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

12 Months Ended

Dec. 31, 2019

Notes Tables

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

	In Thousands
	2019			2018
Mortgage loans on real estate:
Residential 1-4 family	$	511,250			460,692
Multifamily		97,104			134,613
Commercial		793,379			701,055
Construction		425,185			518,245
Farmland		19,268			24,071
Second mortgages		10,760			11,197
Equity lines of credit		72,379			62,013
Total mortgage loans on real estate		1,929,325			1,911,886
Commercial loans		98,265			78,245
Agricultural loans		1,569			1,985
Consumer installment loans:
Personal		50,532			45,072
Credit cards		4,302			3,687
Total consumer installment loans		54,834			48,759
Other loans		9,049			9,324
		2,093,042			2,050,199
Net deferred loan fees		(7,141	)		(7,020	)
Total loans		2,085,901			2,043,179
Less: Allowance for loan losses		(28,726	)		(27,174	)
Loans, net	$	2,057,175			2,016,005

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

	In Thousands
	December 31,
	2019			2018
Balance, January 1	$	13,019			7,759
New loans and renewals during the year		31,548			17,278
Repayments (including loans paid by renewal) during the year		(31,689	)		(12,018	)
Balance, December 31	$	12,878			13,019

Impaired Financing Receivables [Table Text Block]

	In Thousands
	Recorded		Unpaid Principal				Average Recorded		Interest Income
	Investment		Balance		Related Allowance		Investment		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

	In Thousands
	Recorded		Unpaid Principal				Average Recorded		Interest Income
	Investment		Balance		Related Allowance		Investment		Recognized
December 31, 2019
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

	In Thousands
	Recorded		Unpaid Principal				Average Recorded		Interest Income
	Investment		Balance		Related Allowance		Investment		Recognized
December 31, 2019
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

	In Thousands
	Recorded		Unpaid Principal				Average Recorded		Interest Income
	Investment		Balance		Related Allowance		Investment		Recognized
December 31, 2018
With no related allowance recorded:
Residential 1-4 family	$	1,196		1,795		—		1,862		42
Multifamily		—		—		—		—		—
Commercial real estate		317		316		—		320		16
Construction		690		686		—		822		42
Farmland		—		—		—		233		—
Second mortgages		—		—		—		—		—
Equity lines of credit		—		—		—		—		—
Commercial		—		—		—		—		—
Agricultural, installment and other		—		—		—		—		—
	$	2,203		2,797		—		3,237		100

	In Thousands
	Recorded		Unpaid Principal				Average Recorded		Interest Income
	Investment		Balance		Related Allowance		Investment		Recognized
December 31, 2018
With allowance recorded:
Residential 1-4 family	$	1,641		1,635		852		1,782		77
Multifamily		—		—		—		—		—
Commercial real estate		1,515		1,515		312		2,001		17
Construction		—		—		—		—		—
Farmland		—		—		—		—		—
Second mortgages		—		—		—		—		—
Equity lines of credit		—		—		—		—		—
Commercial		—		—		—		—		—
Agricultural, installment and other		—		—		—		—		—
	$	3,156		3,150		1,164		3,783		94

	In Thousands
	Recorded		Unpaid Principal				Average Recorded		Interest Income
	Investment		Balance		Related Allowance		Investment		Recognized
December 31, 2018
Total:
Residential 1-4 family	$	2,837		3,430		852		3,644		119
Multifamily		—		—		—		—		—
Commercial real estate		1,832		1,831		312		2,321		33
Construction		690		686		—		822		42
Farmland		—		—		—		233		—
Second mortgages		—		—		—		—		—
Equity lines of credit		—		—		—		—		—
Commercial		—		—		—		—		—
Agricultural, installment and other		—		—		—		—		—
	$	5,359		5,947		1,164		7,020		194

Financing Receivable, Nonaccrual [Table Text Block]

	In Thousands
	2019		2018
Residential 1-4 family	$	949		948
Multifamily		—		—
Commercial real estate		1,661		1,102
Construction		—		—
Farmland		—		—
Second mortgages		—		—
Equity lines of credit		—		—
Commercial		—		—
Agricultural, installment and other		—		—
Total	$	2,610		2,050

