National Bankshares (NKSH) 10-Q 10 Aug 22 2022 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2022	Aug. 10, 2022
Document Information [Line Items]
Entity Central Index Key	0000796534
Entity Registrant Name	NATIONAL BANKSHARES INC
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q2
Document Fiscal Year Focus	2022
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2022
Document Transition Report	false
Entity File Number	0-15204
Entity Incorporation, State or Country Code	VA
Entity Tax Identification Number	54-1375874
Entity Address, Address Line One	101 Hubbard Street
Entity Address, City or Town	Blacksburg
Entity Address, State or Province	VA
Entity Address, Postal Zip Code	24062-9002
City Area Code	540
Local Phone Number	951-6300
Title of 12(b) Security	Common Stock, par value $1.25 per share
Trading Symbol	NKSH
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		5,980,775

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Assets
Cash and due from banks	$ 11,798	$ 8,768
Interest-bearing deposits	95,812	130,021
Securities available for sale	682,251	686,080
Restricted stock, at cost	941	845
Mortgage loans held for sale	488	615
Loans:
Loans, net of unearned income and deferred fees and costs	848,814	803,248
Less allowance for loan losses	(8,069)	(7,674)
Loans, net	840,745	795,574
Premises and equipment, net	9,773	9,722
Accrued interest receivable	5,506	5,104
Other real estate owned, net	957	957
Goodwill	5,848	5,848
Bank-owned life insurance	42,833	42,354
Other assets	32,636	16,287
Total assets	1,729,588	1,702,175
Liabilities and Stockholders' Equity
Noninterest-bearing demand deposits	334,576	317,430
Interest-bearing demand deposits	943,574	890,124
Savings deposits	218,716	208,065
Time deposits	80,965	78,968
Total deposits	1,577,831	1,494,587
Accrued interest payable	46	48
Other liabilities	15,471	15,789
Total liabilities	1,593,348	1,510,424
Commitments and contingencies
Stockholders' Equity
Preferred stock, no par value, 5,000,000 shares authorized; none issued and outstanding	0	0
Common stock of $1.25 par value. Authorized 10,000,000 shares; issued and outstanding 5,980,775 at June 30, 2022 and 6,063,937 shares at December 31, 2021	7,476	7,580
Retained earnings	191,541	188,229
Accumulated other comprehensive loss, net	(62,777)	(4,058)
Total stockholders' equity	136,240	191,751
Total liabilities and stockholders' equity	$ 1,729,588	$ 1,702,175

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - $ / shares	Jun. 30, 2022	Dec. 31, 2021
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	5,000,000	5,000,000
Preferred stock, shares issued (in shares)	0	0
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 1.25	$ 1.25
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares issued (in shares)	5,980,775	6,063,937
Common stock, shares outstanding (in shares)	5,980,775	6,063,937

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Interest Income
Interest and fees on loans	$ 8,324	$ 8,466	$ 16,424	$ 17,016
Interest on interest-bearing deposits	202	39	251	67
Interest on securities – taxable	2,949	1,910	5,422	3,693
Interest on securities – nontaxable	447	482	875	1,003
Total interest income	11,922	10,897	22,972	21,779
Interest Expense
Interest on deposits	647	834	1,302	1,689
Net interest income	11,275	10,063	21,670	20,090
Provision for loan losses	310	4	444	54
Net interest income after provision for loan losses	10,965	10,059	21,226	20,036
Noninterest Income:
Noninterest Income	1,769	1,568	3,476	3,326
BOLI income	241	210	479	416
Gain on sale of mortgage loans	35	74	96	211
Other income	208	230	700	857
Total noninterest income	2,112	1,941	4,403	4,275
Realized securities gain, net			0	5
Noninterest Expense
Salaries and employee benefits	4,011	3,952	7,989	7,858
Occupancy, furniture and fixtures	464	443	956	931
Data processing and ATM	793	786	1,580	1,564
FDIC assessment	111	93	222	176
Net costs of other real estate owned	0	1	10	38
Franchise taxes	371	357	733	692
Other operating expenses	561	815	1,434	1,724
Total noninterest expense	6,311	6,447	12,924	12,983
Income before income taxes	6,766	5,553	12,705	11,328
Income tax expense	1,192	940	2,245	1,949
Net Income	$ 5,574	$ 4,613	$ 10,460	$ 9,379
Basic and fully diluted net income per common share (in dollars per share)	$ 0.93	$ 0.74	$ 1.74	$ 1.49
Weighted average number of common shares outstanding, basic and diluted (in shares)	6,004,425	6,214,079	6,025,709	6,310,347
Dividends declared per common share (in dollars per share)	$ 0.72	$ 0.70	$ 0.72	$ 0.70
Deposit Account [Member]
Noninterest Income:
Noninterest Income	$ 603	$ 471	$ 1,165	$ 940
Product and Service, Other [Member]
Noninterest Income:
Noninterest Income	51	43	106	84
Credit and Debit Card [Member]
Noninterest Income:
Noninterest Income	535	479	975	913
Fiduciary and Trust [Member]
Noninterest Income:
Noninterest Income	$ 439	$ 434	$ 882	$ 849

Consolidated Statements of Comp

Consolidated Statements of Comprehensive (Loss) Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Net Income	$ 5,574	$ 4,613	$ 10,460	$ 9,379
Other Comprehensive (Loss) Income, Net of Tax
Unrealized holding (loss) gain on available for sale securities net of tax of ($6,617) and $1,922 for the periods ended June 30, 2022 and June 30, 2021, respectively	(24,893)	7,235	(58,719)	(5,074)
Other comprehensive (loss) income, net of tax	(24,893)	7,235	(58,719)	(5,078)
Total Comprehensive (Loss) Income	(19,319)	11,848	(48,259)	4,301
Net Income	$ 5,574	$ 4,613	10,460	9,379
Reclassification adjustment for gain included in net income, net of tax of ($1), for the period ended June 30, 2021, respectively			$ 0	$ (4)

Consolidated Statements of Co_2

Consolidated Statements of Comprehensive (Loss) Income (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Unrealized holding gain (loss) on available for sale securities, tax	$ (6,617)	$ 1,922	$ (15,609)	$ (1,349)
Reclassification adjustment for gain included in net income, tax				$ (1)

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balances at Dec. 31, 2020	$ 8,040	$ 189,547	$ 3,020	$ 200,607
Net income	0	9,379	0	9,379
Common stock repurchased	(327)	(9,027)	0	(9,354)
Cash dividend	0	(4,319)	0	(4,319)
Other comprehensive income, net of tax	0	0	(5,078)	(5,078)
Other comprehensive loss, net of tax	0	0	(5,078)	(5,078)
Balances at Jun. 30, 2021	7,713	185,580	(2,058)	191,235
Balances at Mar. 31, 2021	7,900	190,462	(9,293)	189,069
Net income	0	4,613	0	4,613
Common stock repurchased	(187)	(5,176)	0	(5,363)
Cash dividend	0	(4,319)	0	(4,319)
Other comprehensive income, net of tax	0	0	7,235	7,235
Other comprehensive loss, net of tax	0	0	7,235	7,235
Balances at Jun. 30, 2021	7,713	185,580	(2,058)	191,235
Balances at Dec. 31, 2021	7,580	188,229	(4,058)	191,751
Net income	0	10,460	0	10,460
Common stock repurchased	(104)	(2,824)	0	(2,928)
Cash dividend	0	(4,324)	0	(4,324)
Other comprehensive income, net of tax	0	0	(58,719)	(58,719)
Other comprehensive loss, net of tax	0	0	(58,719)	(58,719)
Balances at Jun. 30, 2022	7,476	191,541	(62,777)	136,240
Balances at Mar. 31, 2022	7,528	191,645	(37,884)	161,289
Net income	0	5,574	0	5,574
Common stock repurchased	(52)	(1,354)	0	(1,406)
Cash dividend	0	(4,324)	0	(4,324)
Other comprehensive income, net of tax	0	0	(24,893)	(24,893)
Other comprehensive loss, net of tax	0	0	(24,893)	(24,893)
Balances at Jun. 30, 2022	$ 7,476	$ 191,541	$ (62,777)	$ 136,240

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Stock repurchase, shares (in shares)	41,977	150,130	83,162	261,962
Dividends, per share (in dollars per share)	$ 0.72	$ 0.70	$ 0.72	$ 0.70
Other comprehensive income (loss), tax	$ (6,617)	$ 1,922	$ (15,609)	$ (1,350)

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Cash Flows from Operating Activities
Net income	$ 5,574	$ 4,613	$ 10,460	$ 9,379
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	310	4	444	54	$ (398)
Depreciation of bank premises and equipment			298	325
Amortization of premiums and accretion of discounts, net			660	846
Gain on sales and calls of securities available for sale, net			0	(5)
Losses and write-downs on other real estate owned, net			0	26
Increase in cash value of bank-owned life insurance			(479)	(416)
Origination of mortgage loans held for sale			(4,342)	(9,553)
Proceeds from sale of mortgage loans held for sale			4,565	10,408
Gain on sale of mortgage loans held for sale	(35)	(74)	(96)	(211)
Net change in:
Accrued interest receivable			(402)	(247)
Other assets			(741)	384
Accrued interest payable			(2)	(8)
Other liabilities			(317)	227
Net cash provided by operating activities			10,048	11,209
Cash Flows from Investing Activities
Net change in interest-bearing deposits			34,209	(29,983)
Proceeds from calls, principal payments, sales and maturities of securities available for sale			24,182	29,308
Purchase of securities available for sale			(95,341)	(107,591)
Net change in restricted stock			(96)	434
Purchase of loan participations			(10,801)	(9,446)
Collection of loan participations			4,437	3,668
Loan originations and principal collections, net			(39,337)	(31,264)
Proceeds from sale of other real estate owned			0	570
Proceeds from sale of repossessed assets			0	11
Recoveries on loans charged off			86	128
Purchase of bank-owned life insurance			0	(5,000)
Proceeds from sale and purchases of premises and equipment, net			(349)	(186)
Net cash used in investing activities			(83,010)	(149,351)
Cash Flows from Financing Activities
Net change in time deposits			1,997	(1,250)
Net change in other deposits			81,247	153,731
Common stock repurchased			(2,928)	(9,354)
Cash dividends paid			(4,324)	(4,319)
Net cash provided by financing activities			75,992	138,808
Net change in cash and due from banks			3,030	666
Cash and due from banks at beginning of period			8,768	13,147	13,147
Cash and due from banks at end of period	11,798	13,813	11,798	13,813	$ 8,768
Supplemental Disclosures of Cash Flow Information
Interest paid on deposits			1,304	1,697
Income taxes paid			2,184	1,310
Supplemental Disclosure of Noncash Activities
Loans charged against the allowance for loan losses			135	586
Loans transferred to OREO			0	50
Loans transferred to repossessed assets			0	11
Unrealized holding loss on securities available for sale			(74,328)	(6,428)
Lease liabilities arising from obtaining right-of-use assets	$ 0	$ 0	$ 25	$ 0

Note 1 - General

Note 1 - General	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	Note 1: The consolidated financial statements of National Bankshares, Inc. (“NBI”) and its wholly-owned subsidiaries, The National Bank of Blacksburg (the “Bank” or “NBB”) and National Bankshares Financial Services, Inc. (“NBFS”) (collectively, the “Company”), conform to accounting principles generally accepted in the United States of America (“U.S. GAAP”) and to general practices within the banking industry. The accompanying interim period consolidated financial statements are unaudited; however, in the opinion of management, all adjustments consisting of normal recurring adjustments, which are necessary for a fair presentation of the consolidated financial statements, have been included. The results of operations for the three six June 30, 2022 not 10 2021 10 1934 www.nationalbankshares.com Risks and Uncertainties Since the beginning of 2020, 19 Recent Accounting Pronouncements In June 2016, No. 2016 13, 326 2016 13 326, 2019 04, 2019 05, 2019 10, 2019 11, 2020 02, 2020 03. not December 15, 2022. 2016 13 Effective November 25, 2019, 119. 119 326, 1 2 3 4 In June 2022, 2022 03, 820 2022 03 not not December 15, 2023. not 2022 03 In March 2022, No. 2022 02, 326 2022 02 2016 13 2016 13, 2022 02 December 15, 2022, not 2016 13, 2022 02 2016 13. 2016 13. may 2022 02

Note 2 - Loan Portfolio

Note 2 - Loan Portfolio	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Share-Based Payment Arrangement [Text Block]	Note 2: The loan portfolio, excluding mortgage loans held for sale, was comprised of the following. June 30, 2022 December 31, 2021 Real estate construction $ 69,724 $ 48,841 Consumer real estate 217,143 208,977 Commercial real estate 425,388 405,722 Commercial non real estate 52,338 60,264 Public sector and IDA 49,856 47,899 Consumer non real estate 34,825 32,026 Gross loans 849,274 803,729 Less unearned income and deferred fees and costs (460 ) (481 ) Loans, net of unearned income and deferred fees and costs $ 848,814 $ 803,248

