6. LOANS (Tables)

12 Months Ended

Dec. 31, 2019

Loans and Leases Receivable Disclosure [Abstract]

Schedule of loans held for investment

	2019		2018
Construction/Land Development	$	77,131	$	61,659
Farmland		29,718		17,030
Real Estate		178,267		192,278
Multi-Family		5,364		9,665
Commercial Real Estate		129,850		147,342
Home Equity – closed end		9,523		11,039
Home Equity – open end		47,774		53,197
Commercial & Industrial – Non-Real Estate		33,535		36,021
Consumer		10,165		9,861
Dealer Finance		78,976		97,523
Credit Cards		3,122		3,184
Total	$	603,425	$	638,799

Schedule impaired loans

	December 31, 2019						December 31, 2018
			Unpaid						Unpaid
	Recorded		Principal		Related		Recorded		Principal		Related
	Investment		Balance		Allowance		Investment		Balance		Allowance
Impaired loans without a valuation allowance:
Construction/Land Development	$	2,042	$	2,042	$	-	$	2,414	$	2,414	$	-
Farmland		-		-		-		1,941		1,941		-
Real Estate		5,131		5,131		-		1,932		1,932		-
Multi-Family		-		-		-		-		-		-
Commercial Real Estate		1,302		1,302		-		6,176		6,176		-
Home Equity – closed end		716		716		-		-		-		-
Home Equity – open end		-		-		-		-		-		-
Commercial & Industrial – Non-Real Estate		17		17		-		-		-		-
Consumer		-		-		-		-		-		-
Credit cards		-		-		-		-		-		-
Dealer Finance		79		79		-		32		32		-
		9,287		9,287		-		12,495		12,495		-
Impaired loans with a valuation allowance
Construction/Land Development		1,036		2,061		85		4,311		4,871		1,627
Farmland		1,933		1,933		537		-		-		-
Real Estate		10,404		10,404		569		422		422		7
Multi-Family		-		-		-		-		-		-
Commercial Real Estate		638		638		213		-		1,500		-
Home Equity – closed end		-		-		-		-		-		-
Home Equity – open end		151		151		151		-		-		-
Commercial & Industrial – Non-Real Estate		192		192		192		-		-		-
Consumer		4		4		1		8		8		2
Credit cards		-		-		-		-		-		-
Dealer Finance		136		136		7		194		194		10
		14,494		15,519		1,755		4,935		6,995		1,646
Total impaired loans	$	23,781	$	24,806	$	1,755	$	17,430	$	19,490	$	1,646

	December 31, 2019				December 31, 2018
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
Impaired loans without a valuation allowance:
Construction/Land Development	$	1,957	$	130	$	3,586	$	89
Farmland		971		-		1,963		80
Real Estate		5,965		312		1,542		98
Multi-Family		-		-		-		-
Commercial Real Estate		1,605		72		2,304		286
Home Equity – closed end		539		57		-		-
Home Equity – open end		40		-		-		-
Commercial & Industrial – Non-Real Estate		15		2		-		-
Consumer		-		-		-		-
Credit cards		-		-		-		-
Dealer Finance		55		5		28		5
		11,147		578		9,423		558
Impaired loans with a valuation allowance
Construction/Land Development		2,248		68		6,352		91
Farmland		967		16		-		-
Real Estate		3,121		589		554		23
Multi-Family		-		-		-		-
Commercial Real Estate		2,542		36		4,167		-
Home Equity – closed end		-		-		-		-
Home Equity – open end		38		10		-		-
Commercial & Industrial – Non-Real Estate		97		13		-		-
Consumer		4		-		10		1
Credit cards		-		-		-		-
Dealer Finance		166		11		206		14
		9,183		743		11,289		129
Total impaired loans	$	20,330	$	1,321	$	20,712	$	687

Schedule of aging of the recorded investment of past due loans

	30-59 Days Past due		60-89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Total Loan Receivable		Non-Accrual Loans		Recorded Investment >90 days & accruing
December 31, 2019
Construction/Land Development	$	117	$	45	$	1,255	$	1,417	$	75,714	$	77,131	$	1,301	$	-
Farmland		27		-		1,933		1,960		27,758		29,718		1,933		-
Real Estate		2,440		1,035		837		4,312		173,955		178,267		420		619
Multi-Family		-		-		-		-		5,364		5,364		-		-
Commercial Real Estate		563		-		137		700		129,150		129,850		900		-
Home Equity – closed end		-		-		-		-		9,523		9,523		-		-
Home Equity – open end		429		296		15		740		47,034		47,774		-		15
Commercial & Industrial – Non- Real Estate		726		4		-		730		32,805		33,535		203		-
Consumer		89		14		-		103		10,062		10,165		1		-
Dealer Finance		1,943		400		198		2,541		76,435		78,976		249		84
Credit Cards		31		-		4		35		3,087		3,122		-		4
Total	$	6,365	$	1,794	$	4,379	$	12,538	$	590,887	$	603,425	$	5,007	$	722

	30-59 Days Past due		60-89 Days Past Due		Greater than 90 Days		Total Past Due		Current		Total Loan Receivable		Non-Accrual Loans		Recorded Investment >90 days & accruing
December 31, 2018
Construction/Land Development	$	290	$	-	$	1,767	$	2,057	$	59,602	$	61,659	$	2,327	$	-
Farmland		-		-		-		-		17,030		17,030		-		-
Real Estate		3,074		677		1,729		5,480		186,798		192,278		1,477		726
Multi-Family		-		-		-		-		9,665		9,665		-		-
Commercial Real Estate		479		189		5,073		5,741		141,601		147,342		5,074		-
Home Equity – closed end		-		-		12		12		11,027		11,039		-		12
Home Equity – open end		148		171		320		639		52,558		53,197		269		51
Commercial & Industrial – Non- Real Estate		40		22		80		142		35,879		36,021		98		-
Consumer		89		26		3		118		9,743		9,861		5		2
Dealer Finance		2,763		337		96		3,196		94,327		97,523		155		9
Credit Cards		50		11		9		70		3,114		3,184		-		-
Total	$	6,933	$	1,433	$	9,089	$	17,455	$	621,344	$	638,799	$	9,405	$	800