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Note 5 - Credit Quality (Tables)
3 Months Ended
Mar. 31, 2023
Notes Tables  
Financing Receivable Credit Quality Indicators [Table Text Block]
  

March 31, 2023

 
      

Special

                 

(Amounts in thousands)

 

Pass

  

Mention

  

Substandard

  

Doubtful

  

Loss

  

Total

 

Commercial loans

                        

Construction, development, and other land

 $114,002  $323  $698  $-  $-  $115,023 

Commercial and industrial

  146,749   2,795   1,749   -   -   151,293 

Multi-family residential

  144,909   3,629   208   -   -   148,746 

Single family non-owner occupied

  197,731   2,006   7,895   -   -   207,632 

Non-farm, non-residential

  770,509   10,865   11,855   -   -   793,229 

Agricultural

  11,896   44   102   -   -   12,042 

Farmland

  10,257   560   1,320   -   -   12,137 

Consumer real estate loans

                        

Home equity lines

  71,030   198   2,534   -   -   73,762 

Single family owner occupied

  700,431   1,875   24,896   -   -   727,202 

Owner occupied construction

  10,116   -   160   -   -   10,276 

Consumer and other loans

                        

Consumer loans

  133,417   10   2,883   -   -   136,310 

Other

  1,245   -   -   -   -   1,245 

Total loans

 $2,312,292  $22,305  $54,300  $-  $-  $2,388,897 
  

December 31, 2022

 
      

Special

                 

(Amounts in thousands)

 

Pass

  

Mention

  

Substandard

  

Doubtful

  

Loss

  

Total

 
                         

Commercial loans

                        

Construction, development, and other land

 $115,972  $853  $349  $-  $-  $117,174 

Commercial and industrial

  147,543   920   1,965   -   -   150,428 

Multi-family residential

  143,859   3,946   221   -   -   148,026 

Single family non-owner occupied

  195,775   2,303   8,043   -   -   206,121 

Non-farm, non-residential

  761,154   14,903   11,646   -   -   787,703 

Agricultural

  11,722   47   263   -   -   12,032 

Farmland

  9,868   573   1,338   -   -   11,779 

Consumer real estate loans

                        

Home equity lines

  72,927   288   2,427   -   -   75,642 

Single family owner occupied

  706,952   1,958   25,630   -   -   734,540 

Owner occupied construction

  10,204   -   162   -   -   10,366 

Consumer and other loans

                        

Consumer loans

  141,551   11   3,020   -   -   144,582 

Other

  1,804   -   -   -   -   1,804 

Total loans

 $2,319,331  $25,802  $55,064  $-  $-  $2,400,197 

(Amounts in thousands)

 

Term Loans Amortized Cost Basis by Origination Year

         

Balance at March 31, 2023

 

2023

  

2022

  

2021

  

2020

  

2019

  

Prior

  

Revolving

  

Total

 

Construction, development and other land

                                

Pass

 $1,395  $62,109  $36,248  $4,350  $2,742  $5,780  $1,378  $114,002 

Special Mention

  -   -   -   238   -   85   -   323 

Substandard

  -   -   225   -   205   268   -   698 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total construction, development, and other land

 $1,395  $62,109  $36,473  $4,588  $2,947  $6,133  $1,378  $115,023 

Current period gross write-offs

 $-  $-  $-  $-  $13  $-  $-  $13 

Commercial and industrial

                                

Pass

 $8,914  $64,754  $21,001  $11,423  $6,813  $14,684  $19,160  $146,749 

Special Mention

  -   1,144   17   15   321   601   697   2,795 

Substandard

  -   211   163   97   604   674   -   1,749 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total commercial and industrial

 $8,914  $66,109  $21,181  $11,535  $7,738  $15,959  $19,857  $151,293 

Current period gross write-offs

 $-  $-  $59  $-  $32  $-  $-  $91 

Multi-family residential

                                

Pass

 $463  $44,906  $20,587  $30,849  $3,699  $41,118  $3,287  $144,909 

Special Mention

  -   -   -   -   -   3,629   -   3,629 

Substandard

  -   -   -   -   -   208   -   208 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total multi-family residential

