LOANS AND CREDIT QUALITY (Tables)

6 Months Ended

Jun. 30, 2024

LOANS AND CREDIT QUALITY

Schedule Of Loans Outstanding

	June 30, 2024			December 31, 2023
1-4 Family residential construction	$	24,478		$	30,488
Other construction, land development and land		58,062			47,749
Secured by farmland		81,326			81,657
Home equity – open end		45,743			45,749
Real estate		207,355			200,629
Home Equity – closed end		6,405			4,835
Multifamily		11,044			8,203
Owner-occupied commercial real estate		87,282			92,362
Other commercial real estate		99,265			106,181
Agricultural loans		15,210			14,405
Commercial and industrial		52,466			44,329
Credit Cards		3,319			3,252
Automobile loans		116,770			122,924
Other consumer loans		12,952			14,376
Municipal loans		5,325			5,625
Gross loans		827,002			822,764
Unamortized net deferred loan fees		(662	)		(672	)
Less allowance for credit losses		7,815			8,321
Net loans	$	818,525		$	813,771

Summary Of Non accrual and Past Due Loans

Age Analysis of Past Due Loans As of June 30, 2024
	Accruing Loans 30-59 Days Past due		Accruing Loans 60-89 Days Past due		Accruing Loans 90 Days or More Past due		Nonaccrual Loans		Accruing Current Loans			Total Loans
1-4 Family residential construction	$	-	$	-	$	-	$	439	$	24,039		$	24,478
Other construction, land development and land		164		-		1		15		57,882			58,062
Secured by farmland		-		-		-		53		81,273			81,326
Home equity – open end		153		153		-		309		45,128			45,743
Real estate		900		495		-		645		205,315			207,355
Home Equity – closed end		-		-		-		-		6,405			6,405
Multifamily		-		-		-		-		11,044			11,044
Owner-occupied commercial real estate		19		-		-		4,860		82,403			87,282
Other commercial real estate		-		-		-		-		99,265			99,265
Agricultural loans		-		-		-		150		15,060			15,210
Commercial and industrial		64		68		-		665		51,669			52,466
Credit Cards		16		9		1		-		3,293			3,319
Automobile loans		1,703		342		14		396		114,315			116,770
Other consumer loans		64		80		-		38		12,770			12,952
Municipal loans		-		-		-		-		5,325			5,325
Gross loans		3,083		1,147		16		7,570		815,186			827,002
Less: Unamortized net deferred loan fees		-		-		-		-		(662	)		(662	)
Loans held for investment	$	3,083	$	1,147	$	16	$	7,570	$	814,524		$	826,340

Age Analysis of Past Due Loans As of December 31, 2023
	Accruing Loans 30-59 Days Past due		Accruing Loans 60-89 Days Past due		Accruing Loans 90 Days or More Past due		Nonaccrual Loans		Accruing Current Loans			Total Loans
1-4 Family residential construction	$	-	$	-	$	-	$	440	$	30,048		$	30,488
Other construction, land development and land		-		-		-		528		47,221			47,749
Secured by farmland		-		-		-		596		81,061			81,657
Home equity – open end		595		74		-		217		44,863			45,749
Real estate		2,125		425		-		701		197,378			200,629
Home Equity – closed end		41		-		-		-		4,794			4,835
Multifamily		-		-		-		-		8,203			8,203
Owner-occupied commercial real estate		1,482		-		-		3,000		87,880			92,362
Other commercial real estate		92		887		-		-		105,202			106,181
Agricultural loans		10		-		-		73		14,322			14,405
Commercial and industrial		75		39		25		622		43,568			44,329
Credit Cards		35		7		6		-		3,204			3,252
Automobile loans		1,137		481		-		237		121,069			122,924
Other consumer loans		151		14		-		24		14,187			14,376
Municipal loans		-		-		-		-		5,625			5,625
Gross loans		5,743		1,927		31		6,438		808,625			822,764
Less: Unamortized net deferred loan fees		-		-		-		-		(672	)		(672	)
Loans held for investment	$	5,743	$	1,927	$	31	$	6,438	$	807,953		$	822,092

