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Note 5 - Credit Quality (Tables)
12 Months Ended
Dec. 31, 2021
Notes Tables  
Financing Receivable Credit Quality Indicators [Table Text Block]
  

December 31, 2021

 
      

Special

                 

(Amounts in thousands)

 

Pass

  

Mention

  

Substandard

  

Doubtful

  

Loss

  

Total

 

Commercial loans

                        

Construction, development, and other land

 $64,498  $451  $857  $  $  $65,806 

Commercial and industrial

  128,770   1,005   3,855         133,630 

Multi-family residential

  98,457   1,090   855         100,402 

Single family non-owner occupied

  186,184   3,607   8,977   10      198,778 

Non-farm, non-residential

  665,559   25,624   16,323         707,506 

Agricultural

  8,758   70   513         9,341 

Farmland

  11,939   633   2,441         15,013 

Consumer real estate loans

                        

Home equity lines

  76,259   426   3,172         79,857 

Single family owner occupied

  671,459   2,420   29,985         703,864 

Owner occupied construction

  16,629      281         16,910 

Consumer and other loans

                        

Consumer loans

  127,514   16   2,264         129,794 

Other

  4,668               4,668 

Total loans

 $2,060,694  $35,342  $69,523  $10  $  $2,165,569 
  

December 31, 2020

 
      

Special

                 

(Amounts in thousands)

 

Pass

  

Mention

  

Substandard

  

Doubtful

  

Loss

  

Total

 

Commercial loans

                        

Construction, development, and other land

 $36,934  $4,975  $2,765  $  $  $44,674 

Commercial and industrial

  160,625   7,065   5,519         173,209 

Multi-family residential

  103,291   8,586   3,284         115,161 

Single family non-owner occupied

  165,146   9,602   12,838   12      187,598 

Non-farm, non-residential

  568,438   125,907   40,448         734,793 

Agricultural

  7,724   1,686   339         9,749 

Farmland

  13,527   2,597   3,637         19,761 

Consumer real estate loans

                       

Home equity lines

  91,712   1,488   3,326         96,526 

Single family owner occupied

  623,860   3,859   33,335         661,054 

Owner occupied construction

  17,232   201   287         17,720 

Consumer and other loans

                       

Consumer loans

  118,134   28   2,211         120,373 

Other

  6,014               6,014 

Total loans

 $1,912,637  $165,994  $107,989  $12  $-  $2,186,632 
                                 

(Amounts in thousands)

 

Term Loans Amortized Cost Basis by Origination Year

         

Balance at December 31, 2021

 

2021

  

2020

  

2019

  

2018

  

2017

  

Prior

  

Revolving

  

Total

 

Construction, development

                                

and other land

                                

Pass

 $40,207  $10,127  $3,081  $3,704  $1,308  $5,717  $354  $64,498 

Special Mention

  -   266   -   128   -   21   36   451 

Substandard

  -   -   128   11   291   427   -   857 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total construction, development, and other land

 $40,207  $10,393  $3,209  $3,843  $1,599  $6,165  $390  $65,806 

Commercial and industrial

                                

Pass

 $34,539  $18,887  $13,679  $13,772  $4,817  $5,890  $16,544  $108,128 

Special Mention

  32   60   597   192   28   -   96   1,005 

Substandard

  184   355   706   384   842   866   518   3,855 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total commercial and industrial

 $34,755  $19,302  $14,982  $14,348  $5,687  $6,756  $17,158  $112,988 

Paycheck Protection Loans

                                

Pass

 $16,482  $4,160  $-  $-  $-  $-  $-  $20,642 

Special Mention

  -   -   -   -   -   -   -   - 

Substandard

  -   -   -   -   -   -   -   - 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total Paycheck Protection Loans

 $16,482  $4,160  $-  $-  $-  $-  $-  $20,642 

Multi-family residential

                                

Pass

 $11,307  $24,299  $4,644  $1,897  $8,413  $46,962  $935  $98,457 

Special Mention

  -   -   -   -   -   1,090   -   1,090 

Substandard

  -   -   -   -   -   855   -   855 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total multi-family residential

 $11,307  $24,299  $4,644  $1,897  $8,413  $48,907  $935  $100,402 

Non-farm, non-residential

                                

Pass

 $147,978  $146,381  $62,651  $50,943  $43,776  $199,812  $14,018  $665,559 

Special Mention

  397   3,334   823   2,595   9,190   9,135   150   25,624 

Substandard

  1,161   711   2,508   2,531   3,232   5,953   227   16,323 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total non-farm, non-residential

