Citizens Holding (CIZN) 10-Q 15 May 23 2023 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2023	May 04, 2023
Document Information [Line Items]
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2023
Document Transition Report	false
Entity File Number	001-15375
Entity Registrant Name	CITIZENS HOLDING COMPANY
Entity Incorporation, State or Country Code	MS
Entity Tax Identification Number	64-0666512
Entity Address, Address Line One	521 Main Street
Entity Address, City or Town	Philadelphia
Entity Address, State or Province	MS
Entity Address, Postal Zip Code	39350
City Area Code	601
Local Phone Number	656-4692
Title of 12(b) Security	Common Stock, $0.20 par value
Trading Symbol	CIZN
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Emerging Growth Company	false
Entity Small Business	true
Entity Shell Company	false
Entity Common Stock, Shares Outstanding (in shares)		5,616,438
Entity Central Index Key	0001075706
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2023
Document Fiscal Period Focus	Q1
Amendment Flag	false

Consolidated Statements of Fina

Consolidated Statements of Financial Condition - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 15,600	$ 26,948
Interest bearing deposits with other banks	606	1,646
Cash and cash equivalents	16,206	28,594
Investment securities held-to-maturity, at amortized cost	402,237	406,590
Investment securities available-for-sale, at fair value	201,740	201,322
Loans held for investment (LHFI) (1)	567,240	585,591
Less allowance for credit losses (ACL), LHFI (1)	6,017	5,264
Net LHFI	561,223	580,327
Premises and equipment, net	27,561	27,705
Other real estate owned, net	1,179	1,179
Accrued interest receivable	4,562	4,864
Cash surrender value of life insurance	25,909	25,724
Deferred tax assets, net	29,091	29,574
Identifiable intangible assets, net	13,413	13,442
Other assets	6,349	4,682
Total Assets	1,289,470	1,324,003
Deposits:
Non-interest bearing deposits	288,466	299,112
Interest bearing deposits	827,360	827,290
Total deposits	1,115,826	1,126,402
Securities sold under agreement to repurchase	98,532	127,574
Short-term borrowings	1,725	0
Borrowings on secured line of credit	18,000	18,000
Deferred compensation payable	9,985	9,868
Other liabilities	4,279	3,134
Total liabilities	1,248,347	1,284,978
Shareholders' Equity
Common stock, $0.20 par value, 22,500,000 shares authorized, Issued and outstanding: 5,607,438 shares - March 31, 2023; 5,603,750 shares - December 31, 2022	1,122	1,122
Additional paid-in capital	18,488	18,448
Accumulated other comprehensive loss, net of tax benefit of $19,916 at March 31, 2023 and $20,726 at December 31, 2022	(79,822)	(83,070)
Retained earnings	101,335	102,525
Total shareholders' equity	41,123	39,025
Total liabilities and shareholders' equity	$ 1,289,470	$ 1,324,003

Consolidated Statements of Fi_2

Consolidated Statements of Financial Condition (Parentheticals) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Common Stock, Par or Stated Value Per Share (in dollars per share)	$ 0.20	$ 0.20
Common Stock, Shares Authorized (in shares)	22,500,000	22,500,000
Common Stock, Shares, Issued (in shares)	5,607,438	5,603,750
Common Stock, Shares, Outstanding, Ending Balance (in shares)	5,607,438	5,603,750
AOCI Tax, Attributable to Parent	$ 19,916		$ 20,726

Consolidated Statements of Inco

Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Interest Income
Interest and fees on loans	$ 7,323	$ 6,397
Interest on securities
Taxable	2,306	1,697
Nontaxable	1,065	947
Other interest	339	13
Total interest income	11,033	9,054
Interest Expense
Deposits	1,821	556
Other borrowed funds	1,534	211
Total interest expense	3,355	767
Net Interest Income	7,678	8,287
Provision for credit losses (PCL)	47	93
Net Interest Income After PCL	7,631	8,194
Other Income
Other operating income, net	412	563
Total other income	2,363	2,533
Other Expense
Salaries and employee benefits	4,695	4,439
Occupancy expense	1,845	1,775
Other expense	2,160	2,087
Total other expense	8,700	8,301
Income Before Income Taxes	1,294	2,426
Income taxes	154	390
Net Income	$ 1,140	$ 2,036
Earings Per Share
-Basic (in dollars per share)	$ 0.20	$ 0.36
-Diluted (in dollars per share)	0.20	0.36
Dividends Paid Per Share (in dollars per share)	$ 0.24	$ 0.24
Deposit Account [Member]
Other Income
Service charges on deposit accounts	$ 914	$ 945
Financial Service, Other [Member]
Other Income
Service charges on deposit accounts	$ 1,037	$ 1,025

Consolidated Statements of Comp

Consolidated Statements of Comprehensive (Loss) Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Net income	$ 1,140	$ 2,036
Other comprehensive income (loss)
Unrealized holding gains (losses) during the period	3,227	(58,204)
Income tax effect	(805)	14,522
Net unrealized gains (losses)	2,422	(43,682)
Amortization of net unrealized losses on securities transferred from AFS to HTM	1,101	0
Income tax effect	(275)	0
Net unrealized gains	826	0
Total other comprehensive income (loss)	3,248	(43,682)
Comprehensive income (loss)	$ 4,388	$ (41,646)

Consolidated Statements of Cash

Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Operating Activities
Net cash provided by operating activities	$ 1,310	$ 2,978
Investing Activities
Proceeds from maturities, paydowns and calls of securities available-for-sale	2,600	15,803
Proceeds from maturities, paydowns and calls of securities held-to-maturity	4,973	0
Purchases of investment securities	0	(43,886)
Purchases of bank premises and equipment	(179)	(250)
Net change in FHLB stock	317	717
Proceeds from sale of other real estate owned	0	1,078
Net change in loans	(18,464)	11,177
Net cash provided by (used in) investing activities	25,541	(39,149)
Financing Activities
Net change in deposits	(10,576)	37,688
Net change in securities sold under agreement to repurchase	(29,042)	(6,965)
Net change in short-term borrowings	1,725	0
Payment of dividends	1,346	1,343
Net cash (used in) provided by financing activities	(39,239)	29,380
Net decrease in cash and cash equivalents	(12,388)	(6,791)
Cash and cash equivalents, beginning of period	28,594	79,236
Cash and cash equivalents, end of period	$ 16,206	$ 72,445

Note 1 - Nature of Business and

Note 1 - Nature of Business and Summary of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Organization, Consolidation, Basis of Presentation, Business Description and Accounting Policies [Text Block]	Note 1. Nature of Business and Summary of Significant Accounting Policies (in thousands, except share and per share data) Nature of Business Citizens Holding Company (referred to herein as the “Company”) owns and operates The Citizens Bank of Philadelphia (the “Bank”). As a state bank, the Bank is subject to regulations of the Mississippi Department of Banking and Consumer Finance and the Federal Deposit Insurance Company. The Company is also subject to the regulations of the Federal Reserve. The area served by the Bank is east central Mississippi, along with southern and northern counties of Mississippi and their surrounding areas. Services are provided at multiple branch offices. Basis of Presentation These interim consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”). However, these interim consolidated financial statements do not include all of the information and footnotes required by GAAP for complete financial statements. The interim consolidated financial statements are unaudited and reflect all adjustments and reclassifications, which, in the opinion of management, are necessary for a fair presentation of the results of operations and financial condition as of and for the interim periods presented. All adjustments and reclassifications are of a normal and recurring nature. Results for the period ended March 31, 2023 are not necessarily indicative of the results that may be expected for any other interim period or for the year as a whole. The interim consolidated financial statements of the Company include the accounts of its wholly owned subsidiary, The Citizens Bank of Philadelphia. All significant intercompany transactions have been eliminated in consolidation. For further information and significant accounting policies of the Company, see the Notes to Consolidated Financial Statements of Citizens Holding Company included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2022, filed with the Securities and Exchange Commission on March 16, 2023. Estimates The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Estimates that are particularly susceptible to significant change relate to the determination of the allowance for credit losses (“ACL”) and the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans, or other real estate owned (“OREO”). In connection with the determination of the ACL and valuation of foreclosed real estate, management obtains independent appraisals for significant properties. While management uses available information to recognize losses on loans and to value foreclosed real estate, future additions to the allowance or adjustments to the valuation may be necessary based on changes in local economic conditions. In addition, regulatory agencies, as an integral part of their examination process, periodically review the Company’s ACL and valuations of foreclosed real estate. Such agencies may require the Company to recognize additions to the allowance or to make adjustments to the valuation based on their judgments about information available to them at the time of their examination. Due to these factors, it is reasonably possible that the ACL and valuation of foreclosed real estate may change materially in the near term. Impact of Recently-Issued Accounting Standards and Pronouncements: In June 2016, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2016-13, “ Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments Financial Instruments - Credit Losses The Company adopted ASU 2016-13 and all related subsequent amendments thereto effective January 1, 2023 using the modified retrospective approach for all financial assets measured at amortized cost and off-balance sheet credit exposures. To implement CECL, entities are required to apply a cumulative-effect adjustment to retained earnings as of the beginning of the fiscal year of adoption. The Company recorded a one-time cumulative-effect adjustment as disclosed in the table below. December 31, 2022 Impact of FASB ASU January 1, 2023 (as reported) 2016-13 Adoption (adjusted) Assets: ACL $ (5,264 ) $ (634 ) $ (5,898 ) Deferred tax assets, net 29,574 327 29,901 Liabilities: ACL on off-balance sheet exposures - 677 677 Shareholders' equity: Retained earnings $ 102,525 $ (984 ) $ 101,541 Additionally, the Company made an accounting policy election to exclude accrued interest receivable from the amortized cost basis of loans and thus the measurement of the ACL in the Company’s loan portfolio. Accrued interest receivable on loans is reported as a component of accrued interest receivable on the Consolidated Balance Sheets and totaled $1,935 and $1,981 at March 31, 2023 and December 31, 2022, respectively, and is excluded from estimated credit losses.

Note 2 - Commitments and Contin

Note 2 - Commitments and Contingent Liabilities	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	Note 2. Commitments and Contingent Liabilities (in thousands) In the ordinary course of business, the Company enters into commitments to extend credit to its customers. The unused portion of these commitments is not reflected in the accompanying financial statements. As of March 31, 2023, the Company had entered into loan commitments with certain customers with an aggregate unused balance of $71,563 compared to an aggregate unused balance of $75,602 at December 31, 2022. There were $3,488 of letters of credit outstanding at March 31, 2023 and $5,438 at December 31, 2022. The fair value of such commitments is not considered material because letters of credit and loan commitments often are not used in their entirety, if at all, before they expire. The balances of such letters and commitments should not be used to project actual future liquidity requirements. However, the Company does incorporate expectations about the utilization under its credit-related commitments into its asset and liability management program. The Company is a party to lawsuits and other claims that arise in the ordinary course of business, all of which are being vigorously contested. In the regular course of business, management evaluates estimated losses or costs related to litigation, and provisions are made for anticipated losses whenever management believes that such losses are probable and can be reasonably estimated. At the present time, management believes, based on the advice of legal counsel, that the final resolution of pending legal proceedings will not likely have a material impact on the Company’s consolidated financial condition or results of operations.

Note 3 - Net Income per Share

Note 3 - Net Income per Share	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Earnings Per Share [Text Block]	Note 3. Net Income per Share (in thousands, except share and per share data) Net income per share - basic has been computed based on the weighted average number of shares outstanding during each period. Net income per share - diluted has been computed based on the weighted average number of shares outstanding during each period plus the dilutive effect of outstanding stock options and restricted stock using the treasury stock method. Net income per share was computed as follows: For the Three Months Ended March 31, 2023 2022 Basic weighted average shares outstanding 5,595,320 5,587,070 Dilutive effect of granted options - - Diluted weighted average shares outstanding 5,595,320 5,587,070 Net income $ 1,140 $ 2,036 Net income per share-basic $ 0.20 $ 0.36 Net income per share-diluted $ 0.20 $ 0.36

Note 4 - Equity Compensation Pl

Note 4 - Equity Compensation Plans	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Share-Based Payment Arrangement [Text Block]	Note 4. Equity Compensation Plans (in thousands, except per share data) The Company has adopted the 2013 Incentive Compensation Plan (the “2013 Plan”), which the Company intends to use for future equity grants to employees, directors or consultants until the termination or expiration of the 2013 Plan. No During 2022, the Company’s directors received restricted stock grants totaling 8,250 shares of common stock under the 2013 Plan. These grants vest over a one-year one-year During 2023, the Company’s Chief Executive Officer (“CEO”) received restricted stock grants totaling 3,868 shares of common stock under the 2013 Plan. These grants vest over a four-year

Note 5 - Income Taxes

Note 5 - Income Taxes	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Income Tax Disclosure [Text Block]	Note 5. Income Taxes (in thousands) For the three months ended March 31, 2023 and 2022, the Company recorded a provision for income taxes totaling $154 and $390, respectively. The effective tax rate was 11.90% and 16.08% for the three months ended March 31, 2023 and 2022, respectively. The provision for income taxes includes both federal and state income taxes and differs from the statutory rate due to favorable permanent differences primarily related to tax free municipal investments.

Note 6 - Securities Available-f

Note 6 - Securities Available-for-Sale and Held-to-Maturity	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 6. Securities Available-for-Sale and Held-to-Maturity (in thousands) The amortized cost and estimated fair value of securities available-for-sale and the corresponding amounts of gross unrealized gains and losses recognized were as follows: Gross Gross March 31, 2023 Amortized Unrealized Unrealized Estimated Cost Gains Losses Fair Value Securities available-for-sale Mortgage backed securities $ 104,478 $ 6 $ 8,948 $ 95,536 State, County, Municipals 134,667 24 28,930 105,761 Other securities 500 $ - $ 57 $ 443 Total $ 239,645 $ 30 $ 37,935 $ 201,740 Gross Gross December 31, 2022 Amortized Unrealized Unrealized Estimated Cost Gains Losses Fair Value Securities available-for-sale Mortgage backed securities $ 107,055 $ - $ 10,083 $ 96,972 State, County, Municipals 134,906 - 30,993 103,913 Other securities 500 - 63 437 Total $ 242,461 $ - $ 41,139 $ 201,322 The amortized cost and estimated fair value of securities held-to-maturity and the corresponding amounts of gross unrealized gains and losses recognized were as follows: Gross Gross March 31, 2023 Amortized Unrealized Unrealized Estimated Cost Gains Losses Fair Value Securities held-to-maturity Obligations of U.S. Government agencies $ 4,018 $ - $ 364 $ 3,654 Mortgage backed securities 305,356 - 21,219 284,137 State, County, Municipals 92,863 - 4,702 88,161 Total $ 402,237 $ - $ 26,285 $ 375,952 Gross Gross December 31, 2022 Amortized Unrealized Unrealized Estimated Cost Gains Losses Fair Value Securities held-to-maturity Obligations of U.S. Government agencies $ 4,002 $ - $ 367 $ 3,635 Mortgage backed securities 309,748 - 24,654 285,094 State, County, Municipals 92,840 - 6,277 86,563 Total $ 406,590 $ - $ 31,298 $ 375,292 During the third quarter of 2022, the Company reclassified $413,921 of securities available-for-sale to securities held-to-maturity. At the date of this transfer, the net unrealized holding loss on the transferred securities totaled approximately $71,319 ($53,525 net of tax). The securities were transferred at fair value, which became the cost basis for the securities held-to-maturity. The net unrealized holding loss is amortized over the remaining life of the securities in a manner consistent with the amortization or accretion of the original purchase premium or discount on the associated security. There were no ACL on Securities ASU 2016-13 applies to all financial instruments carried at amortized cost, including securities held-to-maturity, and makes targeted improvements to the accounting for credit losses on securities available-for-sale. Under ASU 2016-13, the allowance for credit losses is an estimate measured using relevant information about past events, including historical credit loss experience on financial assets with similar risk characteristics, current conditions, and reasonable and supportable forecasts that affect the collectability of the remaining cash flows over the contractual term of the financial assets. In order to comply with ASU 2016-13, the Company conducted a review of its investment portfolio and determined that for certain classes of securities it would be appropriate to assume the expected credit loss to be zero ● High credit rating ● Long history with no credit losses ● Guaranteed by a sovereign entity ● Widely recognized as “risk-free rate” ● Can print its own currency The Company will continuously monitor any changes in economic conditions, credit downgrades, changes to explicit or implicit guarantees granted to certain debt issuers, and any other relevant information that would indicate potential credit deterioration and prompt the Company to reconsider its zero-credit loss assumption. At the date of adoption, the Company’s estimated allowance for credit losses on securities available-for-sale and held-to-maturity under ASU 2016-13 was deemed immaterial due to the composition of these portfolios. Both portfolios consist primarily of U.S. government agency guaranteed mortgage-backed securities for which the risk of loss is minimal. Therefore, the Company did not recognize a cumulative effect adjustment through retained earnings related to the available-for-sale or held-to-maturity securities. Securities Available-for-Sale ASU 2016-13 makes targeted improvements to the accounting for credit losses on securities available-for-sale. The concept of other-than-temporarily impaired has been replaced with the allowance for credit losses. Unlike securities held-to-maturity, securities available-for-sale are evaluated on an individual level and pooling of securities is not allowed. Quarterly, the Company evaluates if any security has a fair value less than its amortized cost. Once these securities are identified, in order to determine whether a decline in fair value resulted from a credit loss or other factors, the Company performs further analysis to ensure that the changes in unrealized losses are, in fact, temporary in nature by correlating the changes to the yield curve movement. Should it be determined that a credit loss exists, the credit portion of the allowance will be measured using a discounted cash flow (“DCF”) analysis using the effective interest rate as of the security’s purchase date. The amount of credit loss the Company records will be limited to the amount by which the amortized cost exceeds the fair value. The DCF analysis utilizes contractual maturities, as well as third-party credit ratings and cumulative default rates published annually by Moody’s Investor Service. At March 31, 2023, the results of the analysis did not identify any available-for-sale securities that violate the credit loss triggers; therefore, no DCF analysis was performed and no credit loss was recognized on any of the securities available-for-sale. Securities Held-to-Maturity ASU 2016-13 requires institutions to measure expected credit losses on financial assets carried at amortized cost on a collective or pool basis when similar risks exist. The Company uses several levels of segmentation in order to measure expected credit losses: ● The portfolio is segmented into agency and non-agency securities. ● The non-agency securities consists primarily of municipal securities. Each individual segment is categorized by third-party credit ratings. As discussed above, the Company has determined that for certain classes of securities it would be appropriate to assume the expected credit loss to be zero At March 31, 2023, the Company’s securities held-to-maturity totaled $402,237. The potential credit loss exposure was $92,863 and consisted of municipal securities. After applying appropriate probability of default and loss given default assumptions, the total amount of current expected credit losses was deemed immaterial. Therefore, no reserve was recorded at March 31, 2023. At March 31, 2023, the Company had no no The Company monitors the credit quality of municipal securities held-to-maturity on a quarterly basis through credit ratings. The following table presents the amortized cost of the Company’s securities held-to-maturity by credit rating, as determined by Moody’s Investor Services, at March 31, 2023 and December 31, 2022: March 31, 2023 December 31, 2022 Aaa $ 16,791 $ 18,096 Aa1 to Aa3 41,492 40,174 Not Rated (1) 34,580 34,570 $ 92,863 $ 92,840 (1) Not rated securities were municipals that did not have a current Moody s rating as of the dates reported above. However, all not rated securities are investment grade and are rated between AAA and AA- by Standard and Poor s rating agency. The tables below show the Company’s gross unrealized losses and fair value of available-for-sale and held-to-maturity investments for which an ACL has not been recorded, aggregated by investment category and length of impairment at March 31, 2023 and December 31, 2022. March 31, 2023 Available-for-sale Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses Mortgage backed securities $ 55,492 $ 1,878 $ 36,256 $ 7,070 $ 91,748 $ 8,948 State, County, Municipal 16,842 466 87,008 28,464 103,850 28,930 Other securities - - 443 57 443 57 Total $ 72,334 $ 2,344 $ 123,707 $ 35,591 $ 196,041 $ 37,935 Held-to-maturity Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses Obligations of U.S. government agencies $ - $ - $ 3,654 $ 364 $ 3,654 $ 364 Mortgage backed securities - - 284,137 21,219 284,137 21,219 State, County, Municipal - - 88,161 4,702 88,161 4,702 Total $ - $ - $ 375,952 $ 26,285 $ 375,952 $ 26,285 December 31, 2022 Available-for-sale Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses Mortgage backed securities $ 70,652 $ 3,838 $ 26,320 $ 6,245 $ 96,972 $ 10,083 State, County, Municipal 45,200 9,027 58,713 21,966 103,913 30,993 Other securities - - 437 63 437 63 Total $ 115,852 $ 12,865 $ 85,470 $ 28,274 $ 201,322 $ 41,139 Held-to-maturity Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses Obligations of U.S. government agencies $ - $ - $ 3,635 $ 367 $ 3,635 $ 367 Mortgage backed securities 17,882 1,332 267,212 23,322 285,094 24,654 State, County, Municipal 15,059 781 71,504 5,496 86,563 6,277 Total $ 32,941 $ 2,113 $ 342,351 $ 29,185 $ 375,292 $ 31,298 The unrealized losses shown above are due to increases in market rates over the yields available at the time of purchase of the underlying securities and not credit quality. The Company does not intend to sell these securities and it is more likely than not that the Company will not be required to sell the investments before recovery of their amortized cost bases, which may be at maturity. Contractual Maturities The amortized cost and estimated fair value of securities by contractual maturity at March 31, 2023 are shown below. Actual maturities may differ from contractual maturities because issuers have the right to call or prepay certain obligations. Available-for-sale Held-to-maturity Amortized Estimated Amortized Estimated Cost Fair Value Cost Fair Value Due in one year or less $ 720 $ 663 $ - $ - Due after one year through five years 3,155 3,076 - - Due after five years through ten years 5,275 5,008 - - Due after ten years 126,017 97,457 96,881 91,815 Residential mortgage backed securities 91,827 83,144 246,433 229,613 Commercial mortgage backed securities 12,651 12,392 58,923 54,524 Total $ 239,645 $ 201,740 $ 402,237 $ 375,952 Securities Pledged At March 31, 2023 and December 31, 2022, securities with a carrying value of $462,291 and $462,954, respectively, were pledged to secure government and public deposits and securities sold under agreement to repurchase.

