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Note 8 - Loans Receivable and Credit Disclosures (Tables)

6 Months Ended

Jun. 30, 2020

Notes Tables

Schedule of Composition of Loans Receivable [Table Text Block]

		2020				2019
Real estate - construction		$	51,045			$	47,895
Real estate - 1 to 4 family residential			205,254				201,510
Real estate - commercial			463,077				435,850
Real estate - agricultural			160,286				160,771
Commercial 1			158,217				84,084
Agricultural			109,066				111,945
Consumer and other			17,704				18,791
			1,164,649				1,060,846
Less:
Allowance for loan losses			(16,005	)			(12,619	)
Deferred loan fees 2			(2,598	)			(80	)
Loans receivable, net		$	1,146,046			$	1,048,147

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

		Three Months Ended June 30, 2020
						1-4 Family
		Construction				Residential				Commercial				Agricultural												Consumer
		Real Estate				Real Estate				Real Estate				Real Estate				Commercial				Agricultural				and Other				Total
Balance, March 31, 2020		$	753			$	2,336			$	6,552			$	1,563			$	1,672			$	1,815			$	218			$	14,909
Provision (credit) for loan losses			96				183				724				150				366				15				32				1,566
Recoveries of loans charged-off			-				3				1				-				2				-				2				8
Loans charged-off			-				(17	)			(413	)			-				(46	)			-				(2	)			(478	)
Balance, June 30, 2020		$	849			$	2,505			$	6,864			$	1,713			$	1,994			$	1,830			$	250			$	16,005

		Six Months Ended June 30, 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			176				397				1,944				387				578				352				49				3,883
Recoveries of loans charged-off			1				3				2				-				4				-				4				14
Loans charged-off			-				(17	)			(444	)			-				(46	)			-				(4	)			(511	)
Balance, June 30, 2020		$	849			$	2,505			$	6,864			$	1,713			$	1,994			$	1,830			$	250			$	16,005

		Three Months Ended June 30, 2019
						1-4 Family
		Construction				Residential				Commercial				Agricultural												Consumer
		Real Estate				Real Estate				Real Estate				Real Estate				Commercial				Agricultural				and Other				Total
Balance, March 31, 2019		$	736			$	1,850			$	4,770			$	1,258			$	1,610			$	1,392			$	196			$	11,812
Provision (credit) for loan losses			(15	)			(1	)			136				43				(21	)			(61	)			(13	)			68
Recoveries of loans charged-off			-				1				-				-				1				1				4				7
Loans charged-off			-				(3	)			-				-				-				-				(15	)			(18	)
Balance, June 30, 2019		$	721			$	1,847			$	4,906			$	1,301			$	1,590			$	1,332			$	172			$	11,869

		Six Months Ended June 30, 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			11				27				291				103				(211	)			(53	)			(2	)			166
Recoveries of loans charged-off			11				3				-				-				29				1				4				48
Loans charged-off			-				(3	)			-				-				(5	)			-				(21	)			(29	)
Balance, June 30, 2019		$	721			$	1,847			$	4,906			$	1,301			$	1,590			$	1,332			$	172			$	11,869

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		$	-			$	150			$	-			$	-			$	558			$	40			$	6			$	754
Collectively evaluated for impairment			849				2,355				6,864				1,713				1,436				1,790				244				15,251
Balance June 30, 2020		$	849			$	2,505			$	6,864			$	1,713			$	1,994			$	1,830			$	250			$	16,005

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		$	-			$	1,192			$	11,136			$	2,063			$	1,775			$	1,711			$	24			$	17,901
Collectively evaluated for impairment			51,045				204,062				451,941				158,223				156,442				107,355				17,680				1,146,748
Balance June 30, 2020		$	51,045			$	205,254			$	463,077			$	160,286			$	158,217			$	109,066			$	17,704			$	1,164,649