 $149,536  $150,426  $65,982  $56,069  $56,198  $214,900  $14,395  $707,506 

Agricultural

                                

Pass

 $4,564  $1,548  $998  $534  $346  $335  $433  $8,758 

Special Mention

  43   27   -   -   -   -   -   70 

Substandard

  44   11   282   39   17   120   -   513 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total agricultural

 $4,651  $1,586  $1,280  $573  $363  $455  $433  $9,341 

Farmland

                                

Pass

 $428  $1,047  $82  $1,125  $887  $6,835  $1,535  $11,939 

Special Mention

  189   -   -   240   5   199   -   633 

Substandard

  -   14   519   249   264   1,395   -   2,441 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total farmland

 $617  $1,061  $601  $1,614  $1,156  $8,429  $1,535  $15,013 
                                 

(Amounts in thousands)

 

Term Loans Amortized Cost Basis by Origination Year

         

Balance at December 31, 2021

 

2021

  

2020

  

2019

  

2018

  

2017

  

Prior

  

Revolving

  

Total

 

Home equity lines

                                

Pass

 $115  $59  $-  $25  $2  $2,168  $73,890  $76,259 

Special Mention

  -   -   -   -   -   -   426   426 

Substandard

  -   -   28   249   128   1,316   1,451   3,172 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total home equity lines

 $115  $59  $28  $274  $130  $3,484  $75,767  $79,857 

Single family Mortgage

                                

Pass

 $239,917  $225,294  $61,925  $46,716  $41,757  $240,845  $1,189  $857,643 

Special Mention

  399   510   937   269   137   3,775   -   6,027 

Substandard

  1,213   799   1,475   1,668   1,878   31,929   -   38,962 

Doubtful

  -   -   -   -   -   10   -   10 

Loss

  -   -   -   -   -   -   -   - 

Total single family owner and non-owner occupied

 $241,529  $226,603  $64,337  $48,653  $43,772  $276,559  $1,189  $902,642 

Owner occupied construction

                                

Pass

 $9,689  $4,729  $178  $22  $428  $1,583  $-  $16,629 

Special Mention

  -   -   -   -   -   -   -   - 

Substandard

  -   -   -   -   -   281   -   281 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total owner occupied construction

 $9,689  $4,729  $178  $22  $428  $1,864  $-  $16,910 

Consumer loans

                                

Pass

 $65,018  $31,065  $16,548  $4,980  $2,306  $10,040  $2,225  $132,182 

Special Mention

  -   -   16   -   -   -   -   16 

Substandard

  328   663   824   107   78   186   78   2,264 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total consumer loans

 $65,346  $31,728  $17,388  $5,087  $2,384  $10,226  $2,303  $134,462 
                                 

(Amounts in thousands)

 

Term Loans Amortized Cost Basis by Origination Year

         

Balance at December 31, 2021

 

2021

  

2020

  

2019

  

2018

  

2017

  

Prior

  

Revolving

  

Total

 

Total Loans

                                

Pass

 $570,244  $467,596  $163,786  $123,718  $104,040  $520,187  $111,123  $2,060,694 

Special Mention

  1,060   4,197   2,373   3,424   9,360   14,220   708   35,342 

Substandard

  2,930   2,553   6,470   5,238   6,730   43,328   2,274   69,523 

Doubtful

  -   -   -   -   -   10   -   10 

Loss

  -   -   -   -   -   -   -   - 

Total loans

 $574,234  $474,346  $172,629  $132,380  $120,130  $577,745  $114,105  $2,165,569 
Impaired Financing Receivables [Table Text Block]
  

December 31, 2020

 
      

Unpaid

     
  

Recorded

  

Principal

  

Related

 

(Amounts in thousands)

 

Investment

  

Balance

  

Allowance

 

Impaired loans with no related allowance

            

Commercial loans

            

Construction, development, and other land

 $616  $891  $ 

Commercial and industrial

  2,341   2,392    

Multi-family residential

  946   1,593    

Single family non-owner occupied

  4,816   5,785    

Non-farm, non-residential

  8,238   9,467    

Agricultural

  218   226    

Farmland

  1,228   1,311    

Consumer real estate loans

            

Home equity lines

  1,604   1,772    

Single family owner occupied

  16,778   19,361    

Owner occupied construction

  216   216    

Consumer and other loans

            

