XML 76 R71.htm IDEA: XBRL DOCUMENT v3.20.1
LOANS AND RELATED ALLOWANCE FOR LOAN LOSSES (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2019
Dec. 31, 2018
Dec. 31, 2017
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total financing receivables $ 1,115,569 $ 1,081,883  
Individually evaluated for impairment 19,672 23,450  
Loans acquired with deteriorated credit quality 1,282 1,859  
Collectively evaluated for impairment 1,094,615 1,056,574  
Allowance for loan losses 13,845 12,884  
Allowance for loan losses related to individually evaluated for impairment 735 676 $ 410
Allowance for loan losses related to loans acquired with deteriorated credit quality 0 0  
Allowance for loan losses related to collectively evaluated for impairment 13,110 12,208 10,780
Net loans 1,101,724 1,068,999  
Net loans, individually evaluated for impairment 18,937 22,774  
Net loans, loans acquired with deteriorated credit quality 1,282 1,859  
Net loans, collectively evaluated for impairment 1,081,505 1,044,366  
Net unamortized loan fees and costs 937 918  
Real estate loans serviced for Freddie Mac and Fannie Mae 148,889 142,972  
Real estate loans sold to Freddie Mac and Fannie Mae without recourse 127,402 122,219  
Portfolio balance under MPF 21,487 24,853  
First-loss position for MPF maintained by FHLB 143    
Credit enhancement for MPF by FHLB $ 764    
Number of days past for loan to be considered impaired, Minimum 90 days    
Minimum [Member]      
Segments of loan portfolio and allowance for loan losses [Abstract]      
Number of days past for loan to be considered impaired, Minimum 90 days    
First Mortgage [Member] | Minimum [Member]      
Segments of loan portfolio and allowance for loan losses [Abstract]      
Period of mortgage on real estate 15 years    
First Mortgage [Member] | Maximum [Member]      
Segments of loan portfolio and allowance for loan losses [Abstract]      
Period of mortgage on real estate 30 years    
Second Mortgage [Member] | Maximum [Member]      
Segments of loan portfolio and allowance for loan losses [Abstract]      
Period of mortgage on real estate 15 years    
Real Estate Loans [Member] | Residential [Member]      
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total financing receivables $ 217,088 215,305  
Individually evaluated for impairment 1,166 890  
Loans acquired with deteriorated credit quality 23 28  
Collectively evaluated for impairment 215,899 214,387  
Allowance for loan losses related to individually evaluated for impairment 32 24 56
Allowance for loan losses related to collectively evaluated for impairment 1,082 1,081 993
Real Estate Loans [Member] | Commercial [Member]      
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total financing receivables 342,023 319,265  
Individually evaluated for impairment 11,537 13,327  
Loans acquired with deteriorated credit quality 1,210 1,321  
Collectively evaluated for impairment 329,276 304,617  
Allowance for loan losses related to individually evaluated for impairment 251 216 94
Allowance for loan losses related to collectively evaluated for impairment 4,298 3,899 3,773
Real Estate Loans [Member] | Agricultural [Member]      
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total financing receivables 311,464 284,520  
Individually evaluated for impairment 3,782 5,592  
Loans acquired with deteriorated credit quality 0 0  
Collectively evaluated for impairment 307,682 278,928  
Allowance for loan losses related to individually evaluated for impairment 151 84 3
Allowance for loan losses related to collectively evaluated for impairment 4,871 4,180 3,140
Real Estate Loans [Member] | Construction [Member]      
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total financing receivables 15,519 33,913  
Individually evaluated for impairment 0 0  
Loans acquired with deteriorated credit quality 0 0  
Collectively evaluated for impairment 15,519 33,913  
Allowance for loan losses related to individually evaluated for impairment 0 0 0
Allowance for loan losses related to collectively evaluated for impairment 43 58 23
Consumer [Member]      
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total financing receivables 9,947 9,858  
Individually evaluated for impairment 4 0  
Loans acquired with deteriorated credit quality 0 0  
Collectively evaluated for impairment 9,943 9,858  
Allowance for loan losses related to individually evaluated for impairment 0 0 0
Allowance for loan losses related to collectively evaluated for impairment 112 120 124
Other Commercial Loans [Member]      
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total financing receivables 69,970 74,118  
Individually evaluated for impairment 1,902 2,206  
Loans acquired with deteriorated credit quality 49 510  
Collectively evaluated for impairment 68,019 71,402  
Allowance for loan losses related to individually evaluated for impairment 147 193 231
Allowance for loan losses related to collectively evaluated for impairment 1,108 1,161 1,041
Other Agricultural Loans [Member]      
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total financing receivables 55,112 42,186  
Individually evaluated for impairment 1,281 1,435  
Loans acquired with deteriorated credit quality 0 0  
Collectively evaluated for impairment 53,831 40,751  
Allowance for loan losses related to individually evaluated for impairment 154 159 26
Allowance for loan losses related to collectively evaluated for impairment 807 593 466
State and Political Subdivision Loans [Member]      
Segments of loan portfolio and allowance for loan losses [Abstract]      
Total financing receivables 94,446 102,718  
Individually evaluated for impairment 0 0  
Loans acquired with deteriorated credit quality 0 0  
Collectively evaluated for impairment 94,446 102,718  
Allowance for loan losses related to individually evaluated for impairment 0 0 0
Allowance for loan losses related to collectively evaluated for impairment 536 762 $ 816
First National Bank of Fredericksburg [Member]      
Changes in the accretable yield for purchased credit-impaired loans [Roll Forward]      
Balance at beginning of period 104 106  
Accretion (15) (95)  
Reclassification of non-accretable discount 0 93  
Balance at end of period 89 104  
Loans acquired with specific evidence of deterioration in credit quality [Abstract]      
Outstanding balance 4,072 4,529  
Carrying amount $ 1,282 $ 1,859