Note 6 - Loans and the Allowance for Loan Losses - (Tables)

6 Months Ended

Jun. 30, 2017

Notes Tables

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

	June 30,			December 31,
	2017			2016
	(Dollars in thousands)
Real estate loans:
Construction and land	$	112,199		$	94,426
Farmland		10,524			9,217
1-4 family residential		139,398			129,052
Multi-family residential		23,039			22,737
Nonfarm nonresidential		304,278			298,057
Commercial		238,924			213,120
Consumer		46,144			44,342
Total loans held for investment		874,506			810,951
Less:
Allowance for loan losses		(9,177	)		(8,162	)
Net loans	$	865,329		$	802,789

Allowance for Credit Losses on Financing Receivables [Table Text Block]

	June 30, 2017
	(Dollars in thousands)
	Real Estate:					Real Estate:			Real Estate:		Real Estate:
	Construction			Real Estate:		1-4 Family			Multi-family		Nonfarm
	and Land			Farmland		Residential			Residential		Nonresidential			Commercial			Consumer			Total
Allowance for credit losses:
Beginning Balance	$	933		$	75	$	1,228		$	172	$	2,314		$	3,039		$	401		$	8,162
Charge-offs		(2	)		-		(20	)		-		(617	)		(53	)		(30	)		(722	)
Recoveries		1			-		14			-		1			30			31			77
Provision		255			13		320			13		745			326			(12	)		1,660
Ending Balance	$	1,187		$	88	$	1,542		$	185	$	2,443		$	3,342		$	390		$	9,177
Ending Balance:
Individually evaluated for impairment	$	22		$	-	$	416		$	-	$	112		$	482		$	-		$	1,032
Collectively evaluated for impairment	$	1,165		$	88	$	1,092		$	185	$	2,331		$	2,860		$	390		$	8,111
Purchased Credit Impaired (1)	$	-		$	-	$	34		$	-	$	-		$	-		$	-		$	34
Loans receivable:
Ending Balance	$	112,199		$	10,524	$	139,398		$	23,039	$	304,278		$	238,924		$	46,144		$	874,506
Ending Balance:
Individually evaluated for impairment	$	133		$	-	$	2,916		$	-	$	3,049		$	4,927		$	235		$	11,260
Collectively evaluated for impairment	$	112,053		$	10,524	$	136,270		$	23,039	$	300,705		$	233,997		$	45,909		$	862,497
Purchased Credit Impaired (1)	$	13		$	-	$	212		$	-	$	524		$	-		$	-		$	749

	December 31, 2016
	(Dollars in thousands)
	Real Estate:					Real Estate:			Real Estate:		Real Estate:
	Construction			Real Estate:		1-4 Family			Multi-family		Nonfarm
	and Land			Farmland		Residential			Residential		Nonresidential			Commercial			Consumer			Total
Allowance for credit losses:
Beginning balance	$	600		$	30	$	1,021		$	101	$	1,416		$	3,618		$	458		$	7,244
Charge-offs		(484	)		-		(162	)		-		(473	)		(667	)		(3	)		(1,789	)
Recoveries		10			-		140			-		1,258			33			46			1,487
Provision		807			45		229			71		113			55			(100	)		1,220
Ending Balance	$	933		$	75	$	1,228		$	172	$	2,314		$	3,039		$	401		$	8,162
Ending Balance:
Individually evaluated for impairment	$	-		$	-	$	252		$	-	$	98		$	501		$	36		$	887
Collectively evaluated for impairment	$	933		$	75	$	943		$	172	$	2,216		$	2,538		$	365		$	7,242
Purchased Credit Impaired (1)	$	-		$	-	$	33		$	-	$	-		$	-		$	-		$	33
Loans receivable:
Ending Balance	$	94,426		$	9,217	$	129,052		$	22,737	$	298,057		$	213,120		$	44,342		$	810,951
Ending Balance:
Individually evaluated for impairment	$	143		$	-	$	3,263		$	-	$	1,073		$	7,332		$	198		$	12,009
Collectively evaluated for impairment	$	94,117		$	9,217	$	125,573		$	22,737	$	295,590		$	205,788		$	44,144		$	797,166
Purchased Credit Impaired (1)	$	166		$	-	$	216		$	-	$	1,394		$	-		$	-		$	1,776

