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Note 3 - Loans and Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2020
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
(Dollars in thousands) |  |  |  |  |  |  |  |
|  | 2020 |  |  | 2019 |
Agricultural |  | $ | 53,735 |  |  | $ | 57,339 |
Commercial and industrial |  |  | 303,527 |  |  |  | 148,083 |
Consumer |  |  | 34,014 |  |  |  | 38,854 |
Real estate - commercial |  |  | 469,247 |  |  |  | 326,379 |
Real estate - construction |  |  | 16,639 |  |  |  | 13,411 |
Real estate - residential |  |  | 192,506 |  |  |  | 217,982 |
Loans, gross |  | $ | 1,069,668 |  |  | $ | 802,048 |
Allowance for Loan Losses |  |  | (7,593 | ) |  |  | (4,057 | )
Loans, net |  | $ | 1,062,075 |  |  | $ | 797,991 |
Business Acquisition, Pro Forma Information, Nonrecurring Adjustments [Table Text Block] |
(Dollars in thousands) |  | Acquired |  |  | Acquired |  |  |  |
|  | Impaired |  |  | Non-impaired |  |  | Total |
Loans acquired - contractual payments |  | $ | 7,729 |  |  | $ | 387,394 |  |  | $ | 395,123 |
Nonaccretable difference |  |  | (2,928 | ) |  |  | - |  |  |  | (2,928 | )
Expected cash flows |  |  | 4,801 |  |  |  | 387,394 |  |  |  | 392,195 |
Accretable yield |  |  | (185 | ) |  |  | (1,894 | ) |  |  | (2,079 | )
Carrying balance at acquisition date |  | $ | 4,616 |  |  | $ | 385,500 |  |  | $ | 390,116 |
(Dollars in thousands) |  | Acquired |  |  | Acquired |  |  |  |
|  | Impaired |  |  | Non-impaired |  |  | Total |
Balance, January 1, 2019 |  | $ | - |  |  | $ | - |  |  | $ | - |
Merger with County Bank Corp on October 1, 2019 |  |  | 185 |  |  |  | 1,894 |  |  |  | 2,079 |
Accretion October 1, 2019 through December 31, 2019 |  |  | - |  |  |  | (75 | ) |  |  | (75 | )
Balance, January 1, 2020 |  |  | 185 |  |  |  | 1,819 |  |  |  | 2,004 |
Accretion January 1, 2020 through December 31, 2020 |  |  | (50 | ) |  |  | (295 | ) |  |  | (345 | )
Balance, December 31, 2020 |  | $ | 135 |  |  | $ | 1,524 |  |  | $ | 1,659 |
(Dollars in thousands) |  | Acquired |  |  | Acquired |  |  |  |
|  | Impaired |  |  | Non-impaired |  |  | Total |
Loans acquired - contractual payments |  | $ | 20,491 |  |  | $ | 158,495 |  |  | $ | 178,986 |
Nonaccretable difference |  |  | (3,547 | ) |  |  | - |  |  |  | (3,547 | )
Expected cash flows |  |  | 16,944 |  |  |  | 158,495 |  |  |  | 175,439 |
Accretable yield |  |  | (869 | ) |  |  | (596 | ) |  |  | (1,465 | )
Carrying balance at acquisition date |  | $ | 16,075 |  |  | $ | 157,899 |  |  | $ | 173,974 |
(Dollars in thousands) |  | Acquired |  |  | Acquired |  |  |  |
|  | Impaired |  |  | Non-impaired |  |  | Total |
Balance, January 1, 2020 |  | $ | - |  |  | $ | - |  |  | $ | - |
Merger with Community Shores Bank Corporation on July 1, 2020 |  |  | 869 |  |  |  | 596 |  |  |  | 1,465 |
Accretion July 1, 2020 through December 31, 2020 |  |  | (26 | ) |  |  | (141 | ) |  |  | (167 | )
