Note 4 - Loans (Tables)

12 Months Ended

Dec. 31, 2019

Notes Tables

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

(in thousands)	December 31, 2019			December 31, 2018
Commercial real estate:
Commercial real estate- construction	$	53,169		$	20,263
Commercial real estate- mortgages		475,146			460,701
Land		8,367			10,951
Farmland		70,320			62,604
Commercial and industrial		77,704			82,252
Consumer		1,274			1,314
Consumer residential		36,647			35,741
Agriculture		28,358			38,076
Total loans		750,985			711,902
Less:
Deferred loan fees and costs, net		(792	)		(997	)
Allowance for loan losses		(9,146	)		(8,685	)
Net loans	$	741,047		$	702,220

Financing Receivable, Nonaccrual [Table Text Block]

(in thousands)	December 31, 2019		December 31, 2018
Commercial real estate:
Land	$	855	$	906
Commercial and industrial		0		0
Consumer residential		248		14
Total non-accrual loans	$	1,103	$	920

Financing Receivable, Past Due [Table Text Block]

December 31, 2019	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Current		Total		Greater Than 90 Days Past Due and Still Accruing
Commercial real estate:
Commercial R.E. - construction	$	0	$	0	$	0	$	0	$	53,169	$	53,169	$	0
Commercial R.E. - mortgages		0		0		0		0		475,146		475,146		0
Land		0		0		0		0		8,367		8,367		0
Farmland		0		0		111		111		70,209		70,320		0
Commercial and industrial		0		0		0		0		77,704		77,704		0
Consumer		2		0		0		2		1,272		1,274		0
Consumer residential		0		0		137		137		36,510		36,647		0
Agriculture		0		0		0		0		28,358		28,358		0
Total	$	2	$	0	$	248	$	250	$	750,735	$	750,985	$	0

December 31, 2018	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Current		Total		Greater Than 90 Days Past Due and Still Accruing
Commercial real estate:
Commercial R.E. - construction	$	0	$	0	$	0	$	0	$	20,263	$	20,263	$	0
Commercial R.E. - mortgages		0		0		0		0		460,701		460,701		0
Land		0		0		906		906		10,045		10,951		0
Farmland		0		0		0		0		62,604		62,604		0
Commercial and industrial		0		2,100		0		2,100		80,152		82,252		0
Consumer		0		0		0		0		1,314		1,314		0
Consumer residential		0		62		0		62		35,679		35,741		0
Agriculture		0		0		0		0		38,076		38,076		0
Total	$	0	$	2,162	$	906	$	3,068	$	708,834	$	711,902	$	0

Impaired Financing Receivables [Table Text Block]

(in thousands)	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Average Recorded Investment
December 31, 2019
Commercial real estate:
Commercial R.E. - construction	$	0	$	0	$	0	$	0	$	0	$	0
Commercial R.E. - mortgages		0		0		0		0		0		0
Land		873		0		855		855		680		892
Farmland		0		0		0		0		0		0
Commercial and Industrial		0		0		0		0		0		0
Consumer		0		0		0		0		0		0
Consumer residential		312		248		0		248		0		113
Agriculture		0		0		0		0		0		0
Total	$	1,185	$	248	$	855	$	1,103	$	680	$	1,005

(in thousands)	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Average Recorded Investment
December 31, 2018
Commercial real estate:
Commercial R.E. - construction	$	0	$	0	$	0	$	0	$	0	$	0
Commercial R.E. - mortgages		0		0		0		0		0		0
Land		1,222		0		906		906		680		958
Farmland		0		0		0		0		0		0
Commercial and Industrial		32		0		0		0		0		176
Consumer		0		0		0		0		0		0
Consumer residential		15		14		0		14		0		14
Agriculture		0		0		0		0		0		0
Total	$	1,269	$	14	$	906	$	920	$	680	$	1,148

Financing Receivable Credit Quality Indicators [Table Text Block]

