Note 3 - Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2020

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

											Percent
	September 30, 2020					December 31, 2019					Increase
	Balance		%			Balance		%			(Decrease)
Commercial:
Commercial and industrial (1)	$	1,321,419,000		39.5	%	$	846,551,000		29.6	%		56.1	%
Vacant land, land development, and residential construction		50,941,000		1.5			56,119,000		2.0			(0.9	)
Real estate – owner occupied		549,364,000		16.4			579,003,000		20.3			(5.1	)
Real estate – non-owner occupied		878,897,000		26.2			835,346,000		29.2			5.2
Real estate – multi-family and residential rental		137,740,000		4.1			124,525,000		4.4			10.6
Total commercial		2,938,361,000		87.7			2,441,544,000		85.5			20.3
Retail:
Home equity and other		63,723,000		1.9			75,374,000		2.6			(15.5	)
1-4 family mortgages		348,460,000		10.4			339,749,000		11.9			2.6
Total retail		412,183,000		12.3			415,123,000		14.5			(0.7	)
Total loans	$	3,350,544,000		100.0	%	$	2,856,667,000		100.0	%		17.3	%

Financing Receivable, Nonaccrual [Table Text Block]

	September 30, 2020		December 31, 2019
Loans past due 90 days or more still accruing interest	$	0	$	0
Nonaccrual loans		4,141,000		2,284,000
Total nonperforming loans	$	4,141,000	$	2,284,000

	September 30, 2020		December 31, 2019
Commercial:
Commercial and industrial	$	213,000	$	0
Vacant land, land development, and residential construction		198,000		0
Real estate – owner occupied		1,248,000		134,000
Real estate – non-owner occupied		23,000		0
Real estate – multi-family and residential rental		0		2,000
Total commercial		1,682,000		136,000
Retail:
Home equity and other		265,000		255,000
1-4 family mortgages		2,194,000		1,893,000
Total retail		2,459,000		2,148,000
Total nonperforming loans	$	4,141,000	$	2,284,000

Financing Receivable, Past Due [Table Text Block]

	30 – 59 Days Past Due		60 – 89 Days Past Due		Greater Than 89 Days Past Due		Total Past Due		Current		Total Loans		Recorded Balance > 89 Days and Accruing
Commercial:
Commercial and industrial	$	39,000	$	35,000	$	30,000	$	104,000	$	1,321,315,000	$	1,321,419,000	$	0
Vacant land, land development, and residential construction		16,000		22,000		198,000		236,000		50,705,000		50,941,000		0
Real estate – owner occupied		342,000		518,000		92,000		952,000		548,412,000		549,364,000		0
Real estate – non-owner occupied		0		23,000		0		23,000		878,874,000		878,897,000		0
Real estate – multi-family and residential rental		0		0		0		0		137,740,000		137,740,000		0
Total commercial		397,000		598,000		320,000		1,315,000		2,937,046,000		2,938,361,000		0
Retail:
Home equity and other		50,000		3,000		52,000		105,000		63,618,000		63,723,000		0
1-4 family mortgages		203,000		253,000		251,000		707,000		347,753,000		348,460,000		0
Total retail		253,000		256,000		303,000		812,000		411,371,000		412,183,000		0
Total past due loans	$	650,000	$	854,000	$	623,000	$	2,127,000	$	3,348,417,000	$	3,350,544,000	$	0

	30 – 59 Days Past Due		60 – 89 Days Past Due		Greater Than 89 Days Past Due		Total Past Due		Current		Total Loans		Recorded Balance > 89 Days and Accruing
Commercial:
Commercial and industrial	$	0	$	0	$	0	$	0	$	846,551,000	$	846,551,000	$	0
Vacant land, land development, and residential construction		191,000		0		0		191,000		55,928,000		56,119,000		0
Real estate – owner occupied		0		0		134,000		134,000		578,869,000		579,003,000		0
Real estate – non-owner occupied		0		0		0		0		835,346,000		835,346,000		0
Real estate – multi-family and residential rental		0		0		0		0		124,525,000		124,525,000		0
Total commercial		191,000		0		134,000		325,000		2,441,219,000		2,441,544,000		0
Retail:
Home equity and other		171,000		65,000		20,000		256,000		75,118,000		75,374,000		0
1-4 family mortgages		745,000		29,000		529,000		1,303,000		338,446,000		339,749,000		0
Total retail		916,000		94,000		549,000		1,559,000		413,564,000		415,123,000		0
Total past due loans	$	1,107,000	$	94,000	$	683,000	$	1,884,000	$	2,854,783,000	$	2,856,667,000	$	0

