Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | Note 3: A summary of the major categories of loans outstanding is shown in the following tables at the dates indicated. At December 31, 2017 2016 (In thousands) Commercial $ 335,996 $ 354,697 Commercial Real Estate 568,584 542,171 Construction 5,649 2,555 Residential Real Estate 65,183 87,724 Consumer Installment & Other 312,570 365,564 Total $ 1,287,982 $ 1,352,711 Total loans outstanding reported above include loans purchased from the FDIC of $83,478 $121,210 December 31, 2017 December 31, 2016, Changes in the accretable yield for purchased loans were as follows: For the Years Ended December 31, 2017 2016 Accretable yield: (In thousands) Balance at the beginning of the period $ 1,237 $ 1,259 Reclassification from nonaccretable difference 1,852 3,912 Accretion (2,351 ) (3,934 ) Balance at the end of the period $ 738 $ 1,237 Accretion $ (2,351 ) $ (3,934 ) Change in FDIC indemnification 192 1,053 (Increase) in interest income $ (2,159 ) $ (2,881 ) The following summarizes activity in the allowance for loan losses: Allowance for Loan Losses Commercial Commercial Construction Residential Consumer Unallocated Total (In thousands) Allowance for loan losses: Balance at beginning of period $ 8,327 $ 3,330 $ 152 $ 1,330 $ 7,980 $ 4,835 $ 25,954 Additions: (Reversal) provision (382 ) 431 (1,716 ) (335 ) 1,271 (1,169 ) (1,900 ) Deductions: Chargeoffs (961 ) - - - (4,957 ) - (5,918 ) Recoveries 762 88 1,899 - 2,124 - 4,873 Net loan (losses) recoveries (199 ) 88 1,899 - (2,833 ) - (1,045 ) Total allowance for loan losses $ 7,746 $ 3,849 $ 335 $ 995 $ 6,418 $ 3,666 $ 23,009 Allowance for Credit Losses Commercial Commercial Construction Residential Consumer Unallocated Total (In thousands) Allowance for loan losses: Balance at beginning of period $ 9,559 $ 4,212 $ 235 $ 1,801 $ 8,001 $ 5,963 $ 29,771 Additions: (Reversal) provision (3,237 ) (1,436 ) (83 ) (471 ) 3,155 (1,128 ) (3,200 ) Deductions: Chargeoffs (2,023 ) - - - (4,749 ) - (6,772 ) Recoveries 4,028 554 - - 1,573 - 6,155 Net loan recoveries (losses) 2,005 554 - - (3,176 ) - (617 ) Total allowance for loan losses $ 8,327 $ 3,330 $ 152 $ 1,330 $ 7,980 $ 4,835 $ 25,954 Allowance for Loan Losses For the Year Ended December 31, 2015 Commercial Commercial Construction Residential Consumer Unallocated Total (In thousands) Allowance for loan losses: Balance at beginning of period $ 5,460 $ 4,245 $ 654 $ 2,241 $ 9,827 $ 9,058 $ 31,485 Additions: Provision (reversal) 3,681 126 (33 ) (440 ) (239 ) (3,095 ) - Deductions: Chargeoffs (756 ) (449 ) (431 ) - (3,493 ) - (5,129 ) Recoveries 1,174 290 45 - 1,906 - 3,415 Net loan recoveries (losses) 418 (159 ) (386 ) - (1,587 ) - (1,714 ) Total allowance for loan losses $ 9,559 $ 4,212 $ 235 $ 1,801 $ 8,001 $ 5,963 $ 29,771 The allowance for loan losses and recorded investment in loans evaluated for impairment were as follows: Allowance for Loan Losses and Recorded Investment in Loans Evaluated for Impairment At December 31, 2017 Commercial Commercial Construction Residential Real Estate Consumer Installment and Other Unallocated Total (In thousands) Allowance for loan losses: Individually evaluated for impairment $ 4,814 $ 171 $ - $ - $ - $ - $ 4,985 Collectively evaluated for impairment 2,932 3,678 335 995 6,418 3,666 18,024 Purchased loans with evidence of credit deterioration - - - - - - - Total $ 7,746 $ 3,849 $ 335 $ 995 $ 6,418 $ 3,666 $ 23,009 Carrying value of loans: Individually evaluated for impairment $ 10,675 $ 14,234 $ - $ 208 $ - $ - $ 25,117 Collectively evaluated for impairment 325,291 553,769 5,649 64,975 312,406 - 1,262,090 Purchased loans with evidence of credit deterioration 30 581 - - 164 - 775 Total $ 335,996 $ 568,584 $ 5,649 $ 65,183 $ 312,570 $ - $ 1,287,982 Allowance for Loan Losses and Recorded Investment in Loans Evaluated for Impairment At December 31, 2016 Commercial Commercial Real Estate Construction Residential Real Estate Consumer Installment and Other Unallocated Total (In thousands) Allowance for loan losses: Individually evaluated for impairment $ 5,048 $ - $ - $ - $ - $ - $ 5,048 Collectively evaluated for impairment 3,279 3,330 152 1,330 7,980 4,835 20,906 Purchased loans with evidence of credit deterioration - - - - - - - Total $ 8,327 $ 3,330 $ 152 $ 1,330 $ 7,980 $ 4,835 $ 25,954 Carrying value of loans: Individually evaluated for impairment $ 11,174 $ 12,706 $ - $ 835 $ - $ - $ 24,715 Collectively evaluated for impairment 343,494 528,957 2,555 86,889 365,236 - 1,327,131 Purchased loans with evidence of credit deterioration 29 508 - - 328 - 865 Total $ 354,697 $ 542,171 $ 2,555 $ 87,724 $ 365,564 $ - $ 1,352,711 The Bank’s customers are small businesses, professionals and consumers. Given the scale of these borrowers, corporate credit rating agencies do not The following summarizes the credit risk profile by internally assigned grade: Credit Risk Profile by Internally Assigned Grade At December 31, 2017 Commercial Commercial Real Estate Construction Residential Real Estate Consumer Installment and Other Total (In thousands) Grade: Pass $ 324,185 $ 548,853 $ 5,649 $ 62,253 $ 310,429 $ 1,251,369 Substandard 11,811 19,731 - 2,930 1,370 35,842 Doubtful - - - - 1 1 Loss - - - - 770 770 Total $ 335,996 $ 568,584 $ 5,649 $ 65,183 $ 312,570 $ 1,287,982 Credit risk profile reflects internally assigned grade of purchased covered loans without regard to FDIC indemnification. Credit Risk Profile by Internally Assigned Grade At December 31, 2016 Commercial Commercial Real Estate Construction Residential Real Estate Consumer Installment and Other Total (In thousands) Grade: Pass $ 340,973 $ 515,045 $ 2,555 $ 84,384 $ 362,597 $ 1,305,554 Substandard 13,724 25,830 - 3,340 2,477 45,371 Doubtful - 1,296 - - 10 1,306 Loss - - - - 480 480 Total $ 354,697 $ 542,171 $ 2,555 $ 87,724 $ 365,564 $ 1,352,711 Credit risk profile reflects internally assigned grade of purchased covered loans without regard to FDIC indemnification. The following tables summarize loans by delinquency and nonaccrual status: Summary of Loans by Delinquency and Nonaccrual Status Current and Accruing 30-59 Days Past Due and Accruing 60-89 Days Past Due and Accruing Past Due 90 Days or More and Accruing Nonaccrual Total Loans (In thousands) Commercial $ 334,908 $ 627 $ 164 $ - $ 297 $ 335,996 Commercial real estate 561,883 1,143 125 - 5,433 568,584 Construction 5,649 - - - - 