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v3.23.1

Note 2 - Loans and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2023
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
|  | March 31, 2023 |  |  | December 31, 2022 |
Real estate construction |  | $ | 54,052 |  |  | $ | 54,579 |
Consumer real estate |  |  | 223,438 |  |  |  | 221,052 |
Commercial real estate |  |  | 438,843 |  |  |  | 437,888 |
Commercial non real estate |  |  | 60,516 |  |  |  | 57,652 |
Public sector and IDA |  |  | 47,359 |  |  |  | 48,074 |
Consumer non real estate |  |  | 33,188 |  |  |  | 33,948 |
Gross loans |  |  | 857,396 |  |  |  | 853,193 |
Less unearned income and deferred fees and costs |  |  | (431 | ) |  |  | (449 | )
Loans, net of unearned income and deferred fees and costs |  | $ | 856,965 |  |  | $ | 852,744 |
Allowance for credit losses on loans |  |  | (10,650 | ) |  |  | (8,225 | )
Total loans, net |  | $ | 846,315 |  |  | $ | 844,519 |
Financing Receivable, Past Due [Table Text Block] |
|  | March 31, 2023 |
|  | Accruing Current Loans |  |  | Accruing Loans 30 – 89 Days Past Due |  |  | Accruing Loans 90 or More Days Past Due |  |  | Nonaccrual Loans |  |  | Total Loans |  |  | Accruing and Nonaccrual 90 or More Days Past Due |
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, 1-4 family residential |  | $ | 13,143 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 13,143 |  |  | $ | - |
Construction, other |  |  | 40,909 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 40,909 |  |  |  | - |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity line |  |  | 14,503 |  |  |  | 23 |  |  |  | - |  |  |  | - |  |  |  | 14,526 |  |  |  | - |
Residential closed-end first liens |  |  | 121,466 |  |  |  | 836 |  |  |  | 27 |  |  |  | 90 |  |  |  | 122,419 |  |  |  | 117 |
Residential closed-end junior liens |  |  | 2,476 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2,476 |  |  |  | - |
Investor-owned residential real estate |  |  | 83,924 |  |  |  | 93 |  |  |  | - |  |  |  | - |  |  |  | 84,017 |  |  |  | - |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential real estate |  |  | 131,952 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 131,952 |  |  |  | - |
Commercial real estate owner-occupied |  |  | 124,882 |  |  |  | 8 |  |  |  | - |  |  |  | 2,472 |  |  |  | 127,362 |  |  |  | 247 |
Commercial real estate, other |  |  | 179,529 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 179,529 |  |  |  | 1 |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 60,201 |  |  |  | 62 |  |  |  | 1 |  |  |  | 252 |  |  |  | 60,516 |  |  |  | - |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
States and political subdivisions |  |  | 47,359 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 47,359 |  |  |  | - |
Consumer Non-Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 4,557 |  |  |  | 5 |  |  |  | 1 |  |  |  | - |  |  |  | 4,563 |  |  |  | 1 |
Automobile |  |  | 10,328 |  |  |  | 75 |  |  |  | - |  |  |  | - |  |  |  | 10,403 |  |  |  | - |
Other consumer loans |  |  | 18,146 |  |  |  | 72 |  |  |  | 4 |  |  |  | - |  |  |  | 18,222 |  |  |  | 4 |
Total |  | $ | 853,375 |  |  | $ | 1,174 |  |  | $ | 33 |  |  | $ | 2,814 |  |  | $ | 857,396 |  |  | $ | 370 |
|  | December 31, 2022 |