 $463  $44,906  $20,587  $30,849  $3,699  $44,955  $3,287  $148,746 

Current period gross write-offs

 $-  $-  $-  $-  $-  $-  $-  $- 

Non-farm, non-residential

                                

Pass

 $15,917  $221,536  $147,370  $112,918  $50,646  $210,888  $11,234  $770,509 

Special Mention

  -   -   1,905   845   -   8,103   12   10,865 

Substandard

  -   88   1,110   536   3,609   6,317   195   11,855 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total non-farm, non-residential

 $15,917  $221,624  $150,385  $114,299  $54,255  $225,308  $11,441  $793,229 

Current period gross write-offs

 $-  $8  $-  $-  $-  $2  $-  $10 

Agricultural

                                

Pass

 $1,650  $5,514  $2,911  $885  $295  $183  $458  $11,896 

Special Mention

  -   -   31   12   -   1   -   44 

Substandard

  -   -   35   -   46   21   -   102 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total agricultural

 $1,650  $5,514  $2,977  $897  $341  $205  $458  $12,042 

Current period gross write-offs

 $-  $59  $-  $-  $-  $-  $-  $59 

Farmland

                                

Pass

 $823  $640  $597  $777  $71  $6,662  $687  $10,257 

Special Mention

  -   -   108   12   -   440   -   560 

Substandard

  -   -   -   12   -   1,308   -   1,320 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total farmland

 $823  $640  $705  $801  $71  $8,410  $687  $12,137 

Current period gross write-offs

 $-  $-  $-  $-  $-  $-  $-  $- 

(Amounts in thousands)

 

Term Loans Amortized Cost Basis by Origination Year

         

Balance at March 31, 2023

 

2023

  

2022

  

2021

  

2020

  

2019

  

Prior

  

Revolving

  

Total

 

Home equity lines

                                

Pass

 $85  $976  $97  $143  $-  $4,288  $65,441  $71,030 

Special Mention

  -   -   -   -   -   43   155   198 

Substandard

  -   13   -   27   35   1,134   1,325   2,534 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total home equity lines

 $85  $989  $97  $170  $35  $5,465  $66,921  $73,762 

Current period gross write-offs

 $-  $-  $-  $-  $-  $9  $-  $9 

Single family Mortgage

                                

Pass

 $16,097  $157,381  $233,020  $203,425  $48,065  $239,664  $510  $898,162 

Special Mention

  -   -   349   90   124   3,318   -   3,881 

Substandard

  -   455   1,314   866   1,226   28,930   -   32,791 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total single family owner and non-owner occupied

 $16,097  $157,836  $234,683  $204,381  $49,415  $271,912  $510  $934,834 

Current period gross write-offs

 $-  $-  $31  $-  $-  $58  $-  $89 

Owner occupied construction

                                

Pass

 $159  $6,979  $2,535  $-  $14  $429  $-  $10,116 

Special Mention

  -   -   -   -   -   -   -   - 

Substandard

  -   -   -   159   -   1   -   160 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total owner occupied construction

 $159  $6,979  $2,535  $159  $14  $430  $-  $10,276 

Current period gross write-offs

 $-  $-  $-  $-  $-  $-  $-  $- 

Consumer loans

                                

Pass

 $10,475  $62,509  $32,019  $13,115  $6,243  $2,555  $7,746  $134,662 

Special Mention

  -   -   4   -   5   -   1   10 

Substandard

  28   892   933   459   298   213   60   2,883 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total consumer loans

 $10,503  $63,401  $32,956  $13,574  $6,546  $2,768  $7,807  $137,555 

Current period gross write-offs

 $200  $1,031  $802  $136  $78  $14  $38  $2,299 
                                 

(Amounts in thousands)

 

Term Loans Amortized Cost Basis by Origination Year

         

Balance at March 31, 2023

 

2023

  

2022

  

2021

  

2020

  

2019

  

Prior

  

Revolving

  

Total

 

Total Loans

                                

Pass

 $55,978  $627,304  $496,385  $377,885  $118,588  $526,251  $109,901  $2,312,292 

Special Mention

  -   1,144   2,414   1,212   450   16,220   865   22,305 

Substandard

  28   1,659   3,780   2,156   6,023   39,074   1,580   54,300 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total loans