Note 7- LHFL and ACL

Note 7- LHFL and ACL	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	Note 7. LHFI and ACL (in thousands, except number of loans) The composition of LHFI at March 31, 2023 and December 31, 2022 was as follows: March 31, 2023 December 31, 2022 Loans secured by real estate: Land Development and Construction $ 53,528 $ 52,731 Farmland 11,423 11,437 1-4 Family Mortgages 93,480 92,148 Commercial Real Estate 312,276 316,541 Total Real Estate Loans 470,707 472,857 Business Loans: Commercial and Industrial Loans 80,207 96,500 Farm Production and Other Farm Loans 474 504 Total Business Loans 80,681 97,004 Consumer Loans: Consumer Loans 13,072 12,992 Credit Cards 2,780 2,738 Total Consumer Loans 15,852 15,730 Gross LHFI 567,240 585,591 Less Allowance for credit losses (6,017 ) (5,264 ) Net LHFI $ 561,223 $ 580,327 Nonaccrual and Past Due LHFI The amortized cost basis of period-end, nonaccrual and past due LHFI, segregated by class, were as follows: Nonaccrual With No Allowance for Credit Loss Nonaccrual Loans Past Due 90 Days or More Still Accruing March 31, 2023 Loans secured by real estate: Land Development and Construction $ - $ 2 $ - Farmland 28 108 - 1-4 Family Mortgages 184 1,712 - Commercial Real Estate 691 825 - Total Real Estate Loansg 903 2,647 - Business Loans: Commercial and Industrial Loans 196 307 - Farm Production and Other Farm Loans - - - Total Business Loans 196 307 - Consumer Loans: Consumer Loans - 39 - Credit Cards - - 5 Total Consumer Loans - 39 5 Total $ 1,099 $ 2,993 $ 5 The following disclosures are presented under GAAP in effect prior to the adoption of CECL. The Company has included these disclosures to address the applicable prior period. Nonaccrual Loans Past Due 90 Days or More Still Accruing December 31, 2022 Loans secured by real estate: Land Development and Construction $ - $ 4 Farmland 117 - 1-4 Family Mortgages 1,720 - Commercial Real Estate 846 95 Total Real Estate Loans 2,683 99 Business Loans: Commercial and Industrial Loans 281 - Farm Production and Other Farm Loans - - Total Business Loans 281 - Consumer Loans: Consumer Loans 24 - Credit Cards - 12 Total Consumer Loans 24 12 Total $ 2,988 $ 111 No material interest income was recognized in the income statement on nonaccrual LHFI for each of the periods ended March 31, 2023 and 2022. An aging analysis of the amortized cost basis of LHFI (including nonaccrual LHFI), segregated by class, was as follows: March 31, 2023 30 - 89 Days Past Due Greater Than 89 Days Past Due Total Past Due Current Loans Total Loans secured by real estate: Land Development and Construction $ 250 $ - $ 250 $ 53,278 $ 53,528 Farmland 233 - 233 11,190 11,423 1-4 Family Mortgages 1,527 216 1,743 91,737 93,480 Commercial Real Estate 640 504 1,144 311,132 312,276 Total Real Estate Loans 2,650 720 3,370 467,337 470,707 Business Loans: Commercial and Industrial Loans 271 266 537 79,670 80,207 Farm Production and Other Farm Loans - - - 474 474 Total Business Loans 271 266 537 80,144 80,681 Consumer Loans: Consumer Loans 126 - 126 12,946 13,072 Credit Cards 60 5 65 2,715 2,780 Total Consumer Loans 186 5 191 15,661 15,852 Total $ 3,107 $ 991 $ 4,098 $ 563,142 $ 567,240 December 31, 2022 30 - 89 Days Past Due Greater Than 89 Days Past Due Total Past Due Current Loans Total Loans secured by real estate: Land Development and Construction $ - $ 4 $ 4 $ 52,727 $ 52,731 Farmland 38 30 68 11,369 11,437 1-4 Family Mortgages 1,799 439 2,238 89,910 92,148 Commercial Real Estate 933 486 1,419 315,122 316,541 Total Real Estate Loans 2,770 959 3,729 469,128 472,857 Business Loans: Commercial and Industrial Loans 109 277 386 96,114 96,500 Farm Production and Other Farm Loans 4 - 4 500 504 Total Business Loans 113 277 390 96,614 97,004 Consumer Loans: Consumer Loans 66 23 89 12,903 12,992 Credit Cards 56 12 68 2,670 2,738 Total Consumer Loans 122 35 157 15,573 15,730 Total $ 3,005 $ 1,271 $ 4,276 $ 581,315 $ 585,591 Impaired LHFI Prior to the adoption of FASB ASC Topic 326, the Company’s individually evaluated impaired LHFI included all commercial substandard relationships of $100 or more, which were specifically reviewed for impairment and deemed impaired, and all LHFI classified as troubled-debt restructurings (“TDRs”) in accordance with FASB ASC Subtopic 310-10-50-20 “Impaired Loans.” Once a LHFI was deemed to be impaired, the full difference between book value and the most likely estimate of the collateral’s net realizable value was charged off or a specific reserve was established. No material interest income was recognized in the income statement on impaired LHFI for the period ended March 31, 2022. The following disclosures are presented under GAAP in effect prior to the adoption of CECL that are no longer applicable or required. The Company has included these disclosures to address the applicable prior periods. Loans formerly accounted for under FASB ASC 310-20, “Nonrefundable Fees and Other Cost” (“ASC 310-20”), and which are impaired loans recognized in conformity with ASC 310, “Receivables” (“ASC 310”), segregated by class, were as follows as of December 31, 2022: Recorded Recorded Unpaid Investment Investment Total Average Principal With No With Recorded Related Recorded Balance Allowance Allowance Investment Allowance Investment Real Estate: Land Development and Construction $ - $ - $ - $ - $ - $ 86 Farmland 30 30 - 30 - 32 1-4 Family Mortgages 190 190 - 190 - 479 Commercial Real Estate 3,023 795 2,066 2,861 116 1,996 Total Real Estate Loans 3,243 1,015 2,066 3,081 116 $ 2,593 Business Loans: Commercial and Industrial Loans 304 196 - 196 - $ 214 Total Business Loans 304 196 - 196 - $ 214 Total Loans $ 3,547 $ 1,211 $ 2,066 $ 3,277 $ 116 $ 2,807 Loan Modifications The Company adopted ASU 2022-02, Financial Instruments-Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures on January 1, 2023. The amendments in this ASU were applied prospectively, and therefore, loan modification and charge off information is provided only for those items occurring after the January 1, 2023 adoption date. Based on the guidance in ASU 2022-02, a loan modification or refinancing results in a new loan if the terms of the new loan are at least as favorable to the lender as the terms with customers with similar collection risks that are not refinancing or restructuring their loans and the modification to the terms of the loans are more than minor. If a loan modification or refinancing does not result in a new loan, it is classified as a loan modification. There are additional disclosures for the modification of loans with borrowers experiencing financial difficulty that results in a direct change in the timing or amount of contractual cash flows. The disclosures are applicable to situations where there is principal forgiveness, interest rate reductions, other-than-insignificant payment delays, term extensions or a combination of any of these terms. If the Company modifies any loans to borrowers in financial distress that involves principal forgiveness, the amount of principal forgiven is charged off against the ACL. The Company had no loan modifications to borrowers experiencing financial difficulties in the first quarter of 2023. At March 31, 2023, LHFI classified as modified loans totaled $2,050. At March 31, 2023, modified loans were primarily comprised of interest rate concessions. The Company had $-0- thousand in unused commitments on modified loans at March 31, 2023. The allocated ACL attributable to modified loans was $100 at March 31, 2023. The Company had no There were no At March 31, 2023 and December 31, 2022, the amortized cost of loans secured by Real Estate – 1-4 Family Mortgage in the process of foreclosure was $-0- and $-0-, respectively. Collateral-Dependent Loans The following tables present the amortized cost basis of collateral-dependent loans by class of loans and collateral type as of March 31, 2023: March 31, 2023 Inventory Real Estate Receivables Total Loans secured by real estate: Land Development and Construction $ - $ - $ - $ - Farmland - 28 - 28 1-4 Family Mortgages - 184 - 184 Commercial Real Estate - 2,741 - 2,741 Total Real Estate Loans - 2,953 - 2,953 Business Loans: Commercial and Industrial Loans 92 - 104 196 Farm Production and Other Farm Loans - - - - Total Business Loans 92 - 104 196 Total $ 92 $ 2,953 $ 104 $ 3,149 A loan is collateral dependent when the borrower is experiencing financial difficulty and repayment of the loan is expected to be provided substantially through the sale of the collateral. The following provides a qualitative description by class of loan of the collateral that secures the Company’s collateral-dependent LHFI: ● Loans secured by real estate – Loans within these loan classes are secured by liens on real estate properties. There have been no significant changes to the collateral that secures these financial assets during the period. ● Business loans – Loans within this loan class are primarily secured by inventory, accounts receivables, equipment and other non-real estate collateral. There have been no significant changes to the collateral that secures these financial assets during the period. Credit Quality Indicators The Company utilizes a risk grading matrix to assign a risk grade to each of its loans when originated and is updated as factors related to the strength of the loan changes. Loans are graded on a scale of 1 to 9. A description of the general characteristics of the 9 risk grades is as follows. Grade 1. MINIMAL RISK - These loans are without loss exposure to the Company. This classification is reserved for only the best, well secured loans to borrowers with significant capital strength, low leverage, stable earnings and growth and other readily available financing alternatives. This type of loan would also include loans secured by a program of the government. Grade 2. MODEST RISK - These loans include borrowers with solid credit quality and moderate risk of loss. These loans may be fully secured by certificates of deposit with another reputable financial institution or secured by readily marketable securities with acceptable margins. Grade 3. AVERAGE RISK - This is the rating assigned to most of the loans held by the Company. This includes loans with average loss exposure and average overall quality. These loans should liquidate through possessing adequate collateral and adequate earnings of the borrower. In addition, these loans are properly documented and are in accordance with all aspects of the current loan policy. Grade 4. ACCEPTABLE RISK - Borrower generates sufficient cash flow to fund debt service but most working asset and capital expansion needs are provided from external sources. Profitability and key balance sheet ratios are usually close to peers but one or more may not align with peers. Grade 5. MANAGEMENT ATTENTION - Borrower has potential weaknesses resulting from performance trends or management concerns. The financial condition of the borrower has taken a negative turn and may be temporarily strained. Cash flow is weak but cash reserves remain adequate to meet debt service. Management weakness is evident. Grade 6. OTHER LOANS ESPECIALLY MENTIONED (“OLEM”) - Loans in this category are fundamentally sound but possess some weaknesses. OLEM loans have weaknesses, which may, if not checked or corrected, weaken the asset or inadequately protect the Bank's credit position at some future date. These loans have an identifiable weakness in credit, collateral, or repayment ability but there is no expectation of loss. Grade 7. SUBSTANDARD ASSETS - Assets classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Assets classified as substandard must have a well-defined weakness based upon objective evidence. Assets classified as substandard are characterized by the distinct possibility that the insured institution will sustain some loss if the deficiencies are not corrected. The possibility that liquidation would not be timely requires a substandard classification even if there is little likelihood of total loss. Grade 8. DOUBTFUL - A loan classified as doubtful has all the weaknesses of a substandard classification and the added characteristic that the weakness makes collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable or improbable. The possibility of loss is extremely high, but because of certain important and reasonable specific pending factors that may work to the advantage and strengthening of the asset, its classification as an estimated loss is deferred until its more exact status may be determined. A doubtful classification could reflect the fact that the primary source of repayment is gone and serious doubt exists as to the quality of a secondary source of repayment. Grade 9. LOSS - Loans classified loss are considered uncollectible and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this basically worthless asset even though partial recovery may occur in the future. Also included in this classification is the defined loss portion of loans rated substandard assets and doubtful assets. These internally assigned grades are updated on a continual basis throughout the course of the year and represent management’s most updated judgment regarding grades at March 31, 2023. The following table details the amortized cost basis of LHFI, segregated by loan origination year, grade and class, as of March 31, 2023: Term Loans Amortized Cost Basis by Origination Year March 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Total Loans Loans secured by real estate: Land Development and Construction Satisfactory - Categories 1-4 $ 2,496 $ 7,876 $ 6,566 $ 7,982 $ 950 $ 1,167 $ 24,425 $ 51,462 Special Mention - Category 5 & 6 - 1,104 679 - - - - 1,783 Substandard - Category 7 - 279 - - - 4 - 283 Doubtful - Category 8 - - - - - - - - Loss 9 - - - - - - - - Total Land Development and Construction 2,496 9,259 7,245 7,982 950 1,171 24,425 53,528 Farmland Satisfactory - Categories 1-4 315 1,830 1,443 2,066 3,253 1,222 885 11,014 Special Mention - Category 5 & 6 - - 88 - 138 38 - 264 Substandard - Category 7 - 37 17 11 29 51 - 145 Doubtful - Category 8 - - - - - - - - Loss 9 - - - - - - - - Total Farmland 315 1,867 1,548 2,077 3,420 1,311 885 11,423 1-4 Family Mortgages Satisfactory - Categories 1-4 4,356 20,671 12,882 12,645 11,051 9,529 16,911 88,045 Special Mention - Category 5 & 6 - 198 46 135 305 984 176 1,844 Substandard - Category 7 - 37 288 378 137 2,340 411 3,591 Doubtful - Category 8 - - - - - - - - Loss 9 - - - - - - - - Total 1-4 Family Mortgages 4,356 20,906 13,216 13,158 11,493 12,853 17,498 93,480 Commercial Real Estate Satisfactory - Categories 1-4 4,719 53,935 61,039 56,352 42,180 36,853 16,612 271,690 Special Mention - Category 5 & 6 66 2,493 2,285 1,073 1,487 463 - 7,867 Substandard - Category 7 - 187 3,758 2,805 269 25,700 - 32,719 Doubtful - Category 8 - - - - - - - - Loss 9 - - - - - - - - Total Commercial Real Estate 4,785 56,615 67,082 60,230 43,936 63,016 16,612 312,276 Total Real Estate Loans 11,952 88,647 89,091 83,447 59,799 78,351 59,420 470,707 Business Loans: Commercial and Industrial Loans Satisfactory - Categories 1-4 1,706 24,185 5,629 14,380 6,906 11,748 10,546 75,100 Special Mention - Category 5 & 6 - 133 - 337 8 1,368 2,811 4,657 Substandard - Category 7 - 3 55 - 59 261 72 450 Doubtful - Category 8 - - - - - - - - Loss 9 - - - - - - - - Total Commercial & Industrial Loans 1,706 24,321 5,684 14,717 6,973 13,377 13,429 80,207 Farm Production and Other Farm Loans Satisfactory - Categories 1-4 - 272 - 9 - 92 91 464 Special Mention - Category 5 & 6 - - - - - - - - Substandard - Category 7 - - 7 - - 3 - 10 Doubtful - Category 8 - - - - - - - - Loss 9 - - - - - - - - Total Farm Production & Other Farm Loans - 272 7 9 - 95 91 474 Total Business Loans 1,706 24,593 5,691 14,726 6,973 13,472 13,520 80,681 Consumer Loans: Satisfactory - Categories 1-4 2,158 5,697 2,454 946 962 317 240 12,774 Special Mention - Category 5 & 6 - - - - - 4 - 4 Substandard - Category 7 238 24 27 3 1 1 - 294 Doubtful - Category 8 - - - - - - - - Loss 9 - - - - - - - - Total Consumer Loans 2,396 5,721 2,481 949 963 322 240 13,072 Credit Cards Performing - - - - - - 2,775 2,775 Nonperforming - - - - - - 5 5 Total Credit Card - - - - - - 2,780 2,780 Gross LHFI $ 16,054 $ 118,961 $ 97,263 $ 99,122 $ 67,735 $ 92,145 $ 75,960 $ 567,240 Less ACL (6,017 ) Net LHFI $ 561,223 There were no revolving loans converted to term loans during the three months ended March 31, 2023. The following disclosures are presented under GAAP in effect prior to the adoption of CECL. The Company has included these disclosures to address the applicable prior period. A discussion of the Company’s policies regarding internal risk-rating of loans is discussed above and is applicable to these tables. The following table presents the Company’s loan portfolio by internal risk-rating grades as of December 31, 2022: Special Satisfactory Mention Substandard Doubtful Loss Total 1,2,3,4 5,6 7 8 9 Loans Real Estate: Land Development and Construction $ 50,015 $ 2,427 $ 289 $ - $ - $ 52,731 Farmland 10,832 269 336 - - 11,437 1-4 Family Mortgages 85,861 1,816 4,471 - - 92,148 Commercial Real Estate 274,901 7,975 33,665 - - 316,541 Total Real Estate Loans 421,609 12,487 38,761 - - 472,857 Business Loans: Commercial and Industrial Loans 91,016 4,902 577 - 5 96,500 Farm Production and Other Farm Loans 491 - 13 - - 504 Total Business Loans 91,507 4,902 590 - 5 97,004 Consumer Loans: Credit Cards 2,670 - 68 - - 2,738 Other Consumer Loans 12,934 7 51 - - 12,992 Total Consumer Loans 15,604 7 119 - - 15,730 Total Loans $ 528,720 $ 17,396 $ 39,470 $ - $ 5 $ 585,591

