Note 2 - Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2020

Notes Tables

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

	In Thousands
	2020			2019
Mortgage loans on real estate:
Residential 1-4 family	$	535,994			511,250
Multifamily		111,646			97,104
Commercial		837,766			793,379
Construction		488,626			425,185
Farmland		15,429			19,268
Second mortgages		8,433			10,760
Equity lines of credit		78,889			72,379
Total mortgage loans on real estate		2,076,783			1,929,325
Commercial loans		172,811			98,265
Agricultural loans		1,206			1,569
Consumer installment loans:
Personal		66,193			50,532
Credit cards		4,324			4,302
Total consumer installment loans		70,517			54,834
Other loans		9,283			9,049
		2,330,600			2,093,042
Net deferred loan fees		(9,295	)		(7,141	)
Total loans		2,321,305			2,085,901
Less: Allowance for loan losses		(38,539	)		(28,726	)
Loans, net	$	2,282,766			2,057,175

Financing Receivable, Nonaccrual [Table Text Block]

	In Thousands
	2020		2019
Residential 1-4 family	$	1,022		949
Multifamily		—		—
Commercial real estate		311		1,661
Construction		—		—
Farmland		—		—
Second mortgages		—		—
Equity lines of credit		—		—
Commercial		—		—
Agricultural, installment and other		—		—
Total	$	1,333		2,610

Financing Receivable Credit Quality Indicators [Table Text Block]

	In Thousands
																	Agricultural,
	Residential 1-4				Commercial						Second		Equity Lines				Installment and
	Family		Multifamily		Real Estate		Construction		Farmland		Mortgages		of Credit		Commercial		Other		Total
Credit Risk Profile by Internally Assigned Grade
December 31, 2020
Pass	$	529,546		111,646		837,028		488,571		15,301		8,148		78,565		172,779		80,770		2,322,354
Special mention		2,745		—		149		27		79		169		314		—		156		3,639
Substandard		3,703		—		589		28		49		116		10		32		80		4,607
Total	$	535,994		111,646		837,766		488,626		15,429		8,433		78,889		172,811		81,006		2,330,600
December 31, 2019
Pass	$	503,861		97,104		791,610		424,517		19,106		10,458		72,237		98,243		65,255		2,082,391
Special mention		2,923		—		—		635		103		174		—		—		101		3,936
Substandard		4,466		—		1,769		33		59		128		142		22		96		6,715
Total	$	511,250		97,104		793,379		425,185		19,268		10,760		72,379		98,265		65,452		2,093,042

Financing Receivable, Past Due [Table Text Block]

	In Thousands
	30-59 Days Past Due		60-89 Days Past Due		Nonaccrual and Greater Than 90 Days		Total Nonaccrual and Past Due		Current		Total Loans		Recorded Investment Greater Than 90 Days and Accruing
December 31, 2020
Residential 1-4 family	$	2,634		511		1,818		4,963		531,031		535,994	$	796
Multifamily		—		—		—		—		111,646		111,646		—
Commercial real estate		—		—		460		460		837,306		837,766		149
Construction		768		—		44		812		487,814		488,626		44
Farmland		—		—		—		—		15,429		15,429		—
Second mortgages		265		—		—		265		8,168		8,433		—
Equity lines of credit		31		302		—		333		78,556		78,889		—
Commercial		114		104		—		218		172,593		172,811		—
Agricultural, installment and other		363		81		60		504		80,502		81,006		60
Total	$	4,175		998		2,382		7,555		2,323,045		2,330,600	$	1,049
December 31, 2019
Residential 1-4 family	$	4,760		799		2,336		7,895		503,355		511,250	$	1,387
Multifamily		—		—		—		—		97,104		97,104		—
Commercial real estate		500		—		1,661		2,161		791,218		793,379		—
Construction		1,535		147		594		2,276		422,909		425,185		594
Farmland		57		—		8		65		19,203		19,268		8
Second mortgages		—		—		100		100		10,660		10,760		100
Equity lines of credit		143		—		372		515		71,864		72,379		372
Commercial		71		30		—		101		98,164		98,265		—
Agricultural, installment and other		517		116		46		679		64,773		65,452		46
Total	$	7,583		1,092		5,117		13,792		2,079,250		2,093,042	$	2,507

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

	In Thousands
																					Agricultural,
	Residential 1-4				Commercial							Second			Equity Lines						Installment and
	Family		Multifamily		Real Estate		Construction		Farmland			Mortgages			of Credit			Commercial			Other			Total
December 31, 2020
Allowance for loan losses:
Beginning balance	$	7,144		1,117		11,114		5,997		187			123			889			1,044			1,111			28,726
Provision		920		424		5,388		1,766		(33	)		(37	)		74			343			851			9,696
Charge-offs		—		—		—		—		—			—			(7	)		(9	)		(898	)		(914	)
Recoveries		34		—		300		173		—			19			41			—			464			1,031
Ending balance	$	8,098		1,541		16,802		7,936		154			105			997			1,378			1,528			38,539
Ending balance individually evaluated for impairment	$	594		—		148		—		—			—			—			—			—			742
Ending balance collectively evaluated for impairment	$	7,504		1,541		16,654		7,936		154			105			997			1,378			1,528			37,797
Loans:
Ending balance	$	535,994		111,646		837,766		488,626		15,429			8,433			78,889			172,811			81,006			2,330,600
Ending balance individually evaluated for impairment	$	2,399		—		970		—		—			—			—			—			—			3,369
Ending balance collectively evaluated for impairment	$	533,595		111,646		836,796		488,626		15,429			8,433			78,889			172,811			81,006			2,327,231

