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Note 3 - Loans and Allowance for Loan Losses (Tables)
3 Months Ended
Mar. 31, 2020
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
                                   
Percent
 
   
March 31, 2020
   
December 31, 2019
   
Increase
 
   
Balance
   
%
   
Balance
   
%
   
(Decrease)
 
                                         
Commercial:
                                       
Commercial and industrial
  $
873,679,000
     
30.1
%
  $
846,551,000
     
29.6
%
   
3.2
%
Vacant land, land development, and residential construction
   
62,908,000
     
2.2
     
56,119,000
     
2.0
     
12.1
 
Real estate – owner occupied
   
579,229,000
     
20.0
     
579,003,000
     
20.3
     
0.1
 
Real estate – non-owner occupied
   
823,366,000
     
28.3
     
835,346,000
     
29.2
     
(1.4
)
Real estate – multi-family and residential rental
   
133,148,000
     
4.6
     
124,525,000
     
4.4
     
6.9
 
Total commercial
   
2,472,330,000
     
85.2
     
2,441,544,000
     
85.5
     
1.3
 
                                         
Retail:
                                       
Home equity and other
   
72,875,000
     
2.5
     
75,374,000
     
2.6
     
(3.3
)
1-4 family mortgages
   
356,338,000
     
12.3
     
339,749,000
     
11.9
     
4.9
 
Total retail
   
429,213,000
     
14.8
     
415,123,000
     
14.5
     
3.4
 
                                         
Total loans
  $
2,901,543,000
     
100.0
%
  $
2,856,667,000
     
100.0
%
   
1.6
%
Financing Receivable, Nonaccrual [Table Text Block]
   
March 31,
   
December 31,
 
   
2020
   
2019
 
                 
Loans past due 90 days or more still accruing interest
  $
0
    $
0
 
Nonaccrual loans
   
3,469,000
     
2,284,000
 
                 
Total nonperforming loans
  $
3,469,000
    $
2,284,000
 
   
March 31,
   
December 31,
 
   
2020
   
2019
 
Commercial:
               
Commercial and industrial
  $
156,000
    $
0
 
Vacant land, land development, and residential construction
   
326,000
     
0
 
Real estate – owner occupied
   
287,000
     
134,000
 
Real estate – non-owner occupied
   
0
     
0
 
Real estate – multi-family and residential rental
   
1,000
     
2,000
 
Total commercial
   
770,000
     
136,000
 
                 
Retail:
               
Home equity and other
   
279,000
     
255,000
 
1-4 family mortgages
   
2,420,000
     
1,893,000
 
Total retail
   
2,699,000
     
2,148,000
 
                 
Total nonperforming loans
  $
3,469,000
    $
2,284,000
 
Financing Receivable, Past Due [Table Text Block]
   
30 – 59
Days
Past Due
   
60 – 89
Days
Past Due
   
Greater
Than 89
Days
Past Due
   
Total
Past Due
   
Current
   
Total
Loans
   
Recorded
Balance
> 89
Days and Accruing
 
                                                         
Commercial:
                                                       
Commercial and industrial
  $
123,000
    $
579,000
    $
0
    $
702,000
    $
872,977,000
    $
873,679,000
    $
0
 
Vacant land, land development, and residential construction
   
482,000
     
0
     
43,000
     
525,000
     
62,383,000
     
62,908,000
     
0
 
Real estate – owner occupied
   
0
     
0
     
232,000
     
232,000
     
578,997,000
     
579,229,000
     
0
 
Real estate – non-owner occupied
   
0
     
0
     
0
     
0
     
823,366,000
     
823,366,000
     
0
 
Real estate – multi-family and residential rental
   
181,000
     
0
     
0
     
181,000
     
132,967,000
     
133,148,000
     
0
 
Total commercial
   
786,000
     
579,000
     
275,000
     
1,640,000
     
2,470,690,000
     
2,472,330,000
     
0
 
                                                         
Retail:
                                                       