Note 8 - ACL on LHFI

Note 8 - ACL on LHFI	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Allowance for Credit Losses [Text Block]	Note 8. ACL on LHFI The Company’s ACL methodology for LHFI is based upon guidance within ASC Subtopic 326-20 as well as applicable regulatory guidance. The ACL is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Credit quality within the LHFI portfolio is continuously monitored by Management and is reflected within the ACL for loans. The ACL is an estimate of expected losses inherent within the Company’s existing LHFI portfolio. The ACL for LHFI is adjusted through the PCL, LHFI and reduced by the charge off of loan amounts, net of recoveries. The methodology for estimating the amount of expected credit losses reported in the ACL has two basic components: a collective, or pooled, component for estimated expected credit losses for pools of loans that share similar risk characteristics, and an asset-specific component involving individual loans that do not share risk characteristics with other loans and the measurement of expected credit losses for such individual loans. In estimating the ACL for the collective component, loans are segregated into loan pools based on loan product types and similar risk characteristics. The loans secured by real estate segment includes loans for both commercial and residential properties. The underwriting process for these loans includes analysis of the financial position and strength of both the borrower and guarantor, experience with similar projects in the past, market demand and prospects for successful completion of the proposed project within the established budget and schedule, values of underlying collateral, availability of permanent financing, maximum loan-to-value ratios, minimum equity requirements, acceptable amortization periods and minimum debt service coverage requirements, based on property type. The borrower’s financial strength and capacity to repay their obligations remain the primary focus of underwriting. Financial strength is evaluated based upon analytical tools that consider historical and projected cash flows and performance in addition to a financial analysis of any proposed project. Additional support offered by guarantors is also considered. Ultimate repayment of these loans is sensitive to interest rate changes, general economic conditions, liquidity and availability of long-term financing. The business loan segment includes loans within the Company’s geographic markets made to many types of businesses for various purposes, such as short term working capital loans that are usually secured by accounts receivable and inventory and term financing for equipment and fixed asset purchases that are secured by those assets. The Company’s credit underwriting process for commercial and industrial loans includes analysis of historical and projected cash flows and performance, evaluation of financial strength of both borrowers and guarantors as reflected in current and detailed financial information and evaluation of underlying collateral to support the credit. The consumer LHFI portfolio segment is comprised of loans that are centrally underwritten based on a credit scoring system as well as an evaluation of the borrower’s repayment capacity, credit, and collateral. Property appraisals are obtained to assist in evaluating collateral. Loan-to-value and debt-to-income ratios, loan amount, and lien position are also considered in assessing whether to originate a loan. These borrowers are particularly susceptible to downturns in economic trends such as conditions that negatively affect housing prices and demand and levels of unemployment. The following table provides a description of each of the Company’s portfolio segments, loan classes, loan pools and the ACL methodology and loss drivers: Portfolio Segment Loan Class Methodology Loss Drivers Loans secured by real estate Land Development and Construction Loss Rate CRE Price Index, Real GDP, US Unemployment Farmland Loss Rate CRE Price Index, Real GDP, US Unemployment 1-4 Family Mortgages Loss Rate CRE Price Index, Real GDP, US Unemployment Commercial Real Estate Loss Rate CRE Price Index, Real GDP, US Unemployment Business loans Commercial and Industrial Loans Loss Rate US Unemployment, Nominal GDP Farm Production and Other Farm Loans Loss Rate US Unemployment, Nominal GDP Consumer loans Consumer Loans Loss Rate Moody's Expected Consumer Credit Loss Model Credit Cards WARM Company loss history Overdrafts WARM Company loss history The Loss Rate model is designed to operate at the portfolio segment level. These segments are relatively homogenous groups of loans with similar characteristics. Based on the average inputs of each segment, the model then calculates both quarterly and lifetime loss rates for the entire segment by loan. The lifetime loss rate is then multiplied by the amortized cost of each loan within a class to get a quantitative reserve. The Company chose the Weighted Average Remaining Maturity (“WARM”) method for two loan classes that are relatively non-complex. The WARM methodology factors in the remaining life of each applicable loan class that must be calculated to be used within the quantitative model. The Company determined that reasonable and supportable forecasts could be made for a twelve-month period for all of its loan pools. To the extent the lives of the loans in the LHFI portfolio extend beyond this forecast period, the Company uses a reversion period of four quarters and reverts to the historical mean on a straight-line basis over the remaining life of the loans. The econometric models currently in production reflect segment or pool level sensitivities of probability of default to changes in macroeconomic variables. By measuring the relationship between defaults and changes in the economy, the quantitative reserve incorporates reasonable and supportable forecasts of future conditions that will affect the value of its assets, as required by FASB ASC Topic 326. In addition to the items mentioned above, the Company incorporates qualitative factors into the ACL methodology, including the following: ● Lending expertise ● Risk tolerance measured through lending policy requirements ● Quality of the loan review system ● Changes in collateral valuations ● External factors within the Company’s operating region, including economic conditions ● Impact of competition The qualitative reserve is calculated by taking the quantitative reserve rate and multiplying this rate by the qualitative factor (“Q-factor”) scalar. The Q-factor scalar takes the average of all the Q-factors selected for a specific loan class. Each Q-factor is given a rating between 0 to 100 basis points (“bps”), with the 0 being no risk to 100 bps being the highest risk impact. Each Q-factor is evaluated and adjusted quarterly using both internal and external reports and data. The following table details activity in the ACL by portfolio segment for the three months ended: Real Business March 31, 2023 Estate Loans Consumer Total Beginning Balance, January 1, 2023 $ 4,154 $ 713 $ 397 $ 5,264 FASB ASU 2016-13 adoption adjustment 665 56 (86 ) 635 Provision for credit losses ("PCL") (46 ) 112 (19 ) 47 Chargeoffs 1 - 32 33 Recoveries 26 7 71 104 Net recoveries (25 ) (7 ) (39 ) (71 ) Ending Balance $ 4,798 $ 888 $ 331 $ 6,017 Period end allowance allocated to: Loans individually evaluated for impairment $ 100 $ - $ - $ 100 Loans collectively evaluated for impairment 4,698 888 331 5,917 Ending Balance, March 31, 2023 $ 4,798 $ 888 $ 331 $ 6,017 The following table details activity in the ACL by portfolio segment, based on the Company’s former allowance methodology prior to the adoption of ASC 326, for the three months ended: Real Business March 31, 2022 Estate Loans Consumer Total Beginning Balance, January 1, 2022 $ 3,622 $ 645 $ 246 $ 4,513 PCL 170 57 (134 ) 93 Chargeoffs - 56 26 82 Recoveries 50 5 197 252 Net chargeoffs (recoveries) (50 ) 51 (171 ) (170 ) Ending Balance $ 3,842 $ 651 $ 283 $ 4,776 Period end allowance allocated to: Loans individually evaluated for impairment $ - $ - $ - $ - Loans collectively evaluated for impairment 3,842 651 283 4,776 Ending Balance, March 31, 2022 $ 3,842 $ 651 $ 283 $ 4,776 The Company recorded a provision for credit losses of $47 during the first quarter of 2023, as compared to a provision for credit losses of $93 recorded in the first quarter of 2022. The Company’s allowance for credit losses model considers economic projections, primarily the national unemployment rate, recessionary risks, GDP and CRE price fluctuations. The provision activity during the current quarter was primarily driven by increased recessionary risks due to inflationary pressures partially offset by a decline in loans. The following table represents gross charge-offs by year of origination for the date presented: Revolving Total Charge- 2023 2022 2021 2020 2019 Prior Loans Offs Gross Charge-Offs March 31, 2023 Loans secured by real estate: Commercial Real Estate $ - $ - $ - $ - $ - $ 1 $ - $ 1 Total Real Estate Loans - - - - - 1 - 1 Total Consumer Loans - 2 - 4 - - - 6 Total Credit Card - - - - - - 26 26 Net LHFI $ - $ 2 $ - $ 4 $ - $ 1 $ 26 $ 33 ACL for Off-Balance Sheet Credit Exposure The Company maintains a separate ACL for Off-Balance Sheet Credit Exposure, which is included in the “Other liabilities” line item on the Consolidated Balance Sheets. The Company estimates the amount of expected losses on off-balance sheet credit exposure by calculating a likelihood of funding over the contractual period for exposures that are not unconditionally cancellable by the Company and applying the loss factors used in the ACL on loans methodology described above to unfunded commitments for each loan type. No credit loss estimate is reported for off-balance-sheet credit exposures that are unconditionally cancellable by the Company. The following table provides a roll-forward of the ACL for off-balance sheet credit exposure for the period presented: For the three months ended March 31, 2023 ACL for off-balance sheet credit exposure: Beginning balance $ - FASB ASU 2016-13 adoption adjustment 677 PCL for off-balance sheet credit exposure (41 ) Ending Balance $ 636 The Company recorded a negative PCL for off-balance sheet credit exposure of ($41) during the first quarter of 2023, The Company’s allowance for credit losses model considers economic projections, primarily the national unemployment rate, recessionary risks, GDP and CRE price fluctuations. The negative provision during the current quarter was primarily driven by a decrease in unfunded loan commitments partially offset by increased recessionary risks due to inflationary pressures.

Note 9 - Secured Line of Credit

Note 9 - Secured Line of Credit	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Long-Term Debt [Text Block]	Note 9. Secured Line of Credit (in thousands) On June 9, 2021, the Company obtained a secured revolving line of credit (“Line”) in the amount of $20,000 with First Horizon Bank. The proceeds of the Line were used to enhance the Bank’s capital structure. The Line bears interest at a floating interest rate linked to WSJ Prime Rate with an initial interest rate of 3.25%, which is payable quarterly on the first day of each calendar quarter, commencing on July 1, 2021, with the final installment of interest being due and payable concurrently on the same date that the principal balance is due. As of March 31, 2023, the interest rate was 8%. The Line also bears an unused line fee at a rate equal to 0.25%, applied to the unused balance of the Line. The Line is fully secured by the common stock of the Bank. The Line matures on June 9, 2023, at which time all unpaid interest and principal is due and payable. March 31, 2023 December 31, 2022 Funded balance $ 18,000 $ 18,000 Unfunded balance 2,000 2,000 Total credit facility $ 20,000 $ 20,000

Note 10 - Shareholders’ E

Note 10 - Shareholders’ Equity	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Equity [Text Block]	Note 10. Shareholders Equity (in thousands, except share data) The following summarizes the activity in the capital structure of the Company: Accumulated Number Additional Other of Shares Common Paid-In Comprehensive Retained Issued Stock Capital (Loss) Income Earnings Total Balance, January 1, 2023 5,603,570 $ 1,122 $ 18,448 $ (83,070 ) $ 102,525 $ 39,025 FASB ASU 2016-13 adoption adjustment (984 ) (984 ) Net income - - - - 1,140 1,140 Dividends paid ($0.24 per share) - - - - (1,346 ) (1,346 ) Restricted stock granted 3,868 - - - - - Stock compensation expense - - 40 - - 40 Other comprehensive loss, net - - - 3,248 - 3,248 Balance, March 31, 2023 5,607,438 $ 1,122 $ 18,488 $ (79,822 ) $ 101,335 $ 41,123 Accumulated Number Additional Other of Shares Common Paid-In Comprehensive Retained Issued Stock Capital Income (Loss) Earnings Total Balance, January 1, 2022 5,595,320 $ 1,120 $ 18,293 $ (11,795 ) $ 98,282 $ 105,900 Net income - - - - 2,036 2,036 Dividends paid ($0.24 per share) - - - - (1,343 ) (1,343 ) Stock compensation expense - - 39 - - 39 Other comprehensive loss, net - - - (43,682 ) - (43,682 ) Balance, March 31, 2022 5,595,320 $ 1,120 $ 18,332 $ (55,477 ) $ 98,975 $ 62,950