Note 3 - Allowance for Loan Los

Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Allowance for Credit Losses [Text Block]	Note 3: The allowance for loan losses methodology incorporates individual evaluation of impaired loans and collective evaluation of groups of non-impaired loans. The Company performs ongoing analysis of the loan portfolio to determine credit quality on an individual loan basis and to identify impaired loans. Please refer to the Company’s 2021 10 1: Collectively-Evaluated Loans The loan portfolio is comprised of major segments and smaller classes within each segment. Segments and classes are determined based on characteristics such as collateral type and intended use, repayment sources, and (if applicable) the borrower’s business model. The methodology for calculating reserves for collectively evaluated loans is applied at the class level. The Company’s segments and classes within each segment are presented below: Portfolio Segments and Classes The segments and classes used in determining the allowance for loan losses are as follows. Real Estate Construction Construction, residential Construction, other Consumer Real Estate Equity lines Residential closed-end first Residential closed-end junior liens Investor-owned residential real estate Commercial Real Estate Multifamily real estate Commercial real estate, owner-occupied Commercial real estate, other Commercial Non Real Estate Commercial and industrial Public Sector and IDA Public sector and IDA Consumer Non Real Estate Credit cards Automobile Other consumer loans Collectively-evaluated loans within each class are further stratified by risk rating: pass-rated loans, loans rated special mention, and loans rated classified. Credit risk for collectively-evaluated loans is estimated at the class level, by risk rating, by applying historical net charge-off rates and percentages for qualitative factors that influence credit risk. Please refer to the Company’s 2021 10 1: A detailed analysis showing the allowance roll-forward by portfolio segment and related loan balance by segment follows. Activity in the Allowance for Loan Losses for the Six Months Ended June 30, 2022 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Balance, December 31, 2021 $ 422 $ 1,930 $ 3,121 $ 1,099 $ 297 $ 444 $ 361 $ 7,674 Charge-offs - - - (2 ) - (133 ) - (135 ) Recoveries - - 24 6 - 56 - 86 Provision for (recovery of) loan losses 285 189 325 (307 ) 39 95 (182 ) 444 Balance, June 30, 2022 $ 707 $ 2,119 $ 3,470 $ 796 $ 336 $ 462 $ 179 $ 8,069 Activity in the Allowance for Loan Losses for the Six Months Ended June 30, 2021 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Balance, December 31, 2020 $ 503 $ 2,165 $ 3,853 $ 670 $ 339 $ 555 $ 396 $ 8,481 Charge-offs - (13 ) - (485 ) - (88 ) - (586 ) Recoveries - - 25 27 - 76 - 128 Provision for (recovery of) loan losses (18 ) (144 ) (427 ) 655 37 (26 ) (23 ) 54 Balance, June 30, 2021 $ 485 $ 2,008 $ 3,451 $ 867 $ 376 $ 517 $ 373 $ 8,077 Activity in the Allowance for Loan Losses for the Year Ended December 31, 2021 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Balance, December 31, 2020 $ 503 $ 2,165 $ 3,853 $ 670 $ 339 $ 555 $ 396 $ 8,481 Charge-offs - (13 ) - (526 ) - (216 ) - (755 ) Recoveries - 20 159 33 - 134 - 346 Provision for (recovery of) loan losses (81 ) (242 ) (891 ) 922 (42 ) (29 ) (35 ) (398 ) Balance, December 31, 2021 $ 422 $ 1,930 $ 3,121 $ 1,099 $ 297 $ 444 $ 361 $ 7,674 Allowance for Loan Losses as of June 30, 2022 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 707 2,119 3,470 796 336 462 179 8,069 Total $ 707 $ 2,119 $ 3,470 $ 796 $ 336 $ 462 $ 179 $ 8,069 Allowance for Loan Losses as of December 31, 2021 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non-Real Estate Public Sector and IDA Consumer Non- Real Estate Unallocated Total Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 422 1,930 3,121 1,099 297 444 361 7,674 Total $ 422 $ 1,930 $ 3,121 $ 1,099 $ 297 $ 444 $ 361 $ 7,674 Loans as of June 30, 2022 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Total Individually evaluated for impairment $ - $ 188 $ 5,342 $ 279 $ - $ - $ 5,809 Collectively evaluated for impairment 69,724 216,955 420,046 52,059 49,856 34,825 843,465 Total $ 69,724 $ 217,143 $ 425,388 $ 52,338 $ 49,856 $ 34,825 $ 849,274 Loans as of December 31, 2021 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non-Real Estate Public Sector and IDA Consumer Non- Real Estate Total Individually evaluated for impairment $ - $ 191 $ 5,386 $ 301 $ - $ - $ 5,878 Collectively evaluated for impairment 48,841 208,786 400,336 59,963 47,899 32,026 797,851 Total $ 48,841 $ 208,977 $ 405,722 $ 60,264 $ 47,899 $ 32,026 $ 803,729 A summary of ratios for the allowance for loan losses follows. As of and for the Six Months Ended June 30, Year Ended December 31, 2022 2021 2021 Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs (1) 0.95 % 1.00 % 0.96 % Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs (1) 0.01 % 0.12 % 0.05 % ( 1 Net charge-offs are on an annualized basis. A summary of nonperforming assets follows. June 30, December 31, 2022 2021 2021 Nonperforming assets: Nonaccrual loans $ 168 $ 713 $ - Restructured loans in nonaccrual 2,811 3,109 2,873 Total nonperforming loans 2,979 3,822 2,873 Other real estate owned, net 957 1,007 957 Total nonperforming assets $ 3,936 $ 4,829 $ 3,830 Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned 0.46 % 0.60 % 0.48 % Ratio of allowance for loan losses to nonperforming loans (1) 270.86 % 211.33 % 267.11 % ( 1 The Company defines nonperforming loans as nonaccrual loans and restructured loans that are nonaccrual. Loans 90 days past due and still accruing and accruing restructured loans are excluded. A summary of loans past due 90 June 30, December 31, 2022 2021 2021 Loans past due 90 days or more and still accruing $ 7 $ 28 $ 90 Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs 0.00 % 0.00 % 0.01 % Accruing restructured loans $ 2,998 $ 3,011 $ 3,005 Impaired loans: Impaired loans with no valuation allowance $ 5,809 $ 6,774 $ 5,878 Impaired loans with a valuation allowance - - - Total impaired loans $ 5,809 $ 6,774 $ 5,878 Valuation allowance - - - Impaired loans, net of allowance $ 5,809 $ 6,774 $ 5,878 Average recorded investment in impaired loans (1) $ 5,820 $ 6,796 $ 5,901 Interest income recognized on impaired loans, after designation as impaired $ 43 $ 105 $ 137 Amount of income recognized on a cash basis $ - $ - $ - ( 1 Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. No interest income was recognized on nonaccrual loans for the six June 30, 2022 June 30, 2021 December 31, 2021. A detailed analysis of investment in impaired loans and associated reserves, segregated by loan class follows. Only classes with impaired loans are presented. Impaired Loans as of June 30, 2022 Principal Balance Total Recorded Investment (1) Recorded Investment (1) for Which There is No Related Allowance Recorded Investment (1) for Which There is a Related Allowance Related Allowance Consumer Real Estate Investor-owned residential real estate $ 188 $ 188 $ 188 $ - $ - Commercial Real Estate Commercial real estate, owner-occupied 3,252 2,624 2,624 - - Commercial real estate, other 2,718 2,718 2,718 - - Commercial Non Real Estate Commercial and industrial 295 279 279 - - Total $ 6,453 $ 5,809 $ 5,809 $ - $ - Impaired Loans as of December 31, 2021 Principal Balance Total Recorded Investment (1) Recorded Investment (1) for Which There is No Related Allowance Recorded Investment (1) for Which There is a Related Allowance Related Allowance Consumer Real Estate Investor-owned residential real estate $ 191 $ 191 $ 191 $ - $ - Commercial Real Estate Commercial real estate, owner occupied 3,256 2,665 2,665 - - Commercial real estate, other 2,721 2,721 2,721 - - Commercial Non-Real Estate Commercial and industrial 310 301 301 - - Total $ 6,478 $ 5,878 $ 5,878 $ - $ - ( 1 Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. The following tables show the average recorded investment and interest income recognized for impaired loans. Only classes with impaired loans are presented. For the Six Months Ended June 30, 2022 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate Investor-owned residential real estate $ 189 $ 6 Commercial Real Estate Commercial real estate, owner occupied 2,626 3 Commercial real estate, other 2,719 34 Commercial Non Real Estate Commercial and industrial 286 - Total $ 5,820 $ 43 ( 1 Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. For the Six Months Ended June 30, 2021 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate Investor-owned residential real estate $ 193 $ 6 Commercial Real Estate Commercial real estate, owner occupied 2,890 7 Commercial real estate, other 3,378 84 Commercial Non Real Estate Commercial and industrial 334 8 Consumer Non Real Estate Automobile 1 - Total $ 6,796 $ 105 ( 1 Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. For the Year Ended December 31, 2021 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate Investor-owned residential real estate $ 192 $ 13 Commercial Real Estate Commercial real estate, owner occupied 2,668 9 Commercial real estate, other 2,723 100 Commercial Non-Real Estate Commercial and industrial 317 15 Consumer Non-Real Estate Automobile 1 - Total $ 5,901 $ 137 ( 1 Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status. An analysis of past due and nonaccrual loans, including impaired and collectively-evaluated loans, June 30, 2022 30 89 Days Past Due and Accruing 90 or More Days Past Due (1) 90 or More Days Past Due and Accruing Nonaccruals Consumer Real Estate Residential closed-end first liens $ 641 $ 137 $ - $ 137 Equity lines - 29 - 29 Commercial Real Estate Commercial real estate, owner-occupied 19 258 - 2,532 Commercial Non Real Estate Commercial and industrial 37 - - 279 Consumer Non Real Estate Automobile 35 - - - Credit cards 2 Other consumer loans 136 7 7 2 Total $ 870 $ 431 $ 7 $ 2,979 December 31, 2021 30 89 Days Past Due and Accruing 90 or More Days Past Due (1) 90 or More Days Past Due and Accruing Nonaccruals Real Estate Construction Construction, other $ 14 $ - $ - $ - Consumer Real Estate Equity lines 50 29 29 - Residential closed-end first liens 715 58 58 - Commercial Real Estate Commercial real estate, owner occupied 12 266 - 2,572 Commercial Non-Real Estate Commercial and industrial 13 - - 301 Consumer Non-Real Estate Credit cards 2 2 2 - Automobile 93 - - - Other consumer loans 88 1 1 - Total $ 987 $ 356 $ 90 $ 2,873 ( 1 90 The following displays collectively-evaluated loans by credit quality indicator. Impaired loans are not June 30, 2022 Pass Special Mention Classified Real Estate Construction Construction, 1-4 family residential $ 17,791 $ - $ - Construction, other 51,621 312 - Consumer Real Estate Equity lines 14,165 - 29 Residential closed-end first liens 115,558 - 377 Residential closed-end junior liens 2,189 - - Investor-owned residential real estate 84,043 - 594 Commercial Real Estate Multifamily residential real estate 113,938 - - Commercial real estate owner-occupied 131,560 - - Commercial real estate, other 174,548 - - Commercial Non Real Estate Commercial and industrial 52,045 - 14 Public Sector and IDA States and political subdivisions 49,856 - - Consumer Non Real Estate Credit cards 4,644 - - Automobile 10,411 - - Other consumer 19,762 - 8 Total $ 842,131 $ 312 $ 1,022 December 31, 2021 Pass Special Mention Classified Real Estate Construction Construction, 1-4 family residential $ 10,008 $ - $ - Construction, other 38,833 - - Consumer Real Estate Equity lines 13,588 - 29 Residential closed-end first liens 106,107 - 275 Residential closed-end junior liens 2,715 - - Investor-owned residential real estate 85,460 - 612 Commercial Real Estate Multifamily residential real estate 106,644 - - Commercial real estate owner-occupied 125,605 - 35 Commercial real estate, other 164,324 3,728 - Commercial Non-Real Estate Commercial and industrial 59,953 - 10 Public Sector and IDA States and political subdivisions 47,899 - - Consumer Non-Real Estate Credit cards 4,531 - - Automobile 10,990 - 3 Other consumer 16,402 - 100 Total $ 793,059 $ 3,728 $ 1,064 Determination of risk ratings was completed for the portfolio as of June 30, 2022 December 31, 2021. Troubled Debt Restructurings Total TDRs amounted to $5,809 at June 30, 2022, December 31, 2021, June 30, 2021. no TDRs Designated During the Reporting Period The Company did not three six June 30, 2022. three June 30, 2021 two No June 30, 2021 not The following table presents restructurings by class that occurred during the three June 30, 2021. Restructurings That Occurred During the Three Months Ended June 30, 2021 Number of Contracts Pre-Modification Outstanding Principal Balance Post-Modification Outstanding Principal Balance Commercial Real Estate Commercial real estate, other 2 $ 2,724 $ 2,724 Total 2 $ 2,724 $ 2,724 During the six June 30, 2021 three No three June 30, 2021 not The following table presents restructurings by class that occurred during the six June 30, 2021. Restructurings That Occurred During the Six Months Ended June 30, 2021 Number of Contracts Pre-Modification Outstanding Principal Balance Post-Modification Outstanding Principal Balance Commercial Real Estate Commercial real estate owner-occupied 1 $ 102 $ 102 Commercial real estate, other 2 2,724 2,724 Total 3 $ 2,826 $ 2,826 Defaulted TDRs The Company analyzed its TDR portfolio for loans that defaulted during the three six June 30, 2022 June 30, 2021, 12 three one 90 Of the Company’s TDRs at June 30, 2022 June 30, 2021, none 12 June 30, 2022 June 30, 2021.