Balance, December 31, 2020 |  | $ | 843 |  |  | $ | 455 |  |  | $ | 1,298 |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  |  |  |  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  | and |  |  |  |  |  |  | Commercial |  |  | Construction |  |  | Residential |  |  |  |  |  |  |  |  |
|  | Agricultural |  |  | Industrial |  |  | Consumer |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Unallocated |  |  | Total |
Allowance for Loan Losses Year Ended December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 471 |  |  | $ | 655 |  |  | $ | 270 |  |  | $ | 1,663 |  |  | $ | 76 |  |  | $ | 640 |  |  | $ | 282 |  |  | $ | 4,057 |
Charge-offs |  |  | (15 | ) |  |  | (148 | ) |  |  | (329 | ) |  |  | (254 | ) |  |  | — |  |  |  | (8 | ) |  |  | — |  |  |  | (754 | )
Recoveries |  |  | — |  |  |  | 57 |  |  |  | 204 |  |  |  | 10 |  |  |  | — |  |  |  | 19 |  |  |  | — |  |  |  | 290 |
Provision |  |  | (199 | ) |  |  | 763 |  |  |  | 172 |  |  |  | 2,759 |  |  |  | 21 |  |  |  | 649 |  |  |  | (165 | ) |  |  | 4,000 |
Ending balance |  | $ | 257 |  |  | $ | 1,327 |  |  | $ | 317 |  |  | $ | 4,178 |  |  | $ | 97 |  |  | $ | 1,300 |  |  | $ | 117 |  |  | $ | 7,593 |
Individually evaluated for impairment |  | $ | — |  |  | $ | 19 |  |  | $ | 1 |  |  | $ | 157 |  |  | $ | — |  |  | $ | 254 |  |  | $ | — |  |  | $ | 431 |
Collectively evaluated for impairment |  | $ | 257 |  |  | $ | 1,308 |  |  | $ | 316 |  |  | $ | 4,021 |  |  | $ | 97 |  |  | $ | 1,046 |  |  | $ | 117 |  |  | $ | 7,162 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 348 |  |  | $ | 1,663 |  |  | $ | 8 |  |  | $ | 3,032 |  |  | $ | 80 |  |  | $ | 2,720 |  |  |  |  |  |  | $ | 7,851 |
Collectively evaluated for impairment |  |  | 53,387 |  |  |  | 295,154 |  |  |  | 33,982 |  |  |  | 453,681 |  |  |  | 16,559 |  |  |  | 186,982 |  |  |  |  |  |  |  | 1,039,745 |
Acquired with deteriorated credit quality |  |  | — |  |  |  | 6,710 |  |  |  | 24 |  |  |  | 12,534 |  |  |  | — |  |  |  | 2,804 |  |  |  |  |  |  |  | 22,072 |
Ending balance |  | $ | 53,735 |  |  | $ | 303,527 |  |  | $ | 34,014 |  |  | $ | 469,247 |  |  | $ | 16,639 |  |  | $ | 192,506 |  |  |  |  |  |  | $ | 1,069,668 |
|  |  |  |  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  | and |  |  |  |  |  |  | Commercial |  |  | Construction |  |  | Residential |  |  |  |  |  |  |  |  |
|  | Agricultural |  |  | Industrial |  |  | Consumer |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Unallocated |  |  | Total |
Allowance for Loan Losses Year Ended December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 481 |  |  | $ | 892 |  |  | $ | 254 |  |  | $ | 1,926 |  |  | $ | 38 |  |  | $ | 537 |  |  | $ | 545 |  |  | $ | 4,673 |
Charge-offs |  |  | - |  |  |  | (83 | ) |  |  | (292 | ) |  |  | (589 | ) |  |  | - |  |  |  | (25 | ) |  |  | - |  |  |  | (989 | )
Recoveries |  |  | 65 |  |  |  | 22 |  |  |  | 136 |  |  |  | 26 |  |  |  | - |  |  |  | 124 |  |  |  | - |  |  |  | 373 |
