Note C - Loans (Tables)

12 Months Ended

Dec. 31, 2022

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

December 31,	2022		2021
Gaming	$	9,965	$	7,900
Hotel/motel		35,737		50,765
Real estate, construction		30,146		27,191
Real estate, mortgage		144,043		128,352
Commercial and industrial		10,497		15,882
Other		7,490		9,072
Total	$	237,878	$	239,162

Schedule of Related Party Transactions [Table Text Block]

	2022			2021
Balance, January 1	$	5,978		$	4,458
Change in directors/officers loans during the year		124
New loans and advances		1,324			2,049
Repayments		(479	)		(529	)
Balance, December 31	$	6,947		$	5,978

Schedules of Concentration of Risk, by Risk Factor [Table Text Block]

December 31,	2022		2021
Gaming	$	9,965	$	7,900
Hotel/motel		35,737		50,765
Out of area		7,544		6,987

Financing Receivable, Past Due [Table Text Block]

													Loans Past
													Due Greater
	Number of Days Past Due												Than 90
					Greater		Total				Total		Days and
	30 - 59		60 - 89		Than 90		Past Due		Current		Loans		Still Accruing
December 31, 2022:
Gaming	$		$		$		$		$	9,965	$	9,965	$
Hotel/motel										35,737		35,737
Real estate, construction		79		2				81		30,065		30,146
Real estate, mortgage		34		49		1,101		1,184		142,859		144,043
Commercial and industrial										10,497		10,497
Other		14						14		7,476		7,490
Total	$	127	$	51	$	1,101	$	1,279	$	236,599	$	237,878	$
December 31, 2021:
Gaming	$		$		$		$		$	7,900	$	7,900	$
Hotel/motel										50,765		50,765
Real estate, construction		105						105		27,086		27,191
Real estate, mortgage		1,996		60		63		2,119		126,233		128,352
Commercial and industrial		21		320				341		15,541		15,882
Other		209						209		8,863		9,072
Total	$	2,331	$	380	$	63	$	2,774	$	236,388	$	239,162	$

Financing Receivable Credit Quality Indicators [Table Text Block]

	Loans With A Grade Of:
	A, B or C		S		D		E		F	Total
December 31, 2022:
Gaming	$	9,965	$		$		$		$	$	9,965
Hotel/motel		35,737				-					35,737
Real estate, construction		30,115				2		29			30,146
Real estate, mortgage		141,211		77		1,288		1,467			144,043
Commercial and industrial		10,497									10,497
Other		7,476				7		7			7,490
Total	$	235,001	$	77	$	1,297	$	1,503	$	$	237,878
December 31, 2021:
Gaming	$	7,900	$		$		$		$	$	7,900
Hotel/motel		50,765									50,765
Real estate, construction		26,980				6		205			27,191
Real estate, mortgage		124,289		87		3,344		632			128,352
Commercial and industrial		15,834				27		21			15,882
Other		9,060				12					9,072
Total	$	234,828	$	87	$	3,389	$	858	$	$	239,162

Financing Receivable, Nonaccrual [Table Text Block]

December 31,	2022		2021
Real estate, construction	$		$	138
Real estate, mortgage		1,434		563
Other		7
Total	$	1,441	$	701

Impaired Financing Receivables [Table Text Block]

	Unpaid Principal Balance		Recorded Investment		Related Allowance		Average Recorded Investment		Interest Income Recognized
December 31, 2022:
With no related allowance recorded:
Real estate, construction	$	102	$	29	$		$	46	$	7
Real estate, mortgage		888		743				806		25
Other		7		7				7
Total		997		779				859		32
With a related allowance recorded:
Real estate, mortgage		1,158		1,150		124		1,153
Total		1,158		1,150		124		1,153
Total by class of loans:
Real estate, construction		102		29				46		7
Real estate, mortgage		2,046		1,893		124		1,959		25
Other		7		7				7
Total	$	2,155	$	1,929	$	124	$	2,012	$	32

