Note 4 - Loans (Tables)

9 Months Ended

Sep. 30, 2019

Notes Tables

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

	September 30, 2019
	Legacy Loans		Purchased Loans		Total
Commercial and Agricultural
Commercial	$	52,085	$	24,147	$	76,232
Agricultural		20,462		279		20,741
Real Estate
Commercial Construction		64,280		9,720		74,000
Residential Construction		15,080		4,959		20,039
Commercial		392,681		58,019		450,700
Residential		172,853		25,801		198,654
Farmland		71,206		3,135		74,341
Consumer and Other
Consumer		18,071		4,685		22,756
Other		19,591		1,669		21,260
Total Loans	$	826,309	$	132,414	$	958,723

	December 31, 2018
	Legacy Loans		Purchased Loans		Total
Commercial and Agricultural
Commercial	$	50,181	$	7,229	$	57,410
Agricultural		15,993		806		16,799
Real Estate
Commercial Construction		46,609		1,240		47,849
Residential Construction		12,242		258		12,500
Commercial		366,792		6,742		373,534
Residential		185,699		2,015		187,714
Farmland		62,674		35		62,709
Consumer and Other
Consumer		18,423		62		18,485
Other		5,027		-		5,027
Total Loans	$	763,640	$	18,387	$	782,027

Financing Receivable Credit Quality Indicators [Table Text Block]

	Pass		Special Mention		Substandard		Total Loans
September 30, 2019
Commercial and Agricultural
Commercial	$	50,098	$	1,379	$	608	$	52,085
Agricultural		17,997		1,211		1,254		20,462
Real Estate
Commercial Construction		63,776		224		280		64,280
Residential Construction		15,080		-		-		15,080
Commercial		376,850		9,502		6,329		392,681
Residential		160,763		4,388		7,702		172,853
Farmland		64,291		3,787		3,128		71,206
Consumer and Other
Consumer		17,680		172		219		18,071
Other		19,591		-		-		19,591
Total Loans	$	786,126	$	20,663	$	19,520	$	826,309
December 31, 2018
Commercial and Agricultural
Commercial	$	48,579	$	729	$	873	$	50,181
Agricultural		14,858		637		498		15,993
Real Estate
Commercial Construction		45,847		45		717		46,609
Residential Construction		12,242		-		-		12,242
Commercial		351,397		7,662		7,733		366,792
Residential		168,035		7,107		10,557		185,699
Farmland		58,678		1,912		2,084		62,674
Consumer and Other
Consumer		18,042		59		322		18,423
Other		5,018		5		4		5,027
Total Loans	$	722,696	$	18,156	$	22,788	$	763,640

	Pass		Special Mention		Substandard		Total Loans
September 30, 2019
Commercial and Agricultural
Commercial	$	22,473	$	1,232	$	442	$	24,147
Agricultural		279		-		-		279
Real Estate
Commercial Construction		9,654		-		66		9,720
Residential Construction		4,959		-		-		4,959
Commercial		57,634		385		-		58,019
Residential		25,384		382		35		25,801
Farmland		3,098		-		37		3,135
Consumer and Other
Consumer		4,682		-		3		4,685
Other		1,669		-		-		1,669
Total Loans	$	129,832	$	1,999	$	583	$	132,414
December 31, 2018
Commercial and Agricultural
Commercial	$	7,229	$	-	$	-	$	7,229
Agricultural		806		-		-		806
Real Estate
Commercial Construction		1,240		-		-		1,240
Residential Construction		258		-		-		258
Commercial		6,742		-		-		6,742
Residential		2,015		-		-		2,015
Farmland		35		-		-		35
Consumer and Other
Consumer		62		-		-		62
Other		-		-		-		-
Total Loans	$	18,387	$	-	$	-	$	18,387

Financing Receivable, Past Due [Table Text Block]

