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Note 7 - Loans Receivable and Credit Disclosures (Tables)

3 Months Ended

Mar. 31, 2022

Notes Tables

Schedule of Composition of Loans Receivable [Table Text Block]

		2022				2021
Real estate - construction		$	46,140			$	42,638
Real estate - 1 to 4 family residential			256,362				246,745
Real estate - commercial			507,598				515,367
Real estate - agricultural			152,136				153,457
Commercial 1			71,150				75,482
Agricultural			96,197				111,881
Consumer and other			16,647				15,097
			1,146,230				1,160,667
Less:
Allowance for loan losses			(16,484	)			(16,621	)
Deferred loan (fees) and costs, net			331				62
Loans receivable, net		$	1,130,077			$	1,144,108

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

		Three Months Ended March 31, 2022
						1-4 Family
		Construction				Residential				Commercial				Agricultural												Consumer
		Real Estate				Real Estate				Real Estate				Real Estate				Commercial				Agricultural				and Other				Total
Balance, December 31, 2021		$	675			$	2,752			$	8,406			$	1,584			$	1,170			$	1,836			$	198			$	16,621
Provision (credit) for loan losses			(30	)			150				(92	)			46				(19	)			(230	)			48				(127	)
Recoveries of loans charged-off			-				1				-				-				1				-				1				3
Loans charged-off			-				(4	)			-				-				-				-				(9	)			(13	)
Balance, March 31, 2022		$	645			$	2,899			$	8,314			$	1,630			$	1,152			$	1,606			$	238			$	16,484

		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

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

2022						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		$	-			$	53			$	1,139			$	-			$	42			$	119			$	20			$	1,373
Collectively evaluated for impairment			645				2,846				7,175				1,630				1,110				1,487				218				15,111
Balance March 31, 2022		$	645			$	2,899			$	8,314			$	1,630			$	1,152			$	1,606			$	238			$	16,484

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			$	1,139			$	-			$	60			$	132			$	21			$	1,392
Collectively evaluated for impairment			675				2,712				7,267				1,584				1,110				1,704				177				15,229
Balance December 31, 2021		$	675			$	2,752			$	8,406			$	1,584			$	1,170			$	1,836			$	198			$	16,621

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

2022						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		$	-			$	976			$	9,789			$	542			$	262			$	564			$	24			$	12,157
Collectively evaluated for impairment			46,140				255,386				497,809				151,594				70,888				95,633				16,623				1,134,073
Balance March 31, 2022		$	46,140			$	256,362			$	507,598			$	152,136			$	71,150			$	96,197			$	16,647			$	1,146,230

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		$	-			$	980			$	9,792			$	546			$	330			$	637			$	27			$	12,312
Collectively evaluated for impairment			42,638				245,765				505,575				152,911				75,152				111,244				15,070				1,148,355
Balance December 31, 2021		$	42,638			$	246,745			$	515,367			$	153,457			$	75,482			$	111,881			$	15,097			$	1,160,667

Impaired Financing Receivables [Table Text Block]

		2022												2021
						Unpaid												Unpaid
		Recorded				Principal				Related				Recorded				Principal				Related
		Investment				Balance				Allowance				Investment				Balance				Allowance
With no specific reserve recorded:
Real estate - construction		$	-			$	-			$	-			$	-			$	-			$	-
Real estate - 1 to 4 family residential			651				719				-				677				739				-
Real estate - commercial			121				140				-				124				142				-
Real estate - agricultural			542				617				-				546				1,001				-
Commercial			220				258				-				233				269				-
Agricultural			255				486				-				322				521				-
Consumer and other			4				6				-				6				8				-
Total loans with no specific reserve:			1,793				2,226				-				1,908				2,680				-
With an allowance recorded:
Real estate - construction			-				-				-				-				-				-
Real estate - 1 to 4 family residential			325				341				53				303				314				40
Real estate - commercial			9,668				10,001				1,139				9,668				10,001				1,139
Real estate - agricultural			-				-				-				-				-				-
Commercial			42				42				42				97				98				60
Agricultural			309				315				119				315				315				132
Consumer and other			20				22				20				21				23				21
Total loans with specific reserve:			10,364				10,721				1,373				10,404				10,751				1,392
Total
Real estate - construction			-				-				-				-				-				-
Real estate - 1 to 4 family residential			976				1,060				53				980				1,053				40
Real estate - commercial			9,789				10,141				1,139				9,792				10,143				1,139
Real estate - agricultural			542				617				-				546				1,001				-
Commercial			262				300				42				330				367				60
Agricultural			564				801				119				637				836				132
Consumer and other			24				28				20				27				31				21
		$	12,157			$	12,947			$	1,373			$	12,312			$	13,431			$	1,392

