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Note 4 - Credit Quality (Tables)

9 Months Ended

Sep. 30, 2017

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

		September 30, 2017
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	69,257			$	2,791			$	904			$	-			$	-			$	72,952
Commercial and industrial			85,368				1,844				2,972				-				-				90,184
Multi-family residential			119,399				5,882				716				-				-				125,997
Single family non-owner occupied			132,000				6,839				4,374				-				-				143,213
Non-farm, non-residential			593,809				11,126				8,243				202				-				613,380
Agricultural			5,743				235				118				-				-				6,096
Farmland			25,097				153				2,647				-				-				27,897
Consumer real estate loans
Home equity lines			100,375				850				1,663				-				-				102,888
Single family owner occupied			471,378				5,705				24,159				-				-				501,242
Owner occupied construction			46,802				-				232				-				-				47,034
Consumer and other loans
Consumer loans			70,459				27				209				-				-				70,695
Other			4,856				-				-				-				-				4,856
Total non-covered loans			1,724,543				35,452				46,237				202				-				1,806,434
Covered loans
Commercial loans
Construction, development, and other land			-				39				1				-				-				40
Single family non-owner occupied			271				-				21				-				-				292
Non-farm, non-residential			-				-				10				-				-				10
Consumer real estate loans
Home equity lines			12,242				13,840				768				-				-				26,850
Single family owner occupied			3,136				425				534				-				-				4,095
Total covered loans			15,649				14,304				1,334				-				-				31,287
Total loans		$	1,740,192			$	49,756			$	47,571			$	202			$	-			$	1,837,721

		December 31, 2016
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	55,188			$	980			$	780			$	-			$	-			$	56,948
Commercial and industrial			87,581				3,483				1,137				-				3				92,204
Multi-family residential			126,468				6,992				768				-				-				134,228
Single family non-owner occupied			131,934				5,466				5,565				-				-				142,965
Non-farm, non-residential			579,134				10,236				9,102				202				-				598,674
Agricultural			5,839				164				-				-				-				6,003
Farmland			28,887				1,223				1,619				-				-				31,729
Consumer real estate loans
Home equity lines			104,033				871				1,457				-				-				106,361
Single family owner occupied			475,402				4,636				20,381				472				-				500,891
Owner occupied construction			43,833				-				702				-				-				44,535
Consumer and other loans
Consumer loans			77,218				11				216				-				-				77,445
Other			3,971				-				-				-				-				3,971
Total non-covered loans			1,719,488				34,062				41,727				674				3				1,795,954
Covered loans
Commercial loans
Construction, development, and other land			2,768				803				999				-				-				4,570
Commercial and industrial			882				-				13				-				-				895
Multi-family residential			-				-				8				-				-				8
Single family non-owner occupied			796				63				103				-				-				962
Non-farm, non-residential			6,423				537				552				-				-				7,512
Agricultural			25				-				-				-				-				25
Farmland			132				-				265				-				-				397
Consumer real estate loans
Home equity lines			14,283				20,763				771				-				-				35,817
Single family owner occupied			4,601				928				1,200				-				-				6,729
Consumer and other loans
Consumer loans			79				-				-				-				-				79
Total covered loans			29,989				23,094				3,911				-				-				56,994
Total loans		$	1,749,477			$	57,156			$	45,638			$	674			$	3			$	1,852,948

Impaired Financing Receivables [Table Text Block]

		September 30, 2017												December 31, 2016
						Unpaid												Unpaid
		Recorded				Principal				Related				Recorded				Principal				Related
(Amounts in thousands)		Investment				Balance				Allowance				Investment				Balance				Allowance
Impaired loans with no related allowance
Commercial loans
Construction, development, and other land		$	662			$	999			$	-			$	33			$	35			$	-
Commercial and industrial			146				1,093				-				346				383				-
Multi-family residential			381				836				-				294				369				-
Single family non-owner occupied			2,485				3,891				-				3,084				3,334				-
Non-farm, non-residential			3,905				6,239				-				3,829				4,534				-
Agricultural			118				122				-				-				-				-
Farmland			990				1,037				-				1,161				1,188				-
Consumer real estate loans
Home equity lines			1,624				1,766				-				913				968				-
Single family owner occupied			16,768				18,932				-				11,779				12,630				-
Owner occupied construction			233				233				-				573				589				-
Consumer and other loans
Consumer loans			61				63				-				62				103				-
Total impaired loans with no allowance			27,373				35,211				-				22,074				24,133				-
Impaired loans with a related allowance
Commercial loans
Construction, development, and other land			-				-				-				-				-				-
Commercial and industrial			2,400				2,400				262				-				-				-
Single family non-owner occupied			771				772				69				351				351				31
Non-farm, non-residential			865				874				325				-				-				-
Farmland			410				418				50				430				430				18
Consumer real estate loans
Home equity lines			-				-				-				-				-				-
Single family owner occupied			3,771				3,779				754				4,118				4,174				770
Total impaired loans with an allowance			8,217				8,243				1,460				4,899				4,955				819
Total impaired loans (1)		$	35,590			$	43,454			$	1,460			$	26,973			$	29,088			$	819