	Accruing Loans
			90 Days
	30-89 Days		or More		Total Accruing		Nonaccrual
	Past Due		Past Due		Loans Past Due		Loans		Current Loans		Total Loans
September 30, 2019
Commercial and Agricultural
Commercial	$	165	$	-	$	165	$	460	$	51,460	$	52,085
Agricultural		71		-		71		1,214		19,177		20,462
Real Estate
Commercial Construction		89		-		89		10		64,181		64,280
Residential Construction		59		-		59		-		15,021		15,080
Commercial		497		-		497		1,567		390,617		392,681
Residential		1,083		-		1,083		3,605		168,165		172,853
Farmland		150		-		150		2,592		68,464		71,206
Consumer and Other
Consumer		109		-		109		124		17,838		18,071
Other		-		-		-		-		19,591		19,591
Total Loans	$	2,223	$	-	$	2,223	$	9,572	$	814,514	$	826,309
December 31, 2018
Commercial and Agricultural
Commercial	$	282	$	-	$	282	$	637	$	49,262	$	50,181
Agricultural		117		-		117		413		15,463		15,993
Real Estate
Commercial Construction		88		-		88		463		46,058		46,609
Residential Construction		-		-		-		-		12,242		12,242
Commercial		679		-		679		2,966		363,147		366,792
Residential		6,882		-		6,882		2,734		176,083		185,699
Farmland		76		-		76		2,052		60,546		62,674
Consumer and Other
Consumer		110		-		110		213		18,100		18,423
Other		-		-		-		4		5,023		5,027
Total Loans	$	8,234	$	-	$	8,234	$	9,482	$	745,924	$	763,640

	Accruing Loans
			90 Days
	30-89 Days		or More		Total Accruing		Nonaccrual
	Past Due		Past Due		Loans Past Due		Loans		Current Loans		Total Loans
September 30, 2019
Commercial and Agricultural
Commercial	$	491	$	-	$	491	$	442	$	23,214	$	24,147
Agricultural		-		-		-		-		279		279
Real Estate
Commercial Construction		-		-		-		66		9,654		9,720
Residential Construction		-		-		-		-		4,959		4,959
Commercial		-		-		-		-		58,019		58,019
Residential		35		-		35		23		25,743		25,801
Farmland		-		-		-		37		3,098		3,135
Consumer and Other
Consumer		4		-		4		3		4,678		4,685
Other		-		-		-		-		1,669		1,669
Total Loans	$	530	$	-	$	530	$	571	$	131,313	$	132,414
December 31, 2018
Commercial and Agricultural
Commercial	$	-	$	-	$	-	$	-	$	7,229	$	7,229
Agricultural		-		-		-		-		806		806
Real Estate
Commercial Construction		-		-		-		-		1,240		1,240
Residential Construction		-		-		-		-		258		258
Commercial		-		-		-		-		6,742		6,742
Residential		-		-		-		-		2,015		2,015
Farmland		-		-		-		-		35		35
Consumer and Other
Consumer		-		-		-		-		62		62
Other		-		-		-		-		-		-
Total Loans	$	-	$	-	$	-	$	-	$	18,387	$	18,387

Impaired Financing Receivables [Table Text Block]

September 30, 2019
	Unpaid
	Contractual						Average		Interest			Interest
	Principal		Impaired		Related		Recorded		Income			Income
	Balance		Balance		Allowance		Investment		Recognized			Collected
With No Related Allowance Recorded
Commercial	$	460	$	459	$	-	$	508	$	29		$	30
Agricultural		648		628		-		565		9			20
Commercial Construction		77		77		-		105		3			3
Residential Construction		-		-		-		89		-			-
Commercial Real Estate		9,300		9,300		-		11,581		346			352
Residential Real Estate		3,908		3,817		-		3,939		129			148
Farmland		2,593		2,591		-		2,332		(23	)		14
Consumer		163		128		-		151		4			5
Other		-		-		-		2		-			-
		17,149		17,000		-		19,272		497			572
With An Allowance Recorded
Commercial		398		403		152		111		8			8
Agricultural		587		587		586		294		9			33
Commercial Construction		-		-		-		100		-			-
Residential Construction		-		-		-		-		-			-
Commercial Real Estate		2,956		2,956		823		2,916		95			95
Residential Real Estate		266		266		48		268		17			17
Farmland		357		357		30		360		20			19
Consumer		-		-		-		-		-			-
Other		-		-		-		-		-			-
		4,564		4,569		1,639		4,049		149			172
Purchased Credit Impaired Loans
Commercial		67		39		-		20		-			-
Commercial Construction		120		66		-		34		1			1
Residential Real Estate		21		13		8		7		-			-
Farmland		237		37		-		19		1			1
Consumer		195		-		-		-		-			-
		640		155		8		80		2			2
Total
Commercial		925		901		152		639		37			38
Agricultural		1,235		1,215		586		859		18			53
Commercial Construction		197		143		-		239		4			4
Residential Construction		-		-		-		89		-			-
Commercial Real Estate		12,256		12,256		823		14,497		441			447
Residential Real Estate		4,195		4,096		56		4,214		146			165
Farmland		3,187		2,985		30		2,711		(2	)		34
Consumer		358		128		-		151		4			5
Other		-		-		-		2		-			-
	$	22,353	$	21,724	$	1,647	$	23,401	$	648		$	746

