Oak Valley Bancorp (OVLY) 10-Q 14 Aug 23 2023 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2023	Aug. 04, 2023
Document Information [Line Items]
Entity Central Index Key	0001431567
Entity Registrant Name	Oak Valley Bancorp
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q2
Document Fiscal Year Focus	2023
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2023
Document Transition Report	false
Entity File Number	001-34142
Entity Incorporation, State or Country Code	CA
Entity Tax Identification Number	26-2326676
Entity Address, Address Line One	125 N. Third Ave.
Entity Address, City or Town	Oakdale
Entity Address, State or Province	CA
Entity Address, Postal Zip Code	95361
City Area Code	209
Local Phone Number	848-2265
Title of 12(b) Security	Common Stock
Trading Symbol	OVLY
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		8,281,661

Condensed Consolidated Balance

Condensed Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Jun. 30, 2023	Dec. 31, 2022
ASSETS
Cash and due from banks	$ 268,496,000	$ 415,803,000
Federal funds sold	32,050,000	13,830,000
Cash and cash equivalents	300,546,000	429,633,000
Securities - available for sale	515,851,000	527,438,000
Securities - equity investments	3,042,000	2,990,000
Loans, net of allowance for credit losses of $9,411 and $9,468 at June 30, 2023 and December 31, 2022, respectively	939,708,000	905,035,000
Cash surrender value of life insurance	30,601,000	30,218,000
Bank premises and equipment, net	16,233,000	15,300,000
Goodwill and other intangible assets, net	3,515,000	3,558,000
Interest receivable and other assets	52,217,000	54,174,000
Assets	1,861,713,000	1,968,346,000
Deposits	1,682,378,000	1,814,297,000
Interest payable and other liabilities	32,213,000	27,423,000
Total liabilities	1,714,591,000	1,841,720,000
Shareholders’ equity
Common stock, no par value; 50,000,000 shares authorized, 8,281,661 and 8,257,894 shares issued and outstanding at June 30, 2023 and December 31, 2022, respectively	25,435,000	25,435,000
Additional paid-in capital	5,286,000	5,190,000
Retained earnings	142,407,000	126,728,000
Accumulated other comprehensive loss, net of tax	(26,006,000)	(30,727,000)
Total shareholders’ equity	147,122,000	126,626,000
Liabilities and Equity	$ 1,861,713,000	$ 1,968,346,000

Condensed Consolidated Balanc_2

Condensed Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ / shares in Thousands, $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Allowance for Credit Loss	$ 9,411	$ 9,468
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	50,000,000	50,000,000
Common stock, shares issued (in shares)	8,281,661	8,257,894
Common stock, shares outstanding (in shares)	8,281,661	8,257,894

Condensed Consolidated Statemen

Condensed Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
INTEREST INCOME
Interest and fees on loans	$ 10,947,000	$ 9,414,000	$ 21,418,000	$ 18,536,000
Interest on securities	5,159,000	3,210,000	10,284,000	5,022,000
Interest on federal funds sold	287,000	46,000	576,000	56,000
Interest on deposits with banks	3,710,000	807,000	7,821,000	1,063,000
Total interest income	20,103,000	13,477,000	40,099,000	24,677,000
INTEREST EXPENSE
Deposits	696,000	244,000	1,148,000	486,000
Federal funds purchased	0	0	1,000	0
Total interest expense	696,000	244,000	1,149,000	486,000
Net interest income	19,407,000	13,233,000	38,950,000	24,191,000
Reversal of provision for credit losses	0	0	(460,000)	0
Net interest income after reversal of provision for credit losses	19,407,000	13,233,000	39,410,000	24,191,000
NON-INTEREST INCOME
Earnings on cash surrender value of life insurance	194,000	188,000	383,000	370,000
Gains on sales of available-for-sale securities	0	0	143,000	0
Other	541,000	305,000	1,035,000	467,000
Total non-interest income	1,655,000	1,371,000	3,311,000	2,539,000
NON-INTEREST EXPENSE
Salaries and employee benefits	6,336,000	5,658,000	12,775,000	11,335,000
Occupancy expenses	1,131,000	991,000	2,318,000	2,026,000
Data processing fees	619,000	598,000	1,231,000	1,157,000
Regulatory assessments (FDIC & DFPI)	220,000	261,000	415,000	522,000
Other operating expenses	1,756,000	1,697,000	3,080,000	3,287,000
Total non-interest expense	10,062,000	9,205,000	19,819,000	18,327,000
Net income before provision for income taxes	11,000,000	5,399,000	22,902,000	8,403,000
Total provision for income taxes	2,596,000	1,141,000	5,273,000	1,776,000
Net Income	$ 8,404,000	$ 4,258,000	$ 17,629,000	$ 6,627,000
Net income per share (in dollars per share)	$ 1.03	$ 0.52	$ 2.15	$ 0.81
Net income per diluted share (in dollars per share)	$ 1.02	$ 0.52	$ 2.14	$ 0.81
Deposit Account [Member]
NON-INTEREST INCOME
Other income	$ 462,000	$ 409,000	$ 878,000	$ 785,000
Debit Card [Member]
NON-INTEREST INCOME
Other income	458,000	449,000	863,000	862,000
Mortgage Banking [Member]
NON-INTEREST INCOME
Other income	$ 0	$ 20,000	$ 9,000	$ 55,000

Condensed Consolidated Statem_2

Condensed Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Net income	$ 8,404	$ 4,258	$ 17,629	$ 6,627
Other comprehensive (loss) income:
Unrealized holding (losses) gains arising during the period	(4,087)	(24,646)	6,846	(41,909)
Less: reclassification for net gains included in net income	0	0	(143)	0
Other comprehensive (loss) income, before tax	(4,087)	(24,646)	6,703	(41,909)
Tax benefit (expense) related to items of other comprehensive (loss) income	1,208	7,286	(1,982)	12,390
Total other comprehensive (loss) income	(2,879)	(17,360)	4,721	(29,519)
Comprehensive income (loss)	$ 5,525	$ (13,102)	$ 22,350	$ (22,892)

Condensed Consolidated Statem_3

Condensed Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($) $ in Thousands	Cumulative Effect, Period of Adoption, Adjustment [Member] Common Stock [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Additional Paid-in Capital [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] Retained Earnings [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member] AOCI Attributable to Parent [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balances (in shares) at Dec. 31, 2021						8,239,099
Balances at Dec. 31, 2021						$ 25,435	$ 4,689	$ 106,300	$ 6,188	$ 142,612
Stock based compensation						0	322	0	0	322
Other comprehensive loss						0	0	0	(29,519)	(29,519)
Net income						$ 0	0	6,627	0	6,627
Restricted stock forfeited (in shares)						(900)
Restricted stock forfeited						$ 0	0	0	0	0
Restricted stock surrendered for tax withholding (in shares)						(5,422)
Restricted stock surrendered for tax withholding						$ 0	(108)	0	0	(108)
Balances (in shares) at Jun. 30, 2022						8,254,574
Balances at Jun. 30, 2022						$ 25,435	4,903	111,691	(23,331)	118,698
Restricted stock issued (in shares)						21,797
Restricted stock issued						$ 0	0	0	0	0
Cash dividends declared						$ 0	0	(1,236)	0	(1,236)
Balances (in shares) at Mar. 31, 2022						8,255,601
Balances at Mar. 31, 2022						$ 25,435	4,752	107,433	(5,971)	131,649
Stock based compensation						0	158	0	0	158
Other comprehensive loss						0	0	0	(17,360)	(17,360)
Net income						$ 0	0	4,258	0	4,258
Restricted stock forfeited (in shares)						(600)
Restricted stock forfeited						$ 0	0	0	0	0
Restricted stock surrendered for tax withholding (in shares)						(427)
Restricted stock surrendered for tax withholding						$ 0	(7)	0	0	(7)
Balances (in shares) at Jun. 30, 2022						8,254,574
Balances at Jun. 30, 2022						$ 25,435	4,903	111,691	(23,331)	118,698
Balances (in shares) at Dec. 31, 2022						8,257,894
Balances (Accounting Standards Update 2016-13 [Member]) at Dec. 31, 2022	$ 0	$ 0	$ (629)	$ 0	$ (629)
Balances at Dec. 31, 2022						$ 25,435	5,190	126,728	(30,727)	126,626
Stock based compensation						0	271	0	0	271
Other comprehensive loss						0	0	0	4,721	4,721
Net income						$ 0	0	17,629	0	17,629
Restricted stock surrendered for tax withholding (in shares)						(6,429)
Restricted stock surrendered for tax withholding						$ 0	(175)	0	0	(175)
Balances (in shares) at Jun. 30, 2023						8,281,661
Balances at Jun. 30, 2023						$ 25,435	5,286	142,407	(26,006)	147,122
Restricted stock issued (in shares)						30,196
Restricted stock issued						$ 0	0	0	0	0
Cash dividends declared						$ 0	0	(1,321)	0	(1,321)
Balances (in shares) at Mar. 31, 2023						8,281,661
Balances at Mar. 31, 2023						$ 25,435	5,159	134,003	(23,127)	141,470
Stock based compensation						0	127	0	0	127
Other comprehensive loss						0	0	0	(2,879)	(2,879)
Net income						$ 0	0	8,404	0	8,404
Balances (in shares) at Jun. 30, 2023						8,281,661
Balances at Jun. 30, 2023						$ 25,435	$ 5,286	$ 142,407	$ (26,006)	$ 147,122

Condensed Consolidated Statem_4

Condensed Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
Cash dividends declared, per share (in dollars per share)	$ 0.16	$ 0.15

Condensed Consolidated Statem_5

Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)	6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 17,629,000	$ 6,627,000
Adjustments to reconcile net income to net cash from operating activities:
Reversal of provision for credit losses	(460,000)	0
Decrease in deferred fees/costs, net	(113,000)	(251,000)
Depreciation	674,000	667,000
Amortization of investment securities, net	570,000	578,000
Unrealized loss on equity securities	3,000	316,000
Amortization of operating lease right-of-use asset	(117,000)	(83,000)
Stock based compensation	271,000	322,000
Gain on sales of available for sale securities	(143,000)	0
Earnings on cash surrender value of life insurance	(383,000)	(370,000)
Increase in interest payable and other liabilities	4,687,000	419,000
Decrease (increase) in interest receivable	702,000	(2,461,000)
(Increase) decrease in other assets	(27,000)	1,429,000
Net cash from operating activities	23,293,000	7,193,000
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of available for sale securities	(40,660,000)	(288,250,000)
Purchases of equity securities	(49,000)	(32,000)
Proceeds from the sale of available-for-sale securities	43,791,000	0
Proceeds from maturities, calls, and principal paydowns of available-for-sale securities	14,726,000	7,112,000
Investment in LIHTC	0	(284,000)
Net increase in loans	(34,446,000)	(47,543,000)
Purchase of FHLB Stock	(720,000)	(257,000)
Purchases of premises and equipment	(1,607,000)	(493,000)
Net cash used in investing activities	(18,965,000)	(329,747,000)
CASH FLOWS FROM FINANCING ACTIVITIES:
Shareholder cash dividends paid	(1,321,000)	(1,236,000)
Net (decrease) increase in demand deposits and savings accounts	(126,987,000)	46,445,000
Net decrease in time deposits	(4,932,000)	(909,000)
Tax withholding payments on vested restricted shares surrendered	(175,000)	(108,000)
Net cash (used in) from financing activities	(133,415,000)	44,192,000
NET DECREASE IN CASH AND CASH EQUIVALENTS	(129,087,000)	(278,362,000)
CASH AND CASH EQUIVALENTS, beginning of period	429,633,000	778,267,000
CASH AND CASH EQUIVALENTS, end of period	300,546,000	499,905,000
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Interest	1,152,000	483,000
Operating leases	767,000	660,000
Income taxes	0	851,000
NON-CASH INVESTING ACTIVITIES:
Change in unrealized gain (loss) on securities	6,703,000	(41,909,000)
Change in contributions payable to LIHTC limited partner investment	0	5,000,000
Right-of-use asset obtained in exchange for new operating lease liability	$ 444,000	$ 0

Note 1 - Basis of Presentation

Note 1 - Basis of Presentation	6 Months Ended
	Jun. 30, 2023
Notes to Financial Statements
Basis of Accounting [Text Block]	NOTE 1 BASIS OF PRESENTATION Oak Valley Bancorp (“the Company”, “us”, “our”) is the parent holding company for Oak Valley Community Bank (the “Bank”), a California state-chartered bank. The consolidated financial statements include the accounts of the parent company and its wholly-owned bank subsidiary. Unless otherwise stated, the “Company” refers to the consolidated entity, Oak Valley Bancorp, while the “Bank” refers to Oak Valley Community Bank. All material intercompany transactions have been eliminated. The interim consolidated financial statements included in this Quarterly Report on Form 10 three six June 30, 2023 not no 10 December 31, 2022. The Company was incorporated under the laws of the State of California on May 31, 1990, May 28, 1991. The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America (“GAAP”) requires management to make estimates and assumptions. These estimates and assumptions affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Significant accounting estimates reflected in the Company’s consolidated financial statements include the allowance for credit losses and fair value measurements. The estimates and assumptions may may 1. 2022 10

Note 2 - Recent Accounting Pron

Note 2 - Recent Accounting Pronouncements	6 Months Ended
	Jun. 30, 2023
Notes to Financial Statements
Accounting Standards Update and Change in Accounting Principle [Text Block]	NOTE 2 RECENT ACCOUNTING PRONOUNCEMENTS In June 2016, No. 2016 13, Financial Instruments Credit Losses (Topic 326 2016 13 December 15, 2019. October 2019, three January 1, 2023 no no January 1, 2023. Results for reporting periods beginning after January 1, 2023 In March 2020, 2020 04 Reference Rate Reform (Subtopic 848 March 12, 2020 December 31, 2022. December 2022, 2022 06 December 31, 2022 December 31, 2024. not In March 2022, No. 2022 02, Financial Instruments - Credit Losses (Topic 326 2022 02” 2022 02 310 40, 2022 02 326 20, 2022 02 January 1, 2023. 2022 02 not In March 2023, No. 2023 02, Investments-Equity Method and Joint Ventures (Topic 323 may January 1, 2024, not

