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Note 4 - Credit Quality (Tables)

9 Months Ended

Sep. 30, 2019

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

		September 30, 2019
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	60,124			$	574			$	652			$	-			$	-			$	61,350
Commercial and industrial			90,609				1,524				1,494				-				-				93,627
Multi-family residential			94,122				822				1,330				-				-				96,274
Single family non-owner occupied			126,204				3,720				5,374				-				-				135,298
Non-farm, non-residential			565,732				4,687				14,478				-				-				584,897
Agricultural			8,862				71				496				-				-				9,429
Farmland			14,697				510				1,521				-				-				16,728
Consumer real estate loans
Home equity lines			83,844				683				1,822				-				-				86,349
Single family owner occupied			457,680				3,510				23,377				-				-				484,567
Owner occupied construction			14,200				-				672				-				-				14,872
Consumer and other loans
Consumer loans			91,457				3				567				-				-				92,027
Other			4,540				-				-				-				-				4,540
Total non-covered loans			1,612,071				16,104				51,783				-				-				1,679,958
Covered loans
Commercial loans
Construction, development, and other land			-				30				-				-				-				30
Single family non-owner occupied			205				-				11				-				-				216
Non-farm, non-residential			-				-				4				-				-				4
Consumer real estate loans
Home equity lines			7,625				3,047				359				-				-				11,031
Single family owner occupied			2,157				359				361				-				-				2,877
Total covered loans			9,987				3,436				735				-				-				14,158
Total loans		$	1,622,058			$	19,540			$	52,518			$	-			$	-			$	1,694,116

		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]

		September 30, 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		$	560			$	776			$	-			$	824			$	840			$	-
Commercial and industrial			63				82				-				386				416				-
Multi-family residential			1,255				1,662				-				1,127				1,274				-
Single family non-owner occupied			2,888				3,420				-				2,761				3,095				-
Non-farm, non-residential			4,525				5,129				-				4,154				4,494				-
Agricultural			217				224				-				86				96				-
Farmland			1,519				1,793				-				1,464				1,547				-
Consumer real estate loans
Home equity lines			1,436				1,551				-				1,315				1,451				-
Single family owner occupied			15,990				18,170				-				15,451				18,390				-
Owner occupied construction			222				222				-				225				225				-
Consumer and other loans
Consumer loans			284				317				-				145				156				-
Total impaired loans with no allowance			28,959				33,346				-				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			1,250				1,250				301				840				842				235
Farmland			-				-				-				-				-				-
Consumer real estate loans
Home equity lines			-				-				-				65				68				65
Single family owner occupied			1,251				1,251				356				3,631				3,683				922
Total impaired loans with an allowance			2,501				2,501				657				5,070				5,129				1,452
Total impaired loans (1)		$	31,460			$	35,847			$	657			$	33,008			$	37,113			$	1,452

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,
		2019								2018								2019								2018
(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		$	5			$	570			$	-			$	910			$	17			$	720			$	14			$	950
Commercial and industrial			2				66				3				311				7				277				6				378
Multi-family residential			5				1,269				5				1,402				21				1,385				15				832
Single family non-owner occupied			41				2,958				8				2,529				97				3,063				56				2,599
Non-farm, non-residential			20				4,590				-				3,926				84				4,832				39				5,028
Agricultural			9				223				-				103				11				108				-				187
Farmland			19				1,536				23				1,425				45				1,474				38				1,066
Consumer real estate loans
Home equity lines			17				1,463				3				1,514				31				1,452				20				1,719
Single family owner occupied			176				16,593				15				15,832				454				16,123				208				15,222
Owner occupied construction			3				224				-				229				7				223				6				249
Consumer and other loans
Consumer loans			6				319				-				210				10				187				6				164
Total impaired loans with no related allowance			303				29,811				57				28,391				784				29,844				408				28,394
Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land			-				-				-				-				-				-				-				-
Commercial and industrial			-				-				-				-				-				-				-				-
Multi-family residential			-				-				-				541				-				-				-				271
Single family non-owner occupied			-				-				-				849				-				-				7				644
Non-farm, non-residential			20				1,254				-				-				28				602				-				770
Farmland			-				-				-				413				-				-				-				409
Consumer real estate loans
Home equity lines			-				-				1				67				-				-				3				69
Single family owner occupied			(30	)			1,253				35				4,999				35				2,177				126				5,838
Owner occupied construction			-				-				-				-				-				-				-				-
Total impaired loans with a related allowance			(10	)			2,507				36				6,869				63				2,779				136				8,001
Total impaired loans		$	293			$	32,318			$	93			$	35,260			$	847			$	32,623			$	544			$	36,395

Financing Receivable, Nonaccrual [Table Text Block]

