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Note 7 - Loans Receivable and Credit Disclosures (Tables)

6 Months Ended

Jun. 30, 2021

Notes Tables

Schedule of Composition of Loans Receivable [Table Text Block]

		2021				2020
Real estate - construction		$	46,164			$	45,497
Real estate - 1 to 4 family residential			226,683				213,562
Real estate - commercial			498,561				496,357
Real estate - agricultural			152,157				151,992
Commercial 1			106,016				122,535
Agricultural			98,233				102,586
Consumer and other			15,622				15,048
			1,143,436				1,147,577
Less:
Allowance for loan losses			(16,893	)			(17,215	)
Deferred loan fees and costs, net 2			(2,108	)			(857	)
Loans receivable, net		$	1,124,435			$	1,129,505

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

		Three Months Ended June 30, 2021
						1-4 Family
		Construction				Residential				Commercial				Agricultural												Consumer
		Real Estate				Real Estate				Real Estate				Real Estate				Commercial				Agricultural				and Other				Total
Balance, March 31, 2021		$	868			$	2,383			$	9,049			$	1,498			$	1,262			$	1,614			$	233			$	16,907
Provision (credit) for loan losses			(130	)			217				(161	)			116				(123	)			56				5				(20	)
Recoveries of loans charged-off			-				3				1				-				1				5				3				13
Loans charged-off			-				-				-				-				-				-				(7	)			(7	)
Balance, June 30, 2021		$	738			$	2,603			$	8,889			$	1,614			$	1,140			$	1,675			$	234			$	16,893

		Six Months Ended June 30, 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			13				(214	)			(43	)			19				(202	)			(26	)			7				(446	)
Recoveries of loans charged-off			-				266				2				-				2				5				7				282
Loans charged-off			-				(30	)			-				-				(113	)			-				(15	)			(158	)
Balance, June 30, 2021		$	738			$	2,603			$	8,889			$	1,614			$	1,140			$	1,675			$	234			$	16,893

		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 for loan losses			96				183				724				150				366				15				33				1,567
Recoveries of loans charged-off			-				3				1				-				2				-				1				7
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

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		$	-			$	15			$	1,486			$	-			$	-			$	132			$	28			$	1,661
Collectively evaluated for impairment			738				2,588				7,403				1,614				1,140				1,543				206				15,232
Balance June 30, 2021		$	738			$	2,603			$	8,889			$	1,614			$	1,140			$	1,675			$	234			$	16,893

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		$	-			$	953			$	10,153			$	628			$	271			$	650			$	41			$	12,696
Collectively evaluated for impairment			46,164				225,730				488,408				151,529				105,745				97,583				15,581				1,130,740
Balance June 30, 2021		$	46,164			$	226,683			$	498,561			$	152,157			$	106,016			$	98,233			$	15,622			$	1,143,436

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			$	-
Real estate - 1 to 4 family residential			932				995				-				416				475				-
Real estate - commercial			137				167				-				242				578				-
Real estate - agricultural			628				684				-				1,664				1,698				-
Commercial			271				302				-				274				318				-
Agricultural			312				504				-				377				542				-
Consumer and other			4				4				-				8				10				-
Total loans with no specific reserve:			2,284				2,656				-				3,148				3,788				-
With an allowance recorded:
Real estate - construction			-				-				-				-				-				-
Real estate - 1 to 4 family residential			21				21				15				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			338				342				132				482				484				40
Consumer and other			37				39				28				37				39				28
Total loans with specific reserve:			10,412				10,559				1,661				12,125				13,205				1,819
Total
Real estate - construction			-				-				-				167				167				-
Real estate - 1 to 4 family residential			953				1,016				15				1,340				1,753				150
Real estate - commercial			10,153				10,324				1,486				10,258				10,735				1,486
Real estate - agricultural			628				684				-				1,664				1,698				-
Commercial			271				302				-				940				1,565				115
Agricultural			650				846				132				859				1,026				40
Consumer and other			41				43				28				45				49				28
		$	12,696			$	13,215			$	1,661			$	15,273			$	16,993			$	1,819

