ALLOWANCE FOR LOAN LOSSES (Tables)

6 Months Ended

Jun. 30, 2022

Receivables [Abstract]

Schedule of allocation of portion of allowance

		Real estate secured
(Dollars are in thousands)		Commercial		Construction and Land Development		Residential 1-4 family		Multifamily		Farmland		Commercial		Agriculture		Consumer and All Other		Unallocated		Total
Six months ended             June 30, 2022
Beginning balance	$	2,134	$	189	$	2,237	$	254	$	149	$	1,099	$	28	$	108	$	537	$	6,735
Charge-offs		-		-		(24)		(61)		-		(28)		-		(45)		-		(158)
Recoveries		-		-		22		-		-		14		-		28		-		64
Provision		28		261		4		215		(8)		(232)		1		79		(173)		175
Ending balance	$	2,162	$	450	$	2,239	$	408	$	141	$	853	$	29	$	170	$	364	$	6,816
Three months ended       June 30, 2022
Beginning balance	$	2,132	$	229	$	2,198	$	313	$	143	$	1,005	$	28	$	112	$	599	$	6,759
Charge-offs		-		-		(24)		-		-		-		-		(31)		-		(55)
Recoveries		-		-		8		-		-		3		-		26		-		37
Provision		30		221		57		95		(2)		(155)		1		63		(235)		75
Ending balance	$	2,162	$	450	$	2,239	$	408	$	141	$	853	$	29	$	170	$	364	$	6,816
Allowance for loan losses at June 30, 2022
Individually evluated for impairment	$	77	$	207	$	47	$	50	$	-	$	-	$	-	$	-	$	-	$	381
Collectively evaluated for impairment		2,085		243		2,192		358		141		853		29		170		364		6,435
	$	2,162	$	450	$	2,239	$	408	$	141	$	853	$	29	$	170	$	364	$	6,816
Loans at June 30, 2022
Individually evluated for impairment	$	394	$	755	$	1,743	$	50	$	281	$	25	$	-	$	-	$	-	$	3,248
Collectively evaluated for impairment		196,216		36,935		221,979		37,561		17,774		46,672		3,623		21,623		-		582,383
	$	196,610	$	37,690	$	223,722	$	37,611	$	18,055	$	46,697	$	3,623	$	21,623	$	-	$	585,631

		Real estate secured
(Dollars are in thousands)		Commercial		Construction and Land Development		Residential 1-4 family		Multifamily		Farmland		Commercial		Agriculture		Consumer and All Other		Unallocated		Total
Allowance for loan losses at December 31, 2021
Individually evaluated for impairment	$	94	$	-	$	53	$	-	$	17	$	2	$	-	$	-	$	-	$	166
Collectively evaluated for impairment		2,040		189		2,184		254		132		1,097		28		108		537		6,569
	$	2,134	$	189	$	2,237	$	254	$	149	$	1,099	$	28	$	108	$	537	$	6,735
Loans at December 31, 2021
Individually evaluated for impairment	$	414	$	24	$	1,848	$	-	$	517	$	28	$	-	$	2	$	-	$	2,833
Collectively evaluated for impairment		205,748		32,301		222,682		33,048		18,218		54,297		4,021		20,596		-		590,911
	$	206,162	$	32,325	$	224,530	$	33,048	$	18,735	$	54,325	$	4,021	$	20,598	$	-	$	593,744

		Real estate secured
(Dollars are in thousands)		Commercial		Construction and Land Development		Residential 1-4 family		Multifamily		Farmland		Commercial		Agriculture		Consumer and All Other		Unallocated		Total
Six months ended                       June 30, 2021
Beginning balance	$	2,281	$	233	$	1,951	$	151	$	97	$	2,275	$	40	$	163	$	-	$	7,191
Charge-offs		(915)		-		(10)		-		-		(92)		-		(28)		-		(1,045)
Recoveries		2		-		17		-		-		131		1		27		-		178
Provision		783		(78)		88		9		40		(398)		(13)		(59)		-		372
Ending balance	$	2,151	$	155	$	2,046	$	160	$	137	$	1,916	$	28	$	103	$	-	$	6,696
Three months ended               June 30, 2021
Beginning balance	$	2,461	$	186	$	2,283	$	165	$	156	$	1,885	$	33	$	124	$	-	$	7,293
Charge-offs		(915)		-		(4)		-		-		-		-		(15)		-		(934)
Recoveries		-		-		9		-		-		131		1		10		-		151
Provision		605		(31)		(242)		(5)		(19)		(100)		(6)		(16)		-		186
Ending balance	$	2,151	$	155	$	2,046	$	160	$	137	$	1,916	$	28	$	103	$	-	$	6,696