|  | Accruing Current Loans |  |  | Accruing Loans 30 – 89 Days Past Due |  |  | Accruing Loans 90 or More Days Past Due |  |  | Nonaccrual Loans |  |  | Total Loans |  |  | Accruing and Nonaccrual 90 or More Days Past Due |
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, 1-4 family residential |  | $ | 12,538 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 12,538 |  |  | $ | - |
Construction, other |  |  | 42,041 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 42,041 |  |  |  | - |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity line |  |  | 15,010 |  |  |  | 16 |  |  |  | - |  |  |  | - |  |  |  | 15,026 |  |  |  | - |
Residential closed-end first liens |  |  | 121,807 |  |  |  | 750 |  |  |  | - |  |  |  | 91 |  |  |  | 122,648 |  |  |  | 91 |
Residential closed-end junior liens |  |  | 2,446 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2,446 |  |  |  | - |
Investor-owned residential real estate |  |  | 80,524 |  |  |  | 408 |  |  |  | - |  |  |  | - |  |  |  | 80,932 |  |  |  | - |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential real estate |  |  | 127,312 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 127,312 |  |  |  | - |
Commercial real estate owner-occupied |  |  | 126,640 |  |  |  | - |  |  |  | - |  |  |  | 2,493 |  |  |  | 129,133 |  |  |  | 252 |
Commercial real estate, other |  |  | 181,443 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 181,443 |  |  |  | - |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 57,373 |  |  |  | 16 |  |  |  | - |  |  |  | 263 |  |  |  | 57,652 |  |  |  | - |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
States and political subdivisions |  |  | 48,074 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 48,074 |  |  |  | - |
Consumer Non-Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 4,592 |  |  |  | 3 |  |  |  | 2 |  |  |  | - |  |  |  | 4,597 |  |  |  | 2 |
Automobile |  |  | 9,833 |  |  |  | 102 |  |  |  | - |  |  |  | - |  |  |  | 9,935 |  |  |  | - |
Other consumer loans |  |  | 19,317 |  |  |  | 93 |  |  |  | 6 |  |  |  | - |  |  |  | 19,416 |  |  |  | 6 |
Total |  | $ | 848,950 |  |  | $ | 1,388 |  |  | $ | 8 |  |  | $ | 2,847 |  |  | $ | 853,193 |  |  | $ | 351 |
|  | CECL |  |  | Incurred Loss |
|  | March 31, 2023 |  |  | December 31, 2022 |
|  | Nonaccrual Loans |  |  | Nonaccrual Loans |
|  | With No Allowance |  |  | With an Allowance |  |  | Total |  |  |  |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential closed-end first liens |  | $ | - |  |  | $ | 90 |  |  | $ | 90 |  |  | $ | 91 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner-occupied |  |  | - |  |  |  | 2,472 |  |  |  | 2,472 |  |  |  | 2,493 |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | - |  |  |  | 252 |  |  |  | 252 |  |  |  | 263 |
Total |  | $ | - |  |  | $ | 2,814 |  |  | $ | 2,814 |  |  | $ | 2,847 |
Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block] |
|  | March 31, |  |  | December 31, |
|  | 2023 |  |  | 2022 |  |  | 2022 |
Ratio of ACLL to nonaccrual loans |  |  | 378.46 | % |  |  | 272.12 | % |  |  | 288.90 | %
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs |  |  | 0.00 | % |  |  | 0.05 | % |  |  | 0.00 | %
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | Activity in the Allowance for Credit Losses on Loans for the Three Months Ended March 31, 2023 |
