Note 5 - ACL on LHFI (Tables)

12 Months Ended

Dec. 31, 2023

Notes Tables

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

	Real			Business
	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
PCL		626			(189	)		27			464
Chargeoffs		22			83			148			253
Recoveries		218			39			184			441
Net recoveries		(196	)		44			(36	)		(188	)
Ending Balance December 31, 2023	$	5,641		$	536		$	374		$	6,551
Period end allowance allocated to:
Loans individually evaluated for impairment	$	56		$	-		$	86		$	142
Loans collectively evaluated for impairment		5,585			536			288			6,409
Ending Balance, December 31, 2023	$	5,641		$	536		$	374		$	6,551
December 31, 2023
Loans individually evaluated for specific impairment	$	2,399		$	1,404		$	224		$	4,027
Loans collectively evaluated for general impairment		528,755			92,080			17,166			638,001
	$	531,154		$	93,484		$	17,390		$	642,028

	Real			Business
	Estate			Loans		Consumer			Total
Beginning Balance, January 1, 2022	$	3,622		$	645	$	246		$	4,513
PCL		279			96		(251	)		124
Chargeoffs		8			61		110			179
Recoveries		261			33		512			806
Net chargeoffs (recoveries)		(253	)		28		(402	)		(627	)
Ending Balance December 31, 2022	$	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, December 31, 2022	$	4,154		$	713	$	397		$	5,264
December 31, 2022
Loans individually evaluated for specific impairment	$	3,081		$	196	$	-		$	3,277
Loans collectively evaluated for general impairment		469,776			96,808		15,730			582,314
	$	472,857		$	97,004	$	15,730		$	585,591

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
December 31, 2023
Loans secured by real estate:
Commercial Real Estate	$	-	$	-	$	-	$	-	$	5	$	17	$	-	$	22
Total Real Estate Loans		-		-		-		-		5		17		-		22
Business Loans
Commercial and Industrial Loans		5		-		-		-		-		78		-		83
Total Business Loans		5		-		-		-		-		78		-		83
Total Consumer Loans		12		28		6		4		-		-		-		50
Total Credit Card		-		-		-		-		-		-		98		98
Total gross charge-offs	$	17	$	28	$	6	$	4	$	5	$	95	$	98	$	253

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

	For the Twelve Months
	Ended December 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		205
Ending Balance	$	882