Provision |  |  | (75 | ) |  |  | (176 | ) |  |  | 172 |  |  |  | 300 |  |  |  | 38 |  |  |  | 4 |  |  |  | (263 | ) |  |  | - |
Ending balance |  | $ | 471 |  |  | $ | 655 |  |  | $ | 270 |  |  | $ | 1,663 |  |  | $ | 76 |  |  | $ | 640 |  |  | $ | 282 |  |  | $ | 4,057 |
Individually evaluated for impairment |  | $ | 103 |  |  | $ | - |  |  | $ | 4 |  |  | $ | 13 |  |  | $ | - |  |  | $ | 235 |  |  | $ | - |  |  | $ | 355 |
Collectively evaluated for impairment |  | $ | 368 |  |  | $ | 655 |  |  | $ | 266 |  |  | $ | 1,650 |  |  | $ | 76 |  |  | $ | 405 |  |  | $ | 282 |  |  | $ | 3,702 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 924 |  |  | $ | 259 |  |  | $ | 17 |  |  | $ | 2,288 |  |  | $ | - |  |  | $ | 2,434 |  |  |  |  |  |  | $ | 5,922 |
Collectively evaluated for impairment |  |  | 56,415 |  |  |  | 141,583 |  |  |  | 38,524 |  |  |  | 323,358 |  |  |  | 13,411 |  |  |  | 215,106 |  |  |  |  |  |  |  | 788,397 |
Acquired with deteriorated credit quality |  |  | - |  |  |  | 6,241 |  |  |  | 313 |  |  |  | 733 |  |  |  | - |  |  |  | 442 |  |  |  |  |  |  |  | 7,729 |
Ending balance |  | $ | 57,339 |  |  | $ | 148,083 |  |  | $ | 38,854 |  |  | $ | 326,379 |  |  | $ | 13,411 |  |  | $ | 217,982 |  |  |  |  |  |  | $ | 802,048 |
|  |  |  |  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  |  | and |  |  |  |  |  |  | Commercial |  |  | Construction |  |  | Residential |  |  |  |  |  |  |  |  |
|  | Agricultural |  |  | Industrial |  |  | Consumer |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Unallocated |  |  | Total |
Allowance for Loan Losses Year Ended December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 506 |  |  | $ | 1,001 |  |  | $ | 262 |  |  | $ | 1,761 |  |  | $ | 35 |  |  | $ | 726 |  |  | $ | 286 |  |  | $ | 4,577 |
Charge-offs |  |  | - |  |  |  | (58 | ) |  |  | (282 | ) |  |  | - |  |  |  | - |  |  |  | (25 | ) |  |  | - |  |  |  | (365 | )
Recoveries |  |  | 33 |  |  |  | 107 |  |  |  | 112 |  |  |  | 61 |  |  |  | - |  |  |  | 113 |  |  |  | - |  |  |  | 426 |
Provision |  |  | (58 | ) |  |  | (158 | ) |  |  | 162 |  |  |  | 104 |  |  |  | 3 |  |  |  | (277 | ) |  |  | 259 |  |  |  | 35 |
Ending balance |  | $ | 481 |  |  | $ | 892 |  |  | $ | 254 |  |  | $ | 1,926 |  |  | $ | 38 |  |  | $ | 537 |  |  | $ | 545 |  |  | $ | 4,673 |
Individually evaluated for impairment |  | $ | 94 |  |  | $ | 3 |  |  | $ | 13 |  |  | $ | 20 |  |  | $ | - |  |  | $ | 167 |  |  | $ | - |  |  | $ | 297 |
Collectively evaluated for impairment |  | $ | 387 |  |  | $ | 889 |  |  | $ | 241 |  |  | $ | 1,906 |  |  | $ | 38 |  |  | $ | 370 |  |  | $ | 545 |  |  | $ | 4,376 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 578 |  |  | $ | 21 |  |  | $ | 90 |  |  | $ | 623 |  |  | $ | - |  |  | $ | 2,712 |  |  |  |  |  |  | $ | 4,024 |
Collectively evaluated for impairment |  |  | 48,531 |  |  |  | 91,385 |  |  |  | 24,292 |  |  |  | 138,830 |  |  |  | 8,843 |  |  |  | 93,168 |  |  |  |  |  |  |  | 405,049 |
