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Note 5 - Loans Receivable and Credit Disclosures (Tables)

12 Months Ended

Dec. 31, 2020

Notes Tables

Schedule of Composition of Loans Receivable [Table Text Block]

		2020				2019
Real estate - construction		$	45,497			$	47,895
Real estate - 1 to 4 family residential			213,562				201,510
Real estate - commercial			496,357				435,850
Real estate - agricultural			151,992				160,771
Commercial 1			122,535				84,084
Agricultural			102,586				111,945
Consumer and other			15,048				18,791
			1,147,577				1,060,846
Less:
Allowance for loan losses			(17,215	)			(12,619	)
Deferred loan fees and costs, net 2			(857	)			(80	)
Total loans receivable, net		$	1,129,505			$	1,048,147

Schedule of Allowance for Loan Losses [Table Text Block]

		2020				2019
Balance, beginning		$	12,619			$	11,684
Provision for loan losses			5,681				1,314
Recoveries of loans charged-off			325				72
Loans charged-off			(1,410	)			(451	)
Balance, ending		$	17,215			$	12,619

Financing Receivable, Allowance for Credit Loss [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
Balance, beginning		$	672			$	2,122			$	5,362			$	1,326			$	1,458			$	1,478			$	201			$	12,619
Provision (credit) for loan losses			52				471				3,986				269				609				266				28				5,681
Recoveries of loans charged-off			1				6				26				-				14				-				278				325
Loans charged-off			-				(18	)			(444	)			-				(628	)			(48	)			(272	)			(1,410	)
Balance, ending		$	725			$	2,581			$	8,930			$	1,595			$	1,453			$	1,696			$	235			$	17,215

2019:						1-4 Family
		Construction				Residential				Commercial				Agricultural												Consumer
		Real Estate				Real Estate				Real Estate				Real Estate				Commercial				Agricultural				and Other				Total
Balance, beginning		$	699			$	1,820			$	4,615			$	1,198			$	1,777			$	1,384			$	191			$	11,684
Provision (credit) for loan losses			(27	)			372				732				128				(24	)			94				39				1,314
Recoveries of loans charged-off			-				5				15				-				36				-				16				72
Loans charged-off			-				(75	)			-				-				(331	)			-				(45	)			(451	)
Balance, ending		$	672			$	2,122			$	5,362			$	1,326			$	1,458			$	1,478			$	201			$	12,619

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
Ending balance: Individually evaluated for impairment		$	-			$	150			$	1,486			$	-			$	115			$	40			$	28			$	1,819
Ending balance: Collectively evaluated for impairment			725				2,431				7,444				1,595				1,338				1,656				207				15,396
Ending balance		$	725			$	2,581			$	8,930			$	1,595			$	1,453			$	1,696			$	235			$	17,215

2019:						1-4 Family
		Construction				Residential				Commercial				Agricultural												Consumer
		Real Estate				Real Estate				Real Estate				Real Estate				Commercial				Agricultural				and Other				Total
Ending balance: Individually evaluated for impairment		$	-			$	209			$	-			$	-			$	-			$	-			$	-			$	209
Ending balance: Collectively evaluated for impairment			672				1,913				5,362				1,326				1,458				1,478				201				12,410
Ending balance		$	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
Ending balance: Individually evaluated for impairment		$	167			$	1,340			$	10,258			$	1,664			$	940			$	859			$	45			$	15,273
Ending balance: Collectively evaluated for impairment			45,330				212,222				486,099				150,328				121,595				101,727				15,003				1,132,304
Ending balance		$	45,497			$	213,562			$	496,357			$	151,992			$	122,535			$	102,586			$	15,048			$	1,147,577

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

Financing Receivable Credit Quality Indicators [Table Text Block]

2020:		Construction				Commercial				Agricultural
		Real Estate				Real Estate				Real Estate				Commercial				Agricultural				Total
Pass		$	39,980			$	346,591			$	110,925			$	101,858			$	80,075			$	679,429
Watch			5,350				88,113				33,144				15,897				20,793				163,297
Special Mention			-				23,753				175				52				-				23,980
Substandard			-				27,642				6,084				3,788				859				38,373
Substandard-Impaired			167				10,258				1,664				940				859				13,888
Total		$	45,497			$	496,357			$	151,992			$	122,535			$	102,586			$	918,967

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
Total		$	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		$	212,282			$	15,003			$	227,285
Non-performing			1,280				45				1,325
Total		$	213,562			$	15,048			$	228,610

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
Total		$	201,510			$	18,791			$	220,301

Impaired Financing Receivables [Table Text Block]

