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Note 8 - Loans Receivable and Credit Disclosures (Tables)

3 Months Ended

Mar. 31, 2020

Notes Tables

Schedule of Composition of Loans Receivable [Table Text Block]

		2020				2019
Real estate - construction		$	49,768			$	47,895
Real estate - 1 to 4 family residential			204,791				201,510
Real estate - commercial			461,505				435,850
Real estate - agricultural			161,984				160,771
Commercial			85,743				84,084
Agricultural			112,406				111,945
Consumer and other			18,454				18,791
			1,094,651				1,060,846
Less:
Allowance for loan losses			(14,909	)			(12,619	)
Deferred loan fees			(85	)			(80	)
Loans receivable, net		$	1,079,657			$	1,048,147

Financing Receivable, Allowance for Credit Loss [Table Text Block]

		Three Months Ended March 31, 2020
						1-4 Family
		Construction				Residential				Commercial				Agricultural												Consumer
		Real Estate				Real Estate				Real Estate				Real Estate				Commercial				Agricultural				and Other				Total
Balance, December 31, 2019		$	672			$	2,122			$	5,362			$	1,326			$	1,458			$	1,478			$	201			$	12,619
Provision (credit) for loan losses			80				214				1,220				237				212				337				16				2,316
Recoveries of loans charged-off			1				-				1				-				2				-				3				7
Loans charged-off			-				-				(31	)			-				-				-				(2	)			(33	)
Balance, March 31, 2020		$	753			$	2,336			$	6,552			$	1,563			$	1,672			$	1,815			$	218			$	14,909

		Three Months Ended March 31, 2019
						1-4 Family
		Construction				Residential				Commercial				Agricultural												Consumer
		Real Estate				Real Estate				Real Estate				Real Estate				Commercial				Agricultural				and Other				Total
Balance, December 31, 2018		$	699			$	1,820			$	4,615			$	1,198			$	1,777			$	1,384			$	191			$	11,684
Provision (credit) for loan losses			26				28				155				60				(190	)			8				11				98
Recoveries of loans charged-off			11				2				-				-				28				-				-				41
Loans charged-off			-				-				-				-				(5	)			-				(6	)			(11	)
Balance, March 31, 2019		$	736			$	1,850			$	4,770			$	1,258			$	1,610			$	1,392			$	196			$	11,812

Allowance for Loan Losses Disaggregated on Basis of Impairment Analysis Method [Table Text Block]

2020						1-4 Family
		Construction				Residential				Commercial				Agricultural												Consumer
		Real Estate				Real Estate				Real Estate				Real Estate				Commercial				Agricultural				and Other				Total
Individually evaluated for impairment		$	-			$	213			$	435			$	-			$	28			$	45			$	-			$	721
Collectively evaluated for impairment			753				2,123				6,117				1,563				1,644				1,770				218				14,188
Balance March 31, 2020		$	753			$	2,336			$	6,552			$	1,563			$	1,672			$	1,815			$	218			$	14,909

2019						1-4 Family
		Construction				Residential				Commercial				Agricultural												Consumer
		Real Estate				Real Estate				Real Estate				Real Estate				Commercial				Agricultural				and Other				Total
Individually evaluated for impairment		$	-			$	209			$	-			$	-			$	-			$	-			$	-			$	209
Collectively evaluated for impairment			672				1,913				5,362				1,326				1,458				1,478				201				12,410
Balance December 31, 2019		$	672			$	2,122			$	5,362			$	1,326			$	1,458			$	1,478			$	201			$	12,619

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

2020						1-4 Family
		Construction				Residential				Commercial				Agricultural												Consumer
		Real Estate				Real Estate				Real Estate				Real Estate				Commercial				Agricultural				and Other				Total
Individually evaluated for impairment		$	-			$	1,198			$	11,594			$	794			$	580			$	3,462			$	84			$	17,712
Collectively evaluated for impairment			49,768				203,593				449,911				161,190				85,163				108,944				18,370				1,076,939
Balance March 31, 2020		$	49,768			$	204,791			$	461,505			$	161,984			$	85,743			$	112,406			$	18,454			$	1,094,651