Summary Of non accrual loans by major categories

	June 30, 2024						December 31, 2023
	Nonaccrual loans						Nonaccrual loans
	With no Allowance		With an Allowance		Total		With no Allowance		With an Allowance		Total
1-4 Family residential construction	$	-	$	439	$	439	$	-	$	440	$	440
Other construction, land development and land		15		-		15		528		-		528
Secured by farmland		53		-		53		596		-		596
Home equity – open end		309		-		309		217		-		217
Real estate		645		-		645		701		-		701
Owner-occupied commercial real estate		3,555		1,305		4,860		-		3,000		3,000
Agricultural loans		150		-		150		73		-		73
Commercial and industrial		665		-		665		25		597		622
Automobile loans		396		-		396		237		-		237
Other consumer loans		38		-		38		24		-		24
Total loans	$	5,826	$	1,744	$	7,570	$	2,401	$	4,037	$	6,438

Schedule Of modified to borrowers experiencing

	Term Extension		Weighted Average Term Extension (in months)		% of Total Loan Type
Owner-occupied commercial real estate	$	24		13.0		0.02	%
Automobile loans		59		4.3		0.05	%
Total Term Extension	$	83		6.9		0.05	%

	Term Extension		Weighted Average Term Extension (in months)		% of Total Loan Type
Owner-occupied commercial real estate	$	45		13.0		0.05	%
Automobile loans		68		4.5		0.06	%
Total Term Extension	$	113		7.9		0.05	%

Summary Of analysis of collateral-dependent loans

	Collateral-Dependent Loans
	June 30, 2024
	Real Estate		Business/Other Assets
1-4 Family residential construction	$	439	$	-
Owner-occupied commercial real estate		4,860		-
Commercial and industrial		-		605
Total loans	$	5,299	$	605

	Collateral-Dependent Loans
	December 31, 2023
	Real Estate		Business/Other Assets
1-4 Family residential construction	$	440	$	-
Other construction, land development and land		511		-
Secured by farmland		596		-
Owner-occupied commercial real estate		3,000		-
Commercial and industrial		-		597
Total loans	$	4,547	$	597

Summary Of segregated loan portfolio segment

	June 30, 2024
	Loan Balances							Allowance for Credit Losses - Loans
	Loans Individually Evaluated		Loans Collectively Evaluated		Total			Loans Individually Evaluated		Loans Collectively Evaluated		Total
1-4 Family residential construction	$	439	$	24,039	$	24,478		$	362	$	240	$	602
Other construction, land development and land		-		58,062		58,062			-		1,448		1,448
Secured by farmland		-		81,326		81,326			-		817		817
Home equity – open end		-		45,743		45,743			-		177		177
Real estate		-		207,355		207,355			-		780		780
Home Equity – closed end		-		6,405		6,405			-		102		102
Multifamily		-		11,044		11,044			-		251		251
Owner-occupied commercial real estate		4,860		82,422		87,282			75		773		848
Other commercial real estate		-		99,265		99,265			-		174		174
Agricultural loans		-		15,210		15,210			-		22		22
Commercial and industrial		605		51,861		52,466			-		801		801
Credit Cards		-		3,319		3,319			-		83		83
Automobile loans		-		116,770		116,770			-		1,469		1,469
Other consumer loans		-		12,952		12,952			-		225		225
Municipal loans		-		5,325		5,325			-		16		16
Gross loans		5,904		821,098		827,002			437		7,378		7,815
Less: Unamortized net deferred loan fees		-		-		(662	)		-		-		-
Net loans held for investment	$	5,904	$	821,098	$	826,340		$	437	$	7,378	$	7,815

