Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | Note 4: A summary of the major categories of loans outstanding is shown in the following table at the dates indicated. At June 30, At December 31, 2018 2017 (In thousands) Commercial $ 288,499 $ 335,996 Commercial Real Estate 552,294 568,584 Construction 3,254 5,649 Residential Real Estate 54,030 65,183 Consumer Installment & Other 302,115 312,570 Total $ 1,200,192 $ 1,287,982 Total loans outstanding reported above include loans purchased from the FDIC of $70,835 $83,478 June 30, 2018 December 31, 2017, Changes in the accretable yield for purchased loans were as follows: For the For the Six Months Ended Year Ended June 30, 2018 December 31, 2017 Accretable yield: (In thousands) Balance at the beginning of the period $ 738 $ 1,237 Reclassification from nonaccretable difference 696 1,852 Accretion (1,114 ) (2,351 ) Balance at the end of the period $ 320 $ 738 Accretion $ (1,114 ) $ (2,351 ) Change in FDIC indemnification 2 192 (Increase) in interest income $ (1,112 ) $ (2,159 ) The following summarizes activity in the allowance for loan losses: Allowance for Loan Losses For the Three Months Ended June 30, 2018 Consumer Commercial Residential Installment Commercial Real Estate Construction Real Estate and Other Unallocated Total (In thousands) Allowance for loan losses: Balance at beginning of period $ 8,517 $ 3,824 $ 175 $ 908 $ 5,739 $ 3,918 $ 23,081 (Reversal) provision (662 ) (35 ) 35 156 665 (159 ) - Chargeoffs - - - - (805 ) - (805 ) Recoveries 420 - - - 344 - 764 Total allowance for loan losses $ 8,275 $ 3,789 $ 210 $ 1,064 $ 5,943 $ 3,759 $ 23,040 Allowance for Loan Losses For the Six Months Ended June 30, 2018 Consumer Commercial Residential Installment Commercial Real Estate Construction Real Estate and Other Unallocated Total (In thousands) Allowance for loan losses: Balance at beginning of period $ 7,746 $ 3,849 $ 335 $ 995 $ 6,418 $ 3,666 $ 23,009 (Reversal) provision (679 ) (60 ) (125 ) 69 702 93 - Chargeoffs (41 ) - - - (2,170 ) - (2,211 ) Recoveries 1,249 - - - 993 - 2,242 Total allowance for loan losses $ 8,275 $ 3,789 $ 210 $ 1,064 $ 5,943 $ 3,759 $ 23,040 Allowance for Loan Losses For the Three Months Ended June 30, 2017 Consumer Commercial Residential Installment Commercial Real Estate Construction Real Estate and Other Unallocated Total (In thousands) Allowance for loan losses: Balance at beginning of period $ 8,593 $ 3,522 $ 112 $ 1,214 $ 6,984 $ 4,494 $ 24,919 (Reversal) provision (38 ) (55 ) (1,851 ) (109 ) 736 (583 ) (1,900 ) Chargeoffs (726 ) - - - (1,158 ) - (1,884 ) Recoveries 338 78 1,899 - 653 - 2,968 Total allowance for loan losses $ 8,167 $ 3,545 $ 160 $ 1,105 $ 7,215 $ 3,911 $ 24,103 Allowance for Loan Losses For the Six Months Ended June 30, 2017 Consumer Commercial Residential Installment Commercial Real Estate Construction Real Estate and Other 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 Provision (reversal) 171 127 (1,891 ) (225 ) 842 (924 ) (1,900 ) Chargeoffs (829 ) - - - (2,897 ) - (3,726 ) Recoveries 498 88 1,899 - 1,290 - 3,775 Total allowance for loan losses $ 8,167 $ 3,545 $ 160 $ 1,105 $ 7,215 $ 3,911 $ 24,103 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 June 30, 2018 Commercial Commercial Real Estate Construction Residential Real Estate Consumer Installment and Other Unallocated Total (In thousands) Allowance for loan losses: Individually evaluated for impairment $ 4,720 $ 168 $ - $ - $ - $ - $ 4,888 Collectively evaluated for impairment 3,555 3,621 210 1,064 5,943 3,759 18,152 Purchased loans with evidence of credit deterioration - - - - - - - Total $ 8,275 $ 3,789 $ 210 $ 1,064 $ 5,943 $ 3,759 $ 23,040 Carrying value of loans: Individually evaluated for impairment $ 10,328 $ 10,338 $ - $ 204 $ - $ - $ 20,870 Collectively evaluated for impairment 278,137 541,729 3,254 53,826 301,962 - 1,178,908 Purchased loans with evidence of credit deterioration 34 227 - - 153 - 414 Total $ 288,499 $ 552,294 $ 3,254 $ 54,030 $ 302,115 $ - $ 1,200,192 Allowance for Loan Losses and Recorded Investment in Loans Evaluated for Impairment At December 31, 2017 Commercial Commercial Real Estate 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 The Company’s customers are small