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Note 4 - Credit Quality (Tables)

3 Months Ended

Mar. 31, 2019

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

		March 31, 2019
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	62,395			$	639			$	941			$	-			$	-			$	63,975
Commercial and industrial			91,320				1,852				867				-				-				94,039
Multi-family residential			99,811				847				1,413				-				-				102,071
Single family non-owner occupied			131,049				4,139				4,849				-				-				140,037
Non-farm, non-residential			582,290				7,447				12,324				146				-				602,207
Agricultural			8,807				119				49				-				-				8,975
Farmland			16,300				528				1,741				-				-				18,569
Consumer real estate loans
Home equity lines			87,657				641				1,702				-				-				90,000
Single family owner occupied			474,928				3,925				23,206				-				-				502,059
Owner occupied construction			13,570				-				297				-				-				13,867
Consumer and other loans
Consumer loans			78,830				11				344				-				-				79,185
Other			4,921				-				-				-				-				4,921
Total non-covered loans			1,651,878				20,148				47,733				146				-				1,719,905
Covered loans
Commercial loans
Construction, development, and other land			-				33				-				-				-				33
Single family non-owner occupied			216				-				15				-				-				231
Non-farm, non-residential			-				-				6				-				-				6
Consumer real estate loans
Home equity lines			8,953				4,791				332				-				-				14,076
Single family owner occupied			2,393				339				397				-				-				3,129
Total covered loans			11,562				5,163				750				-				-				17,475
Total loans		$	1,663,440			$	25,311			$	48,483			$	146			$	-			$	1,737,380

		December 31, 2018
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	61,877			$	661			$	970			$	-			$	-			$	63,508
Commercial and industrial			102,044				2,166				653				-				-				104,863
Multi-family residential			104,183				1,087				1,742				-				-				107,012
Single family non-owner occupied			131,443				4,395				4,259				-				-				140,097
Non-farm, non-residential			595,659				8,166				9,906				146				-				613,877
Agricultural			8,328				131				86				-				-				8,545
Farmland			16,898				538				1,469				-				-				18,905
Consumer real estate loans
Home equity lines			91,194				649				1,623				-				-				93,466
Single family owner occupied			482,794				4,355				23,814				-				-				510,963
Owner occupied construction			17,872				-				299				-				-				18,171
Consumer and other loans
Consumer loans			71,240				4				308				-				-				71,552
Other			5,310				-				-				-				-				5,310
Total non-covered loans			1,688,842				22,152				45,129				146				-				1,756,269
Covered loans
Commercial loans
Construction, development, and other land			-				35				-				-				-				35
Single family non-owner occupied			223				-				15				-				-				238
Non-farm, non-residential			-				-				6				-				-				6
Consumer real estate loans
Home equity lines			9,511				5,244				529				-				-				15,284
Single family owner occupied			2,507				355				390				-				-				3,252
Total covered loans			12,241				5,634				940				-				-				18,815
Total loans		$	1,701,083			$	27,786			$	46,069			$	146			$	-			$	1,775,084

Impaired Financing Receivables [Table Text Block]

		March 31, 2019												December 31, 2018
						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		$	803			$	831			$	-			$	824			$	840			$	-
Commercial and industrial			615				641				-				386				416				-
Multi-family residential			1,334				1,804				-				1,127				1,274				-
Single family non-owner occupied			3,003				3,255				-				2,761				3,095				-
Non-farm, non-residential			4,553				4,987				-				4,154				4,494				-
Agricultural			49				51				-				86				96				-
Farmland			1,464				1,548				-				1,464				1,547				-
Consumer real estate loans
Home equity lines			1,411				1,515				-				1,315				1,451				-
Single family owner occupied			15,554				17,912				-				15,451				18,390				-
Owner occupied construction			224				224				-				225				225				-
Consumer and other loans
Consumer loans			104				107				-				145				156				-
Total impaired loans with no allowance			29,114				32,875				-				27,938				31,984				-
Impaired loans with a related allowance
Commercial loans
Commercial and industrial			-				-				-				-				-				-
Multi-family residential			-				-				-				534				536				230
Single family non-owner occupied			-				-				-				-				-				-
Non-farm, non-residential			-				-				-				840				842				235
Farmland			-				-				-				-				-				-
Consumer real estate loans
Home equity lines			-				-				-				65				68				65
Single family owner occupied			2,319				2,319				684				3,631				3,683				922
Total impaired loans with an allowance			2,319				2,319				684				5,070				5,129				1,452
Total impaired loans (1)		$	31,433			$	35,194			$	684			$	33,008			$	37,113			$	1,452