	December 31, 2023
	Loan Balances							Allowance for Credit Losses - Loans
	Loans Individually Evaluated		Loans Collectively Evaluated		Total			Loans Individually Evaluated		Loans Collectively Evaluated		Total
1-4 Family residential construction	$	440	$	30,048	$	30,488		$	363	$	351	$	714
Other construction, land development and land		511		47,238		47,749			-		1,287		1,287
Secured by farmland		596		81,061		81,657			-		815		815
Home equity – open end		-		45,749		45,749			-		180		180
Real estate		-		200,629		200,629			-		810		810
Home Equity – closed end		-		4,835		4,835			-		77		77
Multifamily		-		8,203		8,203			-		181		181
Owner-occupied commercial real estate		3,000		89,362		92,362			263		958		1,221
Other commercial real estate		-		106,181		106,181			-		166		166
Agricultural loans		-		14,405		14,405			-		20		20
Commercial and industrial		597		43,732		44,329			351		683		1,034
Credit Cards		-		3,252		3,252			-		81		81
Automobile loans		-		122,924		122,924			-		1,443		1,443
Other consumer loans		-		14,376		14,376			-		292		292
Municipal loans		-		5,625		5,625			-		-		-
Gross loans		5,144		817,620		822,764			977		7,344		8,321
Less: Unamortized net deferred loan fees		-		-		(672	)		-		-		-
Net loans held for investment	$	5,144	$	817,620	$	822,092		$	977	$	7,344	$	8,321

Schedule Of Credit Quality Indicators

	Term Loans by Year of Origination
	2024		2023		2022		2021		2020		Prior		Revolving		Total
1-4 Family residential construction
Pass	$	-	$	-	$	-	$	-	$	-	$	-	$	24,039	$	24,039
Watch		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		439		439
Total 1-4 Family residential construction		-		-		-		-		-		-		24,478		24,478
Current period gross write-offs		-		-		-		-		-		-		-		-
Other construction, land development and land
Pass		1,568		7,873		8,954		4,694		1,779		9,522		22,473		56,863
Watch		-		-		-		-		-		-		670		670
Substandard		-		-		-		-		-		529		-		529
Total Other construction, land development and land		1,568		7,873		8,954		4,694		1,779		10,051		23,143		58,062
Current period gross write-offs		-		-		-		-		-		-		-		-
Secured by farmland
Pass		2,802		10,321		13,932		13,270		26,263		9,276		2,890		78,754
Watch		-		-		1,748		-		-		771		-		2,519
Substandard		-		-		-		-		-		53		-		53
Total Secured by farmland		2,802		10,321		15,680		13,270		26,263		10,100		2,890		81,326
Current period gross write-offs		-		-		-		-		-		-		-		-
Home equity – open end
Pass		-		-		-		-		-		140		44,957		45,097
Watch		-		-		-		-		-		-		286		286
Substandard		-		-		-		-		-		-		360		360
Total Home equity - open end		-		-		-		-		-		140		45,603		45,743
Current period gross write-offs		-		-		-		-		-		-		-		-
Real estate
Pass		11,902		56,841		46,378		14,415		12,025		62,643		530		204,734
Watch		-		-		83		-		-		-		-		83
Substandard		-		-		-		534		-		2,004		-		2,538
Total Real estate		11,902		56,841		46,461		14,949		12,025		64,647		530		207,355
Current period gross write-offs		-		-		-		-		-		-		-		-
Home Equity – closed end
Pass		418		2,570		364		111		995		1,947		-		6,405
Watch		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Total Home Equity - closed end		418		2,570		364		111		995		1,947		-		6,405
Current period gross write-offs		-		-		-		-		-		-		-		-
Multifamily
Pass		2,145		-		2,675		1,357		886		1,611		2,370		11,044
Watch		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Total Multifamily		2,145		-		2,675		1,357		886		1,611		2,370		11,044
Current period gross write-offs		-		-		-		-		-		-		-		-
Owner-occupied commercial real estate
Pass		1,761		2,455		17,470		16,915		6,906		24,287		4,198		73,992
Watch		-		-		-		-		-		767		-		767
Substandard		-		-		-		-		-		8,671		3,852		12,523
Total Owner-occupied commercial real estate		1,761		2,455		17,470		16,915		6,906		33,725		8,050		87,282
Current period gross write-offs		-		-		-		-		-		-		-		-
Other commercial real estate
Pass		837		9,692		29,370		12,078		4,850		31,950		612		89,389
Watch		7,953		-		-		-		-		1,836		-		9,789
Substandard		-		-		-		-		-		87		-		87
Total Other commercial real estate		8,790		9,692		29,370		12,078		4,850		33,873		612		99,265
Current period gross write-offs		-		-		-		-		-		-		-		-

