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Note 4 - Loans Receivable and Credit Disclosures (Tables)

12 Months Ended

Dec. 31, 2021

Notes Tables

Schedule of Composition of Loans Receivable [Table Text Block]

		2021				2020
Real estate - construction		$	42,638			$	45,497
Real estate - 1 to 4 family residential			246,745				213,562
Real estate - commercial			515,367				496,357
Real estate - agricultural			153,457				151,992
Commercial 1			75,482				122,535
Agricultural			111,881				102,586
Consumer and other			15,097				15,048
			1,160,667				1,147,577
Less:
Allowance for loan losses			(16,621	)			(17,215	)
Deferred loan fees and costs, net 2			62				(857	)
Total loans receivable, net		$	1,144,108			$	1,129,505

Schedule of Allowance for Loan Losses [Table Text Block]

		2021				2020
Balance, beginning		$	17,215			$	12,619
Provision for loan losses			(757	)			5,681
Recoveries of loans charged-off			339				325
Loans charged-off			(176	)			(1,410	)
Balance, ending		$	16,621			$	17,215

Financing Receivable, Allowance for Credit Loss [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
Balance, beginning		$	725			$	2,581			$	8,930			$	1,595			$	1,453			$	1,696			$	235			$	17,215
Provision (credit) for loan losses			(50	)			(63	)			(528	)			(11	)			(175	)			92				(22	)			(757	)
Recoveries of loans charged-off			-				268				4				-				5				48				14				339
Loans charged-off			-				(34	)			-				-				(113	)			-				(29	)			(176	)
Balance, ending		$	675			$	2,752			$	8,406			$	1,584			$	1,170			$	1,836			$	198			$	16,621

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

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
Ending balance: Individually evaluated for impairment		$	-			$	40			$	1,139			$	-			$	60			$	132			$	21			$	1,392
Ending balance: Collectively evaluated for impairment			675				2,712				7,267				1,584				1,110				1,704				177				15,229
Ending balance		$	675			$	2,752			$	8,406			$	1,584			$	1,170			$	1,836			$	198			$	16,621

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

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
Ending balance: Individually evaluated for impairment		$	-			$	980			$	9,792			$	546			$	330			$	637			$	27			$	12,312
Ending balance: Collectively evaluated for impairment			42,638				245,765				505,575				152,911				75,152				111,244				15,070				1,148,355
Ending balance		$	42,638			$	246,745			$	515,367			$	153,457			$	75,482			$	111,881			$	15,097			$	1,160,667

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

Financing Receivable Credit Quality Indicators [Table Text Block]

2021:		Construction				Commercial				Agricultural
		Real Estate				Real Estate				Real Estate				Commercial				Agricultural				Total
Pass		$	38,753			$	381,346			$	126,157			$	63,141			$	95,289			$	704,686
Watch			239				99,127				17,853				8,132				7,421				132,772
Special Mention			-				3,085				3,519				762				7,664				15,030
Substandard			3,646				22,017				5,382				3,117				870				35,032
Substandard-Impaired			-				9,792				546				330				637				11,305
Total		$	42,638			$	515,367			$	153,457			$	75,482			$	111,881			$	898,825

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

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		$	245,598			$	15,067			$	260,665
Non-performing			1,147				30				1,177
Total		$	246,745			$	15,097			$	261,842

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

Impaired Financing Receivables [Table Text Block]

2021:						Unpaid								Average				Interest
		Recorded				Principal				Related				Recorded				Income
		Investment				Balance				Allowance				Investment				Recognized
With no specific reserve recorded:
Real estate - construction		$	-			$	-			$	-			$	67			$	-
Real estate - 1 to 4 family residential			677				739				-				605				19
Real estate - commercial			124				142				-				154				297
Real estate - agricultural			546				1,001				-				901				25
Commercial			233				269				-				367				-
Agricultural			322				521				-				335				15
Consumer and other			6				8				-				6				-
Total loans with no specific reserve:			1,908				2,680				-				2,435				356
With an allowance recorded:
Real estate - construction			-				-				-				-				-
Real estate - 1 to 4 family residential			303				314				40				329				-
Real estate - commercial			9,668				10,001				1,139				9,909				-
Real estate - agricultural			-				-				-				-				-
Commercial			97				98				60				164				-
Agricultural			315				315				132				371				-
Consumer and other			21				23				21				32				-
Total loans with specific reserve:			10,404				10,751				1,392				10,805				-
Total
Real estate - construction			-				-				-				67				-
Real estate - 1 to 4 family residential			980				1,053				40				934				19
Real estate - commercial			9,792				10,143				1,139				10,063				297
Real estate - agricultural			546				1,001				-				901				25
Commercial			330				367				60				531				-
Agricultural			637				836				132				706				15
Consumer and other			27				31				21				38				-
Total		$	12,312			$	13,431			$	1,392			$	13,240			$	356

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

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

		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				10,192				10,192
Real estate - agricultural			2				534				534				-				-				-
Commercial			2				64				64				-				-				-
Agricultural			2				294				294				3				54				54
Consumer and other			-				-				-				1				27				27
Total			9			$	1,470			$	1,470				6			$	10,273			$	10,273

Financing Receivable, Past Due [Table Text Block]

2021:		30-89				90 Days																90 Days
		Days				or Greater				Total												or Greater
		Past Due				Past Due				Past Due				Current				Total				Accruing
Real estate - construction		$	-			$	-			$	-			$	42,638			$	42,638			$	-
Real estate - 1 to 4 family residential			1,198				482				1,680				245,065				246,745				169
Real estate - commercial			24				-				24				515,343				515,367				-
Real estate - agricultural			30				-				30				153,427				153,457				-
Commercial			251				15				266				75,216				75,482				-
Agricultural			172				-				172				111,709				111,881				-
Consumer and other			49				-				49				15,048				15,097				-
Total		$	1,724			$	497			$	2,221			$	1,158,446			$	1,160,667			$	169

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

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

		2021				2020
Balance, beginning of year		$	13,017			$	10,235
New loans			17,682				15,750
Repayments			(14,932	)			(13,407	)
Change in status			1,502				439
Balance, end of year		$	17,269			$	13,017

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