XML 37 R26.htm IDEA: XBRL DOCUMENT v3.20.2
Note 8 - Loans and Related Allowance for Loan and Lease Losses (Tables)
9 Months Ended
Sep. 30, 2020
Notes Tables  
Schedule Of Financing Receivable By Segment [Table Text Block]

September 30, 2020

 

Impairment Evaluation

 
  

Individually

  

Collectively

  

Total Loans

 

Loans:

            

Commercial real estate:

            

Owner occupied

 $2,300  $105,042  $107,342 

Non-owner occupied

  11,138   299,374   310,512 

Multifamily

  -   39,622   39,622 

Residential real estate

  1,225   221,012   222,237 

Commercial and industrial

  1,624   256,689   258,313 

Home equity lines of credit

  248   114,975   115,223 

Construction and other

  -   60,613   60,613 

Consumer installment

  -   10,534   10,534 

Total

 $16,535  $1,107,861  $1,124,396 

December 31, 2019

 

Impairment Evaluation

 
  

Individually

  

Collectively

  

Total Loans

 

Loans:

            

Commercial real estate:

            

Owner occupied

 $3,474  $98,912  $102,386 

Non-owner occupied

  7,084   295,096   302,180 

Multifamily

  -   62,028   62,028 

Residential real estate

  1,278   233,520   234,798 

Commercial and industrial

  882   88,645   89,527 

Home equity lines of credit

  351   111,897   112,248 

Construction and other

  -   66,680   66,680 

Consumer installment

  1   14,410   14,411 

Total

 $13,070  $971,188  $984,258 
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]

September 30, 2020

 

Ending Allowance Balance Attributable to Loans:

 
  

Individually Evaluated for Impairment

  

Collectively Evaluated for Impairment

  

Total Allocation

 

Loans:

            

Commercial real estate:

            

Owner occupied

 $10  $1,093  $1,103 

Non-owner occupied

  403   5,002   5,405 

Multifamily

  -   346   346 

Residential real estate

  21   1,350   1,371 

Commercial and industrial

  60   1,443   1,503 

Home equity lines of credit

  21   1,305   1,326 

Construction and other

  -   293   293 

Consumer installment

  -   12   12 

Total

 $515  $10,844  $11,359 

December 31, 2019

 

Ending Allowance Balance Attributable to Loans:

 
  

Individually Evaluated for Impairment

  

Collectively Evaluated for Impairment

  

Total Allocation

 

Loans:

            

Commercial real estate:

            

Owner occupied

 $45  $756  $801 

Non-owner occupied

  582   2,800   3,382 

Multifamily

  -   340   340 

Residential real estate

  28   698   726 

Commercial and industrial

  3   453   456 

Home equity lines of credit

  2   930   932 

Construction and other

  -   103   103 

Consumer installment

  -   28   28 

Total

 $660  $6,108  $6,768 
Impaired Financing Receivables [Table Text Block]

September 30, 2020

 

Impaired Loans

 
      

Unpaid

     
  

Recorded

  Principal  

Related

 
  

Investment

  Balance  

Allowance

 

With no related allowance recorded:

            

Commercial real estate:

            

Owner occupied

 $1,844  $1,863  $- 

Non-owner occupied

  7,518   7,518   - 

Residential real estate

  797   927   - 

Commercial and industrial

  1,336   1,833   - 

Home equity lines of credit

  81   93   - 

Total

 $11,576  $12,234  $- 
             

With an allowance recorded:

            

Commercial real estate:

            

Owner occupied

 $456  $456  $10 

Non-owner occupied

  3,620   3,894   403 

Residential real estate

  428   428   21 

Commercial and industrial

  288   288   60 

Home equity lines of credit

  167   167   21 

Total

 $4,959  $5,233  $515 
             

Total:

            

Commercial real estate:

            

Owner occupied

 $2,300  $2,319  $10 

Non-owner occupied

  11,138   11,412   403 

Residential real estate

  1,225   1,355   21 

Commercial and industrial

  1,624   2,121   60 

Home equity lines of credit

  248   260   21 

Total

 $16,535  $17,467  $515 

December 31, 2019

 

