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v3.23.2

Note 2 - Loans and Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 2023
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
|  | June 30, 2023 |  |  | December 31, 2022 |
Real estate construction |  | $ | 56,984 |  |  | $ | 54,579 |
Consumer real estate |  |  | 226,453 |  |  |  | 221,052 |
Commercial real estate |  |  | 423,396 |  |  |  | 437,888 |
Commercial non real estate |  |  | 56,079 |  |  |  | 57,652 |
Public sector and IDA |  |  | 47,791 |  |  |  | 48,074 |
Consumer non real estate |  |  | 36,236 |  |  |  | 33,948 |
Gross loans |  |  | 846,939 |  |  |  | 853,193 |
Less unearned income and deferred fees and costs |  |  | (398 | ) |  |  | (449 | )
Loans, net of unearned income and deferred fees and costs |  | $ | 846,541 |  |  | $ | 852,744 |
Allowance for credit losses on loans |  |  | (10,626 | ) |  |  | (8,225 | )
Total loans, net |  | $ | 835,915 |  |  | $ | 844,519 |
Financing Receivable, Past Due [Table Text Block] |
|  | June 30, 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 |  | $ | 14,094 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 14,094 |  |  | $ | - |
Construction, other |  |  | 42,890 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 42,890 |  |  |  | - |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity line |  |  | 15,312 |  |  |  | 50 |  |  |  | - |  |  |  | - |  |  |  | 15,362 |  |  |  | - |
Residential closed-end first liens |  |  | 123,820 |  |  |  | 527 |  |  |  | 7 |  |  |  | 87 |  |  |  | 124,441 |  |  |  | 94 |
Residential closed-end junior liens |  |  | 4,085 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 4,085 |  |  |  | - |
Investor-owned residential real estate |  |  | 82,243 |  |  |  | 322 |  |  |  | - |  |  |  | - |  |  |  | 82,565 |  |  |  | - |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential real estate |  |  | 131,192 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 131,192 |  |  |  | - |
Commercial real estate owner-occupied |  |  | 115,752 |  |  |  | 146 |  |  |  | - |  |  |  | 2,446 |  |  |  | 118,344 |  |  |  | 242 |
Commercial real estate, other |  |  | 173,860 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 173,860 |  |  |  | - |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 55,517 |  |  |  | 19 |  |  |  | 1 |  |  |  | 542 |  |  |  | 56,079 |  |  |  | 1 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
States and political subdivisions |  |  | 47,791 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 47,791 |  |  |  | - |
Consumer Non-Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 4,637 |  |  |  | 6 |  |  |  | 10 |  |  |  | - |  |  |  | 4,653 |  |  |  | 10 |
Automobile |  |  | 11,539 |  |  |  | 34 |  |  |  | - |  |  |  | - |  |  |  | 11,573 |  |  |  | - |
Other consumer loans |  |  | 19,902 |  |  |  | 105 |  |  |  | 3 |  |  |  | - |  |  |  | 20,010 |  |  |  | 3 |
Total |  | $ | 842,634 |  |  | $ | 1,209 |  |  | $ | 21 |  |  | $ | 3,075 |  |  | $ | 846,939 |  |  | $ | 350 |
|  | 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 |
|  | June 30, 2023 |  |  | December 31, 2022 |
|  | Nonaccrual Loans |  |  | Nonaccrual Loans |
|  | With No Allowance |  |  | With an Allowance |  |  | Total |  |  |  |  |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential closed-end first liens |  | $ | - |  |  | $ | 87 |  |  | $ | 87 |  |  | $ | 91 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner-occupied |  |  | - |  |  |  | 2,446 |  |  |  | 2,446 |  |  |  | 2,493 |
Commercial Non Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | - |  |  |  | 542 |  |  |  | 542 |  |  |  | 263 |
Total |  | $ | - |  |  | $ | 3,075 |  |  | $ | 3,075 |  |  | $ | 2,847 |
Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block] |
|  | June 30, |  |  | December 31, |
|  | 2023 |  |  | 2022 |  |  | 2022 |
Ratio of ACLL to nonaccrual loans |  |  | 345.56 | % |  |  | 270.86 | % |  |  | 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 | % |  |  | 0.00 | % |  |  | 0.00 | %
