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Note 4 - Credit Quality (Tables)

6 Months Ended

Jun. 30, 2018

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

		June 30, 2018
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	55,999			$	835			$	1,152			$	-			$	-			$	57,986
Commercial and industrial			93,472				2,602				540				-				-				96,614
Multi-family residential			105,533				3,877				657				-				-				110,067
Single family non-owner occupied			132,858				5,309				3,909				-				-				142,076
Non-farm, non-residential			604,886				9,807				10,160				146				-				624,999
Agricultural			8,517				202				176				-				-				8,895
Farmland			19,154				321				2,444				-				136				22,055
Consumer real estate loans
Home equity lines			97,813				597				1,784				-				-				100,194
Single family owner occupied			486,660				4,824				25,574				-				-				517,058
Owner occupied construction			22,280				-				367				-				-				22,647
Consumer and other loans
Consumer loans			68,592				7				281				-				5				68,885
Other			4,636				-				-				-				-				4,636
Total non-covered loans			1,700,400				28,381				47,044				146				141				1,776,112
Covered loans
Commercial loans
Construction, development, and other land			-				35				-				-				-				35
Single family non-owner occupied			235				-				17				-				-				252
Non-farm, non-residential			-				-				8				-				-				8
Consumer real estate loans
Home equity lines			10,341				7,954				856				-				-				19,151
Single family owner occupied			2,708				378				387				-				-				3,473
Total covered loans			13,284				8,367				1,268				-				-				22,919
Total loans		$	1,713,684			$	36,748			$	48,312			$	146			$	141			$	1,799,031

		December 31, 2017
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	57,768			$	1,367			$	882			$	-			$	-			$	60,017
Commercial and industrial			87,181				3,721				1,286				-				-				92,188
Multi-family residential			118,509				5,663				1,030				-				-				125,202
Single family non-owner occupied			130,689				7,271				3,710				-				-				141,670
Non-farm, non-residential			596,616				12,493				7,351				173				-				616,633
Agricultural			6,639				294				102				-				-				7,035
Farmland			22,875				210				2,564				-				-				25,649
Consumer real estate loans
Home equity lines			100,833				618				1,754				-				-				103,205
Single family owner occupied			471,382				5,480				25,824				-				-				502,686
Owner occupied construction			38,947				-				231				-				-				39,178
Consumer and other loans
Consumer loans			70,448				13				311				-				-				70,772
Other			5,001				-				-				-				-				5,001
Total non-covered loans			1,706,888				37,130				45,045				173				-				1,789,236
Covered loans
Commercial loans
Construction, development, and other land			1				38				-				-				-				39
Single family non-owner occupied			265				-				19				-				-				284
Non-farm, non-residential			-				-				9				-				-				9
Consumer real estate loans
Home equity lines			11,338				11,685				697				-				-				23,720
Single family owner occupied			2,996				411				489				-				-				3,896
Total covered loans			14,600				12,134				1,214				-				-				27,948
Total loans		$	1,721,488			$	49,264			$	46,259			$	173			$	-			$	1,817,184

Impaired Financing Receivables [Table Text Block]

		June 30, 2018												December 31, 2017
						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		$	820			$	835			$	-			$	727			$	988			$	-
Commercial and industrial			230				249				-				315				1,142				-
Multi-family residential			290				412				-				499				1,010				-
Single family non-owner occupied			2,117				2,385				-				2,042				3,521				-
Non-farm, non-residential			4,012				4,883				-				3,022				5,955				-
Agricultural			176				181				-				102				107				-
Farmland			1,335				1,405				-				395				414				-
Consumer real estate loans
Home equity lines			1,833				1,954				-				1,621				1,770				-
Single family owner occupied			14,132				15,470				-				16,633				18,964				-
Owner occupied construction			292				292				-				231				231				-
Consumer and other loans
Consumer loans			198				207				-				141				144				-
Total impaired loans with no allowance			25,435				28,273				-				25,728				34,246				-
Impaired loans with a related allowance
Commercial loans
Commercial and industrial			-				-				-				343				343				270
Single family non-owner occupied			-				-				-				446				446				62
Non-farm, non-residential			1,378				1,378				473				262				263				15
Farmland			410				418				105				936				974				233
Consumer real estate loans
Home equity lines			67				69				67				-				-				-
Single family owner occupied			7,043				7,053				2,434				5,586				5,606				1,978
Total impaired loans with an allowance			8,898				8,918				3,079				7,573				7,632				2,558
Total impaired loans (1)		$	34,333			$	37,191			$	3,079			$	33,301			$	41,878			$	2,558

