Note 3 - Loans and Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2023

Notes Tables

Schedule of Loans Receivable [Table Text Block]

	At December 31,		At December 31,
	2023		2022
	(In thousands)
Commercial	$	136,550	$	169,617
Commercial real estate		487,523		491,107
Construction		5,063		3,088
Residential real estate		9,935		13,834
Consumer installment & other		227,531		280,842
Total	$	866,602	$	958,488

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

	Allowance for Credit Losses
	For the Year Ended December 31, 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		(3,871	)		11			95		(6	)		2,621			(1,150	)
Chargeoffs		(410	)		(45	)		-		-			(7,499	)		(7,954	)
Recoveries		2,359			71			-		-			3,257			5,687
Total allowance for credit losses	$	4,216		$	5,925		$	245	$	26		$	6,455		$	16,867

	Allowance for Credit Losses
	For the Year Ended December 31, 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		(1,184	)		(703	)		148		(13	)		1,758			6
Chargeoffs		(20	)		-			-		-			(6,205	)		(6,225	)
Recoveries		376			62			-		-			2,551			2,989
Total allowance for credit losses	$	6,138		$	5,888		$	150	$	32		$	8,076		$	20,284

	Allowance for Credit Losses
	For the Year Ended December 31, 2021
												Consumer
				Commercial					Residential			Installment
	Commercial			Real Estate		Construction			Real Estate			and Other			Total
	(In thousands)
Allowance for credit losses:
Balance at beginning of period	$	9,205		$	5,660	$	6		$	47		$	8,936		$	23,854
(Reversal) provision		(2,411	)		126		(4	)		(2	)		2,293			2
Chargeoffs		(56	)		-		-			-			(3,192	)		(3,248	)
Recoveries		228			743		-			-			1,935			2,906
Total allowance for credit losses	$	6,966		$	6,529	$	2		$	45		$	9,972		$	23,514

Financing Receivable Credit Quality Indicators [Table Text Block]

	Credit Risk Profile by Internally Assigned Grade
	At December 31, 2023
	Commercial		Commercial Real Estate		Construction		Residential Real Estate		Consumer Installment and Other		Total
	(In thousands)
Grade:
Pass	$	130,001	$	475,870	$	5,063	$	9,606	$	225,089	$	845,629
Substandard		6,549		11,653		-		329		377		18,908
Doubtful		-		-		-		-		1,479		1,479
Loss		-		-		-		-		586		586
Total	$	136,550	$	487,523	$	5,063	$	9,935	$	227,531	$	866,602

	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 December 31, 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	$	136,421	$	58	$	-	$	-	$	71	$	136,550
Commercial real estate		485,476		951		766		-		330		487,523
Construction		5,063		-		-		-		-		5,063
Residential real estate		9,933		-		-		-		2		9,935
Consumer installment and other		220,357		5,544		1,242		388		-		227,531
Total	$	857,250	$	6,553	$	2,008	$	388	$	403	$	866,602

	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 December 31, 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	$	20,554	$	4,471	$	12,601	$	31,770	$	22,146	$	13,112	$	104,654	$	25,347	$	130,001
Substandard		12		2,492		-		2,835		-		-		5,339		1,210		6,549
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	20,566	$	6,963	$	12,601	$	34,605	$	22,146	$	13,112	$	109,993	$	26,557	$	136,550
Current gross chargeoffs on commercial loans:
For the year ended December 31, 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 December 31, 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	$	172,925	$	68,156	$	69,324	$	68,891	$	50,899	$	45,675	$	475,870	$	-	$	475,870
Substandard		10,056		811		786		-		-		-		11,653		-		11,653
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	182,981	$	68,967	$	70,110	$	68,891	$	50,899	$	45,675	$	487,523	$	-	$	487,523
Current gross chargeoffs on commercial real estate loans:
For the year ended December 31, 2023
	$	45	$	-	$	-	$	-	$	-	$	-	$	45	$	-	$	45

	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 December 31, 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	$	9,606	$	-	$	-	$	-	$	-	$	-	$	9,606	$	-	$	9,606
Substandard		329		-		-		-		-		-		329		-		329
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	9,935	$	-	$	-	$	-	$	-	$	-	$	9,935	$	-	$	9,935
Current gross chargeoffs on residential real estate loans:
For the year ended December 31, 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 December 31, 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	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	5,063	$	5,063
Substandard		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-		-
Total	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	5,063	$	5,063
Current gross chargeoffs on construction loans:
For the year ended December 31, 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 December 31, 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	$	6,545	$	12,144	$	22,700	$	51,055	$	71,388	$	38,699	$	202,531	$	17,826	$	220,357
30-59 days past due		160		277		600		2,345		1,733		332		5,447		97		5,544
60-89 days past due		31		51		153		410		430		122		1,197		45		1,242
Past due 90 days or more		-		8		88		143		138		-		377		11		388
Nonaccrual		-		-		-		-		-		-		-		-		-
Total	$	6,736	$	12,480	$	23,541	$	53,953	$	73,689	$	39,153	$	209,552	$	17,979	$	227,531
Current gross chargeoffs on consumer installment and other loans:
For the year ended December 31, 2023
	$	246	$	161	$	843	$	2,329	$	3,191	$	453	$	7,223	$	276	$	7,499

	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