Ending balance |  | $ | 49,109 |  |  | $ | 91,406 |  |  | $ | 24,382 |  |  | $ | 139,453 |  |  | $ | 8,843 |  |  | $ | 95,880 |  |  |  |  |  |  | $ | 409,073 |
Financing Receivable Credit Quality Indicators [Table Text Block] |
(Dollars in thousands) |  | Agricultural |  |  | Commercial and Industrial |  |  | Commercial Real Estate |
|  | December 31, |  |  | December 31, |  |  | December 31, |  |  | December 31, |  |  | December 31, |  |  | December 31, |
|  | 2020 |  |  | 2019 |  |  | 2020 |  |  | 2019 |  |  | 2020 |  |  | 2019 |
Pass |  | $ | 50,185 |  |  | $ | 55,866 |  |  | $ | 294,614 |  |  | $ | 146,728 |  |  | $ | 453,080 |  |  | $ | 322,105 |
Special Mention |  |  | 3,202 |  |  |  | 1,094 |  |  |  | 4,101 |  |  |  | 1,081 |  |  |  | 6,006 |  |  |  | 1,332 |
Substandard |  |  | 348 |  |  |  | 379 |  |  |  | 4,812 |  |  |  | 274 |  |  |  | 8,925 |  |  |  | 2,942 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,236 |  |  |  | - |
|  | $ | 53,735 |  |  | $ | 57,339 |  |  | $ | 303,527 |  |  | $ | 148,083 |  |  | $ | 469,247 |  |  | $ | 326,379 |
(Dollars in thousands) |  | Consumer |  |  | Construction Real Estate |  |  | Residential Real Estate |
|  | December 31, |  |  | December 31, |  |  | December 31, |  |  | December 31, |  |  | December 31, |  |  | December 31, |
|  | 2020 |  |  | 2019 |  |  | 2020 |  |  | 2019 |  |  | 2020 |  |  | 2019 |
Performing |  | $ | 34,006 |  |  | $ | 38,838 |  |  | $ | 16,559 |  |  | $ | 13,411 |  |  | $ | 191,125 |  |  | $ | 216,651 |
Nonperforming |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Nonaccrual |  |  | 8 |  |  |  | 16 |  |  |  | 80 |  |  |  | - |  |  |  | 1,381 |  |  |  | 1,331 |
|  | $ | 34,014 |  |  | $ | 38,854 |  |  | $ | 16,639 |  |  | $ | 13,411 |  |  | $ | 192,506 |  |  | $ | 217,982 |
Financing Receivable, Troubled Debt Restructuring [Table Text Block] |
|  | Year Ended December 31, 2020 |
|  |  |  |  |  | Pre- |  |  | Post- |
|  |  |  |  |  | Modification |  |  | Modification |
|  |  |  |  |  | Outstanding |  |  | Outstanding |
(Dollars in thousands) |  | Number of |  |  | Recorded |  |  | Recorded |
|  | Loans |  |  | Investment |  |  | Investment |
Agricultural |  |  | 1 |  |  | $ | 62 |  |  | $ | 62 |
Commercial and Industrial |  |  | 1 |  |  |  | 53 |  |  |  | 53 |
Commercial Real Estate |  |  | 3 |  |  |  | 1,852 |  |  |  | 1,852 |
Total |  |  | 5 |  |  | $ | 1,967 |  |  | $ | 1,967 |
|  | Year Ended |
|  | December 31, 2020 |
(Dollars in thousands) |  | Number |  |  | Recorded |
|  | of Loans |  |  | Investment |
Commercial Real Estate |  |  | 2 |  |  | $ | 1,666 |
Total |  |  | 2 |  |  | $ | 1,666 |
Impaired Financing Receivables [Table Text Block] |
|  |  |  |  |  | Unpaid |  |  |  |  |  |  | Average |  |  | Interest |
(Dollars in thousands) |  | Recorded |  |  | Principal |  |  | Related |  |  | Recorded |  |  | Income |