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

		Three Months Ended June 30,																Six Months Ended June 30,
		2018								2017								2018								2017
(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		$	1			$	823			$	-			$	10			$	14			$	969			$	-			$	11
Commercial and industrial			2				237				1				321				3				411				3				325
Multi-family residential			-				296				3				557				10				547				3				457
Single family non-owner occupied			25				2,307				34				3,308				48				2,634				77				3,317
Non-farm, non-residential			-				4,048				21				3,330				39				5,579				25				3,027
Agricultural			-				175				-				128				-				229				-				127
Farmland			6				1,336				-				1,003				15				887				-				1,005
Consumer real estate loans
Home equity lines			10				1,837				5				1,052				17				1,822				20				1,047
Single family owner occupied			86				14,247				93				15,943				193				14,917				180				14,074
Owner occupied construction			3				292				2				234				6				259				5				233
Consumer and other loans
Consumer loans			5				207				2				43				6				141				2				46
Total impaired loans with no related allowance			138				25,805				161				25,929				351				28,395				315				23,669
Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land			-				-				-				-				-				-				-				214
Commercial and industrial			-				-				38				2,352				-				-				53				1,332
Single family non-owner occupied			-				-				5				344				7				439				13				344
Non-farm, non-residential			-				1,374				5				867				-				770				15				1,011
Farmland			-				409				-				411				-				407				-				205
Consumer real estate loans
Home equity lines			2				68				-				-				2				70				-				209
Single family owner occupied			59				7,040				33				3,393				91				6,257				68				4,883
Owner occupied construction			-				-				-				-				-				-				-				-
Total impaired loans with a related allowance			61				8,891				81				7,367				100				7,943				149				8,198
Total impaired loans		$	199			$	34,696			$	242			$	33,296			$	451			$	36,338			$	464			$	31,867

Impaired Financing Receivables, Summarized Information [Table Text Block]

		Three Months Ended June 30,								Six Months Ended June 30,
		2018				2017				2018				2017
(Amounts in thousands)
Interest income recognized		$	-			$	10			$	-			$	20
Average recorded investment			-				1,053				-				1,064

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

		June 30, 2018												December 31, 2017
(Amounts in thousands)		Non-covered				Covered				Total				Non-covered				Covered				Total
Commercial loans
Construction, development, and other land		$	397			$	-			$	397			$	-			$	-			$	-
Commercial and industrial			212				-				212				211				-				211
Multi-family residential			290				-				290				498				-				498
Single family non-owner occupied			954				17				971				851				19				870
Non-farm, non-residential			4,665				-				4,665				2,448				-				2,448
Agricultural			176				-				176				102				-				102
Farmland			1,361				-				1,361				805				-				805
Consumer real estate loans
Home equity lines			883				484				1,367				882				306				1,188
Single family owner occupied			12,417				-				12,417				13,108				17				13,125
Owner occupied construction			64				8				72				-				-				-
Consumer and other loans
Consumer loans			48				-				48				92				-				92
Total nonaccrual loans		$	21,467			$	509			$	21,976			$	18,997			$	342			$	19,339

Past Due Financing Receivables [Table Text Block]

		June 30, 2018
		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			$	-			$	388			$	421			$	57,565			$	57,986
Commercial and industrial			221				182				98				501				96,113				96,614
Multi-family residential			-				371				-				371				109,696				110,067
Single family non-owner occupied			789				78				686				1,553				140,523				142,076
Non-farm, non-residential			1,920				40				3,954				5,914				619,085				624,999
Agricultural			-				-				74				74				8,821				8,895
Farmland			216				-				995				1,211				20,844				22,055
Consumer real estate loans
Home equity lines			162				156				558				876				99,318				100,194
Single family owner occupied			3,344				1,233				7,322				11,899				505,159				517,058
Owner occupied construction			-				-				64				64				22,583				22,647
Consumer and other loans
Consumer loans			479				141				-				620				68,265				68,885
Other			-				-				-				-				4,636				4,636
Total non-covered loans			7,164				2,201				14,139				23,504				1,752,608				1,776,112
Covered loans
Commercial loans
Construction, development, and other land			-				-				-				-				35				35
Single family non-owner occupied			17				-				-				17				235				252
Non-farm, non-residential			-				-				-				-				8				8
Consumer real estate loans
Home equity lines			191				130				297				618				18,533				19,151
Single family owner occupied			-				-				-				-				3,473				3,473
Total covered loans			208				130				297				635				22,284				22,919
Total loans		$	7,372			$	2,331			$	14,436			$	24,139			$	1,774,892			$	1,799,031