Note 4 - Securities

Note 4 - Securities	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 4: The amortized costs, gross unrealized gains, gross unrealized losses and fair values for securities available for sale by major security type are as follows. June 30, 2022 Amortized Costs Gross Unrealized Gains Gross Unrealized Losses Fair Values Available for Sale: U.S. Treasuries $ 990 $ - $ 35 $ 955 U.S. Government agencies and corporations 369,410 152 35,141 334,421 States and political subdivisions 193,019 103 29,341 163,781 Mortgage-backed securities 183,047 27 5,894 177,180 Corporate debt securities 6,500 - 586 5,914 Total securities available for sale $ 752,966 $ 282 $ 70,997 $ 682,251 December 31, 2021 Amortized Costs Gross Unrealized Gains Gross Unrealized Losses Fair Values Available for Sale: U.S. Government agencies and corporations $ 279,934 $ 2,795 $ 4,710 $ 278,019 States and political subdivisions 195,365 5,314 2,007 198,672 Mortgage-backed securities 204,164 2,323 313 206,174 Corporate debt securities 3,004 248 37 3,215 Total securities available for sale $ 682,467 $ 10,680 $ 7,067 $ 686,080 The amortized cost and fair value of single maturity securities available for sale at June 30, 2022, may may June 30, 2022 Amortized Cost Fair Value Available for Sale: Due in one year or less $ 3,768 $ 3,745 Due after one year through five years 104,168 100,560 Due after five years through ten years 328,929 298,257 Due after ten years 316,101 279,689 Total securities available for sale $ 752,966 $ 682,251 Information pertaining to securities with gross unrealized losses aggregated by investment category and length of time that individual securities have been in a continuous loss position, follows. June 30, 2022 Less Than 12 Months 12 Months or More Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. Treasuries $ 955 $ 35 $ - $ - U.S. Government agencies and corporations 262,561 22,913 64,695 12,228 States and political subdivisions 120,556 20,031 32,812 9,310 Mortgage-backed securities 164,176 5,302 9,442 592 Corporate debt securities 5,914 586 - - Total temporarily impaired securities $ 554,162 $ 48,867 $ 106,949 $ 22,130 December 31, 2021 Less Than 12 Months 12 Months or More Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. Government agencies and corporations $ 201,650 $ 3,530 $ 26,792 $ 1,180 States and political subdivisions 50,659 1,214 20,542 793 Mortgage-backed securities 13,139 141 4,665 172 Corporate debt securities 966 37 - - Total temporarily impaired securities $ 266,414 $ 4,922 $ 51,999 $ 2,145 The Company has 579 securities with a fair value of $661,111 that are temporarily impaired at June 30, 2022. twelve June 30, 2022 U.S. Government agencies and corporations: not not not may not States and political subdivisions: 12 not not not not may not Mortgage-backed securities: four not not not may not Management regularly monitors the credit quality of the investment portfolio. Changes in ratings are noted and follow-up research on the issuer is undertaken when warranted. Management intends to carefully monitor any changes in bond quality. Restricted Stock. The Company held restricted stock of $941 as of June 30, 2022 December 31, 2021. not Redemption of FHLB stock is subject to certain limitations and conditions. At its discretion, the FHLB may $630,515 June 30, 2022. June 30, 2022, not

Note 5 - Defined Benefit Plan

Note 5 - Defined Benefit Plan	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Retirement Benefits [Text Block]	Note 5: Components of Net Periodic Benefit Cost: Pension Benefits Three Months Ended June 30, 2022 2021 Service cost $ 324 $ 361 Interest cost 204 184 Expected return on plan assets (629 ) (555 ) Amortization of prior service cost - (3 ) Recognized net actuarial loss 110 208 Net periodic benefit cost $ 9 $ 195 Pension Benefits Six Months Ended June 30, 2022 2021 Service cost $ 648 $ 722 Interest cost 408 368 Expected return on plan assets (1,258 ) (1,110 ) Amortization of prior service cost - (6 ) Recognized net actuarial loss 220 416 Net periodic benefit cost $ 18 $ 390 The service cost component of net periodic benefit cost is included in salaries and employee benefits expense in the consolidated statements of income. All other components are included in other noninterest expense in the consolidated statements of income. For the six June 30, 2022, not

Note 6 - Fair Value Measurement

Note 6 - Fair Value Measurements	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 6: Fair value is defined as the exchange price that would be received for an asset or paid to transfer a liability (an exit price) in the principal or most advantageous market for the asset or liability in an orderly transaction between market participants on the measurement date. GAAP requires that valuation techniques maximize the use of the observable inputs and minimize the use of the unobservable inputs. GAAP also establishes a fair value hierarchy which prioritizes the valuation inputs into three one three Level 1 Valuation is based on quoted prices in active markets for identical assets and liabilities. Level 2 Valuation is based on observable inputs including: ● quoted prices in active markets for similar assets and liabilities, ● quoted prices for identical or similar assets and liabilities in less active markets, ● inputs other than quoted prices that are observable, and ● model-based valuation techniques for which significant assumptions can be derived primarily from or corroborated by observable data in the market. Level 3 Valuation is based on model-based techniques that use one Fair value is best determined by quoted market prices. However, in many instances, there are no not may not may not The following describes the valuation techniques used by the Company to measure certain financial assets and liabilities recorded at fair value on a recurring basis in the consolidated financial statements: Financial Instruments Measured at Fair Value on a Recurring Basis Securities Available for Sale Securities available for sale are recorded at fair value on a recurring basis. Fair value measurement is based upon quoted market prices, when available (Level 1 not may 2 June 30, 2022 Fair Value Measurements Using Description Balance Level 1 Level 2 Level 3 U.S. Treasuries $ 955 $ 955 U.S. Government agencies and corporations 334,421 - 334,421 - States and political subdivisions 163,781 - 163,781 - Mortgage-backed securities 177,180 - 177,180 - Corporate debt securities 5,914 - 5,914 - Total securities available for sale $ 682,251 $ - $ 682,251 $ - December 31, 2021 Fair Value Measurements Using Description Balance Level 1 Level 2 Level 3 U.S. Government agencies and corporations $ 278,019 $ - $ 278,019 $ - States and political subdivisions 198,672 - 198,672 - Mortgage-backed securities 206,174 - 206,174 - Corporate debt securities 3,215 - 3,215 - Total securities available for sale $ 686,080 $ - $ 686,080 $ - The Company’s securities portfolio is valued using Level 2 third two third 2 may Financial Instruments Measured at Fair Value on a Non-Recurring Basis Certain financial instruments are measured at fair value on a nonrecurring basis in accordance with U.S. GAAP. Adjustments to the fair value of these assets usually result from the application of lower-of-cost-or-market accounting or write-downs of individual assets. The following describes the valuation techniques used by the Company to measure certain assets recorded at fair value on a nonrecurring basis in the financial statements. Loans Held for Sale Loans held for sale are carried at the lower of cost or fair value. These loans currently consist of one four not 2 June 30, 2022 December 31, 2021. Impaired Loans Impaired loans are measured at fair value on a nonrecurring basis. If an individually evaluated impaired loan’s balance exceeds fair value, the amount is allocated to the allowance for loan losses. Any fair value adjustments are recorded in the period incurred as provision for loan losses on the Consolidated Statements of Income. The fair value of an impaired loan may one three 1 3 may 2 3. Loans valued using the collateral method may Appraisals are prepared by independent, licensed appraisers using observable market data analyzed through an income or sales valuation approach. Appraisals of less than 24 2 3. 3. The value of business equipment is based upon an outside appraisal (Level 2 3 not 3 3. At June 30, 2022 December 31, 2021, not Other Real Estate Owned Certain assets such as other real estate owned (“OREO”) are measured at fair value less cost to sell. Valuation of OREO is determined using current appraisals from independent parties, a Level 2 3 3 The following table summarizes the Company’s OREO that was measured at fair value on a nonrecurring basis. Date Description Balance Level 1 Level 2 Level 3 June 30, 2022 OREO, net of valuation allowance $ 957 $ - $ - $ 957 December 31, 2021 OREO, net of valuation allowance 957 - - 957 The following table presents information about OREO and Level 3 Date Valuation Technique Unobservable Input Range (Weighted Average) June 30, 2022 Discounted appraised value Selling cost 6.20 (1) December 31, 2021 Discounted appraised value Selling cost 6.20 (1) ( 1 As of June 30, 2022 December 31, 2021, At June 30, 2022 December 31, 2021, may 6% 10% There is uncertainty in determining discounts to appraised value. Future changes to marketability assumptions or updated appraisals may may Fair Value Summary The following presents the recorded amount, fair value, and placement in the fair value hierarchy of the Company’s financial instruments as of the dates indicated. Fair values are estimated using the exit price notion. June 30, 2022 Recorded Amount Level 1 Level 2 Level 3 Financial Assets: Cash and due from banks $ 11,798 $ 11,798 $ - $ - Interest-bearing deposits 95,812 95,812 - - Securities available for sale 682,251 - 682,251 - Restricted securities 941 - 941 - Loans held for sale 488 - 488 - Loans, net 840,745 - - 797,363 Accrued interest receivable 5,506 - 5,506 - Bank-owned life insurance 42,833 - 42,833 - Financial Liabilities: Deposits $ 1,577,831 $ - $ 1,496,866 $ 73,452 Accrued interest payable 46 - 46 - December 31, 2021 Recorded Amount Level 1 Level 2 Level 3 Financial Assets: Cash and due from banks $ 8,768 $ 8,768 $ - $ - Interest-bearing deposits 130,021 130,021 - - Securities available for sale 686,080 - 686,080 - Restricted securities 845 - 845 - Loans held for sale 615 - 615 - Loans, net 795,574 - - 791,335 Accrued interest receivable 5,104 - 5,104 - Bank-owned life insurance 42,354 - 42,354 - Financial Liabilities: Deposits $ 1,494,587 $ - $ 1,415,619 $ 79,115 Accrued interest payable 48 - 48 -

Note 7 - Components of Accumula

Note 7 - Components of Accumulated Other Comprehensive Loss	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Comprehensive Income (Loss) Note [Text Block]	Note 7: The following tables provide information about components of accumulated other comprehensive loss as of the dates indicated: Net Unrealized Gain (Loss) on Securities Adjustments Related to Pension Benefits Accumulated Other Comprehensive Loss Balance at March 31, 2021 $ 854 $ (10,147 ) $ (9,293 ) Unrealized holding gain on available for sale securities, net of tax of $ 1,922 7,235 - 7,235 Balance at June 30, 2021 $ 8,089 $ (10,147 ) $ (2,058 ) Balance at March 31, 2022 $ (30,972 ) $ (6,912 ) $ (37,884 ) Unrealized holding loss on available for sale securities, net of tax of ($6,617) (24,893 ) - (24,893 ) Balance at June 30, 2022 $ (55,865 ) $ (6,912 ) $ (62,777 ) Net Unrealized Gain (Loss) on Securities Adjustments Related to Pension Benefits Accumulated Other Comprehensive Income (Loss) Balance at December 31, 2020 $ 13,167 $ (10,147 ) $ 3,020 Unrealized holding loss on available for sale securities, net of tax of ($1,349) (5,074 ) - (5,074 ) Reclassification adjustment, net of tax of ($1) (4 ) - (4 ) Balance at June 30, 2021 $ 8,089 $ (10,147 ) $ (2,058 ) Balance at December 31, 2021 $ 2,854 $ (6,912 ) $ (4,058 ) Unrealized holding loss on available for sale securities, net of tax of ($15,609) (58,719 ) - (58,719 ) Balance at June 30, 2022 $ (55,865 ) $ (6,912 ) $ (62,777 )

