Note 5 - Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2022

Notes Tables

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

	Real			Business
2022	Estate			Loans		Consumer			Total
Beginning Balance	$	3,622		$	645	$	246		$	4,513
Provision for loan losses		279			96		(251	)		124
Chargeoffs		8			61		110			179
Recoveries		261			33		512			806
Net chargeoffs		(253	)		28		(402	)		(627	)
Ending Balance	$	4,154		$	713	$	397		$	5,264
Period end allowance allocated to:
Loans individually evaluated for impairment	$	116		$	-	$	-		$	116
Loans collectively evaluated for impairment		4,038			713		397			5,148
Ending Balance	$	4,154		$	713	$	397		$	5,264

	Real		Business
2021	Estate		Loans		Consumer		Total
Beginning Balance	$	3,885	$	611	$	239	$	4,735
Provision for loan losses		231		199		979		1,409
Chargeoffs		628		183		1,327		2,138
Recoveries		134		18		355		507
Net chargeoffs		494		165		972		1,631
Ending Balance	$	3,622	$	645	$	246	$	4,513
Period end allowance allocated to:
Loans individually evaluated for impairment	$	3	$	36	$	-	$	39
Loans collectively evaluated for impairment		3,619		609		246		4,474
Ending Balance	$	3,622	$	645	$	246	$	4,513

	Real		Business
2020	Estate		Loans		Consumer			Total
Beginning Balance	$	3,075	$	371	$	309		$	2,334
Provision for loan losses		1,072		422		(9	)		1,485
Chargeoffs		384		229		104			717
Recoveries		122		47		43			212
Net chargeoffs		262		182		61			505
Ending Balance	$	3,885	$	611	$	239		$	4,735
Period end allowance allocated to:
Loans individually evaluated for impairment	$	782	$	125	$	-		$	907
Loans collectively evaluated for impairment		3,103		486		239			3,828
Ending Balance	$	3,885	$	611	$	239		$	4,735

Impairment Evaluation of Financing Receivables [Table Text Block]

	Real		Business
2022	Estate		Loans		Consumer		Total
Loans individually evaluated for impairment	$	3,081	$	196	$	-	$	3,277
Loans collectively evaluated for impairment		469,776		96,808		15,730		582,314
	$	472,857	$	97,004	$	15,730	$	585,591

	Real		Business
2021	Estate		Loans		Consumer		Total
Loans individually evaluated for impairment	$	2,102	$	232	$	-	$	2,334
Loans collectively evaluated for impairment		462,674		92,890		13,949		569,513
	$	464,776	$	93,122	$	13,949	$	571,847

Financing Receivable, Allowance for Credit Loss, Net Charge-offs [Table Text Block]

	2022			2021			2020
Real Estate:
Land Development and Construction	$	(14	)	$	27		$	(6	)
Farmland		(1	)		(1	)		-
1-4 Family Mortgages		(71	)		(76	)		243
Commercial Real Estate		(167	)		544			25
Total Real Estate Loans		(253	)		494			262
Business Loans:
Commercial and Industrial Loans		31			165			182
Farm Production and Other Farm Loans		(3	)		-			-
Total Business Loans		28			165			182
Consumer Loans:
Credit Cards		46			19			39
Other Consumer Loans		(448	)		953			22
Total Consumer Loans		(402	)		972			61
Total net (recoveries) chargeoffs	$	(627	)	$	1,631		$	505