Impaired Financing Receivables [Table Text Block]

	Unpaid Contractual Principal Balance		Recorded Principal Balance		Related Allowance	Third Quarter Average Recorded Principal Balance		Year-To- Date Average Recorded Principal Balance
With no related allowance recorded
Commercial:
Commercial and industrial	$	6,109,000	$	6,078,000		$	7,416,000	$	8,282,000
Vacant land, land development and residential construction		283,000		198,000			326,000		234,000
Real estate – owner occupied		2,923,000		2,915,000			3,645,000		3,053,000
Real estate – non-owner occupied		593,000		592,000			309,000		199,000
Real estate – multi-family and residential rental		0		0			0		3,000
Total commercial		9,908,000		9,783,000			11,696,000		11,771,000
Retail:
Home equity and other		1,423,000		1,336,000			1,305,000		1,273,000
1-4 family mortgages		4,443,000		2,439,000			2,505,000		2,415,000
Total retail		5,866,000		3,775,000			3,810,000		3,688,000
Total with no related allowance recorded	$	15,774,000	$	13,558,000		$	15,506,000	$	15,459,000

	Unpaid Contractual Principal Balance		Recorded Principal Balance		Related Allowance		Third Quarter Average Recorded Principal Balance		Year-To- Date Average Recorded Principal Balance
With an allowance recorded
Commercial:
Commercial and industrial	$	557,000	$	551,000	$	242,000	$	940,000	$	1,128,000
Vacant land, land development and residential construction		0		0		0		0		96,000
Real estate – owner occupied		850,000		823,000		235,000		436,000		538,000
Real estate – non-owner occupied		166,000		166,000		3,000		168,000		84,000
Real estate – multi-family and residential rental		0		0		0		0		0
Total commercial		1,573,000		1,540,000		480,000		1,544,000		1,846,000
Retail:
Home equity and other		379,000		363,000		277,000		470,000		455,000
1-4 family mortgages		644,000		644,000		153,000		653,000		569,000
Total retail		1,023,000		1,007,000		430,000		1,123,000		1,024,000
Total with an allowance recorded	$	2,596,000	$	2,547,000	$	910,000	$	2,667,000	$	2,870,000
Total impaired loans:
Commercial	$	11,481,000	$	11,323,000	$	480,000	$	13,240,000	$	13,617,000
Retail		6,889,000		4,782,000		430,000		4,933,000		4,712,000
Total impaired loans	$	18,370,000	$	16,105,000	$	910,000	$	18,173,000	$	18,329,000

	Unpaid Contractual Principal Balance		Recorded Principal Balance		Related Allowance	Third Quarter Average Recorded Principal Balance		Year-To- Date Average Recorded Principal Balance
With no related allowance recorded
Commercial:
Commercial and industrial	$	8,129,000	$	8,129,000		$	15,474,000	$	12,480,000
Vacant land, land development and residential construction		85,000		85,000			88,000		90,000
Real estate – owner occupied		715,000		667,000			1,883,000		1,733,000
Real estate – non-owner occupied		178,000		178,000			209,000		120,000
Real estate – multi-family and residential rental		29,000		9,000			81,000		54,000
Total commercial		9,136,000		9,068,000			17,735,000		14,477,000
Retail:
Home equity and other		1,279,000		1,209,000			1,342,000		1,202,000
1-4 family mortgages		3,272,000		1,968,000			2,021,000		2,106,000
Total retail		4,551,000		3,177,000			3,363,000		3,308,000
Total with no related allowance recorded	$	13,687,000	$	12,245,000		$	21,098,000	$	17,785,000

