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Note 4 - Loans (Tables)

12 Months Ended

Dec. 31, 2015

Receivables [Abstract]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

		2015				2014
Commercial and Agricultural
Commercial		$	47,781,689			$	50,960,265
Agricultural			19,193,497				16,689,444
Real Estate
Commercial Construction			40,106,633				51,258,970
Residential Construction			9,413,263				11,220,683
Commercial			346,262,033				332,230,847
Residential			197,002,419				203,752,620
Farmland			61,779,859				49,950,984
Consumer and Other
Consumer			20,605,465				22,820,314
Other			16,490,737				7,209,682
Total Loans		$	758,635,595			$	746,093,809

Financing Receivable Credit Quality Indicators [Table Text Block]

2015		Pass				Special Mention				Substandard				Total Loans
Commercial and Agricultural
Commercial		$	44,273,407			$	1,927,198			$	1,581,084			$	47,781,689
Agricultural			18,970,328				17,843				205,326				19,193,497
Real Estate
Commercial Construction			36,516,165				912,295				2,678,173				40,106,633
Residential Construction			9,413,263				-				-				9,413,263
Commercial			320,566,237				13,652,416				12,043,380				346,262,033
Residential			177,054,188				8,545,942				11,402,289				197,002,419
Farmland			56,798,365				929,814				4,051,680				61,779,859
Consumer and Other
Consumer			20,037,996				156,739				410,730				20,605,465
Other			16,465,593				636				24,508				16,490,737
Total Loans		$	700,095,542			$	26,142,883			$	32,397,170			$	758,635,595
2014
Commercial and Agricultural
Commercial		$	46,230,110			$	2,905,361			$	1,824,794			$	50,960,265
Agricultural			16,504,404				27,101				157,939				16,689,444
Real Estate
Commercial Construction			45,063,306				1,740,488				4,455,176				51,258,970
Residential Construction			11,220,683				-				-				11,220,683
Commercial			309,828,039				11,220,166				11,182,642				332,230,847
Residential			180,549,640				10,582,704				12,620,276				203,752,620
Farmland			47,548,106				414,521				1,988,357				49,950,984
Consumer and Other
Consumer			22,114,932				248,997				456,385				22,820,314
Other			7,012,405				-				197,277				7,209,682
Total Loans		$	686,071,625			$	27,139,338			$	32,882,846			$	746,093,809

Past Due Financing Receivables [Table Text Block]

		Accruing Loans
2015		30-89 Days Past Due				90 Days or More Past Due				Total Accruing Loans Past Due				Nonaccrual Loans				Current Loans				Total Loans
Commercial and Agricultural
Commercial		$	490,727			$	-			$	490,727			$	576,940			$	46,714,022			$	47,781,689
Agricultural			71,416				-				71,416				178,021				18,944,060				19,193,497
Real Estate
Commercial Construction			90,163				-				90,163				1,642,666				38,373,804				40,106,633
Residential Construction			-				-				-				-				9,413,263				9,413,263
Commercial			6,031,257				-				6,031,257				7,564,691				332,666,085				346,262,033
Residential			3,682,509				-				3,682,509				3,163,571				190,156,339				197,002,419
Farmland			122,696				-				122,696				1,103,354				60,553,809				61,779,859
Consumer and Other
Consumer			469,839				7,799				477,638				178,336				19,949,491				20,605,465
Other			636				-				636				100				16,490,001				16,490,737
Total Loans		$	10,959,243			$	7,799			$	10,967,042			$	14,407,679			$	733,260,874			$	758,635,595
2014
Commercial and Agricultural
Commercial		$	872,321			$	-			$	872,321			$	405,398			$	49,682,546			$	50,960,265
Agricultural			-				-				-				44,605				16,644,839				16,689,444
Real Estate
Commercial Construction			141,850				-				141,850				3,251,290				47,865,830				51,258,970
Residential Construction			-				-				-				-				11,220,683				11,220,683
Commercial			2,309,114				-				2,309,114				5,325,047				324,596,686				332,230,847
Residential			5,782,701				-				5,782,701				7,461,507				190,508,412				203,752,620
Farmland			281,967				-				281,967				1,449,226				48,219,791				49,950,984
Consumer and Other
Consumer			313,424				6,642				320,066				201,695				22,298,553				22,820,314
Other			-				-				-				195,497				7,014,185				7,209,682
Total Loans		$	9,701,377			$	6,642			$	9,708,019			$	18,334,265			$	718,051,525			$	746,093,809