Note 8 - Revenue Recognition

Note 8 - Revenue Recognition	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Revenue from Contract with Customer [Text Block]	Note 8: Substantially all of the Company’s revenue is generated from contracts with customers. Noninterest revenue streams such as service charges on deposit accounts, other service charges and fees, credit and debit card fees, trust income, and annuity and insurance commissions are recognized in accordance with ASC Topic 606, 606 not 606 Service Charges on Deposit Accounts Service charges on deposit accounts consist of monthly service fees, overdraft and nonsufficient funds fees, ATM fees, wire transfer fees, and other deposit account related fees. The Company’s performance obligation for monthly service fees is generally satisfied, and the related revenue recognized, over the period in which the service is provided. Payment for service charges on deposit accounts is primarily received immediately or in the following month through a direct charge to customers’ accounts. ATM fees are primarily generated when a Company cardholder uses a non-Company ATM or a non-Company cardholder uses a Company ATM. Wire transfer fees, overdraft and nonsufficient funds fees and other deposit account related fees are transactional based, and therefore, the Company’s performance obligation is satisfied, and related revenue recognized, at a point in time. Other Service Charges and Fees Other service charges include safety deposit box rental fees, check ordering charges, and other service charges. Safe deposit box rental fees are charged to the customer on an annual basis and recognized upon receipt of payment. The Company determined that since rentals and renewals occur fairly consistently over time, revenue is recognized on a basis consistent with the duration of the performance obligation. Check ordering charges are transactional based, and therefore the Company’s performance obligation is satisfied, and related revenue recognized, at a point in time. Credit and Debit Card Fees Credit and debit card fees are primarily comprised of interchange fee income and merchant services income. Interchange fees are earned whenever the Company’s debit and credit cards are processed through card payment networks such as Visa and MasterCard. Merchant services income mainly represents commission fees based upon merchant processing volume. The Company’s performance obligation for interchange fee income and merchant services income are largely satisfied, and related revenue recognized, when the services are rendered or upon completion. Payment is typically received immediately or in the following month. In compliance with Topic 606, Trust Income Trust income is primarily comprised of fees earned from the management and administration of trusts and estates and other customer assets. The Company’s performance obligation is generally satisfied over time and the resulting fees are recognized monthly, based upon the month-end market value of the assets under management and the applicable fee rate. Payment is generally received a few days after month end through a direct charge to customers’ accounts. The Company does not Insurance and Investment Insurance income primarily consists of commissions received on insurance product sales. The Company acts as an intermediary between the Company’s customer and the insurance carrier. The Company’s performance obligation is generally satisfied upon the issuance of the insurance policy. Shortly after the insurance policy is issued, the carrier remits the commission payment to the Company, and the Company recognizes the revenue. Investment income consists of recurring revenue streams such as commissions from sales of mutual funds and other investments. Commissions from the sale of mutual funds and other investments are recognized on trade date, which is when the Company has satisfied its performance obligation. The Company also receives periodic service fees (i.e., trailers) from mutual fund companies typically based on a percentage of net asset value. Trailer revenue is recorded over time, usually monthly or quarterly, as net asset value is determined. The following presents noninterest income, segregated by revenue streams in-scope and out-of-scope of Topic 606, three six June 30, 2022 June 30, 2021. Three Months Ended June 30, 2022 2021 Noninterest Income In-scope of Topic 606: Service charges on deposit accounts $ 603 $ 471 Other service charges and fees 51 43 Credit and debit card fees, net 535 479 Trust income 439 434 Insurance and Investment (included within Other Income on the Consolidated Statements of Income) 141 141 Noninterest Income (in-scope of Topic 606) $ 1,769 $ 1,568 Noninterest Income (out-of-scope of Topic 606) 343 373 Total noninterest income $ 2,112 $ 1,941 Six Months Ended June 30, 2022 2021 Noninterest Income In-scope of Topic 606: Service charges on deposit accounts $ 1,165 $ 940 Other service charges and fees 106 84 Credit and debit card fees, net 975 913 Trust income 882 849 Insurance and Investment (included within Other Income on the Consolidated Statements of Income) 348 540 Noninterest Income (in-scope of Topic 606) $ 3,476 $ 3,326 Noninterest Income (out-of-scope of Topic 606) 927 949 Total noninterest income $ 4,403 $ 4,275

Note 9 - Leases

Note 9 - Leases	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Lessee, Operating Leases [Text Block]	Note 9: The Company’s leases are recorded under ASC Topic 842, 842, not 12 not Right-of-use assets and lease liabilities are recognized for operating and finance leases. Right-of-use assets represent the Company’s right to use the underlying asset for the lease term and are calculated as the sum of the lease liability and if applicable, prepaid rent, initial direct costs and any incentives received from the lessor. Lease liabilities represent the Company’s obligation to make lease payments and are presented at each reporting date as the net present value of the remaining contractual cash flows. Cash flows are discounted at the Company’s incremental borrowing rate in effect at the commencement date of the lease. Lease payments Lease payments for short-term leases are recognized as lease expense on a straight-line basis over the lease term, or for variable lease payments, in the period in which the obligation was incurred. Payments for leases with terms longer than 12 may not not Options to Extend, Residual Value Guarantees, and Restrictions and Covenants Of the Company’s five three two five not not One of the leases has one five not not 2020 not None none The Company’s lease right of use asset is included in other assets and the lease liability is included in other liabilities. The following tables present information about leases: June 30, 2022 December 31, 2021 Lease liability $ 1,453 $ 1,558 Right-of-use asset $ 1,427 $ 1,532 Weighted average remaining lease term (years) 5.83 6.33 Weighted average discount rate 3.20 % 3.21 % For the Three Months Ended June 30, 2022 2021 Lease Expense Operating lease expense $ 78 $ 94 Short-term lease expense - - Total lease expense $ 78 $ 94 Cash paid for amounts included in lease liabilities $ 78 $ 92 Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period $ - $ - For the Six Months Ended June 30, 2022 2021 Lease Expense Operating lease expense $ 154 $ 187 Short-term lease expense 1 1 Total lease expense $ 155 $ 188 Cash paid for amounts included in lease liabilities $ 156 $ 184 Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period $ 25 $ - The following table presents a maturity schedule of undiscounted cash flows that contribute to the lease liability: Undiscounted Cash Flow for the Period As of June 30, 2022 Twelve months ending June 30, 2023 $ 307 Twelve months ending June 30, 2024 295 Twelve months ending June 30, 2025 282 Twelve months ending June 30, 2026 219 Twelve months ending June 30, 2027 195 Thereafter 299 Total undiscounted cash flows $ 1,597 Less: discount (144 ) Lease liability $ 1,453 The contracts in which the Company is lessee are with parties external to the company and not

Note 2 - Loan Portfolio (Tables

Note 2 - Loan Portfolio (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	June 30, 2022 December 31, 2021 Real estate construction $ 69,724 $ 48,841 Consumer real estate 217,143 208,977 Commercial real estate 425,388 405,722 Commercial non real estate 52,338 60,264 Public sector and IDA 49,856 47,899 Consumer non real estate 34,825 32,026 Gross loans 849,274 803,729 Less unearned income and deferred fees and costs (460 ) (481 ) Loans, net of unearned income and deferred fees and costs $ 848,814 $ 803,248

