Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | Note 3: At December 31, 2018, $5.7 eighty February 6, 2019. A summary of the major categories of loans outstanding is shown in the following tables at the dates indicated. At Decmber 31, 2018 2017 (In thousands) Commercial $ 275,080 $ 335,996 Commercial Real Estate 580,480 568,584 Construction 3,982 5,649 Residential Real Estate 44,866 65,183 Consumer Installment & Other 302,794 312,570 Total $ 1,207,202 $ 1,287,982 Total loans outstanding reported above include loans purchased from the FDIC of $58,247 $83,478 December 31, 2018 December 31, 2017, Changes in the accretable yield for purchased loans were as follows: For the Years Ended December 31, 2018 2017 Accretable yield: (In thousands) Balance at the beginning of the period $ 738 $ 1,237 Reclassification from nonaccretable difference 1,119 1,852 Accretion (1,675 ) (2,351 ) Balance at the end of the period $ 182 $ 738 Accretion $ (1,675 ) $ (2,351 ) Change in FDIC indemnification 2 192 (Increase) in interest income $ (1,673 ) $ (2,159 ) 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 $ 7,746 $ 3,849 $ 335 $ 995 $ 6,418 $ 3,666 $ 23,009 (Reversal) provision (2,369 ) 275 1,130 (126 ) 1,579 (489 ) - Chargeoffs (513 ) (240 ) - - (4,124 ) - (4,877 ) Recoveries 1,447 - - - 1,772 - 3,219 Total allowance for loan losses $ 6,311 $ 3,884 $ 1,465 $ 869 $ 5,645 $ 3,177 $ 21,351 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 (Reversal) provision (382 ) 431 (1,716 ) (335 ) 1,271 (1,169 ) (1,900 ) Chargeoffs (961 ) - - - (4,957 ) - (5,918 ) Recoveries 762 88 1,899 - 2,124 - 4,873 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 (Reversal) provision (3,237 ) (1,436 ) (83 ) (471 ) 3,155 (1,128 ) (3,200 ) Chargeoffs (2,023 ) - - - (4,749 ) - (6,772 ) Recoveries 4,028 554 - - 1,573 - 6,155 Total allowance for loan losses $ 8,327 $ 3,330 $ 152 $ 1,330 $ 7,980 $ 4,835 $ 25,954 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 Commercial Commercial Real Estate Construction Residential Real Estate Consumer Installment and Other Unallocated Total (In thousands) Allowance for loan losses: Individually evaluated for impairment $ 2,752 $ - $ - $ - $ - $ - $ 2,752 Collectively evaluated for impairment 3,559 3,884 1,465 869 5,645 3,177 18,599 Purchased loans with evidence of credit deterioration - - - - - - - Total $ 6,311 $ 3,884 $ 1,465 $ 869 $ 5,645 $ 3,177 $ 21,351 Carrying value of loans: Individually evaluated for impairment $ 9,921 $ 8,217 $ - $ 717 $ - $ - $ 18,855 Collectively evaluated for impairment 265,136 572,042 3,982 44,149 302,651 - 1,187,960 Purchased loans with evidence of credit deterioration 23 221 - - 143 - 387 Total $ 275,080 $ 580,480 $ 3,982 $ 44,866 $ 302,794 $ - $ 1,207,202 Allowance for Loan Losses and Recorded Investment in Loans Evaluated for Impairment 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 credit risk profile by internally assigned grade: Credit Risk Profile by Internally Assigned Grade Commercial Commercial Real Estate Construction Residential Real Estate Consumer Installment and Other Total (In thousands) Grade: Pass $ 264,634 $ 567,578 $ 3,982 $ 43,112 $ 300,553 $ 1,179,859 Substandard 10,446 12,902 - 1,754 1,556 26,658 Doubtful - - - - 135 135 Loss - - - - 550 550 Total $ 275,080 $ 580,480 $ 3,982 $ 44,866 $ 302,794 $ 1,207,202 Credit risk profile reflects internally assigned grades of purchased covered loans without regard to FDIC indemnification on $5,713 December 31, 2018. February 6, 2019. Credit Risk Profile by Internally Assigned Grade 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 grades of purchased covered loans without regard to FDIC indemnification on $7,766 December 31, 2017. 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 $ 274,045 $ 781 $ 254 $ - $ - $ 275,080 Commercial real estate 574,853 617 785 - 4,225 580,480 Construction 3,982 - - - - 3,982 Residential real estate 43,372 789 189 - 516 44,866 Consumer installment and other 297,601 3,408 1,107 551 127 302,794 Total $ 1,193,853 $ 5,595 $ 2,335 $ 551 $ 4,868 $ 1,207,202 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 There were no December 31, 2018 December 31, 2017. The following summarizes impaired loans: Impaired Loans 2018 2017 Recorded Unpaid Related Recorded Unpaid Related (In thousands) With no related allowance recorded: Commercial $ 755 $ 759 $ - $ 1,212 $ 1,271 $ - Commercial real estate 8,438 10,373 - 13,169 14,985 - Residential real estate 717 747 - 208 239 - Consumer installment and other 270 377 - 360 466 - Total with no related allowance recorded 10,180 12,256 - 14,949 16,961 - With an allowance recorded: Commercial 9,189 9,189 2,752 9,764 9,764 4,814 Commercial real estate - - - 1,790 1,792 171 Total with an allowance recorded 9,189 9,189 2,752 11,554 11,556 4,985 Total $ 19,369 $ 21,445 $ 2,752 $ 26,503 $ 28,517 $ 4,985 Impaired loans include troubled debt restructured loans. Impaired loans at December 31, 2018, $8,579 $4,225 December 31, 2017, $12,081 $4,285 Impaired Loans 2018 2017 2016 Average Recognized Average Recognized Average Recognized (In thousands) Commercial $ 10,532 $ 667 $ 11,156 $ 508 $ 12,923 $ 512 Commercial real estate 11,703 758 14,806 884 16,701 725 Construction - - - - 102 - Residential real estate 269 19 423 17 746 19 Consumer installment and other 254 14 415 20 473 25 Total $ 22,758 $ 1,458 $ 26,800 $ 1,429 $ 30,945 $ 1,281 The following tables provide information on troubled debt restructurings: Troubled Debt Restructurings Number of Pre-Modification Period-End Period-End ($ in thousands) Commercial 4 $ 2,274 $ 811 $ 19 Commercial real estate 8 9,237 7,568 - Residential real estate 1 241 200 - Total 13 $ 11,752 $ 8,579 $ 19 Troubled Debt Restructurings Number of Pre-Modification Period-End 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 Number of Pre-Modification Period-End 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 During the year ended December 31, 2018, not 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, 2018, one $41 December 31, 2017, one $58 no December 31, 2016. December 31, 2018, 2017 2016, no 12 ninety There were no December 31, 2018 December 31, 2017. There were no December 31, 2018 December 31, 2017. At December 31, 2018 December 31, 2017, $350 0 thousand and $1,426 $1,905 0 $516 December 31, 2018 $196 December 31, 2017. |