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Note 7 - Loans Receivable and Credit Disclosures (Tables)

9 Months Ended

Sep. 30, 2021

Notes Tables

Schedule of Composition of Loans Receivable [Table Text Block]

		2021				2020
Real estate - construction		$	37,476			$	45,497
Real estate - 1 to 4 family residential			231,468				213,562
Real estate - commercial			519,112				496,357
Real estate - agricultural			153,247				151,992
Commercial 1			85,569				122,535
Agricultural			101,087				102,586
Consumer and other			15,346				15,048
			1,143,305				1,147,577
Less:
Allowance for loan losses			(16,830	)			(17,215	)
Deferred loan (fees) and costs, net 2			(416	)			(857	)
Loans receivable, net		$	1,126,059			$	1,129,505

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

		Three Months Ended September 30, 2021
						1-4 Family
		Construction				Residential				Commercial				Agricultural												Consumer
		Real Estate				Real Estate				Real Estate				Real Estate				Commercial				Agricultural				and Other				Total
Balance, June 30, 2021		$	738			$	2,603			$	8,889			$	1,614			$	1,140			$	1,675			$	234			$	16,893
Provision (credit) for loan losses			(156	)			59				33				(36	)			64				(59	)			1				(94	)
Recoveries of loans charged-off			-				1				1				-				1				43				1				47
Loans charged-off			-				(4	)			-				-				-				-				(12	)			(16	)
Balance, September 30, 2021		$	582			$	2,659			$	8,923			$	1,578			$	1,205			$	1,659			$	224			$	16,830

		Nine Months Ended September 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			(143	)			(155	)			(10	)			(17	)			(138	)			(85	)			8				(540	)
Recoveries of loans charged-off			-				267				3				-				3				48				8				329
Loans charged-off			-				(34	)			-				-				(113	)			-				(27	)			(174	)
Balance, September 30, 2021		$	582			$	2,659			$	8,923			$	1,578			$	1,205			$	1,659			$	224			$	16,830

		Three Months Ended September 30, 2020
						1-4 Family
		Construction				Residential				Commercial				Agricultural												Consumer
		Real Estate				Real Estate				Real Estate				Real Estate				Commercial				Agricultural				and Other				Total
Balance, June 30, 2020		$	849			$	2,505			$	6,864			$	1,713			$	1,994			$	1,830			$	250			$	16,005
Provision (credit) for loan losses			(105	)			80				583				(15	)			(5	)			(14	)			17				541
Recoveries of loans charged-off			-				2				1				-				9				-				273				285
Loans charged-off			-				(1	)			-				-				(582	)			(48	)			(268	)			(899	)
Balance, September 30, 2020		$	744			$	2,586			$	7,448			$	1,698			$	1,416			$	1,768			$	272			$	15,932

		Nine Months Ended September 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 for loan losses			71				477				2,527				372				573				338				66				4,424
Recoveries of loans charged-off			1				5				3				-				13				-				277				299
Loans charged-off			-				(18	)			(444	)			-				(628	)			(48	)			(272	)			(1,410	)
Balance, September 30, 2020		$	744			$	2,586			$	7,448			$	1,698			$	1,416			$	1,768			$	272			$	15,932

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		$	-			$	40			$	1,326			$	-			$	18			$	132			$	23			$	1,539
Collectively evaluated for impairment			582				2,619				7,597				1,578				1,187				1,527				201				15,291
Balance September 30, 2021		$	582			$	2,659			$	8,923			$	1,578			$	1,205			$	1,659			$	224			$	16,830

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		$	-			$	1,000			$	9,954			$	576			$	295			$	638			$	30			$	12,493
Collectively evaluated for impairment			37,476				230,468				509,158				152,671				85,274				100,449				15,316				1,130,812
Balance September 30, 2021		$	37,476			$	231,468			$	519,112			$	153,247			$	85,569			$	101,087			$	15,346			$	1,143,305

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			694				747				-				416				475				-
Real estate - commercial			127				142				-				242				578				-
Real estate - agricultural			576				631				-				1,664				1,698				-
Commercial			238				271				-				274				318				-
Agricultural			323				523				-				377				542				-
Consumer and other			7				9				-				8				10				-
Total loans with no specific reserve:			1,965				2,323				-				3,148				3,788				-
With an allowance recorded:
Real estate - construction			-				-				-				-				-				-
Real estate - 1 to 4 family residential			306				316				40				924				1,278				150
Real estate - commercial			9,827				10,081				1,326				10,016				10,157				1,486
Real estate - agricultural			-				-				-				-				-				-
Commercial			57				58				18				666				1,247				115
Agricultural			315				315				132				482				484				40
Consumer and other			23				24				23				37				39				28
Total loans with specific reserve:			10,528				10,794				1,539				12,125				13,205				1,819
Total
Real estate - construction			-				-				-				167				167				-
Real estate - 1 to 4 family residential			1,000				1,063				40				1,340				1,753				150
Real estate - commercial			9,954				10,223				1,326				10,258				10,735				1,486
Real estate - agricultural			576				631				-				1,664				1,698				-
Commercial			295				329				18				940				1,565				115
Agricultural			638				838				132				859				1,026				40
Consumer and other			30				33				23				45				49				28
		$	12,493			$	13,117			$	1,539			$	15,273			$	16,993			$	1,819