Note 3 - Allowance for Loan L_2

Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Financing Receivable, Allowance for Credit Loss [Table Text Block]	Activity in the Allowance for Loan Losses for the Six Months Ended June 30, 2022 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Balance, December 31, 2021 $ 422 $ 1,930 $ 3,121 $ 1,099 $ 297 $ 444 $ 361 $ 7,674 Charge-offs - - - (2 ) - (133 ) - (135 ) Recoveries - - 24 6 - 56 - 86 Provision for (recovery of) loan losses 285 189 325 (307 ) 39 95 (182 ) 444 Balance, June 30, 2022 $ 707 $ 2,119 $ 3,470 $ 796 $ 336 $ 462 $ 179 $ 8,069 Activity in the Allowance for Loan Losses for the Six Months Ended June 30, 2021 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Balance, December 31, 2020 $ 503 $ 2,165 $ 3,853 $ 670 $ 339 $ 555 $ 396 $ 8,481 Charge-offs - (13 ) - (485 ) - (88 ) - (586 ) Recoveries - - 25 27 - 76 - 128 Provision for (recovery of) loan losses (18 ) (144 ) (427 ) 655 37 (26 ) (23 ) 54 Balance, June 30, 2021 $ 485 $ 2,008 $ 3,451 $ 867 $ 376 $ 517 $ 373 $ 8,077 Activity in the Allowance for Loan Losses for the Year Ended December 31, 2021 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Balance, December 31, 2020 $ 503 $ 2,165 $ 3,853 $ 670 $ 339 $ 555 $ 396 $ 8,481 Charge-offs - (13 ) - (526 ) - (216 ) - (755 ) Recoveries - 20 159 33 - 134 - 346 Provision for (recovery of) loan losses (81 ) (242 ) (891 ) 922 (42 ) (29 ) (35 ) (398 ) Balance, December 31, 2021 $ 422 $ 1,930 $ 3,121 $ 1,099 $ 297 $ 444 $ 361 $ 7,674
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block]	Allowance for Loan Losses as of June 30, 2022 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Unallocated Total Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 707 2,119 3,470 796 336 462 179 8,069 Total $ 707 $ 2,119 $ 3,470 $ 796 $ 336 $ 462 $ 179 $ 8,069 Allowance for Loan Losses as of December 31, 2021 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non-Real Estate Public Sector and IDA Consumer Non- Real Estate Unallocated Total Individually evaluated for impairment $ - $ - $ - $ - $ - $ - $ - $ - Collectively evaluated for impairment 422 1,930 3,121 1,099 297 444 361 7,674 Total $ 422 $ 1,930 $ 3,121 $ 1,099 $ 297 $ 444 $ 361 $ 7,674 Loans as of June 30, 2022 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non Real Estate Public Sector and IDA Consumer Non Real Estate Total Individually evaluated for impairment $ - $ 188 $ 5,342 $ 279 $ - $ - $ 5,809 Collectively evaluated for impairment 69,724 216,955 420,046 52,059 49,856 34,825 843,465 Total $ 69,724 $ 217,143 $ 425,388 $ 52,338 $ 49,856 $ 34,825 $ 849,274 Loans as of December 31, 2021 Real Estate Construction Consumer Real Estate Commercial Real Estate Commercial Non-Real Estate Public Sector and IDA Consumer Non- Real Estate Total Individually evaluated for impairment $ - $ 191 $ 5,386 $ 301 $ - $ - $ 5,878 Collectively evaluated for impairment 48,841 208,786 400,336 59,963 47,899 32,026 797,851 Total $ 48,841 $ 208,977 $ 405,722 $ 60,264 $ 47,899 $ 32,026 $ 803,729
Schedule of Ratios for Allowance for Loan Losses [Table Text Block]	As of and for the Six Months Ended June 30, Year Ended December 31, 2022 2021 2021 Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs (1) 0.95 % 1.00 % 0.96 % Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs (1) 0.01 % 0.12 % 0.05 %
Schedule of Nonperforming Assets [Table Text Block]	June 30, December 31, 2022 2021 2021 Nonperforming assets: Nonaccrual loans $ 168 $ 713 $ - Restructured loans in nonaccrual 2,811 3,109 2,873 Total nonperforming loans 2,979 3,822 2,873 Other real estate owned, net 957 1,007 957 Total nonperforming assets $ 3,936 $ 4,829 $ 3,830 Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned 0.46 % 0.60 % 0.48 % Ratio of allowance for loan losses to nonperforming loans (1) 270.86 % 211.33 % 267.11 %
Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block]	June 30, December 31, 2022 2021 2021 Loans past due 90 days or more and still accruing $ 7 $ 28 $ 90 Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs 0.00 % 0.00 % 0.01 % Accruing restructured loans $ 2,998 $ 3,011 $ 3,005 Impaired loans: Impaired loans with no valuation allowance $ 5,809 $ 6,774 $ 5,878 Impaired loans with a valuation allowance - - - Total impaired loans $ 5,809 $ 6,774 $ 5,878 Valuation allowance - - - Impaired loans, net of allowance $ 5,809 $ 6,774 $ 5,878 Average recorded investment in impaired loans (1) $ 5,820 $ 6,796 $ 5,901 Interest income recognized on impaired loans, after designation as impaired $ 43 $ 105 $ 137 Amount of income recognized on a cash basis $ - $ - $ -
Impaired Financing Receivables [Table Text Block]	Impaired Loans as of June 30, 2022 Principal Balance Total Recorded Investment (1) Recorded Investment (1) for Which There is No Related Allowance Recorded Investment (1) for Which There is a Related Allowance Related Allowance Consumer Real Estate Investor-owned residential real estate $ 188 $ 188 $ 188 $ - $ - Commercial Real Estate Commercial real estate, owner-occupied 3,252 2,624 2,624 - - Commercial real estate, other 2,718 2,718 2,718 - - Commercial Non Real Estate Commercial and industrial 295 279 279 - - Total $ 6,453 $ 5,809 $ 5,809 $ - $ - Impaired Loans as of December 31, 2021 Principal Balance Total Recorded Investment (1) Recorded Investment (1) for Which There is No Related Allowance Recorded Investment (1) for Which There is a Related Allowance Related Allowance Consumer Real Estate Investor-owned residential real estate $ 191 $ 191 $ 191 $ - $ - Commercial Real Estate Commercial real estate, owner occupied 3,256 2,665 2,665 - - Commercial real estate, other 2,721 2,721 2,721 - - Commercial Non-Real Estate Commercial and industrial 310 301 301 - - Total $ 6,478 $ 5,878 $ 5,878 $ - $ -
Impaired Financing Receivable Average Investment And Interest Income [Table Text Block]	For the Six Months Ended June 30, 2022 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate Investor-owned residential real estate $ 189 $ 6 Commercial Real Estate Commercial real estate, owner occupied 2,626 3 Commercial real estate, other 2,719 34 Commercial Non Real Estate Commercial and industrial 286 - Total $ 5,820 $ 43 For the Six Months Ended June 30, 2021 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate Investor-owned residential real estate $ 193 $ 6 Commercial Real Estate Commercial real estate, owner occupied 2,890 7 Commercial real estate, other 3,378 84 Commercial Non Real Estate Commercial and industrial 334 8 Consumer Non Real Estate Automobile 1 - Total $ 6,796 $ 105 For the Year Ended December 31, 2021 Average Recorded Investment (1) Interest Income Recognized Consumer Real Estate Investor-owned residential real estate $ 192 $ 13 Commercial Real Estate Commercial real estate, owner occupied 2,668 9 Commercial real estate, other 2,723 100 Commercial Non-Real Estate Commercial and industrial 317 15 Consumer Non-Real Estate Automobile 1 - Total $ 5,901 $ 137
Financing Receivable, Past Due [Table Text Block]	June 30, 2022 30 89 Days Past Due and Accruing 90 or More Days Past Due (1) 90 or More Days Past Due and Accruing Nonaccruals Consumer Real Estate Residential closed-end first liens $ 641 $ 137 $ - $ 137 Equity lines - 29 - 29 Commercial Real Estate Commercial real estate, owner-occupied 19 258 - 2,532 Commercial Non Real Estate Commercial and industrial 37 - - 279 Consumer Non Real Estate Automobile 35 - - - Credit cards 2 Other consumer loans 136 7 7 2 Total $ 870 $ 431 $ 7 $ 2,979 December 31, 2021 30 89 Days Past Due and Accruing 90 or More Days Past Due (1) 90 or More Days Past Due and Accruing Nonaccruals Real Estate Construction Construction, other $ 14 $ - $ - $ - Consumer Real Estate Equity lines 50 29 29 - Residential closed-end first liens 715 58 58 - Commercial Real Estate Commercial real estate, owner occupied 12 266 - 2,572 Commercial Non-Real Estate Commercial and industrial 13 - - 301 Consumer Non-Real Estate Credit cards 2 2 2 - Automobile 93 - - - Other consumer loans 88 1 1 - Total $ 987 $ 356 $ 90 $ 2,873
Financing Receivable Credit Quality Indicators [Table Text Block]	June 30, 2022 Pass Special Mention Classified Real Estate Construction Construction, 1-4 family residential $ 17,791 $ - $ - Construction, other 51,621 312 - Consumer Real Estate Equity lines 14,165 - 29 Residential closed-end first liens 115,558 - 377 Residential closed-end junior liens 2,189 - - Investor-owned residential real estate 84,043 - 594 Commercial Real Estate Multifamily residential real estate 113,938 - - Commercial real estate owner-occupied 131,560 - - Commercial real estate, other 174,548 - - Commercial Non Real Estate Commercial and industrial 52,045 - 14 Public Sector and IDA States and political subdivisions 49,856 - - Consumer Non Real Estate Credit cards 4,644 - - Automobile 10,411 - - Other consumer 19,762 - 8 Total $ 842,131 $ 312 $ 1,022 December 31, 2021 Pass Special Mention Classified Real Estate Construction Construction, 1-4 family residential $ 10,008 $ - $ - Construction, other 38,833 - - Consumer Real Estate Equity lines 13,588 - 29 Residential closed-end first liens 106,107 - 275 Residential closed-end junior liens 2,715 - - Investor-owned residential real estate 85,460 - 612 Commercial Real Estate Multifamily residential real estate 106,644 - - Commercial real estate owner-occupied 125,605 - 35 Commercial real estate, other 164,324 3,728 - Commercial Non-Real Estate Commercial and industrial 59,953 - 10 Public Sector and IDA States and political subdivisions 47,899 - - Consumer Non-Real Estate Credit cards 4,531 - - Automobile 10,990 - 3 Other consumer 16,402 - 100 Total $ 793,059 $ 3,728 $ 1,064
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	Restructurings That Occurred During the Three Months Ended June 30, 2021 Number of Contracts Pre-Modification Outstanding Principal Balance Post-Modification Outstanding Principal Balance Commercial Real Estate Commercial real estate, other 2 $ 2,724 $ 2,724 Total 2 $ 2,724 $ 2,724 Restructurings That Occurred During the Six Months Ended June 30, 2021 Number of Contracts Pre-Modification Outstanding Principal Balance Post-Modification Outstanding Principal Balance Commercial Real Estate Commercial real estate owner-occupied 1 $ 102 $ 102 Commercial real estate, other 2 2,724 2,724 Total 3 $ 2,826 $ 2,826

Note 4 - Securities (Tables)

Note 4 - Securities (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Debt Securities, Available-for-Sale [Table Text Block]	June 30, 2022 Amortized Costs Gross Unrealized Gains Gross Unrealized Losses Fair Values Available for Sale: U.S. Treasuries $ 990 $ - $ 35 $ 955 U.S. Government agencies and corporations 369,410 152 35,141 334,421 States and political subdivisions 193,019 103 29,341 163,781 Mortgage-backed securities 183,047 27 5,894 177,180 Corporate debt securities 6,500 - 586 5,914 Total securities available for sale $ 752,966 $ 282 $ 70,997 $ 682,251 December 31, 2021 Amortized Costs Gross Unrealized Gains Gross Unrealized Losses Fair Values Available for Sale: U.S. Government agencies and corporations $ 279,934 $ 2,795 $ 4,710 $ 278,019 States and political subdivisions 195,365 5,314 2,007 198,672 Mortgage-backed securities 204,164 2,323 313 206,174 Corporate debt securities 3,004 248 37 3,215 Total securities available for sale $ 682,467 $ 10,680 $ 7,067 $ 686,080
Investments Classified by Contractual Maturity Date [Table Text Block]	June 30, 2022 Amortized Cost Fair Value Available for Sale: Due in one year or less $ 3,768 $ 3,745 Due after one year through five years 104,168 100,560 Due after five years through ten years 328,929 298,257 Due after ten years 316,101 279,689 Total securities available for sale $ 752,966 $ 682,251
Schedule of Temporary Impairment Losses, Investments [Table Text Block]	June 30, 2022 Less Than 12 Months 12 Months or More Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. Treasuries $ 955 $ 35 $ - $ - U.S. Government agencies and corporations 262,561 22,913 64,695 12,228 States and political subdivisions 120,556 20,031 32,812 9,310 Mortgage-backed securities 164,176 5,302 9,442 592 Corporate debt securities 5,914 586 - - Total temporarily impaired securities $ 554,162 $ 48,867 $ 106,949 $ 22,130 December 31, 2021 Less Than 12 Months 12 Months or More Fair Value Unrealized Loss Fair Value Unrealized Loss U.S. Government agencies and corporations $ 201,650 $ 3,530 $ 26,792 $ 1,180 States and political subdivisions 50,659 1,214 20,542 793 Mortgage-backed securities 13,139 141 4,665 172 Corporate debt securities 966 37 - - Total temporarily impaired securities $ 266,414 $ 4,922 $ 51,999 $ 2,145

Note 5 - Defined Benefit Plan (

Note 5 - Defined Benefit Plan (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Schedule of Defined Benefit Plans Disclosures [Table Text Block]	Pension Benefits Three Months Ended June 30, 2022 2021 Service cost $ 324 $ 361 Interest cost 204 184 Expected return on plan assets (629 ) (555 ) Amortization of prior service cost - (3 ) Recognized net actuarial loss 110 208 Net periodic benefit cost $ 9 $ 195 Pension Benefits Six Months Ended June 30, 2022 2021 Service cost $ 648 $ 722 Interest cost 408 368 Expected return on plan assets (1,258 ) (1,110 ) Amortization of prior service cost - (6 ) Recognized net actuarial loss 220 416 Net periodic benefit cost $ 18 $ 390

Note 6 - Fair Value Measureme_2

Note 6 - Fair Value Measurements (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	June 30, 2022 Fair Value Measurements Using Description Balance Level 1 Level 2 Level 3 U.S. Treasuries $ 955 $ 955 U.S. Government agencies and corporations 334,421 - 334,421 - States and political subdivisions 163,781 - 163,781 - Mortgage-backed securities 177,180 - 177,180 - Corporate debt securities 5,914 - 5,914 - Total securities available for sale $ 682,251 $ - $ 682,251 $ - December 31, 2021 Fair Value Measurements Using Description Balance Level 1 Level 2 Level 3 U.S. Government agencies and corporations $ 278,019 $ - $ 278,019 $ - States and political subdivisions 198,672 - 198,672 - Mortgage-backed securities 206,174 - 206,174 - Corporate debt securities 3,215 - 3,215 - Total securities available for sale $ 686,080 $ - $ 686,080 $ -
Fair Value Measurements, Nonrecurring [Table Text Block]	Date Description Balance Level 1 Level 2 Level 3 June 30, 2022 OREO, net of valuation allowance $ 957 $ - $ - $ 957 December 31, 2021 OREO, net of valuation allowance 957 - - 957
Fair Value Measurement Inputs and Valuation Techniques [Table Text Block]	Date Valuation Technique Unobservable Input Range (Weighted Average) June 30, 2022 Discounted appraised value Selling cost 6.20 (1) December 31, 2021 Discounted appraised value Selling cost 6.20 (1)
Fair Value, by Balance Sheet Grouping [Table Text Block]	June 30, 2022 Recorded Amount Level 1 Level 2 Level 3 Financial Assets: Cash and due from banks $ 11,798 $ 11,798 $ - $ - Interest-bearing deposits 95,812 95,812 - - Securities available for sale 682,251 - 682,251 - Restricted securities 941 - 941 - Loans held for sale 488 - 488 - Loans, net 840,745 - - 797,363 Accrued interest receivable 5,506 - 5,506 - Bank-owned life insurance 42,833 - 42,833 - Financial Liabilities: Deposits $ 1,577,831 $ - $ 1,496,866 $ 73,452 Accrued interest payable 46 - 46 - December 31, 2021 Recorded Amount Level 1 Level 2 Level 3 Financial Assets: Cash and due from banks $ 8,768 $ 8,768 $ - $ - Interest-bearing deposits 130,021 130,021 - - Securities available for sale 686,080 - 686,080 - Restricted securities 845 - 845 - Loans held for sale 615 - 615 - Loans, net 795,574 - - 791,335 Accrued interest receivable 5,104 - 5,104 - Bank-owned life insurance 42,354 - 42,354 - Financial Liabilities: Deposits $ 1,494,587 $ - $ 1,415,619 $ 79,115 Accrued interest payable 48 - 48 -

