Note 4 - Loans, Allowance for Credit Losses and Other Real Estate Owned (Tables)

9 Months Ended

Sep. 30, 2023

Notes Tables

Schedule of Loans Receivable [Table Text Block]

	At September 30,		At December 31,
	2023		2022
	(In thousands)
Commercial	$	135,575	$	169,617
Commercial real estate		494,282		491,107
Construction		5,043		3,088
Residential real estate		11,283		13,834
Consumer installment & other		239,667		280,842
Total	$	885,850	$	958,488

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

	Allowance for Credit Losses
	For the Three Months Ended September 30, 2023
												Consumer
				Commercial					Residential			Installment
	Commercial			Real Estate			Construction		Real Estate			and Other			Total
	(In thousands)
Allowance for credit losses:
Balance at beginning of period	$	4,764		$	6,083		$	202	$	32		$	7,399		$	18,480
(Reversal) provision		(345	)		(194	)		40		(6	)		905			400
Chargeoffs		(262	)		-			-		-			(1,827	)		(2,089	)
Recoveries		10			15			-		-			928			953
Total allowance for credit losses	$	4,167		$	5,904		$	242	$	26		$	7,405		$	17,744

	Allowance for Credit Losses
	For the Nine Months Ended September 30, 2023
												Consumer
				Commercial					Residential			Installment
	Commercial			Real Estate			Construction		Real Estate			and Other			Total
	(In thousands)
Allowance for credit losses:
Balance at beginning of period	$	6,138		$	5,888		$	150	$	32		$	8,076		$	20,284
(Reversal) provision		(3,755	)		(29	)		92		(6	)		2,548			(1,150	)
Chargeoffs		(410	)		-			-		-			(5,379	)		(5,789	)
Recoveries		2,194			45			-		-			2,160			4,399
Total allowance for credit losses	$	4,167		$	5,904		$	242	$	26		$	7,405		$	17,744

	Allowance for Credit Losses
	For the Three Months Ended September 30, 2022
										Consumer
				Commercial				Residential		Installment
	Commercial			Real Estate		Construction		Real Estate		and Other			Total
	(In thousands)
Allowance for credit losses:
Balance at beginning of period	$	6,536		$	5,916	$	96	$	35	$	9,730		$	22,313
(Reversal) provision		(164	)		14		32		-		118			-
Chargeoffs		-			-		-		-		(1,917	)		(1,917	)
Recoveries		72			14		-		-		736			822
Total allowance for credit losses	$	6,444		$	5,944	$	128	$	35	$	8,667		$	21,218

	Allowance for Credit Losses
	For the Nine Months Ended September 30, 2022
												Consumer
				Commercial					Residential			Installment
	Commercial			Real Estate			Construction		Real Estate			and Other			Total
	(In thousands)
Allowance for credit losses:
Balance at beginning of period	$	6,966		$	6,529		$	2	$	45		$	9,972		$	23,514
(Reversal) provision		(837	)		(631	)		126		(10	)		1,352			-
Chargeoffs		(20	)		-			-		-			(4,522	)		(4,542	)
Recoveries		335			46			-		-			1,865			2,246
Total allowance for credit losses	$	6,444		$	5,944		$	128	$	35		$	8,667		$	21,218

Financing Receivable Credit Quality Indicators [Table Text Block]

	Credit Risk Profile by Internally Assigned Grade
	At September 30, 2023
	Commercial		Commercial Real Estate		Construction		Residential Real Estate		Consumer Installment and Other		Total
	(In thousands)
Grade:
Pass	$	128,392	$	482,539	$	5,043	$	10,943	$	236,232	$	863,149
Substandard		7,183		11,743		-		340		863		20,129
Doubtful		-		-		-		-		1,422		1,422
Loss		-		-		-		-		1,150		1,150
Total	$	135,575	$	494,282	$	5,043	$	11,283	$	239,667	$	885,850