Note 3 - Securities

Note 3 - Securities	6 Months Ended
	Jun. 30, 2023
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	NOTE 3 SECURITIES Equity Securities The Company held equity securities with fair values of $3,042,000 and $2,990,000 as of June 30, 2023 December 31, 2022, three six June 30, 2023 2022. 321, Equity Securities, three six June 30, 2023, 2022. Debt Securities Debt securities have been classified in the financial statements as available for sale. The amortized cost and estimated fair values of debt securities as of June 30, 2023 (dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available-for-sale securities: U.S. agencies $ 87,985 $ 5 $ (5,514 ) $ 82,476 Collateralized mortgage obligations 9,595 0 (620 ) 8,975 Municipalities 347,871 1,358 (25,671 ) 323,558 SBA pools 1,895 6 (4 ) 1,897 Corporate debt 47,506 13 (4,812 ) 42,707 Asset backed securities 57,920 57 (1,739 ) 56,238 $ 552,772 $ 1,439 $ (38,360 ) $ 515,851 The following tables detail the gross unrealized losses and fair values of debt securities aggregated by investment category and the length of time that individual securities have been in a continuous unrealized loss position as of June 30, 2023. (dollars in thousands) Less than 12 months 12 months or more Total Description of Securities Number of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. agencies 53 $ 39,826 $ (1,046 ) $ 39,987 (4,468 ) $ 79,813 $ (5,514 ) Collateralized mortgage obligations 6 4,825 (104 ) 4,151 (516 ) 8,976 (620 ) Municipalities 122 106,623 (1,649 ) 157,471 (24,022 ) 264,094 (25,671 ) SBA pools 4 0 0 759 (4 ) 759 (4 ) Corporate debt 13 0 0 40,694 (4,812 ) 40,694 (4,812 ) Asset backed securities 23 5,744 (54 ) 42,620 (1,685 ) 48,364 (1,739 ) Total temporarily impaired securities 221 $ 157,018 $ (2,853 ) $ 285,682 $ (35,507 ) $ 442,700 $ (38,360 ) For available-for-sale debt securities in an unrealized loss position, management evaluates whether the decline in fair value is a reflection of credit deterioration or other factors. In performing this evaluation, management considers the extent which fair value has fallen below amortized cost, changes in ratings by rating agencies, and other information indicating a deterioration in repayment capacity of either the underlying issuer or the borrowers providing repayment capacity in a securitization. If management’s evaluation indicates that a credit loss exists then a present value of the expected cash flows is calculated and compared to the amortized cost basis of the security in question and to the degree that the amortized cost basis exceeds the present value an allowance for credit loss (“ACL”) is established, with the caveat that the maximum amount of the reserve on any individual security is the difference between the fair value and amortized cost balance of the security in question. Any unrealized loss that has not The unrealized losses are due primarily to rising market yields and not no June 30, 2023. not not The amortized cost and estimated fair value of debt securities as of June 30, 2023, may (dollars in thousands) Amortized Cost Fair Value Available-for-sale securities: Due in one year or less 101,652 95,302 Due after one year through five years 116,321 113,951 Due after five years through ten years 251,518 228,844 Due after ten years 83,281 77,754 $ 552,772 $ 515,851 The amortized cost and estimated fair values of debt securities as of December 31, 2022 (dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available-for-sale securities: U.S. agencies $ 94,142 $ 18 $ (5,439 ) $ 88,721 Collateralized mortgage obligations 5,094 0 (483 ) 4,611 Municipalities 361,643 1,017 (31,079 ) 331,581 SBA pools 2,358 10 (6 ) 2,362 Corporate debt 47,512 0 (5,452 ) 42,060 Asset-backed securities 60,313 11 (2,221 ) 58,103 $ 571,062 $ 1,056 $ (44,680 ) $ 527,438 The following tables detail the gross unrealized losses and fair values aggregated of debt securities by investment category and length of time that individual securities have been in a continuous unrealized loss position at December 31, 2022. (dollars in thousands) Less than 12 months 12 months or more Total Description of Securities Number of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. agencies 52 $ 81,936 (4,451 ) 3,972 (988 ) $ 85,908 $ (5,439 ) Collateralized mortgage obligations 5 4,278 (431 ) 333 (52 ) 4,611 (483 ) Municipalities 132 216,154 (16,782 ) 46,348 (14,297 ) 262,502 (31,079 ) SBA pools 4 0 0 975 (6 ) 975 (6 ) Corporate debt 14 30,971 (3,041 ) 11,089 (2,411 ) 42,060 (5,452 ) Asset backed securities 24 36,275 (1,669 ) 14,043 (552 ) 50,318 (2,221 ) Total temporarily impaired securities 231 $ 369,614 $ (26,374 ) $ 76,760 $ (18,306 ) $ 446,374 $ (44,680 ) The Company recognized no gains or losses on called securities during the three six June 30, 2023 2022. three June 30, 2023. six June 30, 2023, three six June 30, 2022. Debt securities carried at $289,092,000 and $242,023,000 as of June 30, 2023 December 31, 2022,

