
	Loans Secured By Real Estate										Commercial and Industrial Loans				Consumer Loans
September 30, 2024	Construction				Single-family						Commercial
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		Consumer		Automobile		Total

Balance, beginning of year	$	31	$	18	$	1,290	$	96	$	190	$	304	$	21	$	30	$	177	$	2,157
Charge-offs		—		—		—		—		—		(299)		—		(18)		(54)		(371)
Recoveries		—		—		—		—		—		—		—		132		57		189
(Release) provision for credit losses		2		(2)		259		133		187		277		16		(93)		(6)		773

Balance, end of quarter	$	33	$	16	$	1,549	$	229	$	377	$	282	$	37	$	51	$	174	$	2,748

Individually evaluated for impairment:
Balance in allowance	$	—	$	—	$	19	$	—	$	—	$	—	$	—	$	—	$	—	$	19
Related loan balance		—		—		36		—		—		129		—		—		—		165

Collectively evaluated for impairment:
Balance in allowance	$	33	$	16	$	1,530	$	229	$	377	$	282	$	37	$	51	$	174	$	2,729
Related loan balance		7,292		316		99,869		5,059		50,200		16,111		5,759		3,168		19,036		206,810


	Loans Secured By Real Estate										Commercial and Industrial Loans				Consumer Loans
December 31, 2023	Construction				Single-family						Commercial
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		Consumer		Automobile		Total

Balance, beginning of year	$	44	$	20	$	1,230	$	103	$	221	$	174	$	22	$	23	$	325	$	2,162
Charge-offs		—		—		—		—		—		—		—		(79)		(124)		(203)
Recoveries		—		—		—		—		—		—		—		1		101		102
(Release) provision for credit losses		(13)		(2)		60		(7)		(31)		130		(1)		85		(125)		96

Balance, end of the year	$	31	$	18	$	1,290	$	96	$	190	$	304	$	21	$	30	$	177	$	2,157

Individually evaluated for impairment:
Balance in allowance	$	—	$	—	$	21	$	—	$	—	$	179	$	—	$	—	$	—	$	200
Related loan balance		—		—		30		—		—		299		—		—		—		329

Collectively evaluated for impairment:
Balance in allowance	$	31	$	18	$	1,269	$	96	$	190	$	125	$	21	$	30	$	177	$	1,957
Related loan balance		4,636		325		86,857		5,165		39,217		10,551		5,924		2,039		21,264		175,978


	Gross Charge-offs
September 30, 2024		Term Loans by Origination Year
(dollars in thousands)														Revolving
	2024		2023		2022		2021		2020		Prior		Loans		Total
Commercial and Industrial Loans
Commercial and industrial	$	—	$	—	$	—	$	299	$	—	$	—	$	—	$	299

Consumer Loans
Consumer		—		—		13		—		—		5		—		18
Automobile		—		—		—		—		38		16		—		54

Total gross charge-offs this period	$	—	$	—	$	13	$	299	$	38	$	21	$	—	$	371


	Gross Charge-offs
December 31, 2023		Term Loans by Origination Year
(dollars in thousands)														Revolving
	2023		2022		2021		2020		2019		Prior		Loans		Total
Consumer Loans
Consumer	$	—	$	—	$	—	$	—	$	—	$	79	$	—	$	79
Automobile		—		—		47		43		27		7		—		124

Total gross charge-offs this period	$	—	$	—	$	47	$	43	$	27	$	86	$	—	$	203


At September 30, 2024					90 Days or
(dollars in thousands)			30-89 Days		More and
	Current		Past Due		Still Accruing		Nonaccrual		Total
Loans Secured by Real Estate
Construction and land	$	7,292	$	—	$	—	$	—	$	7,292
Farmland		316		—		—		—		316
Single-family residential		99,718		86		—		101		99,905
Multi-family		5,059		—		—		—		5,059
Commercial		49,970		101		—		129		50,200
Total loans secured by real estate		162,355		187		—		230		162,772
Commercial and Industrial
Commercial and industrial		16,240		—		—		—		16,240
SBA guaranty		5,287		472		—		—		5,759
Total commercial and industrial loans		21,527		472		—		—		21,999
Consumer Loans
Consumer		3,168		—		—		—		3,168
Automobile		18,802		171		—		63		19,036
Total consumer loans		21,970		171		—		63		22,204