|  | Real Estate Construction |  |  | Consumer Real Estate |  |  | Commercial Real Estate |  |  | Commercial Non Real Estate |  |  | Public Sector and IDA |  |  | Consumer Non Real Estate |  |  | Unallocated |  |  | Total |
Balance, Dec. 31, 2022 |  | $ | 450 |  |  | $ | 2,199 |  |  | $ | 3,642 |  |  | $ | 930 |  |  | $ | 319 |  |  | $ | 506 |  |  | $ | 179 |  |  | $ | 8,225 |
Adoption of ASU 2016-13 |  |  | (21 | ) |  |  | 1,261 |  |  |  | 700 |  |  |  | 216 |  |  |  | (15 | ) |  |  | 72 |  |  |  | 129 |  |  |  | 2,342 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (12 | ) |  |  | - |  |  |  | (80 | ) |  |  | - |  |  |  | (92 | )
Recoveries |  |  | - |  |  |  | 102 |  |  |  | 12 |  |  |  | 2 |  |  |  | - |  |  |  | 57 |  |  |  | - |  |  |  | 173 |
Provision for (recovery of) credit losses |  |  | 22 |  |  |  | (260 | ) |  |  | 20 |  |  |  | 58 |  |  |  | (10 | ) |  |  | - |  |  |  | 172 |  |  |  | 2 |
Balance, March 31, 2023 |  | $ | 451 |  |  | $ | 3,302 |  |  | $ | 4,374 |  |  | $ | 1,194 |  |  | $ | 294 |  |  | $ | 555 |  |  | $ | 480 |  |  | $ | 10,650 |
|  | Activity in the Allowance for Loan Losses for the Three Months Ended March 31, 2022 |
|  | Real Estate Construction |  |  | Consumer Real Estate |  |  | Commercial Real Estate |  |  | Commercial Non Real Estate |  |  | Public Sector and IDA |  |  | Consumer Non Real Estate |  |  | Unallocated |  |  | Total |
Balance, Dec. 31, 2021 |  | $ | 422 |  |  | $ | 1,930 |  |  | $ | 3,121 |  |  | $ | 1,099 |  |  | $ | 297 |  |  | $ | 444 |  |  | $ | 361 |  |  | $ | 7,674 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (60 | ) |  |  | - |  |  |  | (60 | )
Recoveries |  |  | - |  |  |  | - |  |  |  | 12 |  |  |  | 3 |  |  |  | - |  |  |  | 25 |  |  |  | - |  |  |  | 40 |
Provision for (recovery of) loan losses |  |  | 171 |  |  |  | 5 |  |  |  | 290 |  |  |  | (158 | ) |  |  | 10 |  |  |  | 6 |  |  |  | (190 | ) |  |  | 134 |
Balance, March, 31, 2022 |  | $ | 593 |  |  | $ | 1,935 |  |  | $ | 3,423 |  |  | $ | 944 |  |  | $ | 307 |  |  | $ | 415 |  |  | $ | 171 |  |  | $ | 7,788 |
|  | Activity in the Allowance for Loan Losses for the Year Ended December 31, 2022 |
|  | Real Estate Construction |  |  | Consumer Real Estate |  |  | Commercial Real Estate |  |  | Commercial Non Real Estate |  |  | Public Sector and IDA |  |  | Consumer Non Real Estate |  |  | Unallocated |  |  | Total |
Balance, Dec. 31, 2021 |  | $ | 422 |  |  | $ | 1,930 |  |  | $ | 3,121 |  |  | $ | 1,099 |  |  | $ | 297 |  |  | $ | 444 |  |  | $ | 361 |  |  | $ | 7,674 |
Charge-offs |  |  | - |  |  |  | (13 | ) |  |  | - |  |  |  | (2 | ) |  |  | - |  |  |  | (352 | ) |  |  | - |  |  |  | (367 | )
Recoveries |  |  | - |  |  |  | 29 |  |  |  | 49 |  |  |  | 11 |  |  |  | - |  |  |  | 123 |  |  |  | - |  |  |  | 212 |
Provision for (recovery of) loan losses |  |  | 28 |  |  |  | 253 |  |  |  | 472 |  |  |  | (178 | ) |  |  | 22 |  |  |  | 291 |  |  |  | (182 | ) |  |  | 706 |
Balance, Dec. 31, 2022 |  | $ | 450 |  |  | $ | 2,199 |  |  | $ | 3,642 |  |  | $ | 930 |  |  | $ | 319 |  |  | $ | 506 |  |  | $ | 179 |  |  | $ | 8,225 |
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block] |
|  | Allowance for Credit Losses on Loans as of March 31, 2023 |
|  | Real Estate Construction |  |  | Consumer Real Estate |  |  | Commercial Real Estate |  |  | Commercial Non Real Estate |  |  | Public Sector and IDA |  |  | Consumer Non Real Estate |  |  | Unallocated |  |  | Total |