Note 4 - Loans

Note 4 - Loans	6 Months Ended
	Jun. 30, 2023
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	NOTE 4 LOANS The Company’s customers are primarily located in Stanislaus, San Joaquin, Tuolumne, Inyo, and Mono Counties. As of June 30, 2023, (in thousands) June 30, 2023 December 31, 2022 Commercial real estate: Commercial real estate- construction $ 21,152 $ 31,257 Commercial real estate- mortgages 694,089 650,180 Land 19,750 12,539 Farmland 91,623 85,989 Commercial and industrial 71,578 82,506 Consumer 379 375 Consumer residential 30,776 31,861 Agriculture 21,141 21,051 Total loans 950,488 915,758 Less: Deferred loan fees and costs, net (1,369 ) (1,255 ) Allowance for credit losses (9,411 ) (9,468 ) Net loans $ 939,708 $ 905,035 Paycheck Protection Program. two June 5, 2020, five 1%. 2022 first three 2023. June 30, 2023 December 31, 2022, no no Loan Origination/Risk Management. Commercial and industrial loans are underwritten after evaluating and understanding the borrower’s ability to operate profitably and prudently expand its business. Underwriting standards are designed to promote relationship banking rather than transactional banking. Once it is determined that the borrower’s management possesses sound ethics and solid business acumen, the Company’s management examines current and projected cash flows to determine the ability of the borrower to repay their obligations as agreed. Commercial and industrial loans are primarily made based on the identified cash flows of the borrower and secondarily made based on the underlying collateral provided by the borrower. The cash flows of borrowers, however, may not may may may may Commercial real estate loans are subject to underwriting standards and processes similar to commercial and industrial loans, in addition to those of real estate loans. These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Commercial real estate lending typically involves higher loan principal amounts, and the repayment of these loans is generally largely dependent on the successful operation of the property securing the loan or the business conducted on the property securing the loan. Commercial real estate loans may third June 30, 2023 December 31, 2022, With respect to loans to developers and builders that are secured by non-owner occupied properties that the Company may may may Agricultural production, real estate and development lending is susceptible to credit risks including adverse weather conditions, pest and disease, as well as market price fluctuations and foreign competition. Agricultural loan underwriting standards are maintained by following Company policies and procedures in place to minimize risk in this lending segment. These standards consist of limiting credit to experienced farmers who have demonstrated farm management capabilities, requiring cash flow projections displaying margins sufficient for repayment from normal farm operations along with equity injected as required by policy, as well as providing adequate secondary repayment and sponsorship including satisfactory collateral support. Credit enhancement obtained through government guarantee programs may The Company originates consumer loans utilizing common underwriting criteria specified in policy. To monitor and manage consumer loan risk, policies and procedures are developed and modified, as needed, jointly by line and staff personnel. This activity, coupled with relatively small loan amounts that are spread across many individual borrowers, minimizes risk. Additionally, trend and outlook reports are reviewed by management on a regular basis. Underwriting standards for 1 4 not The Company maintains an independent loan review program that reviews and validates the credit risk program on a periodic basis. Results of these reviews are presented to management. The loan review process complements and reinforces the risk identification and assessment decisions made by lenders and credit personnel, as well as the Bank’s policies and procedures. Non-Accrual and Past Due Loans. not may may not No loans were on non-accrual status as of June 30, 2023, December 31, 2022, June 30, 2022. The following table analyzes past due loans including the past due non-accrual loans in the above table, segregated by class of loans, as of June 30, 2023 ( June 30, 2023 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Total 90 Days or More Past Due and Still Accruing Commercial real estate: Commercial R.E. - construction $ 0 $ 0 $ 0 $ 0 $ 21,152 $ 21,152 $ 0 Commercial R.E. - mortgages 0 0 0 0 694,089 694,089 0 Land 0 0 0 0 19,750 19,750 0 Farmland 0 0 0 0 91,623 91,623 0 Commercial and industrial 0 0 0 0 71,578 71,578 0 Consumer 0 0 0 0 379 379 0 Consumer residential 0 0 0 0 30,776 30,776 0 Agriculture 0 0 0 0 21,141 21,141 0 Total $ 0 $ 0 $ 0 $ 0 $ 950,488 $ 950,488 $ 0 The following table analyzes past due loans including the past due non-accrual loans in the above table, segregated by class of loans, as of December 31, 2022 December 31, 2022 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Total 90 Days or More Past Due and Still Accruing Commercial real estate: Commercial R.E. – construction $ 0 $ 0 $ 0 $ 0 $ 31,257 $ 31,257 $ 0 Commercial R.E. – mortgages 0 0 0 0 650,180 650,180 0 Land 0 0 0 0 12,539 12,539 0 Farmland 0 0 0 0 85,989 85,989 0 Commercial and industrial 0 0 0 0 82,506 82,506 0 Consumer 0 0 0 0 375 375 0 Consumer residential 0 0 0 0 31,861 31,861 0 Agriculture 0 0 0 0 21,051 21,051 0 Total $ 0 $ 0 $ 0 $ 0 $ 915,758 $ 915,758 $ 0 Collateral Dependent Loans. January 1, 2023, no June 30, 2023 December 31, 2022. Information for impaired loans prior to the adoption of ASU 2016 13 January 1, 2023 (in thousands) Unpaid Contractual Principal Balance Recorded Investment With No Allowance Recorded Investment With Allowance Total Recorded Investment Related Allowance Average Recorded Investment December 31, 2022 Commercial real estate: Commercial R.E. - construction $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Commercial R.E. - mortgages 0 0 0 0 0 0 Land 0 0 0 0 0 0 Farmland 0 0 0 0 0 0 Commercial and Industrial 0 0 0 0 0 0 Consumer 0 0 0 0 0 0 Consumer residential 0 0 0 0 0 0 Agriculture 0 0 0 0 0 0 Total $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 (in thousands) Unpaid Contractual Principal Balance Recorded Investment With No Allowance Recorded Investment With Allowance Total Recorded Investment Related Allowance Average Recorded Investment June 30, 2022 Commercial real estate: Commercial R.E. - construction $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Commercial R.E. - mortgages 0 0 0 0 0 0 Land 0 0 0 0 0 0 Farmland 0 0 0 0 0 0 Commercial and Industrial 0 0 0 0 0 0 Consumer 0 0 0 0 0 0 Consumer residential 0 0 0 0 0 0 Agriculture 0 0 0 0 0 0 Total $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Loan Modification Disclosures Pursuant to ASU 2022 02 may no three six June 30, 2023. TDR Disclosures Prior to the Adoption of ASU 2022 02 December 31, 2022 June 30, 2022 no three six June 30, 2022, twelve three six June 30, 2022. ninety Loan Risk Grades The Company grades loans using the following letter system: 1 2 3A 3B 3C 4 5 6 7 8 1. 1 ● A high level of liquidity and whose debt-servicing capacity exceeds expected obligations by a substantial margin. ● Where leverage is below average for the industry and earnings are consistent or growing without severe vulnerability to economic cycles. ● Also included in this rating (but not one 2. No 2 ● Unquestionable debt-servicing capacity to cover all obligations in the ordinary course of business from well-defined primary and secondary sources. ● Consistent strong earnings. ● A solid equity base. 3A. 3 three three 3 3A ● Strong earnings with no three ● Long term experienced management with depth and defined management succession. ● The loan has no ● Loan-to-value on real estate secured transactions is 10% 20% ● Very liquid balance sheet that may ● Little to no 3B. 3B 3A 3C not ● Are those where the borrower has average financial strengths, a history of profitable operations and experienced management. ● Are those where the borrower can be expected to handle normal credit needs in a satisfactory manner. 3C. 3C 3Bs ● Requires collateral. ● A credit facility where the borrower has average financial strengths, but usually lacks reliable secondary sources of repayment other than the subject collateral. ● Other common characteristics can include some or all of the following: minimal background experience of management, lacking continuity of management, a start-up operation, erratic historical profitability (acceptable reasons-well identified), lack of or marginal sponsorship of guarantor, and government guaranteed loans. 4 may ● Any unexpected short-term adverse financial performance from budgeted projections or a prior period’s results (i.e., declining profits, sales, margins, cash flow, or increased reliance on leverage, including adverse balance sheet ratios, trade debt issues, etc.). ● Any managerial or personal problems with company management, decline in the entire industry or local economic conditions, or failure to provide financial information or other documentation as requested. ● Issues regarding delinquency, overdrafts, or renewals. ● Any other issues that cause concern for the company. ● Loans to individuals or loans supported by guarantors with marginal net worth and/or marginal collateral. ● Weaknesses that are identified are short-term in nature. ● Loans in this category are usually accounts the Bank would want to retain providing a positive turnaround can be expected within a reasonable time frame. Grade 4 5. may, ● The lending officer may ● Questions exist regarding the condition of and/or control over collateral. ● Economic or market conditions may ● A declining trend in the obligor’s operations or an imbalanced position in the balance sheet exists, but not 6. not not 7. one may may may not 8. not not no not may not As of June 30, 2023 December 31, 2022, 8 The risk grades are reviewed every month, at a minimum and on an as-needed basis depending on the specific circumstances of the loan. The following table summarizes loan risk grade totals by class and year of origination as of June 30, 2023. 1 4 As of June 30, 2023 (in thousands) Term Loans Amortized Cost Basis by Origination Year Risk Grade Ratings 2023 2022 2021 2020 2019 Prior Revolving Loans Total Commercial real estate - construction Pass $ 3,750 $ 16,553 $ 219 $ 630 $ 0 $ 0 $ 0 $ 21,152 Total commercial real estate - construction 3,750 16,553 219 630 0 0 0 21,152 Commercial real estate - mortgages Pass 36,655 120,386 147,048 73,542 66,830 236,104 0 680,565 Special mention 0 0 7,822 0 0 1,032 0 8,854 Substandard 0 0 0 0 4,670 0 0 4,670 Total commercial real estate - mortgages 36,655 120,386 154,870 73,542 71,500 237,136 0 694,089 Land Pass 7,300 8,966 0 0 1,771 1,713 0 19,750 Total land 7,300 8,966 0 0 1,771 1,713 0 19,750 Farmland Pass 8,400 10,720 16,889 15,178 6,752 33,684 0 91,623 Total farmland 8,400 10,720 16,889 15,178 6,752 33,684 0 91,623 Commercial and industrial Pass 6,373 13,475 14,329 13,888 6,198 15,153 26 69,442 Special mention 0 0 0 174 67 1,540 0 1,781 Substandard 0 0 0 0 0 355 0 355 Total commercial and industrial 6,373 13,475 14,329 14,062 6,265 17,048 26 71,578 Consumer Pass 70 64 49 25 0 0 153 361 Substandard 0 0 0 0 0 18 0 18 Total consumer 70 64 49 25 0 18 153 379 Consumer residential Pass 758 5,070 4,534 3,030 1,878 7,978 7,497 30,745 Substandard 0 0 0 0 0 31 0 31 Total consumer residential 758 5,070 4,534 3,030 1,878 8,009 7,497 30,776 Agriculture Pass 383 4,481 4,687 3,560 385 7,645 0 21,141 Total agriculture 383 4,481 4,687 3,560 385 7,645 0 21,141 Total by Risk Category Pass 63,689 179,715 187,755 109,853 83,814 302,277 7,676 934,779 Special mention 0 0 7,822 174 67 2,572 0 10,635 Substandard 0 0 0 0 4,670 404 0 5,074 Total $ 63,689 $ 179,715 $ 195,577 $ 110,027 $ 88,551 $ 305,253 $ 7,676 $ 950,488 The following table summarizes loan risk grade totals by class and year of origination as of December 31, 2022. 1 4 As of December 31, 2022 (in thousands) Term Loans Amortized Cost Basis by Origination Year Risk Grade Ratings 2022 2021 2020 2019 2018 Prior Revolving Loans Total Commercial real estate - construction Pass $ 18,124 $ 11,723 $ 1,148 $ 0 $ 0 $ 262 $ 0 $ 31,257 Total commercial real estate - construction 18,124 11,723 1,148 0 0 262 0 31,257 Commercial real estate - mortgages Pass 102,254 141,187 77,673 68,466 66,662 180,209 0 636,451 Special mention 0 7,959 0 0 301 744 0 9,004 Substandard 0 0 0 4,725 0 0 0 4,725 Total commercial real estate - mortgages 102,254 149,146 77,673 73,191 66,963 180,953 0 650,180 Land Pass 8,977 0 0 1,791 0 1,771 0 12,539 Total land 8,977 0 0 1,791 0 1,771 0 12,539 Farmland Pass 10,831 17,202 15,804 7,375 9,114 25,663 0 85,989 Total farmland 10,831 17,202 15,804 7,375 9,114 25,663 0 85,989 Commercial and Industrial Pass 16,563 17,974 15,468 7,399 9,702 12,597 31 79,734 Special mention 0 0 208 90 47 2,177 0 2,522 Substandard 0 0 0 0 250 0 0 250 Total commercial and industrial 16,563 17,974 15,676 7,489 9,999 14,774 31 82,506 Consumer Pass 73 62 32 1 0 22 166 356 Substandard 0 0 0 0 0 19 19 Total consumer 73 62 32 1 0 41 166 375 Consumer residential Pass 5,158 4,640 3,381 1,915 2,307 6,144 8,284 31,829 Substandard 0 0 0 0 0 32 0 32 Total consumer residential 5,158 4,640 3,381 1,915 2,307 6,176 8,284 31,861 Agriculture Pass 3,716 5,791 3,994 387 464 6,699 0 21,051 Total agriculture 3,716 5,791 3,994 387 464 6,699 0 21,051 Total by Risk Category Pass 165,696 198,579 117,500 87,334 88,249 233,367 8,481 899,206 Special mention 0 7,959 208 90 348 2,921 0 11,526 Substandard 0 0 0 4,725 250 51 0 5,026 Total $ 165,696 $ 206,538 $ 117,708 $ 92,149 $ 88,847 $ 236,339 $ 8,481 $ 915,758 Allowance for Credit Losses ( “ ACL ” ). 2, 2016 13, January 1, 2023 2016 13, The DCF quantitative reserve methodology incorporates the consideration of probability of default (“PD”) and loss given default (“LGD”) estimates to estimate periodic losses. The PD estimates are derived through the application of reasonable and supportable economic forecasts to call code specific regression models, derived from the consideration of historical bank-specific and peer loss-rate data. The loss rate data has been regressed against benchmark economic indicators, for which reasonable and supportable forecasts exist, in the development of the call-code specific regression models. Regression models are generally refreshed on an annual basis, in order to pull in more recent loss rate data. Reasonable and supportable forecasts of the selected economic metric are then input into the regression model to calculate an expected default rate. The expected default rates are then applied to expected monthly loan balances estimated through the consideration of contractual repayment terms and expected prepayments. The Company utilizes a four four may third January 1, 2023, June 30, 2023, Management recognizes that there are additional factors impacting risk of loss in the loan portfolio beyond what is captured in the quantitative portion of reserves on collectively evaluated loans. As current and expected conditions, may may ● Changes in lending policies and procedures, including changes in underwriting standards and collection, charge-off, and recovery practices ● Changes in international, regional and local economic and business conditions, and developments that affect the collectability of the portfolio, as reflected in forecasts of the California unemployment rate ● Changes in the nature and volume of the loan portfolio ● Changes in the experience, ability, and depth of lending management and other relevant staff ● Changes in the volume and severity of past due, watch loans and classified loans ● Changes in the quality of the Bank’s loan review processes ● Changes in the value of underlying collateral for loans not ● Changes in loan categorization concentrations ● Other external factors, which include, the regulatory risk ratings. The qualitative portion of the Company’s reserves on collectively evaluated loans are calculated using a combination of numeric frameworks and management judgement, to determine risk categorizations in each of the Q-factors presented above. The amount of qualitative reserves is also contingent upon the relative weighting of Q-factors according to management’s judgement. Loans identified as losses by management, internal loan review and/or bank examiners are charged-off. Furthermore, consumer loan accounts are charged-off automatically based on regulatory requirements. Accrued interest receivable for loans is included in the “Interest receivable and other assets” line item on the Company’s Consolidated Balance Sheet. The Company elected not The following table details activity in the ACL by portfolio segment for the three six June 30, 2023 2022. one not Allowance for Credit Losses For the Three and Six Months Ended June 30, 2023 and 2022 (in thousands) Three Months Ended June 30, 2023 Commercial Real Estate Commercial and Industrial Consumer Consumer Residential Agriculture Total Beginning balance $ 8,470 $ 677 $ 3 $ 199 $ 34 $ 9,383 Charge-offs 0 0 (9 ) 0 0 (9 ) Recoveries 34 2 1 0 37 Provision for (reversal of) credit losses 59 (76 ) 8 3 6 0 Ending balance $ 8,563 $ 601 $ 4 $ 203 $ 40 $ 9,411 Six Months Ended June 30, 2023 Beginning balance $ 8,373 $ 612 $ 5 $ 306 $ 172 $ 9,468 CECL day-one adjustments 500 102 (1 ) (118 ) (137 ) 346 Charge-offs 0 (12 ) (17 ) 0 0 (29 ) Recoveries 68 12 5 1 0 86 Provision for (reversal of) credit losses (378 ) (113 ) 12 14 5 (460 ) Ending balance $ 8,563 $ 601 $ 4 $ 203 $ 40 $ 9,411 Three Months Ended June 30, 2022 Beginning balance $ 9,539 $ 701 $ 6 $ 311 $ 205 $ 10,762 Charge-offs 0 0 (7 ) 0 0 (7 ) Recoveries 30 0 0 0 0 30 Provision for (reversal of) credit losses (25 ) (14 ) 7 6 26 0 Ending balance $ 9,544 $ 687 $ 6 $ 317 $ 231 10,785 Six Months Ended June 30, 2022 Beginning balance $ 9,404 $ 711 $ 6 $ 327 $ 290 $ 10,738 Charge-offs 0 0 (15 ) 0 0 (15 ) Recoveries 61 0 1 0 0 62 Provision for (reversal of) credit losses 79 (24 ) 14 (10 ) (59 ) 0 Ending balance $ 9,544 $ 687 $ 6 $ 317 $ 231 10,785 The following table details the ACL and ending gross loan balances as of June 30, 2023 December 31, 2022, (in thousands) June 30, 2023 Commercial Real Estate Commercial and Industrial Consumer Consumer Residential Agriculture Total Allowance for credit losses for loans: Individually evaluated for impairment $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Collectively evaluated for impairment 8,563 601 4 203 40 9,411 $ 8,563 $ 601 $ 4 $ 203 $ 40 $ 9,411 Ending gross loan balances: Individually evaluated for impairment $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Collectively evaluated for impairment 826,614 71,578 379 30,776 21,141 950,488 $ 826,614 $ 71,578 $ 379 $ 30,776 $ 21,141 $ 950,488 December 31, 2022 Allowance for credit losses for loans: Individually evaluated for impairment $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Collectively evaluated for impairment 8,373 612 5 306 172 9,468 $ 8,373 $ 612 $ 5 $ 306 $ 172 $ 9,468 Ending gross loan balances: Individually evaluated for impairment $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Collectively evaluated for impairment 779,965 82,506 375 31,861 21,051 915,758 $ 779,965 $ 82,506 $ 375 $ 31,861 $ 21,051 $ 915,758 The following table presents gross charge-offs for the three six June 30, 2023 Three months ended June 30, 2023 (in thousands) Term Loans Charged-off by Origination Year Chargeoffs 2023 2022 2021 2020 2019 Prior Revolving Loans Total Commercial real estate - construction $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Commercial real estate - mortgages 0 0 0 0 0 0 0 0 Land 0 0 0 0 0 0 0 0 Farmland 0 0 0 0 0 0 0 0 Commercial and Industrial 0 0 0 0 0 0 0 0 Consumer 0 0 0 0 0 0 9 9 Consumer residential 0 0 0 0 0 0 0 0 Agriculture 0 0 0 0 0 0 0 0 Total $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 9 $ 9 Six months ended June 30, 2023 (in thousands) Term Loans Charged-off by Origination Year Chargeoffs 2023 2022 2021 2020 2019 Prior Revolving Loans Total Commercial real estate - construction $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Commercial real estate - mortgages 0 0 0 0 0 0 0 0 Land 0 0 0 0 0 0 0 0 Farmland 0 0 0 0 0 0 0 0 Commercial and Industrial 0 0 12 0 0 0 0 12 Consumer 0 0 0 0 0 0 17 17 Consumer residential 0 0 0 0 0 0 0 0 Agriculture 0 0 0 0 0 0 0 0 Total $ 0 $ 0 $ 12 $ 0 $ 0 $ 0 $ 17 $ 29 Changes in the reserve for off-balance-sheet commitments were as follows: (in thousands) THREE MONTHS ENDED JUNE 30, SIX MONTHS ENDED JUNE 30, 2023 2022 2023 2022 Balance, beginning of period $ 741 $ 463 $ 546 $ 469 CECL day-one adjustment 0 0 547 0 (Reversal of) Provision to Operations for Off Balance Sheet Commitments (70 ) 12 (422 ) 6 Balance, end of period $ 671 $ 475 $ 671 $ 475 The method for calculating the reserve for off-balance-sheet loan commitments is based on a historical funding rate applied to the undisbursed loan amount to estimate an average outstanding amount during the life of the loan commitment. Then, a historic loss rate as computed by our CECL model is applied to the estimated average outstanding balance to calculate the off-balance-sheet reserve amount. The funding rates, historic loss rates and resulting reserve amount for off-balance-sheet commitments are evaluated by management periodically as part of the CECL procedures. Reserves for off-balance-sheet commitments are recorded in interest payable and other liabilities on the condensed consolidated balance sheets. At June 30, 2023 December 31, 2022,

Note 5 - Financial Instruments

Note 5 - Financial Instruments and Fair Value Measurements	6 Months Ended
	Jun. 30, 2023
Notes to Financial Statements
Fair Value Measurement and Measurement Inputs, Recurring and Nonrecurring [Text Block]	NOTE 5 FINANCIAL INSTRUMENTS AND FAIR VALUE MEASUREMENTS Fair values of financial instruments June 30, 2023 December 31, 2022. not We determine the fair values of our financial instruments based on the fair value hierarchy established under applicable accounting guidance which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value: Level 1: Level 2: Level 3: In certain cases, the inputs used to measure fair value may no three six June 30, 2023 2022. The estimated fair values of the Company’s financial instruments not June 30, 2023 Hierarchy (in thousands) Carrying Fair Valuation Amount Value Level Financial assets: Cash and cash equivalents $ 300,546 $ 300,546 1 Restricted equity securities 5,956 5,956 2 Loans, net 939,708 878,458 3 Interest receivable 7,915 7,915 2 Financial liabilities: Deposits (1,682,378 ) (1,681,250 ) 3 Interest payable (24 ) (24 ) 2 Off-balance-sheet liabilities: Commitments and standby letters of credit (2,053 ) 3 The estimated fair values of the Company’s financial instruments not December 31, 2022 Hierarchy (in thousands) Carrying Fair Valuation Amount Value Level Financial assets: Cash and cash equivalents $ 429,633 $ 429,633 1 Restricted equity securities 5,236 5,236 2 Loans, net 905,035 853,224 3 Interest receivable 8,438 8,438 2 Financial liabilities: Deposits (1,814,297 ) (1,813,136 ) 3 Interest payable (22 ) (22 ) 2 Off-balance-sheet assets (liabilities): Commitments and standby letters of credit (2,124 ) 3 The following table presents the carrying value of recurring and nonrecurring financial instruments that were measured at fair value and that were still held in the condensed consolidated balance sheets at each respective period end, by level within the fair value hierarchy as of June 30, 2023 December 31, 2022. Fair Value Measurements as of June 30, 2023 Using (in thousands) June 30, 2023 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets and liabilities measured on a recurring basis: Available-for-sale securities: U.S. agencies $ 82,475 $ 0 $ 82,475 $ 0 Collateralized mortgage obligations 8,975 0 8,975 0 Municipalities 323,558 0 323,558 0 SBA pools 1,897 0 1,897 0 Corporate debt 42,707 0 42,707 0 Asset-backed securities 56,238 0 56,238 0 Equity Securities: Mutual fund $ 3,042 $ 3,042 $ 0 $ 0 Assets and liabilities measured on a non-recurring basis: N/A Fair Value Measurements at December 31, 2022 Using (in thousands) December 31, 2022 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets and liabilities measured on a recurring basis: Available-for-sale securities: U.S. agencies $ 88,721 $ 0 $ 88,721 $ 0 Collateralized mortgage obligations 4,611 0 4,611 0 Municipalities 331,581 0 331,581 0 SBA pools 2,362 0 2,362 0 Corporate debt 42,060 0 42,060 0 Asset-backed securities 58,103 0 58,103 0 Equity Securities: Mutual fund $ 2,990 $ 2,990 $ 0 $ 0 Assets and liabilities measured on a non-recurring basis: N/A Available-for-sale and equity securities - not 1 2 3 Loans Evaluated Individually not not 3. There have been no three six June 30, 2023.