Note 11 - Fair Values of Financ

Note 11 - Fair Values of Financial Instruments	3 Months Ended
	Mar. 31, 2023
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 11. Fair Value of Financial Instruments (in thousands) The fair value topic of the ASC establishes a framework for measuring fair value and requires enhanced disclosures about fair value measurements. This topic clarifies that fair value is an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. This topic also requires disclosure about how fair value was determined for assets and liabilities and establishes a hierarchy for which these assets and liabilities must be grouped, based on significant levels of inputs as follows: Level 1 Quoted prices (unadjusted) in active markets for identical assets or liabilities; Level 2 Inputs other than quoted prices in active markets for identical assets and liabilities included in Level 1 that are observable for the asset or liability, either directly or indirectly, such as quoted prices for similar assets or liabilities in active markets, or quoted prices for identical or similar assets or liabilities in markets that are not active; or Level 3 Unobservable inputs for an asset or liability, such as discounted cash flow models or valuations. The determination of where assets and liabilities fall within this hierarchy is based upon the lowest level of input that is significant to the fair value measurement. The following table presents assets and liabilities that were measured at fair value on a recurring basis as of March 31, 2023: Quoted Prices in Active Significant Markets for Other Significant Identical Observable Unobservable Assets Inputs Inputs (Level 1) (Level 2) (Level 3) Totals Securities available-for-sale Mortgage-backed securities $ - $ 95,536 $ - $ 95,536 State, county and municipal - 105,761 - 105,761 Other securities - 443 - 443 Total $ - $ 201,740 $ - $ 201,740 The following table presents assets and liabilities that were measured at fair value on a recurring basis as of December 31, 2022: Quoted Prices in Active Significant Markets for Other Significant Identical Observable Unobservable Assets Inputs Inputs (Level 1) (Level 2) (Level 3) Totals Securities available-for-sale Mortgage-backed securities $ - $ 96,972 $ - $ 96,972 State, county and municipal - 103,913 - 103,913 Other securities - 437 - 437 Total $ - $ 201,322 $ - $ 201,322 The Company recorded no gains or losses in earnings for the period ended March 31, 2023 or December 31, 2022 that were attributable to the change in unrealized gains or losses relating to assets still held at the reporting date. Impaired Loans Loans considered impaired are reserved for at the time the loan is identified as impaired taking into account the fair value of the collateral less estimated selling costs. Collateral may be real estate and/or business assets including but not limited to, equipment, inventory and accounts receivable. The fair value of real estate is determined based on appraisals by qualified licensed appraisers. The fair value of the business assets is generally based on amounts reported on the business’s financial statements. Appraised and reported values may be adjusted based on management’s historical knowledge, changes in market conditions from the time of valuation and management knowledge of the client and the client’s business. Since not all valuation inputs are observable, these nonrecurring fair value determinations are classified Level 3. The unobservable inputs may vary depending on the individual assets with the fair value of real estate based on appraised value being the predominant approach. The Company reviews the certified appraisals for appropriateness and adjusts the value downward to consider selling, closing and liquidation costs, which typically approximates 25% of the appraised value. Impaired loans are reviewed and evaluated on at least a quarterly basis for additional impairment and adjusted accordingly, based on the same factors previously identified. Other real estate owned OREO is primarily comprised of real estate acquired in partial or full satisfaction of loans. OREO is recorded at its estimated fair value less estimated selling and closing costs at the date of transfer, with any excess of the related loan balance over the fair value less expected selling costs charged to the ACL. Subsequent changes in fair value are reported as adjustments to the carrying amount and are recorded against earnings. The Company outsources the valuation of OREO with material balances to third party appraisers. The Company reviews the third-party appraisal for appropriateness and adjusts the value downward to consider selling and closing costs, which typically approximate 25% of the appraised value. The following tables provide the fair value measurement for assets measured at fair value on a nonrecurring basis that were still held on the balance sheets as of the dates presented and the level within the fair value hierarchy each is classified: March 31, 2023 Quoted Prices in Active Significant Markets for Other Significant Identical Observable Unobservable Assets Inputs Inputs (Level 1) (Level 2) (Level 3) Totals Impaired loans $ - $ - $ 1,950 $ 1,950 Total $ - $ - $ 1,950 $ 1,950 December 31, 2022 Quoted Prices in Active Significant Markets for Other Significant Identical Observable Unobservable Assets Inputs Inputs (Level 1) (Level 2) (Level 3) Totals Impaired loans $ - $ - $ 2,074 $ 2,074 Total $ - $ - $ 2,074 $ 2,074 Impaired loans, whose fair value was remeasured during the period, with a carrying value of $2,050 and $2,190, had an allocated ACL of $100 and $116 at March 31, 2023 and December 31, 2022, respectively. The allocated allowance is based on the carrying value of the impaired loan and the fair value of the underlying collateral less estimated costs to sell. After monitoring the carrying amounts for subsequent declines or impairments after foreclosure, management determined that no fair value adjustment to OREO was necessary during the three-month period ended March 31, 2023 and the year ended December 31, 2022, respectively. The financial instruments topic of the ASC requires disclosure of financial instruments’ fair values, as well as the methodology and significant assumptions used in estimating fair values. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instrument. The financial instruments topic of the ASC excludes certain financial instruments from its disclosure requirements. The following represents the carrying value and estimated fair value of the Company’s financial instruments at March 31, 2023: Fair Value Measurements Using: Quoted Prices in Active Significant Markets for Other Significant Total Carrying Identical Observable Unobservable Fair March 31, 2023 Value Assets Inputs Inputs Value (Level 1) (Level 2) (Level 3) Financial assets Cash and due from banks $ 15,600 $ 15,600 $ - $ - $ 15,600 Interest bearing deposits with banks 606 606 - - 606 Securities held-to-maturity 402,237 - 375,952 - 375,952 Securities available-for-sale 201,740 - 201,740 - 201,740 Net LHFI 561,223 - - 521,259 521,259 Financial liabilities Deposits $ 1,115,826 $ 929,637 $ 187,335 $ - $ 1,116,972 Securities sold under agreement to repurchase 98,532 98,532 - - 98,532 Short-term borrowings 1,725 1,725 - - 1,725 Borrowings on secured line of credit 18,000 18,000 - - 18,000 The following represents the carrying value and estimated fair value of the Company’s financial instruments at December 31, 2022: Fair Value Measurements Using: Quoted Prices in Active Significant Markets for Other Significant Total Carrying Identical Observable Unobservable Fair December 31, 2022 Value Assets Inputs Inputs Value (Level 1) (Level 2) (Level 3) Financial assets Cash and due from banks $ 26,948 $ 26,948 $ - $ - $ 26,948 Interest bearing deposits with banks 1,646 1,646 - - 1,646 Securities held-to-maturity 406,590 - 375,292 - 375,292 Securities available-for-sale 201,322 - 201,322 - 201,322 Net LHFI 580,327 - - 541,173 541,173 Financial liabilities Deposits $ 1,126,402 $ 947,479 $ 178,902 $ - $ 1,126,381 Securities sold under agreement to repurchase 127,574 127,574 - - 127,574 Borrowings on secured line of credit 18,000 18,000 - - 18,000

Significant Accounting Policies

Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2023
Accounting Policies [Abstract]
Nature Of Business Policy [Policy Text Block]	Nature of Business
Basis of Accounting, Policy [Policy Text Block]	Basis of Presentation
Use of Estimates, Policy [Policy Text Block]	Estimates
New Accounting Pronouncements, Policy [Policy Text Block]	Impact of Recently-Issued Accounting Standards and Pronouncements: Financial Instruments - Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments Financial Instruments - Credit Losses December 31, 2022 Impact of FASB ASU January 1, 2023 (as reported) 2016-13 Adoption (adjusted) Assets: ACL $ (5,264 ) $ (634 ) $ (5,898 ) Deferred tax assets, net 29,574 327 29,901 Liabilities: ACL on off-balance sheet exposures - 677 677 Shareholders' equity: Retained earnings $ 102,525 $ (984 ) $ 101,541 6

Note 1 - Nature of Business a_2

Note 1 - Nature of Business and Summary of Significant Accounting Policies (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Accounting Standards Update and Change in Accounting Principle [Table Text Block]	December 31, 2022 Impact of FASB ASU January 1, 2023 (as reported) 2016-13 Adoption (adjusted) Assets: ACL $ (5,264 ) $ (634 ) $ (5,898 ) Deferred tax assets, net 29,574 327 29,901 Liabilities: ACL on off-balance sheet exposures - 677 677 Shareholders' equity: Retained earnings $ 102,525 $ (984 ) $ 101,541

Note 3 - Net Income per Share (

Note 3 - Net Income per Share (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For the Three Months Ended March 31, 2023 2022 Basic weighted average shares outstanding 5,595,320 5,587,070 Dilutive effect of granted options - - Diluted weighted average shares outstanding 5,595,320 5,587,070 Net income $ 1,140 $ 2,036 Net income per share-basic $ 0.20 $ 0.36 Net income per share-diluted $ 0.20 $ 0.36

Note 6 - Securities Available_2

Note 6 - Securities Available-for-Sale and Held-to-Maturity (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Debt Securities, Available-for-Sale [Table Text Block]	Gross Gross March 31, 2023 Amortized Unrealized Unrealized Estimated Cost Gains Losses Fair Value Securities available-for-sale Mortgage backed securities $ 104,478 $ 6 $ 8,948 $ 95,536 State, County, Municipals 134,667 24 28,930 105,761 Other securities 500 $ - $ 57 $ 443 Total $ 239,645 $ 30 $ 37,935 $ 201,740 Gross Gross December 31, 2022 Amortized Unrealized Unrealized Estimated Cost Gains Losses Fair Value Securities available-for-sale Mortgage backed securities $ 107,055 $ - $ 10,083 $ 96,972 State, County, Municipals 134,906 - 30,993 103,913 Other securities 500 - 63 437 Total $ 242,461 $ - $ 41,139 $ 201,322
Debt Securities, Held-to-Maturity [Table Text Block]	Gross Gross March 31, 2023 Amortized Unrealized Unrealized Estimated Cost Gains Losses Fair Value Securities held-to-maturity Obligations of U.S. Government agencies $ 4,018 $ - $ 364 $ 3,654 Mortgage backed securities 305,356 - 21,219 284,137 State, County, Municipals 92,863 - 4,702 88,161 Total $ 402,237 $ - $ 26,285 $ 375,952 Gross Gross December 31, 2022 Amortized Unrealized Unrealized Estimated Cost Gains Losses Fair Value Securities held-to-maturity Obligations of U.S. Government agencies $ 4,002 $ - $ 367 $ 3,635 Mortgage backed securities 309,748 - 24,654 285,094 State, County, Municipals 92,840 - 6,277 86,563 Total $ 406,590 $ - $ 31,298 $ 375,292
Debt Securities, Held-to-Maturity, Credit Quality Indicator [Table Text Block]	March 31, 2023 December 31, 2022 Aaa $ 16,791 $ 18,096 Aa1 to Aa3 41,492 40,174 Not Rated (1) 34,580 34,570 $ 92,863 $ 92,840
Schedule of Unrealized Loss on Investments [Table Text Block]	March 31, 2023 Available-for-sale Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses Mortgage backed securities $ 55,492 $ 1,878 $ 36,256 $ 7,070 $ 91,748 $ 8,948 State, County, Municipal 16,842 466 87,008 28,464 103,850 28,930 Other securities - - 443 57 443 57 Total $ 72,334 $ 2,344 $ 123,707 $ 35,591 $ 196,041 $ 37,935 Held-to-maturity Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses Obligations of U.S. government agencies $ - $ - $ 3,654 $ 364 $ 3,654 $ 364 Mortgage backed securities - - 284,137 21,219 284,137 21,219 State, County, Municipal - - 88,161 4,702 88,161 4,702 Total $ - $ - $ 375,952 $ 26,285 $ 375,952 $ 26,285 December 31, 2022 Available-for-sale Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses Mortgage backed securities $ 70,652 $ 3,838 $ 26,320 $ 6,245 $ 96,972 $ 10,083 State, County, Municipal 45,200 9,027 58,713 21,966 103,913 30,993 Other securities - - 437 63 437 63 Total $ 115,852 $ 12,865 $ 85,470 $ 28,274 $ 201,322 $ 41,139 Held-to-maturity Less than 12 months 12 months or more Total Fair Unrealized Fair Unrealized Fair Unrealized Description of Securities Value Losses Value Losses Value Losses Obligations of U.S. government agencies $ - $ - $ 3,635 $ 367 $ 3,635 $ 367 Mortgage backed securities 17,882 1,332 267,212 23,322 285,094 24,654 State, County, Municipal 15,059 781 71,504 5,496 86,563 6,277 Total $ 32,941 $ 2,113 $ 342,351 $ 29,185 $ 375,292 $ 31,298
Investments Classified by Contractual Maturity Date [Table Text Block]	Available-for-sale Held-to-maturity Amortized Estimated Amortized Estimated Cost Fair Value Cost Fair Value Due in one year or less $ 720 $ 663 $ - $ - Due after one year through five years 3,155 3,076 - - Due after five years through ten years 5,275 5,008 - - Due after ten years 126,017 97,457 96,881 91,815 Residential mortgage backed securities 91,827 83,144 246,433 229,613 Commercial mortgage backed securities 12,651 12,392 58,923 54,524 Total $ 239,645 $ 201,740 $ 402,237 $ 375,952

Note 7- LHFL and ACL (Tables)

Note 7- LHFL and ACL (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Financing Receivable, Nonaccrual [Table Text Block]	Nonaccrual With No Allowance for Credit Loss Nonaccrual Loans Past Due 90 Days or More Still Accruing March 31, 2023 Loans secured by real estate: Land Development and Construction $ - $ 2 $ - Farmland 28 108 - 1-4 Family Mortgages 184 1,712 - Commercial Real Estate 691 825 - Total Real Estate Loansg 903 2,647 - Business Loans: Commercial and Industrial Loans 196 307 - Farm Production and Other Farm Loans - - - Total Business Loans 196 307 - Consumer Loans: Consumer Loans - 39 - Credit Cards - - 5 Total Consumer Loans - 39 5 Total $ 1,099 $ 2,993 $ 5 Nonaccrual Loans Past Due 90 Days or More Still Accruing December 31, 2022 Loans secured by real estate: Land Development and Construction $ - $ 4 Farmland 117 - 1-4 Family Mortgages 1,720 - Commercial Real Estate 846 95 Total Real Estate Loans 2,683 99 Business Loans: Commercial and Industrial Loans 281 - Farm Production and Other Farm Loans - - Total Business Loans 281 - Consumer Loans: Consumer Loans 24 - Credit Cards - 12 Total Consumer Loans 24 12 Total $ 2,988 $ 111
Impaired Financing Receivables [Table Text Block]	Recorded Recorded Unpaid Investment Investment Total Average Principal With No With Recorded Related Recorded Balance Allowance Allowance Investment Allowance Investment Real Estate: Land Development and Construction $ - $ - $ - $ - $ - $ 86 Farmland 30 30 - 30 - 32 1-4 Family Mortgages 190 190 - 190 - 479 Commercial Real Estate 3,023 795 2,066 2,861 116 1,996 Total Real Estate Loans 3,243 1,015 2,066 3,081 116 $ 2,593 Business Loans: Commercial and Industrial Loans 304 196 - 196 - $ 214 Total Business Loans 304 196 - 196 - $ 214 Total Loans $ 3,547 $ 1,211 $ 2,066 $ 3,277 $ 116 $ 2,807
Schedule of Collateral Dependent Loans [Table Text Block]	March 31, 2023 Inventory Real Estate Receivables Total Loans secured by real estate: Land Development and Construction $ - $ - $ - $ - Farmland - 28 - 28 1-4 Family Mortgages - 184 - 184 Commercial Real Estate - 2,741 - 2,741 Total Real Estate Loans - 2,953 - 2,953 Business Loans: Commercial and Industrial Loans 92 - 104 196 Farm Production and Other Farm Loans - - - - Total Business Loans 92 - 104 196 Total $ 92 $ 2,953 $ 104 $ 3,149
Financing Receivable Credit Quality Indicators [Table Text Block]	March 31, 2023 2023 2022 2021 2020 2019 Prior Revolving Loans Total Loans Loans secured by real estate: Land Development and Construction Satisfactory - Categories 1-4 $ 2,496 $ 7,876 $ 6,566 $ 7,982 $ 950 $ 1,167 $ 24,425 $ 51,462 Special Mention - Category 5 & 6 - 1,104 679 - - - - 1,783 Substandard - Category 7 - 279 - - - 4 - 283 Doubtful - Category 8 - - - - - - - - Loss 9 - - - - - - - - Total Land Development and Construction 2,496 9,259 7,245 7,982 950 1,171 24,425 53,528 Farmland Satisfactory - Categories 1-4 315 1,830 1,443 2,066 3,253 1,222 885 11,014 Special Mention - Category 5 & 6 - - 88 - 138 38 - 264 Substandard - Category 7 - 37 17 11 29 51 - 145 Doubtful - Category 8 - - - - - - - - Loss 9 - - - - - - - - Total Farmland 315 1,867 1,548 2,077 3,420 1,311 885 11,423 1-4 Family Mortgages Satisfactory - Categories 1-4 4,356 20,671 12,882 12,645 11,051 9,529 16,911 88,045 Special Mention - Category 5 & 6 - 198 46 135 305 984 176 1,844 Substandard - Category 7 - 37 288 378 137 2,340 411 3,591 Doubtful - Category 8 - - - - - - - - Loss 9 - - - - - - - - Total 1-4 Family Mortgages 4,356 20,906 13,216 13,158 11,493 12,853 17,498 93,480 Commercial Real Estate Satisfactory - Categories 1-4 4,719 53,935 61,039 56,352 42,180 36,853 16,612 271,690 Special Mention - Category 5 & 6 66 2,493 2,285 1,073 1,487 463 - 7,867 Substandard - Category 7 - 187 3,758 2,805 269 25,700 - 32,719 Doubtful - Category 8 - - - - - - - - Loss 9 - - - - - - - - Total Commercial Real Estate 4,785 56,615 67,082 60,230 43,936 63,016 16,612 312,276 Total Real Estate Loans 11,952 88,647 89,091 83,447 59,799 78,351 59,420 470,707 Business Loans: Commercial and Industrial Loans Satisfactory - Categories 1-4 1,706 24,185 5,629 14,380 6,906 11,748 10,546 75,100 Special Mention - Category 5 & 6 - 133 - 337 8 1,368 2,811 4,657 Substandard - Category 7 - 3 55 - 59 261 72 450 Doubtful - Category 8 - - - - - - - - Loss 9 - - - - - - - - Total Commercial & Industrial Loans 1,706 24,321 5,684 14,717 6,973 13,377 13,429 80,207 Farm Production and Other Farm Loans Satisfactory - Categories 1-4 - 272 - 9 - 92 91 464 Special Mention - Category 5 & 6 - - - - - - - - Substandard - Category 7 - - 7 - - 3 - 10 Doubtful - Category 8 - - - - - - - - Loss 9 - - - - - - - - Total Farm Production & Other Farm Loans - 272 7 9 - 95 91 474 Total Business Loans 1,706 24,593 5,691 14,726 6,973 13,472 13,520 80,681 Consumer Loans: Satisfactory - Categories 1-4 2,158 5,697 2,454 946 962 317 240 12,774 Special Mention - Category 5 & 6 - - - - - 4 - 4 Substandard - Category 7 238 24 27 3 1 1 - 294 Doubtful - Category 8 - - - - - - - - Loss 9 - - - - - - - - Total Consumer Loans 2,396 5,721 2,481 949 963 322 240 13,072 Credit Cards Performing - - - - - - 2,775 2,775 Nonperforming - - - - - - 5 5 Total Credit Card - - - - - - 2,780 2,780 Gross LHFI $ 16,054 $ 118,961 $ 97,263 $ 99,122 $ 67,735 $ 92,145 $ 75,960 $ 567,240 Less ACL (6,017 ) Net LHFI $ 561,223 Special Satisfactory Mention Substandard Doubtful Loss Total 1,2,3,4 5,6 7 8 9 Loans Real Estate: Land Development and Construction $ 50,015 $ 2,427 $ 289 $ - $ - $ 52,731 Farmland 10,832 269 336 - - 11,437 1-4 Family Mortgages 85,861 1,816 4,471 - - 92,148 Commercial Real Estate 274,901 7,975 33,665 - - 316,541 Total Real Estate Loans 421,609 12,487 38,761 - - 472,857 Business Loans: Commercial and Industrial Loans 91,016 4,902 577 - 5 96,500 Farm Production and Other Farm Loans 491 - 13 - - 504 Total Business Loans 91,507 4,902 590 - 5 97,004 Consumer Loans: Credit Cards 2,670 - 68 - - 2,738 Other Consumer Loans 12,934 7 51 - - 12,992 Total Consumer Loans 15,604 7 119 - - 15,730 Total Loans $ 528,720 $ 17,396 $ 39,470 $ - $ 5 $ 585,591
Financial Assets Non Purchased Loans [Member]
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	March 31, 2023 December 31, 2022 Loans secured by real estate: Land Development and Construction $ 53,528 $ 52,731 Farmland 11,423 11,437 1-4 Family Mortgages 93,480 92,148 Commercial Real Estate 312,276 316,541 Total Real Estate Loans 470,707 472,857 Business Loans: Commercial and Industrial Loans 80,207 96,500 Farm Production and Other Farm Loans 474 504 Total Business Loans 80,681 97,004 Consumer Loans: Consumer Loans 13,072 12,992 Credit Cards 2,780 2,738 Total Consumer Loans 15,852 15,730 Gross LHFI 567,240 585,591 Less Allowance for credit losses (6,017 ) (5,264 ) Net LHFI $ 561,223 $ 580,327
Financing Receivable, Past Due [Table Text Block]	March 31, 2023 30 - 89 Days Past Due Greater Than 89 Days Past Due Total Past Due Current Loans Total Loans secured by real estate: Land Development and Construction $ 250 $ - $ 250 $ 53,278 $ 53,528 Farmland 233 - 233 11,190 11,423 1-4 Family Mortgages 1,527 216 1,743 91,737 93,480 Commercial Real Estate 640 504 1,144 311,132 312,276 Total Real Estate Loans 2,650 720 3,370 467,337 470,707 Business Loans: Commercial and Industrial Loans 271 266 537 79,670 80,207 Farm Production and Other Farm Loans - - - 474 474 Total Business Loans 271 266 537 80,144 80,681 Consumer Loans: Consumer Loans 126 - 126 12,946 13,072 Credit Cards 60 5 65 2,715 2,780 Total Consumer Loans 186 5 191 15,661 15,852 Total $ 3,107 $ 991 $ 4,098 $ 563,142 $ 567,240 December 31, 2022 30 - 89 Days Past Due Greater Than 89 Days Past Due Total Past Due Current Loans Total Loans secured by real estate: Land Development and Construction $ - $ 4 $ 4 $ 52,727 $ 52,731 Farmland 38 30 68 11,369 11,437 1-4 Family Mortgages 1,799 439 2,238 89,910 92,148 Commercial Real Estate 933 486 1,419 315,122 316,541 Total Real Estate Loans 2,770 959 3,729 469,128 472,857 Business Loans: Commercial and Industrial Loans 109 277 386 96,114 96,500 Farm Production and Other Farm Loans 4 - 4 500 504 Total Business Loans 113 277 390 96,614 97,004 Consumer Loans: Consumer Loans 66 23 89 12,903 12,992 Credit Cards 56 12 68 2,670 2,738 Total Consumer Loans 122 35 157 15,573 15,730 Total $ 3,005 $ 1,271 $ 4,276 $ 581,315 $ 585,591