|  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | 348 |  |  | $ | 434 |  |  | $ | - |  |  | $ | 329 |  |  | $ | - |
Commercial and industrial |  |  | 1,516 |  |  |  | 1,629 |  |  |  | - |  |  |  | 464 |  |  |  | 2 |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1 |  |  |  | - |
Construction real estate |  |  | 80 |  |  |  | 80 |  |  |  | - |  |  |  | 16 |  |  |  | - |
Commercial real estate |  |  | 1,852 |  |  |  | 2,664 |  |  |  | - |  |  |  | 1,495 |  |  |  | 14 |
Residential real estate |  |  | 162 |  |  |  | 162 |  |  |  | - |  |  |  | 99 |  |  |  | 3 |
Subtotal |  |  | 3,958 |  |  |  | 4,969 |  |  |  | - |  |  |  | 2,404 |  |  |  | 19 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 152 |  |  |  | - |
Commercial and industrial |  |  | 147 |  |  |  | 147 |  |  |  | 19 |  |  |  | 111 |  |  |  | 12 |
Consumer |  |  | 8 |  |  |  | 8 |  |  |  | 1 |  |  |  | 16 |  |  |  | - |
Construction real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 1,180 |  |  |  | 1,180 |  |  |  | 157 |  |  |  | 897 |  |  |  | 35 |
Residential real estate |  |  | 2,558 |  |  |  | 2,651 |  |  |  | 254 |  |  |  | 2,330 |  |  |  | 87 |
Subtotal |  |  | 3,893 |  |  |  | 3,986 |  |  |  | 431 |  |  |  | 3,506 |  |  |  | 134 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 348 |  |  |  | 434 |  |  |  | - |  |  |  | 481 |  |  |  | - |
Commercial and industrial |  |  | 1,663 |  |  |  | 1,776 |  |  |  | 19 |  |  |  | 575 |  |  |  | 14 |
Consumer |  |  | 8 |  |  |  | 8 |  |  |  | 1 |  |  |  | 17 |  |  |  | - |
Construction real estate |  |  | 80 |  |  |  | 80 |  |  |  | - |  |  |  | 16 |  |  |  | - |
Commercial real estate |  |  | 3,032 |  |  |  | 3,844 |  |  |  | 157 |  |  |  | 2,392 |  |  |  | 49 |
Residential real estate |  |  | 2,720 |  |  |  | 2,813 |  |  |  | 254 |  |  |  | 2,429 |  |  |  | 90 |
Total |  | $ | 7,851 |  |  | $ | 8,955 |  |  | $ | 431 |  |  | $ | 5,910 |  |  | $ | 153 |
|  |  |  |  |  | Unpaid |  |  |  |  |  |  | Average |  |  | Interest |
(Dollars in thousands) |  | Recorded |  |  | Principal |  |  | Related |  |  | Recorded |  |  | Income |
|  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | 545 |  |  | $ | 545 |  |  | $ | - |  |  | $ | 146 |  |  | $ | 10 |
Commercial and industrial |  |  | 259 |  |  |  | 340 |  |  |  | - |  |  |  | 104 |  |  |  | 9 |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Construction real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 1,882 |  |  |  | 2,471 |  |  |  | - |  |  |  | 782 |  |  |  | 30 |
Residential real estate |  |  | 42 |  |  |  | 42 |  |  |  | - |  |  |  | 133 |  |  |  | 4 |
Subtotal |  |  | 2,728 |  |  |  | 3,398 |  |  |  | - |  |  |  | 1,165 |  |  |  | 53 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 379 |  |  |  | 439 |  |  |  | 103 |  |  |  | 388 |  |  |  | - |
Commercial and industrial |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 86 |  |  |  | 1 |
Consumer |  |  | 17 |  |  |  | 18 |  |  |  | 4 |  |  |  | 48 |  |  |  | - |
