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Note 5 - Credit Quality (Tables)

6 Months Ended

Jun. 30, 2020

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

		June 30, 2020
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	35,181			$	14,669			$	2,735			$	-			$	-			$	52,585
Commercial and industrial			153,507				22,852				7,939				-				-				184,298
Multi-family residential			80,539				21,771				3,458				-				-				105,768
Single family non-owner occupied			138,578				35,590				14,207				14				-				188,389
Non-farm, non-residential			474,297				207,483				41,320				-				-				723,100
Agricultural			6,650				3,443				314				-				-				10,407
Farmland			12,933				5,452				5,277				-				-				23,662
Consumer real estate loans
Home equity lines			94,694				1,397				3,475				-				-				99,566
Single family owner occupied			565,016				3,245				35,185				-				-				603,446
Owner occupied construction			14,498				202				611				-				-				15,311
Consumer and other loans
Consumer loans			112,537				109				1,905				-				-				114,551
Other			4,477				-				-				-				-				4,477
Total non-covered loans			1,692,907				316,213				116,426				14				-				2,125,560
Covered loans
Commercial loans
Construction, development, and other land			-				27				-				-				-				27
Single family non-owner occupied			191				-				-				-				-				191
Non-farm, non-residential			-				-				1				-				-				1
Consumer real estate loans
Home equity lines			7,803				379				330				-				-				8,512
Single family owner occupied			1,890				272				364				-				-				2,526
Total covered loans			9,884				678				695				-				-				11,257
Total loans		$	1,702,791			$	316,891			$	117,121			$	14			$	-			$	2,136,817

		December 31, 2019
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	45,781			$	2,079			$	799			$	-			$	-			$	48,659
Commercial and industrial			135,651				4,327				2,984				-				-				142,962
Multi-family residential			118,045				2,468				1,327				-				-				121,840
Single family non-owner occupied			149,916				7,489				5,776				-				-				163,181
Non-farm, non-residential			683,481				27,160				16,620				-				-				727,261
Agricultural			11,299				122				335				-				-				11,756
Farmland			17,609				4,107				1,439				-				-				23,155
Consumer real estate loans
Home equity lines			106,246				2,014				1,818				-				-				110,078
Single family owner occupied			580,580				17,001				23,116				-				-				620,697
Owner occupied construction			16,341				179				721				-				-				17,241
Consumer and other loans
Consumer loans			108,065				1,341				621				-				-				110,027
Other			4,742				-				-				-				-				4,742
Total non-covered loans			1,977,756				68,287				55,556				-				-				2,101,599
Covered loans
Commercial loans
Construction, development, and other land			-				28				-				-				-				28
Single family non-owner occupied			199				-				-				-				-				199
Non-farm, non-residential			-				-				3				-				-				3
Consumer real estate loans
Home equity lines			7,177				2,327				349				-				-				9,853
Single family owner occupied			2,111				275				392				-				-				2,778
Total covered loans			9,487				2,630				744				-				-				12,861
Total loans		$	1,987,243			$	70,917			$	56,300			$	-			$	-			$	2,114,460

Impaired Financing Receivables [Table Text Block]

		June 30, 2020												December 31, 2019
						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		$	877			$	1,101			$	-			$	552			$	768			$	-
Commercial and industrial			2,890				3,458				-				576				599				-
Multi-family residential			341				772				-				1,254				1,661				-
Single family non-owner occupied			5,027				5,760				-				2,652				3,176				-
Non-farm, non-residential			7,659				9,433				-				4,158				4,762				-
Agricultural			261				265				-				158				164				-
Farmland			1,815				1,907				-				1,437				1,500				-
Consumer real estate loans
Home equity lines			1,604				1,756				-				1,372				1,477				-
Single family owner occupied			16,717				19,858				-				15,588				17,835				-
Owner occupied construction			540				548				-				648				648				-
Consumer and other loans
Consumer loans			500				507				-				290				294				-
Total impaired loans with no allowance			38,231				45,365				-				28,685				32,884				-
Impaired loans with a related allowance
Commercial loans
Commercial and industrial			-				-				-				-				-				-
Multi-family residential			944				1,277				279				-				-				-
Single family non-owner occupied			-				-				-				-				-				-
Non-farm, non-residential			1,798				1,982				684				1,241				1,227				292
Farmland			-				-				-				-				-				-
Consumer real estate loans
Home equity lines			-				-				-				-				-				-
Single family owner occupied			1,769				1,869				370				1,246				1,246				353
Consumer and other loans
Consumer loans			-				-				-				-				-				-
Total impaired loans with an allowance			4,511				5,128				1,333				2,487				2,473				645
Total impaired loans(1)		$	42,742			$	50,493			$	1,333			$	31,172			$	35,357			$	645