 $56,006  $630,107  $502,579  $381,253  $125,061  $581,545  $112,346  $2,388,897 

Current period gross write-offs

 $200  $1,098  $892  $136  $123  $83  $38  $2,570 

(Amounts in thousands)

 

Term Loans Amortized Cost Basis by Origination Year

         

Balance at December 31, 2022

 

2022

  

2021

  

2020

  

2019

  

2018

  

Prior

  

Revolving

  

Total

 

Construction, development

                                

and other land

                                

Pass

 $58,770  $39,995  $4,602  $3,050  $2,485  $5,608  $1,462  $115,972 

Special Mention

  -   225   -   -   94   534   -   853 

Substandard

  -   -   267   71   11   -   -   349 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total construction, development, and other land

 $58,770  $40,220  $4,869  $3,121  $2,590  $6,142  $1,462  $117,174 

Commercial and industrial

                                

Pass

 $69,678  $23,746  $12,047  $7,729  $9,121  $8,890  $16,332  $147,543 

Special Mention

  227   20   21   367   185   1   99   920 

Substandard

  130   112   114   620   192   797   -   1,965 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total commercial and industrial

 $70,035  $23,878  $12,182  $8,716  $9,498  $9,688  $16,431  $150,428 

Multi-family residential

                                

Pass

 $45,261  $20,881  $31,087  $3,733  $1,328  $41,063  $506  $143,859 

Special Mention

  -   -   -   -   -   3,946   -   3,946 

Substandard

  -   -   -   -   -   221   -   221 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total multi-family residential

 $45,261  $20,881  $31,087  $3,733  $1,328  $45,230  $506  $148,026 

Non-farm, non-residential

                                

Pass

 $218,595  $145,675  $114,840  $52,575  $35,564  $185,448  $8,457  $761,154 

Special Mention

  -   1,927   852   1,193   2,708   8,076   147   14,903 

Substandard

  -   1,267   675   2,509   1,531   5,664   -   11,646 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total non-farm, non-residential

 $218,595  $148,869  $116,367  $56,277  $39,803  $199,188  $8,604  $787,703 

Agricultural

                                

Pass

 $6,244  $3,225  $1,003  $376  $154  $214  $506  $11,722 

Special Mention

  -   33   14   -   -   -   -   47 

Substandard

  124   37   1   66   24   11   -   263 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total agricultural

 $6,368  $3,295  $1,018  $442  $178  $225  $506  $12,032 

Farmland

                                

Pass

 $646  $713  $796  $77  $869  $6,150  $617  $9,868 

Special Mention

  -   109   -   -   222   242   -   573 

Substandard

  -   -   12   -   253   1,073   -   1,338 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total farmland

 $646  $822  $808  $77  $1,344  $7,465  $617  $11,779 

(Amounts in thousands)

 

Term Loans Amortized Cost Basis by Origination Year

         

Balance at December 31, 2022

 

2022

  

2021

  

2020

  

2019

  

2018

  

Prior

  

Revolving

  

Total

 

Home equity lines

                                

Pass

 $1,960  $198  $241  $-  $24  $7,429  $63,075  $72,927 

Special Mention

  -   -   -   -   -   117   171   288 

Substandard

  -   -   27   35   114   1,253   998   2,427 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total home equity lines

 $1,960  $198  $268  $35  $138  $8,799  $64,244  $75,642 

Single family Mortgage

                                

Pass

 $157,890  $237,363  $207,480  $48,795  $36,678  $214,148  $373  $902,727 

Special Mention

  -   376   90   363   262   3,170   -   4,261 

Substandard

  461   1,196   740   1,217   1,991   28,068   -   33,673 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total single family owner and non-owner occupied

 $158,351  $238,935  $208,310  $50,375  $38,931  $245,386  $373  $940,661 

Owner occupied construction

                                

Pass

 $6,357  $3,344  $-  $23  $11  $469  $-  $10,204 

Special Mention

  -   -   -   -   -   -   -   - 

Substandard

  -   -   162   -   -   -   -   162 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total owner occupied construction

 $6,357  $3,344  $162  $23  $11  $469  $-  $10,366 

Consumer loans

                                

