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Note 5 - Allowance for Loan Losses on Loans and Nonperforming Assets (Tables)

12 Months Ended

Dec. 31, 2023

Notes Tables

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

		Activity in the Allowance for Credit Losses on Loans for the Year Ended December 31, 2023
		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, 2022		$	450			$	2,199			$	3,642			$	930			$	319			$	506			$	179			$	8,225
Adoption of ASU 2016-13			(21	)			1,261				700				216				(15	)			72				129				2,342
Charge-offs			-				(17	)			-				(214	)			-				(247	)			-				(478	)
Recoveries			-				103				45				6				-				129				-				283
(Recovery of) provision for credit losses			(21	)			(384	)			(811	)			(256	)			29				123				42				(1,278	)
Balance, December 31, 2023		$	408			$	3,162			$	3,576			$	682			$	333			$	583			$	350			$	9,094

		Activity in the Allowance for Loan Losses by Segment for the Year Ended December 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			-				(13	)			-				(2	)			-				(352	)			-				(367	)
Recoveries			-				29				49				11				-				123				-				212
Provision for (recovery of) loan losses			28				253				472				(178	)			22				291				(182	)			706
Balance, December 31, 2022		$	450			$	2,199			$	3,642			$	930			$	319			$	506			$	179			$	8,225

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

Allowance for Credit Losses on Loans by Segment and Evaluation Method as of

December 31, 2023

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

$

-

$

74

$

367

$

126

$

-

$

5

$

-

$

572

Collectively evaluated

408

3,088

3,209

556

333

578

350

8,522

Total

$

408

$

3,162

$

3,576

$

682

$

333

$

583

$

350

$

9,094

Loans by Segment and Evaluation Method as of

December 31, 2023

Real Estate

Construction

Consumer

Real Estate

Commercial

Real Estate

Commercial

Non-Real

Estate

Public

Sector and

IDA

Consumer

Non-Real

Estate

Total

Individually evaluated

$

286

$

1,183

$

8,805

$

227

$

-

$

43

$

10,544

Collectively evaluated

55,093

240,381

410,325

41,328

60,551

38,953

846,631

Total

$

55,379

$

241,564

$

419,130

$

41,555

$

60,551

$

38,996

$

857,175

		Allowance for Loan Losses by Segment and Evaluation Method as of
December 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		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Collectively evaluated			450				2,199				3,642				930				319				506				179				8,225
Total		$	450			$	2,199			$	3,642			$	930			$	319			$	506			$	179			$	8,225

		Loans by Segment and Evaluation Method as of
December 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		$	-			$	186			$	2,583			$	263			$	-			$	-			$	3,032
Collectively evaluated			54,579				220,866				435,305				57,389				48,074				33,948				850,161
Total		$	54,579			$	221,052			$	437,888			$	57,652			$	48,074			$	33,948			$	853,193

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

		December 31,
		2023				2022
Ratio of ACLL to the end of period loans, net of unearned income and deferred fees and costs			1.06	%			0.96	%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs			0.02	%			0.02	%

Financing Receivable, Nonaccrual [Table Text Block]

		CECL												Incurred Loss
		December 31, 2023												December 31, 2022
Nonaccrual Loans		With No Allowance				With an Allowance				Total
Consumer Real Estate
Residential closed-end first liens		$	-			$	-			$	-			$	91
Commercial Real Estate
Commercial real estate owner-occupied			2,177				231				2,408				2,493
Commercial Non-Real Estate
Commercial and industrial			-				221				221				263
Total		$	2,177			$	452			$	2,629			$	2,847

December 31, 2023		Accruing Current Loans				Accruing Loans 30 – 89 Days Past Due				Accruing Loans 90 or More Days Past Due				Nonaccrual Loans				Total Loans				Accruing and Nonaccrual 90 or More Days Past Due
Real Estate Construction
Construction, 1-4 family residential		$	13,442			$	-			$	-			$	-			$	13,442			$	-
Construction, other			41,916				21				-				-				41,937				-
Consumer Real Estate
Equity line			17,178				104				-				-				17,282				-
Residential closed-end first liens			124,886				662				131				-				125,679				131
Residential closed-end junior liens			5,027				12				-				-				5,039				-
Investor-owned residential real estate			93,564				-				-				-				93,564				-
Commercial Real Estate
Multifamily residential real estate			119,052				195				-				-				119,247				-
Commercial real estate owner-occupied			114,477				336				-				2,408				117,221				231
Commercial real estate, other			182,662				-				-				-				182,662				-
Commercial Non-Real Estate
Commercial and industrial			41,249				57				28				221				41,555				28
Public Sector and IDA
States and political subdivisions			60,551				-				-				-				60,551				-
Consumer Non-Real Estate
Credit cards			4,648				17				3				-				4,668				3
Automobile			12,126				135				-				-				12,261				-
Other consumer loans			21,934				107				26				-				22,067				26
Total		$	852,712			$	1,646			$	188			$	2,629			$	857,175			$	419

