Note 5 - Loans (Tables)

12 Months Ended

Dec. 31, 2018

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

	December 31,
(In thousands)	201 8		201 7
Commercial and industrial	$	833,524	$	779,014
Construction and development, excluding undeveloped land		225,050		195,912
Undeveloped land		30,092		18,988

Real estate mortgage:
Commercial investment		588,610		594,902
Owner occupied commercial		426,373		398,685
1-4 family residential		276,017		262,110
Home equity - first lien		49,500		57,110
Home equity - junior lien		70,947		63,981
Subtotal: Real estate mortgage		1,411,447		1,376,788

Consumer		48,058		38,868

Total loans	$	2,548,171	$	2,409,570

Schedule of Loans and Leases Receivable, Related Parties [Table Text Block]

(In thousands)	Year ended December 31,
Loans to directors and executive officers	201 8		201 7
Balance as of January 1	$	629	$	969
Effect of changes in composition of directors and executive officers		51,415		–
Repayment of term loans		–		(175	)
Changes in balances of revolving lines of credit		643		(165	)
Balance as of December 31	$	52,687	$	629

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

(In thousands)	Type of loan
			Construction
			and development
	Commercial		excluding
	and		undeveloped		Undeveloped		Real estate
December 31, 201 8	industrial		land		land		mortgage		Consumer		Total

Loans	$	833,524	$	225,050	$	30,092	$	1,411,447	$	48,058	$	2,548,171

Loans individually evaluated for impairment	$	220	$	318	$	474	$	1,641	$	–	$	2,653

Loans collectively evaluated for impairment	$	833,304	$	224,732	$	29,618	$	1,409,806	$	48,058	$	2,545,518

Loans acquired with deteriorated credit quality	$	–	$	–	$	–	$	–	$	–	$	–

				Construction
				and development
	Commercial			excluding
	and			undeveloped		Undeveloped		Real estate
	industrial			land		land		mortgage			Consumer			Total
Allowance for loan and lease losses
At December 31, 2017	$	11,276		$	1,724	$	521	$	11,012		$	352		$	24,885
Provision (credit)		2,539			36		231		(261	)		160			2,705
Charge-offs		(2,404	)		–		–		(132	)		(476	)		(3,012	)
Recoveries		554			–		–		62			340			956
At December 31, 2018	$	11,965		$	1,760	$	752	$	10,681		$	376		$	25,534

Allowance for loans individually evaluated for impairment	$	28		$	–	$	–	$	14		$	–		$	42

Allowance for loans collectively evaluated for impairment	$	11,937		$	1,760	$	752	$	10,667		$	376		$	25,492

Allowance for loans acquired with deteriorated credit quality	$	–		$	–	$	–	$	–		$	–		$	–

(In thousands)	Type of loan
			Construction
			and development
	Commercial		excluding
	and		undeveloped		Undeveloped		Real estate
December 31, 2017	industrial		land		land		mortgage		Consumer		Total

Loans	$	779,014	$	195,912	$	18,988	$	1,376,788	$	38,868	$	2,409,570

Loans individually evaluated for impairment	$	1,176	$	664	$	474	$	5,066	$	–	$	7,380

Loans collectively evaluated for impairment	$	777,838	$	195,248	$	18,514	$	1,371,246	$	38,868	$	2,401,714

Loans acquired with deteriorated credit quality	$	–	$	–	$	–	$	476	$	–	$	476

				Construction
				and development
	Commercial			excluding
	and			undeveloped			Undeveloped			Real estate
	industrial			land			land			mortgage			Consumer			Total
Allowance for loan and lease losses
At December 31, 2016	$	10,483		$	1,923		$	684		$	10,573		$	344		$	24,007
Provision (credit)		2,373			(199	)		(163	)		383			156			2,550
Charge-offs		(1,782	)		–			–			(98	)		(549	)		(2,429	)
Recoveries		202			–			–			154			401			757
At December 31, 2017	$	11,276		$	1,724		$	521		$	11,012		$	352		$	24,885

Allowance for loans individually evaluated for impairment	$	34		$	–		$	–		$	14		$	–		$	48

Allowance for loans collectively evaluated for impairment	$	11,242		$	1,724		$	521		$	10,998		$	352		$	24,837

Allowance for loans acquired with deteriorated credit quality	$	–		$	–		$	–		$	–		$	–		$	–

(In thousands)	Type of loan
			Construction
			and development
	Commercial		excluding
	and		undeveloped		Undeveloped		Real estate
December 31, 2016	industrial		land		land		mortgage		Consumer		Total

Loans	$	736,841	$	192,348	$	21,496	$	1,319,520	$	35,170	$	2,305,375

Loans individually evaluated for impairment	$	2,682	$	538	$	474	$	2,516	$	59	$	6,269

Loans collectively evaluated for impairment	$	734,139	$	191,810	$	21,022	$	1,316,400	$	35,111	$	2,298,482