Home equity and other
   
172,000
     
27,000
     
58,000
     
257,000
     
72,618,000
     
72,875,000
     
0
 
1-4 family mortgages
   
514,000
     
0
     
381,000
     
895,000
     
355,443,000
     
356,338,000
     
0
 
Total retail
   
686,000
     
27,000
     
439,000
     
1,152,000
     
428,061,000
     
429,213,000
     
0
 
                                                         
Total past due loans
  $
1,472,000
    $
606,000
    $
714,000
    $
2,792,000
    $
2,898,751,000
    $
2,901,543,000
    $
0
 
   
30 – 59
Days
Past Due
   
60 – 89
Days
Past Due
   
Greater
Than 89
Days
Past Due
   
Total
Past Due
   
Current
   
Total
Loans
   
Recorded
Balance
> 89
Days and
Accruing
 
                                                         
Commercial:
                                                       
Commercial and industrial
  $
0
    $
0
    $
0
    $
0
    $
846,551,000
    $
846,551,000
    $
0
 
Vacant land, land development, and residential construction
   
191,000
     
0
     
0
     
191,000
     
55,928,000
     
56,119,000
     
0
 
Real estate – owner occupied
   
0
     
0
     
134,000
     
134,000
     
578,869,000
     
579,003,000
     
0
 
Real estate – non-owner occupied
   
0
     
0
     
0
     
0
     
835,346,000
     
835,346,000
     
0
 
Real estate – multi-family and residential rental
   
0
     
0
     
0
     
0
     
124,525,000
     
124,525,000
     
0
 
Total commercial
   
191,000
     
0
     
134,000
     
325,000
     
2,441,219,000
     
2,441,544,000
     
0
 
                                                         
Retail:
                                                       
Home equity and other
   
171,000
     
65,000
     
20,000
     
256,000
     
75,118,000
     
75,374,000
     
0
 
1-4 family mortgages
   
745,000
     
29,000
     
529,000
     
1,303,000
     
338,446,000
     
339,749,000
     
0
 
Total retail
   
916,000
     
94,000
     
549,000
     
1,559,000
     
413,564,000
     
415,123,000
     
0
 
                                                         
Total past due loans
  $
1,107,000
    $
94,000
    $
683,000
    $
1,884,000
    $
2,854,783,000
    $
2,856,667,000
    $
0
 
Impaired Financing Receivables [Table Text Block]
                           
First Quarter
 
   
Unpaid
     
 
     
 
   
Average
 
   
Contractual
   
Recorded
     
 
   
Recorded
 
   
Principal
   
Principal
   
Related
   
Principal
 
   
Balance
   
Balance
   
Allowance
   
Balance
 
With no related allowance recorded:
                               
Commercial:
                               
Commercial and industrial
  $
10,167,000
    $
10,167,000
    $
0
    $
9,148,000
 
Vacant land, land development and residential construction
   
199,000
     
199,000
     
0
     
142,000
 
Real estate – owner occupied
   
4,905,000
     
4,857,000
     
0
     
2,762,000
 
Real estate – non-owner occupied
   
0
     
0
     
0
     
89,000
 
Real estate – multi-family and residential rental
   
26,000
     
5,000
     
0
     
7,000
 
Total commercial
   
15,297,000
     
15,228,000
     
0
     
12,148,000
 
                                 
Retail:
                               
Home equity and other
   
1,359,000
     
1,273,000
     
0
     
1,241,000
 
1-4 family mortgages
   
4,851,000
     
2,683,000
     
0
     
2,325,000
 
Total retail
   
6,210,000
     
3,956,000
     
0
     
3,566,000
 
                                 
Total with no related allowance recorded
  $
21,507,000
    $
19,184,000
    $
0
    $
15,714,000
 
                           
First Quarter
 
   
Unpaid
     
 
     
 
   
Average
 
   
Contractual
   
Recorded
     
 
   
Recorded
 
   
Principal
   
Principal
   
Related
   
Principal
 
   
Balance
   
Balance
   
Allowance
   
Balance
 
With an allowance recorded:
                               
Commercial:
                               
Commercial and industrial
  $
2,172,000
    $
2,172,000
    $
1,071,000
    $
1,315,000
 
