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Loan and Allowance for Loan Losses (Tables)
12 Months Ended
Dec. 31, 2022
Loans And Leases Receivable Disclosure [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
December 31
(In thousands)
2022
2021
Commercial and industrial
$
66,179
$
83,977
Construction and land development
66,479
32,432
Commercial real estate:
Owner occupied
61,265
63,375
Hotel/motel
33,457
43,856
Multifamily
41,181
42,587
Other
129,278
108,553
Total commercial real estate
265,181
258,371
Residential real estate:
Consumer mortgage
45,410
29,781
Investment property
52,325
47,880
Total residential real estate
97,735
77,661
Consumer installment
9,546
6,682
Total loans
505,120
459,123
Less: unearned income
(662)
(759)
Loans, net of unearned income
$
504,458
$
458,364
Past Due Financing Receivables [Table Text Block]
Accruing
Accruing
Total
30-89 Days
Greater than
Accruing
Non-
Total
 
(In thousands)
Current
Past Due
90 days
Loans
Accrual
Loans
December 31, 2022:
Commercial and industrial
$
65,731
5
65,736
443
$
66,179
Construction and land development
66,479
66,479
66,479
Commercial real estate:
Owner occupied
61,265
61,265
61,265
Hotel/motel
33,457
33,457
33,457
Multifamily
41,181
41,181
41,181
Other
127,162
127,162
2,116
129,278
Total commercial real estate
263,065
263,065
2,116
265,181
Residential real estate:
Consumer mortgage
45,200
38
45,238
172
45,410
Investment property
52,325
52,325
52,325
Total residential real estate
97,525
38
97,563
172
97,735
Consumer installment
9,506
40
9,546
9,546
Total
$
502,306
83
502,389
2,731
$
505,120
December 31, 2021:
Commercial and industrial
$
83,974
3
83,977
$
83,977
Construction and land development
32,228
204
32,432
32,432
Commercial real estate:
Owner occupied
63,375
63,375
63,375
Hotel/motel
43,856
43,856
43,856
Multifamily
42,587
42,587
42,587
Other
108,366
108,366
187
108,553
Total commercial real estate
258,184
258,184
187
258,371
Residential real estate:
Consumer mortgage
29,070
516
29,586
195
29,781
Investment property
47,818
47,818
62
47,880
Total residential real estate
76,888
516
77,404
257
77,661
Consumer installment
6,657
25
6,682
6,682
Total
$
457,931
748
458,679
444
$
459,123
Allowance for Credit Losses on Financing Receivables [Table Text Block]
Year ended December 31
(In thousands)
2022
2021
Beginning balance
$
4,939
$
5,618
Charged-off loans
(292)
(294)
Recovery of previously charged-off loans
118
215
Net charge-offs
(174)
(79)
Provision for loan losses
1,000
(600)
Ending balance
$
5,765
$
4,939
(in thousands)
Commercial
and industrial
Construction
and land
Development
Commercial
Real Estate
Residential
Real Estate
Consumer
Installment
Total
Balance, December 31, 2020
$
807
594
3,169
944
104
$
5,618
Charge-offs
(254)
(3)
(37)
(294)
Recoveries
140
55
20
215
Net recoveries (charge-offs)
140
(254)
52
(17)
(79)
Provision
(90)
(76)
(176)
(257)
(1)
(600)
Balance, December 31, 2021
$
857
518
2,739
739
86
$
4,939
Charge-offs
(222)
(70)
(292)
Recoveries
7
23
26
62
118
Net (charge-offs) recoveries
(215)
23
26
(8)
(174)
Provision
105
431
347
63
54
1,000
Balance, December 31, 2022
$
747
949
3,109
828
132
$
5,765
Financing Receivable Allowance for Credit Loss Additional Information [Table Text Block]
Collectively evaluated (1)
Individually evaluated (2)
Total
Allowance
Recorded
Allowance
Recorded
Allowance
Recorded
for loan
investment
for loan
investment
for loan
investment
(In thousands)
losses
in loans
losses
in loans
losses
in loans
December 31, 2022:
Commercial and industrial
$
688
65,736
59
443
747
66,179
Construction and land development
949
66,479
949
66,479
Commercial real estate
2,663
263,065
446
2,116
3,109
265,181
Residential real estate
828
97,735
828
97,735
Consumer installment
132
9,546
132
9,546
Total
$
5,260
502,561
505
2,559
5,765
505,120
December 31, 2021:
Commercial and industrial
$
857
83,977
857
83,977
Construction and land development
518
32,432
518
32,432
Commercial real estate
2,739
258,184
187
2,739
258,371
Residential real estate
739
77,599
62
739
77,661
Consumer installment
86
6,682
86
6,682
Total
$
4,939
458,874
249
4,939
459,123
(1) Represents loans collectively evaluated for impairment
 
in accordance with ASC 450-20,
Loss Contingencies
(formerly FAS 5), and pursuant to amendments by ASU 2010-20 regarding allowance for
 
unimpaired loans.
(2) Represents loans individually evaluated for impairment
 
in accordance with ASC 310-30,
Receivables
(formerly
 
FAS 114), and pursuant to amendments by ASU 2010-20 regarding allowance for impaired loans.
Financing Receivable Credit Quality Indicators [Table Text Block]
(In thousands)
 