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			224				269				-				460				796				-
Real estate - commercial			11,136				11,907				-				83				435				-
Real estate - agricultural			2,063				2,079				-				84				97				-
Commercial			523				568				-				462				517				-
Agricultural			1,178				1,335				-				2,951				3,071				-
Consumer and other			6				6				-				4				4				-
Total loans with no specific reserve:			15,130				16,164				-				4,044				4,920				-
With an allowance recorded:
Real estate - construction			-				-				-				-				-				-
Real estate - 1 to 4 family residential			968				1,293				150				744				755				209
Real estate - commercial			-				-				-				-				-				-
Real estate - agricultural			-				-				-				-				-				-
Commercial			1,252				1,252				558				-				-				-
Agricultural			533				535				40				-				-				-
Consumer and other			18				18				6				-				-				-
Total loans with specific reserve:			2,771				3,098				754				744				755				209
Total
Real estate - construction			-				-				-				-				-				-
Real estate - 1 to 4 family residential			1,192				1,562				150				1,204				1,551				209
Real estate - commercial			11,136				11,907				-				83				435				-
Real estate - agricultural			2,063				2,079				-				84				97				-
Commercial			1,775				1,820				558				462				517				-
Agricultural			1,711				1,870				40				2,951				3,071				-
Consumer and other			24				24				6				4				4				-
		$	17,901			$	19,262			$	754			$	4,788			$	5,675			$	209

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

		Three Months Ended June 30,
		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			164				-				209				6
Real estate - commercial			10,877				-				135				29
Real estate - agricultural			1,429				-				78				-
Commercial			468				2				235				-
Agricultural			2,092				-				943				-
Consumer and other			45				-				-				-
Total loans with no specific reserve:			15,075				2				1,600				35
With an allowance recorded:
Real estate - construction			-				-				-				-
Real estate - 1 to 4 family residential			1,031				-				89				-
Real estate - commercial			488				-				-				-
Real estate - agricultural			-				-				-				-
Commercial			710				-				2,535				-
Agricultural			495				-				-				-
Consumer and other			9				-				7				-
Total loans with specific reserve:			2,733				-				2,631				-
Total
Real estate - construction			-				-				-				-
Real estate - 1 to 4 family residential			1,195				-				298				6
Real estate - commercial			11,365				-				135				29
Real estate - agricultural			1,429				-				78				-
Commercial			1,178				2				2,770				-
Agricultural			2,587				-				943				-
Consumer and other			54				-				7				-
		$	17,808			$	2			$	4,231			$	35

		Six Months Ended June 30,
		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			263				-				223				26
Real estate - commercial			7,279				-				133				60
Real estate - agricultural			980				6				76				-
Commercial			466				2				239				-
Agricultural			2,378				-				629				-
Consumer and other			31				-				-				-
Total loans with no specific reserve:			11,397				8				1,300				86
With an allowance recorded:
Real estate - construction			-				-				-				-
Real estate - 1 to 4 family residential			935				-				97				-
Real estate - commercial			325				-				-				-
Real estate - agricultural			-				-				-				-
Commercial			473				-				2,490				-
Agricultural			330				-				-				-
Consumer and other			6				-				10				1
Total loans with specific reserve:			2,069				-				2,597				1
Total
Real estate - construction			-				-				-				-
Real estate - 1 to 4 family residential			1,198				-				320				26
Real estate - commercial			7,604				-				133				60
Real estate - agricultural			980				6				76				-
Commercial			939				2				2,729				-
Agricultural			2,708				-				629				-
Consumer and other			37				-				10				1
		$	13,466			$	8			$	3,897			$	87

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		$	429			$	-			$	429			$	50,616			$	51,045			$	-
Real estate - 1 to 4 family residential			749				233				982				204,272				205,254				109
Real estate - commercial			4,940				10,325				15,265				447,812				463,077				-
Real estate - agricultural			586				2,004				2,590				157,696				160,286				-
Commercial			268				1,572				1,840				156,377				158,217				-
Agricultural			149				1,747				1,896				107,170				109,066				532
Consumer and other			30				20				50				17,654				17,704				-
		$	7,151			$	15,901			$	23,052			$	1,141,597			$	1,164,649			$	641

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		$	38,995			$	352,549			$	115,509			$	135,955			$	79,597			$	722,605
Watch			12,050				90,122				33,718				16,302				24,570				176,762
Special Mention			-				5,015				-				1,057				-				6,072
Substandard			-				4,255				8,996				3,128				3,188				19,567
Substandard-Impaired			-				11,136				2,063				1,775				1,711				16,685
		$	51,045			$	463,077			$	160,286			$	158,217			$	109,066			$	941,691

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		$	203,953			$	17,684			$	221,637
Non-performing			1,301				20				1,321
		$	205,254			$	17,704			$	222,958

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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