Vacant land, land development and residential construction
   
385,000
     
385,000
     
85,000
     
192,000
 
Real estate – owner occupied
   
203,000
     
203,000
     
13,000
     
640,000
 
Real estate – non-owner occupied
   
0
     
0
     
0
     
0
 
Real estate – multi-family and residential rental
   
0
     
0
     
0
     
0
 
Total commercial
   
2,760,000
     
2,760,000
     
1,169,000
     
2,147,000
 
                                 
Retail:
                               
Home equity and other
   
414,000
     
396,000
     
289,000
     
440,000
 
1-4 family mortgages
   
613,000
     
613,000
     
154,000
     
485,000
 
Total retail
   
1,027,000
     
1,009,000
     
443,000
     
925,000
 
                                 
Total with an allowance recorded
  $
3,787,000
    $
3,769,000
    $
1,612,000
    $
3,072,000
 
                                 
Total impaired loans:
                               
Commercial
  $
18,057,000
    $
17,988,000
    $
1,169,000
    $
14,295,000
 
Retail
   
7,237,000
     
4,965,000
     
443,000
     
4,491,000
 
Total impaired loans
  $
25,294,000
    $
22,953,000
    $
1,612,000
    $
18,786,000
 
                           
First Quarter
 
   
Unpaid
     
 
     
 
   
Average
 
   
Contractual
   
Recorded
     
 
   
Recorded
 
   
Principal
   
Principal
   
Related
   
Principal
 
   
Balance
   
Balance
   
Allowance
   
Balance
 
With no related allowance recorded:
                               
Commercial:
                               
Commercial and industrial
  $
8,129,000
    $
8,129,000
    $
0
    $
9,487,000
 
Vacant land, land development and residential construction
   
85,000
     
85,000
     
0
     
92,000
 
Real estate – owner occupied
   
715,000
     
667,000
     
0
     
1,582,000
 
Real estate – non-owner occupied
   
178,000
     
178,000
     
0
     
31,000
 
Real estate – multi-family and residential rental
   
29,000
     
9,000
     
0
     
26,000
 
Total commercial
   
9,136,000
     
9,068,000
     
0
     
11,218,000
 
                                 
Retail:
                               
Home equity and other
   
1,279,000
     
1,209,000
     
0
     
1,062,000
 
1-4 family mortgages
   
3,272,000
     
1,968,000
     
0
     
2,191,000
 
Total retail
   
4,551,000
     
3,177,000
     
0
     
3,253,000
 
                                 
Total with no related allowance recorded
  $
13,687,000
    $
12,245,000
    $
0
    $
14,471,000
 
                           
First Quarter
 
   
Unpaid
     
 
     
 
   
Average
 
   
Contractual
   
Recorded
     
 
   
Recorded
 
   
Principal
   
Principal
   
Related
   
Principal
 
   
Balance
   
Balance
   
Allowance
   
Balance
 
With an allowance recorded:
                               
Commercial:
                               
Commercial and industrial
  $
460,000
    $
458,000
    $
202,000
    $
5,416,000
 
Vacant land, land development and residential construction
   
0
     
0
     
0
     
0
 
Real estate – owner occupied
   
1,078,000
     
1,078,000
     
982,000
     
2,823,000
 
Real estate – non-owner occupied
   
0
     
0
     
0
     
199,000
 
Real estate – multi-family and residential rental
   
0
     
0
     
0
     
135,000
 
Total commercial
   
1,538,000
     
1,536,000
     
1,184,000
     
8,573,000
 
                                 
Retail:
                               
Home equity and other
   
502,000
     
485,000
     
356,000
     
775,000
 
1-4 family mortgages
   
358,000
     
356,000
     
83,000
     
748,000
 
Total retail
   
860,000
     
841,000
     
439,000
     
1,523,000
 
                                 
Total with an allowance recorded
  $
2,398,000
    $
2,377,000
    $
1,623,000
    $
10,096,000
 
                                 
Total impaired loans:
                               
Commercial
  $
10,674,000
    $
10,604,000
    $
1,184,000
    $
19,791,000
 
Retail
   
5,411,000
     
4,018,000
     
439,000
     
4,776,000
 
Total impaired loans
  $
16,085,000
    $
14,622,000
    $
1,623,000
    $
24,567,000
 
Financing Receivable Credit Quality Indicators [Table Text Block]
   
