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Note 4 - Credit Quality (Tables)

9 Months Ended

Sep. 30, 2018

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

		September 30, 2018
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	60,665			$	800			$	1,192			$	-			$	-			$	62,657
Commercial and industrial			102,590				2,187				826				-				-				105,603
Multi-family residential			106,488				4,077				2,145				-				-				112,710
Single family non-owner occupied			133,820				4,500				4,271				-				-				142,591
Non-farm, non-residential			588,273				8,556				9,825				146				-				606,800
Agricultural			8,716				198				102				-				-				9,016
Farmland			18,427				626				1,819				-				-				20,872
Consumer real estate loans
Home equity lines			94,401				648				1,770				-				-				96,819
Single family owner occupied			491,179				4,562				24,622				-				-				520,363
Owner occupied construction			17,588				-				301				-				-				17,889
Consumer and other loans
Consumer loans			69,611				5				354				-				4				69,974
Other			5,132				-				-				-				-				5,132
Total non-covered loans			1,696,890				26,159				47,227				146				4				1,770,426
Covered loans
Commercial loans
Construction, development, and other land			-				35				-				-				-				35
Single family non-owner occupied			230				-				15				-				-				245
Non-farm, non-residential			-				-				7				-				-				7
Consumer real estate loans
Home equity lines			9,864				6,329				611				-				-				16,804
Single family owner occupied			2,610				372				410				-				-				3,392
Total covered loans			12,704				6,736				1,043				-				-				20,483
Total loans		$	1,709,594			$	32,895			$	48,270			$	146			$	4			$	1,790,909

		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]

		September 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		$	903			$	918			$	-			$	727			$	988			$	-
Commercial and industrial			300				321				-				315				1,142				-
Multi-family residential			1,380				1,445				-				499				1,010				-
Single family non-owner occupied			2,448				2,782				-				2,042				3,521				-
Non-farm, non-residential			3,859				4,759				-				3,022				5,955				-
Agricultural			102				107				-				102				107				-
Farmland			1,404				1,478				-				395				414				-
Consumer real estate loans
Home equity lines			1,451				1,589				-				1,621				1,770				-
Single family owner occupied			14,963				17,868				-				16,633				18,964				-
Owner occupied construction			227				227				-				231				231				-
Consumer and other loans
Consumer loans			203				209				-				141				144				-
Total impaired loans with no allowance			27,240				31,703				-				25,728				34,246				-
Impaired loans with a related allowance
Commercial loans
Commercial and industrial			-				-				-				343				343				270
Multi-family residential			536				536				235				-				-				-
Single family non-owner occupied			842				842				238				446				446				62
Non-farm, non-residential			-				-				-				262				263				15
Farmland			410				418				158				936				974				233
Consumer real estate loans
Home equity lines			65				68				66				-				-				-
Single family owner occupied			4,907				4,951				1,017				5,586				5,606				1,978
Total impaired loans with an allowance			6,760				6,815				1,714				7,573				7,632				2,558
Total impaired loans (1)		$	34,000			$	38,518			$	1,714			$	33,301			$	41,878			$	2,558

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,
		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		$	-			$	910			$	32			$	907			$	14			$	950			$	32			$	309
Commercial and industrial			3				311				5				754				6				378				8				468
Multi-family residential			5				1,402				-				509				15				832				3				474
Single family non-owner occupied			8				2,529				11				3,304				56				2,599				88				3,313
Non-farm, non-residential			-				3,926				68				5,244				39				5,028				93				3,766
Agricultural			-				103				4				127				-				187				4				127
Farmland			23				1,425				17				1,003				38				1,066				17				1,004
Consumer real estate loans
Home equity lines			3				1,514				15				1,683				20				1,719				35				1,259
Single family owner occupied			15				15,832				137				17,478				208				15,222				317				15,209
Owner occupied construction			-				229				1				235				6				249				6				234
Consumer and other loans
Consumer loans			-				210				1				62				6				164				3				52
Total impaired loans with no related allowance			57				28,391				291				31,306				408				28,394				606				26,215
Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land			-				-				-				-				-				-				-				143
Commercial and industrial			-				-				50				2,516				-				-				103				1,727
Multi-family residential			-				541				-				-				-				271				-				-
Single family non-owner occupied			-				849				8				778				7				644				21				488
Non-farm, non-residential			-				-				-				872				-				770				15				964
Farmland			-				413				-				413				-				409				-				275
Consumer real estate loans
Home equity lines			1				67				-				-				3				69				-				139
Single family owner occupied			35				4,999				24				3,814				126				5,838				92				4,527
Owner occupied construction			-				-				-				-				-				-				-				1
Total impaired loans with a related allowance			36				6,869				82				8,393				136				8,001				231				8,264
Total impaired loans		$	93			$	35,260			$	373			$	39,699			$	544			$	36,395			$	837			$	34,479

