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

9 Months Ended

Sep. 30, 2022

Notes Tables

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

	Activity in the Allowance for Loan Losses for the Nine Months Ended September 30, 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		-		(13	)		-		(2	)		-		(301	)		-			(316	)
Recoveries		-		29			36		10			-		78			-			153
Provision for (recovery of) loan losses		225		266			452		(329	)		39		263			(220	)		696
Balance, September 30, 2022	$	647	$	2,212		$	3,609	$	778		$	336	$	484		$	141		$	8,207

	Activity in the Allowance for Loan Losses for the Nine Months Ended September 30, 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	)		-			(151	)		-			(690	)
Recoveries		-			19			86			31			-			109			-			245
Provision for (recovery of) loan losses		(5	)		(203	)		(776	)		743			(27	)		(39	)		(31	)		(338	)
Balance, September 30, 2021	$	498		$	1,968		$	3,163		$	918		$	312		$	474		$	365		$	7,698

	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 September 30, 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	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Collectively evaluated		647		2,212		3,609		778		336		484		141		8,207
Total	$	647	$	2,212	$	3,609	$	778	$	336	$	484	$	141	$	8,207

	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	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Collectively evaluated		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 September 30, 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	$	-	$	187	$	2,599	$	263	$	-	$	-	$	3,049
Collectively evaluated		62,821		219,430		432,586		52,146		48,912		34,328		850,223
Total	$	62,821	$	219,617	$	435,185	$	52,409	$	48,912	$	34,328	$	853,272

	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	$	-	$	191	$	5,386	$	301	$	-	$	-	$	5,878
Collectively evaluated		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
	Nine Months Ended September 30,						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(1)		0.96	%		0.97	%		0.96	%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs(1)		0.03	%		0.08	%		0.05	%

Schedule of Nonperforming Assets [Table Text Block]

	September 30,						December 31,
	2022			2021			2021
Nonperforming assets:
Nonaccrual loans	$	118		$	39		$	-
Restructured loans in nonaccrual		2,770			3,075			2,873
Total nonperforming loans		2,888			3,114			2,873
Other real estate owned, net		907			957			957
Total nonperforming assets	$	3,795		$	4,071		$	3,830
Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned		0.44	%		0.51	%		0.48	%
Ratio of allowance for loan losses to nonperforming loans		284.18	%		247.21	%		267.11	%

Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block]

	September 30,						December 31,
	2022			2021			2021
Loans past due 90 days or more and still accruing	$	48		$	62		$	90
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs		0.01	%		0.01	%		0.01	%
Accruing restructured loans	$	279		$	3,009		$	3,005
Impaired loans:
Impaired loans with no valuation allowance	$	3,049		$	6,084		$	5,878
Impaired loans with a valuation allowance		-			-			-
Total impaired loans	$	3,049		$	6,084		$	5,878
Valuation allowance		-			-			-
Impaired loans, net of allowance	$	3,049		$	6,084		$	5,878
Average recorded investment in impaired loans(1)	$	3,067		$	6,108		$	5,901
Interest income recognized on impaired loans, after designation as impaired	$	13		$	175		$	137
Amount of income recognized on a cash basis	$	-		$	-		$	-

Impaired Financing Receivables [Table Text Block]

	Impaired Loans as of September 30, 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	$	187	$	187	$	187	$	-	$	-
Commercial Real Estate
Commercial real estate, owner occupied		3,251		2,599		2,599		-		-
Commercial Non Real Estate
Commercial and industrial		283		263		263		-		-
Total	$	3,721	$	3,049	$	3,049	$	-	$	-

	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 Nine Months Ended September 30, 2022
	Average Recorded Investment(1)		Interest Income Recognized
Consumer Real Estate
Investor-owned residential real estate	$	189	$	9
Commercial Real Estate
Commercial real estate, owner occupied		2,601		4
Commercial Non Real Estate
Commercial and industrial		277		-
Total	$	3,067	$	13

	For the Nine Months Ended September 30, 2021
	Average Recorded Investment(1)		Interest Income Recognized
Consumer Real Estate
Investor-owned residential real estate	$	193	$	9
Commercial Real Estate
Commercial real estate, owner occupied		2,866		72
Commercial real estate, other		2,724		83
Commercial Non Real Estate
Commercial and industrial		324		11
Consumer Non Real Estate
Automobile		1		-
Total	$	6,108	$	175

	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]

September 30, 2022
	30 – 89 Days Past Due and Accruing		90 or More Days Past Due (1)		90 or More Days Past Due and Accruing		Nonaccruals
Real Estate Construction
Construction, other	$	311	$	-	$	-	$	-
Consumer Real Estate
Residential closed-end first liens		769		159		42		118
Equity lines		7		-		-		-
Investor-owned residential real estate		144		-		-		-
Commercial Real Estate
Commercial real estate, owner occupied		-		255		-		2,507
Commercial Non Real Estate
Commercial and industrial		82		-		-		263
Consumer Non Real Estate
Automobile		53		-		-		-
Credit cards		2		1		1		-
Other consumer loans		68		5		5		-
Total	$	1,436	$	420	$	48	$	2,888

December 31, 2021
	30 – 89 Days Past Due and Accruing		90 or More Days Past Due(1)		90 or More Days Past Due and Accruing		Nonaccruals
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]

September 30, 2022	Pass		Special Mention		Classified
Real Estate Construction
Construction, 1-4 family residential	$	15,433	$	-	$	-
Construction, other		47,077		311		-
Consumer Real Estate
Equity lines		14,634		-		-
Residential closed-end first liens		120,150		-		438
Residential closed-end junior liens		2,430		-		-
Investor-owned residential real estate		81,188		-		590
Commercial Real Estate
Multifamily residential real estate		125,814		-		-
Commercial real estate owner occupied		127,779		-		-
Commercial real estate, other		178,993		-		-
Commercial Non Real Estate
Commercial and industrial		52,136		-		10
Public Sector and IDA
States and political subdivisions		48,912		-		-
Consumer Non Real Estate
Credit cards		4,806		-		-
Automobile		10,253		-		-
Other consumer		19,266		-		3
Total	$	848,871	$	311	$	1,041

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]

	Number of Contracts		Pre-Modification Outstanding Principal Balance		Post-Modification Outstanding Principal Balance
Commercial Real Estate
Commercial real estate owner occupied		1	$	102	$	102
Commercial real estate, other		2		2,724		2,724
Total		3	$	2,826	$	2,826