 0    
Loans, prior 0    
Loans, revolving 678    
Loans, net of deferred fees and costs 678   678
Gross loans 678   678
Residential Portfolio Segment [Member] | Doubtful [Member] | Non-owner Occupied Commercial Real Estate [Member]      
Loans, net of deferred fees and costs     0
Gross loans     0
Residential Portfolio Segment [Member] | Doubtful [Member] | Residential [Member]      
Loans, net of deferred fees and costs     0
Gross loans     0
Residential Portfolio Segment [Member] | Doubtful [Member] | Home Equity Line of Credit [Member]      
Loans, net of deferred fees and costs     0
Gross loans     0
Consumer Portfolio Segment [Member]      
Loans, current year 1,004    
Loans, one year before 1,965    
Loans, two years before 794    
Loans, three years before 403    
Loans, four years before 224    
Loans, prior 1,824    
Loans, revolving 433    
Loans, net of deferred fees and costs 6,647   6,615
Current period gross write-offs, current 0    
Current period gross write-offs, one year before 0    
Current period gross write-offs, two years before (5)    
Current period gross write-offs, three years before 0    
Current period gross write-offs, four years before 0    
Current period gross write-offs, prior (30)    
Current period gross write-offs, revolving 0    
Charge-offs (35)   (221)
Gross loans 6,647   6,615
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]      
Loans, net of deferred fees and costs     6,599
Gross loans     6,599
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]      
Loans, net of deferred fees and costs     16
Gross loans     $ 16
Consumer Portfolio Segment [Member] | Pass [Member]      
Loans, current year 1,004    
Loans, one year before 1,962    
Loans, two years before 794    
Loans, three years before 403    
Loans, four years before 224    
Loans, prior 1,804    
Loans, revolving 432    
Loans, net of deferred fees and costs 6,623    
Gross loans 6,623    
Consumer Portfolio Segment [Member] | Special Mention [Member]      
Loans, current year 0    
Loans, one year before 0    
Loans, two years before 0    
Loans, three years before 0    
Loans, four years before 0    
Loans, prior 0    
Loans, revolving 0    
Loans, net of deferred fees and costs 0    
Gross loans 0    
Consumer Portfolio Segment [Member] | Substandard [Member]      
Loans, current year 0    
Loans, one year before 3    
Loans, two years before 0    
Loans, three years before 0    
Loans, four years before 0    
Loans, prior 20    
Loans, revolving 1    
Loans, net of deferred fees and costs 24    
Gross loans $ 24    
[1] Derived from audited consolidated financial statements
[2] Includes PPP loans, which are guaranteed by the SBA and have no related allowance.