	Unpaid Contractual Principal Balance		Recorded Principal Balance		Related Allowance		Third Quarter Average Recorded Principal Balance		Year-To- Date Average Recorded Principal Balance
With an allowance recorded
Commercial:
Commercial and industrial	$	460,000	$	458,000	$	202,000	$	8,629,000	$	7,022,000
Vacant land, land development and residential construction		0		0		0		0		0
Real estate – owner occupied		1,078,000		1,078,000		982,000		818,000		1,820,000
Real estate – non-owner occupied		0		0		0		0		100,000
Real estate – multi-family and residential rental		0		0		0		0		67,000
Total commercial		1,538,000		1,536,000		1,184,000		9,447,000		9,009,000
Retail:
Home equity and other		502,000		485,000		356,000		628,000		701,000
1-4 family mortgages		358,000		356,000		83,000		723,000		736,000
Total retail		860,000		841,000		439,000		1,351,000		1,437,000
Total with an allowance recorded	$	2,398,000	$	2,377,000	$	1,623,000	$	10,798,000	$	10,446,000
Total impaired loans:
Commercial	$	10,674,000	$	10,604,000	$	1,184,000	$	27,182,000	$	23,486,000
Retail		5,411,000		4,018,000		439,000		4,714,000		4,745,000
Total impaired loans	$	16,085,000	$	14,622,000	$	1,623,000	$	31,896,000	$	28,231,000

Financing Receivable Credit Quality Indicators [Table Text Block]

	Commercial and Industrial		Commercial Vacant Land, Land Development, and Residential Construction		Commercial Real Estate - Owner Occupied		Commercial Real Estate - Non-Owner Occupied		Commercial Real Estate - Multi-Family and Residential Rental
Internal credit risk grade groupings:
Grades 1 – 4 (1)	$	1,006,636,000	$	18,892,000	$	320,364,000	$	367,023,000	$	79,501,000
Grades 5 – 7		306,131,000		31,488,000		198,754,000		510,922,000		57,957,000
Grades 8 – 9		8,652,000		561,000		30,246,000		952,000		282,000
Total commercial	$	1,321,419,000	$	50,941,000	$	549,364,000	$	878,897,000	$	137,740,000

	Commercial and Industrial		Commercial Vacant Land, Land Development, and Residential Construction		Commercial Real Estate - Owner Occupied		Commercial Real Estate - Non-Owner Occupied		Commercial Real Estate - Multi-Family and Residential Rental
Internal credit risk grade groupings:
Grades 1 – 4	$	521,920,000	$	26,065,000	$	351,671,000	$	563,087,000	$	85,152,000
Grades 5 – 7		309,824,000		29,716,000		220,980,000		272,124,000		39,203,000
Grades 8 – 9		14,807,000		338,000		6,352,000		135,000		170,000
Total commercial	$	846,551,000	$	56,119,000	$	579,003,000	$	835,346,000	$	124,525,000

Financing Receivable, Allowance for Credit Loss [Table Text Block]

	Commercial Loans			Retail Loans			Unallocated			Total
Allowance for loan losses:
Balance at June 30, 2020	$	27,962,000		$	4,224,000		$	60,000		$	32,246,000
Provision for loan losses		3,499,000			(266,000	)		(33,000	)		3,200,000
Charge-offs		(45,000	)		(78,000	)		0			(123,000	)
Recoveries		194,000			55,000			0			249,000
Ending balance	$	31,610,000		$	3,935,000		$	27,000		$	35,572,000
Allowance for loan losses:
Balance at December 31, 2019	$	21,070,000		$	2,749,000		$	70,000		$	23,889,000
Provision for loan losses		10,539,000			1,054,000			(43,000	)		11,550,000
Charge-offs		(360,000	)		(139,000	)		0			(499,000	)
Recoveries		361,000			271,000			0			632,000
Ending balance	$	31,610,000		$	3,935,000		$	27,000		$	35,572,000
Ending balance: individually evaluated for impairment	$	480,000		$	430,000		$	0		$	910,000
Ending balance: collectively evaluated for impairment	$	31,130,000		$	3,505,000		$	27,000		$	34,662,000
Total loans:
Ending balance	$	2,938,361,000		$	412,183,000					$	3,350,544,000
Ending balance: individually evaluated for impairment	$	11,323,000		$	4,782,000					$	16,105,000
Ending balance: collectively evaluated for impairment	$	2,927,038,000		$	407,401,000					$	3,334,439,000

