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Note 5 - Credit Quality (Tables)

9 Months Ended

Sep. 30, 2020

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

		September 30, 2020
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	35,889			$	8,419			$	2,477			$	-			$	-			$	46,785
Commercial and industrial			153,153				19,369				7,192				-				-				179,714
Multi-family residential			81,528				20,937				3,182				-				-				105,647
Single family non-owner occupied			143,235				32,649				13,368				13				-				189,265
Non-farm, non-residential			507,094				201,975				39,746				-				-				748,815
Agricultural			6,804				3,216				342				-				-				10,362
Farmland			13,281				5,139				4,553				-				-				22,973
Consumer real estate loans																							-
Home equity lines			89,729				1,317				3,010				-				-				94,056
Single family owner occupied			607,616				3,815				33,167				-				-				644,598
Owner occupied construction			16,684				202				574				-				-				17,460
Consumer and other loans																							-
Consumer loans			116,786				197				1,755				-				-				118,738
Other			5,838				-				-				-				-				5,838
Total non-covered loans			1,777,637				297,235				109,366				13				-				2,184,251
Covered loans
Commercial loans
Construction, development, and other land			-				27				-				-				-				27
Single family non-owner occupied			155				33				-				-				-				188
Consumer real estate loans																							-
Home equity lines			7,365				386				328				-				-				8,079
Single family owner occupied			1,832				269				349				-				-				2,450
Total covered loans			9,352				715				677				-				-				10,744
Total loans		$	1,786,989			$	297,950			$	110,043			$	13			$	-			$	2,194,995

		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]

		September 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		$	869			$	1,097			$	-			$	552			$	768			$	-
Commercial and industrial			3,242				3,302				-				576				599				-
Multi-family residential			923				1,009				-				1,254				1,661				-
Single family non-owner occupied			5,011				5,663				-				2,652				3,176				-
Non-farm, non-residential			7,712				8,362				-				4,158				4,762				-
Agricultural			267				275				-				158				164				-
Farmland			1,517				1,591				-				1,437				1,500				-
Consumer real estate loans
Home equity lines			1,540				1,697				-				1,372				1,477				-
Single family owner occupied			16,100				18,467				-				15,588				17,835				-
Owner occupied construction			503				511				-				648				648				-
Consumer and other loans
Consumer loans			413				424				-				290				294				-
Total impaired loans with no allowance			38,097				42,398				-				28,685				32,884				-
Impaired loans with a related allowance
Commercial loans
Commercial and industrial			-				-				-				-				-				-
Multi-family residential			944				1,278				222				-				-				-
Single family non-owner occupied			-				-				-				-				-				-
Non-farm, non-residential			1,779				1,970				565				1,241				1,227				292
Farmland			-				-				-				-				-				-
Consumer real estate loans
Home equity lines			-				-				-				-				-				-
Single family owner occupied			1,418				1,522				239				1,246				1,246				353
Consumer and other loans
Consumer loans			-				-				-				-				-				-
Total impaired loans with an allowance			4,141				4,770				1,026				2,487				2,473				645
Total impaired loans(1)		$	42,238			$	47,168			$	1,026			$	31,172			$	35,357			$	645

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,
		2020								2019								2020								2019
						Average								Average								Average								Average
		Interest Income				Recorded				Interest Income				Recorded				Interest Income				Recorded				Interest Income				Recorded
(Amounts in thousands)		Recognized				Investment				Recognized				Investment				Recognized				Investment				Recognized				Investment
Impaired loans with no related allowance:
Commercial loans
Construction, development, and other land		$	6			$	882			$	5			$	570			$	21			$	1,021			$	17			$	720
Commercial and industrial			46				3,315				2				66				135				2,845				7				277
Multi-family residential			9				967				5				1,269				38				685				21				1,385
Single family non-owner occupied			54				5,090				41				2,958				126				4,798				97				3,063
Non-farm, non-residential			79				7,786				20				4,590				206				7,115				84				4,832
Agricultural			4				272				9				223				7				247				11				108
Farmland			12				1,526				19				1,536				48				1,640				45				1,474
Consumer real estate loans
Home equity lines			13				1,588				17				1,463				29				1,569				31				1,452
Single family owner occupied			120				16,328				176				16,593				410				17,044				454				16,123
Owner occupied construction			2				542				3				224				12				470				7				223
Consumer and other loans
Consumer loans			8				420				6				319				19				445				10				187
Total impaired loans with no related allowance			353				38,716				303				29,811				1,051				37,879				784				29,844
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			8				1,789				20				1,254				22				1,670				28				602
Farmland			-				-				-				-				-				-				-				-
Consumer real estate loans
Home equity lines			-				-				-				-				-				-				-				-
Single family owner occupied			3				1,423				(30	)			1,253				27				1,480				35				2,177
Owner occupied construction			-				-				-				-				-				-				-				-
Total impaired loans with a related allowance			11				4,156				(10	)			2,507				49				4,093				63				2,779
Total impaired loans		$	364			$	42,872			$	293			$	32,318			$	1,100			$	41,972			$	847			$	32,623

Financing Receivable, Nonaccrual [Table Text Block]

