Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | Note 4: At December 31, 2018, February 6, 2019. A summary of the major categories of loans outstanding is shown in the following tables at the dates indicated. At June 30, At December 31, 2019 2018 (In thousands) Commercial $ 243,577 $ 275,080 Commercial Real Estate 577,665 580,480 Construction 5,482 3,982 Residential Real Estate 37,813 44,866 Consumer Installment & Other 297,175 302,794 Total $ 1,161,712 $ 1,207,202 Total loans outstanding at December 31, 2018, Changes in the accretable yield for purchased loans were as follows: For the For the Six Months Ended Year Ended June 30, 2019 December 31, 2018 Accretable yield: (In thousands) Balance at the beginning of the period $ 182 $ 738 Reclassification from nonaccretable difference 1,103 1,119 Accretion (257 ) (1,675 ) Balance at the end of the period $ 1,028 $ 182 Accretion $ (257 ) $ (1,675 ) Change in FDIC indemnification - 2 (Increase) in interest income $ (257 ) $ (1,673 ) The following summarizes activity in the allowance for loan losses: Allowance for Loan Losses For the Three Months Ended June 30, 2019 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 $ 6,506 $ 3,927 $ 853 $ 261 $ 5,481 $ 3,449 $ 20,477 (Reversal) provision (1,346 ) 116 264 (23 ) 386 603 - Chargeoffs (48 ) - - - (925 ) - (973 ) Recoveries 123 14 - - 476 - 613 Total allowance for loan losses $ 5,235 $ 4,057 $ 1,117 $ 238 $ 5,418 $ 4,052 $ 20,117 Allowance for Loan Losses For the Six Months Ended June 30, 2019 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 $ 6,311 $ 3,884 $ 1,465 $ 869 $ 5,645 $ 3,177 $ 21,351 (Reversal) provision (1,221 ) 147 (348 ) (631 ) 1,178 875 - Chargeoffs (71 ) - - - (2,293 ) - (2,364 ) Recoveries 216 26 - - 888 - 1,130 Total allowance for loan losses $ 5,235 $ 4,057 $ 1,117 $ 238 $ 5,418 $ 4,052 $ 20,117 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 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, 2019 Commercial Commercial Real Estate Construction Residential Real Estate Consumer Installment and Other Unallocated Total (In thousands) Allowance for loan losses: Individually evaluated for impairment $ 2,587 $ - $ - $ - $ - $ - $ 2,587 Collectively evaluated for impairment 2,648 4,057 1,117 238 5,418 4,052 17,530 Total $ 5,235 $ 4,057 $ 1,117 $ 238 $ 5,418 $ 4,052 $ 20,117 Carrying value of loans: Individually evaluated for impairment $ 9,368 $ 6,531 $ - $ 195 $ 77 $ - $ 16,171 Collectively evaluated for impairment 234,209 571,134 5,482 37,618 297,098 - 1,145,541 Total $ 243,577 $ 577,665 $ 5,482 $ 37,813 $ 297,175 $ - $ 1,161,712 Allowance for Loan Losses and Recorded Investment in Loans Evaluated for Impairment At December 31, 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 $ 2,752 $ - $ - $ - $ - $ - $ 2,752 Collectively evaluated for impairment 3,559 3,884 1,465 869 5,645 3,177 18,599 Total $ 6,311 $ 3,884 $ 1,465 $ 869 $ 5,645 $ 3,177 $ 21,351 Carrying value of loans: Individually evaluated for impairment $ 9,944 $ 8,438 $ - $ 717 $ 143 $ - $ 19,242 Collectively evaluated for impairment 265,136 572,042 3,982 44,149 302,651 - 1,187,960 Total $ 275,080 $ 580,480 $ 3,982 $ 44,866 $ 302,794 $ - $ 1,207,202 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 At June 30, 2019 Commercial Commercial Real Estate Construction Residential Real Estate Consumer Installment and Other Total (In thousands) Grade: Pass $ 234,053 $ 566,359 $ 5,482 $ 36,076 $ 295,177 $ 1,137,147 Substandard 9,524 11,306 - 1,737 1,551 24,118 Doubtful - - - - 271 271 Loss - - - - 176 176 Total $ 243,577 $ 577,665 $ 5,482 $ 37,813 $ 297,175 $ 1,161,712 Credit Risk Profile by Internally Assigned Grade At December 31, 2018 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 thousand in loans secured by residential real estate at December 31, 2018. February 6, 2019. The following tables summarize loans by delinquency and nonaccrual status: Summary of Loans by Delinquency and Nonaccrual Status At June 30, 2019 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 $ 243,187 $ 290 $ - $ - $ 100 $ 243,577 Commercial real estate 570,463 3,472 60 - 3,670 577,665 Construction 5,482 - - - - 5,482 Residential real estate 37,533 280 - - - 37,813 Consumer installment and other 293,684 2,404 761 249 77 297,175 Total $ 1,150,349 $ 6,446 $ 821 $ 249 $ 3,847 $ 1,161,712 Summary of Loans by Delinquency and Nonaccrual Status At December 31, 2018 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 There wereno commitments to lend additional funds to borrowers whose loans were on nonaccrual status at June 30, 2019 December 31, 2018. The following summarizes impaired loans: Impaired Loans At June 30, 2019 At December 31, 2018 Unpaid Unpaid Recorded Principal Related Recorded Principal Related Investment Balance Allowance Investment Balance Allowance (In thousands) With no related allowance recorded: Commercial $ 755 $ 755 $ - $ 755 $ 759 $ - Commercial real estate 6,531 7,978 - 8,438 10,373 - Residential real estate 195 225 - 717 747 - Consumer installment and other 77 112 - 270 377 - Total with no related allowance recorded 7,558 9,070 - 10,180 12,256 - With an allowance recorded: Commercial 8,613 8,613 2,587 9,189 9,189 2,752 Commercial real estate - - - - - - Total with an allowance recorded 8,613 8,613 2,587 9,189 9,189 2,752 Total $ 16,171 $ 17,683 $ 2,587 $ 19,369 $ 21,445 $ 2,752 Impaired loans include troubled debt restructured loans. Impaired loans at June 30, 2019, December 31, 2018, Impaired Loans For the Three Months Ended June 30, For the Six Months Ended June 30, 2019 2018 2019 2018 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 $ 9,662 $ 165 $ 10,689 $ 145 $ 9,755 $ 332 $ 10,793 $ 320 Commercial real estate 6,539 126 11,837 211 $ 6,716 273 12,796 426 Residential real estate 196 3 205 4 $ 197 6 206 8 Consumer installment and other 77 - 254 3 $ 105 - 305 6 Total $ 16,474 $ 294 $ 22,985 $ 363 $ 16,773 $ 611 $ 24,100 $ 760 The following tables provide information on troubled debt restructurings: Troubled Debt Restructurings At June 30, 2019 Period-End Individual Number of Pre-Modification Period-End Impairment Contracts Carrying Value Carrying Value Allowance ($ in thousands) Commercial 4 $ 2,274 $ 708 $ 19 Commercial real estate 6 8,367 6,531 - Residential real estate 1 241 195 - Total 11 $ 10,882 $ 7,434 $ 19 Troubled Debt Restructurings At December 31, 2018 Period-End Individual Number of Pre-Modification Period-End Impairment Contracts Carrying Value Carrying Value Allowance ($ 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 During the three six June 30, 2019 June 30, 2018, not 12 ninety There were no loans restricted due to collateral requirements at June 30, 2019 December 31, 2018. There wereno loans held for sale at June 30, 2019 December 31, 2018. At June 30, 2019 December 31, 2018, June 30, 2019 December 31, 2018. |