Commercial
and
Industrial
   
Commercial
Vacant Land,
Land
Development,
and Residential Construction
   
Commercial
Real Estate -
Owner
Occupied
   
Commercial
Real Estate -
Non-Owner
Occupied
   
Commercial
Real Estate -
Multi-Family
and Residential
Rental
 
                                         
Internal credit risk grade groupings:
                                       
Grades 1 – 4
  $
528,288,000
    $
24,943,000
    $
340,680,000
    $
562,617,000
    $
74,923,000
 
Grades 5 – 7
   
333,023,000
     
37,263,000
     
233,258,000
     
260,617,000
     
58,088,000
 
Grades 8 – 9
   
12,368,000
     
702,000
     
5,291,000
     
132,000
     
137,000
 
Total commercial
  $
873,679,000
    $
62,908,000
    $
579,229,000
    $
823,366,000
    $
133,148,000
 
   
Commercial
and
Industrial
   
Commercial
Vacant Land,
Land
Development,
and Residential Construction
   
Commercial
Real Estate -
Owner
Occupied
   
Commercial
Real Estate -
Non-Owner
Occupied
   
Commercial
Real Estate -
Multi-Family
and Residential
Rental
 
                                         
Internal credit risk grade groupings:
                                       
Grades 1 – 4
  $
521,920,000
    $
26,065,000
    $
351,671,000
    $
563,087,000
    $
85,152,000
 
Grades 5 – 7
   
309,824,000
     
29,716,000
     
220,980,000
     
272,124,000
     
39,203,000
 
Grades 8 – 9
   
14,807,000
     
338,000
     
6,352,000
     
135,000
     
170,000
 
Total commercial
  $
846,551,000
    $
56,119,000
    $
579,003,000
    $
835,346,000
    $
124,525,000
 
Financing Receivable, Allowance for Credit Loss [Table Text Block]
   
Commercial
   
Retail
                 
   
Loans
   
Loans
   
Unallocated
   
Total
 
                                 
Allowance for loan losses:
                               
Beginning balance
  $
21,070,000
    $
2,749,000
    $
70,000
    $
23,889,000
 
Provision for loan losses
   
573,000
     
247,000
     
(70,000
)
   
750,000
 
Charge-offs
   
(13,000
)
   
(27,000
)
   
0
     
(40,000
)
Recoveries
   
120,000
     
109,000
     
0
     
229,000
 
Ending balance
  $
21,750,000
    $
3,078,000
    $
0
 
  $
24,828,000
 
                                 
Ending balance: individually evaluated for impairment
  $
1,169,000
    $
443,000
    $
0
    $
1,612,000
 
                                 
Ending balance: collectively evaluated for impairment
  $
20,581,000
    $
2,635,000
    $
0
 
  $
23,216,000
 
                                 
                                 
Total loans:
                               
Ending balance
  $
2,472,330,000
    $
429,213,000
     
 
    $
2,901,543,000
 
                                 
Ending balance: individually evaluated for impairment
  $
17,988,000
    $
4,965,000
     
 
    $
22,953,000
 
                                 
Ending balance: collectively evaluated for impairment
  $
2,454,342,000
    $
424,248,000
     
 
    $
2,878,590,000
 
   
Commercial
   
Retail
                 
   
Loans
   
Loans
   
Unallocated
   
Total
 
                                 
Allowance for loan losses:
                               
Beginning balance
  $
19,619,000
    $
2,717,000
    $
44,000
    $
22,380,000
 
Provision for loan losses
   
562,000
     
104,000
     
184,000
     
850,000
 
Charge-offs
   
0
     
(174,000
)
   
0
     
(174,000
)
Recoveries
   
30,000
     
49,000
     
0
     
79,000
 
Ending balance
  $
20,211,000
    $
2,696,000
    $
228,000
    $
23,135,000
 
                                 
Ending balance: individually evaluated for impairment
  $
936,000
    $
411,000
    $
0
    $
1,347,000
 
                                 
Ending balance: collectively evaluated for impairment
  $
19,275,000
    $
2,285,000
    $
228,000
    $
21,788,000
 
                                 
                                 
Total loans:
                               
Ending balance
  $
2,441,544,000
    $
415,123,000
     
 
    $
2,856,667,000
 
                                 
Ending balance: individually evaluated for impairment
  $
10,986,000
    $
4,070,000
     