Individually evaluated |  | $ | 1 |  |  | $ | 84 |  |  | $ | 201 |  |  | $ | 148 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 434 |
Collectively evaluated |  |  | 450 |  |  |  | 3,218 |  |  |  | 4,173 |  |  |  | 1,046 |  |  |  | 294 |  |  |  | 555 |  |  |  | 480 |  |  |  | 10,216 |
Total |  | $ | 451 |  |  | $ | 3,302 |  |  | $ | 4,374 |  |  | $ | 1,194 |  |  | $ | 294 |  |  | $ | 555 |  |  | $ | 480 |  |  | $ | 10,650 |
|  | Allowance for Loan Losses as of December 31, 2022 |
|  | Real Estate Construction |  |  | Consumer Real Estate |  |  | Commercial Real Estate |  |  | Commercial Non Real Estate |  |  | Public Sector and IDA |  |  | Consumer Non- Real Estate |  |  | Unallocated |  |  | Total |
Individually evaluated |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Collectively evaluated |  |  | 450 |  |  |  | 2,199 |  |  |  | 3,642 |  |  |  | 930 |  |  |  | 319 |  |  |  | 506 |  |  |  | 179 |  |  |  | 8,225 |
Total |  | $ | 450 |  |  | $ | 2,199 |  |  | $ | 3,642 |  |  | $ | 930 |  |  | $ | 319 |  |  | $ | 506 |  |  | $ | 179 |  |  | $ | 8,225 |
|  | Loans as of March 31, 2023 |
|  | Real Estate Construction |  |  | Consumer Real Estate |  |  | Commercial Real Estate |  |  | Commercial Non Real Estate |  |  | Public Sector and IDA |  |  | Consumer Non Real Estate |  |  | Total |
Individually evaluated |  | $ | 294 |  |  | $ | 1,061 |  |  | $ | 2,480 |  |  | $ | 295 |  |  | $ | - |  |  | $ | - |  |  | $ | 4,130 |
Collectively evaluated |  |  | 53,758 |  |  |  | 222,377 |  |  |  | 436,363 |  |  |  | 60,221 |  |  |  | 47,359 |  |  |  | 33,188 |  |  |  | 853,266 |
Total |  | $ | 54,052 |  |  | $ | 223,438 |  |  | $ | 438,843 |  |  | $ | 60,516 |  |  | $ | 47,359 |  |  | $ | 33,188 |  |  | $ | 857,396 |
|  | Loans as of December 31, 2022 |
|  | Real Estate Construction |  |  | Consumer Real Estate |  |  | Commercial Real Estate |  |  | Commercial Non Real Estate |  |  | Public Sector and IDA |  |  | Consumer Non- Real Estate |  |  | Total |
Individually evaluated |  | $ | - |  |  | $ | 186 |  |  | $ | 2,583 |  |  | $ | 263 |  |  | $ | - |  |  | $ | - |  |  | $ | 3,032 |
Collectively evaluated |  |  | 54,579 |  |  |  | 220,866 |  |  |  | 435,305 |  |  |  | 57,389 |  |  |  | 48,074 |  |  |  | 33,948 |  |  |  | 850,161 |
Total |  | $ | 54,579 |  |  | $ | 221,052 |  |  | $ | 437,888 |  |  | $ | 57,652 |  |  | $ | 48,074 |  |  | $ | 33,948 |  |  | $ | 853,193 |
Schedule of Ratios for Allowance for Loan Losses [Table Text Block] |
|  | As of and for the |
|  | Three Months Ended March 31, |  |  | Year Ended December 31, |
|  | 2023 |  |  | 2022 |  |  | 2022 |
Ratio of ACLL to the end of period loans, net of unearned income and deferred fees and costs |  |  | 1.24 | % |  |  | 0.95 | % |  |  | 0.96 | %
Ratio of net charge-offs (recoveries), annualized, to average loans, net of unearned income and deferred fees and costs |  |  | (0.04 | )% |  |  | 0.01 | % |  |  | 0.02 | %
Impaired Financing Receivables [Table Text Block] |
|  | Individually Evaluated Loans under Incurred Loss as of December 31, 2022 |