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | Activity in the Allowance for Credit Losses on Loans for the Six Months Ended June 30, 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 |  |  | - |  |  |  | (17 | ) |  |  | - |  |  |  | (11 | ) |  |  | - |  |  |  | (132 | ) |  |  | - |  |  |  | (160 | )
Recoveries |  |  | - |  |  |  | 102 |  |  |  | 25 |  |  |  | 3 |  |  |  | - |  |  |  | 77 |  |  |  | - |  |  |  | 207 |
Provision for (recovery of) credit losses |  |  | 47 |  |  |  | (180 | ) |  |  | (26 | ) |  |  | 78 |  |  |  | (3 | ) |  |  | 70 |  |  |  | 26 |  |  |  | 12 |
Balance, June 30, 2023 |  | $ | 476 |  |  | $ | 3,365 |  |  | $ | 4,341 |  |  | $ | 1,216 |  |  | $ | 301 |  |  | $ | 593 |  |  | $ | 334 |  |  | $ | 10,626 |
|  | Activity in the Allowance for Loan Losses for the Six Months Ended June 30, 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 |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (2 | ) |  |  | - |  |  |  | (133 | ) |  |  | - |  |  |  | (135 | )
Recoveries |  |  | - |  |  |  | - |  |  |  | 24 |  |  |  | 6 |  |  |  | - |  |  |  | 56 |  |  |  | - |  |  |  | 86 |
Provision for (recovery of) loan losses |  |  | 285 |  |  |  | 189 |  |  |  | 325 |  |  |  | (307 | ) |  |  | 39 |  |  |  | 95 |  |  |  | (182 | ) |  |  | 444 |
Balance, June 30, 2022 |  | $ | 707 |  |  | $ | 2,119 |  |  | $ | 3,470 |  |  | $ | 796 |  |  | $ | 336 |  |  | $ | 462 |  |  | $ | 179 |  |  | $ | 8,069 |
|  | 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 June 30, 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 |  | $ | - |  |  | $ | 80 |  |  | $ | 552 |  |  | $ | 307 |  |  | $ | - |  |  | $ | 1 |  |  | $ | - |  |  | $ | 940 |
Collectively evaluated |  |  | 476 |  |  |  | 3,285 |  |  |  | 3,789 |  |  |  | 909 |  |  |  | 301 |  |  |  | 592 |  |  |  | 334 |  |  |  | 9,686 |
Total |  | $ | 476 |  |  | $ | 3,365 |  |  | $ | 4,341 |  |  | $ | 1,216 |  |  | $ | 301 |  |  | $ | 593 |  |  | $ | 334 |  |  | $ | 10,626 |
|  | 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 June 30, 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 |  | $ | 293 |  |  | $ | 1,029 |  |  | $ | 8,847 |  |  | $ | 548 |  |  | $ | - |  |  | $ | 8 |  |  | $ | 10,725 |
Collectively evaluated |  |  | 56,691 |  |  |  | 225,424 |  |  |  | 414,549 |  |  |  | 55,531 |  |  |  | 47,791 |  |  |  | 36,228 |  |  |  | 836,214 |
Total |  | $ | 56,984 |  |  | $ | 226,453 |  |  | $ | 423,396 |  |  | $ | 56,079 |  |  | $ | 47,791 |  |  | $ | 36,236 |  |  | $ | 846,939 |
|  | 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 |
|  | Six Months Ended June 30, |  |  | 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 |  |  | 1.26 | % |  |  | 0.95 | % |  |  | 0.96 | %
Ratio of net charge-offs (recoveries), annualized, to average loans, net of unearned income and deferred fees and costs |  |  | (0.01 | )% |  |  | 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 Six Months Ended June 30, 2022 |
|  | Average Recorded Investment(1) |  |  | Interest Income Recognized |
Consumer Real Estate |  |  |  |  |  |  |  |
Investor-owned residential real estate |  | $ | 189 |  |  | $ | 6 |
Commercial Real Estate |  |  |  |  |  |  |  |
Commercial real estate, owner occupied |  |  | 2,626 |  |  |  | 3 |
Commercial real estate, other |  |  | 2,719 |  |  |  | 34 |
Commercial Non-Real Estate |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 286 |  |  |  | - |
Total |  | $ | 5,820 |  |  | $ | 43 |
Financing Receivable, Collateral Dependent Loan [Table Text Block] |
|  | June 30, 2023 |
Consumer Real Estate |  |  |
Residential closed-end first lien |  | $ | 7 |
Total Loans |  | $ | 7 |
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at June 30, 2023 |  | Prior |  |  | 2019 |  |  | 2020 |  |  | 2021 |  |  | 2022 |  |  | 2023 |  |  | Revolving |  |  | Revolving Loans Converted to Term |  |  | Total |
