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Note 7 - Loans Receivable and Credit Disclosures (Tables)

6 Months Ended

Jun. 30, 2022

Notes Tables

Schedule of Composition of Loans Receivable [Table Text Block]

		2022				2021
Real estate - construction		$	41,151			$	42,638
Real estate - 1 to 4 family residential			261,690				246,745
Real estate - commercial			515,250				515,367
Real estate - agricultural			158,897				153,457
Commercial 1			72,065				75,482
Agricultural			91,929				111,881
Consumer and other			15,696				15,097
			1,156,678				1,160,667
Less:
Allowance for loan losses			(16,420	)			(16,621	)
Deferred loan (fees) and costs, net			351				62
Loans receivable, net		$	1,140,609			$	1,144,108

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

		Three Months Ended June 30, 2022
						1-4 Family
		Construction				Residential				Commercial				Agricultural												Consumer
		Real Estate				Real Estate				Real Estate				Real Estate				Commercial				Agricultural				and Other				Total
Balance, March 31, 2022		$	645			$	2,899			$	8,314			$	1,630			$	1,152			$	1,606			$	238			$	16,484
Provision (credit) for loan losses			(39	)			24				45				62				(28	)			(122	)			(1	)			(59	)
Recoveries of loans charged-off			-				3				1				-				1				-				3				8
Loans charged-off			-				(6	)			-				-				-				-				(7	)			(13	)
Balance, June 30, 2022		$	606			$	2,920			$	8,360			$	1,692			$	1,125			$	1,484			$	233			$	16,420

		Six Months Ended June 30, 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			(69	)			174				(47	)			108				(47	)			(352	)			47				(186	)
Recoveries of loans charged-off			-				4				1				-				2				-				4				11
Loans charged-off			-				(10	)			-				-				-				-				(16	)			(26	)
Balance, June 30, 2022		$	606			$	2,920			$	8,360			$	1,692			$	1,125			$	1,484			$	233			$	16,420

		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

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		$	-			$	-			$	1,065			$	-			$	2			$	100			$	19			$	1,186
Collectively evaluated for impairment			606				2,920				7,295				1,692				1,123				1,384				214				15,234
Balance June 30, 2022		$	606			$	2,920			$	8,360			$	1,692			$	1,125			$	1,484			$	233			$	16,420

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		$	-			$	722			$	9,713			$	171			$	241			$	330			$	22			$	11,199
Collectively evaluated for impairment			41,151				260,968				505,537				158,726				71,824				91,599				15,674				1,145,479
Balance June 30, 2022		$	41,151			$	261,690			$	515,250			$	158,897			$	72,065			$	91,929			$	15,696			$	1,156,678

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			722				799				-				677				739				-
Real estate - commercial			118				139				-				124				142				-
Real estate - agricultural			171				194				-				546				1,001				-
Commercial			207				248				-				233				269				-
Agricultural			30				38				-				322				521				-
Consumer and other			3				5				-				6				8				-
Total loans with no specific reserve:			1,251				1,423				-				1,908				2,680				-
With an allowance recorded:
Real estate - construction			-				-				-				-				-				-
Real estate - 1 to 4 family residential			-				-				-				303				314				40
Real estate - commercial			9,595				10,001				1,065				9,668				10,001				1,139
Real estate - agricultural			-				-				-				-				-				-
Commercial			34				35				2				97				98				60
Agricultural			300				315				100				315				315				132
Consumer and other			19				21				19				21				23				21
Total loans with specific reserve:			9,948				10,372				1,186				10,404				10,751				1,392
Total
Real estate - construction			-				-				-				-				-				-
Real estate - 1 to 4 family residential			722				799				-				980				1,053				40
Real estate - commercial			9,713				10,140				1,065				9,792				10,143				1,139
Real estate - agricultural			171				194				-				546				1,001				-
Commercial			241				283				2				330				367				60
Agricultural			330				353				100				637				836				132
Consumer and other			22				26				19				27				31				21
		$	11,199			$	11,795			$	1,186			$	12,312			$	13,431			$	1,392

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

		Three Months Ended June 30,
		2022								2021
		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			687				14				619				11
Real estate - commercial			120				-				139				-
Real estate - agricultural			357				14				860				-
Commercial			214				1				544				-
Agricultural			143				-				328				1
Consumer and other			4				-				4				-
Total loans with no specific reserve:			1,525				29				2,578				12
With an allowance recorded:
Real estate - construction			-				-				-				-
Real estate - 1 to 4 family residential			163				1				57				-
Real estate - commercial			9,632				-				10,016				-
Real estate - agricultural			-				-				-				-
Commercial			38				-				-				-
Agricultural			305				-				371				-
Consumer and other			20				-				40				-
Total loans with specific reserve:			10,158				1				10,484				-
Total
Real estate - construction			-				-				84				-
Real estate - 1 to 4 family residential			850				15				676				11
Real estate - commercial			9,752				-				10,155				-
Real estate - agricultural			357				14				860				-
Commercial			252				1				544				-
Agricultural			448				-				699				1
Consumer and other			24				-				44				-
		$	11,683			$	30			$	13,062			$	12

		Six Months Ended June 30,
		2022								2021
		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			683				17				551				11
Real estate - commercial			121				-				173				297
Real estate - agricultural			420				14				1,128				25
Commercial			220				5				454				-
Agricultural			202				-				344				14
Consumer and other			4				-				5				-
Total loans with no specific reserve:			1,650				36				2,766				347
With an allowance recorded:
Real estate - construction			-				-				-				-
Real estate - 1 to 4 family residential			209				1				346				-
Real estate - commercial			9,644				-				10,016				-
Real estate - agricultural			-				-				-				-
Commercial			58				-				222				-
Agricultural			308				-				408				-
Consumer and other			20				-				39				-
Total loans with specific reserve:			10,239				1				11,031				-
Total
Real estate - construction			-				-				111				-
Real estate - 1 to 4 family residential			892				18				897				11
Real estate - commercial			9,765				-				10,189				297
Real estate - agricultural			420				14				1,128				25
Commercial			278				5				676				-
Agricultural			510				-				752				14
Consumer and other			24				-				44				-
		$	11,889			$	37			$	13,797			$	347

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

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

		Six Months Ended June 30,
		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			-				-				-				3				578				578
Real estate - commercial			-				-				-				-				-				-
Real estate - agricultural			-				-				-				-				-				-
Commercial			-				-				-				1				58				58
Agricultural			-				-				-				-				-				-
Consumer and other			-				-				-				-				-				-
			-			$	-			$	-				4			$	636			$	636

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		$	-			$	-			$	-			$	41,151			$	41,151			$	-
Real estate - 1 to 4 family residential			741				-				741				260,949				261,690				-
Real estate - commercial			23				-				23				515,227				515,250				-
Real estate - agricultural			186				-				186				158,711				158,897				-
Commercial			462				34				496				71,569				72,065				-
Agricultural			46				12				58				91,871				91,929				-
Consumer and other			27				-				27				15,669				15,696				-
		$	1,485			$	46			$	1,531			$	1,155,147			$	1,156,678			$	-

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		$	40,919			$	404,173			$	134,190			$	62,805			$	75,826			$	717,913
Watch			232				75,812				19,471				7,520				15,253				118,288
Special Mention			-				-				-				-				-				-
Substandard			-				25,552				5,065				1,499				520				32,636
Substandard-Impaired			-				9,713				171				241				330				10,455
		$	41,151			$	515,250			$	158,897			$	72,065			$	91,929			$	879,292

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		$	260,968			$	15,674			$	276,642
Non-performing			722				22				744
		$	261,690			$	15,696			$	277,386

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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