 
    $
15,056,000
 
                                 
Ending balance: collectively evaluated for impairment
  $
2,430,558,000
    $
411,053,000
     
 
    $
2,841,611,000
 
Financing Receivable, Troubled Debt Restructuring [Table Text Block]
           
Pre-
   
Post-
 
           
Modification
   
Modification
 
           
Recorded
   
Recorded
 
   
Number of
   
Principal
   
Principal
 
   
Contracts
   
Balance
   
Balance
 
                         
Commercial:
                       
Commercial and industrial
   
6
    $
6,539,000
    $
6,536,000
 
Vacant land, land development and residential construction
   
0
     
0
     
0
 
Real estate – owner occupied
   
8
     
3,661,000
     
4,259,000
 
Real estate – non-owner occupied
   
0
     
0
     
0
 
Real estate – multi-family and residential rental
   
0
     
0
     
0
 
Total commercial
   
14
     
10,200,000
     
10,795,000
 
                         
Retail:
                       
Home equity and other
   
3
     
65,000
     
52,000
 
1-4 family mortgages
   
0
     
0
     
0
 
Total retail
   
3
     
65,000
     
52,000
 
                         
Total loans
   
17
    $
10,265,000
    $
10,847,000
 
           
Pre-
   
Post-
 
           
Modification
   
Modification
 
           
Recorded
   
Recorded
 
   
Number of
   
Principal
   
Principal
 
   
Contracts
   
Balance
   
Balance
 
                         
Commercial:
                       
Commercial and industrial
   
11
    $
3,164,000
    $
3,164,000
 
Vacant land, land development and residential construction
   
0
     
0
     
0
 
Real estate – owner occupied
   
2
     
760,000
     
749,000
 
Real estate – non-owner occupied
   
0
     
0
     
0
 
Real estate – multi-family and residential rental
   
0
     
0
     
0
 
Total commercial
   
13
     
3,924,000
     
3,913,000
 
                         
Retail:
                       
Home equity and other
   
4
     
70,000
     
70,000
 
1-4 family mortgages
   
1
     
32,000
     
32,000
 
Total retail
   
5
     
102,000
     
102,000
 
                         
Total loans
   
18
    $
4,026,000
    $
4,015,000
 
Troubled Debt Restructurings on Financing Receivables with in Previous Twelve Months that Became Over Thirty Days Past Due [Table Text Block]
           
Recorded
 
   
Number of
   
Principal
 
   
Contracts
   
Balance
 
Commercial:
               
Commercial and industrial
   
0
    $
0
 
Vacant land, land development and residential construction
   
0
     
0
 
Real estate – owner occupied
   
1
     
97,000
 
Real estate – non-owner occupied
   
0
     
0
 
Real estate – multi-family and residential rental
   
0
     
0
 
Total commercial
   
1
     
97,000
 
                 
Retail:
               
Home equity and other
   
0
     
0
 
1-4 family mortgages
   
0
     
0
 
Total retail
   
0
     
0
 
                 
Total
   
1
    $
97,000
 
           
Recorded
 
   
Number of
   
Principal
 
   
Contracts
   
Balance
 
Commercial:
               
Commercial and industrial
   
0
    $
0
 
Vacant land, land development and residential construction
   
0
     
0
 
Real estate – owner occupied
   
0
     
0
 
Real estate – non-owner occupied
   
0
     
0
 
Real estate – multi-family and residential rental
   
0
     
0
 
Total commercial
   
0
     
0
 
                 
Retail:
               
Home equity and other
   
2
     
54,000
 
1-4 family mortgages
   
0
     
0
 
Total retail
   
2
     
54,000
 
                 
Total
   
2
    $
54,000
 
Trouble Debt Restructuring Activity [Table Text Block]
   
Commercial
and
Industrial
   
Commercial
Vacant Land,
Land
Development,
and
Residential
Construction
   
Commercial
Real Estate -
Owner
Occupied
   
Commercial
Real Estate -
Non-Owner
Occupied
   
Commercial
Real Estate -
Multi-Family
and
Residential
Rental
 
                                         
Commercial Loan Portfolio:
                                       