|  | Principal Balance |  |  | Recorded Investment(1) |  |  | Recorded Investment(1) for Which There is No Related Allowance |  |  | Recorded Investment(1) for Which There is a Related Allowance |  |  | Related Allowance |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor-owned residential real estate |  | $ | 186 |  |  | $ | 186 |  |  | $ | 186 |  |  | $ | - |  |  | $ | - |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate, owner occupied |  |  | 3,248 |  |  |  | 2,583 |  |  |  | 2,583 |  |  |  | - |  |  |  | - |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 285 |  |  |  | 263 |  |  |  | 263 |  |  |  | - |  |  |  | - |
Total |  | $ | 3,719 |  |  | $ | 3,032 |  |  | $ | 3,032 |  |  | $ | - |  |  | $ | - |
Impaired Financing Receivable Average Investment And Interest Income [Table Text Block] |
|  | For the Three Months Ended March 31, 2022 |
|  | Average Recorded Investment(1) |  |  | Interest Income Recognized |
Consumer Real Estate |  |  |  |  |  |  |  |
Investor-owned residential real estate |  | $ | 190 |  |  | $ | 3 |
Commercial Real Estate |  |  |  |  |  |  |  |
Commercial real estate, owner occupied |  |  | 2,640 |  |  |  | 1 |
Commercial real estate, other |  |  | 2,720 |  |  |  | 17 |
Commercial Non-Real Estate |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 292 |  |  |  | - |
Total |  | $ | 5,842 |  |  | $ | 21 |
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at March 31, 2023 |  | 2019 |  |  | 2020 |  |  | 2021 |  |  | 2022 |  |  | 2023 |  |  | Prior |  |  | Revolving |  |  | Revolving Loans Converted to Term |  |  | Total |
Construction, residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | - |  |  | $ | 213 |  |  | $ | 1,370 |  |  | $ | 5,000 |  |  | $ | 554 |  |  | $ | - |  |  | $ | 6,006 |  |  | $ | - |  |  | $ | 13,143 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | - |  |  | $ | 213 |  |  | $ | 1,370 |  |  | $ | 5,000 |  |  | $ | 554 |  |  | $ | - |  |  | $ | 6,006 |  |  | $ | - |  |  | $ | 13,143 |
Construction, other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,253 |  |  | $ | 1,502 |  |  | $ | 26,880 |  |  | $ | 5,229 |  |  | $ | 1,573 |  |  | $ | 2,807 |  |  | $ | 1,371 |  |  | $ | - |  |  | $ | 40,615 |
Classified |  |  | - |  |  |  | - |  |  |  | 294 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 294 |
Total |  | $ | 1,253 |  |  | $ | 1,502 |  |  | $ | 27,174 |  |  | $ | 5,229 |  |  | $ | 1,573 |  |  | $ | 2,807 |  |  | $ | 1,371 |  |  | $ | - |  |  | $ | 40,909 |
Equity lines |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 53 |  |  | $ | 14,465 |  |  | $ | 8 |  |  | $ | 14,526 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 53 |  |  | $ | 14,465 |  |  | $ | 8 |  |  | $ | 14,526 |
Residential closed-end first liens |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 6,191 |  |  | $ | 15,467 |  |  | $ | 32,829 |  |  | $ | 27,691 |  |  | $ | 4,381 |  |  | $ | 35,532 |  |  | $ | - |  |  |  | - |  |  | $ | 122,091 |
Classified |  |  | - |  |  |  | 27 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 301 |  |  |  | - |  |  |  | - |  |  |  | 328 |
Total |  | $ | 6,191 |  |  | $ | 15,494 |  |  | $ | 32,829 |  |  | $ | 27,691 |  |  | $ | 4,381 |  |  | $ | 35,833 |  |  | $ | - |  |  | $ | - |  |  | $ | 122,419 |
Residential closed-end junior liens |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 7 |  |  | $ | - |  |  | $ | 87 |  |  | $ | 405 |  |  | $ | 82 |  |  | $ | 1,895 |  |  | $ | - |  |  |  | - |  |  | $ | 2,476 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 7 |  |  | $ | - |  |  | $ | 87 |  |  | $ | 405 |  |  | $ | 82 |  |  | $ | 1,895 |  |  | $ | - |  |  |  | - |  |  | $ | 2,476 |