Note 8 - ACL on LHFI (Tables)

Note 8 - ACL on LHFI (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Financing Receivable, Allowance for Credit Loss [Table Text Block]	Real Business March 31, 2023 Estate Loans Consumer Total Beginning Balance, January 1, 2023 $ 4,154 $ 713 $ 397 $ 5,264 FASB ASU 2016-13 adoption adjustment 665 56 (86 ) 635 Provision for credit losses ("PCL") (46 ) 112 (19 ) 47 Chargeoffs 1 - 32 33 Recoveries 26 7 71 104 Net recoveries (25 ) (7 ) (39 ) (71 ) Ending Balance $ 4,798 $ 888 $ 331 $ 6,017 Period end allowance allocated to: Loans individually evaluated for impairment $ 100 $ - $ - $ 100 Loans collectively evaluated for impairment 4,698 888 331 5,917 Ending Balance, March 31, 2023 $ 4,798 $ 888 $ 331 $ 6,017 Real Business March 31, 2022 Estate Loans Consumer Total Beginning Balance, January 1, 2022 $ 3,622 $ 645 $ 246 $ 4,513 PCL 170 57 (134 ) 93 Chargeoffs - 56 26 82 Recoveries 50 5 197 252 Net chargeoffs (recoveries) (50 ) 51 (171 ) (170 ) Ending Balance $ 3,842 $ 651 $ 283 $ 4,776 Period end allowance allocated to: Loans individually evaluated for impairment $ - $ - $ - $ - Loans collectively evaluated for impairment 3,842 651 283 4,776 Ending Balance, March 31, 2022 $ 3,842 $ 651 $ 283 $ 4,776
Financing Receivable, Allowance for Credit Loss, Net Charge-offs [Table Text Block]	Revolving Total Charge- 2023 2022 2021 2020 2019 Prior Loans Offs Gross Charge-Offs March 31, 2023 Loans secured by real estate: Commercial Real Estate $ - $ - $ - $ - $ - $ 1 $ - $ 1 Total Real Estate Loans - - - - - 1 - 1 Total Consumer Loans - 2 - 4 - - - 6 Total Credit Card - - - - - - 26 26 Net LHFI $ - $ 2 $ - $ 4 $ - $ 1 $ 26 $ 33
Off-Balance-Sheet Credit Exposure [Table Text Block]	For the three months ended March 31, 2023 ACL for off-balance sheet credit exposure: Beginning balance $ - FASB ASU 2016-13 adoption adjustment 677 PCL for off-balance sheet credit exposure (41 ) Ending Balance $ 636

Note 9 - Secured Line of Cred_2

Note 9 - Secured Line of Credit (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Schedule of Long-Term Debt Instruments [Table Text Block]	March 31, 2023 December 31, 2022 Funded balance $ 18,000 $ 18,000 Unfunded balance 2,000 2,000 Total credit facility $ 20,000 $ 20,000

Note 10 - Shareholders’_2

Note 10 - Shareholders’ Equity (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Schedule of Stockholders Equity [Table Text Block]	Accumulated Number Additional Other of Shares Common Paid-In Comprehensive Retained Issued Stock Capital (Loss) Income Earnings Total Balance, January 1, 2023 5,603,570 $ 1,122 $ 18,448 $ (83,070 ) $ 102,525 $ 39,025 FASB ASU 2016-13 adoption adjustment (984 ) (984 ) Net income - - - - 1,140 1,140 Dividends paid ($0.24 per share) - - - - (1,346 ) (1,346 ) Restricted stock granted 3,868 - - - - - Stock compensation expense - - 40 - - 40 Other comprehensive loss, net - - - 3,248 - 3,248 Balance, March 31, 2023 5,607,438 $ 1,122 $ 18,488 $ (79,822 ) $ 101,335 $ 41,123 Accumulated Number Additional Other of Shares Common Paid-In Comprehensive Retained Issued Stock Capital Income (Loss) Earnings Total Balance, January 1, 2022 5,595,320 $ 1,120 $ 18,293 $ (11,795 ) $ 98,282 $ 105,900 Net income - - - - 2,036 2,036 Dividends paid ($0.24 per share) - - - - (1,343 ) (1,343 ) Stock compensation expense - - 39 - - 39 Other comprehensive loss, net - - - (43,682 ) - (43,682 ) Balance, March 31, 2022 5,595,320 $ 1,120 $ 18,332 $ (55,477 ) $ 98,975 $ 62,950

Note 11 - Fair Values of Fina_2

Note 11 - Fair Values of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2023
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Quoted Prices in Active Significant Markets for Other Significant Identical Observable Unobservable Assets Inputs Inputs (Level 1) (Level 2) (Level 3) Totals Securities available-for-sale Mortgage-backed securities $ - $ 95,536 $ - $ 95,536 State, county and municipal - 105,761 - 105,761 Other securities - 443 - 443 Total $ - $ 201,740 $ - $ 201,740 Quoted Prices in Active Significant Markets for Other Significant Identical Observable Unobservable Assets Inputs Inputs (Level 1) (Level 2) (Level 3) Totals Securities available-for-sale Mortgage-backed securities $ - $ 96,972 $ - $ 96,972 State, county and municipal - 103,913 - 103,913 Other securities - 437 - 437 Total $ - $ 201,322 $ - $ 201,322
Fair Value Measurements, Nonrecurring [Table Text Block]	March 31, 2023 Quoted Prices in Active Significant Markets for Other Significant Identical Observable Unobservable Assets Inputs Inputs (Level 1) (Level 2) (Level 3) Totals Impaired loans $ - $ - $ 1,950 $ 1,950 Total $ - $ - $ 1,950 $ 1,950
Fair Value, by Balance Sheet Grouping [Table Text Block]	December 31, 2022 Quoted Prices in Active Significant Markets for Other Significant Identical Observable Unobservable Assets Inputs Inputs (Level 1) (Level 2) (Level 3) Totals Impaired loans $ - $ - $ 2,074 $ 2,074 Total $ - $ - $ 2,074 $ 2,074 Fair Value Measurements Using: Quoted Prices in Active Significant Markets for Other Significant Total Carrying Identical Observable Unobservable Fair March 31, 2023 Value Assets Inputs Inputs Value (Level 1) (Level 2) (Level 3) Financial assets Cash and due from banks $ 15,600 $ 15,600 $ - $ - $ 15,600 Interest bearing deposits with banks 606 606 - - 606 Securities held-to-maturity 402,237 - 375,952 - 375,952 Securities available-for-sale 201,740 - 201,740 - 201,740 Net LHFI 561,223 - - 521,259 521,259 Financial liabilities Deposits $ 1,115,826 $ 929,637 $ 187,335 $ - $ 1,116,972 Securities sold under agreement to repurchase 98,532 98,532 - - 98,532 Short-term borrowings 1,725 1,725 - - 1,725 Borrowings on secured line of credit 18,000 18,000 - - 18,000 Fair Value Measurements Using: Quoted Prices in Active Significant Markets for Other Significant Total Carrying Identical Observable Unobservable Fair December 31, 2022 Value Assets Inputs Inputs Value (Level 1) (Level 2) (Level 3) Financial assets Cash and due from banks $ 26,948 $ 26,948 $ - $ - $ 26,948 Interest bearing deposits with banks 1,646 1,646 - - 1,646 Securities held-to-maturity 406,590 - 375,292 - 375,292 Securities available-for-sale 201,322 - 201,322 - 201,322 Net LHFI 580,327 - - 541,173 541,173 Financial liabilities Deposits $ 1,126,402 $ 947,479 $ 178,902 $ - $ 1,126,381 Securities sold under agreement to repurchase 127,574 127,574 - - 127,574 Borrowings on secured line of credit 18,000 18,000 - - 18,000

Note 1 - Nature of Business a_3

Note 1 - Nature of Business and Summary of Significant Accounting Policies (Details Textual) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Accrued Interest, before Allowance for Credit Loss	$ 1,935	$ 1,981

Note 1 - Nature of Business a_4

Note 1 - Nature of Business and Summary of Significant Accounting Policies - Schedule of New Accounting Pronouncements (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Jan. 01, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
ACL	$ (6,017)		$ (5,264)	$ (4,776)	$ (4,513)
Deferred tax assets, net	29,091		29,574
ACL on off-balance sheet exposures	636		0
Retained earnings	$ 101,335		102,525
Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
ACL		$ (5,898)
Deferred tax assets, net		29,901
ACL on off-balance sheet exposures		677
Retained earnings		101,541
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
ACL		(634)	(635)
Deferred tax assets, net		327
ACL on off-balance sheet exposures		677	$ 677
Retained earnings		$ (984)

Note 2 - Commitments and Cont_2

Note 2 - Commitments and Contingent Liabilities (Details Textual) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Unused Commitments to Extend Credit	$ 71,563	$ 75,602
Letters of Credit Outstanding, Amount	$ 3,488	$ 5,438

Note 3 - Net Income per Share -

Note 3 - Net Income per Share - Net Income per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Basic weighted average shares outstanding (in shares)	5,595,320	5,587,070
Dilutive effect of granted options (in shares)	0	0
Diluted weighted average shares outstanding (in shares)	5,595,320	5,587,070
Net income	$ 1,140	$ 2,036
-Basic (in dollars per share)	$ 0.20	$ 0.36
-Diluted (in dollars per share)	$ 0.20	$ 0.36

Note 4 - Equity Compensation _2

Note 4 - Equity Compensation Plans (Details Textual) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Restricted Stock [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period		8,250
Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period		1 year
Share-Based Compensation Arrangement By Share-Based Payment Award, Equity Instruments Other Than Options, Grants in Period, Grant Date Fair Value		$ 157
Incentive Compensation Plan 2013 [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Options, Outstanding, Number (in shares)	0
Incentive Compensation Plan 2013 [Member] | Restricted Stock [Member] | Chief Executive Officer [Member]
Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period	3,868
Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period	4 years
Share-Based Compensation Arrangement By Share-Based Payment Award, Equity Instruments Other Than Options, Grants in Period, Grant Date Fair Value	$ 60

Note 5 - Income Taxes (Details

Note 5 - Income Taxes (Details Textual) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Income Tax Expense (Benefit)	$ 154	$ 390
Effective Income Tax Rate Reconciliation, Percent	11.90%	16.08%

Note 6 - Securities Available_3

Note 6 - Securities Available-for-Sale and Held-to-Maturity (Details Textual) - USD ($) $ in Thousands		3 Months Ended
	Jan. 01, 2023	Mar. 31, 2023	Sep. 30, 2022	Dec. 31, 2022
Debt Securities Reclassification Adjustment From Available For Sale To Held To Maturity Securities			$ 413,921
Debt Securities Available for sale Unrealized Holding Loss On Transferred Securities Before Tax			71,319
Debt Securities Available for sale Unrealized Holding Loss On Transferred Securities Net Of Tax			$ (53,525)
Debt Securities, Available-for-Sale, Gain (Loss)		$ 0
Debt Securities Available For Sale Unrealized Gain Loss On Transfer Before Tax		68,511		$ 69,612
Debt Securities Available For Sale Unrealized Gain Loss On Transfer Net Of Tax		(51,417)		(52,244)
Debt Securities, Expected Credit Loss	$ 0
Held to maturity, amortized cost		402,237		406,590
Debt Securities Held To Maturity 30 Days Or More Past Due		0
Debt Securities, Held-to-Maturity, Nonaccrual		0
Asset Pledged as Collateral [Member]
Debt Securities		462,291		462,954
State, County and Municipal [Member]
Held to maturity, amortized cost		$ 92,863		$ 92,840

Note 6 - Investment Securities

Note 6 - Investment Securities - Amortized Cost and Estimated Fair Value of Securities Available-for-Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Available for sale, amortized cost	$ 239,645	$ 242,461
Available for sale, gross unrealized gains	30	0
Available for sale, gross unrealized losses	37,935	41,139
Available for sale, fair value	201,740	201,322
Collateralized Mortgage-Backed Securities [Member]
Available for sale, amortized cost	104,478	107,055
Available for sale, gross unrealized gains	6	0
Available for sale, gross unrealized losses	8,948	10,083
Available for sale, fair value	95,536	96,972
State, County and Municipal [Member]
Available for sale, amortized cost	134,667	134,906
Available for sale, gross unrealized gains	24	0
Available for sale, gross unrealized losses	28,930	30,993
Available for sale, fair value	105,761	103,913
Other Debt Obligations [Member]
Available for sale, amortized cost	500	500
Available for sale, gross unrealized gains	0	0
Available for sale, gross unrealized losses	57	63
Available for sale, fair value	$ 443	$ 437

Note 6 - Investment Securitie_2

Note 6 - Investment Securities - Summary of Held-to-maturity Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Held to maturity, amortized cost	$ 402,237	$ 406,590
Held to maturity, gross unrealized gains	0	0
Held to maturity, gross unrealized losses	26,285	31,298
Held to maturity, fair value	375,952	375,292
US Government Agencies Debt Securities [Member]
Held to maturity, amortized cost	4,018	4,002
Held to maturity, gross unrealized gains	0	0
Held to maturity, gross unrealized losses	364	367
Held to maturity, fair value	3,654	3,635
Collateralized Mortgage-Backed Securities [Member]
Held to maturity, amortized cost	305,356	309,748
Held to maturity, gross unrealized gains	0	0
Held to maturity, gross unrealized losses	21,219	24,654
Held to maturity, fair value	284,137	285,094
State, County and Municipal [Member]
Held to maturity, amortized cost	92,863	92,840
Held to maturity, gross unrealized gains	0	0
Held to maturity, gross unrealized losses	4,702	6,277
Held to maturity, fair value	$ 88,161	$ 86,563

Note 6 - Securities Available_4

Note 6 - Securities Available-for-Sale and Held-to-Maturity - Credit Rating (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Held to maturity, amortized cost	$ 402,237	$ 406,590
State, County and Municipal [Member]
Held to maturity, amortized cost	92,863	92,840
Moody's, Aaa Rating [Member] | State, County and Municipal [Member]
Held to maturity, amortized cost	16,791	18,096
Moody's, Aa 1 To A3 Rating [Member] | State, County and Municipal [Member]
Held to maturity, amortized cost	41,492	40,174
Not Rated [Member] | State, County and Municipal [Member]
Held to maturity, amortized cost	$ 34,580	$ 34,570