Pass

 $69,579  $37,603  $16,033  $7,640  $2,528  $2,040  $7,932  $143,355 

Special Mention

  -   5   -   6   -   -   -   11 

Substandard

  881   1,002   466   416   36   159   60   3,020 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total consumer loans

 $70,460  $38,610  $16,499  $8,062  $2,564  $2,199  $7,992  $146,386 

(Amounts in thousands)

 

Term Loans Amortized Cost Basis by Origination Year

         

Balance at December 31, 2022

 

2022

  

2021

  

2020

  

2019

  

2018

  

Prior

  

Revolving

  

Total

 

Total Loans

                                

Pass

 $634,980  $512,743  $388,129  $123,998  $88,762  $471,459  $99,260  $2,319,331 

Special Mention

  227   2,695   977   1,929   3,471   16,086   417   25,802 

Substandard

  1,596   3,614   2,464   4,934   4,152   37,246   1,058   55,064 

Doubtful

  -   -   -   -   -   -   -   - 

Loss

  -   -   -   -   -   -   -   - 

Total loans

 $636,803  $519,052  $391,570  $130,861  $96,385  $524,791  $100,735  $2,400,197 
Financing Receivable, Nonaccrual [Table Text Block]
  

March 31, 2023

  

December 31, 2022

 

(Amounts in thousands)

 

No Allowance

  

With an Allowance

  

Total

  

No Allowance

  

With an Allowance

  

Total

 

Commercial loans

                        

Construction, development, and other land

 $425  $-  $425  $31  $-  $31 

Commercial and industrial

  502   -   502   438   -   438 

Multi-family residential

  208   -   208   220   -   220 

Single family non-owner occupied

  942   -   942   984   -   984 

Non-farm, non-residential

  1,524   -   1,524   1,771   -   1,771 

Agricultural

  7   -   7   9   -   9 

Farmland

  133   -   133   133   -   133 

Consumer real estate loans

                        

Home equity lines

  612   -   612   400   -   400 

Single family owner occupied

  8,303   586   8,889   8,228   589   8,817 

Owner occupied construction

  -   -   -   -   -   - 

Consumer and other loans

                        

Consumer loans

  2,315   -   2,315   2,405   -   2,405 

Total nonaccrual loans

 $14,971  $586  $15,557  $14,619  $589  $15,208 
Financing Receivable, Past Due [Table Text Block]
  March 31, 2023 
                          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

 $173  $17  $418  $608  $114,415  $115,023  $- 

Commercial and industrial

  422   112   332   866   150,427   151,293   - 

Multi-family residential

  133   -   -   133   148,613   148,746   - 

Single family non-owner occupied

  1,169   169   120   1,458   206,174   207,632   - 

Non-farm, non-residential

  218   48   351   617   792,612   793,229   - 

Agricultural

  34   -   7   41   12,001   12,042   - 

Farmland

  -   -   133   133   12,004   12,137   - 

Consumer real estate loans

                            

Home equity lines

  782   120   487   1,389   72,373   73,762   - 

Single family owner occupied

  5,172   2,603   2,222   9,997   717,205   727,202   - 

Owner occupied construction

  -   -   -   -   10,276   10,276   - 

Consumer and other loans

                            

Consumer loans

  3,822   985   989   5,796   130,514   136,310   - 

Other

  -   -   -   -   1,245   1,245   - 

Total loans

 $11,925  $4,054  $5,059  $21,038  $2,367,859  $2,388,897  $- 
  

December 31, 2022

 
                          

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

 $393  $8  $23  $424  $116,750  $117,174  $- 

Commercial and industrial

  756   129   217   1,102   149,326   150,428   - 

Multi-family residential

  -   -   83   83   147,943   148,026   - 

Single family non-owner occupied

  990   122   299   1,411   204,710   206,121   - 

Non-farm, non-residential

  646   52   548   1,246   786,457   787,703   - 

Agricultural

  36   135   9   180   11,852   12,032   - 

Farmland

  -   -   133   133   11,646   11,779   - 

Consumer real estate loans

                            

Home equity lines

  519   115   262   896   74,746   75,642   - 

Single family owner occupied

  5,951   2,322   3,166   11,439   723,101   734,540   - 

Owner occupied construction

  -   -   -   -   10,366   10,366   - 

Consumer and other loans

                            