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,
		2020								2019								2020								2019
(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		$	7			$	882			$	5			$	790			$	15			$	1,091			$	12			$	795
Commercial and industrial			60				3,191				2				149				89				2,610				5				383
Multi-family residential			18				417				7				1,269				29				544				16				1,444
Single family non-owner occupied			37				5,203				28				3,237				72				4,652				56				3,116
Non-farm, non-residential			84				8,886				47				5,230				127				6,780				64				4,953
Agricultural			2				264				-				48				3				235				2				51
Farmland			15				1,835				10				1,438				36				1,698				26				1,444
Consumer real estate loans
Home equity lines			7				1,652				7				1,484				16				1,560				14				1,446
Single family owner occupied			122				17,251				154				15,838				290				17,401				278				15,889
Owner occupied construction			4				534				2				223				10				434				4				222
Consumer and other loans
Consumer loans			7				507				3				137				11				455				4				121
Total impaired loans with no related allowance			363				40,622				265				29,843				698				37,460				481				29,864
Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land			-				-				-				-				-				-				-				-
Commercial and industrial			-				-				-				-				-				-				-				-
Multi-family residential			-				944				-				-				-				943				-				-
Single family non-owner occupied			-				-				-				-				-				-				-				-
Non-farm, non-residential			14				1,884				8				553				14				1,611				8				277
Farmland			-				-				-				-				-				-				-				-
Consumer real estate loans
Home equity lines			-				-				-				-				-				-				-				-
Single family owner occupied			11				1,777				36				2,987				24				1,508				65				2,639
Owner occupied construction			-				-				-				-				-				-				-				-
Total impaired loans with a related allowance			25				4,605				44				3,540				38				4,062				73				2,916
Total impaired loans		$	388			$	45,227			$	309			$	33,383			$	736			$	41,522			$	554			$	32,780

Financing Receivable, Nonaccrual [Table Text Block]

		June 30, 2020												December 31, 2019
(Amounts in thousands)		Non-covered				Covered				Total				Non-covered				Covered				Total
Commercial loans
Construction, development, and other land		$	540			$	-			$	540			$	211			$	-			$	211
Commercial and industrial			1,379				-				1,379				530				-				530
Multi-family residential			1,205				-				1,205				1,144				-				1,144
Single family non-owner occupied			3,071				-				3,071				1,286				-				1,286
Non-farm, non-residential			6,556				-				6,556				3,400				-				3,400
Agricultural			262				-				262				158				-				158
Farmland			1,106				-				1,106				713				-				713
Consumer real estate loans
Home equity lines			1,069				278				1,347				753				220				973
Single family owner occupied			8,521				21				8,542				7,259				24				7,283
Owner occupied construction			321				-				321				428				-				428
Consumer and other loans
Consumer loans			441				-				441				231				-				231
Total nonaccrual loans		$	24,471			$	299			$	24,770			$	16,113			$	244			$	16,357

Financing Receivable, Past Due [Table Text Block]

		June 30, 2020
		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		$	-			$	82			$	438			$	520			$	52,065			$	52,585
Commercial and industrial			411				1,525				387				2,323				181,975				184,298
Multi-family residential			961				595				944				2,500				103,268				105,768
Single family non-owner occupied			976				1,114				2,315				4,405				183,984				188,389
Non-farm, non-residential			1,853				902				4,918				7,673				715,427				723,100
Agricultural			222				13				45				280				10,127				10,407
Farmland			14				99				1,025				1,138				22,524				23,662
Consumer real estate loans
Home equity lines			294				143				597				1,034				98,532				99,566
Single family owner occupied			3,181				982				3,613				7,776				595,670				603,446
Owner occupied construction			-				-				-				-				15,311				15,311
Consumer and other loans
Consumer loans			848				105				240				1,193				113,358				114,551
Other			-				-				-				-				4,477				4,477
Total non-covered loans			8,760				5,560				14,522				28,842				2,096,718				2,125,560
Covered loans
Commercial loans
Construction, development, and other land			-				-				-				-				27				27
Single family non-owner occupied			-				-				-				-				191				191
Non-farm, non-residential			-				-				-				-				1				1
Consumer real estate loans
Home equity lines			62				113				114				289				8,223				8,512
Single family owner occupied			21				-				-				21				2,505				2,526
Total covered loans			83				113				114				310				10,947				11,257
Total loans		$	8,843			$	5,673			$	14,636			$	29,152			$	2,107,665			$	2,136,817