Note 6 - Investment Securitie_3

Note 6 - Investment Securities - Summary of Unrealized Losses (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Mortgage backed securities	$ 72,334	$ 115,852
Held to maturity, unrealized loss position, less than 12 months, fair value	0	32,941
Mortgage backed securities	2,344	12,865
Held to maturity, unrealized loss position, less than 12 months, unrealized losses	0	2,113
Mortgage backed securities	123,707	85,470
Held to maturity, unrealized loss position, 12 months or more, fair value	375,952	342,351
Mortgage backed securities	35,591	28,274
Held to maturity, unrealized loss position, 12 months or more, unrealized losses	26,285	29,185
Mortgage backed securities	196,041	201,322
Held to maturity, unrealized loss position, fair value	375,952	375,292
Mortgage backed securities	37,935	41,139
Held to maturity, unrealized loss position, unrealized losses	26,285	31,298
Collateralized Mortgage-Backed Securities [Member]
Mortgage backed securities	55,492	70,652
Held to maturity, unrealized loss position, less than 12 months, fair value	0	17,882
Mortgage backed securities	1,878	3,838
Held to maturity, unrealized loss position, less than 12 months, unrealized losses	0	1,332
Mortgage backed securities	36,256	26,320
Held to maturity, unrealized loss position, 12 months or more, fair value	284,137	267,212
Mortgage backed securities	7,070	6,245
Held to maturity, unrealized loss position, 12 months or more, unrealized losses	21,219	23,322
Mortgage backed securities	91,748	96,972
Held to maturity, unrealized loss position, fair value	284,137	285,094
Mortgage backed securities	8,948	10,083
Held to maturity, unrealized loss position, unrealized losses	21,219	24,654
US Government Agencies Debt Securities [Member]
Held to maturity, unrealized loss position, less than 12 months, fair value	0	0
Held to maturity, unrealized loss position, less than 12 months, unrealized losses	0	0
Held to maturity, unrealized loss position, 12 months or more, fair value	3,654	3,635
Held to maturity, unrealized loss position, 12 months or more, unrealized losses	364	367
Held to maturity, unrealized loss position, fair value	3,654	3,635
Held to maturity, unrealized loss position, unrealized losses	364	367
State, County and Municipal [Member]
Mortgage backed securities	16,842	45,200
Held to maturity, unrealized loss position, less than 12 months, fair value	0	15,059
Mortgage backed securities	466	9,027
Held to maturity, unrealized loss position, less than 12 months, unrealized losses	0	781
Mortgage backed securities	87,008	58,713
Held to maturity, unrealized loss position, 12 months or more, fair value	88,161	71,504
Mortgage backed securities	28,464	21,966
Held to maturity, unrealized loss position, 12 months or more, unrealized losses	4,702	5,496
Mortgage backed securities	103,850	103,913
Held to maturity, unrealized loss position, fair value	88,161	86,563
Mortgage backed securities	28,930	30,993
Held to maturity, unrealized loss position, unrealized losses	4,702	6,277
Other Securities [Member]
Mortgage backed securities	0	0
Mortgage backed securities	0	0
Mortgage backed securities	443	437
Mortgage backed securities	57	63
Mortgage backed securities	443	437
Mortgage backed securities	$ 57	$ 63

Note 6 - Investment Securitie_4

Note 6 - Investment Securities - Amortized Cost and Estimated Fair Value of Securities by Contractual Maturity ( (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Due in one year or less	$ 720
Due in one year or less	663
Due in one year or less	0
Due in one year or less	0
Due after one year through five years	3,155
Due after one year through five years	3,076
Due after one year through five years	0
Due after one year through five years	0
Due after five years through ten years	5,275
Due after five years through ten years	5,008
Due after five years through ten years	0
Due after ten years	126,017
Due after ten years	97,457
Due after ten years	96,881
Due after ten years	91,815
Available for sale, amortized cost	239,645	$ 242,461
Available for sale, fair value	201,740	201,322
Held to maturity, amortized cost	402,237	406,590
Held to maturity, fair value	375,952	$ 375,292
Residential Mortgage-Backed Securities [Member]
Available for sale, amortized cost	91,827
Available for sale, fair value	83,144
Held to maturity, amortized cost	246,433
Held to maturity, fair value	229,613
Commercial Mortgage-Backed Securities [Member]
Available for sale, amortized cost	12,651
Available for sale, fair value	12,392
Held to maturity, amortized cost	58,923
Held to maturity, fair value	$ 54,524

Note 7- LHFL and ACL (Details T

Note 7- LHFL and ACL (Details Textual) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Dec. 31, 2022
Financing Receivable, Modified, Accumulated	$ 2,050
Financing Receivable, Modified, Unused Commitments	0
Financing Receivable, Modified, Allowance for Credit Loss	100
Financing Receivable, Modified, Commitment to Lend	0
Financing Receivable, Excluding Accrued Interest, Modified, after 12 Months	0
Real Estate Segment [Member] | Family Mortgages 1-4 [Member]
Mortgage Loans in Process of Foreclosure, Amount	$ 0	$ 0

Note 7 - LHFL and ACL - Composi

Note 7 - LHFL and ACL - Composition of Net Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Land Development and Construction	$ 567,240	$ 585,591
ACL	(6,017)	(5,264)	$ (4,776)	$ (4,513)
Net LHFI	561,223	580,327
Consumer Portfolio Segment [Member]
ACL	(331)	(397)	$ (283)	$ (246)
Financial Assets Non Purchased Loans [Member]
Land Development and Construction	567,240	585,591
ACL	(6,017)	(5,264)
Net LHFI	561,223	580,327
Financial Assets Non Purchased Loans [Member] | Real Estate Segment [Member]
Land Development and Construction	470,707	472,857
Financial Assets Non Purchased Loans [Member] | Real Estate Segment [Member] | Land Development And Construction Loans [Member]
Land Development and Construction	53,528	52,731
Financial Assets Non Purchased Loans [Member] | Real Estate Segment [Member] | Farmland Loan [Member]
Land Development and Construction	11,423	11,437
Financial Assets Non Purchased Loans [Member] | Real Estate Segment [Member] | Family Mortgages 1-4 [Member]
Land Development and Construction	93,480	92,148
Financial Assets Non Purchased Loans [Member] | Real Estate Segment [Member] | Commercial Real Estate [Member]
Land Development and Construction	312,276	316,541
Financial Assets Non Purchased Loans [Member] | Business Loans [Member]
Land Development and Construction	80,681	97,004
Financial Assets Non Purchased Loans [Member] | Business Loans [Member] | Commercial and Industrial Loans [Member]
Land Development and Construction	80,207	96,500
Financial Assets Non Purchased Loans [Member] | Business Loans [Member] | Farm Production And Other Farm Loans Member
Land Development and Construction	474	504
Financial Assets Non Purchased Loans [Member] | Consumer Portfolio Segment [Member]
Land Development and Construction	15,852	15,730
Financial Assets Non Purchased Loans [Member] | Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Land Development and Construction	13,072	12,992
Financial Assets Non Purchased Loans [Member] | Consumer Portfolio Segment [Member] | Credit Card Receivable [Member]
Land Development and Construction	$ 2,780	$ 2,738

Note 7 - LHFL and ACL - Age Ana

Note 7 - LHFL and ACL - Age Analysis of Past Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Land Development and Construction	$ 1,099
Land Development and Construction	2,993	$ 2,988
Land Development and Construction	5	111
Real Estate Segment [Member]
Land Development and Construction	903
Land Development and Construction	2,647	2,683
Land Development and Construction	0	99
Real Estate Segment [Member] | Land Development And Construction Loans [Member]
Land Development and Construction	0
Land Development and Construction	2	0
Land Development and Construction	0	4
Real Estate Segment [Member] | Farmland Loan [Member]
Land Development and Construction	28
Land Development and Construction	108	117
Land Development and Construction	0	0
Real Estate Segment [Member] | Family Mortgages 1-4 [Member]
Land Development and Construction	184
Land Development and Construction	1,712	1,720
Land Development and Construction	0	0
Real Estate Segment [Member] | Commercial Real Estate Portfolio Segment [Member]
Land Development and Construction	691
Land Development and Construction	825	846
Land Development and Construction	0	95
Business Loans [Member]
Land Development and Construction	196
Land Development and Construction	307	281
Land Development and Construction	0	0
Business Loans [Member] | Commercial and Industrial Loans [Member]
Land Development and Construction	196
Land Development and Construction	307	281
Land Development and Construction	0	0
Business Loans [Member] | Farm Production And Other Farm Loans Member
Land Development and Construction	0
Land Development and Construction	0	0
Land Development and Construction	0	0
Consumer Portfolio Segment [Member]
Land Development and Construction	0
Land Development and Construction	39	24
Land Development and Construction	5	12
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member]
Land Development and Construction	0
Land Development and Construction	39	24
Land Development and Construction	0	0
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member]
Land Development and Construction	0
Land Development and Construction	0	0
Land Development and Construction	$ 5	$ 12

Note 7 - LHFL and ACL - Aging A

Note 7 - LHFL and ACL - Aging Analysis of Past Due Loans, Segregated by Class (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Land Development and Construction	$ 567,240	$ 585,591
Financial Assets Non Purchased Loans [Member]
Land Development and Construction	567,240	585,591
Total		585,591
Financial Asset, 30 to 89 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	3,107
Total		3,005
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	991
Total		1,271
Financial Asset, Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	4,098
Total		4,276
Financial Asset, Not Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	563,142
Total		581,315
Real Estate Segment [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	470,707	472,857
Real Estate Segment [Member] | Financial Asset, 30 to 89 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	2,650	2,770
Real Estate Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	720	959
Real Estate Segment [Member] | Financial Asset, Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	3,370	3,729
Real Estate Segment [Member] | Financial Asset, Not Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	467,337	469,128
Real Estate Segment [Member] | Land Development And Construction Loans [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	53,528	52,731
Real Estate Segment [Member] | Land Development And Construction Loans [Member] | Financial Asset, 30 to 89 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	250	0
Real Estate Segment [Member] | Land Development And Construction Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	0	4
Real Estate Segment [Member] | Land Development And Construction Loans [Member] | Financial Asset, Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	250	4
Real Estate Segment [Member] | Land Development And Construction Loans [Member] | Financial Asset, Not Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	53,278	52,727
Real Estate Segment [Member] | Farmland Loan [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	11,423	11,437
Real Estate Segment [Member] | Farmland Loan [Member] | Financial Asset, 30 to 89 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	233	38
Real Estate Segment [Member] | Farmland Loan [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	0	30
Real Estate Segment [Member] | Farmland Loan [Member] | Financial Asset, Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	233	68
Real Estate Segment [Member] | Farmland Loan [Member] | Financial Asset, Not Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	11,190	11,369
Real Estate Segment [Member] | Family Mortgages 1-4 [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	93,480	92,148
Real Estate Segment [Member] | Family Mortgages 1-4 [Member] | Financial Asset, 30 to 89 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	1,527	1,799
Real Estate Segment [Member] | Family Mortgages 1-4 [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	216	439
Real Estate Segment [Member] | Family Mortgages 1-4 [Member] | Financial Asset, Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	1,743	2,238
Real Estate Segment [Member] | Family Mortgages 1-4 [Member] | Financial Asset, Not Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	91,737	89,910
Real Estate Segment [Member] | Commercial Real Estate [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	312,276	316,541
Real Estate Segment [Member] | Commercial Real Estate [Member] | Financial Asset, 30 to 89 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	640	933
Real Estate Segment [Member] | Commercial Real Estate [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	504	486
Real Estate Segment [Member] | Commercial Real Estate [Member] | Financial Asset, Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	1,144	1,419
Real Estate Segment [Member] | Commercial Real Estate [Member] | Financial Asset, Not Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	311,132	315,122
Business Loans [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	80,681	97,004
Business Loans [Member] | Financial Asset, 30 to 89 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	271	113
Business Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	266	277
Business Loans [Member] | Financial Asset, Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	537	390
Business Loans [Member] | Financial Asset, Not Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	80,144	96,614
Business Loans [Member] | Commercial and Industrial Loans [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	80,207	96,500
Business Loans [Member] | Commercial and Industrial Loans [Member] | Financial Asset, 30 to 89 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	271	109
Business Loans [Member] | Commercial and Industrial Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	266	277
Business Loans [Member] | Commercial and Industrial Loans [Member] | Financial Asset, Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	537	386
Business Loans [Member] | Commercial and Industrial Loans [Member] | Financial Asset, Not Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	79,670	96,114
Business Loans [Member] | Farm Production And Other Farm Loans Member | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	474	504
Business Loans [Member] | Farm Production And Other Farm Loans Member | Financial Asset, 30 to 89 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	0	4
Business Loans [Member] | Farm Production And Other Farm Loans Member | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	0	0
Business Loans [Member] | Farm Production And Other Farm Loans Member | Financial Asset, Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	0	4
Business Loans [Member] | Farm Production And Other Farm Loans Member | Financial Asset, Not Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	474	500
Consumer Portfolio Segment [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	15,852	15,730
Consumer Portfolio Segment [Member] | Financial Asset, 30 to 89 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	186	122
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	5	35
Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	191	157
Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	15,661	15,573
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	13,072	12,992
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Financial Asset, 30 to 89 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	126	66
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	0	23
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Financial Asset, Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	126	89
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Financial Asset, Not Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	12,946	12,903
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	2,780	2,738
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member] | Financial Asset, 30 to 89 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	60	56
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	5	12
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member] | Financial Asset, Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	65	68
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member] | Financial Asset, Not Past Due [Member] | Financial Assets Non Purchased Loans [Member]
Land Development and Construction	$ 2,715	$ 2,670

Note 7 - LHFL and ACL - Impaire

Note 7 - LHFL and ACL - Impaired Loans, Segregated by Class of Loans (Details) $ in Thousands	12 Months Ended
	Dec. 31, 2022 USD ($)
Land Development and Construction	$ 3,547
Land Development and Construction	1,211
Land Development and Construction	2,066
Land Development and Construction	3,277
Land Development and Construction	116
Land Development and Construction	2,807
Real Estate Segment [Member]
Land Development and Construction	3,243
Land Development and Construction	1,015
Land Development and Construction	2,066
Land Development and Construction	3,081
Land Development and Construction	116
Land Development and Construction	2,593
Real Estate Segment [Member] | Land Development And Construction Loans [Member]
Land Development and Construction	0
Land Development and Construction	0
Land Development and Construction	0
Land Development and Construction	0
Land Development and Construction	0
Land Development and Construction	86
Real Estate Segment [Member] | Farmland Loan [Member]
Land Development and Construction	30
Land Development and Construction	30
Land Development and Construction	0
Land Development and Construction	30
Land Development and Construction	0
Land Development and Construction	32
Real Estate Segment [Member] | Family Mortgages 1-4 [Member]
Land Development and Construction	190
Land Development and Construction	190
Land Development and Construction	0
Land Development and Construction	190
Land Development and Construction	0
Land Development and Construction	479
Real Estate Segment [Member] | Commercial Real Estate Portfolio Segment [Member]
Land Development and Construction	3,023
Land Development and Construction	795
Land Development and Construction	2,066
Land Development and Construction	2,861
Land Development and Construction	116
Land Development and Construction	1,996
Business Loans [Member]
Land Development and Construction	304
Land Development and Construction	196
Land Development and Construction	0
Land Development and Construction	196
Land Development and Construction	0
Land Development and Construction	214
Business Loans [Member] | Commercial and Industrial Loans [Member]
Land Development and Construction	304
Land Development and Construction	196
Land Development and Construction	0
Land Development and Construction	196
Land Development and Construction	0
Land Development and Construction	$ 214

Note 7 - LHFL and ACL - Collate

Note 7 - LHFL and ACL - Collateral-dependent Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Land Development and Construction	$ 567,240	$ 585,591
Inventory [Member]
Land Development and Construction	92
Collateral Real Estate [Member]
Land Development and Construction	2,953
Collateral Receivables [Member]
Land Development and Construction	104
Collateral Pledged [Member]
Land Development and Construction	3,149
Real Estate Segment [Member] | Inventory [Member]
Land Development and Construction	0
Real Estate Segment [Member] | Collateral Real Estate [Member]
Land Development and Construction	2,953
Real Estate Segment [Member] | Collateral Receivables [Member]
Land Development and Construction	0
Real Estate Segment [Member] | Collateral Pledged [Member]
Land Development and Construction	2,953
Real Estate Segment [Member] | Land Development And Construction Loans [Member] | Inventory [Member]
Land Development and Construction	0
Real Estate Segment [Member] | Land Development And Construction Loans [Member] | Collateral Real Estate [Member]
Land Development and Construction	0
Real Estate Segment [Member] | Land Development And Construction Loans [Member] | Collateral Receivables [Member]
Land Development and Construction	0
Real Estate Segment [Member] | Land Development And Construction Loans [Member] | Collateral Pledged [Member]
Land Development and Construction	0
Real Estate Segment [Member] | Farmland Loan [Member] | Inventory [Member]
Land Development and Construction	0
Real Estate Segment [Member] | Farmland Loan [Member] | Collateral Real Estate [Member]
Land Development and Construction	28
Real Estate Segment [Member] | Farmland Loan [Member] | Collateral Receivables [Member]
Land Development and Construction	0
Real Estate Segment [Member] | Farmland Loan [Member] | Collateral Pledged [Member]
Land Development and Construction	28
Real Estate Segment [Member] | Family Mortgages 1-4 [Member] | Inventory [Member]
Land Development and Construction	0
Real Estate Segment [Member] | Family Mortgages 1-4 [Member] | Collateral Real Estate [Member]
Land Development and Construction	184
Real Estate Segment [Member] | Family Mortgages 1-4 [Member] | Collateral Receivables [Member]
Land Development and Construction	0
Real Estate Segment [Member] | Family Mortgages 1-4 [Member] | Collateral Pledged [Member]
Land Development and Construction	184
Real Estate Segment [Member] | Commercial Real Estate [Member] | Inventory [Member]
Land Development and Construction	0
Real Estate Segment [Member] | Commercial Real Estate [Member] | Collateral Real Estate [Member]
Land Development and Construction	2,741
Real Estate Segment [Member] | Commercial Real Estate [Member] | Collateral Receivables [Member]
Land Development and Construction	0
Real Estate Segment [Member] | Commercial Real Estate [Member] | Collateral Pledged [Member]
Land Development and Construction	2,741
Business Loans [Member] | Inventory [Member]
Land Development and Construction	92
Business Loans [Member] | Collateral Real Estate [Member]
Land Development and Construction	0
Business Loans [Member] | Collateral Receivables [Member]
Land Development and Construction	104
Business Loans [Member] | Collateral Pledged [Member]
Land Development and Construction	196
Business Loans [Member] | Commercial and Industrial Loans [Member] | Inventory [Member]
Land Development and Construction	92
Business Loans [Member] | Commercial and Industrial Loans [Member] | Collateral Real Estate [Member]
Land Development and Construction	0
Business Loans [Member] | Commercial and Industrial Loans [Member] | Collateral Receivables [Member]
Land Development and Construction	104
Business Loans [Member] | Commercial and Industrial Loans [Member] | Collateral Pledged [Member]
Land Development and Construction	196
Business Loans [Member] | Farm Production And Other Farm Loans Member | Inventory [Member]
Land Development and Construction	0
Business Loans [Member] | Farm Production And Other Farm Loans Member | Collateral Real Estate [Member]
Land Development and Construction	0
Business Loans [Member] | Farm Production And Other Farm Loans Member | Collateral Receivables [Member]
Land Development and Construction	0
Business Loans [Member] | Farm Production And Other Farm Loans Member | Collateral Pledged [Member]
Land Development and Construction	$ 0