	In Thousands
																							Agricultural,
	Residential 1-4						Commercial									Second		Equity Lines					Installment and
	Family			Multifamily			Real Estate			Construction			Farmland			Mortgages		of Credit		Commercial			Other			Total
December 31, 2019
Allowance for loan losses:
Beginning balance	$	6,297			1,481			9,753			7,084			221			118		731		622			867			27,174
Provision		838			(364	)		1,484			(1,510	)		(34	)		5		158		422			1,041			2,040
Charge-offs		(15	)		—			(173	)		—			—			—		—		(15	)		(1,160	)		(1,363	)
Recoveries		24			—			50			423			—			—		—		15			363			875
Ending balance	$	7,144			1,117			11,114			5,997			187			123		889		1,044			1,111			28,726
Ending balance individually evaluated for impairment	$	795			—			341			—			—			—		—		—			—			1,136
Ending balance collectively evaluated for impairment	$	6,349			1,117			10,773			5,997			187			123		889		1,044			1,111			27,590
Loans:
Ending balance	$	511,250			97,104			793,379			425,185			19,268			10,760		72,379		98,265			65,452			2,093,042
Ending balance individually evaluated for impairment	$	2,569			—			2,471			—			—			—		—		—			—			5,040
Ending balance collectively evaluated for impairment	$	508,681			97,104			790,908			425,185			19,268			10,760		72,379		98,265			65,452			2,088,002

Impaired Financing Receivables [Table Text Block]

	In Thousands
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
December 31, 2020
With no related allowance recorded:
Residential 1-4 family	$	1,162		1,507		—		395		26
Multifamily		—		—		—		—		—
Commercial real estate		311		311		—		311		—
Construction		—		—		—		—		—
Farmland		—		—		—		—		—
Second mortgages		—		—		—		—		—
Equity lines of credit		—		—		—		—		—
Commercial		—		—		—		—		—
Agricultural, installment and other		—		—		—		—		—
	$	1,473		1,818		—		706		26
With allowance recorded:
Residential 1-4 family	$	1,242		1,240		594		1,273		66
Multifamily		—		—		—		—		—
Commercial real estate		662		659		148		676		22
Construction		—		—		—		—		—
Farmland		—		—		—		—		—
Second mortgages		—		—		—		—		—
Equity lines of credit		—		—		—		—		—
Commercial		—		—		—		—		—
Agricultural, installment and other		—		—		—		—		—
	$	1,904		1,899		742		1,949		88
Total:
Residential 1-4 family	$	2,404		2,747		594		1,668		92
Multifamily		—		—		—		—		—
Commercial real estate		973		970		148		987		22
Construction		—		—		—		—		—
Farmland		—		—		—		—		—
Second mortgages		—		—		—		—		—
Equity lines of credit		—		—		—		—		—
Commercial		—		—		—		—		—
Agricultural, installment and other		—		—		—		—		—
	$	3,377		3,717		742		2,655		114

	In Thousands
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
December 31, 2019
With no related allowance recorded:
Residential 1-4 family	$	1,090		1,464		—		1,090		99
Multifamily		—		—		—		—		—
Commercial real estate		951		1,124		—		910		17
Construction		—		—		—		—		—
Farmland		—		—		—		—		—
Second mortgages		—		—		—		—		—
Equity lines of credit		—		—		—		—		—
Commercial		—		—		—		—		—
Agricultural, installment and other		—		—		—		—		—
	$	2,041		2,588		—		2,000		116
With allowance recorded:
Residential 1-4 family	$	1,489		1,480		795		1,590		83
Multifamily		—		—		—		—		—
Commercial real estate		1,522		1,520		341		2,015		17
Construction		—		—		—		—		—
Farmland		—		—		—		—		—
Second mortgages		—		—		—		—		—
Equity lines of credit		—		—		—		—		—
Commercial		—		—		—		—		—
Agricultural, installment and other		—		—		—		—		—
	$	3,011		3,000		1,136		3,605		100
Total:
Residential 1-4 family	$	2,579		2,944		795		2,680		182
Multifamily		—		—		—		—		—
Commercial real estate		2,473		2,644		341		2,925		34
Construction		—		—		—		—		—
Farmland		—		—		—		—		—
Second mortgages		—		—		—		—		—
Equity lines of credit		—		—		—		—		—
Commercial		—		—		—		—		—
Agricultural, installment and other		—		—		—		—		—
	$	5,052		5,588		1,136		5,605		216

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	2020		2019
Performing TDRs	$	2,147		3,080
Nonperforming TDRs		529		1,467
Total TDRs	$	2,676		4,547

	December 31, 2020						December 31, 2019
	Number of Contracts		Pre Modification Outstanding Recorded Investment		Post Modification Outstanding Recorded Investment, Net of Related Allowance		Number of Contracts		Pre Modification Outstanding Recorded Investment		Post Modification Outstanding Recorded Investment, Net of Related Allowance
Residential 1-4 family		—	$	—	$	—		1	$	1,338	$	619
Multifamily		—		—		—		—		—		—
Commercial real estate		1		111		132		4		2,677		2,399
Construction		—		—		—		—		—		—
Farmland		—		—		—		—		—		—
Second mortgages		—		—		—		—		—		—
Equity lines of credit		—		—		—		—		—		—
Commercial		—		—		—		—		—		—
Agricultural, installment and other		—		—		—		—		—		—
Total		1	$	111	$	132		5	$	4,015	$	3,018

Schedule of Loans Receivable to Related Parties [Table Text Block]

	In Thousands
	December 31,
	2020			2019
Balance, January 1	$	12,878			13,019
New loans and renewals during the year		11,153			31,548
Repayments (including loans paid by renewal) during the year		(16,356	)		(31,689	)
Balance, December 31	$	7,675			12,878