Note 6 - Earnings Per Share

Note 6 - Earnings Per Share	6 Months Ended
	Jun. 30, 2023
Notes to Financial Statements
Earnings Per Share [Text Block]	NOTE 6 EARNINGS PER SHARE Earnings per share (“EPS”) are based upon the weighted average number of common shares outstanding during each year. The following table shows: ( 1 2 3 two two not The Company’s calculation of basic and diluted EPS for the three six June 30, 2023 2022 THREE MONTHS ENDED (In thousands) JUNE 30, 2023 2022 BASIC EARNINGS PER SHARE Net income $ 8,404 $ 4,258 Weighted average shares outstanding 8,195 8,170 Net income per common share $ 1.03 $ 0.52 DILUTED EARNINGS PER SHARE Net income $ 8,404 $ 4,258 Weighted average shares outstanding 8,195 8,170 Effect of dilutive non-vested restricted shares 32 31 Weighted average shares of common stock and common stock equivalents 8,227 8,201 Net income per diluted common share $ 1.02 $ 0.52 SIX MONTHS ENDED (In thousands) JUNE 30, 2023 2022 BASIC EARNINGS PER SHARE Net income $ 17,629 $ 6,627 Weighted average shares outstanding 8,189 8,164 Net income per common share $ 2.15 $ 0.81 DILUTED EARNINGS PER SHARE Net income $ 17,629 $ 6,627 Weighted average shares outstanding 8,189 8,164 Effect of dilutive non-vested restricted shares 38 35 Weighted average shares of common stock and common stock equivalents 8,227 8,199 Net income per diluted common share $ 2.14 $ 0.81

Note 7 - Risks and Uncertaintie

Note 7 - Risks and Uncertainties	6 Months Ended
	Jun. 30, 2023
Notes to Financial Statements
Effect of Covid-19 Pandemic [Text Block]	NOTE 7 RISKS AND UNCERTAINTIES Actual events involving limited liquidity, defaults, non-performance or other adverse developments that affect financial institutions, transactional counterparties or other companies in the financial services industry or the financial services industry generally, or concerns or rumors about any events of these kinds or other similar risks, have in the past and may March 2023, three no not Inflation and rapid increases in interest rates have also led to a decline in the trading value of previously issued government securities with interest rates below current market interest rates. Additionally, there is no We may In spite of these inherent risks and uncertainties, we have experienced nominal negative impacts on liquidity in connection with these events and related concerns. The deposit decrease during the first six 2023 June 30, 2023.

Note 3 - Securities (Tables)

Note 3 - Securities (Tables)	6 Months Ended
	Jun. 30, 2023
Notes Tables
Debt Securities, Available-for-Sale [Table Text Block]	(dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available-for-sale securities: U.S. agencies $ 87,985 $ 5 $ (5,514 ) $ 82,476 Collateralized mortgage obligations 9,595 0 (620 ) 8,975 Municipalities 347,871 1,358 (25,671 ) 323,558 SBA pools 1,895 6 (4 ) 1,897 Corporate debt 47,506 13 (4,812 ) 42,707 Asset backed securities 57,920 57 (1,739 ) 56,238 $ 552,772 $ 1,439 $ (38,360 ) $ 515,851 (dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value Available-for-sale securities: U.S. agencies $ 94,142 $ 18 $ (5,439 ) $ 88,721 Collateralized mortgage obligations 5,094 0 (483 ) 4,611 Municipalities 361,643 1,017 (31,079 ) 331,581 SBA pools 2,358 10 (6 ) 2,362 Corporate debt 47,512 0 (5,452 ) 42,060 Asset-backed securities 60,313 11 (2,221 ) 58,103 $ 571,062 $ 1,056 $ (44,680 ) $ 527,438
Schedule of Unrealized Loss on Investments [Table Text Block]	(dollars in thousands) Less than 12 months 12 months or more Total Description of Securities Number of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. agencies 53 $ 39,826 $ (1,046 ) $ 39,987 (4,468 ) $ 79,813 $ (5,514 ) Collateralized mortgage obligations 6 4,825 (104 ) 4,151 (516 ) 8,976 (620 ) Municipalities 122 106,623 (1,649 ) 157,471 (24,022 ) 264,094 (25,671 ) SBA pools 4 0 0 759 (4 ) 759 (4 ) Corporate debt 13 0 0 40,694 (4,812 ) 40,694 (4,812 ) Asset backed securities 23 5,744 (54 ) 42,620 (1,685 ) 48,364 (1,739 ) Total temporarily impaired securities 221 $ 157,018 $ (2,853 ) $ 285,682 $ (35,507 ) $ 442,700 $ (38,360 ) (dollars in thousands) Less than 12 months 12 months or more Total Description of Securities Number of Securities Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. agencies 52 $ 81,936 (4,451 ) 3,972 (988 ) $ 85,908 $ (5,439 ) Collateralized mortgage obligations 5 4,278 (431 ) 333 (52 ) 4,611 (483 ) Municipalities 132 216,154 (16,782 ) 46,348 (14,297 ) 262,502 (31,079 ) SBA pools 4 0 0 975 (6 ) 975 (6 ) Corporate debt 14 30,971 (3,041 ) 11,089 (2,411 ) 42,060 (5,452 ) Asset backed securities 24 36,275 (1,669 ) 14,043 (552 ) 50,318 (2,221 ) Total temporarily impaired securities 231 $ 369,614 $ (26,374 ) $ 76,760 $ (18,306 ) $ 446,374 $ (44,680 )
Investments Classified by Contractual Maturity Date [Table Text Block]	(dollars in thousands) Amortized Cost Fair Value Available-for-sale securities: Due in one year or less 101,652 95,302 Due after one year through five years 116,321 113,951 Due after five years through ten years 251,518 228,844 Due after ten years 83,281 77,754 $ 552,772 $ 515,851

Note 4 - Loans (Tables)

Note 4 - Loans (Tables)	6 Months Ended
	Jun. 30, 2023
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	(in thousands) June 30, 2023 December 31, 2022 Commercial real estate: Commercial real estate- construction $ 21,152 $ 31,257 Commercial real estate- mortgages 694,089 650,180 Land 19,750 12,539 Farmland 91,623 85,989 Commercial and industrial 71,578 82,506 Consumer 379 375 Consumer residential 30,776 31,861 Agriculture 21,141 21,051 Total loans 950,488 915,758 Less: Deferred loan fees and costs, net (1,369 ) (1,255 ) Allowance for credit losses (9,411 ) (9,468 ) Net loans $ 939,708 $ 905,035
Financing Receivable, Past Due [Table Text Block]	June 30, 2023 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Total 90 Days or More Past Due and Still Accruing Commercial real estate: Commercial R.E. - construction $ 0 $ 0 $ 0 $ 0 $ 21,152 $ 21,152 $ 0 Commercial R.E. - mortgages 0 0 0 0 694,089 694,089 0 Land 0 0 0 0 19,750 19,750 0 Farmland 0 0 0 0 91,623 91,623 0 Commercial and industrial 0 0 0 0 71,578 71,578 0 Consumer 0 0 0 0 379 379 0 Consumer residential 0 0 0 0 30,776 30,776 0 Agriculture 0 0 0 0 21,141 21,141 0 Total $ 0 $ 0 $ 0 $ 0 $ 950,488 $ 950,488 $ 0 December 31, 2022 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Total 90 Days or More Past Due and Still Accruing Commercial real estate: Commercial R.E. – construction $ 0 $ 0 $ 0 $ 0 $ 31,257 $ 31,257 $ 0 Commercial R.E. – mortgages 0 0 0 0 650,180 650,180 0 Land 0 0 0 0 12,539 12,539 0 Farmland 0 0 0 0 85,989 85,989 0 Commercial and industrial 0 0 0 0 82,506 82,506 0 Consumer 0 0 0 0 375 375 0 Consumer residential 0 0 0 0 31,861 31,861 0 Agriculture 0 0 0 0 21,051 21,051 0 Total $ 0 $ 0 $ 0 $ 0 $ 915,758 $ 915,758 $ 0
Impaired Financing Receivables [Table Text Block]	(in thousands) Unpaid Contractual Principal Balance Recorded Investment With No Allowance Recorded Investment With Allowance Total Recorded Investment Related Allowance Average Recorded Investment December 31, 2022 Commercial real estate: Commercial R.E. - construction $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Commercial R.E. - mortgages 0 0 0 0 0 0 Land 0 0 0 0 0 0 Farmland 0 0 0 0 0 0 Commercial and Industrial 0 0 0 0 0 0 Consumer 0 0 0 0 0 0 Consumer residential 0 0 0 0 0 0 Agriculture 0 0 0 0 0 0 Total $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 (in thousands) Unpaid Contractual Principal Balance Recorded Investment With No Allowance Recorded Investment With Allowance Total Recorded Investment Related Allowance Average Recorded Investment June 30, 2022 Commercial real estate: Commercial R.E. - construction $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Commercial R.E. - mortgages 0 0 0 0 0 0 Land 0 0 0 0 0 0 Farmland 0 0 0 0 0 0 Commercial and Industrial 0 0 0 0 0 0 Consumer 0 0 0 0 0 0 Consumer residential 0 0 0 0 0 0 Agriculture 0 0 0 0 0 0 Total $ 0 $ 0 $ 0 $ 0 $ 0 $ 0
Financing Receivable Credit Quality Indicators [Table Text Block]	As of June 30, 2023 (in thousands) Term Loans Amortized Cost Basis by Origination Year Risk Grade Ratings 2023 2022 2021 2020 2019 Prior Revolving Loans Total Commercial real estate - construction Pass $ 3,750 $ 16,553 $ 219 $ 630 $ 0 $ 0 $ 0 $ 21,152 Total commercial real estate - construction 3,750 16,553 219 630 0 0 0 21,152 Commercial real estate - mortgages Pass 36,655 120,386 147,048 73,542 66,830 236,104 0 680,565 Special mention 0 0 7,822 0 0 1,032 0 8,854 Substandard 0 0 0 0 4,670 0 0 4,670 Total commercial real estate - mortgages 36,655 120,386 154,870 73,542 71,500 237,136 0 694,089 Land Pass 7,300 8,966 0 0 1,771 1,713 0 19,750 Total land 7,300 8,966 0 0 1,771 1,713 0 19,750 Farmland Pass 8,400 10,720 16,889 15,178 6,752 33,684 0 91,623 Total farmland 8,400 10,720 16,889 15,178 6,752 33,684 0 91,623 Commercial and industrial Pass 6,373 13,475 14,329 13,888 6,198 15,153 26 69,442 Special mention 0 0 0 174 67 1,540 0 1,781 Substandard 0 0 0 0 0 355 0 355 Total commercial and industrial 6,373 13,475 14,329 14,062 6,265 17,048 26 71,578 Consumer Pass 70 64 49 25 0 0 153 361 Substandard 0 0 0 0 0 18 0 18 Total consumer 70 64 49 25 0 18 153 379 Consumer residential Pass 758 5,070 4,534 3,030 1,878 7,978 7,497 30,745 Substandard 0 0 0 0 0 31 0 31 Total consumer residential 758 5,070 4,534 3,030 1,878 8,009 7,497 30,776 Agriculture Pass 383 4,481 4,687 3,560 385 7,645 0 21,141 Total agriculture 383 4,481 4,687 3,560 385 7,645 0 21,141 Total by Risk Category Pass 63,689 179,715 187,755 109,853 83,814 302,277 7,676 934,779 Special mention 0 0 7,822 174 67 2,572 0 10,635 Substandard 0 0 0 0 4,670 404 0 5,074 Total $ 63,689 $ 179,715 $ 195,577 $ 110,027 $ 88,551 $ 305,253 $ 7,676 $ 950,488 As of December 31, 2022 (in thousands) Term Loans Amortized Cost Basis by Origination Year Risk Grade Ratings 2022 2021 2020 2019 2018 Prior Revolving Loans Total Commercial real estate - construction Pass $ 18,124 $ 11,723 $ 1,148 $ 0 $ 0 $ 262 $ 0 $ 31,257 Total commercial real estate - construction 18,124 11,723 1,148 0 0 262 0 31,257 Commercial real estate - mortgages Pass 102,254 141,187 77,673 68,466 66,662 180,209 0 636,451 Special mention 0 7,959 0 0 301 744 0 9,004 Substandard 0 0 0 4,725 0 0 0 4,725 Total commercial real estate - mortgages 102,254 149,146 77,673 73,191 66,963 180,953 0 650,180 Land Pass 8,977 0 0 1,791 0 1,771 0 12,539 Total land 8,977 0 0 1,791 0 1,771 0 12,539 Farmland Pass 10,831 17,202 15,804 7,375 9,114 25,663 0 85,989 Total farmland 10,831 17,202 15,804 7,375 9,114 25,663 0 85,989 Commercial and Industrial Pass 16,563 17,974 15,468 7,399 9,702 12,597 31 79,734 Special mention 0 0 208 90 47 2,177 0 2,522 Substandard 0 0 0 0 250 0 0 250 Total commercial and industrial 16,563 17,974 15,676 7,489 9,999 14,774 31 82,506 Consumer Pass 73 62 32 1 0 22 166 356 Substandard 0 0 0 0 0 19 19 Total consumer 73 62 32 1 0 41 166 375 Consumer residential Pass 5,158 4,640 3,381 1,915 2,307 6,144 8,284 31,829 Substandard 0 0 0 0 0 32 0 32 Total consumer residential 5,158 4,640 3,381 1,915 2,307 6,176 8,284 31,861 Agriculture Pass 3,716 5,791 3,994 387 464 6,699 0 21,051 Total agriculture 3,716 5,791 3,994 387 464 6,699 0 21,051 Total by Risk Category Pass 165,696 198,579 117,500 87,334 88,249 233,367 8,481 899,206 Special mention 0 7,959 208 90 348 2,921 0 11,526 Substandard 0 0 0 4,725 250 51 0 5,026 Total $ 165,696 $ 206,538 $ 117,708 $ 92,149 $ 88,847 $ 236,339 $ 8,481 $ 915,758 Three months ended June 30, 2023 (in thousands) Term Loans Charged-off by Origination Year Chargeoffs 2023 2022 2021 2020 2019 Prior Revolving Loans Total Commercial real estate - construction $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Commercial real estate - mortgages 0 0 0 0 0 0 0 0 Land 0 0 0 0 0 0 0 0 Farmland 0 0 0 0 0 0 0 0 Commercial and Industrial 0 0 0 0 0 0 0 0 Consumer 0 0 0 0 0 0 9 9 Consumer residential 0 0 0 0 0 0 0 0 Agriculture 0 0 0 0 0 0 0 0 Total $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 9 $ 9 Six months ended June 30, 2023 (in thousands) Term Loans Charged-off by Origination Year Chargeoffs 2023 2022 2021 2020 2019 Prior Revolving Loans Total Commercial real estate - construction $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Commercial real estate - mortgages 0 0 0 0 0 0 0 0 Land 0 0 0 0 0 0 0 0 Farmland 0 0 0 0 0 0 0 0 Commercial and Industrial 0 0 12 0 0 0 0 12 Consumer 0 0 0 0 0 0 17 17 Consumer residential 0 0 0 0 0 0 0 0 Agriculture 0 0 0 0 0 0 0 0 Total $ 0 $ 0 $ 12 $ 0 $ 0 $ 0 $ 17 $ 29
Financing Receivable, Allowance for Credit Loss [Table Text Block]	Allowance for Credit Losses For the Three and Six Months Ended June 30, 2023 and 2022 (in thousands) Three Months Ended June 30, 2023 Commercial Real Estate Commercial and Industrial Consumer Consumer Residential Agriculture Total Beginning balance $ 8,470 $ 677 $ 3 $ 199 $ 34 $ 9,383 Charge-offs 0 0 (9 ) 0 0 (9 ) Recoveries 34 2 1 0 37 Provision for (reversal of) credit losses 59 (76 ) 8 3 6 0 Ending balance $ 8,563 $ 601 $ 4 $ 203 $ 40 $ 9,411 Six Months Ended June 30, 2023 Beginning balance $ 8,373 $ 612 $ 5 $ 306 $ 172 $ 9,468 CECL day-one adjustments 500 102 (1 ) (118 ) (137 ) 346 Charge-offs 0 (12 ) (17 ) 0 0 (29 ) Recoveries 68 12 5 1 0 86 Provision for (reversal of) credit losses (378 ) (113 ) 12 14 5 (460 ) Ending balance $ 8,563 $ 601 $ 4 $ 203 $ 40 $ 9,411 Three Months Ended June 30, 2022 Beginning balance $ 9,539 $ 701 $ 6 $ 311 $ 205 $ 10,762 Charge-offs 0 0 (7 ) 0 0 (7 ) Recoveries 30 0 0 0 0 30 Provision for (reversal of) credit losses (25 ) (14 ) 7 6 26 0 Ending balance $ 9,544 $ 687 $ 6 $ 317 $ 231 10,785 Six Months Ended June 30, 2022 Beginning balance $ 9,404 $ 711 $ 6 $ 327 $ 290 $ 10,738 Charge-offs 0 0 (15 ) 0 0 (15 ) Recoveries 61 0 1 0 0 62 Provision for (reversal of) credit losses 79 (24 ) 14 (10 ) (59 ) 0 Ending balance $ 9,544 $ 687 $ 6 $ 317 $ 231 10,785 (in thousands) June 30, 2023 Commercial Real Estate Commercial and Industrial Consumer Consumer Residential Agriculture Total Allowance for credit losses for loans: Individually evaluated for impairment $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Collectively evaluated for impairment 8,563 601 4 203 40 9,411 $ 8,563 $ 601 $ 4 $ 203 $ 40 $ 9,411 Ending gross loan balances: Individually evaluated for impairment $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Collectively evaluated for impairment 826,614 71,578 379 30,776 21,141 950,488 $ 826,614 $ 71,578 $ 379 $ 30,776 $ 21,141 $ 950,488 December 31, 2022 Allowance for credit losses for loans: Individually evaluated for impairment $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Collectively evaluated for impairment 8,373 612 5 306 172 9,468 $ 8,373 $ 612 $ 5 $ 306 $ 172 $ 9,468 Ending gross loan balances: Individually evaluated for impairment $ 0 $ 0 $ 0 $ 0 $ 0 $ 0 Collectively evaluated for impairment 779,965 82,506 375 31,861 21,051 915,758 $ 779,965 $ 82,506 $ 375 $ 31,861 $ 21,051 $ 915,758
Change in Allowance for Loan Losses [Table Text Block]	(in thousands) THREE MONTHS ENDED JUNE 30, SIX MONTHS ENDED JUNE 30, 2023 2022 2023 2022 Balance, beginning of period $ 741 $ 463 $ 546 $ 469 CECL day-one adjustment 0 0 547 0 (Reversal of) Provision to Operations for Off Balance Sheet Commitments (70 ) 12 (422 ) 6 Balance, end of period $ 671 $ 475 $ 671 $ 475