	Commercial Loans			Retail Loans			Unallocated		Total
Allowance for loan losses:
Balance at June 30, 2019	$	21,271,000		$	2,685,000		$	97,000	$	24,053,000
Provision for loan losses		499,000			132,000			69,000		700,000
Charge-offs		(405,000	)		(114,000	)		0		(519,000	)
Recoveries		96,000			84,000			0		180,000
Ending balance	$	21,461,000		$	2,787,000		$	166,000	$	24,414,000
Allowance for loan losses:
Balance at December 31, 2018	$	19,619,000		$	2,717,000		$	44,000	$	22,380,000
Provision for loan losses		2,077,000			251,000			122,000		2,450,000
Charge-offs		(407,000	)		(364,000	)		0		(771,000	)
Recoveries		172,000			183,000			0		355,000
Ending balance	$	21,461,000		$	2,787,000		$	166,000	$	24,414,000
Ending balance: individually evaluated for impairment	$	1,792,000		$	553,000		$	0	$	2,345,000
Ending balance: collectively evaluated for impairment	$	19,669,000		$	2,234,000		$	166,000	$	22,069,000
Total loans:
Ending balance	$	2,441,544,000		$	415,123,000				$	2,856,667,000
Ending balance: individually evaluated for impairment	$	10,986,000		$	4,070,000				$	15,056,000
Ending balance: collectively evaluated for impairment	$	2,430,558,000		$	411,053,000				$	2,841,611,000

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	Number of Contracts	Pre- Modification Recorded Principal Balance		Post- Modification Recorded Principal Balance
Commercial:
Commercial and industrial	2	$	7,000	$	7,000
Vacant land, land development and residential construction	0		0		0
Real estate – owner occupied	1		56,000		56,000
Real estate – non-owner occupied	2		571,000		571,000
Real estate – multi-family and residential rental	0		0		0
Total commercial	5		634,000		634,000
Retail:
Home equity and other	5		82,000		83,000
1-4 family mortgages	2		68,000		67,000
Total retail	7		150,000		150,000
Total loans	12	$	784,000	$	784,000

	Number of Contracts	Pre- Modification Recorded Principal Balance		Post- Modification Recorded Principal Balance
Commercial:
Commercial and industrial	8	$	6,485,000	$	6,491,000
Vacant land, land development and residential construction	0		0		0
Real estate – owner occupied	7		3,508,000		2,906,000
Real estate – non-owner occupied	2		571,000		571,000
Real estate – multi-family and residential rental	0		0		0
Total commercial	17		10,564,000		9,968,000
Retail:
Home equity and other	14		422,000		423,000
1-4 family mortgages	3		88,000		87,000
Total retail	17		510,000		510,000
Total loans	34	$	11,074,000	$	10,478,000

	Number of Contracts	Pre- Modification Recorded Principal Balance		Post- Modification Recorded Principal Balance
Commercial:
Commercial and industrial	1	$	28,000	$	28,000
Vacant land, land development and residential construction	1		87,000		87,000
Real estate – owner occupied	1		102,000		102,000
Real estate – non-owner occupied	0		0		0
Real estate – multi-family and residential rental	0		0		0
Total commercial	3		217,000		217,000
Retail:
Home equity and other	5		62,000		61,000
1-4 family mortgages	1		49,000		49,000
Total retail	6		111,000		110,000
Total loans	9	$	328,000	$	327,000