2019						1-4 Family
		Construction				Residential				Commercial				Agricultural												Consumer
		Real Estate				Real Estate				Real Estate				Real Estate				Commercial				Agricultural				and Other				Total
Individually evaluated for impairment		$	-			$	1,204			$	83			$	84			$	462			$	2,951			$	4			$	4,788
Collectively evaluated for impairment			47,895				200,306				435,767				160,687				83,622				108,994				18,787				1,056,058
Balance December 31, 2019		$	47,895			$	201,510			$	435,850			$	160,771			$	84,084			$	111,945			$	18,791			$	1,060,846

Impaired Financing Receivables [Table Text Block]

		2020												2019
						Unpaid												Unpaid
		Recorded				Principal				Related				Recorded				Principal				Related
		Investment				Balance				Allowance				Investment				Balance				Allowance
With no specific reserve recorded:
Real estate - construction		$	-			$	-			$	-			$	-			$	-			$	-
Real estate - 1 to 4 family residential			104				139				-				460				796				-
Real estate - commercial			10,618				10,956				-				83				435				-
Real estate - agricultural			794				808				-				84				97				-
Commercial			412				459				-				462				517				-
Agricultural			3,006				3,160				-				2,951				3,071				-
Consumer and other			84				84				-				4				4				-
Total loans with no specific reserve:			15,018				15,606				-				4,044				4,920				-
With an allowance recorded:
Real estate - construction			-				-				-				-				-				-
Real estate - 1 to 4 family residential			1,094				1,425				213				744				755				209
Real estate - commercial			976				976				435				-				-				-
Real estate - agricultural			-				-				-				-				-				-
Commercial			168				168				28				-				-				-
Agricultural			456				456				45				-				-				-
Consumer and other			-				-				-				-				-				-
Total loans with specific reserve:			2,694				3,025				721				744				755				209
Total
Real estate - construction			-				-				-				-				-				-
Real estate - 1 to 4 family residential			1,198				1,564				213				1,204				1,551				209
Real estate - commercial			11,594				11,932				435				83				435				-
Real estate - agricultural			794				808				-				84				97				-
Commercial			580				627				28				462				517				-
Agricultural			3,462				3,616				45				2,951				3,071				-
Consumer and other			84				84				-				4				4				-
		$	17,712			$	18,631			$	721			$	4,788			$	5,675			$	209

Average Investment in Impaired Loans and Interest Income Recognized [Table Text Block]

		Three Months Ended March 31,
		2020								2019
		Average				Interest				Average				Interest
		Recorded				Income				Recorded				Income
		Investment				Recognized				Investment				Recognized
With no specific reserve recorded:
Real estate - construction		$	-			$	-			$	-			$	-
Real estate - 1 to 4 family residential			283				-				247				20
Real estate - commercial			5,351				-				131				31
Real estate - agricultural			439				6				73				-
Commercial			437				-				243				-
Agricultural			2,979				-				-				-
Consumer and other			44				-				1				-
Total loans with no specific reserve:			9,533				6				695				51
With an allowance recorded:
Real estate - construction			-				-				-				-
Real estate - 1 to 4 family residential			919				-				111				-
Real estate - commercial			488				-				-				-
Real estate - agricultural			-				-				-				-
Commercial			84				-				2,468				-
Agricultural			228				-				-				-
Consumer and other			-				-				16				1
Total loans with specific reserve:			1,719				-				2,595				1
Total
Real estate - construction			-				-				-				-
Real estate - 1 to 4 family residential			1,202				-				358				20
Real estate - commercial			5,839				-				131				31
Real estate - agricultural			439				6				73				-
Commercial			521				-				2,711				-
Agricultural			3,207				-				-				-
Consumer and other			44				-				17				1
		$	11,252			$	6			$	3,290			$	52

