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Note 5 - Allowance for Loan Losses on Loans and Nonperforming Assets (Tables) | 12 Months Ended
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Dec. 31, 2023
Notes Tables |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | Activity in the Allowance for Credit Losses on Loans for the Year Ended December 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, December 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 | ) |  |  | - |  |  |  | (214 | ) |  |  | - |  |  |  | (247 | ) |  |  | - |  |  |  | (478 | )
Recoveries |  |  | - |  |  |  | 103 |  |  |  | 45 |  |  |  | 6 |  |  |  | - |  |  |  | 129 |  |  |  | - |  |  |  | 283 |
(Recovery of) provision for credit losses |  |  | (21 | ) |  |  | (384 | ) |  |  | (811 | ) |  |  | (256 | ) |  |  | 29 |  |  |  | 123 |  |  |  | 42 |  |  |  | (1,278 | )
Balance, December 31, 2023 |  | $ | 408 |  |  | $ | 3,162 |  |  | $ | 3,576 |  |  | $ | 682 |  |  | $ | 333 |  |  | $ | 583 |  |  | $ | 350 |  |  | $ | 9,094 |
|  | Activity in the Allowance for Loan Losses by Segment 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, December 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, December 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 by Segment and Evaluation Method as of |
December 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 |  | $ | - |  |  | $ | 74 |  |  | $ | 367 |  |  | $ | 126 |  |  | $ | - |  |  | $ | 5 |  |  | $ | - |  |  | $ | 572 |
Collectively evaluated |  |  | 408 |  |  |  | 3,088 |  |  |  | 3,209 |  |  |  | 556 |  |  |  | 333 |  |  |  | 578 |  |  |  | 350 |  |  |  | 8,522 |
Total |  | $ | 408 |  |  | $ | 3,162 |  |  | $ | 3,576 |  |  | $ | 682 |  |  | $ | 333 |  |  | $ | 583 |  |  | $ | 350 |  |  | $ | 9,094 |
|  | Loans by Segment and Evaluation Method as of |
December 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 |  | $ | 286 |  |  | $ | 1,183 |  |  | $ | 8,805 |  |  | $ | 227 |  |  | $ | - |  |  | $ | 43 |  |  | $ | 10,544 |
Collectively evaluated |  |  | 55,093 |  |  |  | 240,381 |  |  |  | 410,325 |  |  |  | 41,328 |  |  |  | 60,551 |  |  |  | 38,953 |  |  |  | 846,631 |
Total |  | $ | 55,379 |  |  | $ | 241,564 |  |  | $ | 419,130 |  |  | $ | 41,555 |  |  | $ | 60,551 |  |  | $ | 38,996 |  |  | $ | 857,175 |
|  | Allowance for Loan Losses by Segment and Evaluation Method 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 by Segment and Evaluation Method 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] |
|  | December 31, |
|  | 2023 |  |  | 2022 |
Ratio of ACLL to the end of period loans, net of unearned income and deferred fees and costs |  |  | 1.06 | % |  |  | 0.96 | %
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs |  |  | 0.02 | % |  |  | 0.02 | %
Financing Receivable, Nonaccrual [Table Text Block] |
|  | CECL |  |  | Incurred Loss |
|  | December 31, 2023 |  |  | December 31, 2022 |
Nonaccrual Loans |  | With No Allowance |  |  | With an Allowance |  |  | Total |  |  |  |  |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential closed-end first liens |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 91 |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner-occupied |  |  | 2,177 |  |  |  | 231 |  |  |  | 2,408 |  |  |  | 2,493 |
Commercial Non-Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | - |  |  |  | 221 |  |  |  | 221 |  |  |  | 263 |
Total |  | $ | 2,177 |  |  | $ | 452 |  |  | $ | 2,629 |  |  | $ | 2,847 |