Pass
 
Special
Mention
Substandard
Accruing
Nonaccrual
Total loans
December 31, 2022
Commercial and industrial
$
65,517
7
212
443
$
66,179
Construction and land development
66,479
66,479
Commercial real estate:
Owner occupied
60,866
238
161
61,265
Hotel/motel
33,457
33,457
Multifamily
41,181
41,181
Other
126,992
170
2,116
129,278
Total commercial real estate
262,496
408
161
2,116
265,181
Residential real estate:
Consumer mortgage
44,212
439
587
172
45,410
Investment property
52,034
43
248
52,325
Total residential real estate
96,246
482
835
172
97,735
Consumer installment
9,498
1
47
9,546
Total
$
500,236
898
1,255
2,731
$
505,120
December 31, 2021
Commercial and industrial
$
83,725
26
226
$
83,977
Construction and land development
32,212
2
218
32,432
Commercial real estate:
Owner occupied
61,573
1,675
127
63,375
Hotel/motel
36,162
7,694
43,856
Multifamily
39,093
3,494
42,587
Other
107,426
911
29
187
108,553
Total commercial real estate
244,254
13,774
156
187
258,371
Residential real estate:
Consumer mortgage
27,647
452
1,487
195
29,781
Investment property
47,459
98
261
62
47,880
Total residential real estate
75,106
550
1,748
257
77,661
Consumer installment
6,650
20
12
6,682
Total
$
441,947
14,372
2,360
444
$
459,123
Impaired Financing Receivables [Table Text Block]
December 31, 2022
(In thousands)
Unpaid
 
principal
 
balance (1)
Charge-offs
 
and payments
 
applied (2)
Recorded
investment (3)
Related
allowance
With no allowance recorded:
Commercial and industrial
$
210
(1)
$
209
Commercial real estate:
Owner occupied
858
(3)
855
Total commercial real estate
858
(3)
855
Total
 
$
1,068
(4)
$
1,064
With allowance recorded:
Commercial and industrial
$
234
234
$
59
Commercial real estate:
Owner occupied
1,261
1,261
446
Total commercial real estate
1,261
1,261
446
Total
 
1,495
1,495
505
Total
 
impaired loans
$
2,563
(4)
2,559
$
505
(1) Unpaid principal balance represents the contractual obligation
 
due from the customer.
(2) Charge-offs and payments applied represents cumulative charge-offs taken, as well
 
as interest payments that have been
applied against the outstanding principal balance.
(3) Recorded investment represents the unpaid principal balance
 
less charge-offs and payments applied; it is shown before
 
any related allowance for loan losses.
December 31, 2021
(In thousands)
Unpaid
 
principal
 
balance (1)
Charge-offs
 
and payments
 
applied (2)
Recorded
investment (3)
Related
allowance
With no allowance recorded:
Commercial real estate:
Other
$
205
(18)
187
Total commercial real estate
205
(18)
187
Residential real estate:
Investment property
68
(6)
62
Total residential real estate
68
(6)
62
Total
 
$
273
(24)
$
249
With allowance recorded:
Total
 
impaired loans
$
273
(24)
249
$
(1) Unpaid principal balance represents the contractual obligation
 
due from the customer.
(2) Charge-offs and payments applied represents cumulative charge-offs taken, as well
 
as interest payments that have been
applied against the outstanding principal balance.
(3) Recorded investment represents the unpaid principal balance
 
less charge-offs and payments applied; it is shown before
 
any related allowance for loan losses.
Schedule Of Average Impaired Financing Receivable [Table Text Block]
Year ended December 31, 2022
Year ended December 31, 2021
Average
Total interest
Average
Total interest
recorded
income
recorded
income
(In thousands)
investment
recognized
investment
recognized
Impaired loans:
Commercial and industrial
$
34
$
Commercial real estate:
Owner occupied
163
Other
$
153
$
199
Total commercial real estate
316
199
Residential real estate:
Investment property
5
96
Total residential real estate
5
96
Total
 
$
355
$
295
Troubled Debt Restructurings on Financing Receivables, Accrual Status [Table Text Block]
TDRs
Related
(In thousands)
Accruing
Nonaccrual
Total
Allowance
December 31, 2021
Commercial real estate:
Other
$
187
187
$
Total commercial real estate
187
187
Residential real estate:
Investment property
62
62
Total residential real estate
62
62
Total
 
$
249
249
$