		September 30, 2020												December 31, 2019
(Amounts in thousands)		Non-covered				Covered				Total				Non-covered				Covered				Total
Commercial loans
Construction, development, and other land		$	285			$	-			$	285			$	211			$	-			$	211
Commercial and industrial			1,765				-				1,765				530				-				530
Multi-family residential			1,536				-				1,536				1,144				-				1,144
Single family non-owner occupied			3,289				-				3,289				1,286				-				1,286
Non-farm, non-residential			6,612				-				6,612				3,400				-				3,400
Agricultural			267				-				267				158				-				158
Farmland			814				-				814				713				-				713
Consumer real estate loans
Home equity lines			951				313				1,264				753				220				973
Single family owner occupied			8,012				20				8,032				7,259				24				7,283
Owner occupied construction			536				-				536				428				-				428
Consumer and other loans
Consumer loans			357				-				357				231				-				231
Total nonaccrual loans		$	24,424			$	333			$	24,757			$	16,113			$	244			$	16,357

Financing Receivable, Past Due [Table Text Block]

		September 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			$ -				$ -				$ 285				$ 285				$ 46,500				$ 46,785
Commercial and industrial			1,280				163				1,061				2,504				177,210				179,714
Multi-family residential			810				334				1,202				2,346				103,301				105,647
Single family non-owner occupied			842				636				2,255				3,733				185,532				189,265
Non-farm, non-residential			608				1,856				3,619				6,083				742,732				748,815
Agricultural			1				16				84				101				10,261				10,362
Farmland			125				-				737				862				22,111				22,973
Consumer real estate loans
Home equity lines			509				248				443				1,200				92,856				94,056
Single family owner occupied			2,894				1,286				3,533				7,713				636,885				644,598
Owner occupied construction			71				91				394				556				16,904				17,460
Consumer and other loans
Consumer loans			1,679				436				187				2,302				116,436				118,738
Other			-				-				-				-				5,838				5,838
Total non-covered loans			8,819				5,066				13,800				27,685				2,156,566				2,184,251
Covered loans
Commercial loans
Construction, development, and other land			-				-				-				-				27				27
Single family non-owner occupied			-				-				-				-				188				188
Non-farm, non-residential			-				-				-				-				-				-
Consumer real estate loans
Home equity lines			123				-				263				386				7,693				8,079
Single family owner occupied			20				-				-				20				2,430				2,450
Total covered loans			143				-				263				406				10,338				10,744
Total loans			$ 8,962				$ 5,066				$ 14,063				$ 28,091				$ 2,166,904				$ 2,194,995

		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]

		September 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			-				1,342				1,342				-				-				-
Single family non-owner occupied			538				1,274				1,812				552				595				1,147
Non-farm, non-residential			-				2,419				2,419				-				307				307
Consumer real estate loans
Home equity lines			-				81				81				-				115				115
Single family owner occupied			1,535				5,573				7,108				1,790				5,305				7,095
Owner occupied construction			-				217				217				-				221				221
Consumer and other loans
Consumer loans			-				30				30				-				32				32
Total TDRs		$	2,073			$	10,936			$	13,009			$	2,342			$	6,575			$	8,917
Allowance for loan losses related to TDRs										$	347											$	353

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

		Three Months Ended September 30,								Nine Months Ended September 30,
		2020				2019				2020				2019
(Amounts in thousands)
Interest income recognized		$	122			$	56			$	372			$	203

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

		Three Months Ended September 30,
		2020												2019
										Post-modification												Post-modification
		Total				Pre-modification				Recorded				Total				Pre-modification				Recorded
(Amounts in thousands)		Contracts				Recorded Investment				Investment(1)				Contracts				Recorded Investment				Investment(1)
Below market interest rate and extended payment term
Single family non-owner occupied			-				-				-				-				-				-
Single family owner occupied															-				-				-
Total below market interest rate and extended payment term			-				-				-				-				-				-
Payment deferral
Commercial and industrial			-				-				-				-				-				-
Non-farm, non-residential			-				-				-				-				-				-
Single family owner occupied			-				-				-				1				33				29
Total principal deferral			-				-				-				1				33				29
Total			-			$	-			$	-				1			$	33			$	29

		Nine Months Ended September 30,
		2020												2019
										Post-modification												Post-modification
		Total				Pre-modification				Recorded				Total				Pre-modification				Recorded
(Amounts in thousands)		Contracts				Recorded Investment				Investment(1)				Contracts				Recorded Investment				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			-				-				-				2				221				218
Single family owner occupied			-				-				-				2				488				480
Total below market interest rate and extended payment term			-				-				-				4				709				698
Payment deferral
Construction, development, and other land			1				63				63				-				-				-
Commercial and industrial			3				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				33				29
Home equity lines			-				-				-				-				-				-
Total principal deferral			11				5,157				5,141				1				33				29
Total			12			$	5,207			$	5,191				5			$	742			$	727

Other Real Estate Owned [Table Text Block]

		September 30, 2020				December 31, 2019
(Amounts in thousands)
OREO		$	2,103			$	3,969
OREO secured by residential real estate		$	767			$	2,232
Residential real estate loans in the foreclosure process(1)			2,938				1,539

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Tabular disclosure of financing receivable on nonaccrual status.

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Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
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Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 16
-URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919258-210447

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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=121611835&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=121611835&loc=SL6953682-111524

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