		September 30, 2019												December 31, 2018
(Amounts in thousands)		Non-covered				Covered				Total				Non-covered				Covered				Total
Commercial loans
Construction, development, and other land		$	212			$	-			$	212			$	413			$	-			$	413
Commercial and industrial			14				-				14				428				-				428
Multi-family residential			1,144				-				1,144				1,395				-				1,395
Single family non-owner occupied			1,463				11				1,474				1,696				15				1,711
Non-farm, non-residential			3,753				-				3,753				4,020				-				4,020
Agricultural			217				-				217				86				-				86
Farmland			789				-				789				711				-				711
Consumer real estate loans
Home equity lines			657				227				884				614				271				885
Single family owner occupied			8,236				5				8,241				10,141				36				10,177
Consumer and other loans
Consumer loans			216				-				216				79				-				79
Total nonaccrual loans		$	16,701			$	243			$	16,944			$	19,583			$	322			$	19,905

Financing Receivable, Past Due [Table Text Block]

		September 30, 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		$	-			$	-			$	212			$	212			$	61,138			$	61,350
Commercial and industrial			537				792				-				1,329				92,298				93,627
Multi-family residential			-				-				1,144				1,144				95,130				96,274
Single family non-owner occupied			848				220				740				1,808				133,490				135,298
Non-farm, non-residential			418				978				2,725				4,121				580,776				584,897
Agricultural			37				-				47				84				9,345				9,429
Farmland			237				-				738				975				15,753				16,728
Consumer real estate loans
Home equity lines			705				128				500				1,333				85,016				86,349
Single family owner occupied			3,481				1,322				3,562				8,365				476,202				484,567
Owner occupied construction			-				-				-				-				14,872				14,872
Consumer and other loans
Consumer loans			1,013				147				144				1,304				90,723				92,027
Other			-				-				-				-				4,540				4,540
Total non-covered loans			7,276				3,587				9,812				20,675				1,659,283				1,679,958
Covered loans
Commercial loans
Construction, development, and other land			-				-				-				-				30				30
Single family non-owner occupied			11				-				-				11				205				216
Non-farm, non-residential			-				-				-				-				4				4
Consumer real estate loans
Home equity lines			476				2				-				478				10,553				11,031
Single family owner occupied			-				27				-				27				2,850				2,877
Total covered loans			487				29				-				516				13,642				14,158
Total loans		$	7,763			$	3,616			$	9,812			$	21,191			$	1,672,925			$	1,694,116

		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]

		September 30, 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			556				600				1,156				640				309				949
Non-farm, non-residential			-				309				309				-				314				314
Consumer real estate loans
Home equity lines			3				116				119				-				127				127
Single family owner occupied			1,963				5,023				6,986				1,941				5,417				7,358
Owner occupied construction			-				222				222				-				225				225
Consumer and other loans
Consumer loans			-				33				33				-				35				35
Total TDRs		$	2,522			$	6,303			$	8,825			$	2,581			$	6,427			$	9,008
Allowance for loan losses related to TDRs										$	356											$	568

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

		Three Months Ended September 30,								Nine Months Ended September 30
		2019				2018				2019				2018
(Amounts in thousands)
Interest income recognized		$	56			$	73			$	203			$	207

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

		Three Months Ended September 30,
		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
Single family owner occupied			-			$	-			$	-				1			$	11			$	11
Total below market interest rate			-				-				-				1				11				11
Payment deferral
Single family owner occupied			1				33				29				-				-				-
Home equity lines			-				-				-				-				-				-
Total principal deferral			1				33				29				0				-				-
Total			1			$	33			$	29				1			$	11			$	11

		Nine Months Ended September 30,
		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
Single family owner occupied			-			$	-			$	-				1			$	11			$	11
Total below market interest rate			-				-				-				1				11				11
Below market interest rate and extended payment term
Single family owner occupied			2			$	221			$	218				1			$	41			$	41
Single family non-owner occupied			2				488				480				-				-				-
Total below market interest rate and extended payment term			4				709				698				1				41				41
Payment deferral
Single family owner occupied			1				33				29				-				-				-
Home equity lines			-				-				-				-				-				-
Total principal deferral			1				33				29				-				-				-
Total			5			$	742			$	727				2			$	52			$	52

Other Real Estate Owned [Table Text Block]

		September 30, 2019				December 31, 2018
(Amounts in thousands)
Non-covered OREO		$	2,528			$	3,806
Covered OREO			-				32
Total OREO		$	2,528			$	3,838
Non-covered OREO secured by residential real estate		$	1,530			$	2,303
Residential real estate loans in the foreclosure process (1)			2,275				6,349

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- Definition

Tabular disclosure of financing receivable modified as troubled debt restructuring.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 33
-URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953676-111524

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953682-111524

+ Details

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Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration