Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)

3 Months Ended

Mar. 31, 2022

Notes Tables

Financing Receivable, Allowance for Credit Loss [Table Text Block]

	Activity in the Allowance for Loan Losses for the Three Months Ended March 31, 2022
	Real Estate Construction		Consumer Real Estate		Commercial Real Estate		Commercial Non-Real Estate			Public Sector and IDA		Consumer Non- Real Estate			Unallocated			Total
Balance, December 31, 2021	$	422	$	1,930	$	3,121	$	1,099		$	297	$	444		$	361		$	7,674
Charge-offs		-		-		-		-			-		(60	)		-			(60	)
Recoveries		-		-		12		3			-		25			-			40
Provision for (recovery of) loan losses		171		5		290		(158	)		10		6			(190	)		134
Balance, March 31, 2022	$	593	$	1,935	$	3,423	$	944		$	307	$	415		$	171		$	7,788

	Activity in the Allowance for Loan Losses for the Three Months Ended March 31, 2021
	Real Estate Construction		Consumer Real Estate		Commercial Real Estate			Commercial Non-Real Estate			Public Sector and IDA			Consumer Non- Real Estate			Unallocated			Total
Balance, December 31, 2020	$	503	$	2,165	$	3,853		$	670		$	339		$	555		$	396		$	8,481
Charge-offs		-		-		-			-			-			(47	)		-			(47	)
Recoveries		-		-		12			2			-			38			-			52
Provision for (recovery of) loan losses		8		201		(3	)		(38	)		(28	)		(50	)		(40	)		50
Balance, March 31, 2021	$	511	$	2,366	$	3,862		$	634		$	311		$	496		$	356		$	8,536

	Activity in the Allowance for Loan Losses for the Year Ended December 31, 2021
	Real Estate Construction			Consumer Real Estate			Commercial Real Estate			Commercial Non-Real Estate			Public Sector and IDA			Consumer Non- Real Estate			Unallocated			Total
Balance, December 31, 2020	$	503		$	2,165		$	3,853		$	670		$	339		$	555		$	396		$	8,481
Charge-offs		-			(13	)		-			(526	)		-			(216	)		-			(755	)
Recoveries		-			20			159			33			-			134			-			346
Provision for (recovery of) loan losses		(81	)		(242	)		(891	)		922			(42	)		(29	)		(35	)		(398	)
Balance, December 31, 2021	$	422		$	1,930		$	3,121		$	1,099		$	297		$	444		$	361		$	7,674

Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]

	Allowance for Loan Losses as of March 31, 2022
	Real Estate Construction		Consumer Real Estate		Commercial Real Estate		Commercial Non-Real Estate		Public Sector and IDA		Consumer Non- Real Estate		Unallocated		Total
Individually evaluated for impairment	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Collectively evaluated for impairment		593		1,935		3,423		944		307		415		171		7,788
Total	$	593	$	1,935	$	3,423	$	944	$	307	$	415	$	171	$	7,788

	Allowance for Loan Losses as of December 31, 2021
	Real Estate Construction		Consumer Real Estate		Commercial Real Estate		Commercial Non-Real Estate		Public Sector and IDA		Consumer Non- Real Estate		Unallocated		Total
Individually evaluated for impairment	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Collectively evaluated for impairment		422		1,930		3,121		1,099		297		444		361		7,674
Total	$	422	$	1,930	$	3,121	$	1,099	$	297	$	444	$	361	$	7,674

	Loans as of March 31, 2022
	Real Estate Construction		Consumer Real Estate		Commercial Real Estate		Commercial Non-Real Estate		Public Sector and IDA		Consumer Non- Real Estate		Total
Individually evaluated for impairment	$	-	$	189	$	5,358	$	287	$	-	$	-	$	5,834
Collectively evaluated for impairment		59,741		208,883		411,595		52,509		47,156		34,056		813,940
Total	$	59,741	$	209,072	$	416,953	$	52,796	$	47,156	$	34,056	$	819,774