	Credit Risk Profile by Internally Assigned Grade
	At December 31, 2022
	Commercial		Commercial Real Estate		Construction		Residential Real Estate		Consumer Installment and Other		Total
	(In thousands)
Grade:
Pass	$	169,040	$	477,842	$	3,088	$	13,457	$	278,223	$	941,650
Substandard		577		13,265		-		377		1,079		15,298
Doubtful		-		-		-		-		752		752
Loss		-		-		-		-		788		788
Total	$	169,617	$	491,107	$	3,088	$	13,834	$	280,842	$	958,488

Financing Receivable, Past Due [Table Text Block]

	Summary of Loans by Delinquency and Nonaccrual Status
	At September 30, 2023
	Current and Accruing		30-59 Days Past Due and Accruing		60-89 Days Past Due and Accruing		Past Due 90 Days or More and Accruing		Nonaccrual		Total Loans
	(In thousands)
Commercial	$	135,477	$	-	$	25	$	73	$	-	$	135,575
Commercial real estate		493,537		443		110		-		192		494,282
Construction		5,043		-		-		-		-		5,043
Residential real estate		11,280		-		-		-		3		11,283
Consumer installment and other		232,558		5,014		1,125		956		14		239,667
Total	$	877,895	$	5,457	$	1,260	$	1,029	$	209	$	885,850

	Summary of Loans by Delinquency and Nonaccrual Status
	At December 31, 2022
	Current and Accruing		30-59 Days Past Due and Accruing		60-89 Days Past Due and Accruing		Past Due 90 Days or More and Accruing		Nonaccrual		Total Loans
	(In thousands)
Commercial	$	169,337	$	172	$	58	$	-	$	50	$	169,617
Commercial real estate		490,354		508		192		-		53		491,107
Construction		3,088		-		-		-		-		3,088
Residential real estate		13,430		377		-		-		27		13,834
Consumer installment and other		273,247		5,101		1,850		628		16		280,842
Total	$	949,456	$	6,158	$	2,100	$	628	$	146	$	958,488

Financing Receivable, Loans by Risk Category [Table Text Block]

	At September 30, 2023
															Line of
															Credit
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2019		2020		2021		2022		2023		Term Loans		Cost Basis		Total
	(In thousands)
Commercial loans by grade:
Pass	$	21,499	$	5,086	$	13,435	$	34,779	$	23,546	$	11,429	$	109,774	$	18,618	$	128,392
Substandard		12		2,525		-		2,835		-		600		5,972		1,211		7,183
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	21,511	$	7,611	$	13,435	$	37,614	$	23,546	$	12,029	$	115,746	$	19,829	$	135,575
Current gross chargeoffs on commercial loans:
Three months ended September 30, 2023	$	-	$	-	$	3	$	135	$	-	$	-	$	138	$	124	$	262
Nine months ended September 30, 2023		-		-		3		135		-		-		138		272		410

	At December 31, 2022
															Line of
															Credit
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2018		2019		2020		2021		2022		Term Loans		Cost Basis		Total
	(In thousands)
Commercial loans by grade:
Pass	$	23,891	$	5,549	$	12,557	$	17,293	$	53,928	$	23,966	$	137,184	$	31,856	$	169,040
Substandard		12		-		-		-		-		-		12		565		577
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	23,903	$	5,549	$	12,557	$	17,293	$	53,928	$	23,966	$	137,196	$	32,421	$	169,617

	At September 30, 2023
															Line of
															Credit
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2019		2020		2021		2022		2023		Term Loans		Cost Basis		Total
	(In thousands)
Commercial real estate loans by grade:
Pass	$	183,073	$	69,055	$	70,037	$	69,569	$	51,476	$	39,329	$	482,539	$	-	$	482,539
Substandard		10,137		815		791		-		-		-		11,743		-		11,743
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	193,210	$	69,870	$	70,828	$	69,569	$	51,476	$	39,329	$	494,282	$	-	$	494,282
Current gross chargeoffs on commercial real estate loans:
Three months ended September 30, 2023	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Nine months ended September 30, 2023		-		-		-		-		-		-		-		-		-