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

		Three Months Ended March 31,
		2019								2018
(Amounts in thousands)		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		$	7			$	800			$	13			$	1,116
Commercial and industrial			3				617				1				585
Multi-family residential			9				1,618				10				799
Single family non-owner occupied			28				2,994				23				2,960
Non-farm, non-residential			17				4,675				39				7,109
Agricultural			2				53				-				283
Farmland			16				1,449				9				438
Consumer real estate loans
Home equity lines			7				1,408				7				1,806
Single family owner occupied			124				15,939				107				15,586
Owner occupied construction			2				221				3				227
Consumer and other loans
Consumer loans			1				105				1				76
Total impaired loans with no related allowance			216				29,879				213				30,985
Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land			-				-				-				-
Commercial and industrial			-				-				-				-
Single family non-owner occupied			-				-				7				439
Non-farm, non-residential			-				-				-				166
Farmland			-				-				-				404
Consumer real estate loans
Home equity lines			-				-				-				72
Single family owner occupied			29				2,291				32				5,474
Owner occupied construction			-				-				-				-
Total impaired loans with a related allowance			29				2,291				39				6,555
Total impaired loans		$	245			$	32,170			$	252			$	37,540

Financing Receivable, Nonaccrual [Table Text Block]

		March 31, 2019												December 31, 2018
(Amounts in thousands)		Non-covered				Covered				Total				Non-covered				Covered				Total
Commercial loans
Construction, development, and other land		$	400			$	-			$	400			$	413			$	-			$	413
Commercial and industrial			597				-				597				428				-				428
Multi-family residential			1,074				-				1,074				1,395				-				1,395
Single family non-owner occupied			2,166				13				2,179				1,696				15				1,711
Non-farm, non-residential			3,559				-				3,559				4,020				-				4,020
Agricultural			49				-				49				86				-				86
Farmland			717				-				717				711				-				711
Consumer real estate loans
Home equity lines			699				189				888				614				271				885
Single family owner occupied			9,232				35				9,267				10,141				36				10,177
Consumer and other loans
Consumer loans			51				-				51				79				-				79
Total nonaccrual loans		$	18,544			$	237			$	18,781			$	19,583			$	322			$	19,905

Financing Receivable, Past Due [Table Text Block]

		March 31, 2019
		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		$	135			$	-			$	395			$	530			$	63,445			$	63,975
Commercial and industrial			372				16				507				895				93,144				94,039
Multi-family residential			-				-				956				956				101,115				102,071
Single family non-owner occupied			721				638				1,149				2,508				137,529				140,037
Non-farm, non-residential			2,170				1,030				2,149				5,349				596,858				602,207
Agricultural			-				-				-				-				8,975				8,975
Farmland			510				260				457				1,227				17,342				18,569
Consumer real estate loans
Home equity lines			219				278				484				981				89,019				90,000
Single family owner occupied			4,529				3,691				3,450				11,670				490,389				502,059
Owner occupied construction			-				-				-				-				13,867				13,867
Consumer and other loans
Consumer loans			674				103				42				819				78,366				79,185
Other			-				-				-				-				4,921				4,921
Total non-covered loans			9,330				6,016				9,589				24,935				1,694,970				1,719,905
Covered loans
Commercial loans
Construction, development, and other land			-				-				-				-				33				33
Single family non-owner occupied			13				-				-				13				218				231
Non-farm, non-residential			-				-				-				-				6				6
Consumer real estate loans
Home equity lines			578				-				-				578				13,498				14,076
Single family owner occupied			53				-				-				53				3,076				3,129
Total covered loans			644				-				-				644				16,831				17,475
Total loans		$	9,974			$	6,016			$	9,589			$	25,579			$	1,711,801			$	1,737,380