Note 5 - Financial Instrument_2

Note 5 - Financial Instruments and Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2023
Notes Tables
Fair Value, by Balance Sheet Grouping [Table Text Block]	Hierarchy (in thousands) Carrying Fair Valuation Amount Value Level Financial assets: Cash and cash equivalents $ 300,546 $ 300,546 1 Restricted equity securities 5,956 5,956 2 Loans, net 939,708 878,458 3 Interest receivable 7,915 7,915 2 Financial liabilities: Deposits (1,682,378 ) (1,681,250 ) 3 Interest payable (24 ) (24 ) 2 Off-balance-sheet liabilities: Commitments and standby letters of credit (2,053 ) 3 Hierarchy (in thousands) Carrying Fair Valuation Amount Value Level Financial assets: Cash and cash equivalents $ 429,633 $ 429,633 1 Restricted equity securities 5,236 5,236 2 Loans, net 905,035 853,224 3 Interest receivable 8,438 8,438 2 Financial liabilities: Deposits (1,814,297 ) (1,813,136 ) 3 Interest payable (22 ) (22 ) 2 Off-balance-sheet assets (liabilities): Commitments and standby letters of credit (2,124 ) 3
Fair Value Measurements, Recurring and Nonrecurring [Table Text Block]	Fair Value Measurements as of June 30, 2023 Using (in thousands) June 30, 2023 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets and liabilities measured on a recurring basis: Available-for-sale securities: U.S. agencies $ 82,475 $ 0 $ 82,475 $ 0 Collateralized mortgage obligations 8,975 0 8,975 0 Municipalities 323,558 0 323,558 0 SBA pools 1,897 0 1,897 0 Corporate debt 42,707 0 42,707 0 Asset-backed securities 56,238 0 56,238 0 Equity Securities: Mutual fund $ 3,042 $ 3,042 $ 0 $ 0 Assets and liabilities measured on a non-recurring basis: N/A Fair Value Measurements at December 31, 2022 Using (in thousands) December 31, 2022 Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Assets and liabilities measured on a recurring basis: Available-for-sale securities: U.S. agencies $ 88,721 $ 0 $ 88,721 $ 0 Collateralized mortgage obligations 4,611 0 4,611 0 Municipalities 331,581 0 331,581 0 SBA pools 2,362 0 2,362 0 Corporate debt 42,060 0 42,060 0 Asset-backed securities 58,103 0 58,103 0 Equity Securities: Mutual fund $ 2,990 $ 2,990 $ 0 $ 0 Assets and liabilities measured on a non-recurring basis: N/A

Note 6 - Earnings Per Share (Ta

Note 6 - Earnings Per Share (Tables)	6 Months Ended
	Jun. 30, 2023
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	THREE MONTHS ENDED (In thousands) JUNE 30, 2023 2022 BASIC EARNINGS PER SHARE Net income $ 8,404 $ 4,258 Weighted average shares outstanding 8,195 8,170 Net income per common share $ 1.03 $ 0.52 DILUTED EARNINGS PER SHARE Net income $ 8,404 $ 4,258 Weighted average shares outstanding 8,195 8,170 Effect of dilutive non-vested restricted shares 32 31 Weighted average shares of common stock and common stock equivalents 8,227 8,201 Net income per diluted common share $ 1.02 $ 0.52 SIX MONTHS ENDED (In thousands) JUNE 30, 2023 2022 BASIC EARNINGS PER SHARE Net income $ 17,629 $ 6,627 Weighted average shares outstanding 8,189 8,164 Net income per common share $ 2.15 $ 0.81 DILUTED EARNINGS PER SHARE Net income $ 17,629 $ 6,627 Weighted average shares outstanding 8,189 8,164 Effect of dilutive non-vested restricted shares 38 35 Weighted average shares of common stock and common stock equivalents 8,227 8,199 Net income per diluted common share $ 2.14 $ 0.81

Note 2 - Recent Accounting Pr_2

Note 2 - Recent Accounting Pronouncements (Details Textual) - USD ($)	Jun. 30, 2023	Mar. 31, 2023	Jan. 01, 2023	Dec. 31, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss	$ 9,411,000	$ 9,383,000		$ 9,468,000	$ 10,785,000	$ 10,762,000	$ 10,738,000
Off-Balance-Sheet, Credit Loss, Liability	671,000	741,000		546,000	$ 475,000	463,000	469,000
Retained Earnings (Accumulated Deficit)	$ 142,407,000			126,728,000
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Financing Receivable, Allowance for Credit Loss			$ 346,000	9,468,000
Off-Balance-Sheet, Credit Loss, Liability		$ 0	547,000	$ 547,000		$ 0	$ 0
Retained Earnings (Accumulated Deficit)			(629,000)
Deferred Tax Assets, Net of Valuation Allowance			$ 285,000

Note 3 - Securities (Details Te

Note 3 - Securities (Details Textual)	3 Months Ended		6 Months Ended
	Jun. 30, 2023 USD ($)	Jun. 30, 2022 USD ($)	Jun. 30, 2023 USD ($)	Jun. 30, 2022 USD ($)	Dec. 31, 2022 USD ($)
Equity Securities, FV-NI, Current	$ 3,042,000		$ 3,042,000		$ 2,990,000
Equity Securities, FV-NI, Realized Gain (Loss), Total	0	$ 0	0	$ 0
Equity Securities, FV-NI, Unrealized Gain (Loss)	$ (48,000)	$ (139,000)	$ (3,000)	$ (316,000)
Number of Debt Securities, Available-for-sale, Sold	0	0	24	0
Debt Securities, Available-for-Sale, Book Value of Securities Sold	$ 42,791,000		$ 42,791,000
Debt Securities, Available-for-Sale, Realized Loss			72,000
Debt Securities, Available-for-Sale, Realized Gain			215,000
Debt Securities, Available-for-Sale, Realized Gain (Loss)	0	$ 0	143,000	$ 0
Asset Pledged as Collateral [Member] | Public Funds [Member]
Debt Securities	289,092,000		289,092,000		$ 242,023,000
Debt Securities, Called During The Period [member]
Debt Securities, Realized Gain (Loss)	$ 0	$ 0	$ 0	$ 0

Note 3 - Securities - Amortized

Note 3 - Securities - Amortized Cost and Estimated Fair Values of Debt Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Available-for-sale securities, amortized cost	$ 552,772	$ 571,062
Available-for-sale securities, gross unrealized gains	1,439	1,056
Available-for-sale securities, gross unrealized losses	(38,360)	(44,680)
Available-for-sale securities, fair market value	515,851	527,438
US Government Agencies Debt Securities [Member]
Available-for-sale securities, amortized cost	87,985	94,142
Available-for-sale securities, gross unrealized gains	5	18
Available-for-sale securities, gross unrealized losses	(5,514)	(5,439)
Available-for-sale securities, fair market value	82,476	88,721
Collateralized Mortgage Obligations [Member]
Available-for-sale securities, amortized cost	9,595	5,094
Available-for-sale securities, gross unrealized gains	0	0
Available-for-sale securities, gross unrealized losses	(620)	(483)
Available-for-sale securities, fair market value	8,975	4,611
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale securities, amortized cost	347,871	361,643
Available-for-sale securities, gross unrealized gains	1,358	1,017
Available-for-sale securities, gross unrealized losses	(25,671)	(31,079)
Available-for-sale securities, fair market value	323,558	331,581
SBA Pool [Member]
Available-for-sale securities, amortized cost	1,895	2,358
Available-for-sale securities, gross unrealized gains	6	10
Available-for-sale securities, gross unrealized losses	(4)	(6)
Available-for-sale securities, fair market value	1,897	2,362
Corporate Debt Securities [Member]
Available-for-sale securities, amortized cost	47,506	47,512
Available-for-sale securities, gross unrealized gains	13	0
Available-for-sale securities, gross unrealized losses	(4,812)	(5,452)
Available-for-sale securities, fair market value	42,707	42,060
Asset-Backed Securities [Member]
Available-for-sale securities, amortized cost	57,920	60,313
Available-for-sale securities, gross unrealized gains	57	11
Available-for-sale securities, gross unrealized losses	(1,739)	(2,221)
Available-for-sale securities, fair market value	$ 56,238	$ 58,103