December 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 |  | $ | 13,442 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 13,442 |  |  | $ | - |
Construction, other |  |  | 41,916 |  |  |  | 21 |  |  |  | - |  |  |  | - |  |  |  | 41,937 |  |  |  | - |
Consumer Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity line |  |  | 17,178 |  |  |  | 104 |  |  |  | - |  |  |  | - |  |  |  | 17,282 |  |  |  | - |
Residential closed-end first liens |  |  | 124,886 |  |  |  | 662 |  |  |  | 131 |  |  |  | - |  |  |  | 125,679 |  |  |  | 131 |
Residential closed-end junior liens |  |  | 5,027 |  |  |  | 12 |  |  |  | - |  |  |  | - |  |  |  | 5,039 |  |  |  | - |
Investor-owned residential real estate |  |  | 93,564 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 93,564 |  |  |  | - |
Commercial Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multifamily residential real estate |  |  | 119,052 |  |  |  | 195 |  |  |  | - |  |  |  | - |  |  |  | 119,247 |  |  |  | - |
Commercial real estate owner-occupied |  |  | 114,477 |  |  |  | 336 |  |  |  | - |  |  |  | 2,408 |  |  |  | 117,221 |  |  |  | 231 |
Commercial real estate, other |  |  | 182,662 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 182,662 |  |  |  | - |
Commercial Non-Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 41,249 |  |  |  | 57 |  |  |  | 28 |  |  |  | 221 |  |  |  | 41,555 |  |  |  | 28 |
Public Sector and IDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
States and political subdivisions |  |  | 60,551 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 60,551 |  |  |  | - |
Consumer Non-Real Estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  |  | 4,648 |  |  |  | 17 |  |  |  | 3 |  |  |  | - |  |  |  | 4,668 |  |  |  | 3 |
Automobile |  |  | 12,126 |  |  |  | 135 |  |  |  | - |  |  |  | - |  |  |  | 12,261 |  |  |  | - |
Other consumer loans |  |  | 21,934 |  |  |  | 107 |  |  |  | 26 |  |  |  | - |  |  |  | 22,067 |  |  |  | 26 |
Total |  | $ | 852,712 |  |  | $ | 1,646 |  |  | $ | 188 |  |  | $ | 2,629 |  |  | $ | 857,175 |  |  | $ | 419 |
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 |
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 Year Ended December 31, 2022 |
|  | Average Recorded Investment(1) |  |  | Interest Income Recognized |
Consumer Real Estate |  |  |  |  |  |  |  |
Investor-owned residential real estate |  | $ | 188 |  |  | $ | 13 |
Commercial Real Estate |  |  |  |  |  |  |  |
Commercial real estate, owner occupied |  |  | 2,587 |  |  |  | 5 |
Commercial real estate, other |  |  | 729 |  |  |  | - |
Commercial Non-Real Estate |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 272 |  |  |  | - |
Total |  | $ | 3,776 |  |  | $ | 18 |
Financing Receivable, Collateral Dependent Loan [Table Text Block] |
December 31, 2023 |  | Amortized Cost |  |  | Related Allowance |
Consumer Real Estate |  |  |  |  |  |  |  |
Residential closed-end first lien |  | $ | 7 |  |  | $ | - |
Commercial Real Estate |  |  |  |  |  |  |  |
Commercial real estate owner-occupied |  |  | 2,177 |  |  |  | - |
Total Loans |  | $ | 2,184 |  |  | $ | - |
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  | Revolving Loans |  |  |  |
December 31, 2023 |  | Prior |  |  | 2019 |  |  | 2020 |  |  | 2021 |  |  | 2022 |  |  | 2023 |  |  | Revolving |  |  | Converted to Term |  |  | Total |