Construction real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 406 |  |  |  | 406 |  |  |  | 13 |  |  |  | 975 |  |  |  | 32 |
Residential real estate |  |  | 2,392 |  |  |  | 2,460 |  |  |  | 235 |  |  |  | 2,486 |  |  |  | 83 |
Subtotal |  |  | 3,194 |  |  |  | 3,323 |  |  |  | 355 |  |  |  | 3,983 |  |  |  | 116 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 924 |  |  |  | 984 |  |  |  | 103 |  |  |  | 534 |  |  |  | 10 |
Commercial and industrial |  |  | 259 |  |  |  | 340 |  |  |  | - |  |  |  | 190 |  |  |  | 10 |
Consumer |  |  | 17 |  |  |  | 18 |  |  |  | 4 |  |  |  | 48 |  |  |  | - |
Construction real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 2,288 |  |  |  | 2,877 |  |  |  | 13 |  |  |  | 1,757 |  |  |  | 62 |
Residential real estate |  |  | 2,434 |  |  |  | 2,502 |  |  |  | 235 |  |  |  | 2,619 |  |  |  | 87 |
Total |  | $ | 5,922 |  |  | $ | 6,721 |  |  | $ | 355 |  |  | $ | 5,148 |  |  | $ | 169 |
|  |  |  |  |  | Unpaid |  |  |  |  |  |  | Average |  |  | Interest |
(Dollars in thousands) |  | Recorded |  |  | Principal |  |  | Related |  |  | Recorded |  |  | Income |
|  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | 185 |  |  | $ | 185 |  |  | $ | - |  |  | $ | 291 |  |  | $ | - |
Commercial and industrial |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 29 |  |  |  | 2 |
Consumer |  |  | 1 |  |  |  | 1 |  |  |  | - |  |  |  | 2 |  |  |  | 8 |
Construction real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 54 |  |  |  | - |
Commercial real estate |  |  | 74 |  |  |  | 109 |  |  |  | - |  |  |  | 78 |  |  |  | 30 |
Residential real estate |  |  | 250 |  |  |  | 261 |  |  |  | - |  |  |  | 177 |  |  |  | 114 |
Subtotal |  |  | 510 |  |  |  | 556 |  |  |  | - |  |  |  | 631 |  |  |  | 154 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 393 |  |  |  | 440 |  |  |  | 94 |  |  |  | 161 |  |  |  | 13 |
Commercial and industrial |  |  | 21 |  |  |  | 21 |  |  |  | 3 |  |  |  | 296 |  |  |  | - |
Consumer |  |  | 88 |  |  |  | 88 |  |  |  | 13 |  |  |  | 59 |  |  |  | - |
Construction real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 550 |  |  |  | 609 |  |  |  | 20 |  |  |  | 692 |  |  |  | - |
Residential real estate |  |  | 2,462 |  |  |  | 2,494 |  |  |  | 167 |  |  |  | 2,523 |  |  |  | 6 |
Subtotal |  |  | 3,514 |  |  |  | 3,652 |  |  |  | 297 |  |  |  | 3,731 |  |  |  | 19 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 578 |  |  |  | 625 |  |  |  | 94 |  |  |  | 452 |  |  |  | 13 |
Commercial and industrial |  |  | 21 |  |  |  | 21 |  |  |  | 3 |  |  |  | 325 |  |  |  | 2 |
Consumer |  |  | 90 |  |  |  | 90 |  |  |  | 13 |  |  |  | 61 |  |  |  | 8 |
Construction real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 54 |  |  |  | - |
Commercial real estate |  |  | 623 |  |  |  | 718 |  |  |  | 20 |  |  |  | 770 |  |  |  | 30 |
Residential real estate |  |  | 2,712 |  |  |  | 2,755 |  |  |  | 167 |  |  |  | 2,700 |  |  |  | 120 |