Note 3 - Securities - Securitie

Note 3 - Securities - Securities in a Continuous Loss Position (Details) Pure in Thousands, $ in Thousands	Jun. 30, 2023 USD ($)	Dec. 31, 2022 USD ($)
Number of Securities	221	231
Less than 12 months, fair value	$ (157,018)	$ (369,614)
Less than 12 months, unrealized loss	(2,853)	(26,374)
12 months or more, fair value	(285,682)	(76,760)
12 months or more, unrealized loss	(35,507)	(18,306)
Fair value	(442,700)	(446,374)
Unrealized loss	$ (38,360)	$ (44,680)
US Government Agencies Debt Securities [Member]
Number of Securities	53	52
Less than 12 months, fair value	$ (39,826)	$ (81,936)
Less than 12 months, unrealized loss	(1,046)	(4,451)
12 months or more, fair value	(39,987)	(3,972)
12 months or more, unrealized loss	(4,468)	(988)
Fair value	(79,813)	(85,908)
Unrealized loss	$ (5,514)	$ (5,439)
Collateralized Mortgage Obligations [Member]
Number of Securities	6	5
Less than 12 months, fair value	$ (4,825)	$ (4,278)
Less than 12 months, unrealized loss	(104)	(431)
12 months or more, fair value	(4,151)	(333)
12 months or more, unrealized loss	(516)	(52)
Fair value	(8,976)	(4,611)
Unrealized loss	$ (620)	$ (483)
US States and Political Subdivisions Debt Securities [Member]
Number of Securities	122	132
Less than 12 months, fair value	$ (106,623)	$ (216,154)
Less than 12 months, unrealized loss	(1,649)	(16,782)
12 months or more, fair value	(157,471)	(46,348)
12 months or more, unrealized loss	(24,022)	(14,297)
Fair value	(264,094)	(262,502)
Unrealized loss	$ (25,671)	$ (31,079)
SBA Pool [Member]
Number of Securities	4	4
Less than 12 months, fair value	$ 0	$ 0
Less than 12 months, unrealized loss	0	0
12 months or more, fair value	(759)	(975)
12 months or more, unrealized loss	(4)	(6)
Fair value	(759)	(975)
Unrealized loss	$ (4)	$ (6)
Corporate Debt Securities [Member]
Number of Securities	13	14
Less than 12 months, fair value	$ 0	$ (30,971)
Less than 12 months, unrealized loss	0	(3,041)
12 months or more, fair value	(40,694)	(11,089)
12 months or more, unrealized loss	(4,812)	(2,411)
Fair value	(40,694)	(42,060)
Unrealized loss	$ (4,812)	$ (5,452)
Asset-Backed Securities [Member]
Number of Securities	23	24
Less than 12 months, fair value	$ (5,744)	$ (36,275)
Less than 12 months, unrealized loss	(54)	(1,669)
12 months or more, fair value	(42,620)	(14,043)
12 months or more, unrealized loss	(1,685)	(552)
Fair value	(48,364)	(50,318)
Unrealized loss	$ (1,739)	$ (2,221)

Note 3 - Securities - Contractu

Note 3 - Securities - Contractual Maturity or Call Date (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Due in one year or less, amortized cost	$ 101,652
Due in one year or less, fair value	95,302
Due after one year through five years, amortized cost	116,321
Due after one year through five years, fair value	113,951
Due after five years through ten years, amortized cost	251,518
Due after five years through ten years, fair value	228,844
Due after ten years, amortized cost	83,281
Due after ten years, fair value	77,754
Amortized cost	552,772	$ 571,062
Fair Value	$ 515,851	$ 527,438

Note 4 - Loans (Details Textual

Note 4 - Loans (Details Textual)	3 Months Ended		6 Months Ended		12 Months Ended
	Mar. 31, 2023 USD ($)	Jun. 30, 2022 USD ($)	Jun. 30, 2023 USD ($)	Jun. 30, 2022 USD ($)	Dec. 31, 2022 USD ($)	Dec. 30, 2022	Jan. 01, 2023 USD ($)	Mar. 31, 2022 USD ($)	Dec. 31, 2021 USD ($)
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process			$ 950,488,000		$ 915,758,000
Financing Receivable, Percentage of Outstanding Principal Balance Secured by Owner Occupied Properties			36%		38%
Underwriting Standards, Loan to Value Percentage			80%
Underwriting Standards, Housing Percentage			36%
Underwriting Standards, Total Debt Ratio			42%
Financing Receivable, Nonaccrual		$ 0	$ 0	$ 0	$ 0
Impaired Financing Receivable, Interest Income, Accrual Method			$ 0		$ 0
Financing Receivable, Modifications, Number of Contracts				0	0
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts		0		0		0
Financing Receivable Modifications, Period Contractually Past Due for Loan to Be Considered in Payment Default (Day)				90 days
Loans and Leases Receivable, Minimum Cash Collateral Percent			110%
Financing Receivable, Allowance for Credit Loss	$ 9,383,000	$ 10,785,000	$ 9,411,000	$ 10,785,000	$ 9,468,000			$ 10,762,000	$ 10,738,000
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged			950,488,000
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Loss					9,468,000		$ 346,000
Unlikely to be Collected Financing Receivable [Member]
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process			0		0
SBA CARES Act Paycheck Protection Program [Member]
Financing Receivable, Paid-off Through Forgiveness	1,500,000				29,000,000
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process			$ 126,000		1,831,000
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Gross Carrying Amount As Percentage of Total Loans			87%
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process			$ 826,614,000		779,965,000
Financing Receivable, Allowance for Credit Loss	8,470,000	9,544,000	$ 8,563,000	9,544,000	8,373,000			9,539,000	9,404,000
Commercial Real Estate Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Loss							500,000
Commercial Portfolio Segment [Member]
Financing Receivable, Gross Carrying Amount As Percentage of Total Loans			8%
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process			$ 71,578,000		82,506,000
Financing Receivable, Allowance for Credit Loss	677,000	687,000	$ 601,000	687,000	612,000			701,000	711,000
Commercial Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Loss							102,000
Residential Real Estate and Other Consumer Loans [Member]
Financing Receivable, Gross Carrying Amount As Percentage of Total Loans			3%
Agriculture [Member]
Financing Receivable, Gross Carrying Amount As Percentage of Total Loans			2%
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process			$ 21,141,000		21,051,000
Financing Receivable, Allowance for Credit Loss	$ 34,000	$ 231,000	$ 40,000	$ 231,000	$ 172,000			$ 205,000	$ 290,000
Agriculture [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Financing Receivable, Allowance for Credit Loss							$ (137,000)

Note 4 - Loans - Loans (Details

Note 4 - Loans - Loans (Details) - USD ($)	Jun. 30, 2023	Mar. 31, 2023	Dec. 31, 2022	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021
Loans	$ 950,488,000		$ 915,758,000
Deferred loan fees and costs, net	(1,369,000)		(1,255,000)
Allowance for credit losses	(9,411,000)	$ (9,383,000)	(9,468,000)	$ (10,785,000)	$ (10,762,000)	$ (10,738,000)
Net loans	939,708,000		905,035,000
Commercial Real Estate Portfolio Segment [Member]
Loans	826,614,000		779,965,000
Allowance for credit losses	(8,563,000)	(8,470,000)	(8,373,000)	(9,544,000)	(9,539,000)	(9,404,000)
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans	21,152,000		31,257,000
Commercial Real Estate Portfolio Segment [Member] | Mortgage Loans [Member]
Loans	694,089,000		650,180,000
Commercial Real Estate Portfolio Segment [Member] | Land Loans [Member]
Loans	19,750,000		12,539,000
Commercial Real Estate Portfolio Segment [Member] | Farmland Loans [Member]
Loans	91,623,000		85,989,000
Commercial Portfolio Segment [Member]
Loans	71,578,000		82,506,000
Allowance for credit losses	(601,000)	(677,000)	(612,000)	(687,000)	(701,000)	(711,000)
Consumer Portfolio Segment [Member]
Loans	379,000		375,000
Allowance for credit losses	(4,000)	(3,000)	(5,000)	(6,000)	(6,000)	(6,000)
Residential Portfolio Segment [Member]
Loans	30,776,000		31,861,000
Allowance for credit losses	(203,000)	(199,000)	(306,000)	(317,000)	(311,000)	(327,000)
Agriculture [Member]
Loans	21,141,000		21,051,000
Allowance for credit losses	$ (40,000)	$ (34,000)	$ (172,000)	$ (231,000)	$ (205,000)	$ (290,000)

Note 4 - Loans - Aging of Past

Note 4 - Loans - Aging of Past Due Loans (Details) - USD ($)	Jun. 30, 2023	Dec. 31, 2022
Loans	$ 950,488,000	$ 915,758,000
Greater than 90 days past due and still accruing	0	0
Financial Asset, 30 to 59 Days Past Due [Member]
Loans	0	0
Financial Asset, 60 to 89 Days Past Due [Member]
Loans	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	0	0
Financial Asset, Past Due [Member]
Loans	0	0
Financial Asset, Not Past Due [Member]
Loans	950,488,000	915,758,000
Commercial Real Estate Portfolio Segment [Member]
Loans	826,614,000	779,965,000
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Loans	21,152,000	31,257,000
Greater than 90 days past due and still accruing	0	0
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Financial Asset, Past Due [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Financial Asset, Not Past Due [Member]
Loans	21,152,000	31,257,000
Commercial Real Estate Portfolio Segment [Member] | Mortgage Loans [Member]
Loans	694,089,000	650,180,000
Greater than 90 days past due and still accruing	0	0
Commercial Real Estate Portfolio Segment [Member] | Mortgage Loans [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Mortgage Loans [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Mortgage Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Mortgage Loans [Member] | Financial Asset, Past Due [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Mortgage Loans [Member] | Financial Asset, Not Past Due [Member]
Loans	694,089,000	650,180,000
Commercial Real Estate Portfolio Segment [Member] | Land Loans [Member]
Loans	19,750,000	12,539,000
Greater than 90 days past due and still accruing	0	0
Commercial Real Estate Portfolio Segment [Member] | Land Loans [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Land Loans [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Land Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Land Loans [Member] | Financial Asset, Past Due [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Land Loans [Member] | Financial Asset, Not Past Due [Member]
Loans	19,750,000	12,539,000
Commercial Real Estate Portfolio Segment [Member] | Farmland Loans [Member]
Loans	91,623,000	85,989,000
Greater than 90 days past due and still accruing	0	0
Commercial Real Estate Portfolio Segment [Member] | Farmland Loans [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Farmland Loans [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Farmland Loans [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Farmland Loans [Member] | Financial Asset, Past Due [Member]
Loans	0	0
Commercial Real Estate Portfolio Segment [Member] | Farmland Loans [Member] | Financial Asset, Not Past Due [Member]
Loans	91,623,000	85,989,000
Commercial Portfolio Segment [Member]
Loans	71,578,000	82,506,000
Greater than 90 days past due and still accruing	0	0
Commercial Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans	0	0
Commercial Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans	0	0
Commercial Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	0	0
Commercial Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans	0	0
Commercial Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans	71,578,000	82,506,000
Consumer Portfolio Segment [Member]
Loans	379,000	375,000
Greater than 90 days past due and still accruing	0	0
Consumer Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans	0	0
Consumer Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans	0	0
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	0	0
Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans	0	0
Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans	379,000	375,000
Residential Portfolio Segment [Member]
Loans	30,776,000	31,861,000
Greater than 90 days past due and still accruing	0	0
Residential Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans	0	0
Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans	0	0
Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	0	0
Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans	0	0
Residential Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans	30,776,000	31,861,000
Agriculture [Member]
Loans	21,141,000	21,051,000
Greater than 90 days past due and still accruing	0	0
Agriculture [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans	0	0
Agriculture [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans	0	0
Agriculture [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	0	0
Agriculture [Member] | Financial Asset, Past Due [Member]
Loans	0	0
Agriculture [Member] | Financial Asset, Not Past Due [Member]
Loans	$ 21,141,000	$ 21,051,000

Note 4 - Loans - Impaired Loans

Note 4 - Loans - Impaired Loans (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2022	Dec. 31, 2022
Unpaid contractual principal (USD)	$ 0	$ 0
Recorded investment with no allowance (USD)	0	0
Recorded investment with allowance	0	0
Total recorded investment	0	0
Related allowance	0	0
Average recorded investment	0	0
Commercial Portfolio Segment [Member]
Unpaid contractual principal (USD)	0	0
Recorded investment with no allowance (USD)	0	0
Recorded investment with allowance	0	0
Total recorded investment	0	0
Related allowance	0	0
Average recorded investment	0	0
Consumer Portfolio Segment [Member]
Unpaid contractual principal (USD)	0	0
Recorded investment with no allowance (USD)	0	0
Recorded investment with allowance	0	0
Total recorded investment	0	0
Related allowance	0	0
Average recorded investment	0	0
Residential Portfolio Segment [Member]
Unpaid contractual principal (USD)	0	0
Recorded investment with no allowance (USD)	0	0
Recorded investment with allowance	0	0
Total recorded investment	0	0
Related allowance	0	0
Average recorded investment	0	0
Agriculture [Member]
Unpaid contractual principal (USD)	0	0
Recorded investment with no allowance (USD)	0	0
Recorded investment with allowance	0	0
Total recorded investment	0	0
Related allowance	0	0
Average recorded investment	0	0
Construction Loans [Member] | Commercial Real Estate Portfolio Segment [Member]
Unpaid contractual principal (USD)	0	0
Recorded investment with no allowance (USD)	0	0
Recorded investment with allowance	0	0
Total recorded investment	0	0
Related allowance	0	0
Average recorded investment	0	0
Mortgage Loans [Member] | Commercial Real Estate Portfolio Segment [Member]
Unpaid contractual principal (USD)	0	0
Recorded investment with no allowance (USD)	0	0
Recorded investment with allowance	0	0
Total recorded investment	0	0
Related allowance	0	0
Average recorded investment	0	0
Land Loans [Member] | Commercial Real Estate Portfolio Segment [Member]
Unpaid contractual principal (USD)	0	0
Recorded investment with no allowance (USD)	0	0
Recorded investment with allowance	0	0
Total recorded investment	0	0
Related allowance	0	0
Average recorded investment	0	0
Farmland Loans [Member] | Commercial Real Estate Portfolio Segment [Member]
Unpaid contractual principal (USD)	0	0
Recorded investment with no allowance (USD)	0	0
Recorded investment with allowance	0	0
Total recorded investment	0	0
Related allowance	0	0
Average recorded investment	$ 0	$ 0