December 31, 2018
	Unpaid
	Contractual						Average		Interest		Interest
	Principal		Impaired		Related		Recorded		Income		Income
	Balance		Balance		Allowance		Investment		Recognized		Collected
With No Related Allowance Recorded
Commercial	$	595	$	595	$	-	$	526	$	21	$	24
Agricultural		434		413		-		383		18		25
Commercial Construction		132		132		-		69		8		8
Residential Contruction		-		-				-		-		-
Commercial Real Estate		12,164		12,164		-		11,040		582		583
Residential Real Estate		4,214		4,130		-		4,067		208		213
Farmland		2,054		2,052		-		1,361		53		82
Consumer		213		213		-		197		14		14
Other		4		4		-		1		-		-
		19,810		19,703		-		17,644		904		949
With An Allowance Recorded
Commercial		42		42		6		8		2		2
Agricultural		-		-		-		-		-		-
Commercial Construction		399		399		39		466		-		-
Residential Contruction		-		-		-		-		-		-
Commercial Real Estate		3,691		3,691		1,276		5,121		135		142
Residential Real Estate		274		274		61		98		8		8
Farmland		364		364		36		368		24		25
Consumer		-		-		-		-		-		-
Other		-		-		-		-		-		-
		4,770		4,770		1,418		6,061		169		177
Total
Commercial		637		637		6		534		23		26
Agricultural		434		413		-		383		18		25
Commercial Construction		531		531		39		535		8		8
Residential Contruction		-		-		-		-		-		-
Commercial Real Estate		15,855		15,855		1,276		16,161		717		725
Residential Real Estate		4,488		4,404		61		4,165		216		221
Farmland		2,418		2,416		36		1,729		77		107
Consumer		213		213		-		197		14		14
Other		4		4		-		1		-		-
	$	24,580	$	24,473	$	1,418	$	23,705	$	1,073	$	1,126

September 30, 2018
	Unpaid
	Contractual						Average		Interest		Interest
	Principal		Impaired		Related		Recorded		Income		Income
	Balance		Balance		Allowance		Investment		Recognized		Collected
With No Related Allowance Recorded
Commercial	$	472	$	472	$	-	$	508	$	13	$	15
Agricultural		444		423		-		375		14		21
Commercial Construction		102		102		-		54		3		3
Residential Contruction		-		-		-		-		-		-
Commercial Real Estate		9,758		9,758		-		10,759		345		352
Residential Real Estate		3,954		3,868		-		4,052		141		145
Farmland		2,067		2,065		-		1,189		46		75
Consumer		175		175		-		193		9		10
Other		-		-		-		-		-		-
		16,972		16,863		-		17,130		571		621
With An Allowance Recorded
Commercial		-		-		-		-		-		-
Agricultural		-		-		-		-		-		-
Commercial Construction		471		471		44		483		3		3
Residential Contruction		-		-		-		-		-		-
Commercial Real Estate		5,800		5,800		1,394		5,478		185		187
Residential Real Estate		35		35		20		54		2		2
Farmland		366		366		29		368		18		18
Consumer		-		-		-		-		-		-
Other		-		-		-		-		-		-
		6,672		6,672		1,487		6,383		208		210
Total
Commercial		472		472		-		508		13		15
Agricultural		444		423		-		375		14		21
Commercial Construction		573		573		44		537		6		6
Residential Contruction		-		-		-		-		-		-
Commercial Real Estate		15,558		15,558		1,394		16,237		530		539
Residential Real Estate		3,989		3,903		20		4,106		143		147
Farmland		2,433		2,431		29		1,557		64		93
Consumer		175		175		-		193		9		10
Other		-		-		-		-		-		-
	$	23,644	$	23,535	$	1,487	$	23,513	$	779	$	831