Note 4 - Loans (Tables)

12 Months Ended

Dec. 31, 2023

Notes Tables

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

	2023			2022
Real Estate:
Land Development and Construction	$	66,942		$	52,731
Farmland		10,825			11,437
1-4 Family Mortgages		95,161			92,148
Commercial Real Estate		358,226			316,541
Total Real Estate Loans		531,154			472,857
Business Loans:
Commercial and Industrial Loans		93,060			96,500
Farm Production and Other Farm Loans		424			504
Total Business Loans		93,484			97,004
Consumer Loans:
Credit Cards		3,377			2,738
Other Consumer Loans		14,013			12,992
Total Consumer Loans		17,390			15,730
Total Gross Loans		642,028			585,591
Unearned Origination Fees		(1,083	)		(275	)
Allowance for Loan Losses		(6,551	)		(5,264	)
Loans, net	$	634,394		$	580,052

Schedule of Loans to Related Parties [Table Text Block]

Balance outstanding at December 31, 2022	$	923
Principal additions		584
Principal reductions		(45	)
Balance outstanding at December 31, 2023	$	1,462

Financing Receivable, Nonaccrual [Table Text Block]

	Nonaccrual With No Allowance for Credit Loss		Nonaccrual		Loans Past Due 90 Days or More Still Accruing
December 31, 2023
Loans secured by real estate:
Land Development and Construction	$	-	$	-	$	-
Farmland		-		95		-
1-4 Family Mortgages		-		1,670		-
Commercial Real Estate		399		504		-
Total Real Estate Loans		399		2,269		-
Business Loans:
Commercial and Industrial Loans		124		267		4
Farm Production and Other Farm Loans		-		-		-
Total Business Loans		124		267		-
Consumer Loans:
Other Consumer Loans		-		40		-
Credit Cards		-		-		12
Total Consumer Loans		-		40		12
Total	$	523	$	2,576	$	16

	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:
Other 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
2022	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:
Commercial and Industrial		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]

December 31, 2023	Stocks		Inventory		Real Estate		Receivables		Total
Loans secured by real estate:
Land Development and Construction	$	-	$	-	$	-	$	-	$	-
1-4 Family Mortgages		-		-		81		-		81
Commercial Real Estate		-		-		2,399		-		2,399
Total Real Estate Loans		-		-		2,480		-		2,480
Business Loans:
Commercial and Industrial Loans		1,280		92		-		32		1,404
Farm Production and Other Farm Loans		-		-		-		-		-
Total Business Loans		1,280		92		-		32		1,404
Total	$	1,280	$	92	$	2,480	$	32	$	3,884

Financing Receivable Credit Quality Indicators [Table Text Block]

