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Note 5 - Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2021
Notes Tables |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | Three Months Ended June 30, 2021 |
|  |  |  |  |  | Consumer Real |  |  | Consumer and |  |  | Total |
(Amounts in thousands) |  | Commercial |  |  | Estate |  |  | Other |  |  | Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 19,586 |  |  | $ | 11,887 |  |  | $ | 3,090 |  |  | $ | 34,563 |
Provision for (recovery of) loan losses charged to operations |  |  | (1,712 | ) |  |  | (986 | ) |  |  | 468 |  |  |  | (2,230 | )
Charge-offs |  |  | (1,202 | ) |  |  | (48 | ) |  |  | (652 | ) |  |  | (1,902 | )
Recoveries |  |  | 1,032 |  |  |  | 202 |  |  |  | 192 |  |  |  | 1,426 |
Net charge-offs |  |  | (170 | ) |  |  | 154 |  |  |  | (460 | ) |  |  | (476 | )
Ending balance |  | $ | 17,704 |  |  | $ | 11,055 |  |  | $ | 3,098 |  |  | $ | 31,857 |
|  | Three Months Ended June 30, 2020 |
|  |  |  |  |  | Consumer Real |  |  | Consumer and |  |  | Total |
(Amounts in thousands) |  | Commercial |  |  | Estate |  |  | Other |  |  | Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 12,075 |  |  | $ | 7,519 |  |  | $ | 1,543 |  |  | $ | 21,137 |
Provision for loan losses charged to operations |  |  | 2,618 |  |  |  | (221 | ) |  |  | 1,434 |  |  |  | 3,831 |
Charge-offs |  |  | (878 | ) |  |  | (179 | ) |  |  | (615 | ) |  |  | (1,672 | )
Recoveries |  |  | 94 |  |  |  | 175 |  |  |  | 193 |  |  |  | 462 |
Net charge-offs |  |  | (784 | ) |  |  | (4 | ) |  |  | (422 | ) |  |  | (1,210 | )
Ending balance |  | $ | 13,909 |  |  | $ | 7,294 |  |  | $ | 2,555 |  |  | $ | 23,758 |
|  | Six Months Ended June 30, 2021 |
|  |  |  |  |  | Consumer Real |  |  | Consumer and |  |  | Total |
(Amounts in thousands) |  | Commercial |  |  | Estate |  |  | Other |  |  | Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 14,661 |  |  | $ | 8,951 |  |  | $ | 2,570 |  |  | $ | 26,182 |
Cumulative effect of adoption of ASU 2016-13 |  |  | 8,360 |  |  |  | 4,145 |  |  |  | 602 |  |  |  | 13,107 |
Provision for (recovery of) loan losses charged to operations |  |  | (4,782 | ) |  |  | (2,528 | ) |  |  | 1,079 |  |  |  | (6,231 | )
Charge-offs |  |  | (1,959 | ) |  |  | (58 | ) |  |  | (1,615 | ) |  |  | (3,632 | )
Recoveries |  |  | 1,424 |  |  |  | 545 |  |  |  | 462 |  |  |  | 2,431 |
Net charge-offs |  |  | (535 | ) |  |  | 487 |  |  |  | (1,153 | ) |  |  | (1,201 | )
Ending balance |  | $ | 17,704 |  |  | $ | 11,055 |  |  | $ | 3,098 |  |  | $ | 31,857 |
|  | Six Months Ended June 30, 2020 |
|  |  |  |  |  | Consumer Real |  |  | Consumer and |  |  | Total |
(Amounts in thousands) |  | Commercial |  |  | Estate |  |  | Other |  |  | Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 10,235 |  |  | $ | 6,325 |  |  | $ | 1,865 |  |  | $ | 18,425 |
Provision for loan losses charged to operations |  |  | 4,605 |  |  |  | 924 |  |  |  | 1,802 |  |  |  | 7,331 |
Charge-offs |  |  | (1,146 | ) |  |  | (242 | ) |  |  | (1,478 | ) |  |  | (2,866 | )
Recoveries |  |  | 215 |  |  |  | 287 |  |  |  | 366 |  |  |  | 868 |