	Unpaid Principal Balance		Recorded Investment		Related Allowance		Average Recorded Investment		Interest Income Recognized
December 31, 2021:
With no related allowance recorded:
Real estate, construction	$	272	$	205	$		$	369	$	7
Real estate, mortgage		1,014		1,014				1,075		21
Total		1,286		1,219				1,444		28
With a related allowance recorded:
Real estate, mortgage		199		199		70		203		5
Total		199		199		70		203		5
Total by class of loans:
Real estate, construction		272		205				369		7
Real estate, mortgage		1,213		1,213		70		1,278		26
Total	$	1,485	$	1,418	$	70	$	1,647	$	33

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

	Gaming		Hotel/Motel			Real Estate, Construction		Real Estate, Mortgage			Commercial and Industrial			Other			Total
December 31, 2022:
Allowance for Loan Losses:
Beginning Balance	$	102	$	691		$	139	$	2,049		$	252		$	78		$	3,311
Charge-offs															(240	)		(240	)
Recoveries									48			15			124			187
Provision		17		(254	)		253		(71	)		(125	)		260			80
Ending Balance	$	119	$	437		$	392	$	2,026		$	142		$	222		$	3,338
Allowance for Loan Losses:
Ending balance: individually evaluated for impairment	$		$			$		$	229		$			$			$	229
Ending balance: collectively evaluated for impairment	$	119	$	437		$	392	$	1,797		$	142		$	222		$	3,109
Total Loans:
Ending balance: individually evaluated for impairment	$		$			$	31	$	2,756		$			$	14		$	2,801
Ending balance: collectively evaluated for impairment	$	9,965	$	35,737		$	30,115	$	141,287		$	10,497		$	7,476		$	235,077

	Gaming			Hotel/Motel			Real Estate, Construction			Real Estate, Mortgage			Commercial and Industrial			Other			Total
December 31, 2021:
Allowance for Loan Losses:
Beginning Balance	$	186		$	754		$	111		$	2,849		$	417		$	109		$	4,426
Charge-offs								(2	)		(2	)					(286	)		(290	)
Recoveries								18			4,599			102			119			4,838
Provision		(84	)		(63	)		12			(5,397	)		(267	)		136			(5,663	)
Ending Balance	$	102		$	691		$	139		$	2,049		$	252		$	78		$	3,311
Allowance for Loan Losses:
Ending balance: individually evaluated for impairment	$			$						$	115		$	27					$	142
Ending balance: collectively evaluated for impairment	$	102		$	691		$	139		$	1,934		$	225		$	78		$	3,169
Total Loans:
Ending balance: individually evaluated for impairment				$			$	211		$	3,976		$	48		$	12		$	4,247
Ending balance: collectively evaluated for impairment	$	7,900		$	50,765		$	26,980		$	124,376		$	15,834		$	9,060		$	234,915

	Gaming			Hotel/Motel			Real Estate, Construction			Real Estate, Mortgage			Commercial and Industrial			Other			Total
December 31, 2020:
Allowance for Loan Losses:
Beginning Balance	$	223		$	779		$	102		$	2,454		$	553		$	96		$	4,207
Charge-offs								(17	)		(5,472	)		(261	)		(227	)		(5,977	)
Recoveries					-			15						34			145			194
Provision		(37	)		(25	)		11			5,867			91			95			6,002
Ending Balance	$	186		$	754		$	111		$	2,849		$	417		$	109		$	4,426
Allowance for Loan Losses:
Ending balance: individually evaluated for impairment	$			$			$	20		$	200		$	40		$			$	260
Ending balance: collectively evaluated for impairment	$	186		$	754		$	91		$	2,649		$	377		$	109		$	4,166
Total Loans:
Ending balance: individually evaluated for impairment	$	2,827		$			$	511		$	6,474		$	94		$	21		$	9,927
Ending balance: collectively evaluated for impairment	$	15,938		$	45,499		$	26,098		$	137,802		$	37,335		$	5,822		$	268,494