	Term Loans by Year of Origination
	2024		2023		2022		2021		2020		Prior		Revolving		Total
Agricultural loans
Pass		1,946		2,545		2,185		439		248		17		7,633		15,013
Watch		-		-		16		-		31		-		150		197
Substandard		-		-		-		-		-		-		-		-
Total Agricultural loans		1,946		2,545		2,201		439		279		17		7,783		15,210
Current period gross write-offs		-		-		-		-		-		-		-		-
Commercial and industrial
Pass		1,567		5,984		7,927		4,524		1,278		612		23,646		45,538
Watch		-		-		110		42		-		-		6,036		6,188
Substandard		-		-		68		612		-		-		60		740
Total Commercial and industrial		1,567		5,984		8,105		5,178		1,278		612		29,742		52,466
Current period gross write-offs		-		-		133		47		24		5		-		209
Credit Cards
Pass		-		-		-		-		-		-		3,318		3,318
Substandard		-		-		-		-		-		-		1		1
Total Credit cards		-		-		-		-		-		-		3,319		3,319
Current period gross write-offs		-		-		-		-		-		-		21		21
Automobile loans
Pass		17,564		45,646		31,633		14,625		4,957		1,949		-		116,374
Watch		-		-		-		-		-		-		-		-
Substandard		-		113		87		170		21		5		-		396
Total Automobile loans		17,564		45,759		31,720		14,795		4,978		1,954		-		116,770
Current period gross write-offs		6		556		389		176		64		32		-		1,223
Other consumer loans
Pass		2,338		4,139		3,751		1,545		468		315		356		12,912
Watch		-		-		-		-		-		-		-		-
Substandard		-		8		7		10		12		3		-		40
Total Other consumer loans		2,338		4,147		3,758		1,555		480		318		356		12,952
Current period gross write-offs		-		20		32		11		3		1		-		67
Municipal loans
Pass		-		-		118		849		1,065		3,293		-		5,325
Watch		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Total Municipal loans		-		-		118		849		1,065		3,293		-		5,325
Current period gross write-offs		-		-		-		-		-		-		-		-
Total loans	$	52,801	$	148,187	$	166,876	$	86,190	$	61,784	$	162,288	$	148,876	$	827,002
Less: Unamortized net deferred loan fees																(662	)
Loans held for investment															$	826,340
Current period gross write-offs	$	6	$	576	$	554	$	234	$	91	$	38	$	21	$	1,520