Note 7 - Components of Accumu_2

Note 7 - Components of Accumulated Other Comprehensive Loss (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	Net Unrealized Gain (Loss) on Securities Adjustments Related to Pension Benefits Accumulated Other Comprehensive Loss Balance at March 31, 2021 $ 854 $ (10,147 ) $ (9,293 ) Unrealized holding gain on available for sale securities, net of tax of $ 1,922 7,235 - 7,235 Balance at June 30, 2021 $ 8,089 $ (10,147 ) $ (2,058 ) Balance at March 31, 2022 $ (30,972 ) $ (6,912 ) $ (37,884 ) Unrealized holding loss on available for sale securities, net of tax of ($6,617) (24,893 ) - (24,893 ) Balance at June 30, 2022 $ (55,865 ) $ (6,912 ) $ (62,777 ) Net Unrealized Gain (Loss) on Securities Adjustments Related to Pension Benefits Accumulated Other Comprehensive Income (Loss) Balance at December 31, 2020 $ 13,167 $ (10,147 ) $ 3,020 Unrealized holding loss on available for sale securities, net of tax of ($1,349) (5,074 ) - (5,074 ) Reclassification adjustment, net of tax of ($1) (4 ) - (4 ) Balance at June 30, 2021 $ 8,089 $ (10,147 ) $ (2,058 ) Balance at December 31, 2021 $ 2,854 $ (6,912 ) $ (4,058 ) Unrealized holding loss on available for sale securities, net of tax of ($15,609) (58,719 ) - (58,719 ) Balance at June 30, 2022 $ (55,865 ) $ (6,912 ) $ (62,777 )

Note 8 - Revenue Recognition (T

Note 8 - Revenue Recognition (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Disaggregation of Revenue [Table Text Block]	Three Months Ended June 30, 2022 2021 Noninterest Income In-scope of Topic 606: Service charges on deposit accounts $ 603 $ 471 Other service charges and fees 51 43 Credit and debit card fees, net 535 479 Trust income 439 434 Insurance and Investment (included within Other Income on the Consolidated Statements of Income) 141 141 Noninterest Income (in-scope of Topic 606) $ 1,769 $ 1,568 Noninterest Income (out-of-scope of Topic 606) 343 373 Total noninterest income $ 2,112 $ 1,941 Six Months Ended June 30, 2022 2021 Noninterest Income In-scope of Topic 606: Service charges on deposit accounts $ 1,165 $ 940 Other service charges and fees 106 84 Credit and debit card fees, net 975 913 Trust income 882 849 Insurance and Investment (included within Other Income on the Consolidated Statements of Income) 348 540 Noninterest Income (in-scope of Topic 606) $ 3,476 $ 3,326 Noninterest Income (out-of-scope of Topic 606) 927 949 Total noninterest income $ 4,403 $ 4,275

Note 9 - Leases (Tables)

Note 9 - Leases (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Lease, Cost [Table Text Block]	June 30, 2022 December 31, 2021 Lease liability $ 1,453 $ 1,558 Right-of-use asset $ 1,427 $ 1,532 Weighted average remaining lease term (years) 5.83 6.33 Weighted average discount rate 3.20 % 3.21 % For the Three Months Ended June 30, 2022 2021 Lease Expense Operating lease expense $ 78 $ 94 Short-term lease expense - - Total lease expense $ 78 $ 94 Cash paid for amounts included in lease liabilities $ 78 $ 92 Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period $ - $ - For the Six Months Ended June 30, 2022 2021 Lease Expense Operating lease expense $ 154 $ 187 Short-term lease expense 1 1 Total lease expense $ 155 $ 188 Cash paid for amounts included in lease liabilities $ 156 $ 184 Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period $ 25 $ -
Lessee, Operating Lease, Liability, Maturity [Table Text Block]	Undiscounted Cash Flow for the Period As of June 30, 2022 Twelve months ending June 30, 2023 $ 307 Twelve months ending June 30, 2024 295 Twelve months ending June 30, 2025 282 Twelve months ending June 30, 2026 219 Twelve months ending June 30, 2027 195 Thereafter 299 Total undiscounted cash flows $ 1,597 Less: discount (144 ) Lease liability $ 1,453

Note 2 - Loan Portfolio - Loan

Note 2 - Loan Portfolio - Loan Portfolio, Excluding Loans Held for Sale (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021	Dec. 31, 2020
Gross loans	$ 849,274		$ 803,729
Less unearned income and deferred fees and costs	(460)		(481)
Loans, net of unearned income and deferred fees and costs	848,814	$ 803,248	803,248
Real Estate Construction Portfolio Segment[Member]
Gross loans	69,724	48,841	48,841
Consumer Real Estate Portfolio Segment [Member]
Gross loans	217,143	208,977	208,977
Commercial Real Estate Portfolio Segment [Member]
Gross loans	425,388	405,722	405,722
Commercial Non Real Estate Segment [Member]
Gross loans	52,338	60,264	60,264
Public Sector and IDA Portfolio Segment[Member]
Gross loans	49,856	47,899	47,899
Consumer Non Real Estate Portfolio Segment [Member]
Gross loans	$ 34,825	$ 32,026	$ 32,026

Note 3 - Allowance for Loan L_3

Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Details Textual) Pure in Thousands, $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($)	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($)	Dec. 31, 2021 USD ($)
Financing Receivable, Threshold Period Past Due (Day)	90 days		90 days
Interest and Fee Income, Loans and Leases, Total	$ 8,324	$ 8,466	$ 16,424	$ 17,016
Financing Receivable, Troubled Debt Restructuring	$ 5,809	$ 6,120	$ 5,809	$ 6,120	$ 5,878
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts			0	0
Nonperforming Financial Instruments [Member]
Interest and Fee Income, Loans and Leases, Total			$ 0	$ 0	$ 0

Note 3 - Allowance for Loan L_4

Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Balance			$ 7,674	$ 8,481	$ 8,481
Charge-offs			(135)	(586)	(755)
Recoveries			86	128	346
Provision for loan losses	$ 310	$ 4	444	54	(398)
Balance	8,069	8,077	8,069	8,077	7,674
Real Estate Construction Portfolio Segment[Member]
Balance			422	503	503
Provision for loan losses			285	(18)	(81)
Balance	707	485	707	485	422
Consumer Real Estate Portfolio Segment [Member]
Balance			1,930	2,165	2,165
Charge-offs				(13)	(13)
Recoveries					20
Provision for loan losses			189	(144)	(242)
Balance	2,119	2,008	2,119	2,008	1,930
Commercial Real Estate Portfolio Segment [Member]
Balance			3,121	3,853	3,853
Recoveries			24	25	159
Provision for loan losses			325	(427)	(891)
Balance	3,470	3,451	3,470	3,451	3,121
Commercial Non Real Estate Segment [Member]
Balance			1,099	670	670
Charge-offs			(2)	(485)	(526)
Recoveries			6	27	33
Provision for loan losses			(307)	655	922
Balance	796	867	796	867	1,099
Public Sector and IDA Portfolio Segment[Member]
Balance			297	339	339
Provision for loan losses			39	37	(42)
Balance	336	376	336	376	297
Consumer Non Real Estate Portfolio Segment [Member]
Balance			444	555	555
Charge-offs			(133)	(88)	(216)
Recoveries			56	76	134
Provision for loan losses			95	(26)	(29)
Balance	462	517	462	517	444
Unallocated Financing Receivables [Member]
Balance			361	396	396
Provision for loan losses			(182)	(23)	(35)
Balance	$ 179	$ 373	$ 179	$ 373	$ 361

Note 3 - Allowance for Loan L_5

Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Loans and Allowance for Loan Losses by Evaluation Method (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021	Jun. 30, 2021	Dec. 31, 2020
Allowance for loan losses, Collectively evaluated for impairment	$ 8,069	$ 7,674
Allowance for loan losses	8,069	7,674	$ 8,077	$ 8,481
Loans	849,274			803,729
Consumer Real Estate Portfolio Segment [Member]
Allowance for loan losses, Collectively evaluated for impairment	2,119	1,930
Allowance for loan losses	2,119	1,930	2,008	2,165
Loans, Individually evaluated for impairment	188	191
Non-impaired gross loans	216,955	208,786
Loans	217,143	208,977		208,977
Commercial Real Estate Portfolio Segment [Member]
Allowance for loan losses, Collectively evaluated for impairment	3,470	3,121
Allowance for loan losses	3,470	3,121	3,451	3,853
Loans, Individually evaluated for impairment	5,342	5,386
Non-impaired gross loans	420,046	400,336
Loans	425,388	405,722		405,722
Commercial Non Real Estate Segment [Member]
Allowance for loan losses, Collectively evaluated for impairment	796	1,099
Allowance for loan losses	796	1,099	867	670
Loans, Individually evaluated for impairment	279	301
Non-impaired gross loans	52,059	59,963
Loans	52,338	60,264		60,264
Unallocated Financing Receivables [Member]
Allowance for loan losses, Collectively evaluated for impairment	179	361
Allowance for loan losses	179	361	373	396
Loans, Individually evaluated for impairment	5,809	5,878
Non-impaired gross loans	843,465	797,851
Loans	849,274	803,729
Real Estate Construction Portfolio Segment[Member]
Allowance for loan losses, Collectively evaluated for impairment	707	422
Allowance for loan losses	707	422	485	503
Non-impaired gross loans	69,724	48,841
Loans	69,724	48,841		48,841
Public Sector and IDA Portfolio Segment[Member]
Allowance for loan losses, Collectively evaluated for impairment	336	297
Allowance for loan losses	336	297	376	339
Non-impaired gross loans	49,856	47,899
Loans	49,856	47,899		47,899
Consumer Non Real Estate Portfolio Segment [Member]
Allowance for loan losses, Collectively evaluated for impairment	462	444
Allowance for loan losses	462	444	$ 517	555
Non-impaired gross loans	34,825	32,026
Loans	$ 34,825	$ 32,026		$ 32,026

Note 3 - Allowance for Loan L_6

Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Ratios of Allowance for Loan Losses (Details)		6 Months Ended		12 Months Ended
		Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs(1)		0.95%	1%	0.96%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs(1)	[1]	0.01%	0.12%	0.05%
[1]Net charge-offs are on an annualized basis.

Note 3 - Allowance for Loan L_7

Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Nonperforming Assets (Details) - USD ($) $ in Thousands		Jun. 30, 2022		Dec. 31, 2021		Jun. 30, 2021
Nonaccrual loans		$ 168		$ 0		$ 713
Restructured loans in nonaccrual		2,811		2,873		3,109
Total nonperforming loans		2,979	[1]	2,873	[1]	3,822
Other real estate owned, net		957		957		1,007
Total nonperforming assets		$ 3,936		$ 3,830		$ 4,829
Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned		0.46%		0.48%		0.60%
Ratio of allowance for loan losses to nonperforming loans(1)	[2]	270.86%		267.11%		211.33%
[1]Includes current and past due loans in nonaccrual status. Includes impaired loans in nonaccrual status.[2]The Company defines nonperforming loans as nonaccrual loans and restructured loans that are nonaccrual. Loans 90 days past due and still accruing and accruing restructured loans are excluded.

Note 3 - Allowance for Loan L_8

Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Loans Past Due 90 Days or More and Impaired Loans (Details) - USD ($) $ in Thousands		6 Months Ended			12 Months Ended
		Jun. 30, 2022		Jun. 30, 2021	Dec. 31, 2021
Loans past due 90 days or more and still accruing		$ 7		$ 28	$ 90
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees and costs		0%		0%	0.01%
Accruing restructured loans		$ 2,998		$ 3,011	$ 3,005
Impaired loans:
Impaired loans with no valuation allowance		5,809	[1]	6,774	5,878	[1]
Impaired loans with a valuation allowance		0		0	0	[1]
Total impaired loans		5,809	[1]	6,774	5,878	[1]
Valuation allowance		0		0	0
Impaired loans, net of allowance		5,809		6,774	5,878
Average recorded investment in impaired loans(1)	[1]	5,820		6,796	5,901
Interest income recognized on impaired loans, after designation as impaired		43		105	137
Amount of income recognized on a cash basis		$ 0		$ 0	$ 0
[1]Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status.

Note 3 - Allowance for Loan L_9

Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Impaired Loans and Associated Reserves (Details) - USD ($) $ in Thousands		Jun. 30, 2022		Dec. 31, 2021		Jun. 30, 2021
Principal balance		$ 6,453		$ 6,478
Total recorded investment		5,809	[1]	5,878	[1]	$ 6,774
Recorded investment for which there is no related allowance		5,809	[1]	5,878	[1]	6,774
Recorded investment for which there is a related allowance		0		0	[1]	0
Related allowance		0		0		$ 0
Consumer Real Estate Portfolio Segment [Member] | Investor Owned Residential Real Estate [Member]
Principal balance		188		191
Total recorded investment	[1]	188		191
Recorded investment for which there is no related allowance	[1]	188		191
Recorded investment for which there is a related allowance		0		0	[1]
Related allowance		0		0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Principal balance		3,252		3,256
Total recorded investment	[1]	2,624		2,665
Recorded investment for which there is no related allowance	[1]	2,624		2,665
Recorded investment for which there is a related allowance		0		0	[1]
Related allowance		0		0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Principal balance		2,718		2,721
Total recorded investment	[1]	2,718		2,721
Recorded investment for which there is no related allowance	[1]	2,718		2,721
Recorded investment for which there is a related allowance		0		0	[1]
Related allowance		0		0
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Principal balance		295		310
Total recorded investment	[1]	279		301
Recorded investment for which there is no related allowance	[1]	279		301
Recorded investment for which there is a related allowance		0		0	[1]
Related allowance		$ 0		$ 0
[1]Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status.