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

		Three Months Ended March 31,
		2020												2019
						Pre-Modification				Post-Modification								Pre-Modification				Post-Modification
						Outstanding				Outstanding								Outstanding				Outstanding
		Number of				Recorded				Recorded				Number of				Recorded				Recorded
		Contracts				Investment				Investment				Contracts				Investment				Investment
Real estate - construction			-			$	-			$	-				-			$	-			$	-
Real estate - 1 to 4 family residential			-				-				-				-				-				-
Real estate - commercial			1				184				184				-				-				-
Real estate - agricultural			-				-				-				-				-				-
Commercial			1				61				61				-				-				-
Agricultural			-				-				-				-				-				-
Consumer and other			-				-				-				-				-				-
			2			$	245			$	245				-			$	-			$	-

Financing Receivable, Past Due [Table Text Block]

2020						90 Days																90 Days
		30-89				or Greater				Total												or Greater
		Past Due				Past Due				Past Due				Current				Total				Accruing
Real estate - construction		$	410			$	-			$	410			$	49,358			$	49,768			$	-
Real estate - 1 to 4 family residential			1,009				280				1,289				203,502				204,791				122
Real estate - commercial			83				183				266				461,239				461,505				-
Real estate - agricultural			1,474				1,398				2,872				159,112				161,984				682
Commercial			1,469				481				1,950				83,793				85,743				-
Agricultural			1,545				3,098				4,643				107,763				112,406				30
Consumer and other			58				23				81				18,373				18,454				4
		$	6,048			$	5,463			$	11,511			$	1,083,140			$	1,094,651			$	838

2019						90 Days																90 Days
		30-89				or Greater				Total												or Greater
		Past Due				Past Due				Past Due				Current				Total				Accruing
Real estate - construction		$	1,796			$	-			$	1,796			$	46,099			$	47,895			$	-
Real estate - 1 to 4 family residential			811				290				1,101				200,409				201,510				188
Real estate - commercial			387				-				387				435,463				435,850				-
Real estate - agricultural			422				-				422				160,349				160,771				-
Commercial			518				237				755				83,329				84,084				-
Agricultural			666				2,587				3,253				108,692				111,945				62
Consumer and other			146				6				152				18,639				18,791				5
		$	4,746			$	3,120			$	7,866			$	1,052,980			$	1,060,846			$	255

Financing Receivable Credit Quality Indicators [Table Text Block]

2020		Construction				Commercial				Agricultural
		Real Estate				Real Estate				Real Estate				Commercial				Agricultural				Total
Pass		$	35,393			$	364,413			$	119,570			$	63,373			$	87,270			$	670,019
Watch			14,375				75,914				32,085				15,258				19,435				157,067
Special Mention			-				5,015				-				1,567				-				6,582
Substandard			-				4,569				9,535				4,965				2,239				21,308
Substandard-Impaired			-				11,594				794				580				3,462				16,430
		$	49,768			$	461,505			$	161,984			$	85,743			$	112,406			$	871,406

2019		Construction				Commercial				Agricultural
		Real Estate				Real Estate				Real Estate				Commercial				Agricultural				Total
Pass		$	41,073			$	387,274			$	118,692			$	62,655			$	90,083			$	699,777
Watch			6,822				29,209				32,780				16,147				15,248				100,206
Special Mention			-				4,581				-				-				-				4,581
Substandard			-				14,703				9,215				4,820				3,663				32,401
Substandard-Impaired			-				83				84				462				2,951				3,580
		$	47,895			$	435,850			$	160,771			$	84,084			$	111,945			$	840,545

Credit Risk Profile Based on Payment Activity on Disaggregated Basis [Table Text Block]

2020		1-4 Family
		Residential				Consumer
		Real Estate				and Other				Total
Performing		$	203,392			$	18,430			$	221,822
Non-performing			1,399				24				1,423
		$	204,791			$	18,454			$	223,245

2019		1-4 Family
		Residential				Consumer
		Real Estate				and Other				Total
Performing		$	200,117			$	18,782			$	218,899
Non-performing			1,393				9				1,402
		$	201,510			$	18,791			$	220,301

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