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Note 7 - Loans Receivable and Credit Disclosures (Tables)

3 Months Ended

Mar. 31, 2021

Notes Tables

Schedule of Composition of Loans Receivable [Table Text Block]

		2021				2020
Real estate - construction		$	53,335			$	45,497
Real estate - 1 to 4 family residential			206,993				213,562
Real estate - commercial			497,155				496,357
Real estate - agricultural			145,228				151,992
Commercial 1			127,440				122,535
Agricultural			95,891				102,586
Consumer and other			13,919				15,048
			1,139,961				1,147,577
Less:
Allowance for loan losses			(16,907	)			(17,215	)
Deferred loan fees and costs, net 2			(2,843	)			(857	)
Loans receivable, net		$	1,120,211			$	1,129,505

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

		Three Months Ended March 31, 2021
						1-4 Family
		Construction				Residential				Commercial				Agricultural												Consumer
		Real Estate				Real Estate				Real Estate				Real Estate				Commercial				Agricultural				and Other				Total
Balance, December 31, 2020		$	725			$	2,581			$	8,930			$	1,595			$	1,453			$	1,696			$	235			$	17,215
Provision (credit) for loan losses			143				(431	)			118				(97	)			(79	)			(82	)			2				(426	)
Recoveries of loans charged-off			-				263				1				-				1				-				4				269
Loans charged-off			-				(30	)			-				-				(113	)			-				(8	)			(151	)
Balance, March 31, 2021		$	868			$	2,383			$	9,049			$	1,498			$	1,262			$	1,614			$	233			$	16,907

		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 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

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

2021						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		$	-			$	17			$	1,486			$	-			$	-			$	120			$	33			$	1,656
Collectively evaluated for impairment			868				2,366				7,563				1,498				1,262				1,494				200				15,251
Balance March 31, 2021		$	868			$	2,383			$	9,049			$	1,498			$	1,262			$	1,614			$	233			$	16,907

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			$	1,486			$	-			$	115			$	40			$	28			$	1,819
Collectively evaluated for impairment			725				2,431				7,444				1,595				1,338				1,656				207				15,396
Balance December 31, 2020		$	725			$	2,581			$	8,930			$	1,595			$	1,453			$	1,696			$	235			$	17,215

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

2021						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		$	167			$	399			$	10,157			$	1,091			$	817			$	747			$	46			$	13,424
Collectively evaluated for impairment			53,168				206,594				486,998				144,137				126,623				95,144				13,873				1,126,537
Balance March 31, 2021		$	53,335			$	206,993			$	497,155			$	145,228			$	127,440			$	95,891			$	13,919			$	1,139,961

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		$	167			$	1,340			$	10,258			$	1,664			$	940			$	859			$	45			$	15,273
Collectively evaluated for impairment			45,330				212,222				486,099				150,328				121,595				101,727				15,003				1,132,304
Balance December 31, 2020		$	45,497			$	213,562			$	496,357			$	151,992			$	122,535			$	102,586			$	15,048			$	1,147,577

Impaired Financing Receivables [Table Text Block]

		2021												2020
						Unpaid												Unpaid
		Recorded				Principal				Related				Recorded				Principal				Related
		Investment				Balance				Allowance				Investment				Balance				Allowance
With no specific reserve recorded:
Real estate - construction		$	167			$	167			$	-			$	167			$	167			$	-
Real estate - 1 to 4 family residential			306				360				-				416				475				-
Real estate - commercial			141				168				-				242				578				-
Real estate - agricultural			1,091				1,140				-				1,664				1,698				-
Commercial			817				1,560				-				274				318				-
Agricultural			343				533				-				377				542				-
Consumer and other			4				5				-				8				10				-
Total loans with no specific reserve:			2,869				3,933				-				3,148				3,788				-
With an allowance recorded:
Real estate - construction			-				-				-				-				-				-
Real estate - 1 to 4 family residential			93				98				17				924				1,278				150
Real estate - commercial			10,016				10,157				1,486				10,016				10,157				1,486
Real estate - agricultural			-				-				-				-				-				-
Commercial			-				-				-				666				1,247				115
Agricultural			404				411				120				482				484				40
Consumer and other			42				44				33				37				39				28
Total loans with specific reserve:			10,555				10,710				1,656				12,125				13,205				1,819
Total
Real estate - construction			167				167				-				167				167				-
Real estate - 1 to 4 family residential			399				458				17				1,340				1,753				150
Real estate - commercial			10,157				10,325				1,486				10,258				10,735				1,486
Real estate - agricultural			1,091				1,140				-				1,664				1,698				-
Commercial			817				1,560				-				940				1,565				115
Agricultural			747				944				120				859				1,026				40
Consumer and other			46				49				33				45				49				28
		$	13,424			$	14,643			$	1,656			$	15,273			$	16,993			$	1,819