Investor-owned residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 5,379 |  |  | $ | 15,052 |  |  | $ | 20,412 |  |  | $ | 14,414 |  |  | $ | 2,301 |  |  | $ | 24,079 |  |  | $ | 1,547 |  |  | $ | 100 |  |  | $ | 83,284 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 733 |  |  |  | - |  |  |  | - |  |  |  | 733 |
Total |  | $ | 5,379 |  |  | $ | 15,052 |  |  | $ | 20,412 |  |  | $ | 14,414 |  |  | $ | 2,301 |  |  | $ | 24,812 |  |  | $ | 1,547 |  |  | $ | 100 |  |  | $ | 84,017 |
Multifamily residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,856 |  |  | $ | 11,973 |  |  | $ | 41,285 |  |  | $ | 27,249 |  |  | $ | 4,851 |  |  | $ | 44,731 |  |  | $ | 7 |  |  |  | - |  |  | $ | 131,952 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 1,856 |  |  | $ | 11,973 |  |  | $ | 41,285 |  |  | $ | 27,249 |  |  | $ | 4,851 |  |  | $ | 44,731 |  |  | $ | 7 |  |  |  | - |  |  | $ | 131,952 |
Commercial real estate, owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 19,563 |  |  | $ | 24,191 |  |  | $ | 5,088 |  |  | $ | 16,648 |  |  | $ | 1,899 |  |  | $ | 54,991 |  |  | $ | 2,452 |  |  |  | 50 |  |  | $ | 124,882 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2,480 |  |  |  | - |  |  |  | - |  |  |  | 2,480 |
Total |  | $ | 19,563 |  |  | $ | 24,191 |  |  | $ | 5,088 |  |  | $ | 16,648 |  |  | $ | 1,899 |  |  | $ | 57,471 |  |  | $ | 2,452 |  |  |  | 50 |  |  | $ | 127,362 |
Commercial real estate, other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 22,410 |  |  | $ | 19,838 |  |  | $ | 36,961 |  |  | $ | 23,541 |  |  | $ | 262 |  |  | $ | 76,142 |  |  | $ | 375 |  |  | $ | - |  |  | $ | 179,529 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 22,410 |  |  | $ | 19,838 |  |  | $ | 36,961 |  |  | $ | 23,541 |  |  | $ | 262 |  |  | $ | 76,142 |  |  | $ | 375 |  |  | $ | - |  |  | $ | 179,529 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,064 |  |  | $ | 10,123 |  |  | $ | 15,106 |  |  | $ | 8,959 |  |  | $ | 2,258 |  |  | $ | 6,691 |  |  | $ | 16,020 |  |  | $ | - |  |  | $ | 60,221 |
Classified |  |  | 36 |  |  |  | - |  |  |  | - |  |  |  | 7 |  |  |  | - |  |  |  | 252 |  |  |  | - |  |  |  | - |  |  |  | 295 |
Total |  | $ | 1,100 |  |  | $ | 10,123 |  |  | $ | 15,106 |  |  | $ | 8,966 |  |  | $ | 2,258 |  |  | $ | 6,943 |  |  | $ | 16,020 |  |  | $ | - |  |  | $ | 60,516 |
YTD gross charge-offs |  | $ | 12 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 12 |
Public sector and IDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 42 |  |  | $ | 247 |  |  | $ | 18,419 |  |  | $ | 6,650 |  |  | $ | - |  |  | $ | 22,001 |  |  | $ | - |  |  | $ | - |  |  | $ | 47,359 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 42 |  |  | $ | 247 |  |  | $ | 18,419 |  |  | $ | 6,650 |  |  | $ | - |  |  | $ | 22,001 |  |  | $ | - |  |  | $ | - |  |  | $ | 47,359 |
Credit cards |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 4,563 |  |  | $ | - |  |  | $ | 4,563 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 4,563 |  |  | $ | - |  |  | $ | 4,563 |
YTD gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 8 |  |  | $ | - |  |  | $ | 8 |