		December 31, 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		$	20			$	365			$	-			$	385			$	59,632			$	60,017
Commercial and industrial			232				40				142				414				91,774				92,188
Multi-family residential			544				-				185				729				124,473				125,202
Single family non-owner occupied			223				302				331				856				140,814				141,670
Non-farm, non-residential			2,433				383				1,536				4,352				612,281				616,633
Agricultural			123				-				-				123				6,912				7,035
Farmland			113				-				692				805				24,844				25,649
Consumer real estate loans
Home equity lines			226				198				485				909				102,296				103,205
Single family owner occupied			6,959				2,418				8,186				17,563				485,123				502,686
Owner occupied construction			326				79				-				405				38,773				39,178
Consumer and other loans
Consumer loans			439				97				17				553				70,219				70,772
Other			-				-				-				-				5,001				5,001
Total non-covered loans			11,638				3,882				11,574				27,094				1,762,142				1,789,236
Covered loans
Commercial loans
Construction, development, and other land			-				-				-				-				39				39
Single family non-owner occupied			-				-				-				-				284				284
Non-farm, non-residential			-				-				-				-				9				9
Consumer real estate loans
Home equity lines			402				-				173				575				23,145				23,720
Single family owner occupied			70				-				-				70				3,826				3,896
Total covered loans			472				-				173				645				27,303				27,948
Total loans		$	12,110			$	3,882			$	11,747			$	27,739			$	1,789,445			$	1,817,184

Trouble Debt Restructuring Accrual Status [Table Text Block]

		June 30, 2018												December 31, 2017
(Amounts in thousands)		Nonaccrual (1)				Accruing				Total				Nonaccrual (1)				Accruing				Total
Commercial loans
Single family non-owner occupied		$	339			$	314			$	653			$	364			$	528			$	892
Non-farm, non-residential			-				289				289				-				295				295
Consumer real estate loans
Home equity lines			-				135				135				-				145				145
Single family owner occupied			1,675				5,978				7,653				1,565				6,496				8,061
Owner occupied construction			-				228				228				-				233				233
Consumer and other loans
Consumer loans			-				36				36				-				37				37
Total TDRs		$	2,014			$	6,980			$	8,994			$	1,929			$	7,734			$	9,663
Allowance for loan losses related to TDRs										$	581											$	642

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

		Three Months Ended June 30,								Six Months Ended June 30,
		2018				2017				2018				2017
(Amounts in thousands)
Interest income recognized		$	64			$	1			$	134			$	85

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		Three Months Ended June 30,
		2018												2017
(Amounts in thousands)		Total Contracts				Pre-modification Recorded Investment				Post-modification Recorded Investment (1)				Total Contracts				Pre-modification Recorded Investment				Post-modification Recorded Investment (1)
Below market interest rate
Single family owner occupied			-			$	-			$	-				1			$	241			$	241
Below market interest rate and extended payment term
Single family owner occupied			-				-				-				5				949				949
Total			-			$	-			$	-				6			$	1,190			$	1,190

		Six Months Ended June 30,
		2018												2017
(Amounts in thousands)		Total Contracts				Pre-modification Recorded Investment				Post-modification Recorded Investment (1)				Total Contracts				Pre-modification Recorded Investment				Post-modification Recorded Investment (1)
Below market interest rate
Single family owner occupied			-			$	-			$	-				1			$	241			$	241
Below market interest rate and extended payment term
Single family owner occupied			-				-				-				5				949				949
Total			-			$	-			$	-				6			$	1,190			$	1,190

Other Real Estate Owned [Table Text Block]

		June 30, 2018				December 31, 2017
(Amounts in thousands)
Non-covered OREO		$	4,805			$	2,409
Covered OREO			44				105
Total OREO		$	4,849			$	2,514
Non-covered OREO secured by residential real estate		$	3,384			$	2,209
Residential real estate loans in the foreclosure process (1)			8,338				9,921

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