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Note 19 - Off-balance Sheet Activities | 12 Months Ended
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Dec. 31, 2020
Notes to Financial Statements |
Concentration Risk Disclosure [Text Block] | Note 19 – Off-Balance Sheet Activities Some financial instruments, such as loan commitments, credit lines, letters of credit, and overdraft protection, are issued to meet customers’ financing needs. These are agreements to provide credit or to support the credit of others, as long as conditions established in the contract are met, and usually have expiration dates. Commitments may expire without being used. Off-balance sheet risk to credit loss exists up to the face amount of these instruments, although material losses are not anticipated. The same credit policies are used to make such commitments as are used for loans, including obtaining collateral at exercise of the commitment. The contractual amount of financial instruments with off-balance sheet risk was as follows at December 31:
|  | 2020 |  |  | 2019 |
|  | Fixed |  |  | Variable |  |  | Fixed |  |  | Variable |
(Dollars in thousands) |  | Rate |  |  | Rate |  |  | Rate |  |  | Rate |
Unused lines of credit and letters of credit |  | $ | 48,622 |  |  | $ | 231,667 |  |  | $ | 38,064 |  |  | $ | 177,447 |
Commitments to fund loans (at market rates) |  |  | 10,691 |  |  |  | 3,954 |  |  |  | 18,216 |  |  |  | 4,580 |
Commitments to fund loans are generally made for periods of 180 days or less. The fixed rate loan commitments have interest rates ranging from 2.25% to 6.50% and maturities ranging from 1 year to 30 years.

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- Definition The entire disclosure for any concentrations existing at the date of the financial statements that make an entity vulnerable to a reasonably possible, near-term, severe impact. This disclosure informs financial statement users about the general nature of the risk associated with the concentration, and may indicate the percentage of concentration risk as of the balance sheet date. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 275 -URI http://asc.fasb.org/topic&trid=2134479 + Details
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