Consumer loans

  818   833    

Total impaired loans with no allowance

  37,819   43,847    
             

Impaired loans with a related allowance

            

Commercial loans

            

Non-farm, non-residential

  1,068   1,121   319 

Consumer real estate loans

            

Single family owner occupied

  338   338   108 

Total impaired loans with an allowance

  1,406   1,459   427 

Total impaired loans(1)

 $39,225  $45,306  $427 
Schedule of Impaired Financing Receivable, Average Recorded Investment and Interest Income Recognized [Table Text Block]
  

Year Ended December 31,

 
  

2020

  

2019

 

(Amounts in thousands)

 

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

 $25  $935  $22  $704 

Commercial and industrial

  155   2,749   34   363 

Multi-family residential

  19   808   24   1,356 

Single family non-owner occupied

  189   4,890   123   2,979 

Non-farm, non-residential

  295   7,450   123   4,683 

Agricultural

  9   241   9   121 

Farmland

  63   1,569   55   1,469 

Consumer real estate loans

                

Home equity lines

  51   1,594   46   1,439 

Single family owner occupied

  578   17,044   599   16,058 

Owner occupied construction

  10   407   29   308 

Consumer and other loans

                

Consumer loans

  42   543   13   213 

Total impaired loans with no related allowance

  1,436   38,230   1,077   29,693 
                 

Impaired loans with a related allowance:

                

Commercial loans

                

Multi-family residential

     707       

Single family non-owner occupied

            

Non-farm, non-residential

  17   1,524   48   766 

Farmland

            

Consumer real estate loans

                

Home equity lines

            

Single family owner occupied

  29   1,196   46   1,947 

Total impaired loans with a related allowance

  46   3,427   94   2,713 

Total impaired loans

 $1,482  $41,657  $1,171  $32,406 
Financing Receivable, Nonaccrual [Table Text Block]
  

December 31, 2021

 

(Amounts in thousands)

 

No Allowance

  

With an Allowance

  

Total

 

Commercial loans

            

Construction, development, and other land

 $409  $  $409 

Commercial and industrial

  1,734      1,734 

Multi-family residential

  208      208 

Single family non-owner occupied

  2,304      2,304 

Non-farm, non-residential

  3,439   1,100   4,539 

Agricultural

  136      136 

Farmland

  222      222 

Consumer real estate loans

           

Home equity lines

  767      767 

Single family owner occupied

  8,957      8,957 

Owner occupied construction

         

Consumer and other loans

           

Consumer loans

  1,492      1,492 

Total nonaccrual loans

 $19,668  $1,100  $20,768 

(Amounts in thousands)

 

December 31, 2020

 

Commercial loans

    

Construction, development, and other land

 $244 

Commercial and industrial

  895 

Multi-family residential

  946 

Single family non-owner occupied

  2,990 

Non-farm, non-residential

  6,343 

Agricultural

  217 

Farmland

  489 

Consumer real estate loans

    

Home equity lines

  1,122 

Single family owner occupied

  7,976 

Owner occupied construction

   

Consumer and other loans

    

Consumer loans

  781 

Total nonaccrual loans

 $22,003 
Financing Receivable, Past Due [Table Text Block]
  

December 31, 2021

 
                          

Amortized Cost of

 
  

30 - 59 Days

  

60 - 89 Days

  

90+ Days

  

Total

  

Current

  

Total

  

>90 Days Accruing

 

(Amounts in thousands)

 

Past Due

  

Past Due

  

Past Due

  

Past Due

  

Loans

  

Loans

  

No Allowance

 

Commercial loans

                            

Construction, development, and other land

 $52  $  $120  $172  $65,634  $65,806  $ 

Commercial and industrial

  325   35   1,394   1,754   131,876   133,630    

Multi-family residential

  97         97   100,305   100,402    

Single family non-owner occupied

  1,210   583   795   2,588   196,190   198,778    

Non-farm, non-residential

  1,002   441   2,333   3,776   703,730   707,506    

Agricultural

  73   7   101   181   9,160   9,341    

Farmland

  52      222   274   14,739   15,013    

Consumer real estate loans

                            

Home equity lines

  275   388   333   996   78,861   79,857    

Single family owner occupied

  4,740   2,584   3,880   11,204   692,660   703,864    

Owner occupied construction

  139         139   16,771   16,910    

Consumer and other loans

                            