Impaired Financing Receivables [Table Text Block]

		Unpaid Contractual Principal Balance				Impaired Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized				Interest Income Collected
With No Related Allowance Recorded
Commercial		$	454,423			$	454,013				-			$	534,814			$	17,259			$	21,253
Agricultural			195,654				178,021				-				163,078				(9,957	)			10,334
Commercial Construction			6,887,522				1,896,938				-				2,867,061				25,788				27,007
Commercial Real Estate			15,569,340				15,122,486				-				15,430,252				529,376				530,699
Residential Real Estate			5,429,121				4,575,547				-				4,715,162				175,484				159,148
Farmland			1,104,887				1,103,353				-				1,339,863				583				2,076
Consumer			179,908				178,435				-				190,566				13,745				14,907
Other			-				-				-				48,438				-				-
		$	29,820,855			$	23,508,793				-			$	25,289,234			$	752,278			$	765,424
With An Allowance Recorded
Commercial		$	122,928			$	122,928			$	94,538			$	99,749			$	2,275			$	2,438
Agricultural			-				-				-				-				-				-
Commercial Construction			76,644				76,644				25,344				92,200				375				375
Commercial Real Estate			8,969,329				8,955,503				1,607,962				6,673,087				213,693				208,657
Residential Real Estate			1,083,127				1,075,367				308,188				1,088,380				16,380				15,873
Farmland			387,968				387,969				37,386				391,060				20,880				20,954
Consumer			-				-				-				-				-				-
Other			-				-				-				-				-				-
		$	10,639,996			$	10,618,411			$	2,073,418			$	8,344,476			$	253,603			$	248,297
Total
Commercial		$	577,351			$	576,941			$	94,538			$	634,563			$	19,534			$	23,691
Agricultural			195,654				178,021				-				163,078				(9,957	)			10,334
Commercial Construction			6,964,166				1,973,582				25,344				2,959,261				26,163				27,382
Commercial Real Estate			24,538,669				24,077,989				1,607,962				22,103,339				743,069				739,356
Residential Real Estate			6,512,248				5,650,914				308,188				5,803,542				191,864				175,021
Farmland			1,492,855				1,491,322				37,386				1,730,923				21,463				23,030
Consumer			179,908				178,435				-				190,566				13,745				14,907
Other			-				-				-				48,438				-				-
		$	40,460,851			$	34,127,204			$	2,073,418			$	33,633,710			$	1,005,881			$	1,013,721

		Unpaid Contractual Principal Balance				Impaired Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized				Interest Income Collected
With No Related Allowance Recorded
Commercial		$	310,447			$	308,817			$	-			$	679,267			$	9,248			$	17,973
Agricultural			50,163				44,605				-				50,959				(6,029	)			3,000
Commercial Construction			9,573,141				3,463,502				-				3,376,033				13,111				12,833
Commercial Real Estate			17,129,876				16,227,379				-				18,350,015				462,355				474,936
Residential Real Estate			9,136,987				7,600,073				-				5,690,573				312,024				306,859
Farmland			1,450,759				1,449,226				-				949,003				(8,518	)			17,273
Consumer			201,695				201,695				-				211,775				14,455				15,495
Other			206,894				195,497				-				197,519				5,874				10,677
			38,059,962				29,490,794				-				29,505,144				802,520				859,046
With An Allowance Recorded
Commercial			96,580				96,580				96,580				419,464				(299	)			-
Agricultural			-				-				-				-				-				-
Commercial Construction			207,308				136,369				53,947				1,528,817				375				375
Commercial Real Estate			6,135,238				6,135,238				456,941				6,415,086				60,629				50,468
Residential Real Estate			2,072,919				2,065,158				414,684				1,829,102				84,177				86,472
Farmland			396,048				396,048				28,962				529,555				13,077				12,210
Consumer			-				-				-				-				-				-
Other			-				-				-				-				-				-
			8,908,093				8,829,393				1,051,114				10,722,024				157,959				149,525
Total
Commercial			407,027				405,397				96,580				1,098,731				8,949				17,973
Agricultural			50,163				44,605				-				50,959				(6,029	)			3,000
Commercial Construction			9,780,449				3,599,871				53,947				4,904,850				13,486				13,208
Commercial Real Estate			23,265,114				22,362,617				456,941				24,765,101				522,984				525,404
Residential Real Estate			11,209,906				9,665,231				414,684				7,519,675				396,201				393,331
Farmland			1,846,807				1,845,274				28,962				1,478,558				4,559				29,483
Consumer			201,695				201,695				-				211,775				14,455				15,495
Other			206,894				195,497				-				197,519				5,874				10,677
		$	46,968,055			$	38,320,187			$	1,051,114			$	40,227,168			$	960,479			$	1,008,571

