Note 7- LHFL and ACL (Tables)

3 Months Ended

Mar. 31, 2023

Notes Tables

Financing Receivable, Nonaccrual [Table Text Block]

	Nonaccrual With No Allowance for Credit Loss		Nonaccrual		Loans Past Due 90 Days or More Still Accruing
March 31, 2023
Loans secured by real estate:
Land Development and Construction	$	-	$	2	$	-
Farmland		28		108		-
1-4 Family Mortgages		184		1,712		-
Commercial Real Estate		691		825		-
Total Real Estate Loansg		903		2,647		-
Business Loans:
Commercial and Industrial Loans		196		307		-
Farm Production and Other Farm Loans		-		-		-
Total Business Loans		196		307		-
Consumer Loans:
Consumer Loans		-		39		-
Credit Cards		-		-		5
Total Consumer Loans		-		39		5
Total	$	1,099	$	2,993	$	5

	Nonaccrual		Loans Past Due 90 Days or More Still Accruing
December 31, 2022
Loans secured by real estate:
Land Development and Construction	$	-	$	4
Farmland		117		-
1-4 Family Mortgages		1,720		-
Commercial Real Estate		846		95
Total Real Estate Loans		2,683		99
Business Loans:
Commercial and Industrial Loans		281		-
Farm Production and Other Farm Loans		-		-
Total Business Loans		281		-
Consumer Loans:
Consumer Loans		24		-
Credit Cards		-		12
Total Consumer Loans		24		12
Total	$	2,988	$	111

Impaired Financing Receivables [Table Text Block]

			Recorded		Recorded
	Unpaid		Investment		Investment		Total				Average
	Principal		With No		With		Recorded		Related		Recorded
	Balance		Allowance		Allowance		Investment		Allowance		Investment
Real Estate:
Land Development and Construction	$	-	$	-	$	-	$	-	$	-	$	86
Farmland		30		30		-		30		-		32
1-4 Family Mortgages		190		190		-		190		-		479
Commercial Real Estate		3,023		795		2,066		2,861		116		1,996
Total Real Estate Loans		3,243		1,015		2,066		3,081		116	$	2,593
Business Loans:
Commercial and Industrial Loans		304		196		-		196		-	$	214
Total Business Loans		304		196		-		196		-	$	214
Total Loans	$	3,547	$	1,211	$	2,066	$	3,277	$	116	$	2,807

Schedule of Collateral Dependent Loans [Table Text Block]

March 31, 2023	Inventory		Real Estate		Receivables		Total
Loans secured by real estate:
Land Development and Construction	$	-	$	-	$	-	$	-
Farmland		-		28		-		28
1-4 Family Mortgages		-		184		-		184
Commercial Real Estate		-		2,741		-		2,741
Total Real Estate Loans		-		2,953		-		2,953
Business Loans:
Commercial and Industrial Loans		92		-		104		196
Farm Production and Other Farm Loans		-		-		-		-
Total Business Loans		92		-		104		196
Total	$	92	$	2,953	$	104	$	3,149

Financing Receivable Credit Quality Indicators [Table Text Block]

March 31, 2023	2023		2022		2021		2020		2019		Prior		Revolving Loans		Total Loans
Loans secured by real estate:
Land Development and Construction
Satisfactory - Categories 1-4	$	2,496	$	7,876	$	6,566	$	7,982	$	950	$	1,167	$	24,425	$	51,462
Special Mention - Category 5 & 6		-		1,104		679		-		-		-		-		1,783
Substandard - Category 7		-		279		-		-		-		4		-		283
Doubtful - Category 8		-		-		-		-		-		-		-		-
Loss 9		-		-		-		-		-		-		-		-
Total Land Development and Construction		2,496		9,259		7,245		7,982		950		1,171		24,425		53,528
Farmland
Satisfactory - Categories 1-4		315		1,830		1,443		2,066		3,253		1,222		885		11,014
Special Mention - Category 5 & 6		-		-		88		-		138		38		-		264
Substandard - Category 7		-		37		17		11		29		51		-		145
Doubtful - Category 8		-		-		-		-		-		-		-		-
Loss 9		-		-		-		-		-		-		-		-
Total Farmland		315		1,867		1,548		2,077		3,420		1,311		885		11,423
1-4 Family Mortgages
Satisfactory - Categories 1-4		4,356		20,671		12,882		12,645		11,051		9,529		16,911		88,045
Special Mention - Category 5 & 6		-		198		46		135		305		984		176		1,844
Substandard - Category 7		-		37		288		378		137		2,340		411		3,591
Doubtful - Category 8		-		-		-		-		-		-		-		-
Loss 9		-		-		-		-		-		-		-		-
Total 1-4 Family Mortgages		4,356		20,906		13,216		13,158		11,493		12,853		17,498		93,480
Commercial Real Estate
Satisfactory - Categories 1-4		4,719		53,935		61,039		56,352		42,180		36,853		16,612		271,690
Special Mention - Category 5 & 6		66		2,493		2,285		1,073		1,487		463		-		7,867
Substandard - Category 7		-		187		3,758		2,805		269		25,700		-		32,719
Doubtful - Category 8		-		-		-		-		-		-		-		-
Loss 9		-		-		-		-		-		-		-		-
Total Commercial Real Estate		4,785		56,615		67,082		60,230		43,936		63,016		16,612		312,276
Total Real Estate Loans		11,952		88,647		89,091		83,447		59,799		78,351		59,420		470,707
Business Loans:
Commercial and Industrial Loans
Satisfactory - Categories 1-4		1,706		24,185		5,629		14,380		6,906		11,748		10,546		75,100
Special Mention - Category 5 & 6		-		133		-		337		8		1,368		2,811		4,657
Substandard - Category 7		-		3		55		-		59		261		72		450
Doubtful - Category 8		-		-		-		-		-		-		-		-
Loss 9		-		-		-		-		-		-		-		-
Total Commercial & Industrial Loans		1,706		24,321		5,684		14,717		6,973		13,377		13,429		80,207
Farm Production and Other Farm Loans
Satisfactory - Categories 1-4		-		272		-		9		-		92		91		464
Special Mention - Category 5 & 6		-		-		-		-		-		-		-		-
Substandard - Category 7		-		-		7		-		-		3		-		10
Doubtful - Category 8		-		-		-		-		-		-		-		-
Loss 9		-		-		-		-		-		-		-		-
Total Farm Production & Other Farm Loans		-		272		7		9		-		95		91		474
Total Business Loans		1,706		24,593		5,691		14,726		6,973		13,472		13,520		80,681
Consumer Loans:
Satisfactory - Categories 1-4		2,158		5,697		2,454		946		962		317		240		12,774
Special Mention - Category 5 & 6		-		-		-		-		-		4		-		4
Substandard - Category 7		238		24		27		3		1		1		-		294
Doubtful - Category 8		-		-		-		-		-		-		-		-
Loss 9		-		-		-		-		-		-		-		-
Total Consumer Loans		2,396		5,721		2,481		949		963		322		240		13,072
Credit Cards
Performing		-		-		-		-		-		-		2,775		2,775
Nonperforming		-		-		-		-		-		-		5		5
Total Credit Card		-		-		-		-		-		-		2,780		2,780
Gross LHFI	$	16,054	$	118,961	$	97,263	$	99,122	$	67,735	$	92,145	$	75,960	$	567,240
Less ACL																(6,017	)
Net LHFI															$	561,223