December 31, 2022		Accruing Current Loans				Accruing Loans 30 – 89 Days Past Due				Accruing Loans 90 or More Days Past Due				Nonaccrual Loans				Total Loans				Accruing and Nonaccrual 90 or More Days Past Due
Real Estate Construction
Construction, 1-4 family residential		$	12,538			$	-			$	-			$	-			$	12,538			$	-
Construction, other			42,041				-				-				-				42,041				-
Consumer Real Estate
Equity line			15,010				16				-				-				15,026				-
Residential closed-end first liens			121,807				750				-				91				122,648				91
Residential closed-end junior liens			2,446				-				-				-				2,446				-
Investor-owned residential real estate			80,524				408				-				-				80,932				-
Commercial Real Estate
Multifamily residential real estate			127,312				-				-				-				127,312				-
Commercial real estate owner-occupied			126,640				-				-				2,493				129,133				252
Commercial real estate, other			181,443				-				-				-				181,443				-
Commercial Non-Real Estate
Commercial and industrial			57,373				16				-				263				57,652				-
Public Sector and IDA
States and political subdivisions			48,074				-				-				-				48,074				-
Consumer Non-Real Estate
Credit cards			4,592				3				2				-				4,597				2
Automobile			9,833				102				-				-				9,935				-
Other consumer loans			19,317				93				6				-				19,416				6
Total		$	848,950			$	1,388			$	8			$	2,847			$	853,193			$	351

Impaired Financing Receivables [Table Text Block]

		Individually Evaluated Loans under Incurred Loss as of December 31, 2022
		Principal Balance				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		$	186			$	186			$	186			$	-			$	-
Commercial Real Estate
Commercial real estate, owner occupied			3,248				2,583				2,583				-				-
Commercial Non-Real Estate
Commercial and industrial			285				263				263				-				-
Total		$	3,719			$	3,032			$	3,032			$	-			$	-

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

		For the Year Ended December 31, 2022
		Average Recorded Investment⁽¹⁾				Interest Income Recognized
Consumer Real Estate
Investor-owned residential real estate		$	188			$	13
Commercial Real Estate
Commercial real estate, owner occupied			2,587				5
Commercial real estate, other			729				-
Commercial Non-Real Estate
Commercial and industrial			272				-
Total		$	3,776			$	18

Financing Receivable, Collateral Dependent Loan [Table Text Block]

December 31, 2023		Amortized Cost				Related Allowance
Consumer Real Estate
Residential closed-end first lien		$	7			$	-
Commercial Real Estate
Commercial real estate owner-occupied			2,177				-
Total Loans		$	2,184			$	-

Financing Receivable Credit Quality Indicators [Table Text Block]

