Note 5 - Concentration of Credit Risk	9 Months Ended
Sep. 30, 2023
Notes to Financial Statements
Concentration Risk Disclosure [Text Block]	Note 5: Concentration of Credit Risk Under the California Financial Code, credit extended to any one person at any one time shall not exceed the following limitations: (a) unsecured credits shall not exceed 15 percent of the sum of the Bank’s shareholders’ equity, allowance for loan losses, capital notes, and debentures, or (b) secured and unsecured credits in all shall not exceed 25 percent of the sum of the Bank’s shareholders’ equity, allowance for loan losses, capital notes, and debentures. At September 30, 2023, the Bank did not have credit extended to any one entity exceeding these limits. At September 30, 2023, the Bank had 26 lending relationships each with aggregate amounts of $5 million or more. The Company has significant credit arrangements that are secured by real estate collateral. In addition to real estate loans outstanding as disclosed in Note 4, the Company had loan commitments related to real estate loans of $31,145 thousand and $34,790 thousand at September 30, 2023 and December 31, 2022, respectively. The Company requires collateral on all real estate loans with loan-to-value ratios at origination generally no greater than 75% on commercial real estate loans and no greater than 80% on residential real estate loans. At September 30, 2023, the Bank held corporate bonds in 107 issuing entities that exceeded $5 million for each issuer. [The remainder of this page intentionally left blank]

Note 5 - Concentration of Credit Risk

9 Months Ended

Sep. 30, 2023

Concentration Risk Disclosure [Text Block]

Note 5: Concentration of Credit Risk

Under the California Financial Code, credit extended to any one person at any one time shall not exceed the following limitations: (a) unsecured credits shall not exceed 15 percent of the sum of the Bank’s shareholders’ equity, allowance for loan losses, capital notes, and debentures, or (b) secured and unsecured credits in all shall not exceed 25 percent of the sum of the Bank’s shareholders’ equity, allowance for loan losses, capital notes, and debentures. At September 30, 2023, the Bank did not have credit extended to any one entity exceeding these limits. At September 30, 2023, the Bank had 26 lending relationships each with aggregate amounts of $5 million or more. The Company has significant credit arrangements that are secured by real estate collateral. In addition to real estate loans outstanding as disclosed in Note 4, the Company had loan commitments related to real estate loans of $31,145 thousand and $34,790 thousand at September 30, 2023 and December 31, 2022, respectively. The Company requires collateral on all real estate loans with loan-to-value ratios at origination generally no greater than 75% on commercial real estate loans and no greater than 80% on residential real estate loans. At September 30, 2023, the Bank held corporate bonds in 107 issuing entities that exceeded $5 million for each issuer.

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