(in thousands)	Commercial R.E. Construction		Commercial R.E. Mortgages		Land		Farmland		Commercial and Industrial		Consumer		Consumer Residential		Agriculture		Total
December 31, 2019
Pass	$	53,169	$	471,594	$	7,512	$	69,002	$	74,960	$	1,249	$	36,470	$	26,512	$	740,468
Special mention		-		3,552		-		1,207		550		-		-		1,846		7,155
Substandard		-		-		855		111		2,194		25		177		-		3,362
Total loans	$	53,169	$	475,146	$	8,367	$	70,320	$	77,704	$	1,274	$	36,647	$	28,358	$	750,985
December 31, 2018
Pass	$	20,263	$	457,150	$	10,045	$	62,604	$	77,254	$	1,273	$	35,698	$	35,813	$	700,100
Special mention		-		2,868		-		-		2,898		-		-		2,263		8,029
Substandard		-		683		906		-		2,100		41		43		-		3,773
Total loans	$	20,263	$	460,701	$	10,951	$	62,604	$	82,252	$	1,314	$	35,741	$	38,076	$	711,902

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

Allowance for Loan Losses
For the Years Ended December 31, 2019 and 2018
(in thousands)	Commercial		Commercial						Consumer
Year Ended December 31, 2019	Real Estate		and Industrial			Consumer			Residential			Agriculture			Unallocated		Total
Beginning balance	$	6,580	$	1,065		$	39		$	304		$	693		$	4	$	8,685
Charge-offs		0		0			(28	)		(64	)		0			0		(92	)
Recoveries		0		0			6			2			0			0		8
Provision for (reversal of) loan losses		590		(65	)		21			64			(168	)		103		545
Ending balance	$	7,170	$	1,000		$	38		$	306		$	525		$	107	$	9,146

	Commercial		Commercial					Consumer
Year Ended December 31, 2018	Real Estate		and Industrial		Consumer			Residential			Agriculture		Unallocated		Total
Beginning balance	$	6,331	$	813	$	27		$	300		$	693	$	2	$	8,166
Charge-offs		0		0		(29	)		(17	)		0		0		(46	)
Recoveries		0		0		8			2			0		0		10
Provision for (reversal of) loan losses		249		252		33			19			0		2		555
Ending balance	$	6,580	$	1,065	$	39		$	304		$	693	$	4	$	8,685

(in thousands)	Commercial		Commercial				Consumer
December 31, 2019	Real Estate		and Industrial		Consumer		Residential		Agriculture		Unallocated		Total
Allowance for loan losses for loans:
Individually evaluated for impairment	$	680	$	0	$	0	$	0	$	0	$	0	$	680
Collectively evaluated for impairment		6,490		1,000		38		306		525		107		8,466
	$	7,170	$	1,000	$	38	$	306	$	525	$	107	$	9,146
Ending gross loan balances:
Individually evaluated for impairment	$	855	$	0	$	0	$	248	$	0	$	0	$	1,103
Collectively evaluated for impairment		606,147		77,704		1,274		36,399		28,358		0		749,882
	$	607,002	$	77,704	$	1,274	$	36,647	$	28,358	$	0	$	750,985
December 31, 2018
Allowance for loan losses for loans:
Individually evaluated for impairment	$	680	$	0	$	0	$	0	$	0	$	0	$	680
Collectively evaluated for impairment		5,900		1,065		39		304		693		4		8,005
	$	6,580	$	1,065	$	39	$	304	$	693	$	4	$	8,685
Ending gross loan balances:
Individually evaluated for impairment	$	906	$	0	$	0	$	14	$	0	$	0	$	920
Collectively evaluated for impairment		553,613		82,252		1,314		35,727		38,076		0		710,982
	$	554,519	$	82,252	$	1,314	$	35,741	$	38,076	$	0	$	711,902

Change in Allowance for Loan Losses [Table Text Block]

(in thousands)	YEARS ENDED DECEMBER 31,
	201 9		201 8
Balance, beginning of year	$	396	$	305
Provision charged to operations for off balance sheet		31		91
Balance, end of year	$	427	$	396

Weighted Average [Member]

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

	December 31, 2019		December 31, 2018
	Weighted Average Risk Grade		Weighted Average Risk Grade
Commercial real estate:
Commercial real estate - construction		3.00		3.00
Commercial real estate - mortgages		3.02		3.02
Land		3.72		3.58
Farmland		3.04		3.00
Commercial and industrial		3.05		3.08
Consumer		2.29		2.31
Consumer residential		3.02		3.01
Agriculture		3.17		3.12
Total gross loans		3.03		3.04