Note 7 - LHFL and ACL - Detaile

Note 7 - LHFL and ACL - Detailed Amount of Gross Loans Segregated by Loan Grade and Class (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Loans orginated before latest fiscal year	$ 7,876
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	11,051
Loans originated, revolving loans	10,546
Total loans	567,240	$ 585,591
Less ACL	(6,017)	(5,264)	$ (4,776)	$ (4,513)
Net LHFI	561,223	580,327
Financial Assets Non Purchased Loans [Member]
Loans originated in current year	16,054
Loans orginated before latest fiscal year	118,961
Loans orginated two years before latest fiscal year	97,263
Loans originated three years before latest fiscal year	99,122
Loans originated four years before latest fiscal year	67,735
Loans originated five or more years before latest fiscal year	92,145
Loans originated, revolving loans	75,960
Total loans	567,240	585,591
Satisfactory - Categories 1-4	97,263
Less ACL	(6,017)	(5,264)
Net LHFI	561,223	580,327
Financial Assets Non Purchased Loans [Member] | Pass [Member]
Total loans		528,720
Financial Assets Non Purchased Loans [Member] | Special Mention [Member]
Total loans		17,396
Financial Assets Non Purchased Loans [Member] | Substandard [Member]
Total loans		39,470
Financial Assets Non Purchased Loans [Member] | Doubtful [Member]
Total loans		0
Financial Assets Non Purchased Loans [Member] | Unlikely to be Collected Financing Receivable [Member]
Total loans		5
Real Estate Segment [Member] | Financial Assets Non Purchased Loans [Member]
Loans originated in current year	11,952
Loans orginated before latest fiscal year	88,647
Loans orginated two years before latest fiscal year	89,091
Loans originated three years before latest fiscal year	83,447
Loans originated four years before latest fiscal year	59,799
Loans originated five or more years before latest fiscal year	78,351
Loans originated, revolving loans	59,420
Total loans	470,707	472,857
Satisfactory - Categories 1-4	89,091
Real Estate Segment [Member] | Financial Assets Non Purchased Loans [Member] | Pass [Member]
Total loans		421,609
Real Estate Segment [Member] | Financial Assets Non Purchased Loans [Member] | Special Mention [Member]
Total loans		12,487
Real Estate Segment [Member] | Financial Assets Non Purchased Loans [Member] | Substandard [Member]
Total loans		38,761
Real Estate Segment [Member] | Financial Assets Non Purchased Loans [Member] | Doubtful [Member]
Total loans		0
Real Estate Segment [Member] | Financial Assets Non Purchased Loans [Member] | Unlikely to be Collected Financing Receivable [Member]
Total loans		0
Real Estate Segment [Member] | Land Development And Construction Loans [Member] | Financial Assets Non Purchased Loans [Member]
Loans originated in current year	2,496
Loans orginated before latest fiscal year	9,259
Loans orginated two years before latest fiscal year	7,245
Loans originated three years before latest fiscal year	7,982
Loans originated four years before latest fiscal year	950
Loans originated five or more years before latest fiscal year	1,171
Loans originated, revolving loans	24,425
Total loans	53,528	52,731
Satisfactory - Categories 1-4	7,245
Real Estate Segment [Member] | Land Development And Construction Loans [Member] | Financial Assets Non Purchased Loans [Member] | Pass [Member]
Loans originated in current year	2,496
Loans orginated two years before latest fiscal year	6,566
Loans originated three years before latest fiscal year	7,982
Loans originated four years before latest fiscal year	950
Loans originated five or more years before latest fiscal year	1,167
Loans originated, revolving loans	24,425
Total loans	51,462	50,015
Satisfactory - Categories 1-4	6,566
Real Estate Segment [Member] | Land Development And Construction Loans [Member] | Financial Assets Non Purchased Loans [Member] | Special Mention [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	1,104
Loans orginated two years before latest fiscal year	679
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	0
Total loans	1,783	2,427
Satisfactory - Categories 1-4	679
Real Estate Segment [Member] | Land Development And Construction Loans [Member] | Financial Assets Non Purchased Loans [Member] | Substandard [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	279
Loans orginated two years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	4
Loans originated, revolving loans	0
Total loans	283	289
Satisfactory - Categories 1-4	0
Real Estate Segment [Member] | Land Development And Construction Loans [Member] | Financial Assets Non Purchased Loans [Member] | Doubtful [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	0
Total loans	0	0
Satisfactory - Categories 1-4	0
Real Estate Segment [Member] | Land Development And Construction Loans [Member] | Financial Assets Non Purchased Loans [Member] | Unlikely to be Collected Financing Receivable [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	0
Total loans	0	0
Satisfactory - Categories 1-4	0
Real Estate Segment [Member] | Farmland Loan [Member] | Financial Assets Non Purchased Loans [Member]
Loans originated in current year	315
Loans orginated before latest fiscal year	1,867
Loans orginated two years before latest fiscal year	1,548
Loans originated three years before latest fiscal year	2,077
Loans originated four years before latest fiscal year	3,420
Loans originated five or more years before latest fiscal year	1,311
Loans originated, revolving loans	885
Total loans	11,423	11,437
Satisfactory - Categories 1-4	1,548
Real Estate Segment [Member] | Farmland Loan [Member] | Financial Assets Non Purchased Loans [Member] | Pass [Member]
Loans originated in current year	315
Loans orginated before latest fiscal year	1,830
Loans orginated two years before latest fiscal year	1,443
Loans originated three years before latest fiscal year	2,066
Loans originated four years before latest fiscal year	3,253
Loans originated five or more years before latest fiscal year	1,222
Loans originated, revolving loans	885
Total loans	11,014	10,832
Satisfactory - Categories 1-4	1,443
Real Estate Segment [Member] | Farmland Loan [Member] | Financial Assets Non Purchased Loans [Member] | Special Mention [Member]
Loans originated in current year	0
Loans orginated two years before latest fiscal year	88
Loans originated three years before latest fiscal year	135
Loans originated four years before latest fiscal year	138
Loans originated five or more years before latest fiscal year	38
Loans originated, revolving loans	0
Total loans	264	269
Satisfactory - Categories 1-4	88
Real Estate Segment [Member] | Farmland Loan [Member] | Financial Assets Non Purchased Loans [Member] | Substandard [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	37
Loans orginated two years before latest fiscal year	17
Loans originated three years before latest fiscal year	11
Loans originated four years before latest fiscal year	29
Loans originated five or more years before latest fiscal year	51
Loans originated, revolving loans	0
Total loans	145	336
Satisfactory - Categories 1-4	17
Real Estate Segment [Member] | Farmland Loan [Member] | Financial Assets Non Purchased Loans [Member] | Doubtful [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	0
Total loans	0	0
Satisfactory - Categories 1-4	0
Real Estate Segment [Member] | Farmland Loan [Member] | Financial Assets Non Purchased Loans [Member] | Unlikely to be Collected Financing Receivable [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	0
Total loans	0	0
Satisfactory - Categories 1-4	0
Real Estate Segment [Member] | Family Mortgages 1-4 [Member] | Financial Assets Non Purchased Loans [Member]
Loans originated in current year	4,356
Loans orginated before latest fiscal year	20,906
Loans orginated two years before latest fiscal year	13,216
Loans originated three years before latest fiscal year	13,158
Loans originated four years before latest fiscal year	11,493
Loans originated five or more years before latest fiscal year	12,853
Loans originated, revolving loans	17,498
Total loans	93,480	92,148
Satisfactory - Categories 1-4	13,216
Real Estate Segment [Member] | Family Mortgages 1-4 [Member] | Financial Assets Non Purchased Loans [Member] | Pass [Member]
Loans originated in current year	4,356
Loans orginated before latest fiscal year	20,671
Loans orginated two years before latest fiscal year	12,882
Loans originated three years before latest fiscal year	12,645
Loans originated five or more years before latest fiscal year	9,529
Loans originated, revolving loans	16,911
Total loans	88,045	85,861
Satisfactory - Categories 1-4	12,882
Real Estate Segment [Member] | Family Mortgages 1-4 [Member] | Financial Assets Non Purchased Loans [Member] | Special Mention [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	198
Loans orginated two years before latest fiscal year	46
Loans originated four years before latest fiscal year	305
Loans originated five or more years before latest fiscal year	984
Loans originated, revolving loans	176
Total loans	1,844	1,816
Satisfactory - Categories 1-4	46
Real Estate Segment [Member] | Family Mortgages 1-4 [Member] | Financial Assets Non Purchased Loans [Member] | Substandard [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	37
Loans orginated two years before latest fiscal year	288
Loans originated three years before latest fiscal year	378
Loans originated four years before latest fiscal year	137
Loans originated five or more years before latest fiscal year	2,340
Loans originated, revolving loans	411
Total loans	3,591	4,471
Satisfactory - Categories 1-4	288
Real Estate Segment [Member] | Family Mortgages 1-4 [Member] | Financial Assets Non Purchased Loans [Member] | Doubtful [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	0
Total loans	0	0
Satisfactory - Categories 1-4	0
Real Estate Segment [Member] | Family Mortgages 1-4 [Member] | Financial Assets Non Purchased Loans [Member] | Unlikely to be Collected Financing Receivable [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	0
Total loans	0	0
Satisfactory - Categories 1-4	0
Real Estate Segment [Member] | Commercial Real Estate [Member] | Financial Assets Non Purchased Loans [Member]
Loans originated in current year	4,785
Loans orginated before latest fiscal year	56,615
Loans orginated two years before latest fiscal year	67,082
Loans originated three years before latest fiscal year	60,230
Loans originated four years before latest fiscal year	43,936
Loans originated five or more years before latest fiscal year	63,016
Loans originated, revolving loans	16,612
Total loans	312,276	316,541
Satisfactory - Categories 1-4	67,082
Real Estate Segment [Member] | Commercial Real Estate [Member] | Financial Assets Non Purchased Loans [Member] | Pass [Member]
Loans originated in current year	4,719
Loans orginated before latest fiscal year	53,935
Loans orginated two years before latest fiscal year	61,039
Loans originated three years before latest fiscal year	56,352
Loans originated four years before latest fiscal year	42,180
Loans originated five or more years before latest fiscal year	36,853
Loans originated, revolving loans	16,612
Total loans	271,690	274,901
Satisfactory - Categories 1-4	61,039
Real Estate Segment [Member] | Commercial Real Estate [Member] | Financial Assets Non Purchased Loans [Member] | Special Mention [Member]
Loans originated in current year	66
Loans orginated before latest fiscal year	2,493
Loans orginated two years before latest fiscal year	2,285
Loans originated three years before latest fiscal year	1,073
Loans originated four years before latest fiscal year	1,487
Loans originated five or more years before latest fiscal year	463
Loans originated, revolving loans	0
Total loans	7,867	7,975
Satisfactory - Categories 1-4	2,285
Real Estate Segment [Member] | Commercial Real Estate [Member] | Financial Assets Non Purchased Loans [Member] | Substandard [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	187
Loans orginated two years before latest fiscal year	3,758
Loans originated three years before latest fiscal year	2,805
Loans originated four years before latest fiscal year	269
Loans originated five or more years before latest fiscal year	25,700
Loans originated, revolving loans	0
Total loans	32,719	33,665
Satisfactory - Categories 1-4	3,758
Real Estate Segment [Member] | Commercial Real Estate [Member] | Financial Assets Non Purchased Loans [Member] | Doubtful [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	0
Total loans	0	0
Satisfactory - Categories 1-4	0
Real Estate Segment [Member] | Commercial Real Estate [Member] | Financial Assets Non Purchased Loans [Member] | Unlikely to be Collected Financing Receivable [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	0
Total loans	0	0
Satisfactory - Categories 1-4	0
Consumer Portfolio Segment [Member]
Less ACL	(331)	(397)	$ (283)	$ (246)
Consumer Portfolio Segment [Member] | Financial Assets Non Purchased Loans [Member]
Total loans	15,852	15,730
Consumer Portfolio Segment [Member] | Financial Assets Non Purchased Loans [Member] | Pass [Member]
Total loans		15,604
Consumer Portfolio Segment [Member] | Financial Assets Non Purchased Loans [Member] | Special Mention [Member]
Total loans		7
Consumer Portfolio Segment [Member] | Financial Assets Non Purchased Loans [Member] | Substandard [Member]
Total loans		119
Consumer Portfolio Segment [Member] | Financial Assets Non Purchased Loans [Member] | Doubtful [Member]
Loans originated three years before latest fiscal year	0
Total loans		0
Consumer Portfolio Segment [Member] | Financial Assets Non Purchased Loans [Member] | Unlikely to be Collected Financing Receivable [Member]
Loans originated four years before latest fiscal year	0
Total loans		0
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member] | Financial Assets Non Purchased Loans [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	2,780
Total loans	2,780	2,738
Satisfactory - Categories 1-4	0
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member] | Financial Assets Non Purchased Loans [Member] | Pass [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	2,775
Total loans	2,775	2,670
Satisfactory - Categories 1-4	0
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member] | Financial Assets Non Purchased Loans [Member] | Special Mention [Member]
Loans orginated before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Total loans		0
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member] | Financial Assets Non Purchased Loans [Member] | Substandard [Member]
Total loans		68
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member] | Financial Assets Non Purchased Loans [Member] | Doubtful [Member]
Total loans		0
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member] | Financial Assets Non Purchased Loans [Member] | Unlikely to be Collected Financing Receivable [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	5
Total loans	5	0
Satisfactory - Categories 1-4	0
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Financial Assets Non Purchased Loans [Member]
Loans originated in current year	2,396
Loans orginated before latest fiscal year	5,721
Loans orginated two years before latest fiscal year	2,481
Loans originated three years before latest fiscal year	949
Loans originated four years before latest fiscal year	963
Loans originated five or more years before latest fiscal year	322
Loans originated, revolving loans	240
Total loans	13,072	12,992
Satisfactory - Categories 1-4	2,481
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Financial Assets Non Purchased Loans [Member] | Pass [Member]
Loans originated in current year	2,158
Loans orginated before latest fiscal year	5,697
Loans orginated two years before latest fiscal year	2,454
Loans originated three years before latest fiscal year	946
Loans originated four years before latest fiscal year	962
Loans originated five or more years before latest fiscal year	317
Loans originated, revolving loans	240
Total loans	12,774	12,934
Satisfactory - Categories 1-4	2,454
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Financial Assets Non Purchased Loans [Member] | Special Mention [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	4
Loans originated, revolving loans	0
Total loans	4	7
Satisfactory - Categories 1-4	0
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Financial Assets Non Purchased Loans [Member] | Substandard [Member]
Loans originated in current year	238
Loans orginated before latest fiscal year	24
Loans orginated two years before latest fiscal year	27
Loans originated three years before latest fiscal year	3
Loans originated four years before latest fiscal year	1
Loans originated five or more years before latest fiscal year	1
Loans originated, revolving loans	0
Total loans	294	51
Satisfactory - Categories 1-4	27
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Financial Assets Non Purchased Loans [Member] | Doubtful [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	0
Total loans	0	0
Satisfactory - Categories 1-4	0
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member] | Financial Assets Non Purchased Loans [Member] | Unlikely to be Collected Financing Receivable [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	0
Total loans	0	0
Satisfactory - Categories 1-4	0
Business Loans [Member] | Financial Assets Non Purchased Loans [Member]
Loans originated in current year	1,706
Loans orginated before latest fiscal year	24,593
Loans orginated two years before latest fiscal year	5,691
Loans originated three years before latest fiscal year	14,726
Loans originated four years before latest fiscal year	6,973
Loans originated five or more years before latest fiscal year	13,472
Loans originated, revolving loans	13,520
Total loans	80,681	97,004
Satisfactory - Categories 1-4	5,691
Business Loans [Member] | Financial Assets Non Purchased Loans [Member] | Pass [Member]
Total loans		91,507
Business Loans [Member] | Financial Assets Non Purchased Loans [Member] | Special Mention [Member]
Total loans		4,902
Business Loans [Member] | Financial Assets Non Purchased Loans [Member] | Substandard [Member]
Total loans		590
Business Loans [Member] | Financial Assets Non Purchased Loans [Member] | Doubtful [Member]
Total loans		0
Business Loans [Member] | Financial Assets Non Purchased Loans [Member] | Unlikely to be Collected Financing Receivable [Member]
Total loans		5
Business Loans [Member] | Commercial and Industrial Loans [Member] | Financial Assets Non Purchased Loans [Member]
Loans originated in current year	1,706
Loans orginated before latest fiscal year	24,321
Loans orginated two years before latest fiscal year	5,684
Loans originated three years before latest fiscal year	14,717
Loans originated four years before latest fiscal year	6,973
Loans originated five or more years before latest fiscal year	13,377
Loans originated, revolving loans	13,429
Total loans	80,207	96,500
Satisfactory - Categories 1-4	5,684
Business Loans [Member] | Commercial and Industrial Loans [Member] | Financial Assets Non Purchased Loans [Member] | Pass [Member]
Loans originated in current year	1,706
Loans orginated before latest fiscal year	24,185
Loans orginated two years before latest fiscal year	5,629
Loans originated three years before latest fiscal year	14,380
Loans originated four years before latest fiscal year	6,906
Loans originated five or more years before latest fiscal year	11,748
Total loans	75,100	91,016
Satisfactory - Categories 1-4	5,629
Business Loans [Member] | Commercial and Industrial Loans [Member] | Financial Assets Non Purchased Loans [Member] | Special Mention [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	133
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	337
Loans originated four years before latest fiscal year	8
Loans originated five or more years before latest fiscal year	1,368
Loans originated, revolving loans	2,811
Total loans	4,657	4,902
Satisfactory - Categories 1-4	0
Business Loans [Member] | Commercial and Industrial Loans [Member] | Financial Assets Non Purchased Loans [Member] | Substandard [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	3
Loans orginated two years before latest fiscal year	55
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	59
Loans originated five or more years before latest fiscal year	261
Loans originated, revolving loans	72
Total loans	450	577
Satisfactory - Categories 1-4	55
Business Loans [Member] | Commercial and Industrial Loans [Member] | Financial Assets Non Purchased Loans [Member] | Doubtful [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	0
Total loans	0	0
Satisfactory - Categories 1-4	0
Business Loans [Member] | Commercial and Industrial Loans [Member] | Financial Assets Non Purchased Loans [Member] | Unlikely to be Collected Financing Receivable [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	0
Total loans	0	5
Satisfactory - Categories 1-4	0
Business Loans [Member] | Farm Production And Other Farm Loans Member | Financial Assets Non Purchased Loans [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	272
Loans orginated two years before latest fiscal year	7
Loans originated three years before latest fiscal year	9
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	95
Loans originated, revolving loans	91
Total loans	474	504
Satisfactory - Categories 1-4	7
Business Loans [Member] | Farm Production And Other Farm Loans Member | Financial Assets Non Purchased Loans [Member] | Pass [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	272
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	9
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	92
Loans originated, revolving loans	91
Total loans	464	491
Satisfactory - Categories 1-4	0
Business Loans [Member] | Farm Production And Other Farm Loans Member | Financial Assets Non Purchased Loans [Member] | Special Mention [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	0
Total loans	0	0
Satisfactory - Categories 1-4	0
Business Loans [Member] | Farm Production And Other Farm Loans Member | Financial Assets Non Purchased Loans [Member] | Substandard [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	7
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	3
Loans originated, revolving loans	0
Total loans	10	13
Satisfactory - Categories 1-4	7
Business Loans [Member] | Farm Production And Other Farm Loans Member | Financial Assets Non Purchased Loans [Member] | Doubtful [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	0
Total loans	0	0
Satisfactory - Categories 1-4	0
Business Loans [Member] | Farm Production And Other Farm Loans Member | Financial Assets Non Purchased Loans [Member] | Unlikely to be Collected Financing Receivable [Member]
Loans originated in current year	0
Loans orginated before latest fiscal year	0
Loans orginated two years before latest fiscal year	0
Loans originated three years before latest fiscal year	0
Loans originated four years before latest fiscal year	0
Loans originated five or more years before latest fiscal year	0
Loans originated, revolving loans	0
Total loans	0	$ 0
Satisfactory - Categories 1-4	$ 0