			Special
	Satisfactory		Mention		Substandard		Doubtful		Loss		Total
	1,2,3,4		5,6		7		8		9		Loans
Real Estate:
Land Development and Construction	$	50,015	$	2,427	$	289	$	-	$	-	$	52,731
Farmland		10,832		269		336		-		-		11,437
1-4 Family Mortgages		85,861		1,816		4,471		-		-		92,148
Commercial Real Estate		274,901		7,975		33,665		-		-		316,541
Total Real Estate Loans		421,609		12,487		38,761		-		-		472,857
Business Loans:
Commercial and Industrial Loans		91,016		4,902		577		-		5		96,500
Farm Production and Other Farm Loans		491		-		13		-		-		504
Total Business Loans		91,507		4,902		590		-		5		97,004
Consumer Loans:
Credit Cards		2,670		-		68		-		-		2,738
Other Consumer Loans		12,934		7		51		-		-		12,992
Total Consumer Loans		15,604		7		119		-		-		15,730
Total Loans	$	528,720	$	17,396	$	39,470	$	-	$	5	$	585,591

Financial Assets Non Purchased Loans [Member]

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

	March 31, 2023			December 31, 2022
Loans secured by real estate:
Land Development and Construction	$	53,528		$	52,731
Farmland		11,423			11,437
1-4 Family Mortgages		93,480			92,148
Commercial Real Estate		312,276			316,541
Total Real Estate Loans		470,707			472,857
Business Loans:
Commercial and Industrial Loans		80,207			96,500
Farm Production and Other Farm Loans		474			504
Total Business Loans		80,681			97,004
Consumer Loans:
Consumer Loans		13,072			12,992
Credit Cards		2,780			2,738
Total Consumer Loans		15,852			15,730
Gross LHFI		567,240			585,591
Less Allowance for credit losses		(6,017	)		(5,264	)
Net LHFI	$	561,223		$	580,327

Financing Receivable, Past Due [Table Text Block]

March 31, 2023	30 - 89 Days Past Due		Greater Than 89 Days Past Due		Total Past Due		Current Loans		Total
Loans secured by real estate:
Land Development and Construction	$	250	$	-	$	250	$	53,278	$	53,528
Farmland		233		-		233		11,190		11,423
1-4 Family Mortgages		1,527		216		1,743		91,737		93,480
Commercial Real Estate		640		504		1,144		311,132		312,276
Total Real Estate Loans		2,650		720		3,370		467,337		470,707
Business Loans:
Commercial and Industrial Loans		271		266		537		79,670		80,207
Farm Production and Other Farm Loans		-		-		-		474		474
Total Business Loans		271		266		537		80,144		80,681
Consumer Loans:
Consumer Loans		126		-		126		12,946		13,072
Credit Cards		60		5		65		2,715		2,780
Total Consumer Loans		186		5		191		15,661		15,852
Total	$	3,107	$	991	$	4,098	$	563,142	$	567,240

December 31, 2022	30 - 89 Days Past Due		Greater Than 89 Days Past Due		Total Past Due		Current Loans		Total
Loans secured by real estate:
Land Development and Construction	$	-	$	4	$	4	$	52,727	$	52,731
Farmland		38		30		68		11,369		11,437
1-4 Family Mortgages		1,799		439		2,238		89,910		92,148
Commercial Real Estate		933		486		1,419		315,122		316,541
Total Real Estate Loans		2,770		959		3,729		469,128		472,857
Business Loans:
Commercial and Industrial Loans		109		277		386		96,114		96,500
Farm Production and Other Farm Loans		4		-		4		500		504
Total Business Loans		113		277		390		96,614		97,004
Consumer Loans:
Consumer Loans		66		23		89		12,903		12,992
Credit Cards		56		12		68		2,670		2,738
Total Consumer Loans		122		35		157		15,573		15,730
Total	$	3,005	$	1,271	$	4,276	$	581,315	$	585,591