Schedule of Impaired Financing Receivable, Average Recorded Investment and Interest Income Recognized [Table Text Block]

		Three Months Ended September 30,																Nine Months Ended September 30,
		2017								2016								2017								2016
(Amounts in thousands)		Interest Income Recognized				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment
Impaired loans with no related allowance:
Commercial loans
Construction, development, and other land		$	32			$	907			$	22			$	600			$	32			$	309			$	22			$	447
Commercial and industrial			5				754				6				1,029				8				468				10				738
Multi-family residential			-				509				15				562				3				474				15				309
Single family non-owner occupied			11				3,304				91				3,498				88				3,313				107				3,035
Non-farm, non-residential			68				5,244				65				8,930				93				3,766				307				10,186
Agricultural			4				127				-				-				4				127				-				-
Farmland			17				1,003				5				204				17				1,004				9				186
Consumer real estate loans
Home equity lines			15				1,683				6				1,157				35				1,259				21				1,318
Single family owner occupied			137				17,478				91				13,175				317				15,209				254				12,436
Owner occupied construction			1				235				2				585				6				234				7				470
Consumer and other loans
Consumer loans			1				62				2				63				3				52				2				45
Total impaired loans with no related allowance			291				31,306				305				29,803				606				26,215				754				29,170
Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land			-				-				-				-				-				143				-				-
Commercial and industrial			50				2,516				-				-				103				1,727				-				-
Single family non-owner occupied			8				778				5				682				21				488				18				572
Non-farm, non-residential			-				872				45				4,658				15				964				215				5,108
Farmland			-				413				-				-				-				275				-				-
Consumer real estate loans
Home equity lines			-				-				-				-				-				139				-				-
Single family owner occupied			24				3,814				24				4,130				92				4,527				91				4,547
Owner occupied construction			-				-				-				-				-				1				-				115
Total impaired loans with a related allowance			82				8,393				74				9,470				231				8,264				324				10,342
Total impaired loans		$	373			$	39,699			$	379			$	39,273			$	837			$	34,479			$	1,078			$	39,512

Impaired Financing Receivables, Summarized Information [Table Text Block]

		September 30, 2017				December 31, 2016
(Amounts in thousands, except impaired loan pools)
Unpaid principal balance		$	-			$	1,086
Recorded investment			-				1,085
Allowance for loan losses related to PCI loan pools			-				12
Impaired PCI loan pools			-				1

		Three Months Ended September 30,								Nine Months Ended September 30,
		2017				2016				2017				2016
(Amounts in thousands)
Interest income recognized		$	-			$	12			$	20			$	130
Average recorded investment			-				1,139				705				2,195

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

		September 30, 2017												December 31, 2016
(Amounts in thousands)		Non-covered				Covered				Total				Non-covered				Covered				Total
Commercial loans
Construction, development, and other land		$	126			$	-			$	126			$	72			$	32			$	104
Commercial and industrial			118				-				118				332				13				345
Multi-family residential			330				-				330				294				-				294
Single family non-owner occupied			1,626				20				1,646				1,242				24				1,266
Non-farm, non-residential			3,352				-				3,352				3,295				30				3,325
Agricultural			118				-				118				-				-				-
Farmland			870				-				870				1,591				-				1,591
Consumer real estate loans
Home equity lines			828				350				1,178				705				400				1,105
Single family owner occupied			11,517				50				11,567				7,924				109				8,033
Owner occupied construction			-				-				-				336				-				336
Consumer and other loans
Consumer loans			57				-				57				63				-				63
Total nonaccrual loans		$	18,942			$	420			$	19,362			$	15,854			$	608			$	16,462

Past Due Financing Receivables [Table Text Block]

		September 30, 2017
		30 - 59 Days				60 - 89 Days				90+ Days				Total				Current				Total
(Amounts in thousands)		Past Due				Past Due				Past Due				Past Due				Loans				Loans
Non-covered loans
Commercial loans
Construction, development, and other land		$	25			$	-			$	-			$	25			$	72,927			$	72,952
Commercial and industrial			226				36				47				309				89,875				90,184
Multi-family residential			341				185				-				526				125,471				125,997
Single family non-owner occupied			405				186				861				1,452				141,761				143,213
Non-farm, non-residential			523				17				2,623				3,163				610,217				613,380
Agricultural			6				-				-				6				6,090				6,096
Farmland			849				410				343				1,602				26,295				27,897
Consumer real estate loans
Home equity lines			242				105				298				645				102,243				102,888
Single family owner occupied			3,133				1,414				6,199				10,746				490,496				501,242
Owner occupied construction			330				-				-				330				46,704				47,034
Consumer and other loans
Consumer loans			360				62				38				460				70,235				70,695
Other			-				-				-				-				4,856				4,856
Total non-covered loans			6,440				2,415				10,409				19,264				1,787,170				1,806,434
Covered loans
Commercial loans
Construction, development, and other land			-				-				-				-				40				40
Single family non-owner occupied			72				-				-				72				220				292
Non-farm, non-residential			-				-				-				-				10				10
Consumer real estate loans
Home equity lines			291				-				118				409				26,441				26,850
Single family owner occupied			-				-				28				28				4,067				4,095
Total covered loans			363				-				146				509				30,778				31,287
Total loans		$	6,803			$	2,415			$	10,555			$	19,773			$	1,817,948			$	1,837,721