Financing Receivable Credit Quality Indicators [Table Text Block]

	June 30, 2017
	Pass		Special Mention		Substandard		Doubtful		Total
	(Dollars in thousands)
Real Estate Loans:
Construction and land	$	109,643	$	2,001	$	409	$	146	$	112,199
Farmland		10,524		-		-		-		10,524
1-4 family residential		129,819		5,270		1,916		2,393		139,398
Multi-family residential		22,997		-		42		-		23,039
Nonfarm nonresidential		288,548		10,561		1,765		3,404		304,278
Commercial		209,394		21,211		3,392		4,927		238,924
Consumer		45,213		673		23		235		46,144
Total	$	816,138	$	39,716	$	7,547	$	11,105	$	874,506

	December 31, 2016
	Pass		Special Mention		Substandard		Doubtful		Total
	(Dollars in thousands)
Real Estate Loans:
Construction and land	$	92,951	$	932	$	300	$	243	$	94,426
Farmland		9,217		-		-		-		9,217
1-4 family residential		118,891		4,782		2,658		2,721		129,052
Multi-family residential		22,685		-		52		-		22,737
Nonfarm nonresidential		280,398		14,531		1,927		1,201		298,057
Commercial		186,197		16,783		7,377		2,763		213,120
Consumer		43,414		505		225		198		44,342
Total	$	753,753	$	37,533	$	12,539	$	7,126	$	810,951

Past Due Financing Receivables [Table Text Block]

	June 30, 2017
	(Dollars in thousands)
													Recorded
					Greater								Investment Over
	30-59 Days		60-89 Days		Than 90 Days		Total				Total Loans		90 Days Past Due
	Past Due		Past Due		Past Due		Past Due		Current		Receivable		and Still Accruing
Real Estate Loans:
Construction and land	$	37	$	4	$	137	$	178	$	112,021	$	112,199	$	-
Farmland		-		-		-		-		10,524		10,524		-
1-4 family residential		781		151		1,031		1,963		137,435		139,398		-
Multi-family residential		-		-		-		-		23,039		23,039		-
Nonfarm nonresidential		241		3,260		330		3,831		300,447		304,278		-
Commercial		2,690		-		3,682		6,372		232,552		238,924		55
Consumer		6		-		224		230		45,914		46,144		-
Total	$	3,755	$	3,415	$	5,404	$	12,574	$	861,932	$	874,506	$	55

	December 31, 2016
	(Dollars in thousands)
													Recorded
					Greater								Investment Over
	30-59 Days		60-89 Days		Than 90 Days		Total				Total Loans		90 Days Past Due
	Past Due		Past Due		Past Due		Past Due		Current		Receivable		and Still Accruing
Real Estate Loans:
Construction and land	$	465	$	-	$	106	$	571	$	93,855	$	94,426	$	-
Farmland		-		-		-		-		9,217		9,217		-
1-4 family residential		989		579		963		2,531		126,521		129,052		117
Multi-family residential		-		-		-		-		22,737		22,737		-
Nonfarm nonresidential		1,370		173		532		2,075		295,982		298,057		-
Commercial		45		372		262		679		212,441		213,120		51
Consumer		66		-		149		215		44,127		44,342		-
Total	$	2,935	$	1,124	$	2,012	$	6,071	$	804,880	$	810,951	$	168

Impaired Financing Receivables [Table Text Block]

