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Loan and Allowance for Loan Losses (Tables)
12 Months Ended
Dec. 31, 2023
Loans And Leases Receivable Disclosure [Abstract]  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31
(In thousands)
2023
2022
Commercial and industrial
$
73,374
$
66,212
Construction and land development
68,329
66,479
Commercial real estate:
Owner occupied
66,783
61,125
Hotel/motel
39,131
33,378
Multifamily
45,841
41,084
Other
135,552
128,986
Total commercial real estate
287,307
264,573
Residential real estate:
Consumer mortgage
60,545
45,370
Investment property
56,912
52,278
Total residential real estate
117,457
97,648
Consumer installment
10,827
9,546
Total loans, net of unearned income
557,294
504,458
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, 2023:
Commercial and industrial
$
73,108
266
73,374
$
73,374
Construction and land development
68,329
68,329
68,329
Commercial real estate:
Owner occupied
66,000
66,000
783
66,783
Hotel/motel
39,131
39,131
39,131
Multifamily
45,841
45,841
45,841
Other
135,552
135,552
135,552
Total commercial real estate
286,524
286,524
783
287,307
Residential real estate:
Consumer mortgage
60,442
60,442
103
60,545
Investment property
56,597
290
56,887
25
56,912
Total residential real estate
117,039
290
117,329
128
117,457
Consumer installment
10,781
46
10,827
10,827
Total
$
555,781
602
556,383
911
$
557,294
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
December 31, 2022:
Commercial and industrial
$
65,764
5
65,769
443
$
66,212
Construction and land development
66,479
66,479
66,479
Commercial real estate:
Owner occupied
61,125
61,125
61,125
Hotel/motel
33,378
33,378
33,378
Multifamily
41,084
41,084
41,084
Other
126,870
126,870
2,116
128,986
Total commercial real estate
262,457
262,457
2,116
264,573
Residential real estate:
Consumer mortgage
45,160
38
45,198
172
45,370
Investment property
52,278
52,278
52,278
Total residential real estate
97,438
38
97,476
172
97,648
Consumer installment
9,506
40
9,546
9,546
Total
$
501,644
83
501,727
2,731
$
504,458
Financing Receivable Credit Quality Indicators [Table Text Block]
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(Dollars in thousands)
2023
2022
2021
2020
2019
Prior to
2019
Revolving
Loans
Total
 
Loans
December 31, 2023:
 
Commercial and industrial
Pass
$
1,187
334
2,220
22,152
2,363
44,780
77
$
73,113
Special mention
Substandard
206
55
261
Nonaccrual
Total commercial and industrial
1,187
334
2,220
22,152
2,569
44,835
77
73,374
Current period gross charge-offs
13
151
164
Construction and land development
Pass
6,771
13,326
11,461
11,070
4,329
20,758
614
$
68,329
Special mention
Substandard
Nonaccrual
Total construction and land development
6,771
13,326
11,461
11,070
4,329
20,758
614
68,329
Current period gross charge-offs
Commercial real estate:
Owner occupied
Pass
39
4,705
9,514
14,684
3,405
33,343
$
65,690
Special mention
260
260
Substandard
50
50
Nonaccrual
783
783
Total owner occupied
39
4,705
9,514
14,684
3,405
34,436
66,783
Current period gross charge-offs
Hotel/motel
Pass
1,423
7,364
8,428
3,938
17,978
$
39,131
Special mention
Substandard
Nonaccrual
Total hotel/motel
1,423
7,364
8,428
3,938
17,978
39,131
Current period gross charge-offs
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(Dollars in thousands)
2023
2022
2021
2020
2019
Prior to
2019
Revolving
Loans
Total
 
Loans
December 31, 2023:
 
Multi-family
Pass
81
8,292
6,765
151
30,552
45,841
Special mention
Substandard
Nonaccrual
Total multi-family
81
8,292
6,765
151
30,552
45,841
Current period gross charge-offs
Other
Pass
3,225
5,234
20,796
27,979
5,771
72,393
135,398
Special mention
Substandard
154
154
Nonaccrual
Total other
3,379
5,234
20,796
27,979
5,771
72,393
135,552
Current period gross charge-offs
Residential real estate:
Consumer mortgage
Pass
5,624
7,483
13,500
4,332
2,427
22,164
3,890
59,420
Special mention
249
56
190
495
Substandard
160
84
58
209
16
527
Nonaccrual
45
58
103
Total consumer mortgage
6,033
7,567
13,603
4,388
2,636
22,428
3,890
60,545
Current period gross charge-offs
Investment property
Pass
9,358
11,630
10,299
5,252
910
16,352
2,521
56,322
Special mention
41
41
Substandard
233
43
248
524
Nonaccrual
25
25
Total investment property
9,358
11,863
10,342
5,252
910
16,418
2,769
56,912
Current period gross charge-offs
Consumer installment
Pass
58
29
728
2,466
1,227
6,210
10,718
Special mention
27
18
45
Substandard
12
25
27
64
Nonaccrual
Total consumer installment
58
29
740
2,518
1,227
6,255
10,827
Current period gross charge-offs
34
57
13
1
105
Total loans
Pass
26,262
44,245
84,174
103,128
24,521
264,530
7,102
553,962
Special mention
249
83
509
841
Substandard
314
317
113
25
415
148
248
1,580
Nonaccrual
45
866
911
Total loans
$
26,825
44,562
84,332
103,236
24,936
266,053
7,350
$
557,294
Total current period gross charge-offs
$
34
57
26
1
151
269
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(In thousands)
 
Pass
 
Special
Mention
Substandard
Accruing
Nonaccrual
Total loans
December 31, 2022
Commercial and industrial
$
65,550
7
212
443
$
66,212
Construction and land development
66,479
66,479
Commercial real estate:
Owner occupied
60,726
238
161
61,125
Hotel/motel
33,378
33,378
Multifamily
41,084
41,084
Other
126,700
170
2,116
128,986
Total commercial real estate
261,888
408
161
2,116
264,573
Residential real estate:
Consumer mortgage
44,172
439
587
172
45,370
Investment property
51,987
43
248
52,278
Total residential real estate
96,159
482
835
172
97,648
Consumer installment
9,498
1
47
9,546
Total
$
499,574
898
1,255
2,731
$
504,458
Schedule Of Financing Receivables Non Accrual Status [Table Text Block]
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CECL
Incurred Loss
December 31, 2023
December 31, 2022
Nonaccrual
Nonaccrual
Total
Loans with
Loans with an
Nonaccrual
Nonaccrual
(Dollars in thousands)
No Allowance
Allowance
Loans
Loans
Commercial and industrial
$
$
443
Commercial real estate
783
783
2,116
Residential real estate
128
128
172
Total
 
$
783
128
911
$
2,731
Schedule Of Collateral Dependent Loans Individually Evaluated For ACL [Table Text Block]
 
 
 
 
 
 
 
 
(Dollars in thousands)
Real Estate
Total Loans
December 31, 2023:
Commercial real estate
$
783
$
783
Total
 
$
783
$
783
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 subsequent
 
to the loans being placed on nonaccrual status.
(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
Average recorded
Total interest
(In thousands)
investment
income recognized
Impaired loans:
Commercial and industrial
$
34
$
Commercial real estate:
Owner occupied
163
Other
153
Total commercial real estate
316
Residential real estate:
Investment property
5
Total residential real estate
5
Total
 
$
355
$