Note 4 - Loans - Credit Quality

Note 4 - Loans - Credit Quality Indicators (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Dec. 31, 2022
Financing Receivable, Year One	$ 63,689,000		$ 63,689,000		$ 165,696,000
Financing Receivable, Year Two	179,715,000		179,715,000		206,538,000
Financing Receivable, Year Three	195,577,000		195,577,000		117,708,000
Financing Receivable, Year Four	110,027,000		110,027,000		92,149,000
Financing Receivable, Year Five	88,551,000		88,551,000		88,847,000
Financing Receivable, Prior	305,253,000		305,253,000		236,339,000
Financing Receivable, Revolving	7,676,000		7,676,000		8,481,000
Loans	950,488,000		950,488,000		915,758,000
loans write off, current	0		0
loans write off, one year before	0		0
loans write off, two years before	0		12,000
loans write off, three years before	0		0
loans write off, four years before	0		0
loans write off, prior	0		0
loans write off, revolving	9,000		17,000
loans write off, total	9,000	$ 7,000	29,000	$ 15,000
Pass [Member]
Financing Receivable, Year One	63,689,000		63,689,000		165,696,000
Financing Receivable, Year Two	179,715,000		179,715,000		198,579,000
Financing Receivable, Year Three	187,755,000		187,755,000		117,500,000
Financing Receivable, Year Four	109,853,000		109,853,000		87,334,000
Financing Receivable, Year Five	83,814,000		83,814,000		88,249,000
Financing Receivable, Prior	302,277,000		302,277,000		233,367,000
Financing Receivable, Revolving	7,676,000		7,676,000		8,481,000
Loans	934,779,000		934,779,000		899,206,000
Special Mention [Member]
Financing Receivable, Year One	0		0		0
Financing Receivable, Year Two	0		0		7,959,000
Financing Receivable, Year Three	7,822,000		7,822,000		208,000
Financing Receivable, Year Four	174,000		174,000		90,000
Financing Receivable, Year Five	67,000		67,000		348,000
Financing Receivable, Prior	2,572,000		2,572,000		2,921,000
Financing Receivable, Revolving	0		0		0
Loans	10,635,000		10,635,000		11,526,000
Substandard [Member]
Financing Receivable, Year One	0		0		0
Financing Receivable, Year Two	0		0		0
Financing Receivable, Year Three	0		0		0
Financing Receivable, Year Four	0		0		4,725,000
Financing Receivable, Year Five	4,670,000		4,670,000		250,000
Financing Receivable, Prior	404,000		404,000		51,000
Financing Receivable, Revolving	0		0		0
Loans	5,074,000		5,074,000		5,026,000
Commercial Real Estate Portfolio Segment [Member]
Loans	826,614,000		826,614,000		779,965,000
loans write off, total	0	0	0	0
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member]
Financing Receivable, Year One	3,750,000		3,750,000		18,124,000
Financing Receivable, Year Two	16,553,000		16,553,000		11,723,000
Financing Receivable, Year Three	219,000		219,000		1,148,000
Financing Receivable, Year Four	630,000		630,000		0
Financing Receivable, Year Five	0		0		0
Financing Receivable, Prior	0		0		262,000
Financing Receivable, Revolving	0		0		0
Loans	21,152,000		21,152,000		31,257,000
loans write off, current	0		0
loans write off, one year before	0		0
loans write off, two years before	0		0
loans write off, three years before	0		0
loans write off, four years before	0		0
loans write off, prior	0		0
loans write off, revolving	0		0
loans write off, total	0		0
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] | Pass [Member]
Financing Receivable, Year One	3,750,000		3,750,000		18,124,000
Financing Receivable, Year Two	16,553,000		16,553,000		11,723,000
Financing Receivable, Year Three	219,000		219,000		1,148,000
Financing Receivable, Year Four	630,000		630,000		0
Financing Receivable, Year Five	0		0		0
Financing Receivable, Prior	0		0		262,000
Financing Receivable, Revolving	0		0		0
Loans	21,152,000		21,152,000		31,257,000
Commercial Real Estate Portfolio Segment [Member] | Mortgage Loans [Member]
Financing Receivable, Year One	36,655,000		36,655,000		102,254,000
Financing Receivable, Year Two	120,386,000		120,386,000		149,146,000
Financing Receivable, Year Three	154,870,000		154,870,000		77,673,000
Financing Receivable, Year Four	73,542,000		73,542,000		73,191,000
Financing Receivable, Year Five	71,500,000		71,500,000		66,963,000
Financing Receivable, Prior	237,136,000		237,136,000		180,953,000
Financing Receivable, Revolving	0		0		0
Loans	694,089,000		694,089,000		650,180,000
loans write off, current	0		0
loans write off, one year before	0		0
loans write off, two years before	0		0
loans write off, three years before	0		0
loans write off, four years before	0		0
loans write off, prior	0		0
loans write off, revolving	0		0
loans write off, total	0		0
Commercial Real Estate Portfolio Segment [Member] | Mortgage Loans [Member] | Pass [Member]
Financing Receivable, Year One	36,655,000		36,655,000		102,254,000
Financing Receivable, Year Two	120,386,000		120,386,000		141,187,000
Financing Receivable, Year Three	147,048,000		147,048,000		77,673,000
Financing Receivable, Year Four	73,542,000		73,542,000		68,466,000
Financing Receivable, Year Five	66,830,000		66,830,000		66,662,000
Financing Receivable, Prior	236,104,000		236,104,000		180,209,000
Financing Receivable, Revolving	0		0		0
Loans	680,565,000		680,565,000		636,451,000
Commercial Real Estate Portfolio Segment [Member] | Mortgage Loans [Member] | Special Mention [Member]
Financing Receivable, Year One	0		0		0
Financing Receivable, Year Two	0		0		7,959,000
Financing Receivable, Year Three	7,822,000		7,822,000		0
Financing Receivable, Year Four	0		0		0
Financing Receivable, Year Five	0		0		301,000
Financing Receivable, Prior	1,032,000		1,032,000		744,000
Financing Receivable, Revolving	0		0		0
Loans	8,854,000		8,854,000		9,004,000
Commercial Real Estate Portfolio Segment [Member] | Mortgage Loans [Member] | Substandard [Member]
Financing Receivable, Year One	0		0		0
Financing Receivable, Year Two	0		0		0
Financing Receivable, Year Three	0		0		0
Financing Receivable, Year Four	0		0		4,725,000
Financing Receivable, Year Five	4,670,000		4,670,000		0
Financing Receivable, Prior	0		0		0
Financing Receivable, Revolving	0		0		0
Loans	4,670,000		4,670,000		4,725,000
Commercial Real Estate Portfolio Segment [Member] | Land Loans [Member]
Financing Receivable, Year One	7,300,000		7,300,000		8,977,000
Financing Receivable, Year Two	8,966,000		8,966,000		0
Financing Receivable, Year Three	0		0		0
Financing Receivable, Year Four	0		0		1,791,000
Financing Receivable, Year Five	1,771,000		1,771,000		0
Financing Receivable, Prior	1,713,000		1,713,000		1,771,000
Financing Receivable, Revolving	0		0		0
Loans	19,750,000		19,750,000		12,539,000
loans write off, current	0		0
loans write off, one year before	0		0
loans write off, two years before	0		0
loans write off, three years before	0		0
loans write off, four years before	0		0
loans write off, prior	0		0
loans write off, revolving	0		0
loans write off, total	0		0
Commercial Real Estate Portfolio Segment [Member] | Land Loans [Member] | Pass [Member]
Financing Receivable, Year One	7,300,000		7,300,000		8,977,000
Financing Receivable, Year Two	8,966,000		8,966,000		0
Financing Receivable, Year Three	0		0		0
Financing Receivable, Year Four	0		0		1,791,000
Financing Receivable, Year Five	1,771,000		1,771,000		0
Financing Receivable, Prior	1,713,000		1,713,000		1,771,000
Financing Receivable, Revolving	0		0		0
Loans	19,750,000		19,750,000		12,539,000
Commercial Real Estate Portfolio Segment [Member] | Farmland Loans [Member]
Financing Receivable, Year One	8,400,000		8,400,000		10,831,000
Financing Receivable, Year Two	10,720,000		10,720,000		17,202,000
Financing Receivable, Year Three	16,889,000		16,889,000		15,804,000
Financing Receivable, Year Four	15,178,000		15,178,000		7,375,000
Financing Receivable, Year Five	6,752,000		6,752,000		9,114,000
Financing Receivable, Prior	33,684,000		33,684,000		25,663,000
Financing Receivable, Revolving	0		0		0
Loans	91,623,000		91,623,000		85,989,000
loans write off, current	0		0
loans write off, one year before	0		0
loans write off, two years before	0		0
loans write off, three years before	0		0
loans write off, four years before	0		0
loans write off, prior	0		0
loans write off, revolving	0		0
loans write off, total	0		0
Commercial Real Estate Portfolio Segment [Member] | Farmland Loans [Member] | Pass [Member]
Financing Receivable, Year One	8,400,000		8,400,000		10,831,000
Financing Receivable, Year Two	10,720,000		10,720,000		17,202,000
Financing Receivable, Year Three	16,889,000		16,889,000		15,804,000
Financing Receivable, Year Four	15,178,000		15,178,000		7,375,000
Financing Receivable, Year Five	6,752,000		6,752,000		9,114,000
Financing Receivable, Prior	33,684,000		33,684,000		25,663,000
Financing Receivable, Revolving	0		0		0
Loans	91,623,000		91,623,000		85,989,000
Commercial Portfolio Segment [Member]
Financing Receivable, Year One	6,373,000		6,373,000		16,563,000
Financing Receivable, Year Two	13,475,000		13,475,000		17,974,000
Financing Receivable, Year Three	14,329,000		14,329,000		15,676,000
Financing Receivable, Year Four	14,062,000		14,062,000		7,489,000
Financing Receivable, Year Five	6,265,000		6,265,000		9,999,000
Financing Receivable, Prior	17,048,000		17,048,000		14,774,000
Financing Receivable, Revolving	26,000		26,000		31,000
Loans	71,578,000		71,578,000		82,506,000
loans write off, current	0		0
loans write off, one year before	0		0
loans write off, two years before	0		12,000
loans write off, three years before	0		0
loans write off, four years before	0		0
loans write off, prior	0		0
loans write off, revolving	0		0
loans write off, total	0	0	12,000	0
Commercial Portfolio Segment [Member] | Pass [Member]
Financing Receivable, Year One	6,373,000		6,373,000		16,563,000
Financing Receivable, Year Two	13,475,000		13,475,000		17,974,000
Financing Receivable, Year Three	14,329,000		14,329,000		15,468,000
Financing Receivable, Year Four	13,888,000		13,888,000		7,399,000
Financing Receivable, Year Five	6,198,000		6,198,000		9,702,000
Financing Receivable, Prior	15,153,000		15,153,000		12,597,000
Financing Receivable, Revolving	26,000		26,000		31,000
Loans	69,442,000		69,442,000		79,734,000
Commercial Portfolio Segment [Member] | Special Mention [Member]
Financing Receivable, Year One	0		0		0
Financing Receivable, Year Two	0		0		0
Financing Receivable, Year Three	0		0		208,000
Financing Receivable, Year Four	174,000		174,000		90,000
Financing Receivable, Year Five	67,000		67,000		47,000
Financing Receivable, Prior	1,540,000		1,540,000		2,177,000
Financing Receivable, Revolving	0		0		0
Loans	1,781,000		1,781,000		2,522,000
Commercial Portfolio Segment [Member] | Substandard [Member]
Financing Receivable, Year One	0		0		0
Financing Receivable, Year Two	0		0		0
Financing Receivable, Year Three	0		0		0
Financing Receivable, Year Four	0		0		0
Financing Receivable, Year Five	0		0		250,000
Financing Receivable, Prior	355,000		355,000		0
Financing Receivable, Revolving	0		0		0
Loans	355,000		355,000		250,000
Consumer Portfolio Segment [Member]
Financing Receivable, Year One	70,000		70,000		73,000
Financing Receivable, Year Two	64,000		64,000		62,000
Financing Receivable, Year Three	49,000		49,000		32,000
Financing Receivable, Year Four	25,000		25,000		1,000
Financing Receivable, Year Five	0		0		0
Financing Receivable, Prior	18,000		18,000		41,000
Financing Receivable, Revolving	153,000		153,000		166,000
Loans	379,000		379,000		375,000
loans write off, current	0		0
loans write off, one year before	0		0
loans write off, two years before	0		0
loans write off, three years before	0		0
loans write off, four years before	0		0
loans write off, prior	0		0
loans write off, revolving	9,000		17,000
loans write off, total	9,000	7,000	17,000	15,000
Consumer Portfolio Segment [Member] | Pass [Member]
Financing Receivable, Year One	70,000		70,000		73,000
Financing Receivable, Year Two	64,000		64,000		62,000
Financing Receivable, Year Three	49,000		49,000		32,000
Financing Receivable, Year Four	25,000		25,000		1,000
Financing Receivable, Year Five	0		0		0
Financing Receivable, Prior	0		0		22,000
Financing Receivable, Revolving	153,000		153,000		166,000
Loans	361,000		361,000		356,000
Consumer Portfolio Segment [Member] | Substandard [Member]
Financing Receivable, Year One	0		0		0
Financing Receivable, Year Two	0		0		0
Financing Receivable, Year Three	0		0		0
Financing Receivable, Year Four	0		0		0
Financing Receivable, Year Five	0		0		0
Financing Receivable, Prior	18,000		18,000		19,000
Financing Receivable, Revolving	0		0
Loans	18,000		18,000		19,000
Residential Portfolio Segment [Member]
Financing Receivable, Year One	758,000		758,000		5,158,000
Financing Receivable, Year Two	5,070,000		5,070,000		4,640,000
Financing Receivable, Year Three	4,534,000		4,534,000		3,381,000
Financing Receivable, Year Four	3,030,000		3,030,000		1,915,000
Financing Receivable, Year Five	1,878,000		1,878,000		2,307,000
Financing Receivable, Prior	8,009,000		8,009,000		6,176,000
Financing Receivable, Revolving	7,497,000		7,497,000		8,284,000
Loans	30,776,000		30,776,000		31,861,000
loans write off, current	0		0
loans write off, one year before	0		0
loans write off, two years before	0		0
loans write off, three years before	0		0
loans write off, four years before	0		0
loans write off, prior	0		0
loans write off, revolving	0		0
loans write off, total	0	0	0	0
Residential Portfolio Segment [Member] | Pass [Member]
Financing Receivable, Year One	758,000		758,000		5,158,000
Financing Receivable, Year Two	5,070,000		5,070,000		4,640,000
Financing Receivable, Year Three	4,534,000		4,534,000		3,381,000
Financing Receivable, Year Four	3,030,000		3,030,000		1,915,000
Financing Receivable, Year Five	1,878,000		1,878,000		2,307,000
Financing Receivable, Prior	7,978,000		7,978,000		6,144,000
Financing Receivable, Revolving	7,497,000		7,497,000		8,284,000
Loans	30,745,000		30,745,000		31,829,000
Residential Portfolio Segment [Member] | Substandard [Member]
Financing Receivable, Year One	0		0		0
Financing Receivable, Year Two	0		0		0
Financing Receivable, Year Three	0		0		0
Financing Receivable, Year Four	0		0		0
Financing Receivable, Year Five	0		0		0
Financing Receivable, Prior	31,000		31,000		32,000
Financing Receivable, Revolving	0		0		0
Loans	31,000		31,000		32,000
Agriculture [Member]
Financing Receivable, Year One	383,000		383,000		3,716,000
Financing Receivable, Year Two	4,481,000		4,481,000		5,791,000
Financing Receivable, Year Three	4,687,000		4,687,000		3,994,000
Financing Receivable, Year Four	3,560,000		3,560,000		387,000
Financing Receivable, Year Five	385,000		385,000		464,000
Financing Receivable, Prior	7,645,000		7,645,000		6,699,000
Financing Receivable, Revolving	0		0		0
Loans	21,141,000		21,141,000		21,051,000
loans write off, current	0		0
loans write off, one year before	0		0
loans write off, two years before	0		0
loans write off, three years before	0		0
loans write off, four years before	0		0
loans write off, prior	0		0
loans write off, revolving	0		0
loans write off, total	0	$ 0	0	$ 0
Agriculture [Member] | Pass [Member]
Financing Receivable, Year One	383,000		383,000		3,716,000
Financing Receivable, Year Two	4,481,000		4,481,000		5,791,000
Financing Receivable, Year Three	4,687,000		4,687,000		3,994,000
Financing Receivable, Year Four	3,560,000		3,560,000		387,000
Financing Receivable, Year Five	385,000		385,000		464,000
Financing Receivable, Prior	7,645,000		7,645,000		6,699,000
Financing Receivable, Revolving	0		0		0
Loans	$ 21,141,000		$ 21,141,000		$ 21,051,000