Automobile |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 519 |  |  | $ | 1,119 |  |  | $ | 2,453 |  |  | $ | 4,255 |  |  | $ | 1,884 |  |  | $ | 173 |  |  | $ | - |  |  | $ | - |  |  | $ | 10,403 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 519 |  |  | $ | 1,119 |  |  | $ | 2,453 |  |  | $ | 4,255 |  |  | $ | 1,884 |  |  | $ | 173 |  |  | $ | - |  |  | $ | - |  |  | $ | 10,403 |
YTD gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | 1 |  |  | $ | 30 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 31 |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 543 |  |  | $ | 1,412 |  |  | $ | 3,245 |  |  | $ | 9,416 |  |  | $ | 2,577 |  |  | $ | 174 |  |  | $ | 855 |  |  | $ | - |  |  | $ | 18,222 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 543 |  |  | $ | 1,412 |  |  | $ | 3,245 |  |  | $ | 9,416 |  |  | $ | 2,577 |  |  | $ | 174 |  |  | $ | 855 |  |  | $ | - |  |  | $ | 18,222 |
YTD gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | 6 |  |  | $ | 13 |  |  | $ | - |  |  | $ | - |  |  | $ | 22 |  |  | $ | - |  |  | $ | 41 |
Total Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 58,826 |  |  | $ | 101,136 |  |  | $ | 204,134 |  |  | $ | 149,458 |  |  | $ | 22,622 |  |  | $ | 273,833 |  |  | $ | 43,098 |  |  | $ | 159 |  |  | $ | 853,266 |
Classified |  |  | 36 |  |  |  | 27 |  |  |  | 294 |  |  |  | 7 |  |  |  | - |  |  |  | 3,766 |  |  |  | - |  |  |  | - |  |  |  | 4,130 |
Total |  | $ | 58,862 |  |  | $ | 101,163 |  |  | $ | 204,428 |  |  | $ | 149,465 |  |  | $ | 22,622 |  |  | $ | 277,599 |  |  | $ | 43,098 |  |  | $ | 159 |  |  | $ | 857,396 |
YTD gross charge-offs |  | $ | 12 |  |  | $ | - |  |  | $ | 7 |  |  | $ | 43 |  |  | $ | - |  |  | $ | - |  |  | $ | 30 |  |  | $ | - |  |  | $ | 92 |
|  | December 31, 2022 |
|  | Pass |  |  | Special Mention |  |  | Classified |
Real Estate Construction |  |  |  |  |  |  |  |  |  |  |  |
Construction, 1-4 family residential |  | $ | 12,538 |  |  | $ | - |  |  | $ | - |
Construction, other |  |  | 41,741 |  |  |  | - |  |  |  | 300 |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Equity lines |  |  | 15,026 |  |  |  | - |  |  |  | - |
Residential closed-end first liens |  |  | 122,187 |  |  |  | - |  |  |  | 461 |
Residential closed-end junior liens |  |  | 2,446 |  |  |  | - |  |  |  | - |
Investor-owned residential real estate |  |  | 80,143 |  |  |  | - |  |  |  | 603 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential real estate |  |  | 127,312 |  |  |  | - |  |  |  | - |
Commercial real estate owner-occupied |  |  | 126,550 |  |  |  | - |  |  |  | - |
Commercial real estate, other |  |  | 181,443 |  |  |  | - |  |  |  | - |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 57,381 |  |  |  | - |  |  |  | 8 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |
States and political subdivisions |  |  | 48,074 |  |  |  | - |  |  |  | - |
Consumer Non-Real Estate |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 4,597 |  |  |  | - |  |  |  | - |
Automobile |  |  | 9,932 |  |  |  | - |  |  |  | 3 |
Other consumer |  |  | 19,398 |  |  |  | - |  |  |  | 18 |
Total |  | $ | 848,768 |  |  | $ | - |  |  | $ | 1,393 |
Unfunded Loan Commitment [Member] |
Notes Tables |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
Allowance for Credit Losses on Unfunded Commitments |
Balance, December 31, 2022 |  | $ | 35 |
Adoption of ASU 2016-13 |  |  | 207 |
Provision for credit losses |  |  | - |
Balance, March 31, 2023 |  | $ | 242 |

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