	Loans as of December 31, 2021
	Real Estate Construction		Consumer Real Estate		Commercial Real Estate		Commercial Non-Real Estate		Public Sector and IDA		Consumer Non- Real Estate		Total
Individually evaluated for impairment	$	-	$	191	$	5,386	$	301	$	-	$	-	$	5,878
Collectively evaluated for impairment		48,841		208,786		400,336		59,963		47,899		32,026		797,851
Total	$	48,841	$	208,977	$	405,722	$	60,264	$	47,899	$	32,026	$	803,729

Schedule of Ratios for Allowance for Loan Losses [Table Text Block]

	As of and for the
	Three Months Ended March 31,						Year Ended December 31,
	2022			2021			2021
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs		0.95	%		1.10	%		0.96	%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs(1)		0.01	%		0.00	%		0.05	%

Schedule of Nonperforming Assets [Table Text Block]

	March 31,						December 31,
	2022			2021			2021
Nonperforming assets:
Nonaccrual loans	$	29		$	784		$	-
TDR loans in nonaccrual		2,833			2,907			2,873
Total nonperforming loans		2,862			3,691			2,873
Other real estate owned, net		957			957			957
Total nonperforming assets	$	3,819		$	4,648		$	3,830
Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned		0.47	%		0.60	%		0.48	%
Ratio of allowance for loan losses to nonperforming loans(1)		272.12	%		231.27	%		267.11	%

Impaired Financing Receivables [Table Text Block]

	Impaired Loans as of March 31, 2022
	Principal Balance		Total Recorded Investment(1)		Recorded Investment(1)for Which There is No Related Allowance		Recorded Investment(1) for Which There is a Related Allowance		Related Allowance
Consumer Real Estate
Investor-owned residential real estate	$	189	$	189	$	189	$	-	$	-
Commercial Real Estate
Commercial real estate, owner-occupied		3,254		2,639		2,639		-		-
Commercial real estate, other		2,719		2,719		2,719		-		-
Commercial Non-Real Estate
Commercial and industrial		300		287		287		-		-
Total	$	6,462	$	5,834	$	5,834	$	-	$	-

	Impaired Loans as of December 31, 2021
	Principal Balance		Total Recorded Investment(1)		Recorded Investment(1) for Which There is No Related Allowance		Recorded Investment(1) for Which There is a Related Allowance		Related Allowance
Consumer Real Estate
Investor-owned residential real estate	$	191	$	191	$	191	$	-	$	-
Commercial Real Estate
Commercial real estate, owner occupied		3,256		2,665		2,665		-		-
Commercial real estate, other		2,721		2,721		2,721		-		-
Commercial Non-Real Estate
Commercial and industrial		310		301		301		-		-
Total	$	6,478	$	5,878	$	5,878	$	-	$	-

Impaired Financing Receivable Average Investment And Interest Income [Table Text Block]

	For the Three Months Ended March 31, 2022
	Average Recorded Investment(1)		Interest Income Recognized
Consumer Real Estate
Investor-owned residential real estate	$	190	$	3
Commercial Real Estate
Commercial real estate, owner occupied		2,640		1
Commercial real estate, other		2,720		17
Commercial Non-Real Estate
Commercial and industrial		292		-
Total	$	5,842	$	21

	For the Three Months Ended March 31, 2021
	Average Recorded Investment(1)		Interest Income Recognized
Consumer Real Estate
Investor-owned residential real estate	$	194	$	3
Commercial Real Estate
Commercial real estate, owner occupied		3,269		38
Commercial real estate, other		654		-
Commercial Non-Real Estate
Commercial and industrial		838		5
Consumer Non-Real Estate
Automobile		1		-
Total	$	4,956	$	46

