Note 7 - Loans and the Allowance for Loan Losses - (Tables)

12 Months Ended

Dec. 31, 2019

Notes Tables

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

	December 31,
	2019			2018
	(Dollars in thousands)
Real estate loans:
Construction and land	$	244,181		$	211,054
Farmland		48,681			45,989
1-4 family residential		293,142			270,583
Multi-family residential		36,454			39,273
Nonfarm nonresidential		612,608			518,660
Commercial		390,398			363,640
Consumer		84,801			79,270
Total loans held for investment		1,710,265			1,528,469
Less:
Allowance for loan losses		(12,124	)		(11,220	)
Net loans	$	1,698,141		$	1,517,249

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

	December 31, 2019
	(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	$	1,590		$	104		$	1,538		$	236		$	2,715		$	4,453		$	584		$	11,220
Charge-offs		(2	)		(2	)		(162	)		-			(51	)		(1,556	)		(52	)		(1,825	)
Recoveries		-			-			14			-			4			41			64			123
Provision		280			127			498			(10	)		1,214			476			21			2,606
Ending Balance	$	1,868		$	229		$	1,888		$	226		$	3,882		$	3,414		$	617		$	12,124
Ending Balance:
Individually evaluated for impairment	$	-		$	4		$	30		$	-		$	52		$	421		$	49		$	556
Collectively evaluated for impairment	$	1,868		$	225		$	1,858		$	226		$	3,830		$	2,993		$	568		$	11,568
Purchased Credit Impaired (1)	$	-		$	-		$	-		$	-		$	-		$	-		$	-		$	-
Loans receivable:
Ending Balance	$	244,181		$	48,681		$	293,142		$	36,454		$	612,608		$	390,398		$	84,801		$	1,710,265
Ending Balance:
Individually evaluated for impairment	$	397		$	222		$	2,531		$	-		$	4,101		$	4,175		$	421		$	11,847
Collectively evaluated for impairment	$	243,784		$	48,324		$	290,549		$	36,454		$	603,891		$	386,027		$	84,380		$	1,693,409
Purchased Credit Impaired (1)	$	-		$	135		$	62		$	-		$	4,616		$	196		$	-		$	5,009

	December 31, 2018
	(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	$	1,421		$	76	$	1,284		$	144	$	2,323	$	3,147	$	370		$	8,765
Charge-offs		(90	)		-		(294	)		-		-		-		(88	)		(472	)
Recoveries		398			-		18			-		13		28		80			537
Provision		(139	)		28		530			92		379		1,278		222			2,390
Ending Balance	$	1,590		$	104	$	1,538		$	236	$	2,715	$	4,453	$	584		$	11,220
Ending Balance:
Individually evaluated for impairment	$	-		$	-	$	96		$	-	$	47	$	1,112	$	25		$	1,280
Collectively evaluated for impairment	$	1,590		$	104	$	1,442		$	236	$	2,668	$	3,341	$	559		$	9,940
Purchased Credit Impaired (1)	$	-		$	-	$	-		$	-	$	-	$	-	$	-		$	-
Loans receivable:
Ending Balance	$	211,054		$	45,989	$	270,583		$	39,273	$	518,660	$	363,640	$	79,270		$	1,528,469
Ending Balance:
Individually evaluated for impairment	$	32		$	112	$	2,728		$	-	$	4,155	$	5,208	$	125		$	12,360
Collectively evaluated for impairment	$	211,022		$	45,713	$	267,761		$	39,273	$	507,506	$	354,985	$	79,145		$	1,505,405
Purchased Credit Impaired (1)	$	-		$	164	$	94		$	-	$	6,999	$	3,447	$	-		$	10,704

Financing Receivable Credit Quality Indicators [Table Text Block]

	December 31, 2019
	Pass		Special Mention		Substandard		Doubtful		Total
	(Dollars in thousands)
Real Estate Loans:
Construction and land	$	241,519	$	1,141	$	1,124	$	397	$	244,181
Farmland		46,591		1,737		14		339		48,681
1-4 family residential		284,381		3,175		3,237		2,349		293,142
Multi-family residential		36,422		-		32		-		36,454
Nonfarm nonresidential		594,046		11,077		3,830		3,655		612,608
Commercial		374,500		9,219		4,854		1,825		390,398
Consumer		82,726		1,538		125		412		84,801
Total	$	1,660,185	$	27,887	$	13,216	$	8,977	$	1,710,265

	December 31, 2018
	Pass		Special Mention		Substandard		Doubtful		Total
	(Dollars in thousands)
Real Estate Loans:
Construction and land	$	209,027	$	718	$	1,277	$	32	$	211,054
Farmland		45,563		153		161		112		45,989
1-4 family residential		260,325		4,601		2,929		2,728		270,583
Multi-family residential		39,237		-		36		-		39,273
Nonfarm nonresidential		494,698		14,421		3,510		6,031		518,660
Commercial		347,839		5,690		7,448		2,663		363,640
Consumer		77,731		1,180		234		125		79,270
Total	$	1,474,420	$	26,763	$	15,595	$	11,691	$	1,528,469

Financing Receivable, Past Due [Table Text Block]