Loans acquired with deteriorated credit quality	$	20	$	–	$	–	$	604	$	–	$	624

				Construction
				and development
	Commercial			excluding
	And			undeveloped			Undeveloped			Real estate
	Industrial			land			land			mortgage			Consumer			Total
Allowance for loan and lease losses
At December 31, 2015	$	8,645		$	1,760		$	814		$	10,875		$	347		$	22,441
Provision (credit)		2,775			275			(130	)		(68	)		148			3,000
Charge-offs		(1,216	)		(133	)		–			(576	)		(568	)		(2,493	)
Recoveries		279			21			–			342			417			1,059
At December 31, 2016	$	10,483		$	1,923		$	684		$	10,573		$	344		$	24,007

Allowance for loans individually evaluated for impairment	$	1,207		$	–		$	1		$	–		$	59		$	1,267

Allowance for loans collectively evaluated for impairment	$	9,276		$	1,923		$	683		$	10,573		$	285		$	22,740

Allowance for loans acquired with deteriorated credit quality	$	–		$	–		$	–		$	–		$	–		$	–

Impaired Financing Receivables [Table Text Block]

(In thousands)			Unpaid				Average		Interest
	Recorded		principal		Related		recorded		income
December 31, 2018	investment		balance		allowance		investment		recognized

Loans with no related allowance recorded:
Commercial and industrial	$	192	$	707	$	–	$	161	$	–
Construction and development, excluding undeveloped land		318		489		–		437		–
Undeveloped land		474		506		–		474		–

Real estate mortgage
Commercial investment		138		138		–		35		–
Owner occupied commercial		586		1,023		–		1,503		–
1-4 family residential		760		760		–		1,242		–
Home equity - first lien		–		–		–		–
Home equity - junior lien		143		143		–		73		–
Subtotal: Real estate mortgage		1,627		2,064		–		2,853		–

Consumer		–		–		–		23
Subtotal	$	2,611	$	3,766	$	–	$	3,948	$	–

Loans with an allowance recorded:
Commercial and industrial	$	28	$	28	$	28	$	1,851	$	2
Construction and development, excluding undeveloped land		–		–		–		–		–
Undeveloped land		–		–		–		24		–

Real estate mortgage
Commercial investment		–		–		–		–		–
Owner occupied commercial		–		–		–		897		–
1-4 family residential		14		14		14		14		1
Home equity - first lien		–		–		–		–		–
Home equity - junior lien		–		–		–		–		–
Subtotal: Real estate mortgage		14		14		14		911		1

Consumer		–		–		–		–		–
Subtotal	$	42	$	42	$	42	$	2,786	$	3

Total:
Commercial and industrial	$	220	$	735	$	28	$	2,012		2
Construction and development, excluding undeveloped land		318		489		–		437		–
Undeveloped land		474		506		–		498		–

Real estate mortgage
Commercial investment		138		138		–		35		–
Owner occupied commercial		586		1,023		–		2,400		–
1-4 family residential		774		774		14		1,256		1
Home equity - first lien		–		–		–		–		–
Home equity - junior lien		143		143		–		73		–
Subtotal: Real estate mortgage		1,641		2,078		14		3,764		1

Consumer		–		–		–		23		–
Total	$	2,653	$	3,808	$	42	$	6,734		3

(In thousands)			Unpaid				Average		Interest
	Recorded		principal		Related		recorded		income
December 31, 2017	investment		balance		allowance		investment		recognized

Loans with no related allowance recorded:
Commercial and industrial	$	1,142	$	2,202	$	–	$	411	$	–
Construction and development, excluding undeveloped land		664		834		–		559		–
Undeveloped land		474		506		–		425		–

Real estate mortgage
Commercial investment		52		53		–		110		–
Owner occupied commercial		3,332		3,789		–		1,678		–
1-4 family residential		1,637		1,657		–		935		–
Home equity - first lien		–		–		–		–
Home equity - junior lien		31		31		–		186		–
Subtotal: Real estate mortgage		5,052		5,530		–		2,909		–

Consumer		–		–		–		–
Subtotal	$	7,332	$	9,072	$	–	$	4,304	$	–

Loans with an allowance recorded:
Commercial and industrial	$	34	$	34	$	34	$	1,882		78
Construction and development, excluding undeveloped land		–								–
Undeveloped land		–						48		–

Real estate mortgage
Commercial investment		–		–		–		–		–
Owner occupied commercial		–		–		–		–		–
1-4 family residential		14		14		14		5		–
Home equity - first lien		–		–		–		–		–
Home equity - junior lien		–		–		–		–		–
Subtotal: Real estate mortgage		14		14		14		5		–

Consumer		–		–		–		46		–
Subtotal	$	48	$	48	$	48	$	1,981	$	78

Total:
Commercial and industrial	$	1,176	$	2,236	$	34	$	2,293		78
Construction and development, excluding undeveloped land		664		834		–		559		–
Undeveloped land		474		506		–		473		–