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

		Three Months Ended March 31,
		2021								2020
		Average				Interest				Average				Interest
		Recorded				Income				Recorded				Income
		Investment				Recognized				Investment				Recognized
With no specific reserve recorded:
Real estate - construction		$	167			$	-			$	-			$	-
Real estate - 1 to 4 family residential			361				-				283				-
Real estate - commercial			192				297				5,351				-
Real estate - agricultural			1,378				25				439				6
Commercial			546				-				437				-
Agricultural			360				13				2,979				-
Consumer and other			6				-				44				-
Total loans with no specific reserve:			3,010				335				9,533				6
With an allowance recorded:
Real estate - construction			-				-				-				-
Real estate - 1 to 4 family residential			509				-				919				-
Real estate - commercial			10,016				-				488				-
Real estate - agricultural			-				-				-				-
Commercial			333				-				84				-
Agricultural			443				-				228				-
Consumer and other			40				-				-				-
Total loans with specific reserve:			11,341				-				1,719				-
Total
Real estate - construction			167				-				-				-
Real estate - 1 to 4 family residential			870				-				1,202				-
Real estate - commercial			10,208				297				5,839				-
Real estate - agricultural			1,378				25				439				6
Commercial			879				-				521				-
Agricultural			803				13				3,207				-
Consumer and other			46				-				44				-
		$	14,351			$	335			$	11,252			$	6

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

		Three Months Ended March 31,
		2021												2020
						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			2				153				153				-				-				-
Real estate - commercial			-				-				-				1				184				184
Real estate - agricultural			-				-				-				-				-				-
Commercial			1				58				58				1				61				61
Agricultural			-				-				-				-				-				-
Consumer and other			-				-				-				-				-				-
			3			$	211			$	211				2			$	245			$	245

Financing Receivable, Past Due [Table Text Block]

2021						90 Days																90 Days
		30-89				or Greater				Total												or Greater
		Past Due				Past Due				Past Due				Current				Total				Accruing
Real estate - construction		$	26			$	167			$	193			$	53,142			$	53,335			$	-
Real estate - 1 to 4 family residential			1,223				104				1,327				205,666				206,993				5
Real estate - commercial			117				-				117				497,038				497,155				-
Real estate - agricultural			622				592				1,214				144,014				145,228				-
Commercial			203				552				755				126,685				127,440				-
Agricultural			158				382				540				95,351				95,891				-
Consumer and other			9				18				27				13,892				13,919				-
		$	2,358			$	1,815			$	4,173			$	1,135,788			$	1,139,961			$	5

2020						90 Days																90 Days
		30-89				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				-
		$	2,798			$	2,494			$	5,292			$	1,142,285			$	1,147,577			$	39

Financing Receivable Credit Quality Indicators [Table Text Block]

2021		Construction				Commercial				Agricultural
		Real Estate				Real Estate				Real Estate				Commercial				Agricultural				Total
Pass		$	48,042			$	352,434			$	112,595			$	109,898			$	77,925			$	700,894
Watch			3,773				84,589				25,420				13,057				16,316				143,155
Special Mention			1,353				22,396				173				42				-				23,964
Substandard			-				27,579				5,949				3,626				903				38,057
Substandard-Impaired			167				10,157				1,091				817				747				12,979
		$	53,335			$	497,155			$	145,228			$	127,440			$	95,891			$	919,049

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
		$	45,497			$	496,357			$	151,992			$	122,535			$	102,586			$	918,967

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

2021		1-4 Family
		Residential				Consumer
		Real Estate				and Other				Total
Performing		$	206,587			$	13,873			$	220,460
Non-performing			406				46				452
		$	206,993			$	13,919			$	220,912

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
		$	213,562			$	15,048			$	228,610

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