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, 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
Doubtful		—		—		—		—		—		—		—		—		—		—
Total	$	511,250		97,104		793,379		425,185		19,268		10,760		72,379		98,265		65,452		2,093,042
December 31, 2018
Pass	$	452,411		134,613		698,083		518,123		23,895		10,979		61,927		78,206		59,923		2,038,160
Special mention		3,949		—		1,690		64		112		179		—		39		78		6,111
Substandard		4,332		—		1,282		58		64		39		86		—		67		5,928
Doubtful		—		—		—		—		—		—		—		—		—		—
Total	$	460,692		134,613		701,055		518,245		24,071		11,197		62,013		78,245		60,068		2,050,199

Financing Receivable, Past Due [Table Text Block]

	In Thousands
													Recorded
													Investment
					Nonaccrual		Total						Greater Than
	30-59 Days		60-89 Days		and Greater		Nonaccrual						90 Days and
	Past Due		Past Due		Than 90 Days		Past Due		Current		Total Loans		Accruing
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
December 31, 2018
Residential 1-4 family	$	3,258		1,092		1,868		6,218		454,474		460,692		920
Multifamily		—		—		—		—		134,613		134,613		—
Commercial real estate		312		109		1,174		1,595		699,460		701,055		72
Construction		1,567		26		32		1,625		516,620		518,245		32
Farmland		43		9		21		73		23,998		24,071		21
Second mortgages		333		—		—		333		10,864		11,197		—
Equity lines of credit		297		—		45		342		61,671		62,013		45
Commercial		93		—		24		117		78,128		78,245		24
Agricultural, installment and other		407		85		95		587		59,481		60,068		95
Total	$	6,310		1,321		3,259		10,890		2,039,309		2,050,199		1,209

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, 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

	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, 2018
Allowance for loan losses:
Beginning balance	$	5,156			1,011		9,267		6,094			487			94		723		401		676			23,909
Provision		1,568			470		436		921			(266	)		24		7		218		920			4,298
Charge-offs		(492	)		—		—		(19	)		—			—		—		—		(1,152	)		(1,663	)
Recoveries		65			—		50		88			—			—		1		3		423			630
Ending balance	$	6,297			1,481		9,753		7,084			221			118		731		622		867			27,174
Ending balance individually evaluated for impairment	$	852			—		312		—			—			—		—		—		—			1,164
Ending balance collectively evaluated for impairment	$	5,445			1,481		9,441		7,084			221			118		731		622		867			26,010
Loans:
Ending balance	$	460,692			134,613		701,055		518,245			24,071			11,197		62,013		78,245		60,068			2,050,199
Ending balance individually evaluated for impairment	$	2,829			—		1,831		686			—			—		—		—		—			5,346
Ending balance collectively evaluated for impairment	$	457,863			134,613		699,224		517,559			24,071			11,197		62,013		78,245		60,068			2,044,853

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	2019		2018
Performing TDRs	$	3,080		1,676
Nonperforming TDRs		1,467		816
Total TDRs	$	4,547		2,492

	December 31, 2019						December 31, 2018
					Post Modification						Post Modification
			Pre Modification		Outstanding				Pre Modification		Outstanding
			Outstanding		Recorded				Outstanding		Recorded
	Number of		Recorded		Investment, Net of		Number of		Recorded		Investment, Net of
	Contracts		Investment		Related Allowance		Contracts		Investment		Related Allowance
Residential 1-4 family		1	$	1,338	$	619		4	$	448	$	448
Multifamily		—		—		—		—		—		—
Commercial real estate		4		2,677		2,399		—		—		—
Construction		—		—		—		—		—		—
Farmland		—		—		—		—		—		—
Second mortgages		—		—		—		—		—		—
Equity lines of credit		—		—		—		—		—		—
Commercial		—		—		—		—		—		—
Agricultural, installment and other		—		—		—		2		5		5
Total		5	$	4,015	$	3,018		6	$	453	$	453