Note 3 - Allowance for Loan _10

Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Impaired Loans, Average Investment and Interest Income (Details) - USD ($) $ in Thousands		6 Months Ended		12 Months Ended
		Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Average recorded investment in impaired loans(1)	[1]	$ 5,820	$ 6,796	$ 5,901
Interest income recognized on impaired loans, after designation as impaired		43	105	137
Investor Owned Residential Real Estate [Member] | Consumer Real Estate Portfolio Segment [Member]
Average recorded investment in impaired loans(1)	[1]	189	193	192
Interest income recognized on impaired loans, after designation as impaired		6	6	13
Commercial Real Estate, Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]
Average recorded investment in impaired loans(1)	[1]	2,626	2,890	2,668
Interest income recognized on impaired loans, after designation as impaired		3	7	9
Commercial Real Estate Other [Member] | Commercial Real Estate Portfolio Segment [Member]
Average recorded investment in impaired loans(1)	[1]	2,719	3,378	2,723
Interest income recognized on impaired loans, after designation as impaired		34	84	100
Commercial and Industrial [Member] | Commercial Non Real Estate Segment [Member]
Average recorded investment in impaired loans(1)	[1]	286	334	317
Interest income recognized on impaired loans, after designation as impaired		$ 0	8	15
Automobile Loan [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Average recorded investment in impaired loans(1)	[1]		1	1
Interest income recognized on impaired loans, after designation as impaired			$ 0	$ 0
[1]Recorded investment is net of charge-offs and interest paid while a loan is in nonaccrual status.

Note 3 - Allowance for Loan _11

Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Past Due and Nonaccrual Loans (Details) - USD ($) $ in Thousands		Jun. 30, 2022		Dec. 31, 2021		Jun. 30, 2021	Dec. 31, 2020
Gross loans		$ 849,274					$ 803,729
Loans past due 90 days or more and still accruing		7		$ 90		$ 28
Nonaccruals		2,979	[1]	2,873	[1]	$ 3,822
Consumer Real Estate Portfolio Segment [Member]
Gross loans		217,143		208,977			208,977
Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Loans past due 90 days or more and still accruing		0		58
Nonaccruals	[1]	137		0
Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member]
Loans past due 90 days or more and still accruing		0		29
Nonaccruals	[1]	29		0
Real Estate Construction Portfolio Segment[Member]
Gross loans		69,724		48,841			48,841
Loans past due 90 days or more and still accruing				0
Nonaccruals	[1]			0
Commercial Real Estate Portfolio Segment [Member]
Gross loans		425,388		405,722			405,722
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Loans past due 90 days or more and still accruing		0		0
Nonaccruals	[1]	2,532		2,572
Commercial Non Real Estate Segment [Member]
Gross loans		52,338		60,264			60,264
Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Loans past due 90 days or more and still accruing		0		0
Nonaccruals	[1]	279		301
Consumer Non Real Estate Portfolio Segment [Member]
Gross loans		34,825		32,026			$ 32,026
Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Loans past due 90 days or more and still accruing		0		0
Nonaccruals	[1]	0		0
Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member]
Loans past due 90 days or more and still accruing				2
Nonaccruals	[1]			0
Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans past due 90 days or more and still accruing		7		1
Nonaccruals	[1]	2		0
Financing Receivables 30 to 89 Days Past Due [Member]
Gross loans		870		987
Financing Receivables 30 to 89 Days Past Due [Member] | Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Gross loans		641		715
Financing Receivables 30 to 89 Days Past Due [Member] | Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member]
Gross loans		0		50
Financing Receivables 30 to 89 Days Past Due [Member] | Real Estate Construction Portfolio Segment[Member]
Gross loans				14
Financing Receivables 30 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Gross loans		19		12
Financing Receivables 30 to 89 Days Past Due [Member] | Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Gross loans		37		13
Financing Receivables 30 to 89 Days Past Due [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Gross loans		35		93
Financing Receivables 30 to 89 Days Past Due [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member]
Gross loans		2		2
Financing Receivables 30 to 89 Days Past Due [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member]
Gross loans		136		88
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Gross loans		431		356
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Real Estate Portfolio Segment [Member] | Closed End First Liens [Member]
Gross loans		137		58
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Real Estate Portfolio Segment [Member] | Equity Lines [Member]
Gross loans		29		29
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Real Estate Construction Portfolio Segment[Member]
Gross loans				0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Gross loans		258		266
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Non Real Estate Segment [Member] | Commercial and Industrial [Member]
Gross loans		0		0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Automobile Loan [Member]
Gross loans		0		0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Credit Card Receivable [Member]
Gross loans				2
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Non Real Estate Portfolio Segment [Member] | Other Consumer Loans [Member]
Gross loans		$ 7		$ 1
[1]Includes current and past due loans in nonaccrual status. Includes impaired loans in nonaccrual status.

Note 3 - Allowance for Loan _12

Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Loans by Credit Quality Indicator (Details) - USD ($) $ in Thousands		Jun. 30, 2022	Dec. 31, 2021
Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans		$ 69,724	$ 48,841
Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans		216,955	208,786
Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans		420,046	400,336
Commercial Non Real Estate Segment [Member]
Non-impaired gross loans		52,059	59,963
Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans		34,825	32,026
Pass [Member]
Non-impaired gross loans	[1]	842,131	793,059
Pass [Member] | States Political Subdivisions [Member]
Non-impaired gross loans		49,856	47,899
Special Mention [Member]
Non-impaired gross loans	[1]	312	3,728
Special Mention [Member] | States Political Subdivisions [Member]
Non-impaired gross loans		0	0
Classified Excluding Impaired [Member]
Non-impaired gross loans	[1]	1,022	1,064
Classified Excluding Impaired [Member] | States Political Subdivisions [Member]
Non-impaired gross loans		0	0
Construction, 1-4 Family Residential [Member] | Pass [Member] | Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans	[1]	17,791	10,008
Construction, 1-4 Family Residential [Member] | Special Mention [Member] | Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans	[1]	0	0
Construction, 1-4 Family Residential [Member] | Classified Excluding Impaired [Member] | Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans	[1]	0	0
Construction, Other [Member] | Pass [Member] | Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans	[1]	51,621	38,833
Construction, Other [Member] | Special Mention [Member] | Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans	[1]	312	0
Construction, Other [Member] | Classified Excluding Impaired [Member] | Real Estate Construction Portfolio Segment[Member]
Non-impaired gross loans	[1]	0	0
Equity Lines [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	14,165	13,588
Equity Lines [Member] | Special Mention [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	0	0
Equity Lines [Member] | Classified Excluding Impaired [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	29	29
Closed End First Liens [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans		115,558	106,107
Closed End First Liens [Member] | Special Mention [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans		0	0
Closed End First Liens [Member] | Classified Excluding Impaired [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans		377	275
Closed End Junior Liens [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans		2,189	2,715
Closed End Junior Liens [Member] | Special Mention [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans		0	0
Closed End Junior Liens [Member] | Classified Excluding Impaired [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans		0	0
Investor Owned Residential Real Estate [Member] | Pass [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	84,043	85,460
Investor Owned Residential Real Estate [Member] | Special Mention [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	0	0
Investor Owned Residential Real Estate [Member] | Classified Excluding Impaired [Member] | Consumer Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	594	612
Multifamily Real Estate [Member] | Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	113,938	106,644
Multifamily Real Estate [Member] | Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	0	0
Multifamily Real Estate [Member] | Classified Excluding Impaired [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	0	0
Commercial Real Estate, Owner Occupied [Member] | Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	131,560	125,605
Commercial Real Estate, Owner Occupied [Member] | Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	0	0
Commercial Real Estate, Owner Occupied [Member] | Classified Excluding Impaired [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	0	35
Commercial Real Estate Other [Member] | Pass [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	174,548	164,324
Commercial Real Estate Other [Member] | Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	0	3,728
Commercial Real Estate Other [Member] | Classified Excluding Impaired [Member] | Commercial Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	0	0
Commercial and Industrial [Member] | Pass [Member] | Commercial Non Real Estate Segment [Member]
Non-impaired gross loans	[1]	52,045	59,953
Commercial and Industrial [Member] | Special Mention [Member] | Commercial Non Real Estate Segment [Member]
Non-impaired gross loans	[1]	0	0
Commercial and Industrial [Member] | Classified Excluding Impaired [Member] | Commercial Non Real Estate Segment [Member]
Non-impaired gross loans	[1]	14	10
Credit Card Receivable [Member] | Pass [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	4,644	4,531
Credit Card Receivable [Member] | Special Mention [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	0	0
Credit Card Receivable [Member] | Classified Excluding Impaired [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	0	0
Automobile Loan [Member] | Pass [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	10,411	10,990
Automobile Loan [Member] | Special Mention [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	0	0
Automobile Loan [Member] | Classified Excluding Impaired [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	0	3
Other Consumer Loans [Member] | Pass [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	19,762	16,402
Other Consumer Loans [Member] | Special Mention [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	0	0
Other Consumer Loans [Member] | Classified Excluding Impaired [Member] | Consumer Non Real Estate Portfolio Segment [Member]
Non-impaired gross loans	[1]	$ 8	$ 100
[1]Excludes impaired, if any.

Note 3 - Allowance for Loan _13

Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans - Restructurings By Class (Details) $ in Thousands	3 Months Ended	6 Months Ended
	Jun. 30, 2021 USD ($)	Jun. 30, 2021 USD ($)
Number of contracts	2	3
Pre-modification outstanding principal balance	$ 2,724	$ 2,826
Post-modification outstanding principal balance	$ 2,724	$ 2,826
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Number of contracts	2	2
Pre-modification outstanding principal balance	$ 2,724	$ 2,724
Post-modification outstanding principal balance	$ 2,724	$ 2,724
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate, Owner Occupied [Member]
Number of contracts		1
Pre-modification outstanding principal balance		$ 102
Post-modification outstanding principal balance		$ 102

Note 4 - Securities (Details Te

Note 4 - Securities (Details Textual) $ in Thousands	Jun. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Number of Temporarily Impaired Securities	579
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 661,111
Continuous Unrealized Loss Position Aggregate Losses	$ 70,997
Number of Temporarily Impaired Securities Greater than Twelve Months	116
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	$ 106,949	$ 51,999
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	22,130	2,145
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	630,515
Restricted Stock [Member]
Restricted Investments	$ 941	845
US Government Agencies Debt Securities [Member]
Number of Temporarily Impaired Securities	77
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 64,695
Continuous Unrealized Loss Position Aggregate Losses	12,228
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	64,695	26,792
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	$ 12,228	1,180
US States and Political Subdivisions Debt Securities [Member]
Number of Temporarily Impaired Securities	35
Continuous Unrealized Loss Position Aggregate Losses	$ 9,310
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	32,812	20,542
Continuous Unrealized Loss Position 12 Months or Longer Aggregate Losses	$ 9,310	$ 793
Collateralized Mortgage-Backed Securities [Member]
Number of Temporarily Impaired Securities	4
Available-for-sale and Held to Maturity Securities Continuous Unrealized Loss Position Fair Value	$ 9,442
Continuous Unrealized Loss Position Twelve Months or Longer Fair Value	$ 592

Note 4 - Securities - Securitie

Note 4 - Securities - Securities Available-for-sale (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Securities available-for-sale, amortized costs	$ 752,966	$ 682,467
Securities available-for-sale, gross unrealized gains	282	10,680
Securities available-for-sale, gross unrealized losses	70,997	7,067
Securities available for sale	682,251	686,080
US Treasury Securities [Member]
Securities available-for-sale, amortized costs	990
Securities available-for-sale, gross unrealized gains	0
Securities available-for-sale, gross unrealized losses	35
Securities available for sale	955
US Government Agencies Debt Securities [Member]
Securities available-for-sale, amortized costs	369,410	279,934
Securities available-for-sale, gross unrealized gains	152	2,795
Securities available-for-sale, gross unrealized losses	35,141	4,710
Securities available for sale	334,421	278,019
US States and Political Subdivisions Debt Securities [Member]
Securities available-for-sale, amortized costs	193,019	195,365
Securities available-for-sale, gross unrealized gains	103	5,314
Securities available-for-sale, gross unrealized losses	29,341	2,007
Securities available for sale	163,781	198,672
Collateralized Mortgage-Backed Securities [Member]
Securities available-for-sale, amortized costs	183,047	204,164
Securities available-for-sale, gross unrealized gains	27	2,323
Securities available-for-sale, gross unrealized losses	5,894	313
Securities available for sale	177,180	206,174
Corporate Debt Securities [Member]
Securities available-for-sale, amortized costs	6,500	3,004
Securities available-for-sale, gross unrealized gains	0	248
Securities available-for-sale, gross unrealized losses	586	37
Securities available for sale	$ 5,914	$ 3,215

