
	Loans Secured By Real Estate										Commercial and Industrial Loans						Consumer Loans
March 31, 2022	Construction				Single-family						Commercial				Commercial
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		SBA PPP		Consumer		Automobile		Total

Balance, beginning of year	$	5	$	11	$	1,357	$	105	$	278	$	115	$	30	$	—	$	36	$	533	$	2,470
Charge-offs		—		—		—		—		—		—		(9)		—		—		(55)		(64)
Recoveries		—		—		—		—		—		—		—		—		—		74		74
Release for credit losses		4		12		(47)		—		1		(18)		5		—		(1)		(56)		(100)

Balance, end of quarter	$	9	$	23	$	1,310	$	105	$	279	$	97	$	26	$	—	$	35	$	496	$	2,380

Individually evaluated for impairment:
Balance in allowance	$	—	$	—	$	11	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	11
Related loan balance		—		—		36		—		—		—		—		—		—		—		36

Collectively evaluated for impairment:
Balance in allowance	$	9	$	23	$	1,299	$	105	$	279	$	97	$	26	$	—	$	35	$	496	$	2,369
Related loan balance		3,496		341		78,178		5,402		48,016		9,027		6,322		485		1,998		50,951		204,216



	Loans Secured By Real Estate										Commercial and Industrial Loans						Consumer Loans
December 31, 2021	Construction				Single-family						Commercial				Commercial
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		SBA PPP		Consumer		Automobile		Total

Balance, beginning of year	$	9	$	2	$	513	$	39	$	218	$	67	$	48	$	—	$	11	$	569	$	1,476
Impact of ASC 326 adoption		16		9		854		63		199		120		(6)		—		46		273		1,574
Charge-offs		—		—		—		—		—		—		—		—		(2)		(251)		(253)
Recoveries		—		—		408		—		—		—		—		—		—		240		648
Release for credit losses		(20)		—		(418)		3		(139)		(72)		(12)		—		(19)		(298)		(975)

Balance, end of the year	$	5	$	11	$	1,357	$	105	$	278	$	115	$	30	$	—	$	36	$	533	$	2,470

Individually evaluated for impairment:
Balance in allowance	$	—	$	—	$	10	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	10
Related loan balance		—		—		36		—		—		—		—		—		—		—		36

Collectively evaluated for impairment:
Balance in allowance	$	5	$	11	$	1,347	$	105	$	278	$	115	$	30	$	—	$	36	$	533	$	2,460
Related loan balance		4,087		342		78,083		5,428		48,729		10,003		6,397		1,047		2,090		54,150		210,356


	Three Months Ended
	Ended March 31,
(dollars in thousands)	2022		2021
Beginning balance	$	371	$	33
Impact of ASC 326 adoption		—		457
Reduction of unfunded reserve		(17)		(12)
Provisions charged to operations		—		—

Ending balance	$	354	$	478


March 31, 2022			Unpaid		Interest				Average
(dollars in thousands)	Recorded		Principal		Income		Specific		Recorded
	Investment		Balance		Recognized		Reserve		Investment
Impaired loans with specific reserves:
Loans Secured by Real Estate
Construction and land	$	—	$	—	$	—	$	—	$	—
Farmland		—		—		—		—		—
Single-family residential		25		36		1		11		49
Multi-family		—		—		—		—		—
Commercial		—		—		—		—		—
Total loans secured by real estate		25		36		1		11		49
Commercial and Industrial
Commercial and industrial		—		—		—		—		—
SBA guaranty		—		—		—		—		—
Total commercial and industrial loans		—		—		—		—		—
Consumer Loans
Consumer		—		—		—		—		—
Automobile		—		—		—		—		—
Total consumer loans		—		—		—		—		—
Total impaired loans with specific reserves	$	25	$	36	$	1	$	11	$	49

Impaired loans with no specific reserve:
Loans Secured by Real Estate
Construction and land	$	—	$	—	$	—	$	n/a	$	—
Farmland		—		—		—		n/a		—
Single-family residential		46		46		0		n/a		51
Multi-family		—		—		—		n/a		—
Commercial		—		—		—		n/a		—
Total loans secured by real estate		46		46		0		—		51
Commercial and Industrial
Commercial and industrial		—		—		—		n/a		—
SBA guaranty		—		—		—		n/a		—
Total commercial and industrial loans		—		—		—		—		—
Consumer Loans
Consumer		—		—		—		n/a		—
Automobile		120		120		2		n/a		138
Total consumer loans		120		120		2		n/a		138
Total impaired loans with no specific reserve	$	166	$	166	$	2	$	—	$	189


December 31, 2021			Unpaid		Interest				Average
(dollars in thousands)	Recorded		Principal		Income		Specific		Recorded
	Investment		Balance		Recognized		Reserve		Investment
Impaired loans with specific reserves:
Loans Secured by Real Estate
Construction and land	$	—	$	—	$	—	$	—	$	—
Farmland		—		—		—		—		—
Single-family residential		26		36		2		10		49
Multi-family		—		—		—		—		—
Commercial		—		—		—		—		—
Total loans secured by real estate		26		36		2		10		49
Commercial and Industrial
Commercial and industrial		—		—		—		—		—
SBA guaranty		—		—		—		—		—
Total commercial and industrial loans		—		—		—		—		—
Consumer Loans
Consumer		—		—		—		—		—
Automobile		—		—		—		—		—
Total consumer loans		—		—		—		—		—
Total impaired loans with specific reserves	$	26	$	36	$	2	$	10	$	49

Impaired loans with no specific reserve:
Loans Secured by Real Estate
Construction and land	$	—	$	—	$	—	$	n/a	$	—
Farmland		—		—		—		n/a		—
Single-family residential		87		87		3		n/a		98
Multi-family		—		—		—		n/a		—
Commercial		—		—		—		n/a		—
Total loans secured by real estate		87		87		3		—		98
Commercial and Industrial
Commercial and industrial		—		—		—		n/a		—
SBA guaranty		71		71		1		n/a		71
Total commercial and industrial loans		71		71		1		—		71
Consumer Loans
Consumer		—		—		—		n/a		—
Automobile		143		143		8		n/a		181
Total consumer loans		143		143		8		n/a		181
Total impaired loans with no specific reserve	$	301	$	301	$	12	$	—	$	350


					Commercial and
	Loans Secured By Real Estate				Industrial Loans		Consumer Loans
	Single-family
(dollars in thousands)	Residential		Commercial		SBA Guaranty		Consumer		Automobile		Total

December 31, 2020	$	270	$	4,029	$	—	$	34	$	179	$	4,512
Transfers into nonaccrual		—		574		—		—		69		643
Loans paid down/payoffs		(133)		(437)		—		(1)		(27)		(598)
Loans returned to accrual status		—		—		—		(33)		—		(33)
Loans charged off		—		—		—		—		(82)		(82)

March 31, 2021	$	137	$	4,166	$	—	$	—	$	139	$	4,442


December 31, 2021	$	123	$	—	$	71	$	—	$	144	$	338
Transfers into nonaccrual		—		—		—		—		61		61
Loans paid down/payoffs		(41)		—		(61)		—		(46)		(148)
Loans returned to accrual status		—		—		—		—		—		—
Loans charged off		—		—		(10)		—		(39)		(49)

March 31, 2022	$	82	$	—	$	—	$	—	$	120	$	202