
	Loans Secured By Real Estate										Commercial and Industrial Loans				Consumer Loans
March 31, 2023	Construction				Single-family						Commercial
(dollars in thousands)	and Land		Farmland		Residential		Multi-family		Commercial		and Industrial		SBA Guaranty		Consumer		Automobile		Total

Balance, beginning of year	$	44	$	20	$	1,230	$	103	$	221	$	174	$	22	$	23	$	325	$	2,162
Charge-offs		—		—		—		—		—		—		—		—		(8)		(8)
Recoveries		—		—		—		—		—		—		—		—		49		49
Release (provision) for credit losses		(4)		(1)		(29)		(3)		(5)		110		(3)		(1)		(106)		(42)

Balance, end of quarter	$	40	$	19	$	1,201	$	100	$	216	$	284	$	19	$	22	$	260	$	2,161

Individually evaluated for impairment:
Balance in allowance	$	—	$	—	$	21	$	—	$	149	$	—	$	—	$	—	$	—	$	170
Related loan balance		—		—		33		—		299		—		—		—		—		332

Collectively evaluated for impairment:
Balance in allowance	$	40	$	19	$	1,180	$	100	$	67	$	284	$	19	$	22	$	260	$	1,991
Related loan balance		4,320		331		81,473		5,269		42,906		10,336		6,076		1,577		31,521		183,809


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

Balance, beginning of year	$	5	$	11	$	1,357	$	105	$	278	$	115	$	30	$	36	$	533	$	2,470
Charge-offs		—		—		—		—		—		(200)		(9)	-14	(14)		(169)		(392)
Recoveries		—		—		—		—		—		—		—		8		188		196
Release (provision) for credit losses		39		9		(127)		(2)		(57)		259		1		(7)		(227)		(112)

Balance, end of the year	$	44	$	20	$	1,230	$	103	$	221	$	174	$	22	23	23	$	325	$	2,162

Individually evaluated for impairment:
Balance in allowance	$	—	$	—	$	20	$	—	$	—	$	59	$	—	$	—	$	—	$	79
Related loan balance		—		—		34		—		—		300		—		—		—		334

Collectively evaluated for impairment:
Balance in allowance	$	44	$	20	$	1,210	$	103	$	221	$	115	$	22	$	23	$	325	$	2,083
Related loan balance		4,499		333		80,217		5,304		42,936		8,690		6,158		1,521		36,448		186,106


	Three Months Ended
	Ended March 31,
(dollars in thousands)	2023		2022
Beginning balance	$	477	$	371
Reduction of unfunded reserve		—		(17)
Provisions charged to operations		5		—

Ending balance	$	482	$	354


March 31, 2023			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		12		33		1		21		44
Multi-family		—		—		—		—		—
Commercial		—		—		—		—		—
Total loans secured by real estate		12		33		1		21		44
Commercial and Industrial
Commercial and industrial		150		299		—		149		499
SBA guaranty		—		—		—		—		—
Total commercial and industrial loans		150		299		—		149		499
Consumer Loans
Consumer		—		—		—		—		—
Automobile		—		—		—		—		—
Total consumer loans		—		—		—		—		—
Total impaired loans with specific reserves	$	162	$	332	$	1	$	170	$	543

Impaired loans with no specific reserve:
Loans Secured by Real Estate
Construction and land	$	—	$	—	$	—	$	n/a	$	—
Farmland		—		—		—		n/a		—
Single-family residential		78		78		1		n/a		89
Multi-family		—		—		—		n/a		—
Commercial		—		—		—		n/a		—
Total loans secured by real estate		78		78		1		—		89
Commercial and Industrial
Commercial and industrial		—		—		—		n/a		—
SBA guaranty		—		—		—		n/a		—
Total commercial and industrial loans		—		—		—		—		—
Consumer Loans
Consumer		—		—		—		n/a		—
Automobile		193		193		3		n/a		89
Total consumer loans		193		193		3		n/a		89
Total impaired loans with no specific reserve	$	271	$	271	$	4	$	—	$	178


December 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		14		34		2		20		48
Multi-family		—		—		—		—		—
Commercial		—		—		—		—		—
Total loans secured by real estate		14		34		2		20		48
Commercial and Industrial
Commercial and industrial		240		299		19		59		499
SBA guaranty		—		—		—		—		—
Total commercial and industrial loans		240		299		19		59		499
Consumer Loans
Consumer		—		—		—		—		—
Automobile		—		—		—		—		—
Total consumer loans		—		—		—		—		—
Total impaired loans with specific reserves	$	254	$	333	$	21	$	79	$	547

Impaired loans with no specific reserve:
Loans Secured by Real Estate
Construction and land	$	—	$	—	$	—	$	n/a	$	—
Farmland		—		—		—		n/a		—
Single-family residential		70		70		2		n/a		79
Multi-family		—		—		—		n/a		—
Commercial		—		—		—		n/a		—
Total loans secured by real estate		70		70		2		—		79
Commercial and Industrial
Commercial and industrial		—		—		—		n/a		—
SBA guaranty		—		—		—		n/a		—
Total commercial and industrial loans		—		—		—		—		—
Consumer Loans
Consumer		—		—		—		n/a		—
Automobile		85		85		6		n/a		107
Total consumer loans		85		85		6		n/a		107
Total impaired loans with no specific reserve	$	155	$	155	$	8	$	—	$	186


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

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


December 31, 2022	$	104	$	—	$	299	$	—	$	85	$	488
Transfers into nonaccrual		187		—		—		—		3		190
Loans paid down/payoffs		(191)		—		—		—		(11)		(202)
Loans returned to accrual status		—		—		—		—		—		—
Loans charged off		—		—		(3)		—		(5)		(8)

March 31, 2023	$	100	$	—	$	296	$	—	$	72	$	468