2020:						Unpaid								Average				Interest
		Recorded				Principal				Related				Recorded				Income
		Investment				Balance				Allowance				Investment				Recognized
With no specific reserve recorded:
Real estate - construction		$	167			$	167			$	-			$	66			$	-
Real estate - 1 to 4 family residential			416				475				-				318				-
Real estate - commercial			242				578				-				6,625				16
Real estate - agricultural			1,664				1,698				-				1,295				6
Commercial			274				318				-				524				23
Agricultural			377				542				-				1,592				344
Consumer and other			8				10				-				22				128
Total loans with no specific reserve:			3,148				3,788				-				10,442				517
With an allowance recorded:
Real estate - construction			-				-				-				-				-
Real estate - 1 to 4 family residential			924				1,278				150				935				66
Real estate - commercial			10,016				10,157				1,486				2,198				-
Real estate - agricultural			-				-				-				-				-
Commercial			666				1,247				115				418				-
Agricultural			482				484				40				400				-
Consumer and other			37				39				28				19				92
Total loans with specific reserve:			12,125				13,205				1,819				3,970				158
Total
Real estate - construction			167				167				-				66				-
Real estate - 1 to 4 family residential			1,340				1,753				150				1,253				66
Real estate - commercial			10,258				10,735				1,486				8,823				16
Real estate - agricultural			1,664				1,698				-				1,295				6
Commercial			940				1,565				115				942				23
Agricultural			859				1,026				40				1,992				344
Consumer and other			45				49				28				41				220
Total		$	15,273			$	16,993			$	1,819			$	14,412			$	675

2019:						Unpaid								Average				Interest
		Recorded				Principal				Related				Recorded				Income
		Investment				Balance				Allowance				Investment				Recognized
With no specific reserve recorded:
Real estate - construction		$	-			$	-			$	-			$	-			$	-
Real estate - 1 to 4 family residential			460				796				-				336				31
Real estate - commercial			83				435				-				323				133
Real estate - agricultural			84				97				-				80				-
Commercial			462				517				-				285				-
Agricultural			2,951				3,071				-				1,472				-
Consumer and other			4				4				-				1				-
Total loans with no specific reserve:			4,044				4,920				-				2,497				164
With an allowance recorded:
Real estate - construction			-				-				-				-				-
Real estate - 1 to 4 family residential			744				755				209				329				-
Real estate - commercial			-				-				-				-				-
Real estate - agricultural			-				-				-				-				-
Commercial			-				-				-				1,494				-
Agricultural			-				-				-				-				-
Consumer and other			-				-				-				8				1
Total loans with specific reserve:			744				755				209				1,831				1
Total
Real estate - construction			-				-				-				-				-
Real estate - 1 to 4 family residential			1,204				1,551				209				665				31
Real estate - commercial			83				435				-				323				133
Real estate - agricultural			84				97				-				80				-
Commercial			462				517				-				1,779				-
Agricultural			2,951				3,071				-				1,472				-
Consumer and other			4				4				-				9				1
Total		$	4,788			$	5,675			$	209			$	4,328			$	165

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

		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			-				-				-				3				1,035				1,035
Real estate - commercial			2				10,192				10,192				-				-				-
Real estate - agricultural			-				-				-				-				-				-
Commercial			-				-				-				-				-				-
Agricultural			3				54				54				-				-				-
Consumer and other			1				27				27				-				-				-
Total			6			$	10,273			$	10,273				3			$	1,035			$	1,035

Financing Receivable, Past Due [Table Text Block]

2020:		30-89				90 Days																90 Days
		Days				or Greater				Total												or Greater
		Past Due				Past Due				Past Due				Current				Total				Accruing
Real estate - construction		$	169			$	167			$	336			$	45,161			$	45,497			$	-
Real estate - 1 to 4 family residential			1,523				176				1,699				211,863				213,562				6
Real estate - commercial			152				56				208				496,149				496,357				-
Real estate - agricultural			574				1,618				2,192				149,800				151,992				-
Commercial			283				3				286				122,249				122,535				3
Agricultural			79				458				537				102,049				102,586				30
Consumer and other			18				16				34				15,014				15,048				-
Total		$	2,798			$	2,494			$	5,292			$	1,142,285			$	1,147,577			$	39

2019:		30-89				90 Days																90 Days
		Days				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
Total		$	4,746			$	3,120			$	7,866			$	1,052,980			$	1,060,846			$	255

Schedule of Loan Transactions With Related Parties [Table Text Block]

		2020				2019
Balance, beginning of year		$	10,235			$	7,807
New loans			15,750				5,854
Repayments			(13,407	)			(6,974	)
Change in status			439				3,548
Balance, end of year		$	13,017			$	10,235

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