		December 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		$	63			$	65			$	211			$	339			$	48,320			$	48,659
Commercial and industrial			1,913				238				507				2,658				140,304				142,962
Multi-family residential			375				-				1,144				1,519				120,321				121,840
Single family non-owner occupied			754				267				661				1,682				161,499				163,181
Non-farm, non-residential			917				1,949				3,027				5,893				721,368				727,261
Agricultural			86				164				-				250				11,506				11,756
Farmland			856				349				664				1,869				21,286				23,155
Consumer real estate loans
Home equity lines			1,436				165				503				2,104				107,974				110,078
Single family owner occupied			7,728				2,390				3,766				13,884				606,813				620,697
Owner occupied construction			207				-				428				635				16,606				17,241
Consumer and other loans
Consumer loans			1,735				439				202				2,376				107,651				110,027
Other			22				-				-				22				4,720				4,742
Total non-covered loans			16,092				6,026				11,113				33,231				2,068,368				2,101,599
Covered loans
Commercial loans
Construction, development, and other land			-				-				-				-				28				28
Single family non-owner occupied			-				-				-				-				199				199
Non-farm, non-residential			-				-				-				-				3				3
Consumer real estate loans
Home equity lines			144				28				-				172				9,681				9,853
Single family owner occupied			-				50				-				50				2,728				2,778
Total covered loans			144				78				-				222				12,639				12,861
Total loans		$	16,236			$	6,104			$	11,113			$	33,453			$	2,081,007			$	2,114,460

Trouble Debt Restructuring Accrual Status [Table Text Block]

		June 30, 2020												December 31, 2019
(Amounts in thousands)		Nonaccrual(1)				Accruing				Total				Nonaccrual(1)				Accruing				Total
Commercial loans
Construction, development, and other land		$	-			$	-			$	-			$	-			$	-			$	-
Commercial and industrial			-				1,498				1,498				-				-				-
Single family non-owner occupied			543				1,279				1,822				552				595				1,147
Non-farm, non-residential			-				2,425				2,425				-				307				307
Consumer real estate loans
Home equity lines			-				83				83				-				115				115
Single family owner occupied			1,748				5,886				7,634				1,790				5,305				7,095
Owner occupied construction			-				218				218				-				221				221
Consumer and other loans
Consumer loans			-				31				31				-				32				32
Total TDRs		$	2,291			$	11,420			$	13,711			$	2,342			$	6,575			$	8,917
Allowance for loan losses related to TDRs										$	470											$	353

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

		Three Months Ended June 30,								Six Months Ended June 30,
		2020				2019				2020				2019
(Amounts in thousands)
Interest income recognized		$	152			$	84			$	250			$	147

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

		Three Months Ended June 30,
		2020												2019
(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 non-owner occupied			-				-				-				1				80				81
Single family owner occupied															1				185				184
Total below market interest rate and extended payment term			-				-				-				2				265				265
Payment deferral
Commercial and industrial			1				1,106				1,106				-				-				-
Non-farm, non-residential			2				1,538				1,538				-				-				-
Single family owner occupied			1				70				54				-				-				-
Total principal deferral			4				2,714				2,698				-				-				-
Total			4			$	2,714			$	2,698				2			$	265			$	265

		Six Months Ended June 30,
		2020												2019
(Amounts in thousands)		Total Contracts				Pre-modification Recorded Investment				Post-modificatio Recorded Investment(1)				Total Contracts				Pre-modification Recorded Investment				Post-modification Recorded Investment(1)
Below market interest rate Single family non-owner occupied			1				50				50				-			$	-			$	-
Total below market interest rate			1				50				50				-				-				-
Below market interest rate and extended payment term
Single family non-owner occupied			-				-				-				3				454				432
Single family owner occupied															2				489				484
Total below market interest rate and extended payment term			-				-				-				5				943				916
Payment deferral
Construction, development, and other land			1				63				63				-				-				-
Commercial and industrial			2				1,708				1,708				-				-				-
Single family non-owner occupied			1				529				529				-				-				-
Non-farm, non-residential			3				2,115				2,115				-				-				-
Single family owner occupied			3				742				726				1				66				45
Home equity lines			-				-				-				1				4				3
Total principal deferral			10				5,157				5,141				2				70				48
Total			11			$	5,207			$	5,191				7			$	1,013			$	964

Other Real Estate Owned [Table Text Block]

		June 30, 2020				December 31, 2019
(Amounts in thousands)
OREO		$	2,181			$	3,969
Total OREO		$	2,181			$	3,969
OREO secured by residential real estate		$	949			$	2,232
Residential real estate loans in the foreclosure process(1)			2,621				1,539

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