Note 8 - ACL on LHFI (Tables)

3 Months Ended

Mar. 31, 2023

Notes Tables

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

	Real			Business
March 31, 2023	Estate			Loans			Consumer			Total
Beginning Balance, January 1, 2023	$	4,154		$	713		$	397		$	5,264
FASB ASU 2016-13 adoption adjustment		665			56			(86	)		635
Provision for credit losses ("PCL")		(46	)		112			(19	)		47
Chargeoffs		1			-			32			33
Recoveries		26			7			71			104
Net recoveries		(25	)		(7	)		(39	)		(71	)
Ending Balance	$	4,798		$	888		$	331		$	6,017
Period end allowance allocated to:
Loans individually evaluated for impairment	$	100		$	-		$	-		$	100
Loans collectively evaluated for impairment		4,698			888			331			5,917
Ending Balance, March 31, 2023	$	4,798		$	888		$	331		$	6,017

	Real			Business
March 31, 2022	Estate			Loans		Consumer			Total
Beginning Balance, January 1, 2022	$	3,622		$	645	$	246		$	4,513
PCL		170			57		(134	)		93
Chargeoffs		-			56		26			82
Recoveries		50			5		197			252
Net chargeoffs (recoveries)		(50	)		51		(171	)		(170	)
Ending Balance	$	3,842		$	651	$	283		$	4,776
Period end allowance allocated to:
Loans individually evaluated for impairment	$	-		$	-	$	-		$	-
Loans collectively evaluated for impairment		3,842			651		283			4,776
Ending Balance, March 31, 2022	$	3,842		$	651	$	283		$	4,776

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

													Revolving		Total Charge-
	2023		2022		2021		2020		2019		Prior		Loans		Offs
Gross Charge-Offs
March 31, 2023
Loans secured by real estate:
Commercial Real Estate	$	-	$	-	$	-	$	-	$	-	$	1	$	-	$	1
Total Real Estate Loans		-		-		-		-		-		1		-		1
Total Consumer Loans		-		2		-		4		-		-		-		6
Total Credit Card		-		-		-		-		-		-		26		26
Net LHFI	$	-	$	2	$	-	$	4	$	-	$	1	$	26	$	33

Off-Balance-Sheet Credit Exposure [Table Text Block]

For the three months ended March 31, 2023
ACL for off-balance sheet credit exposure:
Beginning balance	$	-
FASB ASU 2016-13 adoption adjustment		677
PCL for off-balance sheet credit exposure		(41	)
Ending Balance	$	636