	Number of Contracts	Pre- Modification Recorded Principal Balance		Post- Modification Recorded Principal Balance
Commercial:
Commercial and industrial	7	$	14,457,000	$	14,754,000
Vacant land, land development and residential construction	1		87,000		87,000
Real estate – owner occupied	2		1,669,000		1,669,000
Real estate – non-owner occupied	0		0		0
Real estate – multi-family and residential rental	0		0		0
Total commercial	10		16,213,000		16,510,000
Retail:
Home equity and other	13		225,000		225,000
1-4 family mortgages	5		202,000		203,000
Total retail	18		427,000		428,000
Total loans	28	$	16,640,000	$	16,938,000

Troubled Debt Restructurings on Financing Receivables with in Previous Twelve Months that Became Over Thirty Days Past Due [Table Text Block]

	Number of Contracts	Recorded Principal Balance
Commercial:
Commercial and industrial	0	$	0
Vacant land, land development and residential construction	0		0
Real estate – owner occupied	0		0
Real estate – non-owner occupied	0		0
Real estate – multi-family and residential rental	0		0
Total commercial	0		0
Retail:
Home equity and other	0		0
1-4 family mortgages	0		0
Total retail	0		0
Total	0	$	0

	Number of Contracts	Recorded Principal Balance
Commercial:
Commercial and industrial	0	$	0
Vacant land, land development and residential construction	0		0
Real estate – owner occupied	0		0
Real estate – non-owner occupied	0		0
Real estate – multi-family and residential rental	0		0
Total commercial	0		0
Retail:
Home equity and other	0		0
1-4 family mortgages	1		31,000
Total retail	1		31,000
Total	1	$	31,000

	Number of Contracts	Recorded Principal Balance
Commercial:
Commercial and industrial	0	$	0
Vacant land, land development and residential construction	0		0
Real estate – owner occupied	0		0
Real estate – non-owner occupied	0		0
Real estate – multi-family and residential rental	0		0
Total commercial	0		0
Retail:
Home equity and other	0		0
1-4 family mortgages	0		0
Total retail	0		0
Total	0	$	0

	Number of Contracts	Recorded Principal Balance
Commercial:
Commercial and industrial	0	$	0
Vacant land, land development and residential construction	0		0
Real estate – owner occupied	0		0
Real estate – non-owner occupied	0		0
Real estate – multi-family and residential rental	0		0
Total commercial	0		0
Retail:
Home equity and other	0		0
1-4 family mortgages	1		6,000
Total retail	1		6,000
Total	1	$	6,000

Trouble Debt Restructuring Activity [Table Text Block]

	Commercial and Industrial			Commercial Vacant Land, Land Development, and Residential Construction			Commercial Real Estate - Owner Occupied			Commercial Real Estate - Non-Owner Occupied			Commercial Real Estate - Multi-Family and Residential Rental
Commercial Loan Portfolio:
Beginning Balance	$	10,067,000		$	80,000		$	3,791,000		$	170,000		$	1,000
Charge-Offs		0			0			0			0			0
Payments		(3,537,000	)		(80,000	)		(827,000	)		(4,000	)		(1,000	)
Transfers to ORE		0			0			0			0			0
Net Additions/Deletions		7,000			0			55,000			569,000			0
Ending Balance	$	6,537,000		$	0		$	3,019,000		$	735,000		$	0

	Retail Home Equity and Other			Retail 1-4 Family Mortgages
Retail Loan Portfolio:
Beginning Balance	$	1,715,000		$	715,000
Charge-Offs		0			0
Payments		(220,000	)		(17,000	)
Transfers to ORE		0			0
Net Additions/Deletions		82,000			69,000
Ending Balance	$	1,577,000		$	767,000

	Commercial and Industrial			Commercial Vacant Land, Land Development, and Residential Construction			Commercial Real Estate - Owner Occupied			Commercial Real Estate - Non-Owner Occupied			Commercial Real Estate - Multi-Family and Residential Rental
Commercial Loan Portfolio:
Beginning Balance	$	8,587,000		$	85,000		$	1,145,000		$	178,000		$	7,000
Charge-Offs		0			0			0			0			0
Payments		(8,512,000	)		(85,000	)		(1,836,000	)		(12,000	)		(7,000	)
Transfers to ORE		0			0			0			0			0
Net Additions/Deletions		6,462,000			0			3,710,000			569,000			0
Ending Balance	$	6,537,000		$	0		$	3,019,000		$	735,000		$	0