Construction, residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | - |  |  | $ | - |  |  | $ | 233 |  |  | $ | 703 |  |  | $ | 4,294 |  |  | $ | 1,462 |  |  | $ | 7,402 |  |  | $ | - |  |  | $ | 14,094 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | - |  |  | $ | - |  |  | $ | 233 |  |  | $ | 703 |  |  | $ | 4,294 |  |  | $ | 1,462 |  |  | $ | 7,402 |  |  | $ | - |  |  | $ | 14,094 |
Construction, other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 3,254 |  |  | $ | 1,201 |  |  | $ | 1,450 |  |  | $ | 24,570 |  |  | $ | 7,247 |  |  | $ | 3,560 |  |  | $ | 1,315 |  |  | $ | - |  |  | $ | 42,597 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 293 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 293 |
Total |  | $ | 3,254 |  |  | $ | 1,201 |  |  | $ | 1,450 |  |  | $ | 24,863 |  |  | $ | 7,247 |  |  | $ | 3,560 |  |  | $ | 1,315 |  |  | $ | - |  |  | $ | 42,890 |
Equity lines |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 55 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 15,294 |  |  | $ | 13 |  |  | $ | 15,362 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 55 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | -- |  |  | $ | 15,294 |  |  | $ | 13 |  |  | $ | 15,362 |
Residential closed-end first liens |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 34,228 |  |  | $ | 6,023 |  |  | $ | 14,971 |  |  | $ | 32,396 |  |  | $ | 29,086 |  |  | $ | 7,433 |  |  | $ | - |  |  | $ | - |  |  | $ | 124,137 |
Classified |  |  | 304 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 304 |
Total |  | $ | 34,532 |  |  | $ | 6,023 |  |  | $ | 14,971 |  |  | $ | 32,396 |  |  | $ | 29,086 |  |  | $ | 7,433 |  |  | $ | - |  |  | $ | - |  |  | $ | 124,441 |
YTD gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | 17 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 17 |
Residential closed-end junior liens |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,847 |  |  | $ | 120 |  |  | $ | - |  |  | $ | 178 |  |  | $ | 401 |  |  | $ | 1,539 |  |  | $ | - |  |  | $ | - |  |  | $ | 4,085 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 1,847 |  |  | $ | 120 |  |  | $ | - |  |  | $ | 178 |  |  | $ | 401 |  |  | $ | 1,539 |  |  | $ | - |  |  | $ | - |  |  | $ | 4,085 |
Investor-owned residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 23,727 |  |  | $ | 5,308 |  |  | $ | 14,842 |  |  | $ | 20,230 |  |  | $ | 14,127 |  |  | $ | 2,210 |  |  | $ | 1,297 |  |  | $ | 99 |  |  | $ | 81,840 |
Classified |  |  | 725 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 725 |
Total |  | $ | 24,452 |  |  | $ | 5,308 |  |  | $ | 14,842 |  |  | $ | 20,230 |  |  | $ | 14,127 |  |  | $ | 2,210 |  |  | $ | 1,297 |  |  | $ | 99 |  |  | $ | 82,565 |
Multifamily residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 43,414 |  |  | $ | 1,839 |  |  | $ | 11,910 |  |  | $ | 41,134 |  |  | $ | 27,216 |  |  | $ | 5,679 |  |  | $ | - |  |  | $ | - |  |  | $ | 131,192 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 43,414 |  |  | $ | 1,839 |  |  | $ | 11,910 |  |  | $ | 41,134 |  |  | $ | 27,216 |  |  | $ | 5,679 |  |  | $ | - |  |  | $ | - |  |  | $ | 131,192 |
Commercial real estate, owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 45,878 |  |  | $ | 11,389 |  |  | $ | 23,909 |  |  | $ | 4,978 |  |  | $ | 16,843 |  |  | $ | 3,751 |  |  | $ | 2,749 |  |  | $ | - |  |  | $ | 109,497 |
Special mention |  |  | 6,396 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 6,396 |
Classified |  |  | 2,451 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2,451 |
Total |  | $ | 54,725 |  |  | $ | 11,389 |  |  | $ | 23,909 |  |  | $ | 4,978 |  |  | $ | 16,843 |  |  | $ | 3,751 |  |  | $ | 2,749 |  |  | $ | - |  |  | $ | 118,344 |
Commercial real estate, other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 71,694 |  |  | $ | 22,223 |  |  | $ | 19,489 |  |  | $ | 36,621 |  |  | $ | 22,906 |  |  | $ | 356 |  |  | $ | 571 |  |  | $ | - |  |  | $ | 173,860 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 71,694 |  |  | $ | 22,223 |  |  | $ | 19,489 |  |  | $ | 36,621 |  |  | $ | 22,906 |  |  | $ | 356 |  |  | $ | 571 |  |  | $ | - |  |  | $ | 173,860 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 6,519 |  |  | $ | 925 |  |  | $ | 9,708 |  |  | $ | 14,654 |  |  | $ | 7,935 |  |  | $ | 4,093 |  |  | $ | 11,697 |  |  | $ | - |  |  | $ | 55,531 |