Term Loans Amortized Cost Basis by Origination Year
December 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	$	23,439	$	3,514	$	1,173	$	13,160	$	860	$	226	$	23,282	$	65,654
Special Mention - Category 5 & 6		-		348		679		-		-		-		-		1,027
Substandard - Category 7		-		261		-		-		-		-		-		261
Doubtful - Category 8		-		-		-		-		-		-		-		-
Loss 9		-		-		-		-		-		-		-		-
Total Land Development and Construction		23,439		4,123		1,852		13,160		860		226		23,282		66,942
Farmland
Satisfactory - Categories 1-4		1,929		1,520		1,143		1,395		3,003		492		995		10,477
Special Mention - Category 5 & 6		-		-		80		-		129		37		-		246
Substandard - Category 7		-		32		6		4		17		43		-		102
Doubtful - Category 8		-		-		-		-		-		-		-		-
Loss 9		-		-		-		-		-		-		-		-
Total Farmland		1,929		1,552		1,229		1,399		3,149		572		995		10,825
1-4 Family Mortgages
Satisfactory - Categories 1-4		14,355		18,980		11,305		10,988		9,353		5,163		19,976		90,120
Special Mention - Category 5 & 6		497		184		93		464		296		157		76		1,767
Substandard - Category 7		275		34		274		262		79		1,918		351		3,193
Doubtful - Category 8		-		-		-		-		-		-		-		-
Loss 9		-		-		-		-		81		-		-		81
Total 1-4 Family Mortgages		15,127		19,198		11,672		11,714		9,809		7,238		20,403		95,161
Commercial Real Estate
Satisfactory - Categories 1-4		82,361		51,185		58,021		52,120		24,368		29,836		17,920		315,811
Special Mention - Category 5 & 6		9,172		2,414		2,193		917		4,481		288		3,855		23,320
Substandard - Category 7		-		67		3,636		-		264		15,128		-		19,095
Doubtful - Category 8		-		-		-		-		-		-		-		-
Loss 9		-		-		-		-		-		-		-		-
Total Commercial Real Estate		91,533		53,666		63,850		53,037		29,113		45,252		21,775		358,226
Total Real Estate Loans		132,028		78,539		78,603		79,310		42,931		53,288		66,455		531,154
Business Loans:
Commercial and Industrial Loans
Satisfactory - Categories 1-4		28,036		18,428		4,415		14,052		5,988		7,390		10,136		88,445
Special Mention - Category 5 & 6		23		116		-		246		-		441		2,141		2,967
Substandard - Category 7		-		16		83		-		4		720		825		1,648
Doubtful - Category 8		-		-		-		-		-		-		-		-
Loss 9		-		-		-		-		-		-		-		-
Total Commercial & Industrial		28,059		18,560		4,498		14,298		5,992		8,551		13,102		93,060
Farm Production and Other Farm Loans
Satisfactory - Categories 1-4		109		162		-		-		-		91		62		424
Special Mention - Category 5 & 6		-		-		-		-		-		-		-		-
Substandard - Category 7		-		-		-		-		-		-		-		-
Doubtful - Category 8		-		-		-		-		-		-		-		-
Loss 9		-		-		-		-		-		-		-		-
Total Farm Production & Other Farm		109		162		-		-		-		91		62		424
Total Business Loans		28,168		18,722		4,498		14,298		5,992		8,642		13,164		93,484
Consumer Loans:
Satisfactory - Categories 1-4		7,368		3,071		1,188		586		836		185		367		13,601
Special Mention - Category 5 & 6		2		-		-		-		3		-		-		5
Substandard - Category 7		337		37		31		-		-		-		-		405
Doubtful - Category 8		-		-		-		-		-		-		-		-
Loss 9		2		-		-		-		-		-		-		2
Total Consumer Loans		7,709		3,108		1,219		586		839		185		367		14,013
Credit Cards
Performing		-		-		-		-		-		-		3,365		3,365
Nonperforming		-		-		-		-		-		-		12		12
Total Credit Card		-		-		-		-		-		-		3,377		3,377
Gross LHFI	$	167,905	$	100,369	$	84,320	$	94,194	$	49,762	$	62,115	$	83,363	$	642,028
Less Unearned Origination Fees																(1,083	)
Less ACL																(6,551	)
Net LHFI															$	634,394

			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

Financing Receivable, Past Due [Table Text Block]

December 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	$	32	$	-	$	32	$	66,910	$	66,942
Farmland		90		-		90		10,735		10,825
1-4 Family Mortgages		1,024		179		1,203		93,958		95,161
Commercial Real Estate		1,080		67		1,147		357,079		358,226
Total Real Estate Loans		2,226		246		2,472		528,682		531,154
Business Loans:
Commercial and Industrial Loans		54		270		324		92,736		93,060
Farm Production and Other Farm Loans		-		-		-		424		424
Total Business Loans		54		270		324		93,160		93,484
Consumer Loans:
Credit Cards		65		12		77		3,300		3,377
Other Consumer Loans		116		-		116		13,897		14,013
Total Consumer Loans		181		12		193		17,197		17,390
Total	$	2,461	$	528	$	2,989	$	639,039	$	642,028

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:
Credit Cards		56		12		89		2,649		2,738
Other Consumer Loans		66		23		68		12,924		12,992
Total Consumer Loans		122		35		157		15,573		15,730
Total	$	3,005	$	1,271	$	4,276	$	581,315	$	585,591