		Term Loans Amortized Cost Basis by Origination Year																												Revolving Loans
December 31, 2023		Prior				2019				2020				2021				2022				2023				Revolving				Converted to Term				Total
Construction, residential
Pass		$	-			$	-			$	246			$	158			$	3,275			$	5,157			$	4,606			$	-			$	13,442
Construction, other
Pass		$	2,741			$	1,094			$	1,305			$	12,671			$	17,397			$	4,884			$	1,559			$	-			$	41,651
Classified			-				-				-				286				-				-				-				-				286
Total		$	2,741			$	1,094			$	1,305			$	12,957			$	17,397			$	4,884			$	1,559			$	-			$	41,937
Equity lines
Pass		$	51			$	-			$	-			$	-			$	-			$	-			$	17,182			$	-			$	17,233
Classified			-				-				-				-				-				-				49				-				49
Total		$	51			$	-			$	-			$	-			$	-			$	-			$	17,231			$	-			$	17,282
*Residential closed-end first liens*
Pass		$	32,404			$	5,806			$	14,634			$	31,414			$	29,787			$	11,208			$	-			$	-			$	125,253
Classified			426				-				-				-				-				-				-				-				426
Total		$	32,830			$	5,806			$	14,634			$	31,414			$	29,787			$	11,208			$	-			$	-			$	125,679
YTD gross charge-offs		$	-			$	-			$	17			$	-			$	-			$	-			$	-			$	-			$	17
*Residential closed-end junior liens*
Pass		$	1,499			$	116			$	-			$	172			$	1,387			$	1,850			$	-			$	15			$	5,039
*Investor-owned residential real estate*
Pass		$	24,556			$	5,162			$	23,649			$	19,062			$	14,166			$	4,880			$	1,283			$	98			$	92,856
Classified			708				-				-				-				-				-				-				-				708
Total		$	25,264			$	5,162			$	23,649			$	19,062			$	14,166			$	4,880			$	1,283			$	98			$	93,564
*Multifamily residential real estate*
Pass		$	40,092			$	1,806			$	2,148			$	40,544			$	25,681			$	8,850			$	126			$	-			$	119,247
*Commercial real estate, owner occupied*
Pass		$	41,573			$	11,091			$	23,407			$	4,792			$	16,720			$	7,914			$	2,919			$	-			$	108,416
Special mention			6,396				-				-				-				-				-				-				-				6,396
Classified			2,409				-				-				-				-				-				-				-				2,409
Total		$	50,378			$	11,091			$	23,407			$	4,792			$	16,720			$	7,914			$	2,919			$	-			$	117,221
*Commercial real estate, other*
Pass		$	68,889			$	21,841			$	19,098			$	36,157			$	22,697			$	13,279			$	701			$	-			$	182,662
*Commercial and industrial*
Pass		$	6,004			$	438			$	1,060			$	12,667			$	6,954			$	6,938			$	7,267			$	-			$	41,328
Classified			220				-				-				-				7				-				-				-				227
Total		$	6,224			$	438			$	1,060			$	12,667			$	6,961			$	6,938			$	7,267			$	-			$	41,555
YTD gross charge-offs		$	-			$	12			$	-			$	-			$	-			$	12			$	190			$	-			$	214
Public sector and IDA
Pass		$	20,817			$	-			$	235			$	26,702			$	6,335			$	6,462			$	-			$	-			$	60,551
Credit cards
Pass		$	-			$	-			$	-			$	-			$	-			$	-			$	4,668			$	-			$	4,668
YTD gross charge-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	39			$	-			$	39
Automobile
Pass		$	78			$	204			$	563			$	1,619			$	2,750			$	7,047			$	-			$	-			$	12,261
YTD gross charge-offs		$	-			$	3			$	-			$	1			$	38			$	-			$	-			$	-			$	42
Other Consumer
Pass		$	93			$	334			$	811			$	1,943			$	5,815			$	12,356			$	672			$	-			$	22,024
Special mention			-				-				-				-				-				17				-				-				17
Classified			-				-				-				-				11				15				-				-				26
Total		$	93			$	334			$	811			$	1,943			$	5,826			$	12,388			$	672			$	-			$	22,067
YTD gross charge-offs		$	-			$	-			$	-			$	19			$	52			$	95			$	-			$	-			$	166
Total Loans
Pass		$	238,797			$	47,892			$	87,156			$	187,901			$	152,964			$	90,825			$	40,983			$	113			$	846,631
Special mention			6,396				-				-				-				-				17				-				-				6,413
Classified			3,763				-				-				286				18				15				49				-				4,131
Total		$	248,956			$	47,892			$	87,156			$	188,187			$	152,982			$	90,857			$	41,032			$	113			$	857,175
YTD gross charge-offs		$	-			$	15			$	17			$	20			$	90			$	107			$	229			$	-			$	478

December 31, 2022		Pass				Special Mention				Classified
Real Estate Construction
Construction, 1-4 family residential		$	12,538			$	-			$	-
Construction, other			41,741				-				300
Consumer Real Estate
Equity lines			15,026				-				-
Residential closed-end first liens			122,187				-				461
Residential closed-end junior liens			2,446				-				-
Investor-owned residential real estate			80,143				-				603
Commercial Real Estate
Multifamily residential real estate			127,312				-				-
Commercial real estate owner-occupied			126,550				-				-
Commercial real estate, other			181,443				-				-
Commercial Non-Real Estate
Commercial and industrial			57,381				-				8
Public Sector and IDA
States and political subdivisions			48,074				-				-
Consumer Non-Real Estate
Credit cards			4,597				-				-
Automobile			9,932				-				3
Other consumer			19,398				-				18
Total		$	848,768			$	-			$	1,393

Financing Receivable, Modified [Table Text Block]

		Interest Only Payments
Year Ended December 31, 2023		Amortized Cost Basis				% of Portfolio				Financial Effect
Commercial Real Estate
Commercial real estate owner-occupied		$	6,396				5.46	%		6 months of interest only payments, after which remaining balance will be re-amortized to the contractual maturity date.

Unfunded Loan Commitment [Member]

Notes Tables

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

Allowance for Credit Losses on Unfunded Commitments
Balance, December 31, 2022		$	35
Adoption of ASU 2016-13			207
Provision for credit losses			17
Balance, December 31, 2023		$	259