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

		Three Months Ended March 31,
		2022								2021
		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			664				3				361				-
Real estate - commercial			123				-				192				297
Real estate - agricultural			544				-				1,378				25
Commercial			227				4				546				-
Agricultural			289				-				360				13
Consumer and other			5				-				6				-
Total loans with no specific reserve:			1,852				7				3,010				335
With an allowance recorded:
Real estate - construction			-				-				-				-
Real estate - 1 to 4 family residential			314				-				509				-
Real estate - commercial			9,668				-				10,016				-
Real estate - agricultural			-				-				-				-
Commercial			70				-				333				-
Agricultural			312				-				443				-
Consumer and other			21				-				40				-
Total loans with specific reserve:			10,385				-				11,341				-
Total
Real estate - construction			-				-				167				-
Real estate - 1 to 4 family residential			978				3				870				-
Real estate - commercial			9,791				-				10,208				297
Real estate - agricultural			544				-				1,378				25
Commercial			297				4				879				-
Agricultural			601				-				803				13
Consumer and other			26				-				46				-
		$	12,237			$	7			$	14,351			$	335

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

		Three Months Ended March 31,
		2022												2021
						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			-				-				-				-				-				-
Real estate - agricultural			-				-				-				-				-				-
Commercial			-				-				-				1				58				58
Agricultural			-				-				-				-				-				-
Consumer and other			-				-				-				-				-				-
			-			$	-			$	-				3			$	211			$	211

Financing Receivable, Past Due [Table Text Block]

2022						90 Days																90 Days
		30-89				or Greater				Total												or Greater
		Past Due				Past Due				Past Due				Current				Total				Accruing
Real estate - construction		$	-			$	-			$	-			$	46,140			$	46,140			$	-
Real estate - 1 to 4 family residential			989				216				1,205				255,157				256,362				-
Real estate - commercial			24				-				24				507,574				507,598				-
Real estate - agricultural			408				-				408				151,728				152,136				-
Commercial			549				49				598				70,552				71,150				-
Agricultural			894				-				894				95,303				96,197				-
Consumer and other			15				-				15				16,632				16,647				-
		$	2,879			$	265			$	3,144			$	1,143,086			$	1,146,230			$	-

2021						90 Days																90 Days
		30-89				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				-
		$	1,724			$	497			$	2,221			$	1,158,446			$	1,160,667			$	169

Financing Receivable Credit Quality Indicators [Table Text Block]

2022		Construction				Commercial				Agricultural
		Real Estate				Real Estate				Real Estate				Commercial				Agricultural				Total
Pass		$	45,904			$	388,722			$	125,766			$	61,302			$	80,758			$	702,452
Watch			236				78,615				20,791				7,372				14,293				121,307
Special Mention			-				830				-				633				-				1,463
Substandard			-				29,642				5,037				1,581				582				36,842
Substandard-Impaired			-				9,789				542				262				564				11,157
		$	46,140			$	507,598			$	152,136			$	71,150			$	96,197			$	873,221

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
		$	42,638			$	515,367			$	153,457			$	75,482			$	111,881			$	898,825

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

2022		1-4 Family
		Residential				Consumer
		Real Estate				and Other				Total
Performing		$	255,386			$	16,623			$	272,009
Non-performing			976				24				1,000
		$	256,362			$	16,647			$	273,009

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
		$	246,745			$	15,097			$	261,842

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