		December 31, 2016
		30 - 59 Days				60 - 89 Days				90+ Days				Total				Current				Total
(Amounts in thousands)		Past Due				Past Due				Past Due				Past Due				Loans				Loans
Non-covered loans
Commercial loans
Construction, development, and other land		$	33			$	5			$	17			$	55			$	56,893			$	56,948
Commercial and industrial			174				30				149				353				91,851				92,204
Multi-family residential			163				-				281				444				133,784				134,228
Single family non-owner occupied			1,302				159				835				2,296				140,669				142,965
Non-farm, non-residential			1,235				332				2,169				3,736				594,938				598,674
Agricultural			-				5				-				5				5,998				6,003
Farmland			224				343				565				1,132				30,597				31,729
Consumer real estate loans
Home equity lines			78				136				658				872				105,489				106,361
Single family owner occupied			4,777				2,408				3,311				10,496				490,395				500,891
Owner occupied construction			342				336				-				678				43,857				44,535
Consumer and other loans
Consumer loans			371				90				15				476				76,969				77,445
Other			-				-				-				-				3,971				3,971
Total non-covered loans			8,699				3,844				8,000				20,543				1,775,411				1,795,954
Covered loans
Commercial loans
Construction, development, and other land			434				-				32				466				4,104				4,570
Commercial and industrial			-				-				-				-				895				895
Multi-family residential			-				-				-				-				8				8
Single family non-owner occupied			24				-				-				24				938				962
Non-farm, non-residential			32				-				-				32				7,480				7,512
Agricultural			-				-				-				-				25				25
Farmland			-				-				-				-				397				397
Consumer real estate loans
Home equity lines			108				146				62				316				35,501				35,817
Single family owner occupied			58				-				39				97				6,632				6,729
Owner occupied construction			-				-				-				-				-				-
Consumer and other loans
Consumer loans			-				-				-				-				79				79
Total covered loans			656				146				133				935				56,059				56,994
Total loans		$	9,355			$	3,990			$	8,133			$	21,478			$	1,831,470			$	1,852,948

Trouble Debt Restructuring Accrual Status [Table Text Block]

				September 30, 2017												December 31, 2016
(Amounts in thousands)				Nonaccrual (1)				Accruing				Total				Nonaccrual (1)				Accruing				Total
Commercial loans
Single family non-owner occupied				$	33			$	875			$	908			$	38			$	892			$	930
Non-farm, non-residential					-				295				295				-				4,160				4,160
Consumer real estate loans
Home equity lines					-				148				148				-				158				158
Single family owner occupied					1,484				6,690				8,174				905				7,503				8,408
Owner occupied construction					-				234				234				341				239				580
Total TDRs				$	1,517			$	8,242			$	9,759			$	1,284			$	12,952			$	14,236
Allowance for loan losses related to TDRs												$	707											$	670

Interest Income Related to Troubled Debt Restructurings [Table Text Block]

			Three Months Ended September 30,								Nine Months Ended September 30,
			2017				2016				2017				2016
(Amounts in thousands)
Interest income recognized			$	74			$	143			$	159			$	296

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		Three Months Ended September 30,
		2017												2016
(Amounts in thousands)		Total Contracts				Pre-modification Recorded Investment				Post-modification Recorded Investment				Total Contracts				Pre-modification Recorded Investment				Post-modification Recorded Investment
Below market interest rate and extended payment term
Single family owner occupied			1			$	42			$	42				-			$	-			$	-
Total			1			$	42			$	42				-			$	-			$	-

		Nine Months Ended September 30,
		2017												2016
(Amounts in thousands)		Total Contracts				Pre-modification Recorded Investment				Post-modification Recorded Investment				Total Contracts				Pre-modification Recorded Investment				Post-modification Recorded Investment
Below market interest rate and extended payment term
Single family owner occupied			3			$	141			$	141				1			$	115			$	115
Total			3			$	141			$	141				1			$	115			$	115

Other Real Estate Owned [Table Text Block]

				September 30, 2017				December 31, 2016
(Amounts in thousands)
Non-covered OREO				$	3,543			$	5,109
Covered OREO					54				276
Total OREO				$	3,597			$	5,385
Non-covered OREO secured by residential real estate				$	971			$	1,746
Residential real estate loans in the foreclosure process (1)					10,025				2,539

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X

- Definition

Tabular disclosure of financing receivables and troubled debt restructurings.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 33
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953676-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953682-111524

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