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

		Three Months Ended September 30,
		2021								2020
		Average				Interest				Average				Interest
		Recorded				Income				Recorded				Income
		Investment				Recognized				Investment				Recognized
With no specific reserve recorded:
Real estate - construction		$	-			$	-			$	83			$	-
Real estate - 1 to 4 family residential			813				8				305				-
Real estate - commercial			132				-				11,091				-
Real estate - agricultural			602				-				1,966				-
Commercial			255				-				735				21
Agricultural			318				-				813				340
Consumer and other			6				-				8				-
Total loans with no specific reserve:			2,126				8				15,001				361
With an allowance recorded:
Real estate - construction			-				-				-				-
Real estate - 1 to 4 family residential			164				-				957				-
Real estate - commercial			9,922				-				-				-
Real estate - agricultural			-				-				-				-
Commercial			29				-				627				-
Agricultural			327				-				531				-
Consumer and other			30				-				30				-
Total loans with specific reserve:			10,472				-				2,145				-
Total
Real estate - construction			-				-				83				-
Real estate - 1 to 4 family residential			977				8				1,262				-
Real estate - commercial			10,054				-				11,091				-
Real estate - agricultural			602				-				1,966				-
Commercial			284				-				1,362				21
Agricultural			645				-				1,344				340
Consumer and other			36				-				38				-
		$	12,598			$	8			$	17,146			$	361

		Nine Months Ended September 30,
		2021								2020
		Average				Interest				Average				Interest
		Recorded				Income				Recorded				Income
		Investment				Recognized				Investment				Recognized
With no specific reserve recorded:
Real estate - construction		$	84			$	-			$	41			$	-
Real estate - 1 to 4 family residential			587				19				294				-
Real estate - commercial			162				297				8,221				-
Real estate - agricultural			990				25				1,202				6
Commercial			400				-				586				23
Agricultural			339				14				1,896				340
Consumer and other			6				-				26				-
Total loans with no specific reserve:			2,568				355				12,266				369
With an allowance recorded:
Real estate - construction			-				-				-				-
Real estate - 1 to 4 family residential			336				-				938				-
Real estate - commercial			9,969				-				244				-
Real estate - agricultural			-				-				-				-
Commercial			181				-				356				-
Agricultural			385				-				380				-
Consumer and other			35				-				15				-
Total loans with specific reserve:			10,906				-				1,933				-
Total
Real estate - construction			84				-				41				-
Real estate - 1 to 4 family residential			923				19				1,232				-
Real estate - commercial			10,131				297				8,465				-
Real estate - agricultural			990				25				1,202				6
Commercial			581				-				942				23
Agricultural			724				14				2,276				340
Consumer and other			41				-				41				-
		$	13,474			$	355			$	14,199			$	369

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

		Three Months Ended September 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			-				-				-				-				-				-
Real estate - commercial			-				-				-				1				10,157				10,157
Real estate - agricultural			-				-				-				-				-				-
Commercial			1				6				6				-				-				-
Agricultural			-				-				-				3				56				56
Consumer and other			-				-				-				1				27				27
			1			$	6			$	6				5			$	10,240			$	10,240

		Nine Months Ended September 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			-				-				-				2				10,341				10,341
Real estate - agricultural			-				-				-				-				-				-
Commercial			2				64				64				1				61				61
Agricultural			-				-				-				3				56				56
Consumer and other			-				-				-				1				27				27
			5			$	642			$	642				7			$	10,485			$	10,485

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		$	140			$	-			$	140			$	37,336			$	37,476			$	-
Real estate - 1 to 4 family residential			1,080				170				1,250				230,218				231,468				84
Real estate - commercial			-				-				-				519,112				519,112				-
Real estate - agricultural			1,139				-				1,139				152,108				153,247				-
Commercial			495				-				495				85,074				85,569				-
Agricultural			136				315				451				100,636				101,087				-
Consumer and other			56				-				56				15,290				15,346				-
		$	3,046			$	485			$	3,531			$	1,139,774			$	1,143,305			$	84

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		$	35,797			$	381,055			$	125,868			$	72,151			$	84,960			$	699,831
Watch			326				79,194				21,037				8,077				14,717				123,351
Special Mention			1,353				24,687				167				1,370				-				27,577
Substandard			-				24,222				5,599				3,676				772				34,269
Substandard-Impaired			-				9,954				576				295				638				11,463
		$	37,476			$	519,112			$	153,247			$	85,569			$	101,087			$	896,491

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		$	230,385			$	15,343			$	245,728
Non-performing			1,083				3				1,086
		$	231,468			$	15,346			$	246,814

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

X

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