	Retail Home Equity and Other			Retail 1-4 Family Mortgages
Retail Loan Portfolio:
Beginning Balance	$	1,415,000		$	724,000
Charge-Offs		0			0
Payments		(423,000	)		(46,000	)
Transfers to ORE		0			0
Net Additions/Deletions		585,000			89,000
Ending Balance	$	1,577,000		$	767,000

	Commercial and Industrial			Commercial Vacant Land, Land Development, and Residential Construction		Commercial Real Estate - Owner Occupied			Commercial Real Estate - Non-Owner Occupied			Commercial Real Estate - Multi-Family and Residential Rental
Commercial Loan Portfolio:
Beginning Balance	$	24,134,000		$	0	$	2,498,000		$	185,000		$	17,000
Charge-Offs		0			0		0			0			0
Payments		(85,000	)		0		(827,000	)		(4,000	)		(5,000	)
Transfers to ORE		0			0		0			0			0
Net Additions/Deletions		2,000			87,000		102,000			0			0
Ending Balance	$	24,051,000		$	87,000	$	1,773,000		$	181,000		$	12,000

	Retail Home Equity and Other			Retail 1-4 Family Mortgages
Retail Loan Portfolio:
Beginning Balance	$	1,466,000		$	706,000
Charge-Offs		0			0
Payments		(45,000	)		(13,000	)
Transfers to ORE		0			0
Net Additions/Deletions		60,000			49,000
Ending Balance	$	1,481,000		$	742,000

	Commercial and Industrial			Commercial Vacant Land, Land Development, and Residential Construction		Commercial Real Estate - Owner Occupied			Commercial Real Estate - Non-Owner Occupied			Commercial Real Estate - Multi-Family and Residential Rental
Commercial Loan Portfolio:
Beginning Balance	$	14,138,000		$	0	$	3,100,000		$	210,000		$	24,000
Charge-Offs		0			0		0			0			0
Payments		(4,899,000	)		0		(3,252,000	)		(29,000	)		(12,000	)
Transfers to ORE		0			0		(97,000	)		0			0
Net Additions/Deletions		14,812,000			87,000		2,022,000			0			0
Ending Balance	$	24,051,000		$	87,000	$	1,773,000		$	181,000		$	12,000

	Retail Home Equity and Other			Retail 1-4 Family Mortgages
Retail Loan Portfolio:
Beginning Balance	$	1,402,000		$	578,000
Charge-Offs		(18,000	)		0
Payments		(137,000	)		(38,000	)
Transfers to ORE		0			0
Net Additions/Deletions		234,000			202,000
Ending Balance	$	1,481,000		$	742,000

Allowance Related to Loans Categorized as Troubled Debt Restructurings [Table Text Block]

	September 30, 2020		December 31, 2019
Commercial:
Commercial and industrial	$	74,000	$	202,000
Vacant land, land development, and residential construction		0		0
Real estate – owner occupied		31,000		982,000
Real estate – non-owner occupied		2,000		0
Real estate – multi-family and residential rental		0		0
Total commercial		107,000		1,184,000
Retail:
Home equity and other		230,000		311,000
1-4 family mortgages		153,000		83,000
Total retail		383,000		394,000
Total related allowance	$	490,000	$	1,578,000

Retail Portfolio Segment [Member]

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

	Retail Home Equity and Other		Retail 1-4 Family Mortgages
Performing		63,458,000		346,266,000
Nonperforming		265,000		2,194,000
Total retail	$	63,723,000	$	348,460,000

	Retail Home Equity and Other		Retail 1-4 Family Mortgages
Performing		75,119,000		337,856,000
Nonperforming		255,000		1,893,000
Total retail	$	75,374,000	$	339,749,000