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Note 4 - Loans | 9 Months Ended
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Sep. 30, 2023
Notes to Financial Statements |
Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | Note 4. Loans The Company groups loans held for investment into three segments (commercial loans, consumer real estate loans, and consumer and other loans) with each segment divided into various classes. Customer overdrafts reclassified as loans totaled $1.74 million as of September 30, 2023, and $1.80 million as of December 31, 2022. Deferred loan fees, net of loan costs, totaled $7.76 million as of September 30, 2023, and $8.81 million as of December 31, 2022. In accordance with the adoption of ASU 2016-13, the table below reflects the loan portfolio at the amortized cost basis to include net deferred loan fees of $7.76 million and $8.81 million and unamortized discount related to loans acquired of $16.08 million and $3.80 million for September 30, 2023, and December 31, 2022, respectively. Accrued interest receivable of $9.35 million as of September 30, 2023, and $7.94 million as of December 31, 2022, is accounted for separately and reported in Interest Receivable on the Consolidated Balance Sheet.
|  | September 30, 2023 |  |  | December 31, 2022 |
(Amounts in thousands) |  | Amount |  |  | Percent |  |  | Amount |  |  | Percent |
Loans held for investment |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 113,790 |  |  |  | 4.39 | % |  | $ | 117,174 |  |  |  | 4.88 | %
Commercial and industrial |  |  | 213,541 |  |  |  | 8.23 | % |  |  | 150,428 |  |  |  | 6.27 | %
Multi-family residential |  |  | 169,245 |  |  |  | 6.53 | % |  |  | 148,026 |  |  |  | 6.17 | %
Single family non-owner occupied |  |  | 230,836 |  |  |  | 8.90 | % |  |  | 206,121 |  |  |  | 8.59 | %
Non-farm, non-residential |  |  | 896,555 |  |  |  | 34.57 | % |  |  | 787,703 |  |  |  | 32.82 | %
Agricultural |  |  | 22,146 |  |  |  | 0.85 | % |  |  | 12,032 |  |  |  | 0.50 | %
Farmland |  |  | 15,997 |  |  |  | 0.62 | % |  |  | 11,779 |  |  |  | 0.49 | %
Total commercial loans |  |  | 1,662,110 |  |  |  | 64.09 | % |  |  | 1,433,263 |  |  |  | 59.72 | %
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 88,224 |  |  |  | 3.40 | % |  |  | 75,642 |  |  |  | 3.15 | %
Single family owner occupied |  |  | 703,789 |  |  |  | 27.14 | % |  |  | 734,540 |  |  |  | 30.61 | %
Owner occupied construction |  |  | 10,692 |  |  |  | 0.41 | % |  |  | 10,366 |  |  |  | 0.43 | %
Total consumer real estate loans |  |  | 802,705 |  |  |  | 30.95 | % |  |  | 820,548 |  |  |  | 34.19 | %
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 126,917 |  |  |  | 4.89 | % |  |  | 144,582 |  |  |  | 6.02 | %
Other |  |  | 1,740 |  |  |  | 0.07 | % |  |  | 1,804 |  |  |  | 0.07 | %
Total consumer and other loans |  |  | 128,657 |  |  |  | 4.96 | % |  |  | 146,386 |  |  |  | 6.09 | %
Total loans held for investment, net of unearned income |  | $ | 2,593,472 |  |  |  | 100.00 | % |  | $ | 2,400,197 |  |  |  | 100.00 | %

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- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Publisher FASB -URI https://asc.fasb.org//310-10/tableOfContent + Details
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