Impaired Loans

 
      

Unpaid

     
  

Recorded

  Principal  

Related

 
  

Investment

  Balance  

Allowance

 

With no related allowance recorded:

            

Commercial real estate:

            

Owner occupied

 $1,772  $1,772  $- 

Non-owner occupied

  3,845   3,845   - 

Residential real estate

  759   829   - 

Commercial and industrial

  747   1,524   - 

Home equity lines of credit

  220   228   - 

Consumer installment

  1   1   - 

Total

 $7,344  $8,199  $- 
             

With an allowance recorded:

            

Commercial real estate:

            

Owner occupied

 $1,702  $1,713  $45 

Non-owner occupied

  3,239   3,239   582 

Residential real estate

  519   569   28 

Commercial and industrial

  135   135   3 

Home equity lines of credit

  131   131   2 

Total

 $5,726  $5,787  $660 
             

Total:

            

Commercial real estate:

            

Owner occupied

 $3,474  $3,485  $45 

Non-owner occupied

  7,084   7,084   582 

Residential real estate

  1,278   1,398   28 

Commercial and industrial

  882   1,659   3 

Home equity lines of credit

  351   359   2 

Consumer installment

  1   1   - 

Total

 $13,070  $13,986  $660 
Schedule of Additional Information Related to Impaired Loans [Table Text Block]
  

For the Three Months Ended

September 30, 2020

  

For the Nine Months Ended

September 30, 2020

 
  

Average

Recorded

Investment

  

Interest

Income

Recognized

  

Average

Recorded

Investment

  

Interest

Income

Recognized

 
                 

Commercial real estate:

                

Owner occupied

 $2,893  $-  $3,173  $55 

Non-owner occupied

  12,912   129   9,988   387 

Residential real estate

  1,242   14   1,229   39 

Commercial and industrial

  1,376   28   1,136   49 

Home equity lines of credit

  298   1   323   5 

Consumer installment

  -   -   1   - 

Total

 $18,721  $172  $15,850  $535 
  

For the Three Months Ended

September 30, 2019

  

For the Nine Months Ended

September 30, 2019

 
  

Average

Recorded

Investment

  

Interest

Income

Recognized

  

Average

Recorded

Investment

  

Interest

Income

Recognized

 
                 

Commercial real estate:

                

Owner occupied

 $3,548  $35  $3,891  $107 

Non-owner occupied

  7,796   60   6,426   179 

Residential real estate

  1,632   14   1,713   37 

Commercial and industrial

  1,786   20   1,992   44 

Home equity lines of credit

  150   -   134   1 

Construction and other

  -   -   810   - 

Consumer installment

  2   -   2   - 

Total

 $14,914  $129  $14,968  $368 
Financing Receivable Credit Quality Indicators [Table Text Block]
      

Special

          

Total

 

September 30, 2020

 

Pass

  

Mention

  

Substandard

  

Doubtful

  

Loans

 
                     

Commercial real estate:

                    

Owner occupied

 $101,389  $3,751  $2,202  $-  $107,342 

Non-owner occupied

  283,379   1,761   25,372   -   310,512 

Multifamily

  39,622   -   -   -   39,622 

Residential real estate

  218,450   270   3,517   -   222,237 

Commercial and industrial

  253,197   2,620   2,496   -   258,313 

Home equity lines of credit

  113,884   -   1,339   -   115,223 

Construction and other

  60,613   -   -   -   60,613 

Consumer installment

  10,522   -   12   -   10,534 

Total

 $1,081,056  $8,402  $34,938  $-  $1,124,396 
      

Special

          

Total

 

December 31, 2019

 

Pass

  

Mention

  

Substandard

  

Doubtful

  

Loans

 
                     

Commercial real estate:

                    