	For the Year Ended December 31, 2021
	Average Recorded Investment(1)		Interest Income Recognized
Consumer Real Estate
Investor-owned residential real estate	$	192	$	13
Commercial Real Estate
Commercial real estate, owner occupied		2,668		9
Commercial real estate, other		2,723		100
Commercial Non-Real Estate
Commercial and industrial		317		15
Consumer Non-Real Estate
Automobile		1		-
Total	$	5,901	$	137

Financing Receivable, Past Due [Table Text Block]

March 31, 2022
	30 – 89 Days Past Due and Accruing		90 or More Days Past Due		90 or More Days Past Due and Accruing		Nonaccruals(1)
Real Estate Construction
Construction, other	$	-	$	320	$	320	$	-
Consumer Real Estate
Equity lines		50		29		-		29
Residential closed-end first liens		517		32		32		-
Commercial Real Estate
Commercial real estate, owner-occupied		61		262		-		2,546
Commercial Non-Real Estate
Commercial and industrial		53		2		2		287
Consumer Non-Real Estate
Credit cards		1		2		2		-
Automobile		80		-		-		-
Other consumer loans		139		25		25		-
Total	$	901	$	672	$	381	$	2,862

December 31, 2021
	30 – 89 Days Past Due and Accruing		90 or More Days Past Due		90 or More Days Past Due and Accruing		Nonaccruals(1)
Real Estate Construction
Construction, other	$	14	$	-	$	-	$	-
Consumer Real Estate
Equity lines		50		29		29
Residential closed-end first liens		715		58		58		-
Commercial Real Estate
Commercial real estate, owner occupied		12		266		-		2,572
Commercial Non-Real Estate
Commercial and Industrial		13		-		-		301
Consumer Non-Real Estate
Credit cards		2		2		2		-
Automobile		93		-		-		-
Other consumer loans		88		1		1		-
Total	$	987	$	356	$	90	$	2,873

Financing Receivable Credit Quality Indicators [Table Text Block]

March 31, 2022	Pass		Special Mention		Classified
Real Estate Construction
Construction, 1-4 family residential	$	14,447	$	-	$	-
Construction, other		44,974		-		320
Consumer Real Estate
Equity lines		13,530		-		29
Residential closed-end first liens		107,259		-		247
Residential closed-end junior liens		2,295		-		-
Investor-owned residential real estate		84,918		-		605
Commercial Real Estate
Multifamily residential real estate		106,309		-		-
Commercial real estate owner-occupied		128,739		-		-
Commercial real estate, other		176,547		-		-
Commercial Non-Real Estate
Commercial and industrial		52,507		-		2
Public Sector and IDA
States and political subdivisions		47,156		-		-
Consumer Non-Real Estate
Credit cards		4,658		-		-
Automobile		10,673		-		-
Other consumer		18,669		-		56
Total	$	812,681	$	-	$	1,259

December 31, 2021	Pass		Special Mention		Classified
Real Estate Construction
Construction, 1-4 family residential	$	10,008	$	-	$	-
Construction, other		38,833		-		-
Consumer Real Estate
Equity lines		13,588		-		29
Residential closed-end first liens		106,107		-		275
Residential closed-end junior liens		2,715		-		-
Investor-owned residential real estate		85,460		-		612
Commercial Real Estate
Multifamily residential real estate		106,644		-		-
Commercial real estate owner-occupied		125,605		-		35
Commercial real estate, other		164,324		3,728		-
Commercial Non-Real Estate
Commercial and industrial		59,953		-		10
Public Sector and IDA
States and political subdivisions		47,899		-		-
Consumer Non-Real Estate
Credit cards		4,531		-		-
Automobile		10,990		-		3
Other consumer		16,402		-		100
Total	$	793,059	$	3,728	$	1,064

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	Restructurings That Occurred During the Three Months Ended March 31, 2021
	Number of Contracts		Pre-Modification Outstanding Principal Balance		Post-Modification Outstanding Principal Balance
Commercial Real Estate
Commercial real estate owner-occupied		1	$	102	$	102
Total		1	$	102	$	102