	Term Loans by Year of Origination
	2023		2022		2021		2020		2019		Prior		Revolving		Total
1-4 Family residential construction
Pass	$	162	$	-	$	-	$	-	$	-	$	108	$	29,214	$	29,484
Watch		-		-		-		-		-		-		564		564
Substandard		-		-		-		-		-		-		440		440
Total 1-4 Family residential construction		162		-		-		-		-		108		30,218		30,488
Current period gross write-offs		-		70		-		-		-		-		-		70
Other construction, land development and land
Pass		5,123		9,138		4,983		1,831		2,847		5,456		17,770		47,148
Watch		-		-		-		-		-		67		-		67
Substandard		511		-		-		-		-		23		-		534
Total Other construction, land development and land		5,634		9,138		4,983		1,831		2,847		5,546		17,770		47,749
Current period gross write-offs		-		-		-		-		-		-		-		-
Secured by farmland
Pass		7,503		15,834		13,688		27,020		2,509		7,842		5,869		80,265
Watch		-		-		-		-		781		-		-		781
Substandard		-		-		333		-		-		263		15		611
Total Secured by farmland		7,503		15,834		14,021		27,020		3,290		8,105		5,884		81,657
Current period gross write-offs		-		-		-		-		-		-		-		-
Home equity – open end
Pass		370		-		-		-		-		141		44,089		44,600
Watch		-		-		-		-		-		-		883		883
Substandard		-		-		-		-		-		-		266		266
Total Home equity - open end		370		-		-		-		-		141		45,238		45,749
Current period gross write-offs		-		-		-		-		-		-		-		-
Real estate
Pass		53,413		47,785		15,211		12,192		6,490		55,665		386		191,142
Watch		-		45		-		499		155		4,893		-		5,592
Substandard		-		88		539		-		1,212		2,056		-		3,895
Total Real estate		53,413		47,918		15,750		12,691		7,857		62,614		386		200,629
Current period gross write-offs		-		-		-		-		-		19		-		19
Home Equity – closed end
Pass		1,126		382		117		1,044		464		1,690		-		4,823
Watch		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		12		-		-		12
Total Home Equity - closed end		1,126		382		117		1,044		476		1,690		-		4,835
Current period gross write-offs		-		-		-		-		-		-		-		-
Multifamily
Pass		-		2,712		1,395		906		-		1,567		1,524		8,104
Watch		-		-		-		-		-		99		-		99
Substandard		-		-		-		-		-		-		-		-
Total Multifamily		-		2,712		1,395		906		-		1,666		1,524		8,203
Current period gross write-offs		-		-		-		-		-		-		-		-
Owner-occupied commercial real estate
Pass		2,820		18,049		17,775		7,109		3,586		22,301		7,821		79,461
Watch		-		-		-		-		40		2,097		-		2,137
Substandard		-		-		-		-		6,283		1,183		3,298		10,764
Total Owner-occupied commercial real estate		2,820		18,049		17,775		7,109		9,909		25,581		11,119		92,362
Current period gross write-offs		-		-		-		-		-		-		-		-
Other commercial real estate
Pass		10,193		29,317		12,744		4,990		3,739		32,666		3,206		96,855
Watch		-		-		-		-		-		9,239		-		9,239
Substandard		-		-		-		-		-		87		-		87
Total Other commercial real estate		10,193		29,317		12,744		4,990		3,739		41,992		3,206		106,181
Current period gross write-offs		-		-		-		-		-		-		-		-

	Term Loans by Year of Origination
	2023		2022		2021		2020		2019		Prior		Revolving		Total
Agricultural loans
Pass		4,626		2,548		534		340		-		38		6,066		14,152
Watch		-		-		-		31		-		-		149		180
Substandard		-		48		14		11		-		-		-		73
Total Agricultural loans		4,626		2,596		548		382		-		38		6,215		14,405
Current period gross write-offs		-		-		-		-		-		-		-		-
Commercial and industrial
Pass		7,396		9,373		5,359		1,691		674		272		17,408		42,173
Watch		-		44		91		-		-		-		1,363		1,498
Substandard		-		-		632		25		-		1		-		658
Total Commercial and industrial		7,396		9,417		6,082		1,716		674		273		18,771		44,329
Current period gross write-offs		-		31		-		-		-		2		-		33
Credit Cards
Pass		-		-		-		-		-		-		3,246		3,246
Substandard		-		-		-		-		-		-		6		6
Total Credit cards		-		-		-		-		-		-		3,252		3,252
Current period gross write-offs		-		-		-		-		-		-		69		69
Automobile loans
Pass		52,471		38,375		19,193		7,301		2,145		2,367		-		121,852
Watch		179		323		158		106		36		32		-		834
Substandard		98		48		63		6		18		5		-		238
Total Automobile loans		52,748		38,746		19,414		7,413		2,199		2,404		-		122,924
Current period gross write-offs		334		669		560		149		53		39		-		1,804
Other consumer loans
Pass		5,169		4,983		2,230		843		194		367		530		14,316
Watch		17		4		7		-		1		2		1		32
Substandard		12		7		2		-		6		1		-		28
Total Other consumer loans		5,198		4,994		2,239		843		201		370		531		14,376
Current period gross write-offs		-		77		3		3		6		4		-		93
Municipal loans
Pass		-		118		923		1,096		1,228		2,260		-		5,625
Watch		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Total Municipal loans		-		118		923		1,096		1,228		2,260		-		5,625
Current period gross write-offs		-		-		-		-		-		-		-		-
Total loans	$	151,189	$	179,221	$	95,991	$	67,041	$	32,420	$	152,788	$	144,114	$	822,764
Less: Unamortized net deferred loan fees																(672	)
Loans held for investment															$	822,092
Current period gross write-offs	$	334	$	847	$	563	$	152	$	59	$	64	$	69	$	2,088