Consumer loans

  4,282   1,960   1,459   7,701   136,881   144,582   - 

Other

  -   -   -   -   1,804   1,804   - 

Total loans

 $13,573  $4,843  $6,199  $24,615  $2,375,582  $2,400,197  $- 
Collateral Dependent Loans [Table Text Block]
  

March 31, 2023

  

December 31, 2022

 

(Amounts in thousands)

 

Balance

  

Collateral Coverage

  

%

  

Balance

  

Collateral Coverage

  

%

 

Commercial Real Estate

                        

Hotel

 $-  $-   -  $-  $-   - 

Office

  -   -   -   -   -   - 

Other

  -   -   -   -   -   - 

Retail

  -   -   -   -   -   - 

Multi-Family

                        

Industrial

  -   -   -   -   -   - 

Office

  -   -   -   -   -   - 

Other

  -   -   -   -   -   - 

Commercial and industrial

                        

Industrial

  -   -   -   -   -   - 

Other

  -   -   -   -   -   - 

Home equity loans

  -   -   -   -   -   - 

Consumer owner occupied

  586   574   97.99%  589   574   97.45%

Consumer

  -   -   -   -   -   - 

Total collateral dependent loans

 $586  $574   97.99% $589  $574   97.45%
Financing Receivable, Modified [Table Text Block]
          
  

Payment Delays

  

Amortized Cost Basis

  

% of Total Class of

  
  

March 31, 2023

  

Financing Receivable

 

Financial Effect

          

(Amounts in thousands)

         

Single family owner occupied

 $410   0.056%

Deferred $6 thousand in principal to maturity

Total

 $410      
          
  

Term Extensions

  

Amortized Cost Basis

  

% of Total Class of

  
  

March 31, 2023

  

Financing Receivable

 

Financial Effect

          

(Amounts in thousands)

         

Consumer

 $9   0.007%

Extended term from 60 to 84 months

Total

 $9      
          
          
  

Principal Forgiveness

  

Amortized Cost Basis

  

% of Total Class of

  
  

March 31, 2023

  

Financing Receivable

 

Financial Effect

          

(Amounts in thousands)

         

Single family owner occupied

 $10   0.001%

Reduced amortized cost basis by $13 thousand

Total

 $10      
          
  

March 31, 2023

 
  

Payment Status (Amortized Cost Basis)

 
  

Current

  

30-89 Days Past Due

  

90+ Days Past Due

 
             

(Amounts in thousands)

            

Single family owner occupied

 $420  $-  $- 

Consumer

  9   -   - 

Total

 $429  $-  $- 
             
             
  

Three Months Ended March 31,

 
  

2022

 

(Amounts in thousands)

 

Total Contracts

  

Pre-modification Recorded Investment

  

Post-modification Recorded Investment(1)

 

Below market interest rate

            

Single family owner occupied

  1  $31  $32 

Total below market interest rate

  1  $31  $32 

Total

  1  $31  $32 
Trouble Debt Restructuring Accrual Status [Table Text Block]
  

December 31, 2022

 

(Amounts in thousands)

 

Nonaccrual(1)

  

Accruing

  

Total

 

Commercial loans

            

Commercial and industrial

 $-  $374  $374 

Single family non-owner occupied

  142   838   980 

Non-farm, non-residential

  -   747   747 

Consumer real estate loans

            

Home equity lines

  -   55   55 

Single family owner occupied

  1,182   5,073   6,255 

Owner occupied construction

  -   -   - 

Consumer and other loans

            

Consumer loans

  -   25   25 

Total TDRs

 $1,324  $7,112  $8,436 
             

Allowance for credit losses related to TDRs

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

Three Months Ended March 31,

 
  

2022

 

(Amounts in thousands)

    

Interest income recognized

 $105 
Other Real Estate Owned [Table Text Block]
  

March 31, 2023

  

December 31, 2022

 

(Amounts in thousands)

        

OREO

 $481  $703 
         

OREO secured by residential real estate

 $249  $407 

Residential real estate loans in the foreclosure process(1)

 $1,850  $1,474