Note 4 - Loans - Allowance for

Note 4 - Loans - Allowance for Loan Losses (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022	Jan. 01, 2023	Dec. 31, 2022
Beginning balance	$ 9,383,000	$ 10,762,000	$ 9,468,000	$ 10,738,000
Charge-offs	(9,000)	(7,000)	(29,000)	(15,000)
Recoveries	37,000	30,000	86,000	62,000
Reversal of provision for credit losses	0	0	(460,000)	0
Ending balance	9,411,000	10,785,000	9,411,000	10,785,000
Financing Receivable, Allowance for Credit Loss	9,411,000	10,785,000	9,411,000	10,785,000		$ 9,468,000
Financing Receivable, Allowance for Credit Loss	9,411,000	10,785,000	9,411,000	10,785,000		9,468,000
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process	950,488,000		950,488,000			915,758,000
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Beginning balance			9,468,000
Financing Receivable, Allowance for Credit Loss					$ 346,000	9,468,000
Financing Receivable, Allowance for Credit Loss					346,000	9,468,000
Commercial Real Estate Portfolio Segment [Member]
Beginning balance	8,470,000	9,539,000	8,373,000	9,404,000
Charge-offs	0	0	0	0
Recoveries	34,000	30,000	68,000	61,000
Reversal of provision for credit losses	59,000	(25,000)	(378,000)	79,000
Ending balance	8,563,000	9,544,000	8,563,000	9,544,000
Financing Receivable, Allowance for Credit Loss	8,563,000	9,544,000	8,563,000	9,544,000		8,373,000
Individually evaluated for impairment	0		0			0
Collectively evaluated for impairment	8,563,000		8,563,000			8,373,000
Financing Receivable, Allowance for Credit Loss	8,563,000	9,544,000	8,563,000	9,544,000		8,373,000
Individually evaluated for impairment	0		0			0
Collectively evaluated for impairment	826,614,000		826,614,000			779,965,000
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process	826,614,000		826,614,000			779,965,000
Commercial Real Estate Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Financing Receivable, Allowance for Credit Loss					500,000
Financing Receivable, Allowance for Credit Loss					500,000
Commercial Portfolio Segment [Member]
Beginning balance	677,000	701,000	612,000	711,000
Charge-offs	0	0	(12,000)	0
Recoveries		0	12,000	0
Reversal of provision for credit losses	(76,000)	(14,000)	(113,000)	(24,000)
Ending balance	601,000	687,000	601,000	687,000
Financing Receivable, Allowance for Credit Loss	601,000	687,000	601,000	687,000		612,000
Individually evaluated for impairment	0		0			0
Collectively evaluated for impairment	601,000		601,000			612,000
Financing Receivable, Allowance for Credit Loss	601,000	687,000	601,000	687,000		612,000
Individually evaluated for impairment	0		0			0
Collectively evaluated for impairment	71,578,000		71,578,000			82,506,000
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process	71,578,000		71,578,000			82,506,000
Commercial Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Financing Receivable, Allowance for Credit Loss					102,000
Financing Receivable, Allowance for Credit Loss					102,000
Consumer Portfolio Segment [Member]
Beginning balance	3,000	6,000	5,000	6,000
Charge-offs	(9,000)	(7,000)	(17,000)	(15,000)
Recoveries	2,000	0	5,000	1,000
Reversal of provision for credit losses	8,000	7,000	12,000	14,000
Ending balance	4,000	6,000	4,000	6,000
Financing Receivable, Allowance for Credit Loss	4,000	6,000	4,000	6,000		5,000
Individually evaluated for impairment	0		0			0
Collectively evaluated for impairment	4,000		4,000			5,000
Financing Receivable, Allowance for Credit Loss	4,000	6,000	4,000	6,000		5,000
Individually evaluated for impairment	0		0			0
Collectively evaluated for impairment	379,000		379,000			375,000
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process	379,000		379,000			375,000
Consumer Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Financing Receivable, Allowance for Credit Loss					(1,000)
Financing Receivable, Allowance for Credit Loss					(1,000)
Residential Portfolio Segment [Member]
Beginning balance	199,000	311,000	306,000	327,000
Charge-offs	0	0	0	0
Recoveries	1,000	0	1,000	0
Reversal of provision for credit losses	3,000	6,000	14,000	(10,000)
Ending balance	203,000	317,000	203,000	317,000
Financing Receivable, Allowance for Credit Loss	203,000	317,000	203,000	317,000		306,000
Individually evaluated for impairment	0		0			0
Collectively evaluated for impairment	203,000		203,000			306,000
Financing Receivable, Allowance for Credit Loss	203,000	317,000	203,000	317,000		306,000
Individually evaluated for impairment	0		0			0
Collectively evaluated for impairment	30,776,000		30,776,000			31,861,000
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process	30,776,000		30,776,000			31,861,000
Residential Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Financing Receivable, Allowance for Credit Loss					(118,000)
Financing Receivable, Allowance for Credit Loss					(118,000)
Agriculture [Member]
Beginning balance	34,000	205,000	172,000	290,000
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Reversal of provision for credit losses	6,000	26,000	5,000	(59,000)
Ending balance	40,000	231,000	40,000	231,000
Financing Receivable, Allowance for Credit Loss	40,000	231,000	40,000	231,000		172,000
Individually evaluated for impairment	0		0			0
Collectively evaluated for impairment	40,000		40,000			172,000
Financing Receivable, Allowance for Credit Loss	40,000	$ 231,000	40,000	$ 231,000		172,000
Individually evaluated for impairment	0		0			0
Collectively evaluated for impairment	21,141,000		21,141,000			21,051,000
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process	21,141,000		21,141,000			21,051,000
Agriculture [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Financing Receivable, Allowance for Credit Loss					(137,000)
Financing Receivable, Allowance for Credit Loss					$ (137,000)
Unallocated Financing Receivables [Member]
Beginning balance			9,468,000
Ending balance	9,411,000		9,411,000
Financing Receivable, Allowance for Credit Loss	9,411,000		9,411,000			9,468,000
Individually evaluated for impairment	0		0			0
Collectively evaluated for impairment	9,411,000		9,411,000			9,468,000
Financing Receivable, Allowance for Credit Loss	9,411,000		9,411,000			9,468,000
Individually evaluated for impairment	0		0			0
Collectively evaluated for impairment	950,488,000		950,488,000			915,758,000
Financing Receivable, before Allowance for Credit Loss, Fee and Loan in Process	$ 950,488,000		$ 950,488,000			$ 915,758,000

Note 4 - Loans - Changes in the

Note 4 - Loans - Changes in the Allowance, Off-balance-sheet Commitments (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Balance, beginning of period	$ 741	$ 463	$ 546	$ 469
(Reversal of) Provision to Operations for Off Balance Sheet Commitments	(70)	12	(422)	6
Balance, end of period	671	475	671	475
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member]
Balance, beginning of period	$ 0	$ 0	$ 547	$ 0

Note 5 - Financial Instrument_3

Note 5 - Financial Instruments and Fair Value Measurements - Fair Value of Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Fair Value, Inputs, Level 1 [Member] | Reported Value Measurement [Member]
Cash and cash equivalents	$ 300,546	$ 429,633
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	300,546	429,633
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member]
Restricted equity securities	5,956	5,236
Interest receivable	7,915	8,438
Interest payable	(24)	(22)
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member]
Restricted equity securities	5,956	5,236
Interest receivable	7,915	8,438
Interest payable	(24)	(22)
Fair Value, Inputs, Level 3 [Member] | Reported Value Measurement [Member]
Loans, net	939,708	905,035
Deposits	(1,682,378)	(1,814,297)
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member]
Loans, net	878,458	853,224
Deposits	(1,681,250)	(1,813,136)
Commitments and standby letters of credit	$ (2,053)	$ (2,124)

Note 5 - Financial Instrument_4

Note 5 - Financial Instruments and Fair Value Measurements - Assets and Liabilities Measured at Fair Value on Recurring and Non Recurring Basis (Details) - USD ($)	Jun. 30, 2023	Dec. 31, 2022
Available-for-sale securities, fair market value	$ 515,851,000	$ 527,438,000
Equity Securities	3,042,000	2,990,000
US Government Agencies Debt Securities [Member]
Available-for-sale securities, fair market value	82,476,000	88,721,000
US Government Agencies Debt Securities [Member] | Fair Value, Recurring [Member]
Available-for-sale securities, fair market value	82,475,000	88,721,000
US Government Agencies Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale securities, fair market value	0	0
US Government Agencies Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale securities, fair market value	82,475,000	88,721,000
US Government Agencies Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale securities, fair market value	0	0
Collateralized Mortgage Obligations [Member]
Available-for-sale securities, fair market value	8,975,000	4,611,000
Collateralized Mortgage Obligations [Member] | Fair Value, Recurring [Member]
Available-for-sale securities, fair market value	8,975,000	4,611,000
Collateralized Mortgage Obligations [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale securities, fair market value	0	0
Collateralized Mortgage Obligations [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale securities, fair market value	8,975,000	4,611,000
Collateralized Mortgage Obligations [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale securities, fair market value	0	0
US States and Political Subdivisions Debt Securities [Member]
Available-for-sale securities, fair market value	323,558,000	331,581,000
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Recurring [Member]
Available-for-sale securities, fair market value	323,558,000	331,581,000
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale securities, fair market value	0	0
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale securities, fair market value	323,558,000	331,581,000
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale securities, fair market value	0	0
SBA Pool [Member]
Available-for-sale securities, fair market value	1,897,000	2,362,000
SBA Pool [Member] | Fair Value, Recurring [Member]
Available-for-sale securities, fair market value	1,897,000	2,362,000
SBA Pool [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale securities, fair market value	0	0
SBA Pool [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale securities, fair market value	1,897,000	2,362,000
SBA Pool [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale securities, fair market value	0	0
Corporate Debt Securities [Member]
Available-for-sale securities, fair market value	42,707,000	42,060,000
Corporate Debt Securities [Member] | Fair Value, Recurring [Member]
Available-for-sale securities, fair market value	42,707,000	42,060,000
Corporate Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale securities, fair market value	0	0
Corporate Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale securities, fair market value	42,707,000	42,060,000
Corporate Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale securities, fair market value	0	0
Asset-Backed Securities [Member]
Available-for-sale securities, fair market value	56,238,000	58,103,000
Asset-Backed Securities [Member] | Fair Value, Recurring [Member]
Available-for-sale securities, fair market value	56,238,000	58,103,000
Asset-Backed Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Available-for-sale securities, fair market value	0	0
Asset-Backed Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Available-for-sale securities, fair market value	56,238,000	58,103,000
Asset-Backed Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Available-for-sale securities, fair market value	0	0
Mutual Fund [Member] | Fair Value, Recurring [Member]
Equity Securities	3,042,000	2,990,000
Mutual Fund [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Equity Securities	3,042,000	2,990,000
Mutual Fund [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Equity Securities	0	0
Mutual Fund [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Equity Securities	$ 0	$ 0

Note 6 - Earnings Per Share (De

Note 6 - Earnings Per Share (Details Textual)	6 Months Ended
	Jun. 30, 2023
Number Of Forms Of Outstanding Common Stock	2

Note 6 - Earnings Per Share - E

Note 6 - Earnings Per Share - Earnings Per Share (Details) - USD ($) $ / shares in Units, shares in Thousands, $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2023	Jun. 30, 2022	Jun. 30, 2023	Jun. 30, 2022
Net income	$ 8,404	$ 4,258	$ 17,629	$ 6,627
Weighted average shares outstanding (in shares)	8,195	8,170	8,189	8,164
Net income per common share (in dollars per share)	$ 1.03	$ 0.52	$ 2.15	$ 0.81
Effect of dilutive non-vested restricted shares (in shares)	32	31	38	35
Weighted average shares of common stock and common stock equivalents (in shares)	8,227	8,201	8,227	8,199
Net income per diluted common share (in dollars per share)	$ 1.02	$ 0.52	$ 2.14	$ 0.81

Note 7 - Risks and Uncertaint_2

Note 7 - Risks and Uncertainties (Details Textual) - USD ($) $ in Thousands	Jun. 30, 2023	Dec. 31, 2022
Cash and Cash Equivalents, at Carrying Value	$ 300,546	$ 429,633