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Note 11 - Income Taxes - Deferred Tax Assets and Liabilities (Details) - USD ($) $ in Thousands | Dec. 31, 2021 | Dec. 31, 2020
--- | --- | ---
Deferred tax assets: |  |
Purchase accounting adjustments from mergers with County and Community Shores | $ 1,374 | $ 1,953
Allowance for loan losses | 1,614 | 1,595
Unrealized losses on securities available for sale | 685 | 0
Net operating loss carryforward | 544 | 851
Deferred loan fees | 319 | 466
Write-downs of other real estate owned | 0 | 326
Other | 354 | 380
Total deferred tax assets | 4,890 | 5,571
Deferred tax liabilities: |  |
Unrealized gains on securities available for sale | 0 | 2,931
Purchase accounting adjustments from mergers with County and Community Shores | 1,107 | 1,403
Loan servicing rights | 980 | 833
Depreciation | 540 | 653
Interest rate lock commitments | 0 | 177
Other | 323 | 230
Total deferred tax liabilities | 2,950 | 6,227
Net deferred tax asset (liability) | $ 1,940 |
Net deferred tax liability |  | $ (656)

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