Owner occupied

 $95,518  $3,951  $2,917  $-  $102,386 

Non-owner occupied

  292,192   3,038   6,950   -   302,180 

Multifamily

  62,028   -   -   -   62,028 

Residential real estate

  231,633   420   2,745   -   234,798 

Commercial and industrial

  84,136   3,619   1,772   -   89,527 

Home equity lines of credit

  111,354   -   894   -   112,248 

Construction and other

  66,680   -   -   -   66,680 

Consumer installment

  14,398   -   13   -   14,411 

Total

 $957,939  $11,028  $15,291  $-  $984,258 
Financing Receivable, Past Due [Table Text Block]
      

30-59 Days

  

60-89 Days

  

90 Days+

  

Total

  

Total

 

September 30, 2020

 

Current

  

Past Due

  

Past Due

  

Past Due

  

Past Due

  

Loans

 
                         

Commercial real estate:

                        

Owner occupied

 $106,416  $61  $177  $688  $926  $107,342 

Non-owner occupied

  306,800   2,379   739   594   3,712   310,512 

Multifamily

  39,622   -   -   -   -   39,622 

Residential real estate

  219,234   1,224   342   1,437   3,003   222,237 

Commercial and industrial

  257,784   320   127   82   529   258,313 

Home equity lines of credit

  115,025   93   55   50   198   115,223 

Construction and other

  60,613   -   -   -   -   60,613 

Consumer installment

  10,169   170   5   190   365   10,534 

Total

 $1,115,663  $4,247  $1,445  $3,041  $8,733  $1,124,396 
      

30-59 Days

  

60-89 Days

  

90 Days+

  

Total

  

Total

 

December 31, 2019

 

Current

  

Past Due

  

Past Due

  

Past Due

  

Past Due

  

Loans

 
                         

Commercial real estate:

                        

Owner occupied

 $101,264  $64  $-  $1,058  $1,122  $102,386 

Non-owner occupied

  298,941   -   -   3,239   3,239   302,180 

Multifamily

  62,028   -   -   -   -   62,028 

Residential real estate

  232,518   1,439   34   807   2,280   234,798 

Commercial and industrial

  88,965   190   66   306   562   89,527 

Home equity lines of credit

  111,792   274   29   153   456   112,248 

Construction and other

  66,680   -   -   -   -   66,680 

Consumer installment

  13,378   622   216   195   1,033   14,411 

Total

 $975,566  $2,589  $345  $5,758  $8,692  $984,258 
Financing Receivable, Nonaccrual [Table Text Block]

September 30, 2020

 

Nonaccrual

  

 90+ Days Past Due 

and Accruing 

 
         

Commercial real estate:

        

Owner occupied

 $1,138  $- 

Non-owner occupied

  594   - 

Residential real estate

  3,462   - 

Commercial and industrial

  400   - 

Home equity lines of credit

  859   - 

Consumer installment

  237   - 

Total

 $6,690  $- 

December 31, 2019

 

Nonaccrual

  

 90+ Days Past Due

and Accruing 

 
         

Commercial real estate:

        

Owner occupied

 $1,162  $- 

Non-owner occupied

  3,289   - 

Residential real estate

  2,576   - 

Commercial and industrial

  946   - 

Home equity lines of credit

  709   - 

Consumer installment

  197   - 

Total

 $8,879  $- 
  

For the nine months ended September 30, 2020

 
  

Allowance for Loan and Lease Losses

 
  

Balance

              

Balance

 
  

December 31, 2019

  

Charge-offs

  

Recoveries

  

Provision

  

September 30, 2020

 

Loans:

                    

Commercial real estate:

                    

Owner occupied

 $801  $(50) $15  $337  $1,103 

Non-owner occupied

  3,382   (3,022)  73   4,972   5,405 

Multifamily

  340   -   -   6   346 

Residential real estate

  726   (51)  30   666   1,371 

Commercial and industrial

  456   (185)  268   964   1,503 

Home equity lines of credit

  932   (54)  65   383   1,326 

Construction and other

  103   -   146   44   293 

Consumer installment

  28   (396)  12   368   12 

Total

 $6,768  $(3,758) $609  $7,740  $11,359 
  

For the nine months ended September 30, 2019

 
  