		December 31, 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		$	111			$	-			$	407			$	518			$	62,990			$	63,508
Commercial and industrial			306				-				262				568				104,295				104,863
Multi-family residential			113				-				1,274				1,387				105,625				107,012
Single family non-owner occupied			514				1,115				992				2,621				137,476				140,097
Non-farm, non-residential			1,332				540				2,398				4,270				609,607				613,877
Agricultural			109				-				-				109				8,436				8,545
Farmland			640				-				392				1,032				17,873				18,905
Consumer real estate loans
Home equity lines			408				209				334				951				92,515				93,466
Single family owner occupied			5,006				3,495				4,445				12,946				498,017				510,963
Owner occupied construction			-				-				-				-				18,171				18,171
Consumer and other loans
Consumer loans			507				200				59				766				70,786				71,552
Other			-				-				-				-				5,310				5,310
Total non-covered loans			9,046				5,559				10,563				25,168				1,731,101				1,756,269
Covered loans
Commercial loans
Construction, development, and other land			-				-				-				-				35				35
Single family non-owner occupied			15				-				-				15				223				238
Non-farm, non-residential			-				-				-				-				6				6
Consumer real estate loans
Home equity lines			176				38				91				305				14,979				15,284
Single family owner occupied			166				-				-				166				3,086				3,252
Total covered loans			357				38				91				486				18,329				18,815
Total loans		$	9,403			$	5,597			$	10,654			$	25,654			$	1,749,430			$	1,775,084

Trouble Debt Restructuring Accrual Status [Table Text Block]

		March 31, 2019												December 31, 2018
(Amounts in thousands)		Nonaccrual (1)				Accruing				Total				Nonaccrual (1)				Accruing				Total
Commercial loans
Construction, development, and other land		$	-			$	-			$	-			$	-			$	-			$	-
Single family non-owner occupied			638				610			$	1,248			$	640			$	309			$	949
Non-farm, non-residential			-				313				313				-				314				314
Consumer real estate loans
Home equity lines			4				123				127				-				127				127
Single family owner occupied			2,221				5,185				7,406				1,941				5,417				7,358
Owner occupied construction			-				224				224				-				225				225
Consumer and other loans
Consumer loans			-				34				34				-				35				35
Total TDRs		$	2,863			$	6,489			$	9,352			$	2,581			$	6,427			$	9,008
Allowance for loan losses related to TDRs										$	481											$	568

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

		Three Months Ended March 31
		2019				2018
(Amounts in thousands)
Interest income recognized		$	63			$	70

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

		Three Months Ended March 31,
		2019												2018
(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 and extended payment term
Single family owner occupied		$	2			$	374			$	372				-				-				-
Single family non-owner occupied			1				304				304				-				-				-
Consumer loans			-				-				-				-				-				-
Other			-				-				-				-				-				-
Total below market interest rate and extended payment term			3				678				676				-				-				-
Payment deferral
Single family owner occupied			1				66				49				-				-				-
Home equity lines			1				4				4				-				-				-
Total principal deferral			2				70				53				-				-				-

Other Real Estate Owned [Table Text Block]

		March 31, 2019				December 31, 2018
(Amounts in thousands)
Non-covered OREO		$	3,903			$	3,806
Covered OREO			152				32
Total OREO		$	4,055			$	3,838
Non-covered OREO secured by residential real estate		$	2,653			$	2,303
Residential real estate loans in the foreclosure process (1)			4,152				6,349

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