Net (charge-offs) recoveries |  |  | (931 | ) |  |  | 45 |  |  |  | (1,112 | ) |  |  | (1,998 | )
Ending balance |  | $ | 13,909 |  |  | $ | 7,294 |  |  | $ | 2,555 |  |  | $ | 23,758 |
Allowance for Credit Losses and Recorded Investment in Loans by Segment and Class [Table Text Block] |
|  | December 31, 2020 |
|  | Loans Individually |  |  | Allowance for Loans |  |  | Loans Collectively |  |  | Allowance for Loans |
|  | Evaluated for |  |  | Individually |  |  | Evaluated for |  |  | Collectively |
(Amounts in thousands) |  | Impairment |  |  | Evaluated |  |  | Impairment |  |  | Evaluated |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | - |  |  | $ | - |  |  | $ | 43,716 |  |  | $ | 528 |
Commercial and industrial |  |  | 724 |  |  |  | - |  |  |  | 171,486 |  |  |  | 1,024 |
Multi-family residential |  |  | 695 |  |  |  | - |  |  |  | 112,852 |  |  |  | 1,417 |
Single family non-owner occupied |  |  | 1,041 |  |  |  | - |  |  |  | 183,283 |  |  |  | 1,861 |
Non-farm, non-residential |  |  | 3,916 |  |  |  | 319 |  |  |  | 714,160 |  |  |  | 9,097 |
Agricultural |  |  | - |  |  |  | - |  |  |  | 9,728 |  |  |  | 218 |
Farmland |  |  | - |  |  |  | - |  |  |  | 17,540 |  |  |  | 196 |
Total commercial loans |  |  | 6,376 |  |  |  | 319 |  |  |  | 1,252,765 |  |  |  | 14,341 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | - |  |  |  | - |  |  |  | 95,765 |  |  |  | 799 |
Single family owner occupied |  |  | 1,673 |  |  |  | 108 |  |  |  | 647,040 |  |  |  | 7,849 |
Owner occupied construction |  |  | - |  |  |  | - |  |  |  | 17,567 |  |  |  | 195 |
Total consumer real estate loans |  |  | 1,673 |  |  |  | 108 |  |  |  | 760,372 |  |  |  | 8,843 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | - |  |  |  | - |  |  |  | 119,770 |  |  |  | 2,570 |
Other |  |  | - |  |  |  | - |  |  |  | 6,014 |  |  |  | - |
Total consumer and other loans |  |  | - |  |  |  | - |  |  |  | 125,784 |  |  |  | 2,570 |
Total loans, excluding PCI loans |  | $ | 8,049 |  |  | $ | 427 |  |  | $ | 2,138,921 |  |  | $ | 25,754 |
Schedule of Information Related to Purchased Credit Impaired Loans [Table Text Block] |
|  | December 31, 2020 |
|  |  |  |  |  | Allowance for Loan |
|  | Recorded |  |  | Pools With |
(Amounts in thousands) |  | Investment |  |  | Impairment |
Commercial loans |  |  |  |  |  |  |  |
Highlands: |  |  |  |  |  |  |  |
Construction & land development |  | $ | 958 |  |  | $ | - |
Farmland and other agricultural |  |  | 2,242 |  |  |  | - |
Multifamily |  |  | 1,614 |  |  |  | - |
Commercial real estate |  |  | 20,176 |  |  |  | - |
Commercial and industrial |  |  | 814 |  |  |  | - |
Total commercial loans |  |  | 25,804 |  |  |  | - |
Consumer real estate loans |  |  |  |  |  |  |  |
Highlands: |  |  |  |  |  |  |  |
1-4 family, junior and HELOCS |  |  | 761 |  |  |  | - |
1-4 family, senior-consumer |  |  | 12,494 |  |  |  | - |
Consumer |  |  | 603 |  |  |  | - |
Total consumer real estate loans |  |  | 13,858 |  |  |  | - |
Total PCI loans |  | $ | 39,662 |  |  | $ | - |

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