Note 8 - ACL on LHFI (Details T

Note 8 - ACL on LHFI (Details Textual) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Provision for credit losses ("PCL")	$ 47	$ 93
Off-Balance-Sheet, Credit Loss, Liability, Credit Loss Expense (Reversal)	$ (41)

Note 8 - ACL on LHFI - Allowanc

Note 8 - ACL on LHFI - Allowance for Loan Losses by Portfolio Segment (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022	Jan. 01, 2023
Beginning Balance, January 1, 2023	$ 5,264	$ 4,513
Provision for credit losses (PCL)	47	93
Provision for credit losses ("PCL")	47	93
Chargeoffs	33	82
Recoveries	104	252
Net recoveries	(71)	(170)
Ending Balance	6,017	4,776
Loans individually evaluated for impairment	100	0
Loans collectively evaluated for impairment	5,917	4,776
Ending Balance, March 31, 2023	6,017	4,776
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Beginning Balance, January 1, 2023	635
Ending Balance, March 31, 2023			$ 634
Commercial Real Estate Portfolio Segment [Member]
Beginning Balance, January 1, 2023	4,154	3,622
Provision for credit losses (PCL)	(46)	170
Provision for credit losses ("PCL")	(46)	170
Chargeoffs	1	0
Recoveries	26	50
Net recoveries	(25)	(50)
Ending Balance	4,798	3,842
Loans individually evaluated for impairment	100	0
Loans collectively evaluated for impairment	4,698	3,842
Ending Balance, March 31, 2023	4,798	3,842
Commercial Real Estate Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Beginning Balance, January 1, 2023	665
Ending Balance, March 31, 2023
Commercial Portfolio Segment [Member]
Beginning Balance, January 1, 2023	713	645
Provision for credit losses (PCL)	112	57
Provision for credit losses ("PCL")	112	57
Chargeoffs	0	56
Recoveries	7	5
Net recoveries	(7)	51
Ending Balance	888	651
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	888	651
Ending Balance, March 31, 2023	888	651
Commercial Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Beginning Balance, January 1, 2023	56
Ending Balance, March 31, 2023
Consumer Portfolio Segment [Member]
Beginning Balance, January 1, 2023	397	246
Provision for credit losses (PCL)	(19)	(134)
Provision for credit losses ("PCL")	(19)	(134)
Chargeoffs	32	26
Recoveries	71	197
Net recoveries	(39)	(171)
Ending Balance	331	283
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	331	283
Ending Balance, March 31, 2023	331	$ 283
Consumer Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Beginning Balance, January 1, 2023	$ (86)
Ending Balance, March 31, 2023

Note 8 - ACL on LHFI - Net Char

Note 8 - ACL on LHFI - Net Charge-offs (Recoveries) by Portfolio (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Commercial Real Estate	$ 0
Commercial Real Estate	2
Commercial Real Estate	0
Commercial Real Estate	4
Commercial Real Estate	0
Commercial Real Estate	1
Commercial Real Estate	26
Commercial Real Estate	33	$ 82
Real Estate Loan [Member]
Commercial Real Estate	0
Commercial Real Estate	0
Commercial Real Estate	0
Commercial Real Estate	0
Commercial Real Estate	0
Commercial Real Estate	1
Commercial Real Estate	0
Commercial Real Estate	1
Commercial Real Estate Portfolio Segment [Member]
Commercial Real Estate	1	0
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Commercial Real Estate	0
Commercial Real Estate	0
Commercial Real Estate	0
Commercial Real Estate	0
Commercial Real Estate	0
Commercial Real Estate	1
Commercial Real Estate	0
Commercial Real Estate	1
Consumer Portfolio Segment [Member]
Commercial Real Estate	32	$ 26
Consumer Portfolio Segment [Member] | Other Consumer Loans [Member]
Commercial Real Estate	0
Commercial Real Estate	2
Commercial Real Estate	0
Commercial Real Estate	4
Commercial Real Estate	0
Commercial Real Estate	0
Commercial Real Estate	0
Commercial Real Estate	6
Consumer Portfolio Segment [Member] | Credit Card Receivable [Member]
Commercial Real Estate	0
Commercial Real Estate	0
Commercial Real Estate	0
Commercial Real Estate	0
Commercial Real Estate	0
Commercial Real Estate	0
Commercial Real Estate	26
Commercial Real Estate	$ 26

Note 8 - ACL on LHFI - Off-bala

Note 8 - ACL on LHFI - Off-balance Sheet Credit (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2023 USD ($)
Beginning balance	$ 0
PCL for off-balance sheet credit exposure	(41)
Ending Balance	636
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance	$ 677

Note 9 - Secured Line of Cred_3

Note 9 - Secured Line of Credit (Details Textual) - Revolving Credit Facility [Member] - First Horizon Bank [Member] - USD ($) $ in Millions	Mar. 31, 2023	Jun. 09, 2021
Line of Credit Facility, Maximum Borrowing Capacity		$ 20
Line of Credit Facility, Interest Rate at Period End	8%	3.25%
Percentage of Unusual Line Fee, Rate	0.25%

Note 9 - Secured Line of Cred_4

Note 9 - Secured Line of Credit - Secured Line of Credit (Details) - USD ($) $ in Millions	Mar. 31, 2023	Dec. 31, 2022
Funded balance	$ 18	$ 18
Letter of Credit [Member] | Funded Balance [Member]
Funded balance		18
Funded Balance [Member] | Letter of Credit [Member]
Funded balance	18
Unfunded Balance [Member]
Funded balance	$ 2	$ 2

Note 10 - Shareholders' Equity

Note 10 - Shareholders' Equity - Summary of Capital Structure Activity (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Balance, January 1, 2023	$ 39,025	$ 105,900
Net income	$ 1,140	$ 2,036
Dividends paid, per share (in dollars per share)	$ 0.24	$ 0.24
Dividends paid ($0.24 per share)	$ (1,346)	$ (1,343)
Stock compensation expense	40	39
Restricted stock granted	0
Other comprehensive loss, net	3,248	(43,682)
Balance, March 31, 2023	41,123	$ 62,950
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance, January 1, 2023	$ (984)
Common Stock [Member]
Balance, January 1, 2023 (in shares)	5,603,570	5,595,320
Balance, January 1, 2023	$ 1,122	$ 1,120
Net income	0	0
Dividends paid ($0.24 per share)	0	0
Stock compensation expense	$ 0	0
Restricted stock granted (in shares)	3,868
Restricted stock granted	$ 0
Other comprehensive loss, net	$ 0	$ 0
Balance, March 31, 2022 (in shares)	5,607,438	5,595,320
Balance, March 31, 2023	$ 1,122	$ 1,120
Additional Paid-in Capital [Member]
Balance, January 1, 2023	18,448	18,293
Net income	0	0
Dividends paid ($0.24 per share)	0	0
Stock compensation expense	40	39
Restricted stock granted	0
Other comprehensive loss, net	0	0
Balance, March 31, 2023	18,488	18,332
AOCI Attributable to Parent [Member]
Balance, January 1, 2023	(83,070)	(11,795)
Net income	0	0
Dividends paid ($0.24 per share)	0	0
Stock compensation expense	0	0
Restricted stock granted	0
Other comprehensive loss, net	3,248	(43,682)
Balance, March 31, 2023	(79,822)	(55,477)
Retained Earnings [Member]
Balance, January 1, 2023	102,525	98,282
Net income	1,140	2,036
Dividends paid ($0.24 per share)	(1,346)	(1,343)
Stock compensation expense	0	0
Restricted stock granted	0
Other comprehensive loss, net	0	0
Balance, March 31, 2023	101,335	$ 98,975
Retained Earnings [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance, January 1, 2023	$ (984)

Note 10 - Shareholders' Equit_2

Note 10 - Shareholders' Equity - Summary of Capital Structure Activity (Details) (Parentheticals) - $ / shares	3 Months Ended
	Mar. 31, 2023	Mar. 31, 2022
Dividends paid, per share (in dollars per share)	$ 0.24	$ 0.24

Note 11 - Fair Values of Fina_3

Note 11 - Fair Values of Financial Instruments (Details Textual) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022	Mar. 31, 2022	Dec. 31, 2021
Land Development and Construction	$ 567,240	$ 585,591
Ending Balance, March 31, 2023	6,017	5,264	$ 4,776	$ 4,513
Impaired Loans [Member]
Land Development and Construction	2,050	2,190
Ending Balance, March 31, 2023	$ 100	$ 116

Note 11 - Fair Values of Fina_4

Note 11 - Fair Values of Financial Instruments - Investment Securities Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Mortgage-backed securities	$ 201,740	$ 201,322
Collateralized Mortgage-Backed Securities [Member]
Mortgage-backed securities	95,536	96,972
State, County and Municipal [Member]
Mortgage-backed securities	105,761	103,913
Other Debt Obligations [Member]
Mortgage-backed securities	443	437
Fair Value, Recurring [Member]
Mortgage-backed securities	201,740	201,322
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Mortgage-backed securities	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Mortgage-backed securities	201,740	201,322
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Mortgage-backed securities	0	0
Fair Value, Recurring [Member] | Collateralized Mortgage-Backed Securities [Member]
Mortgage-backed securities	95,536	96,972
Fair Value, Recurring [Member] | Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Mortgage-backed securities	0	0
Fair Value, Recurring [Member] | Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Mortgage-backed securities	95,536	96,972
Fair Value, Recurring [Member] | Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Mortgage-backed securities	0	0
Fair Value, Recurring [Member] | State, County and Municipal [Member]
Mortgage-backed securities	105,761	103,913
Fair Value, Recurring [Member] | State, County and Municipal [Member] | Fair Value, Inputs, Level 1 [Member]
Mortgage-backed securities	0	0
Fair Value, Recurring [Member] | State, County and Municipal [Member] | Fair Value, Inputs, Level 2 [Member]
Mortgage-backed securities	105,761	103,913
Fair Value, Recurring [Member] | State, County and Municipal [Member] | Fair Value, Inputs, Level 3 [Member]
Mortgage-backed securities	0	0
Fair Value, Recurring [Member] | Other Debt Obligations [Member]
Mortgage-backed securities	443	437
Fair Value, Recurring [Member] | Other Debt Obligations [Member] | Fair Value, Inputs, Level 1 [Member]
Mortgage-backed securities	0	0
Fair Value, Recurring [Member] | Other Debt Obligations [Member] | Fair Value, Inputs, Level 2 [Member]
Mortgage-backed securities	443	437
Fair Value, Recurring [Member] | Other Debt Obligations [Member] | Fair Value, Inputs, Level 3 [Member]
Mortgage-backed securities	$ 0	$ 0

Note 11 - Fair Values of Fina_5

Note 11 - Fair Values of Financial Instruments - Assets Measured on Nonrecurring Basis (Details) - Fair Value, Nonrecurring [Member] - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Impaired loans	$ 1,950	$ 2,074
Total	1,950	2,074
Fair Value, Inputs, Level 1 [Member]
Impaired loans	0	0
Total	0	0
Fair Value, Inputs, Level 2 [Member]
Impaired loans	0	0
Total	0	0
Fair Value, Inputs, Level 3 [Member]
Impaired loans	1,950	2,074
Total	$ 1,950	$ 2,074

Note 11 - Fair Values of Fina_6

Note 11 - Fair Values of Financial Instruments - Carrying Value and Estimated Value of Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2023	Dec. 31, 2022
Mortgage-backed securities	$ 201,740	$ 201,322
Reported Value Measurement [Member]
Securities held-to-maturity	402,237	406,590
Mortgage-backed securities	201,740	201,322
Net LHFI	561,223	580,327
Deposits	1,115,826	1,126,402
Securities sold under agreement to repurchase	98,532	127,574
Short-term borrowings	1,725
Borrowings on secured line of credit	18,000	18,000
Reported Value Measurement [Member] | Cash [Member]
Cash and due from banks	15,600	26,948
Reported Value Measurement [Member] | Interest-Bearing Deposits [Member]
Cash and due from banks	606	1,646
Estimate of Fair Value Measurement [Member]
Securities held-to-maturity	375,952	375,292
Mortgage-backed securities	201,740	201,322
Net LHFI	521,259	541,173
Deposits	1,116,972	1,126,381
Securities sold under agreement to repurchase	98,532	127,574
Short-term borrowings	1,725
Borrowings on secured line of credit	18,000	18,000
Estimate of Fair Value Measurement [Member] | Cash [Member]
Cash and due from banks	15,600	26,948
Estimate of Fair Value Measurement [Member] | Interest-Bearing Deposits [Member]
Cash and due from banks	606	1,646
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member]
Securities held-to-maturity	0	0
Mortgage-backed securities	0	0
Net LHFI	0	0
Deposits	929,637	947,479
Securities sold under agreement to repurchase	98,532	127,574
Short-term borrowings	1,725
Borrowings on secured line of credit	18,000	18,000
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member] | Cash [Member]
Cash and due from banks	15,600	26,948
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member] | Interest-Bearing Deposits [Member]
Cash and due from banks	606	1,646
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member]
Securities held-to-maturity	375,952	375,292
Mortgage-backed securities	201,740	201,322
Net LHFI	0	0
Deposits	187,335	178,902
Securities sold under agreement to repurchase	0	0
Short-term borrowings	0
Borrowings on secured line of credit	0	0
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Cash [Member]
Cash and due from banks	0	0
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Interest-Bearing Deposits [Member]
Cash and due from banks	0	0
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member]
Securities held-to-maturity	0	0
Mortgage-backed securities	0	0
Net LHFI	521,259	541,173
Deposits	0	0
Securities sold under agreement to repurchase	0	0
Short-term borrowings	0
Borrowings on secured line of credit	0	0
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member] | Cash [Member]
Cash and due from banks	0	0
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member] | Interest-Bearing Deposits [Member]
Cash and due from banks	0	0
Fair Value, Nonrecurring [Member]
Impaired loans	1,950	2,074
Total	1,950	2,074
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 1 [Member]
Impaired loans	0	0
Total	0	0
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 2 [Member]
Impaired loans	0	0
Total	0	0
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]
Impaired loans	1,950	2,074
Total	$ 1,950	$ 2,074