Total |  | $ | 4,024 |  |  | $ | 4,209 |  |  | $ | 297 |  |  | $ | 4,362 |  |  | $ | 173 |
Financing Receivable, Past Due [Table Text Block] |
|  |  |  |  |  |  |  |  |  | Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Loans |  |  | Loans |  |  | Past Due |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Loans |
|  | Past Due |  |  | Past Due |  |  | Greater |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90 Days Past |
(Dollars in thousands) |  | 30 to 59 |  |  | 60 to 89 |  |  | Than 90 |  |  |  |  |  |  | Loans Not |  |  | Total |  |  | Due and |
|  | Days (1) |  |  | Days (1) |  |  | Days (1) |  |  | Total (1) |  |  | Past Due |  |  | Loans |  |  | Accruing |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 53,735 |  |  | $ | 53,735 |  |  | $ | - |
Commercial and industrial |  |  | - |  |  |  | 109 |  |  |  | 515 |  |  |  | 624 |  |  |  | 302,903 |  |  |  | 303,527 |  |  |  | - |
Consumer |  |  | 39 |  |  |  | - |  |  |  | - |  |  |  | 39 |  |  |  | 33,975 |  |  |  | 34,014 |  |  |  | - |
Commercial real estate |  |  | 532 |  |  |  | 44 |  |  |  | 1,744 |  |  |  | 2,320 |  |  |  | 466,927 |  |  |  | 469,247 |  |  |  | - |
Construction real estate |  |  | 1,076 |  |  |  | 180 |  |  |  | 80 |  |  |  | 1,336 |  |  |  | 15,303 |  |  |  | 16,639 |  |  |  | - |
Residential real estate |  |  | 1,563 |  |  |  | 256 |  |  |  | 352 |  |  |  | 2,171 |  |  |  | 190,335 |  |  |  | 192,506 |  |  |  | - |
|  | $ | 3,210 |  |  | $ | 589 |  |  | $ | 2,691 |  |  | $ | 6,490 |  |  | $ | 1,063,178 |  |  | $ | 1,069,668 |  |  | $ | - |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | - |  |  | $ | 68 |  |  | $ | - |  |  | $ | 68 |  |  | $ | 57,271 |  |  | $ | 57,339 |  |  | $ | - |
Commercial and industrial |  |  | 542 |  |  |  | 15 |  |  |  | 259 |  |  |  | 816 |  |  |  | 147,267 |  |  |  | 148,083 |  |  |  | - |
Consumer |  |  | 121 |  |  |  | 19 |  |  |  | 11 |  |  |  | 151 |  |  |  | 38,703 |  |  |  | 38,854 |  |  |  | - |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | 1,882 |  |  |  | 1,882 |  |  |  | 324,497 |  |  |  | 326,379 |  |  |  | - |
Construction real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 13,411 |  |  |  | 13,411 |  |  |  | - |
Residential real estate |  |  | 2,466 |  |  |  | 582 |  |  |  | 393 |  |  |  | 3,441 |  |  |  | 214,541 |  |  |  | 217,982 |  |  |  | - |
|  | $ | 3,129 |  |  | $ | 684 |  |  | $ | 2,545 |  |  | $ | 6,358 |  |  | $ | 795,690 |  |  | $ | 802,048 |  |  | $ | - |
Financing Receivable, Nonaccrual [Table Text Block] |
(Dollars in thousands) |  |  |  |  |  |
|  | 2020 |  |  | 2019 |
Agricultural |  | $ | 348 |  |  | $ | 379 |
Commercial and industrial |  |  | 1,802 |  |  |  | 776 |
Consumer |  |  | 8 |  |  |  | 16 |
Commercial real estate |  |  | 3,088 |  |  |  | 2,185 |
Construction real estate |  |  | 80 |  |  |  | - |
Residential real estate |  |  | 1,381 |  |  |  | 1,331 |
|  | $ | 6,707 |  |  | $ | 4,687 |

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