Impaired Financing Receivables, Summarized Information [Table Text Block]

		Three Months Ended September 30,								Nine Months Ended September 30,
		2018				2017				2018				2017
(Amounts in thousands)
Interest income recognized		$	-			$	-			$	-			$	20
Average recorded investment			-				-				-				705

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

		September 30, 2018												December 31, 2017
(Amounts in thousands)		Non-covered				Covered				Total				Non-covered				Covered				Total
Commercial loans
Construction, development, and other land		$	485			$	-			$	485			$	-			$	-			$	-
Commercial and industrial			284				-				284				211				-				211
Multi-family residential			1,861				-				1,861				498				-				498
Single family non-owner occupied			1,328				15				1,343				851				19				870
Non-farm, non-residential			3,960				-				3,960				2,448				-				2,448
Agricultural			102				-				102				102				-				102
Farmland			1,055				-				1,055				805				-				805
Consumer real estate loans
Home equity lines			758				277				1,035				882				306				1,188
Single family owner occupied			10,574				38				10,612				13,108				17				13,125
Consumer and other loans
Consumer loans			135				-				135				92				-				92
Total nonaccrual loans		$	20,542			$	330			$	20,872			$	18,997			$	342			$	19,339

Past Due Financing Receivables [Table Text Block]

		September 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		$	87			$	-			$	478			$	565			$	62,092			$	62,657
Commercial and industrial			174				260				216				650				104,953				105,603
Multi-family residential			148				-				1,515				1,663				111,047				112,710
Single family non-owner occupied			762				281				881				1,924				140,667				142,591
Non-farm, non-residential			795				74				2,559				3,428				603,372				606,800
Agricultural			-				-				-				-				9,016				9,016
Farmland			201				321				410				932				19,940				20,872
Consumer real estate loans
Home equity lines			379				199				499				1,077				95,742				96,819
Single family owner occupied			3,247				1,802				3,938				8,987				511,376				520,363
Owner occupied construction			90				-				-				90				17,799				17,889
Consumer and other loans
Consumer loans			484				169				117				770				69,204				69,974
Other			-				-				-				-				5,132				5,132
Total non-covered loans			6,367				3,106				10,613				20,086				1,750,340				1,770,426
Covered loans
Commercial loans
Construction, development, and other land			-				-				-				-				35				35
Single family non-owner occupied			-				-				-				-				245				245
Non-farm, non-residential			-				-				-				-				7				7
Consumer real estate loans
Home equity lines			184				239				26				449				16,355				16,804
Single family owner occupied			59				-				30				89				3,303				3,392
Total covered loans			243				239				56				538				19,945				20,483
Total loans		$	6,610			$	3,345			$	10,669			$	20,624			$	1,770,285			$	1,790,909

		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]

		September 30, 2018												December 31, 2017
(Amounts in thousands)		Nonaccrual (1)				Accruing				Total				Nonaccrual (1)				Accruing				Total
Commercial loans
Single family non-owner occupied		$	332			$	311			$	643			$	364			$	528			$	892
Non-farm, non-residential			-				315				315				-				295				295
Consumer real estate loans
Home equity lines			-				130				130				-				145				145
Single family owner occupied			1,881				6,124				8,005				1,565				6,496				8,061
Owner occupied construction			-				227				227				-				233				233
Consumer and other loans
Consumer loans			-				35				35				-				37				37
Total TDRs		$	2,213			$	7,142			$	9,355			$	1,929			$	7,734			$	9,663
Allowance for loan losses related to TDRs										$	632											$	642

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

		Three Months Ended September 30,								Nine Months Ended September 30,
		2018				2017				2018				2017
(Amounts in thousands)
Interest income recognized		$	73			$	74			$	207			$	159

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		Three Months Ended September 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			$	11			$	11				-			$	-			$	-
Below market interest rate and extended payment term
Single family owner occupied			-				-				-				1				42				42
Total			1			$	11			$	11				1			$	42			$	42

		Nine Months Ended September 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			$	11			$	11				-			$	-			$	-
Below market interest rate and extended payment term
Single family owner occupied			1				41				41				3				141				141
Total			2			$	52			$	52				3			$	141			$	141

Other Real Estate Owned [Table Text Block]

		September 30, 2018				December 31, 2017
(Amounts in thousands)
Non-covered OREO		$	4,754			$	2,409
Covered OREO			44				105
Total OREO		$	4,798			$	2,514
Non-covered OREO secured by residential real estate		$	3,331			$	2,209
Residential real estate loans in the foreclosure process (1)			7,129				9,921

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