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Note 6 - Allowance for Loan Losses (Tables) | 3 Months Ended
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Mar. 31, 2020
Notes Tables |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | Three Months Ended March 31, 2020 |
(Amounts in thousands) |  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 10,235 |  |  | $ | 6,325 |  |  | $ | 1,865 |  |  | $ | 18,425 |
Provision for (recovery of) loan losses charged to operations |  |  | 1,987 |  |  |  | 1,145 |  |  |  | 368 |  |  |  | 3,500 |
Charge-offs |  |  | (268 | ) |  |  | (63 | ) |  |  | (863 | ) |  |  | (1,194 | )
Recoveries |  |  | 121 |  |  |  | 112 |  |  |  | 173 |  |  |  | 406 |
Net (charge-offs) recoveries |  |  | (147 | ) |  |  | 49 |  |  |  | (690 | ) |  |  | (788 | )
Ending balance |  | $ | 12,075 |  |  | $ | 7,519 |  |  | $ | 1,543 |  |  | $ | 21,137 |
|  | Three Months Ended March 31, 2019 |
(Amounts in thousands) |  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 10,499 |  |  | $ | 6,732 |  |  | $ | 1,036 |  |  | $ | 18,267 |
(Recovery of) provision for loan losses charged to operations |  |  | (106 | ) |  |  | 817 |  |  |  | 509 |  |  |  | 1,220 |
Charge-offs |  |  | (492 | ) |  |  | (759 | ) |  |  | (371 | ) |  |  | (1,622 | )
Recoveries |  |  | 164 |  |  |  | 66 |  |  |  | 148 |  |  |  | 378 |
Net charge-offs |  |  | (328 | ) |  |  | (693 | ) |  |  | (223 | ) |  |  | (1,244 | )
Ending balance |  | $ | 10,065 |  |  | $ | 6,856 |  |  | $ | 1,322 |  |  | $ | 18,243 |
Allowance for Credit Losses and Recorded Investment in Loans by Segment and Class [Table Text Block] |
|  | March 31, 2020 |
(Amounts in thousands) |  | Loans Individually Evaluated for Impairment |  |  | Allowance for Loans Individually Evaluated |  |  | Loans Collectively Evaluated for Impairment |  |  | Allowance for Loans Collectively Evaluated |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | - |  |  | $ | - |  |  | $ | 51,051 |  |  | $ | 299 |
Commercial and industrial |  |  | - |  |  |  | - |  |  |  | 127,267 |  |  |  | 762 |
Multi-family residential |  |  | 944 |  |  |  | 279 |  |  |  | 107,615 |  |  |  | 972 |
Single family non-owner occupied |  |  | - |  |  |  | - |  |  |  | 180,696 |  |  |  | 1,467 |
Non-farm, non-residential |  |  | 1,910 |  |  |  | 652 |  |  |  | 705,808 |  |  |  | 7,178 |
Agricultural |  |  | - |  |  |  | - |  |  |  | 11,268 |  |  |  | 172 |
Farmland |  |  | - |  |  |  | - |  |  |  | 22,676 |  |  |  | 217 |
Total commercial loans |  |  | 2,854 |  |  |  | 931 |  |  |  | 1,206,381 |  |  |  | 11,067 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | - |  |  |  | - |  |  |  | 113,075 |  |  |  | 724 |
Single family owner occupied |  |  | 2,995 |  |  |  | 350 |  |  |  | 591,989 |  |  |  | 5,728 |
Owner occupied construction |  |  | - |  |  |  | - |  |  |  | 13,946 |  |  |  | 111 |
Total consumer real estate loans |  |  | 2,995 |  |  |  | 350 |  |  |  | 719,010 |  |  |  | 6,563 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | - |  |  |  | - |  |  |  | 110,992 |  |  |  | 2,226 |
Other |  |  | - |  |  |  | - |  |  |  | 4,573 |  |  |  | - |
Total consumer and other loans |  |  | - |  |  |  | - |  |  |  | 115,565 |  |  |  | 2,226 |
Total loans, excluding PCI loans |  | $ | 5,849 |  |  | $ | 1,281 |  |  | $ | 2,040,956 |  |  | $ | 19,856 |
|  | December 31, 2019 |
(Amounts in thousands) |  | Loans Individually Evaluated for Impairment |  |  | Allowance for Loans Individually Evaluated |  |  | Loans Collectively Evaluated for Impairment |  |  | Allowance for Loans Collectively Evaluated |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | - |  |  | $ | - |  |  | $ | 30,334 |  |  | $ | 245 |