		Unpaid Contractual Principal Balance				Impaired Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized				Interest Income Collected
With No Related Allowance Recorded
Commercial		$	305,272			$	305,272			$	-			$	216,057			$	24,494			$	25,193
Agricultural			-				-				-				9,803				-				-
Commercial Construction			7,856,411				4,750,157				-				4,105,370				34,908				41,164
Commercial Real Estate			20,120,403				19,252,946				-				13,198,988				493,940				503,392
Residential Real Estate			7,836,718				6,361,592				-				4,564,666				224,439				209,330
Farmland			302,629				302,629				-				1,858,654				803				869
Consumer			313,194				307,456				-				252,944				18,469				21,109
Other			9,146				9,146				-				2,287				556				575
			36,743,773				31,289,198				-				24,208,769				797,609				801,632
With An Allowance Recorded
Commercial			1,452,798				1,452,798				433,714				1,689,125				14,845				20,748
Agricultural			-				-				-				-				-				-
Commercial Construction			5,922,674				3,471,587				830,546				5,025,176				(159	)			-
Commercial Real Estate			5,874,473				5,874,473				423,685				11,072,314				157,536				148,495
Residential Real Estate			1,949,301				1,849,301				526,005				3,661,706				25,739				24,414
Farmland			1,326,982				1,326,982				85,500				663,903				44,638				46,930
Consumer			-				-				-				-				-				-
Other			-				-				-				-				-				-
			16,526,228				13,975,141				2,299,450				22,112,224				242,599				240,587
Total
Commercial			1,758,070				1,758,070				433,714				1,905,182				39,339				45,941
Agricultural			-				-				-				9,803				-				-
Commercial Construction			13,779,085				8,221,744				830,546				9,130,546				34,749				41,164
Commercial Real Estate			25,994,876				25,127,419				423,685				24,271,302				651,476				651,887
Residential Real Estate			9,786,019				8,210,893				526,005				8,226,372				250,178				233,744
Farmland			1,629,611				1,629,611				85,500				2,522,557				45,441				47,799
Consumer			313,194				307,456				-				252,944				18,469				21,109
Other			9,146				9,146				-				2,287				556				575
		$	53,270,001			$	45,264,339			$	2,299,450			$	46,320,993			$	1,040,208			$	1,042,219

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

Troubled Debt Restructurings
2015		# of Contracts				Pre-Modification				Post-Modification
Commercial Real Estate			1			$	513,868			$	505,978
Residential Real Estate			2				1,106,345				1,035,590
Total Loans			3			$	1,620,213			$	1,541,568
2014
Farmland			1			$	400,778			$	400,778
Commercial Construction			1				349,976				349,976
Commercial Real Estate			1				1,771,395				1,775,407
Residential Real Estate			1				49,194				49,194
Total Loans			4			$	2,571,343			$	2,575,355
2013
Commercial			1			$	83,748			$	81,277
Commercial Construction			2				228,633				225,959
Commercial Real Estate			1				225,852				225,852
Residential Real Estate			4				1,885,700				1,764,399
Total Loans			8			$	2,423,933			$	2,297,487

Troubled Debt Restructurings That Subsequently Defaulted [Table Text Block]

		2015								2014								2013
		# of Contracts				Recorded Investment				# of Contracts				Recorded Investment				# of Contracts				Recorded Investment
Commercial			-			$	-				-			$	-				1			$	81,277
Total Loans			-			$	-				-			$	-				1			$	81,277

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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