	$	205,852	$	830	$	—	$	293	$	206,975


At December 31, 2023					90 Days or
(dollars in thousands)			30-89 Days		More and
	Current		Past Due		Still Accruing		Nonaccrual		Total
Loans Secured by Real Estate
Construction and land	$	4,636	$	—	$	—	$	—	$	4,636
Farmland		325		—		—		—		325
Single-family residential		86,233		509		—		145		86,887
Multi-family		5,165		—		—		—		5,165
Commercial		39,217		—		—		—		39,217
Total loans secured by real estate		135,576		509		—		145		136,230
Commercial and Industrial
Commercial and industrial		10,551		—		—		299		10,850
SBA guaranty		5,924		—		—		—		5,924
Total commercial and industrial loans		16,475		—		—		299		16,774
Consumer Loans
Consumer		1,981		58		—		—		2,039
Automobile		20,794		387		—		83		21,264
Total consumer loans		22,775		445		—		83		23,303

	$	174,826	$	954	$	—	$	527	$	176,307


	September 30,			December 31,
(dollars in thousands)	2024			2023

Restructured loans to borrowers with financial difficulty	$	27		$	30
Non-accrual and 90+ days past due and still accruing loans to average loans		0.14	%		0.29	%
Allowance for credit losses to nonaccrual & 90+ days past due and still accruing loans		937.5	%		409.3	%


	Loans Secured By Real Estate										Commercial and Industrial Loans				Consumer Loans
September 30, 2024	Construction				Single-family						Commercial
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		Consumer		Automobile		Total

Pass	$	7,292	$	316	$	99,804	$	5,059	$	50,071	$	16,240	$	5,759	$	3,168	$	18,944	$	206,653
Special mention		—		—		—		—		—		—		—		—		—		—
Substandard		—		—		101		—		129		—		—		—		92		322
Doubtful		—		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—		—

	$	7,292	$	316	$	99,905	$	5,059	$	50,200	$	16,240	$	5,759	$	3,168	$	19,036	$	206,975

Nonaccrual	$	—	$	—	$	101	$	—	$	129	$	—	$	—	$	—	$	63	$	293
Restructured loans to borrowers with financial difficulty	$	—	$	—	$	27	$	—	$	—	$	—	$	—	$	—	$	—	$	27
Number restructured loans to borrowers with financial difficulty		—		—		1		—		—		—		—		—		—		1
Non-performing restructured loans to borrowers with financial difficulty	$	—	$	—	$	27	$	—	$	—	$	—	$	—	$	—	$	—	$	27
Number of non-performing restructured loan accounts		—		—		1		—		—		—		—		—		—		1


	Loans Secured By Real Estate										Commercial and Industrial Loans				Consumer Loans
December 31, 2023	Construction				Single-family						Commercial
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		Consumer		Automobile		Total

Pass	$	4,636	$	325	$	86,742	$	5,165	$	39,217	$	10,551	$	5,924	$	2,039	$	21,110	$	175,709
Special mention		—		—		—		—		—		—		—		—		—		—
Substandard		—		—		145		—		—		299		—		—		154		598
Doubtful		—		—		—		—		—		—		—		—		—		—
Loss		—		—		—		—		—		—		—		—		—		—

	$	4,636	$	325	$	86,887	$	5,165	$	39,217	$	10,850	$	5,924	$	2,039	$	21,264	$	176,307

Nonaccrual	$	—	$	—	$	145	$	—	$	—	$	299	$	—	$	—	$	83	$	527
Restructured loans to borrowers with financial difficulty	$	—	$	—	$	30	$	—	$	—	$	—	$	—	$	—	$	—	$	30
Number restructured loans to borrowers with financial difficulty		—		—		1		—		—		—		—		—		—		1
Non-performing restructured loans to borrowers with financial difficulty	$	—	$	—	$	30	$	—	$	—	$	—	$	—	$	—	$	—	$	30
Number of non-performing restructured loan accounts		—		—		1		—		—		—		—		—		—		1