Beginning Balance
  $
8,587,000
    $
85,000
    $
1,145,000
    $
178,000
    $
7,000
 
Charge-Offs
   
0
     
0
     
0
     
0
     
0
 
Payments
   
(2,832,000
)
   
(3,000
)
   
(988,000
)
   
(4,000
)
   
(4,000
)
Transfers to ORE
   
0
     
0
     
0
     
0
     
0
 
Net Additions/Deletions
   
6,449,000
     
0
     
3,654,000
     
0
     
0
 
Ending Balance
  $
12,204,000
    $
82,000
    $
3,811,000
    $
174,000
    $
3,000
 
   
Retail
   
Retail
 
   
Home Equity
   
1-4 Family
 
   
and Other
   
Mortgages
 
Retail Loan Portfolio:
               
Beginning Balance
  $
1,415,000
    $
724,000
 
Charge-Offs
   
0
     
0
 
Payments
   
(29,000
)
   
(9,000
)
Transfers to ORE
   
0
     
0
 
Net Additions/Deletions
   
66,000
     
0
 
Ending Balance
  $
1,452,000
    $
715,000
 
   
Commercial
and
Industrial
   
Commercial
Vacant Land,
Land
Development,
and
Residential
Construction
   
Commercial
Real Estate -
Owner
Occupied
   
Commercial
Real Estate -
Non-Owner
Occupied
   
Commercial
Real Estate -
Multi-Family
and
Residential
Rental
 
                                         
Commercial Loan Portfolio:
                                       
Beginning Balance
  $
14,138,000
    $
0
    $
3,100,000
    $
210,000
    $
24,000
 
Charge-Offs
   
0
     
0
     
0
     
0
     
0
 
Payments
   
(1,666,000
)
   
0
     
(48,000
)
   
(21,000
)
   
(3,000
)
Transfers to ORE
   
0
     
0
     
(97,000
)
   
0
     
0
 
Net Additions/Deletions
   
3,138,000
     
0
     
740,000
     
0
     
0
 
Ending Balance
  $
15,610,000
    $
0
    $
3,695,000
    $
189,000
    $
21,000
 
   
Retail
   
Retail
 
   
Home Equity
   
1-4 Family
 
   
and Other
   
Mortgages
 
Retail Loan Portfolio:
               
Beginning Balance
  $
1,402,000
    $
578,000
 
Charge-Offs
   
0
     
0
 
Payments
   
(28,000
)
   
(11,000
)
Transfers to ORE
   
0
     
0
 
Net Additions/Deletions
   
70,000
     
32,000
 
Ending Balance
  $
1,444,000
    $
599,000
 
Allowance Related to Loans Categorized as Troubled Debt Restructurings [Table Text Block]
   
March 31,
   
December 31,
 
   
2020
   
2019
 
                 
Commercial:
               
Commercial and industrial
  $
953,000
    $
202,000
 
Vacant land, land development, and residential construction
   
1,000
     
0
 
Real estate – owner occupied
   
3,000
     
982,000
 
Real estate – non-owner occupied
   
0
     
0
 
Real estate – multi-family and residential rental
   
0
     
0
 
Total commercial
   
957,000
     
1,184,000
 
                 
Retail:
               
Home equity and other
   
246,000
     
311,000
 
1-4 family mortgages
   
154,000
     
83,000
 
Total retail
   
400,000
     
394,000
 
                 
Total related allowance
  $
1,357,000
    $
1,578,000
 
Retail Portfolio Segment [Member]  
Notes Tables  
Financing Receivable Credit Quality Indicators [Table Text Block]
   
Retail
   
Retail
 
   
Home Equity
   
1-4 Family
 
   
and Other
   
Mortgages
 
                 
Performing
   
72,596,000
     
353,918,000
 
Nonperforming
   
279,000
     
2,420,000
 
Total retail
  $
72,875,000
    $
356,338,000
 
   
Retail
   
Retail
 
   
Home Equity
   
1-4 Family
 
   
and Other
   
Mortgages
 
                 
Performing
   
75,119,000
     
337,856,000
 
Nonperforming
   
255,000
     
1,893,000
 
Total retail
  $
75,374,000
    $
339,749,000