5,649 Residential real estate 65,183 - - - - 65,183 Consumer installment and other 307,445 3,321 1,077 531 196 312,570 Total $ 1,275,068 $ 5,091 $ 1,366 $ 531 $ 5,926 $ 1,287,982 Summary of Loans by Delinquency and Nonaccrual Status Current and Accruing 30-59 Days Past Due and Accruing 60-89 Days Past Due and Accruing Past Due 90 Days or More and Accruing Nonaccrual Total Loans (In thousands) Commercial $ 353,497 $ 966 $ 40 $ - $ 194 $ 354,697 Commercial real estate 533,377 1,460 445 - 6,889 542,171 Construction 2,329 226 - - - 2,555 Residential real estate 86,098 528 37 - 1,061 87,724 Consumer installment and other 360,549 3,288 989 497 241 365,564 Total $ 1,335,850 $ 6,468 $ 1,511 $ 497 $ 8,385 $ 1,352,711 There were no December 31, 2017 December 31, 2016. The following summarizes impaired loans: Impaired Loans 2017 2016 Recorded Unpaid Related Recorded Unpaid Related (In thousands) With no related allowance recorded: Commercial $ 1,212 $ 1,271 $ - $ 1,234 $ 1,303 $ - Commercial real estate 13,169 14,985 - 13,233 15,610 - Residential real estate 208 239 - 1,279 1,309 - Consumer installment and other 360 466 - 569 675 - Total with no related allowance recorded 14,949 16,961 - 16,315 18,897 - With an allowance recorded: Commercial 9,764 9,764 4,814 10,163 10,172 5,048 Commercial real estate 1,790 1,792 171 - - - Total with an allowance recorded 11,554 11,556 4,985 10,163 10,172 5,048 Total $ 26,503 $ 28,517 $ 4,985 $ 26,478 $ 29,069 $ 5,048 Impaired loans include troubled debt restructured loans. Impaired loans at December 31, 2017, $12,081 $4,285 December 31, 2016, $12,381 $5,302 Impaired Loans 2017 2016 2015 Average Recognized Average Recognized Average Recognized (In thousands) Commercial $ 11,156 $ 508 $ 12,923 $ 512 $ 12,631 $ 584 Commercial real estate 14,806 884 16,701 725 20,307 674 Construction - - 102 - 263 - Residential real estate 423 17 746 19 643 31 Consumer installment and other 415 20 473 25 739 25 Total $ 26,800 $ 1,429 $ 30,945 $ 1,281 $ 34,583 $ 1,314 The following tables provide information on troubled debt restructurings: Troubled Debt Restructurings Period-End ($ in thousands) Commercial 7 $ 2,393 $ 1,085 $ 43 Commercial real estate 10 11,528 10,788 - Residential real estate 1 241 208 - Total 18 $ 14,162 $ 12,081 $ 43 Troubled Debt Restructurings Period-End ($ in thousands) Commercial 7 $ 2,719 $ 1,489 $ 113 Commercial real estate 10 11,257 10,673 - Residential real estate 1 241 219 - Total 18 $ 14,217 $ 12,381 $ 113 Troubled Debt Restructurings Period-End ($ in thousands) Commercial 6 $ 3,138 $ 2,802 $ 194 Commercial real estate 10 12,927 12,684 - Residential real estate 1 242 226 - Total 17 $ 16,307 $ 15,712 $ 194 During the year ended December 31, 2017, four $699 four 2017 During the year ended December 31, 2016, four $4,731 four 2016 three one During the year ended December 31, 2015, ten $11,026 2015 four six During the year ended December 31, 2017, one $58 no December 31, 2016 2015. December 31, 2017, 2016 2015, no 12 ninety There were no December 31, 2017 December 31, 2016. There were no December 31, 2017 December 31, 2016. At December 31, 2017 2016, $1,426 $1,905 $3,095 $1,816 0 $196 December 31, 2017. no December 31, 2016. |