businesses, professionals and consumers. Given the scale of these borrowers, corporate credit rating agencies do not The following summarizes the loan credit risk profile by internally assigned grade: Loan Credit Risk Profile by Internally Assigned Grade At June 30, 2018 Commercial Commercial Construction Residential Consumer Total (In thousands) Grade: Pass $ 276,492 $ 536,256 $ 3,254 $ 52,960 $ 300,173 $ 1,169,135 Substandard 12,007 16,038 - 1,070 1,645 30,760 Doubtful - - - - 105 105 Loss - - - - 192 192 Total $ 288,499 $ 552,294 $ 3,254 $ 54,030 $ 302,115 $ 1,200,192 Credit risk profile reflects internally assigned grade of purchased covered loans without regard to FDIC indemnification on $6,473 Loan Credit Risk Profile by Internally Assigned Grade At December 31, 2017 Commercial Commercial Construction Residential Consumer 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 on $7,766 The following tables summarize loans by delinquency and nonaccrual status: Summary of Loans by Delinquency and Nonaccrual Status At June 30, 2018 Current and 30-59 Days 60-89 Days Past Due 90 Nonaccrual Total Loans (In thousands) Commercial $ 287,123 $ 899 $ 253 $ - $ 224 $ 288,499 Commercial real estate 543,502 3,320 803 - 4,669 552,294 Construction 3,254 - - - - 3,254 Residential real estate 53,099 - 931 - - 54,030 Consumer installment and other 298,436 2,779 707 193 - 302,115 Total $ 1,185,414 $ 6,998 $ 2,694 $ 193 $ 4,893 $ 1,200,192 Summary of Loans by Delinquency and Nonaccrual Status At December 31, 2017 Current and 30-59 Days 60-89 Days Past Due 90 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 There were no June 30, 2018 December 31, 2017. The following summarizes impaired loans: Impaired Loans At June 30, At December 31, 2018 2017 Unpaid Unpaid Recorded Principal Related Recorded Principal Related Investment Balance Allowance Investment Balance Allowance (In thousands) With no related allowance recorded: Commercial $ 1,065 $ 1,107 $ - $ 1,212 $ 1,271 $ - Commercial real estate 9,359 11,067 - 13,169 14,985 - Residential real estate 204 234 - 208 239 - Consumer installment and other 153 260 - 360 466 - Total with no related allowance recorded 10,781 12,668 - 14,949 16,961 - With an allowance recorded: Commercial 9,496 9,496 4,720 9,764 9,764 4,814 Commercial real estate 1,765 1,767 168 1,790 1,792 171 Total with an allowance recorded 11,261 11,263 4,888 11,554 11,556 4,985 Total $ 22,042 $ 23,931 $ 4,888 $ 26,503 $ 28,517 $ 4,985 Impaired loans include troubled debt restructured loans. Impaired loans at June 30, 2018, $9,089 $4,134 December 31, 2017, $12,081 $4,285 Impaired Loans For the Three Months Ended June 30, For the Six Months Ended June 30, 2018 2017 2018 2017 Average Recognized Average Recognized Average Recognized Average Recognized Recorded Interest Recorded Interest Recorded Interest Recorded Interest Investment Income Investment Income Investment Income Investment Income (In thousands) Commercial $ 10,689 $ 145 $ 11,194 $ 118 $ 10,793 $ 320 $ 11,243 $ 236 Commercial real estate 11,837 211 15,297 224 12,796 426 14,898 461 Residential real estate 205 4 368 5 206 8 558 9 Consumer installment and other 254 3 514 7 305 6 529 14 Total $ 22,985 $ 363 $ 27,373 $ 354 $ 24,100 $ 760 $ 27,228 $ 720 The following tables provide information on troubled debt restructurings: Troubled Debt Restructurings At June 30, 2018 Period-End Individual Number of Pre-Modification Period-End Impairment Contracts Carrying Value Carrying Value Allowance ($ in thousands) Commercial 6 $ 2,377 $ 978 $ 36 Commercial real estate 8 9,237 7,907 - Residential real estate 1 241 204 - Total 15 $ 11,855 $ 9,089 $ 36 Troubled Debt Restructurings At December 31, 2017 Period-End Individual Number of Pre-Modification Period-End Impairment Contracts Carrying Value Carrying Value Allowance ($ 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 During the three six June 30, 2018, not three six June 30, 2017, one $407 three $680 first six 2017 no three six June 30, 2018 2017. three six June 30, 2018 2017, no 12 ninety There were no June 30, 2018 December 31, 2017. There were no June 30, 2018 December 31, 2017. At June 30, 2018 December 31, 2017, $939 $1,264 $1,426 $1,905 - 0 June 30, 2018 December 31, 2017 no |