	December 31, 2019
	(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	$	483	$	17	$	379	$	879	$	243,302	$	244,181	$	-
Farmland		18		16		143		177		48,504		48,681		-
1-4 family residential		1,245		975		1,000		3,220		289,922		293,142		29
Multi-family residential		32		-		-		32		36,422		36,454		-
Nonfarm nonresidential		181		610		1,529		2,320		610,288		612,608		-
Commercial		126		142		1,311		1,579		388,819		390,398		-
Consumer		143		34		405		582		84,219		84,801		43
Total	$	2,228	$	1,794	$	4,767	$	8,789	$	1,701,476	$	1,710,265	$	72

	December 31, 2018
	(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	$	325	$	13	$	89	$	427	$	210,627	$	211,054	$	60
Farmland		-		96		-		96		45,893		45,989		-
1-4 family residential		1,596		588		1,400		3,584		266,999		270,583		270
Multi-family residential		36		-		-		36		39,237		39,273		-
Nonfarm nonresidential		2,437		-		3,967		6,404		512,256		518,660		450
Commercial		328		287		3,241		3,856		359,784		363,640		1,038
Consumer		237		89		106		432		78,838		79,270		58
Total	$	4,959	$	1,073	$	8,803	$	14,835	$	1,513,634	$	1,528,469	$	1,876

Financing Receivable, Nonaccrual [Table Text Block]

	December 31,
	2019		2018
	(Dollars in thousands)
Real Estate Loans:
Construction and land	$	397	$	32
Farmland		339		112
1-4 family residential		2,349		2,728
Multi-family residential		-		-
Nonfarm nonresidential		3,655		6,031
Commercial		1,825		2,663
Consumer		412		125
Total	$	8,977	$	11,691

Impaired Financing Receivables [Table Text Block]

	December 31, 2019
	(Dollars in thousands)
			Unpaid				Average
	Recorded		Principal		Related		Recorded
	Investment		Balance		Allowance		Investment
With an allowance recorded:
Real Estate Loans:
Construction and land	$	-	$	-	$	-	$	1
Farmland		20		21		4		21
1-4 family residential		136		167		30		163
Multi-family residential		-		-		-		-
Nonfarm nonresidential		721		738		52		601
Other Loans:
Commercial		851		926		421		1,053
Consumer		120		123		49		116
Total	$	1,848	$	1,975	$	556	$	1,955
With no allowance recorded:
Real Estate Loans:
Construction and land	$	397	$	420	$	-	$	184
Farmland		202		207		-		177
1-4 family residential		2,395		3,041		-		2,531
Multi-family residential		-		-		-		-
Nonfarm nonresidential		3,381		3,693		-		3,644
Other Loans:
Commercial		3,323		4,173		-		4,157
Consumer		301		358		-		192
Total	$	9,999	$	11,892	$	-	$	10,885
Total Impaired Loans:
Real Estate Loans:
Construction and land	$	397	$	420	$	-	$	185
Farmland		222		228		4		198
1-4 family residential		2,531		3,208		30		2,694
Multi-family residential		-		-		-		-
Nonfarm nonresidential		4,102		4,431		52		4,245
Other Loans:
Commercial		4,174		5,099		421		5,210
Consumer		421		481		49		308
Total	$	11,847	$	13,867	$	556	$	12,840

	December 31, 2018
	(Dollars in thousands)
			Unpaid				Average
	Recorded		Principal		Related		Recorded
	Investment		Balance		Allowance		Investment
With an allowance recorded:
Real Estate Loans:
Construction and land	$	-	$	-	$	-	$	22
Farmland		-		-		-		-
1-4 family residential		363		451		96		303
Multi-family residential		-		-		-		-
Nonfarm nonresidential		447		501		47		367
Other Loans:
Commercial		1,883		2,935		1,112		547
Consumer		25		25		25		2
Total	$	2,718	$	3,912	$	1,280	$	1,241
With no allowance recorded:
Real Estate Loans:
Construction and land	$	32	$	56	$	-	$	15
Farmland		112		193		-		9
1-4 family residential		2,365		3,975		-		2,708
Multi-family residential		-		-		-		-
Nonfarm nonresidential		3,708		3,833		-		5,240
Other Loans:
Commercial		3,325		4,198		-		5,350
Consumer		100		144		-		261
Total	$	9,642	$	12,399	$	-	$	13,583
Total Impaired Loans:
Real Estate Loans:
Construction and land	$	32	$	56	$	-	$	37
Farmland		112		193		-		9
1-4 family residential		2,728		4,426		96		3,011
Multi-family residential		-		-		-		-
Nonfarm nonresidential		4,155		4,334		47		5,607
Other Loans:
Commercial		5,208		7,133		1,112		5,897
Consumer		125		169		25		263
Total	$	12,360	$	16,311	$	1,280	$	14,824

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, 2017	$	696
Carrying amount of purchased impaired credits acquired in MBI acquisition		5,798
Carrying amount of purchased impaired credits acquired in RSBI acquisition		4,533
Payments received, net of discounts realized		(507	)
Purchased impaired credit participation interest sales proceeds, net of discount realized		210
Charge-offs		(26	)
Carrying amount - December 31, 2018		10,704
Payments received, net of discounts realized		(5,695	)
Carrying amount - December 31, 2019	$	5,009

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

			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	$	235	$	219
Nonfarm nonresidential		3		2,411		2,044
Other Loans:
Commercial		6		5,914		2,755
Consumer		1		11		9
Total		13	$	8,571	$	5,027

			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		1	$	-	$	-
Nonfarm nonresidential		3		2,412		2,308
Other Loans:
Commercial		6		5,914		3,512
Total		10	$	8,326	$	5,820