	June 30, 2017
	(Dollars in thousands)
			Unpaid				Average
	Recorded		Principal		Related		Recorded
	Investment		Balance		Allowance		Investment
With an allowance recorded:
Real Estate Loans:
Construction and land	$	89	$	89	$	22	$	60
Farmland		-		-		-		-
1-4 family residential		989		1,069		415		808
Multi-family residential		-		-		-		-
Nonfarm nonresidential		693		708		112		422
Other Loans:
Commercial		596		617		483		487
Consumer		-		-		-		10
Total	$	2,367	$	2,483	$	1,032	$	1,787
With no allowance recorded:
Real Estate Loans:
Construction and land	$	44	$	54	$	-	$	77
Farmland		-		-		-		-
1-4 family residential		1,927		2,290		-		2,309
Multi-family residential		-		-		-		-
Nonfarm nonresidential		2,356		2,406		-		2,009
Other Loans:
Commercial		4,331		5,575		-		5,598
Consumer		235		266		-		124
Total	$	8,893	$	10,591	$	-	$	10,117
Total Impaired Loans:
Real Estate Loans:
Construction and land	$	133	$	143	$	22	$	137
Farmland		-		-		-		-
1-4 family residential		2,916		3,359		415		3,117
Multi-family residential		-		-		-		-
Nonfarm nonresidential		3,049		3,114		112		2,431
Other Loans:
Commercial		4,927		6,192		483		6,085
Consumer		235		266		-		134
Total	$	11,260	$	13,074	$	1,032	$	11,904

	December 31, 2016
	(Dollars in thousands)
			Unpaid				Average
	Recorded		Principal		Related		Recorded
	Investment		Balance		Allowance		Investment
With an allowance recorded:
Real Estate Loans:
Construction and land	$	-	$	-	$	-	$	655
Farmland		-		-		-		-
1-4 family residential		440		470		252		372
Multi-family residential		-		-		-		-
Nonfarm nonresidential		368		368		98		31
Other Loans:
Commercial		695		709		501		1,252
Consumer		36		36		36		12
Total	$	1,539	$	1,583	$	887	$	2,322
With no allowance recorded:
Real Estate Loans:
Construction and land	$	143	$	152	$	-	$	124
Farmland		-		-		-		-
1-4 family residential		2,823		3,276		-		3,296
Multi-family residential		-		-		-		-
Nonfarm nonresidential		705		729		-		3,730
Other Loans:
Commercial		6,637		7,826		-		3,680
Consumer		162		162		-		43
Total	$	10,470	$	12,145	$	-	$	10,873
Total Impaired Loans:
Real Estate Loans:
Construction and land	$	143	$	152	$	-	$	779
Farmland		-		-		-		-
1-4 family residential		3,263		3,746		252		3,668
Multi-family residential		-		-		-		-
Nonfarm nonresidential		1,073		1,097		98		3,761
Other Loans:
Commercial		7,332		8,535		501		4,932
Consumer		198		198		36		55
Total	$	12,009	$	13,728	$	887	$	13,195

Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Carrying Amount, Net [Table Text Block]

	Purchased
	Impaired Credits
	(Dollars in thousands)
Carrying amount - December 31, 2015	$	3,634
Payments received, net of discounts realized		(1,181	)
Charge-offs		(352	)
Transfer to other real estate		(325	)
Carrying amount - December 31, 2016		1,776
Payments received, net of discounts realized		(871	)
Purchased impaired credit participation interest sales proceeds, net of discount realized		444
Charge-offs		(600	)
Carrying amount - June 30, 2017	$	749

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

Modifications as of June 30, 2017:
			Pre-Modification		Post-Modification
	Number		Outstanding		Outstanding
	of		Recorded		Recorded
	Contracts		Investment		Investment
	(Dollars in thousands)
Troubled Debt Restructuring
Real Estate Loans:
1-4 family residential		3	$	870	$	591
Other Loans:
Commercial		3		5,144		3,991
Total		6	$	6,014	$	4,582

Modifications as of December 31, 2016:
			Pre-Modification		Post-Modification
	Number		Outstanding		Outstanding
	of		Recorded		Recorded
	Contracts		Investment		Investment
	(Dollars in thousands)
Troubled Debt Restructuring
Real Estate Loans:
1-4 family residential		3	$	870	$	608
Other Loans:
Commercial		6		6,880		5,323
Total		9	$	7,750	$	5,931