Commercial and industrial |  |  | - |  |  |  | - |  |  |  | 95,659 |  |  |  | 699 |
Multi-family residential |  |  | 944 |  |  |  | - |  |  |  | 98,201 |  |  |  | 969 |
Single family non-owner occupied |  |  | - |  |  |  | - |  |  |  | 128,520 |  |  |  | 1,323 |
Non-farm, non-residential |  |  | 2,575 |  |  |  | 292 |  |  |  | 591,520 |  |  |  | 6,361 |
Agricultural |  |  | - |  |  |  | - |  |  |  | 9,458 |  |  |  | 145 |
Farmland |  |  | - |  |  |  | - |  |  |  | 16,146 |  |  |  | 201 |
Total commercial loans |  |  | 3,519 |  |  |  | 292 |  |  |  | 969,838 |  |  |  | 9,943 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | - |  |  |  | - |  |  |  | 91,999 |  |  |  | 673 |
Single family owner occupied |  |  | 3,016 |  |  |  | 353 |  |  |  | 490,712 |  |  |  | 5,175 |
Owner occupied construction |  |  | - |  |  |  | - |  |  |  | 16,144 |  |  |  | 124 |
Total consumer real estate loans |  |  | 3,016 |  |  |  | 353 |  |  |  | 598,855 |  |  |  | 5,972 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | - |  |  |  | - |  |  |  | 99,199 |  |  |  | 1,865 |
Other |  |  | - |  |  |  | - |  |  |  | 4,742 |  |  |  | - |
Total consumer and other loans |  |  | - |  |  |  | - |  |  |  | 103,941 |  |  |  | 1,865 |
Total loans, excluding PCI loans |  | $ | 6,535 |  |  | $ | 645 |  |  | $ | 1,672,634 |  |  | $ | 17,780 |
Schedule of Information Related to Purchased Credit Impaired Loans [Table Text Block] |
|  | March 31, 2020 |  |  | December 31, 2019 |
(Amounts in thousands) |  | Recorded Investment |  |  | Allowance for Loan Pools With Impairment |  |  | Recorded Investment |  |  | Allowance for Loan Pools With Impairment |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Waccamaw commercial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Peoples commercial |  |  | - |  |  |  | - |  |  |  | 4,371 |  |  |  | - |
Highlands: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family, senior-commercial |  |  | 7,269 |  |  |  | - |  |  |  | 4,564 |  |  |  | - |
Construction & land development |  |  | 2,297 |  |  |  | - |  |  |  | 1,956 |  |  |  | - |
Farmland and other agricultural |  |  | 3,404 |  |  |  | - |  |  |  | 3,722 |  |  |  | - |
Multifamily |  |  | 1,643 |  |  |  | - |  |  |  | 1,663 |  |  |  | - |
Commercial real estate |  |  | 18,948 |  |  |  | - |  |  |  | 21,710 |  |  |  | - |
Commercial and industrial |  |  | 2,461 |  |  |  | - |  |  |  | 2,829 |  |  |  | - |
Other |  |  | - |  |  |  | - |  |  |  | 352 |  |  |  | - |
Total commercial loans |  |  | 36,022 |  |  |  | - |  |  |  | 41,167 |  |  |  | - |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Waccamaw serviced home equity lines |  |  | - |  |  |  | - |  |  |  | 2,121 |  |  |  | - |
Waccamaw residential |  |  | - |  |  |  | - |  |  |  | 587 |  |  |  | - |
Highlands: |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
1-4 family, junior and HELOCS |  |  | 1,615 |  |  |  | - |  |  |  | 2,157 |  |  |  | - |
1-4 family, senior-consumer |  |  | 11,148 |  |  |  | - |  |  |  | 13,174 |  |  |  | - |
Consumer |  |  | 1,135 |  |  |  | - |  |  |  | 1,341 |  |  |  | - |
Peoples residential |  |  | - |  |  |  | - |  |  |  | 700 |  |  |  | - |
Total consumer real estate loans |  |  | 13,898 |  |  |  | - |  |  |  | 20,080 |  |  |  | - |
Total PCI loans |  | $ | 49,920 |  |  | $ | - |  |  | $ | 61,247 |  |  | $ | - |

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