Construction, residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | - |  |  | $ | - |  |  | $ | 246 |  |  | $ | 158 |  |  | $ | 3,275 |  |  | $ | 5,157 |  |  | $ | 4,606 |  |  | $ | - |  |  | $ | 13,442 |
Construction, other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 2,741 |  |  | $ | 1,094 |  |  | $ | 1,305 |  |  | $ | 12,671 |  |  | $ | 17,397 |  |  | $ | 4,884 |  |  | $ | 1,559 |  |  | $ | - |  |  | $ | 41,651 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 286 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 286 |
Total |  | $ | 2,741 |  |  | $ | 1,094 |  |  | $ | 1,305 |  |  | $ | 12,957 |  |  | $ | 17,397 |  |  | $ | 4,884 |  |  | $ | 1,559 |  |  | $ | - |  |  | $ | 41,937 |
Equity lines |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 51 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 17,182 |  |  | $ | - |  |  | $ | 17,233 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 49 |  |  |  | - |  |  |  | 49 |
Total |  | $ | 51 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 17,231 |  |  | $ | - |  |  | $ | 17,282 |
Residential closed-end first liens |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 32,404 |  |  | $ | 5,806 |  |  | $ | 14,634 |  |  | $ | 31,414 |  |  | $ | 29,787 |  |  | $ | 11,208 |  |  | $ | - |  |  | $ | - |  |  | $ | 125,253 |
Classified |  |  | 426 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 426 |
Total |  | $ | 32,830 |  |  | $ | 5,806 |  |  | $ | 14,634 |  |  | $ | 31,414 |  |  | $ | 29,787 |  |  | $ | 11,208 |  |  | $ | - |  |  | $ | - |  |  | $ | 125,679 |
YTD gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | 17 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 17 |
Residential closed-end junior liens |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,499 |  |  | $ | 116 |  |  | $ | - |  |  | $ | 172 |  |  | $ | 1,387 |  |  | $ | 1,850 |  |  | $ | - |  |  | $ | 15 |  |  | $ | 5,039 |
Investor-owned residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 24,556 |  |  | $ | 5,162 |  |  | $ | 23,649 |  |  | $ | 19,062 |  |  | $ | 14,166 |  |  | $ | 4,880 |  |  | $ | 1,283 |  |  | $ | 98 |  |  | $ | 92,856 |
Classified |  |  | 708 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 708 |
Total |  | $ | 25,264 |  |  | $ | 5,162 |  |  | $ | 23,649 |  |  | $ | 19,062 |  |  | $ | 14,166 |  |  | $ | 4,880 |  |  | $ | 1,283 |  |  | $ | 98 |  |  | $ | 93,564 |
Multifamily residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 40,092 |  |  | $ | 1,806 |  |  | $ | 2,148 |  |  | $ | 40,544 |  |  | $ | 25,681 |  |  | $ | 8,850 |  |  | $ | 126 |  |  | $ | - |  |  | $ | 119,247 |
Commercial real estate, owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 41,573 |  |  | $ | 11,091 |  |  | $ | 23,407 |  |  | $ | 4,792 |  |  | $ | 16,720 |  |  | $ | 7,914 |  |  | $ | 2,919 |  |  | $ | - |  |  | $ | 108,416 |
Special mention |  |  | 6,396 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 6,396 |
Classified |  |  | 2,409 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2,409 |
Total |  | $ | 50,378 |  |  | $ | 11,091 |  |  | $ | 23,407 |  |  | $ | 4,792 |  |  | $ | 16,720 |  |  | $ | 7,914 |  |  | $ | 2,919 |  |  | $ | - |  |  | $ | 117,221 |
Commercial real estate, other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 68,889 |  |  | $ | 21,841 |  |  | $ | 19,098 |  |  | $ | 36,157 |  |  | $ | 22,697 |  |  | $ | 13,279 |  |  | $ | 701 |  |  | $ | - |  |  | $ | 182,662 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 6,004 |  |  | $ | 438 |  |  | $ | 1,060 |  |  | $ | 12,667 |  |  | $ | 6,954 |  |  | $ | 6,938 |  |  | $ | 7,267 |  |  | $ | - |  |  | $ | 41,328 |
Classified |  |  | 220 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 7 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 227 |
Total |  | $ | 6,224 |  |  | $ | 438 |  |  | $ | 1,060 |  |  | $ | 12,667 |  |  | $ | 6,961 |  |  | $ | 6,938 |  |  | $ | 7,267 |  |  | $ | - |  |  | $ | 41,555 |
YTD gross charge-offs |  | $ | - |  |  | $ | 12 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 12 |  |  | $ | 190 |  |  | $ | - |  |  | $ | 214 |
Public sector and IDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 20,817 |  |  | $ | - |  |  | $ | 235 |  |  | $ | 26,702 |  |  | $ | 6,335 |  |  | $ | 6,462 |  |  | $ | - |  |  | $ | - |  |  | $ | 60,551 |
Credit cards |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 4,668 |  |  | $ | - |  |  | $ | 4,668 |
YTD gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 39 |  |  | $ | - |  |  | $ | 39 |
Automobile |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 78 |  |  | $ | 204 |  |  | $ | 563 |  |  | $ | 1,619 |  |  | $ | 2,750 |  |  | $ | 7,047 |  |  | $ | - |  |  | $ | - |  |  | $ | 12,261 |
YTD gross charge-offs |  | $ | - |  |  | $ | 3 |  |  | $ | - |  |  | $ | 1 |  |  | $ | 38 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 42 |
Other Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 93 |  |  | $ | 334 |  |  | $ | 811 |  |  | $ | 1,943 |  |  | $ | 5,815 |  |  | $ | 12,356 |  |  | $ | 672 |  |  | $ | - |  |  | $ | 22,024 |
Special mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 17 |  |  |  | - |  |  |  | - |  |  |  | 17 |
Classified |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 11 |  |  |  | 15 |  |  |  | - |  |  |  | - |  |  |  | 26 |
Total |  | $ | 93 |  |  | $ | 334 |  |  | $ | 811 |  |  | $ | 1,943 |  |  | $ | 5,826 |  |  | $ | 12,388 |  |  | $ | 672 |  |  | $ | - |  |  | $ | 22,067 |
YTD gross charge-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 19 |  |  | $ | 52 |  |  | $ | 95 |  |  | $ | - |  |  | $ | - |  |  | $ | 166 |
Total Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 238,797 |  |  | $ | 47,892 |  |  | $ | 87,156 |  |  | $ | 187,901 |  |  | $ | 152,964 |  |  | $ | 90,825 |  |  | $ | 40,983 |  |  | $ | 113 |  |  | $ | 846,631 |
Special mention |  |  | 6,396 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 17 |  |  |  | - |  |  |  | - |  |  |  | 6,413 |
Classified |  |  | 3,763 |  |  |  | - |  |  |  | - |  |  |  | 286 |  |  |  | 18 |  |  |  | 15 |  |  |  | 49 |  |  |  | - |  |  |  | 4,131 |
Total |  | $ | 248,956 |  |  | $ | 47,892 |  |  | $ | 87,156 |  |  | $ | 188,187 |  |  | $ | 152,982 |  |  | $ | 90,857 |  |  | $ | 41,032 |  |  | $ | 113 |  |  | $ | 857,175 |
YTD gross charge-offs |  | $ | - |  |  | $ | 15 |  |  | $ | 17 |  |  | $ | 20 |  |  | $ | 90 |  |  | $ | 107 |  |  | $ | 229 |  |  | $ | - |  |  | $ | 478 |
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
Year Ended December 31, 2023 |  | Amortized Cost Basis |  |  | % of Portfolio |  |  | Financial Effect
Commercial Real Estate |  |  |  |  |  |  |  |  |  |
Commercial real estate owner-occupied |  | $ | 6,396 |  |  |  | 5.46 | % |  | 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 |
Provision for credit losses |  |  | 17 |
Balance, December 31, 2023 |  | $ | 259 |

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