Real estate mortgage
Commercial investment		52		53		–		110		–
Owner occupied commercial		3,332		3,789		–		1,678		–
1-4 family residential		1,651		1,671		14		940		–
Home equity - first lien		–		–		–		–		–
Home equity - junior lien		31		31		–		186		–
Subtotal: Real estate mortgage		5,066		5,544		14		2,914		–

Consumer		–		–		–		46		–
Total	$	7,380	$	9,120	$	48	$	6,285	$	78

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

	December 31,
(In thousands)	201 8		201 7

Commercial and industrial	$	192	$	321
Construction and development, excluding undeveloped land		318		664
Undeveloped land		474		474

Real estate mortgage
Commercial investment		138		52
Owner occupied commercial		586		3,332
1-4 family residential		760		1,637
Home equity - first lien		–		–
Home equity - junior lien		143		31
Subtotal: Real estate mortgage		1,627		5,052

Consumer		–		–

Total	$	2,611	$	6,511

Past Due Financing Receivables [Table Text Block]

													Recorded
(In thousands)							90 or more						investment
							days past						> 90 days
			30-59 days		60-89 days		due (includes)		Total		Total		and
December 31, 201 8	Current		past due		past due		non-accrual)		past due		loans		accruing

Commercial and industrial	$	832,923	$	197	$	200	$	204	$	601	$	833,524	$	12
Construction and development, excluding undeveloped land		224,732		–		–		318		318		225,050		–
Undeveloped land		29,552		66		–		474		540		30,092		–

Real estate mortgage
Commercial investment		586,884		1,382		107		237		1,726		588,610		99
Owner occupied Commercial		421,143		2,732		1,377		1,121		5,230		426,373		535
1-4 family residential		274,547		374		336		760		1,470		276,017		–
Home equity - first lien		49,321		179		–		–		179		49,500		–
Home equity - junior lien		70,467		182		56		242		480		70,947		99
Subtotal: Real estate mortgage		1,402,362		4,849		1,876		2,360		9,085		1,411,447		733

Consumer		48,058		–		–		–		–		48,058		–

Total	$	2,537,627	$	5,112	$	2,076	$	3,356	$	10,544	$	2,548,171	$	745

December 31, 201 7
Commercial and industrial	$	776,118	$	2,571	$	4	$	321	$	2,896	$	779,014	$	–
Construction and development, excluding undeveloped land		194,936		–		312		664		976		195,912		–
Undeveloped land		18,514		–		–		474		474		18,988		–

Real estate mortgage
Commercial investment		594,242		608		–		52		660		594,902		–
Owner occupied commercial		394,623		455		275		3,332		4,062		398,685		–
1-4 family residential		259,994		172		307		1,637		2,116		262,110		–
Home equity - first lien		56,938		172		–		–		172		57,110		–
Home equity - junior lien		63,667		87		194		33		314		63,981		2
Subtotal: Real estate mortgage		1,369,464		1,494		776		5,054		7,324		1,376,788		2

Consumer		38,699		86		83		–		169		38,868		–

Total	$	2,397,731	$	4,151	$	1,175	$	6,513	$	11,839	$	2,409,570	$	2

Financing Receivable Credit Quality Indicators [Table Text Block]

(In thousands)							Substandard				Total
December 31, 201 8	Pass		OAEM		Substandard		non-performing		Doubtful		loans

Commercial and industrial	$	803,073	$	11,516	$	18,703	$	232	$	–	$	833,524
Construction and development, excluding undeveloped land		220,532		4,200		–		318		–		225,050
Undeveloped land		29,618		–		–		474		–		30,092

Real estate mortgage
Commercial investment		586,543		1,815		15		237		–		588,610
Owner occupied commercial		411,722		9,030		4,500		1,121		–		426,373
1-4 family residential		273,537		1,544		162		774		–		276,017
Home equity - first lien		49,500		–		–		–		–		49,500
Home equity - junior lien		70,437		249		19		242		–		70,947
Subtotal: Real estate mortgage		1,391,739		12,638		4,696		2,374		–		1,411,447

Consumer		48,058		–		–		–		–		48,058

Total	$	2,493,020	$	28,354	$	23,399	$	3,398	$	–	$	2,548,171

December 31, 201 7
Commercial and industrial	$	751,628	$	12,032	$	14,178	$	1,176	$	–	$	779,014
Construction and development, excluding undeveloped land		195,248		–		–		664		–		195,912
Undeveloped land		18,484		–		30		474		–		18,988

Real estate mortgage
Commercial investment		591,232		3,599		19		52		–		594,902
Owner occupied Commercial		383,455		8,683		3,215		3,332		–		398,685
1-4 family residential		256,968		2,477		1,014		1,651		–		262,110
Home equity - first lien		57,110		–		–		–		–		57,110
Home equity - junior lien		63,471		247		230		33		–		63,981
Subtotal: Real estate mortgage		1,352,236		15,006		4,478		5,068		–		1,376,788

Consumer		38,747		117		4		–		–		38,868

Total	$	2,356,343	$	27,155	$	18,690	$	7,382	$	–	$	2,409,570