Classified |  |  | 242 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 6 |  |  |  | - |  |  |  | 300 |  |  |  | - |  |  |  | 548 |
Total |  | $ | 6,761 |  |  | $ | 925 |  |  | $ | 9,708 |  |  | $ | 14,654 |  |  | $ | 7,941 |  |  | $ | 4,093 |  |  | $ | 11,997 |  |  | $ | - |  |  | $ | 56,079 |
YTD gross charge-offs |  | $ | - |  |  | $ | 11 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 11 |
Public sector and IDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 21,590 |  |  | $ | 33 |  |  | $ | 243 |  |  | $ | 18,259 |  |  | $ | 6,540 |  |  | $ | 1,126 |  |  | $ | - |  |  | $ | - |  |  | $ | 47,791 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 21,590 |  |  | $ | 33 |  |  | $ | 243 |  |  | $ | 18,259 |  |  | $ | 6,540 |  |  | $ | 1,126 |  |  | $ | - |  |  | $ | - |  |  | $ | 47,791 |
Credit cards |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 4,653 |  |  | $ | - |  |  | $ | 4,653 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 4,653 |  |  | $ | - |  |  | $ | 4,653 |
YTD gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 19 |  |  | $ | - |  |  | $ | 19 |
Automobile |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 127 |  |  | $ | 397 |  |  | $ | 890 |  |  | $ | 2,153 |  |  | $ | 3,613 |  |  | $ | 4,385 |  |  | $ | - |  |  | $ | - |  |  | $ | 11,565 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 8 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 8 |
Total |  | $ | 127 |  |  | $ | 397 |  |  | $ | 890 |  |  | $ | 2,153 |  |  | $ | 3,621 |  |  | $ | 4,385 |  |  | $ | - |  |  | $ | - |  |  | $ | 11,573 |
YTD gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 1 |  |  | $ | 31 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 32 |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 150 |  |  | $ | 465 |  |  | $ | 1,118 |  |  | $ | 2,653 |  |  | $ | 7,773 |  |  | $ | 6,774 |  |  | $ | 1,077 |  |  | $ | - |  |  | $ | 20,010 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 150 |  |  | $ | 465 |  |  | $ | 1,118 |  |  | $ | 2,653 |  |  | $ | 7,773 |  |  | $ | 6,774 |  |  | $ | 1,077 |  |  | $ | - |  |  | $ | 20,010 |
YTD gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 17 |  |  | $ | 25 |  |  | $ | - |  |  | $ | 39 |  |  | $ | - |  |  | $ | 81 |
Total Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 252,483 |  |  | $ | 49,923 |  |  | $ | 98,763 |  |  | $ | 198,529 |  |  | $ | 147,981 |  |  | $ | 42,368 |  |  | $ | 46,055 |  |  | $ | 112 |  |  | $ | 836,214 |
Special Mention |  |  | 6,396 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 6,396 |
Classified |  |  | 3,722 |  |  |  | - |  |  |  | - |  |  |  | 293 |  |  |  | 14 |  |  |  | - |  |  |  | 300 |  |  |  | - |  |  |  | 4,329 |
Total |  | $ | 262,601 |  |  | $ | 49,923 |  |  | $ | 98,763 |  |  | $ | 198,822 |  |  | $ | 147,995 |  |  | $ | 42,368 |  |  | $ | 46,355 |  |  | $ | 112 |  |  | $ | 846,939 |
YTD gross charge-offs |  | $ | - |  |  | $ | 11 |  |  | $ | 17 |  |  | $ | 18 |  |  | $ | 56 |  |  | $ | - |  |  | $ | 58 |  |  | $ | - |  |  | $ | 160 |
|  | 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 |
Financing Receivable, Modified [Table Text Block] |
|  | Interest Only Payments
|  | Amortized Cost Basis |  |  | % of Portfolio |  |  | Financial Effect
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial real estate owner-occupied |  | $ | 6,396 |  |  |  | 5.40 | % |  | 6 months of interest only payments, after which remaining balance will be re-amortized to the contractual maturity date.
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 |
Recovery of credit losses |  |  | (9 | )
Balance, June 30, 2023 |  | $ | 233 |

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