Note 4 - Securities - Securit_2

Note 4 - Securities - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Amortized cost, due in one year or less, available for sale securities	$ 3,768
Fair value, due in one year or less, available for sale securities	3,745
Amortized cost, due after one year through five years, available for sale securities	104,168
Fair value, due after one year through five years, available for sale securities	100,560
Amortized cost, due after five years through ten years, available for sale securities	328,929
Fair value, due after five years through ten years, available for sale securities	298,257
Amortized cost, due after ten years, available for sale securities	316,101
Fair value, due after ten years, available for sale securities	279,689
Amortized cost, total securities available for sale	752,966	$ 682,467
Fair value, total securities available for sale	$ 682,251	$ 686,080

Note 4 - Securities - Securit_3

Note 4 - Securities - Securities in a Continuous Loss Position (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Temporarily impaired securities, less than 12 months, fair value	$ 554,162	$ 266,414
Temporarily impaired securities, less than 12 months unrealized loss	48,867	4,922
Temporarily impaired securities, 12 months or more fair value	106,949	51,999
Temporarily impaired securities, 12 months or more unrealized loss	22,130	2,145
US Treasury Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	955
Temporarily impaired securities, less than 12 months unrealized loss	35
Temporarily impaired securities, 12 months or more fair value	0
Temporarily impaired securities, 12 months or more unrealized loss	0
US Government Agencies Debt Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	262,561	201,650
Temporarily impaired securities, less than 12 months unrealized loss	22,913	3,530
Temporarily impaired securities, 12 months or more fair value	64,695	26,792
Temporarily impaired securities, 12 months or more unrealized loss	12,228	1,180
US States and Political Subdivisions Debt Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	120,556	50,659
Temporarily impaired securities, less than 12 months unrealized loss	20,031	1,214
Temporarily impaired securities, 12 months or more fair value	32,812	20,542
Temporarily impaired securities, 12 months or more unrealized loss	9,310	793
Commercial Mortgage-Backed Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	164,176	13,139
Temporarily impaired securities, less than 12 months unrealized loss	5,302	141
Temporarily impaired securities, 12 months or more fair value	9,442	4,665
Temporarily impaired securities, 12 months or more unrealized loss	592	172
Corporate Debt Securities [Member]
Temporarily impaired securities, less than 12 months, fair value	5,914	966
Temporarily impaired securities, less than 12 months unrealized loss	586	37
Temporarily impaired securities, 12 months or more fair value	0	0
Temporarily impaired securities, 12 months or more unrealized loss	$ 0	$ 0

Note 5 - Defined Benefit Plan_2

Note 5 - Defined Benefit Plan (Details Textual) $ in Thousands	6 Months Ended
	Jun. 30, 2022 USD ($)
Defined Benefit Plan, Plan Assets, Contributions by Employer	$ 0

Note 5 - Defined Benefit Plan -

Note 5 - Defined Benefit Plan - Defined Benefit Plan Activity (Details) - Pension Plan [Member] - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Service cost	$ 324	$ 361	$ 648	$ 722
Interest cost	204	184	408	368
Expected return on plan assets	(629)	(555)	(1,258)	(1,110)
Amortization of prior service cost	0	(3)	0	(6)
Recognized net actuarial loss	110	208	220	416
Net periodic benefit cost	$ 9	$ 195	$ 18	$ 390

Note 6 - Fair Value Measureme_3

Note 6 - Fair Value Measurements (Details Textual) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Loans Held-for-sale [Member] | Changes Measurement [Member] | Fair Value, Nonrecurring [Member]
Assets, Fair Value Adjustment	$ 0	$ 0

Note 6 - Fair Value Measureme_4

Note 6 - Fair Value Measurements - Assets and Liabilities at Fair Value on Recurring Basis (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Securities available for sale	$ 682,251	$ 686,080
Securities available for sale	682,251	686,080
Fair Value, Inputs, Level 1 [Member]
Securities available for sale	0	0
Securities available for sale	0	0
Fair Value, Inputs, Level 2 [Member]
Securities available for sale	682,251	686,080
Securities available for sale	682,251	686,080
Fair Value, Inputs, Level 3 [Member]
Securities available for sale	0	0
Securities available for sale	0	0
US Treasury Securities [Member]
Securities available for sale	955
Securities available for sale	955
US Treasury Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale
Securities available for sale
US Treasury Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	955
Securities available for sale	955
US Treasury Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale
Securities available for sale
US Government Agencies Debt Securities [Member]
Securities available for sale	334,421	278,019
Securities available for sale	334,421	278,019
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale	0	0
Securities available for sale	0	0
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	334,421	278,019
Securities available for sale	334,421	278,019
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale	0	0
Securities available for sale	0	0
US States and Political Subdivisions Debt Securities [Member]
Securities available for sale	163,781	198,672
Securities available for sale	163,781	198,672
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale	0	0
Securities available for sale	0	0
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	163,781	198,672
Securities available for sale	163,781	198,672
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale	0	0
Securities available for sale	0	0
Collateralized Mortgage-Backed Securities [Member]
Securities available for sale	177,180	206,174
Securities available for sale	177,180	206,174
Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale	0	0
Securities available for sale	0	0
Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	177,180	206,174
Securities available for sale	177,180	206,174
Collateralized Mortgage-Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale	0	0
Securities available for sale	0	0
Corporate Debt Securities [Member]
Securities available for sale	5,914	3,215
Securities available for sale	5,914	3,215
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale	0	0
Securities available for sale	0	0
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	5,914	3,215
Securities available for sale	5,914	3,215
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale	0	0
Securities available for sale	$ 0	$ 0

Note 6 - Fair Value Measureme_5

Note 6 - Fair Value Measurements - Impaired Loans and Other Real Estate Owned Measured at Fair Value on Nonrecurring Basis (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Other real estate owned net of valuation allowance	$ 957	$ 957
Fair Value, Inputs, Level 1 [Member]
Other real estate owned net of valuation allowance	0	0
Fair Value, Inputs, Level 2 [Member]
Other real estate owned net of valuation allowance	0	0
Fair Value, Inputs, Level 3 [Member]
Other real estate owned net of valuation allowance	$ 957	$ 957

Note 6 - Fair Value Measureme_6

Note 6 - Fair Value Measurements - Level 3 Fair Value Measurements (Details)	Jun. 30, 2022	Dec. 31, 2021
Measurement Input, Cost to Sell [Member] | Valuation, Market Approach [Member]
OREO	0.0620	0.0620

Note 6 - Fair Value Measureme_7

Note 6 - Fair Value Measurements - Financial Instruments (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Securities available for sale	$ 682,251	$ 686,080
Fair Value, Inputs, Level 1 [Member]
Securities available for sale	0	0
Fair Value, Inputs, Level 2 [Member]
Securities available for sale	682,251	686,080
Fair Value, Inputs, Level 3 [Member]
Securities available for sale	0	0
Reported Value Measurement [Member]
Cash and due from banks	11,798	8,768
Interest-bearing deposits	95,812	130,021
Securities available for sale	682,251	686,080
Restricted securities	941	845
Loans held for sale	488	615
Loans, net	840,745	795,574
Accrued interest receivable	5,506	5,104
Bank-owned life insurance	42,833	42,354
Deposits	1,577,831	1,494,587
Accrued interest payable	46	48
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and due from banks	11,798	8,768
Interest-bearing deposits	95,812	130,021
Securities available for sale	0	0
Restricted securities	0	0
Loans held for sale	0	0
Loans, net	0	0
Accrued interest receivable	0	0
Bank-owned life insurance	0	0
Deposits	0	0
Accrued interest payable	0	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Cash and due from banks	0	0
Interest-bearing deposits	0	0
Securities available for sale	682,251	686,080
Restricted securities	941	845
Loans held for sale	488	615
Loans, net	0	0
Accrued interest receivable	5,506	5,104
Bank-owned life insurance	42,833	42,354
Deposits	1,496,866	1,415,619
Accrued interest payable	46	48
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Cash and due from banks	0	0
Interest-bearing deposits	0	0
Securities available for sale	0	0
Restricted securities	0	0
Loans held for sale	0	0
Loans, net	797,363	791,335
Accrued interest receivable	0	0
Bank-owned life insurance	0	0
Deposits	73,452	79,115
Accrued interest payable	$ 0	$ 0

Note 7 - Components of Accumu_3

Note 7 - Components of Accumulated Other Comprehensive Loss - Components of Accumulated Other Comprehensive Income (Loss) (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Balances	$ 161,289	$ 189,069	$ 191,751	$ 200,607
Unrealized holding gain on available for sale securities, net of tax			(58,719)
Reclassification adjustment, net of tax				(4)
Balances	136,240	191,235	136,240	191,235
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member]
Balances	(30,972)	854	2,854	13,167
Unrealized holding gain on available for sale securities, net of tax	(24,893)	7,235		(5,074)
Balances	(55,865)	8,089	(55,865)	8,089
Accumulated Defined Benefit Plans Adjustment Attributable to Parent [Member]
Balances	(6,912)	(10,147)	(6,912)	(10,147)
Balances	(6,912)	(10,147)	(6,912)	(10,147)
AOCI Attributable to Parent [Member]
Balances	(37,884)	(9,293)	(4,058)	3,020
Unrealized holding gain on available for sale securities, net of tax	(24,893)	7,235		(5,074)
Balances	$ (62,777)	$ (2,058)	$ (62,777)	$ (2,058)

Note 7 - Components of Accumu_4

Note 7 - Components of Accumulated Other Comprehensive Loss - Components of Accumulated Other Comprehensive Income (Loss) (Details) (Parentheticals) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Unrealized holding gain (loss) on available for sale securities, tax		$ 1,922	$ (15,609)
Reclassification adjustment for gain included in net income, taxes				$ (1)
AOCI, Accumulated Gain (Loss), Debt Securities, Available-for-Sale, Parent [Member]
Unrealized holding gain (loss) on available for sale securities, tax	$ (6,617)			(1,349)
AOCI Attributable to Parent [Member]
Unrealized holding gain (loss) on available for sale securities, tax	$ (6,617)			$ (1,349)

Note 8 - Revenue Recognition -

Note 8 - Revenue Recognition - Noninterest Income (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Noninterest Income (in-scope of Topic 606)	$ 1,769	$ 1,568	$ 3,476	$ 3,326
Noninterest Income (out-of-scope of Topic 606)	343	373	927	949
Total noninterest income	2,112	1,941	4,403	4,275
Deposit Account [Member]
Noninterest Income (in-scope of Topic 606)	603	471	1,165	940
Product and Service, Other [Member]
Noninterest Income (in-scope of Topic 606)	51	43	106	84
Credit and Debit Card [Member]
Noninterest Income (in-scope of Topic 606)	535	479	975	913
Fiduciary and Trust [Member]
Noninterest Income (in-scope of Topic 606)	439	434	882	849
Insurance and Investment [Member]
Noninterest Income (in-scope of Topic 606)	$ 141	$ 141	$ 348	$ 540

Note 9 - Leases - Lease Informa

Note 9 - Leases - Lease Information and Expenses (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Weighted average remaining lease term (years) (Year)	5 years 9 months 29 days		5 years 9 months 29 days		6 years 3 months 29 days
Weighted average discount rate	3.20%		3.20%		3.21%
Operating lease expense	$ 78	$ 94	$ 154	$ 187
Short-term lease expense	0	0	1	1
Total lease expense	78	94	155	188
Cash paid for amounts included in lease liabilities	78	92	156	184
Right-of-use assets obtained in exchange for operating lease liabilities commencing during the period	0	$ 0	25	$ 0
Other Liabilities [Member]
Lease liability	1,453		1,453		$ 1,558
Other Assets [Member]
Right-of-use asset	$ 1,427		$ 1,427		$ 1,532

Note 9 - Leases - Lease Liabili

Note 9 - Leases - Lease Liability Maturity Schedule (Details) - USD ($) $ in Thousands	Jun. 30, 2022	Dec. 31, 2021
Twelve months ending June 30, 2023	$ 307
Twelve months ending June 30, 2024	295
Twelve months ending June 30, 2025	282
Twelve months ending June 30, 2026	219
Twelve months ending June 30, 2027	195
Thereafter	299
Total undiscounted cash flows	1,597
Less: discount	(144)
Other Liabilities [Member]
Lease liability	$ 1,453	$ 1,558