XML 48 R38.htm IDEA: XBRL DOCUMENT v3.24.3
Loans (Details 5) - USD ($)
3 Months Ended 9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Sep. 30, 2024
Sep. 30, 2023
Beginning Balance $ 10,016,000 $ 9,789,000 $ 11,041,000 $ 10,494,000
Adjustment for CECL implementation       (1,220,000)
Charge-offs (207) (235) (1,436) (579)
Recoveries 104,000 41,000 480,000 282,000
Provision (recovery) for loan losses 703,000 690,000 531,000 1,308,000
Loans, Ending Balance 10,616,000 10,285,000 10,616,000 10,285,000
Allowance for credit loss-loans 10,616,000 10,285,000 10,616,000 10,285,000
Allowance for credit losses loan commitments 1,159,000 2,131,000 1,159,000 2,131,000
Total allowance for credit losses 11,775,000 12,416,000 11,775,000 12,416,000
Unallocated        
Adjustment for CECL implementation       (1,752,000)
Charge-offs   0   0
Recoveries   0   0
Provision (recovery) for loan losses   0   0
Loans, Ending Balance   0   0
Allowance for credit loss-loans   0   0
Allowance for credit losses loan commitments   0   0
Total allowance for credit losses   0   0
Beginning Balance   0   1,752,000
Consumer And All Other [Member]        
Adjustment for CECL implementation       48,000
Charge-offs (157,000) (141,000) (513,000) (450,000)
Recoveries 69,000 24,000 134,000 106,000
Provision (recovery) for loan losses 105,000 131,000 351,000 334,000
Loans, Ending Balance 217,000 252,000 217,000 252,000
Allowance for credit loss-loans 217,000 252,000 217,000 252,000
Allowance for credit losses loan commitments 3,000 2,000 3,000 2,000
Total allowance for credit losses 220,000 254,000 220,000 254,000
Beginning Balance 200,000 238,000 245,000 214,000
Commercial Loans (Not Secured by Real Estate)        
Adjustment for CECL implementation       (295,000)
Charge-offs (50,000) (94,000) (797,000) (129,000)
Recoveries 6,000 8,000 45,000 40,000
Provision (recovery) for loan losses 130,000 90,000 394,000 98,000
Loans, Ending Balance 454,000 371,000 454,000 371,000
Allowance for credit loss-loans 454,000 371,000 454,000 371,000
Allowance for credit losses loan commitments 11,000 0 11,000 0
Total allowance for credit losses 465,000 371,000 465,000 371,000
Beginning Balance 368,000 367,000 812,000 657,000
Multifamily and Farmland        
Adjustment for CECL implementation       115,000
Charge-offs 0 0 0 0
Recoveries 0 0 0 0
Provision (recovery) for loan losses 63,000 (15,000) 66,000 (6,000)
Loans, Ending Balance 334,000 273,000 334,000 273,000
Allowance for credit loss-loans 334,000 273,000 334,000 273,000
Allowance for credit losses loan commitments 0 0 0 0
Total allowance for credit losses 334,000 273,000 334,000 273,000
Beginning Balance 271,000 288,000 268,000 164,000
Construction and Land Development        
Beginning Balance 3,318,000 3,227,000 3,913,000 1,415,000
Adjustment for CECL implementation       1,584,000
Charge-offs 0 0 0 0
Recoveries 0 0 0 0
Provision (recovery) for loan losses 245,000 391,000 (350,000) 619,000
Loans, Ending Balance 3,563,000 3,618,000 3,563,000 3,618,000
Allowance for credit loss-loans 3,563,000 3,618,000 3,563,000 3,618,000
Allowance for credit losses loan commitments 1,144,000 2,071,000 1,144,000 2,071,000
Total allowance for credit losses 4,707,000 5,689,000 4,707,000 5,689,000
Single-Family Residential        
Adjustment for CECL implementation       64,000
Charge-offs 0 0 (126,000) 0
Recoveries 29,000 8,000 99,000 131,000
Provision (recovery) for loan losses (19,000) 105 37,000 135,000
Loans, Ending Balance 3,494,000 3,415,000 3,494,000 3,415,000
Allowance for credit loss-loans 3,494,000 3,415,000 3,494,000 3,415,000
Allowance for credit losses loan commitments 1,000 58,000 1,000 58,000
Total allowance for credit losses 3,495,000 3,473,000 3,495,000 3,473,000
Beginning Balance 3,484,000 3,302,000 3,484,000 3,085,000
Commercial        
Adjustment for CECL implementation       (986,000)
Charge-offs 0 0 0 0
Recoveries 0 1,000 202,000 5,000
Provision (recovery) for loan losses 179,000 (12,000) 34,000 128,000
Loans, Ending Balance 2,553,000 2,354,000 2,553,000 2,354,000
Allowance for credit loss-loans 2,553,000 2,354,000 2,553,000 2,354,000
Allowance for credit losses loan commitments 0 0 0 0
Total allowance for credit losses 2,553,000 2,354,000 2,553,000 2,354,000
Beginning Balance 2,374,000 2,365,000 2,317,000 3,207,000
Farm Loans (Not Secured by Real Estate)        
Adjustment for CECL implementation       2,000
Charge-offs 0 0 0 0
Recoveries 0 0 0 0
Provision (recovery) for loan losses 0 0 (1,000) 0
Loans, Ending Balance 1,000 2,000 1,000 2,000
Allowance for credit loss-loans 1,000 2,000 1,000 2,000
Allowance for credit losses loan commitments 0 0 0 0
Total allowance for credit losses 1,000 2,000 1,000 2,000
Beginning Balance $ 1,000 $ 2,000 $ 2,000 $ 0