	At December 31, 2022
															Line of
															Credit
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2018		2019		2020		2021		2022		Term Loans		Cost Basis		Total
	(In thousands)
Commercial real estate loans by grade:
Pass	$	146,588	$	58,473	$	71,440	$	74,016	$	71,618	$	55,707	$	477,842	$	-	$	477,842
Substandard		8,083		-		2,112		806		-		2,264		13,265		-		13,265
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	154,671	$	58,473	$	73,552	$	74,822	$	71,618	$	57,971	$	491,107	$	-	$	491,107

	At September 30, 2023
															Line of
															Credit
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2019		2020		2021		2022		2023		Term Loans		Cost Basis		Total
	(In thousands)
Residential real estate loans by grade:
Pass	$	10,943	$	-	$	-	$	-	$	-	$	-	$	10,943	$	-	$	10,943
Substandard		340		-		-		-		-		-		340		-		340
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	11,283	$	-	$	-	$	-	$	-	$	-	$	11,283	$	-	$	11,283
Current gross chargeoffs on residential real estate loans:
Three months ended September 30, 2023	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Nine months ended September 30, 2023		-		-		-		-		-		-		-		-		-

	At December 31, 2022
															Line of
															Credit
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2018		2019		2020		2021		2022		Term Loans		Cost Basis		Total
	(In thousands)
Residential real estate loans by grade:
Pass	$	13,457	$	-	$	-	$	-	$	-	$	-	$	13,457	$	-	$	13,457
Substandard		377		-		-		-		-		-		377		-		377
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	13,834	$	-	$	-	$	-	$	-	$	-	$	13,834	$	-	$	13,834

	At September 30, 2023
															Line of
															Credit
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2019		2020		2021		2022		2023		Term Loans		Cost Basis		Total
	(In thousands)
Construction loans by grade:
Pass	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	5,043	$	5,043
Substandard		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	5,043	$	5,043
Current gross chargeoffs on construction loans:
Three months ended September 30, 2023	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Nine months ended September 30, 2023		-		-		-		-		-		-		-		-		-

	At December 31, 2022
															Line of
															Credit
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2018		2019		2020		2021		2022		Term Loans		Cost Basis		Total
	(In thousands)
Construction loans by grade:
Pass	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	3,088	$	3,088
Substandard		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	3,088	$	3,088

	At September 30, 2023
															Line of
															Credit
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2019		2020		2021		2022		2023		Term Loans		Cost Basis		Total
	(In thousands)
Consumer installment and other loans by delinquency and nonaccrual status:
Current	$	8,841	$	14,395	$	25,746	$	56,758	$	77,347	$	31,708	$	214,795	$	17,763	$	232,558
30-59 days past due		235		280		331		2,006		1,736		399		4,987		27		5,014
60-89 days past due		14		12		114		512		382		84		1,118		7		1,125
Past due 90 days or more		27		39		76		423		175		172		912		44		956
Nonaccrual		-		-		-		-		-		-		-		14		14
Total	$	9,117	$	14,726	$	26,267	$	59,699	$	79,640	$	32,363	$	221,812	$	17,855	$	239,667
Current gross chargeoffs on consumer installment and other loans:
Three months ended September 30, 2023	$	43	$	18	$	209	$	618	$	672	$	177		1,737	$	90	$	1,827
Nine months ended September 30, 2023		208		135		717		1,529		2,414		177		5,180		199		5,379

	At December 31, 2022
															Line of
															Credit
	Term Loans Amortized Cost Basis by Origination Year												Total		Amortized
	Prior		2018		2019		2020		2021		2022		Term Loans		Cost Basis		Total
	(In thousands)
Consumer installment and other loans by delinquency and nonaccrual status:
Current	$	6,017	$	13,147	$	22,330	$	35,783	$	76,126	$	99,414	$	252,817	$	20,430	$	273,247
30-59 days past due		117		268		572		1,014		1,709		1,359		5,039		62		5,101
60-89 days past due		42		65		67		275		635		750		1,834		16		1,850
Past due 90 days or more		3		20		16		61		284		241		625		3		628
Nonaccrual		-		-		-		-		-		-		-		16		16
Total	$	6,179	$	13,500	$	22,985	$	37,133	$	78,754	$	101,764	$	260,315	$	20,527	$	280,842