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

		Three Months Ended June 30,
		2021								2020
		Average				Interest				Average				Interest
		Recorded				Income				Recorded				Income
		Investment				Recognized				Investment				Recognized
With no specific reserve recorded:
Real estate - construction		$	84			$	-			$	-			$	-
Real estate - 1 to 4 family residential			619				11				164				-
Real estate - commercial			139				-				10,877				-
Real estate - agricultural			860				-				1,429				-
Commercial			544				-				468				2
Agricultural			328				1				2,092				-
Consumer and other			4				-				45				-
Total loans with no specific reserve:			2,578				12				15,075				2
With an allowance recorded:
Real estate - construction			-				-				-				-
Real estate - 1 to 4 family residential			57				-				1,031				-
Real estate - commercial			10,016				-				488				-
Real estate - agricultural			-				-				-				-
Commercial			-				-				710				-
Agricultural			371				-				495				-
Consumer and other			40				-				9				-
Total loans with specific reserve:			10,484				-				2,733				-
Total
Real estate - construction			84				-				-				-
Real estate - 1 to 4 family residential			676				11				1,195				-
Real estate - commercial			10,155				-				11,365				-
Real estate - agricultural			860				-				1,429				-
Commercial			544				-				1,178				2
Agricultural			699				1				2,587				-
Consumer and other			44				-				54				-
		$	13,062			$	12			$	17,808			$	2

		Six Months Ended June 30,
		2021								2020
		Average				Interest				Average				Interest
		Recorded				Income				Recorded				Income
		Investment				Recognized				Investment				Recognized
With no specific reserve recorded:
Real estate - construction		$	111			$	-			$	-			$	-
Real estate - 1 to 4 family residential			551				11				263				-
Real estate - commercial			173				297				7,279				-
Real estate - agricultural			1,128				25				980				6
Commercial			454				-				466				2
Agricultural			344				14				2,378				-
Consumer and other			5				-				31				-
Total loans with no specific reserve:			2,766				347				11,397				8
With an allowance recorded:
Real estate - construction			-				-				-				-
Real estate - 1 to 4 family residential			346				-				935				-
Real estate - commercial			10,016				-				325				-
Real estate - agricultural			-				-				-				-
Commercial			222				-				473				-
Agricultural			408				-				330				-
Consumer and other			39				-				6				-
Total loans with specific reserve:			11,031				-				2,069				-
Total
Real estate - construction			111				-				-				-
Real estate - 1 to 4 family residential			897				11				1,198				-
Real estate - commercial			10,189				297				7,604				-
Real estate - agricultural			1,128				25				980				6
Commercial			676				-				939				2
Agricultural			752				14				2,708				-
Consumer and other			44				-				37				-
		$	13,797			$	347			$	13,466			$	8

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

		Three Months Ended June 30,
		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			1				425				425				-				-				-
Real estate - commercial			-				-				-				-				-				-
Real estate - agricultural			-				-				-				-				-				-
Commercial			-				-				-				-				-				-
Agricultural			-				-				-				-				-				-
Consumer and other			-				-				-				-				-				-
			1			$	425			$	425				-			$	-			$	-

		Six Months Ended June 30,
		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			3				578				578				-				-				-
Real estate - commercial			-				-				-				1				184				184
Real estate - agricultural			-				-				-				-				-				-
Commercial			1				58				58				1				61				61
Agricultural			-				-				-				-				-				-
Consumer and other			-				-				-				-				-				-
			4			$	636			$	636				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		$	-			$	-			$	-			$	46,164			$	46,164			$	-
Real estate - 1 to 4 family residential			791				103				894				225,789				226,683				4
Real estate - commercial			2,525				-				2,525				496,036				498,561				-
Real estate - agricultural			577				-				577				151,580				152,157				-
Commercial			828				6				834				105,182				106,016				-
Agricultural			67				294				361				97,872				98,233				-
Consumer and other			23				5				28				15,594				15,622				-
		$	4,811			$	408			$	5,219			$	1,138,217			$	1,143,436			$	4

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		$	44,565			$	360,863			$	123,723			$	92,810			$	81,986			$	703,947
Watch			246				77,746				21,918				8,520				14,842				123,272
Special Mention			1,353				22,315				171				1,336				-				25,175
Substandard			-				27,484				5,717				3,079				755				37,035
Substandard-Impaired			-				10,153				628				271				650				11,702
		$	46,164			$	498,561			$	152,157			$	106,016			$	98,233			$	901,131

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		$	225,725			$	15,581			$	241,306
Non-performing			958				41				999
		$	226,683			$	15,622			$	242,305

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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