Allowance for Loan and Lease Losses

 
  

Balance

              

Balance

 
  

December 31, 2018

  

Charge-offs

  

Recoveries

  

Provision

  

September 30, 2019

 

Loans:

                    

Commercial real estate:

                    

Owner occupied

 $1,315  $(31) $3  $(450) $837 

Non-owner occupied

  2,862   -   -   622   3,484 

Multifamily

  474   -   -   (85)  389 

Residential real estate

  761   (361)  44   288   732 

Commercial and industrial

  969   (393)  55   (242)  389 

Home equity lines of credit

  820   (156)  28   249   941 

Construction and other

  100   -   57   (52)  105 

Consumer installment

  127   (110)  7   100   124 

Total

 $7,428  $(1,051) $194  $430  $7,001 
  

For the three months ended September 30, 2020

 
  

Allowance for Loan and Lease Losses

 
  

Balance

              

Balance

 
  

June 30, 2020

  

Charge-offs

  

Recoveries

  

Provision

  

September 30, 2020

 

Loans:

                    

Commercial real estate:

                    

Owner occupied

 $1,038  $-  $1  $64  $1,103 

Non-owner occupied

  5,159   (3,021)  -   3,267   5,405 

Multifamily

  291   -   -   55   346 

Residential real estate

  1,167   -   -   204   1,371 

Commercial and industrial

  1,105   (16)  29   385   1,503 

Home equity lines of credit

  1,203   -   49   74   1,326 

Construction and other

  236   -   111   (54)  293 

Consumer installment

  11   (6)  2   5   12 

Total

 $10,210  $(3,043) $192  $4,000  $11,359 
  

For the three months ended September 30, 2019

 
  

Allowance for Loan and Lease Losses

 
  

Balance

              

Balance

 
  

June 30, 2019

  

Charge-offs

  

Recoveries

  

Provision

  

September 30, 2019

 

Loans:

                    

Commercial real estate:

                    

Owner occupied

 $866  $-  $1  $(30) $837 

Non-owner occupied

  3,588   -   -   (104)  3,484 

Multifamily

  412   -   -   (23)  389 

Residential real estate

  747   (360)  4   341   732 

Commercial and industrial

  539   (38)  16   (128)  389 

Home equity lines of credit

  936   (18)  22   1   941 

Construction and other

  97   -   11   (3)  105 

Consumer installment

  119   (22)  1   26   124 

Total

 $7,304  $(438) $55  $80  $7,001 
Financing Receivable, Troubled Debt Restructuring [Table Text Block]
  

For the Three Months Ended

 
  

September 30, 2020

 
  

Number of Contracts

  

Pre-Modification

  

Post-Modification

 
  

Term

          Outstanding Recorded  Outstanding Recorded 
Troubled Debt Restructurings Modification  

Other

  

Total

  Investment  Investment 

Residential real estate

  1   -   1  $115  $115 

Commercial and industrial

  1   -   1   2   2 
  

For the Nine Months Ended

 
  

September 30, 2020

 
  

Number of Contracts

  

Pre-Modification

  

Post-Modification

 
  

Term

          Outstanding Recorded  Outstanding Recorded 
Troubled Debt Restructurings Modification  

Other

  

Total

  Investment  Investment 

Residential real estate

  3   -   3  $156  $156 

Commercial and industrial

  3   -   3   120   119 
  

For the Three Months Ended

 
  

September 30, 2019

 
  

Number of Contracts

  

Pre-Modification

  

Post-Modification

 
  

Term

          Outstanding Recorded  Outstanding Recorded 
Troubled Debt Restructurings Modification  

Other

  

Total

  Investment  Investment 

Residential real estate

  -   1   1  $38  $38 
  

For the Nine Months Ended

 
  

September 30, 2019

 
  

Number of Contracts

  

Pre-Modification

  

Post-Modification

 
  

Term

          Outstanding Recorded  Outstanding Recorded 
Troubled Debt Restructurings Modification  

Other

  

Total

  Investment  Investment 

Residential real estate

  0   2   2  $123  $178