Consumer loans

  3,469   1,182   1,049   5,700   124,094   129,794    

Other

              4,668   4,668    

Total loans

 $11,434  $5,220  $10,227  $26,881  $2,138,688  $2,165,569  $ 
  

December 31, 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

 

Commercial loans

                        

Construction, development, and other land

 $1,039  $  $235  $1,274  $43,400  $44,674 

Commercial and industrial

  669   230   700   1,599   171,425   173,024 

Multi-family residential

  103      946   1,049   114,112   115,161 

Single family non-owner occupied

  925   488   2,144   3,557   184,226   187,783 

Non-farm, non-residential

  601   296   3,368   4,265   730,528   734,793 

Agricultural

  70   189   88   347   9,402   9,749 

Farmland

  43      457   500   19,261   19,761 

Consumer real estate loans

                        

Home equity lines

  649   380   425   1,454   95,072   96,526 

Single family owner occupied

  5,317   2,265   3,891   11,473   649,581   661,054 

Owner occupied construction

  82         82   17,638   17,720 

Consumer and other loans

                        

Consumer loans

  2,637   746   651   4,034   116,339   120,373 

Other

              6,014   6,014 

Total loans

 $12,135  $4,594  $12,905  $29,634  $2,156,998  $2,186,632 
Collateral Dependent Loans [Table Text Block]
  

December 31, 2021

 

(Amounts in thousands)

  Balance   Collateral Coverage   Coverage Ratio 

Commercial Real Estate

            

Hotel

 $-  $-   - 

Office

  -   -   - 

Other

  2,216   2,312   104.33%

Retail

  -   -   - 

Multi-Family

            

Industrial

  -   -   - 

Office

  -   -   - 

Other

  -   -   - 

Commercial and industrial

            

Industrial

  -   -   - 

Other

  -   -   - 

Home equity loans

  -   -   - 

Consumer owner occupied

  -   -   - 

Consumer

  -   -   - 

Total collateral dependent loans

 $2,216  $2,312   104.33%
Trouble Debt Restructuring Accrual Status [Table Text Block]
  

December 31,

 
  

2021

  

2020

 

(Amounts in thousands)

 

Nonaccrual(1)

  

Accruing

  

Total

  

Nonaccrual(1)

  

Accruing

  

Total

 

Commercial loans

                        

Commercial and industrial

 $396  $470  $866  $  $1,326  $1,326 

Single family non-owner occupied

  857   1,100   1,957   1,585   1,265   2,850 

Non-farm, non-residential

     2,021   2,021      2,407   2,407 

Consumer real estate loans

                        

Home equity lines

     67   67      77   77 

Single family owner occupied

  1,266   4,755   6,021   229   4,927   5,156 

Owner occupied construction

     212   212      216   216 

Consumer and other loans

                       

Consumer loans

     27   27      30   30 

Total TDRs

 $2,519  $8,652  $11,171  $1,814  $10,248  $12,062 
                         

Allowance for credit/loan losses related to TDRs

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

Year Ended December 31,

 
  

2021

  

2020

  

2019

 

(Amounts in thousands)

            

Interest income recognized

 $422  $473  $277 
Financing Receivable, Troubled Debt Restructuring [Table Text Block]
  

Year Ended December 31,

 
  

2021

  

2020

 

(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  $50  $50 

Below market interest rate and extended payment term

                        

Single family non-owner occupied

  1   165   165          

Single family owner occupied

  4   402   402          

Total below market interest rate and extended payment term

  5   567   567          

Principal deferral

                        

Construction, development, and other land development

           3   1,708   1,708 

Non-farm, non-residential

           3   2,115   2,115 

Home equity

                  

Single family non-owner occupied

  1   753   753          

Single family owner occupied

  1   41   41   5   4,908   4,877 

Total principal deferral

  2   794   794   11   4,908   4,877 

Total

  7  $1,361  $1,361   12  $4,958  $4,927 
  

Year Ended December 31,

 
  

2021

  

2020

 
  

Total

  

Recorded

  

Total

  

Recorded

 
  

Contracts

  

Investment

  

Contracts

  

Investment

 

(Amounts in thousands)

                

Single family owner occupied

    $   1  $53 

Total

    $   1  $53 
Other Real Estate Owned [Table Text Block]
  

December 31, 2021

  

December 31, 2020

 

(Amounts in thousands)

        

Total OREO

 $1,015  $2,083 
         

OREO secured by residential real estate

 $337  $769 

Residential real estate loans in the foreclosure process(1)

 $2,210  $4,141