Note 4 - Loans and Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2020

Notes Tables

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

(in thousands)	March 31, 2020		December 31, 2019
Commercial real estate - non-owner occupied	$	799,284	$	746,283
Commercial real estate - owner occupied		476,534		474,329
Total commercial real estate		1,275,818		1,220,612
Commercial and industrial - term		535,325		457,298
Commercial and industrial - lines of credit		348,543		381,502
Total commercial and industrial		883,868		838,800
Residential real estate - owner occupied		219,221		217,606
Residential real estate - non-owner occupied		134,734		134,995
Total residential real estate		353,955		352,601
Construction and land development		246,040		255,816
Home equity lines of credit		107,121		103,854
Consumer		44,939		47,467
Leases		15,476		16,003
Credits cards - commercial		10,149		9,863
Total loans (1)	$	2,937,366	$	2,845,016

(in thousands)	December 31, 2019
Commercial and industrial	$	870,511
Construction and development, excluding undeveloped land(1)		213,822
Undeveloped land		46,360
Real estate mortgage:
Commercial investment		736,618
Owner occupied commercial		473,783
1-4 family residential		334,358
Home equity - first lien		48,620
Home equity - junior lien		73,477
Subtotal: Real estate mortgage		1,666,856
Consumer		47,467
Total loans(2)	$	2,845,016

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

(in thousands)	Beginning		Impact of adopting ASC			Initial ACL on loans purchased with credit		Provision for								Ending
Three Months Ended March 31, 2020	Balance		ASC 326			deterioration		credit losses			Charge-offs			Recoveries		Balance
Commercial real estate - non-owner occupied	$	5,235	$	2,946		$	152	$	5,100		$	-		$	2	$	13,435
Commercial real estate - owner occupied		3,327		1,542			1,350		290			-			-		6,509
Total commercial real estate		8,562		4,488			1,502		5,390			-			2		19,944
Commercial and industrial - term		6,782		365			-		837			(3	)		9		7,990
Commercial and industrial - lines of credit		5,657		(1,528	)		-		(263	)		-			-		3,866
Total commercial and industrial		12,439		(1,163	)		-		574			(3	)		9		11,856
Residential real estate - owner occupied		1,527		1,087			99		(11	)		(10	)		10		2,702
Residential real estate - non-owner occupied		947		429			-		43			-			-		1,419
Total residential real estate		2,474		1,516			99		32			(10	)		10		4,121
Construction and land development		2,105		3,056			-		24			-			-		5,185
Home equity lines of credit		728		114			-		(219	)		-			-		623
Consumer		100		264			34		(138	)		(177	)		115		198
Leases		237		(4	)		-		(74	)		-			-		159
Credit cards - commercial		146		(50	)		-		(39	)		-			-		57
Total net loan (charge-offs) recoveries	$	26,791	$	8,221		$	1,635	$	5,550		$	(190	)	$	136	$	42,143

(in thousands)	Beginning		Provision for								Ending
Three Months Ended March 31, 2019	Balance		credit losses			Charge-offs			Recoveries		Balance
Real estate mortgage	$	10,681	$	1,300		$	-		$	20	$	12,001
Commercial and industrial		11,965		(302	)		(3	)		102		11,762
Construction and development		1,760		(79	)		-			203		1,884
Undeveloped land		752		(90	)		-			-		662
Consumer		376		(229	)		(96	)		104		155
	$	25,534	$	600		$	(99	)	$	429	$	26,464

(in thousands)			Accounts Receivable /						ACL
March 31, 2020	Real Estate		Equipment		Other		Total		Allocation
Commercial real estate - non-owner occupied	$	718	$	-	$	-	$	718	$	201
Commercial real estate - owner occupied		3,034		-		-		3,034		1,351
Total commercial real estate		3,752		-		-		3,752		1,552
Commercial and industrial - term		-		-		20		20		20
Commercial and industrial - lines of credit		-		-		-		-		-
Total commercial and industrial		-		-		20		20		20
Residential real estate - owner occupied		420		-		-		420		98
Residential real estate - non-owner occupied		63		-		-		63		-
Total residential real estate		483		-		-		483		98
Construction and land development		-		-		-		-		-
Home equity lines of credit		-		-		-		-		-
Consumer		-		-		32		32		32
Leases		-		-		-		-		-
Credit cards - commercial		-		-		-		-		-
Total collateral dependent loans	$	4,235	$	-	$	52	$	4,287	$	1,702

	Loans								ACL
(in thousands)	Loans individually evaluated for		Loans collectively evaluated for		Loans acquired with deteriorated				Loans individually evaluated for		Loans collectively evaluated for		Loans acquired with deteriorated
December 31, 2019	impairment		impairment		credit quality		Total loans		impairment		impairment		credit quality		Total ACL
Commercial and industrial	$	8,223	$	862,288	$	—	$	870,511	$	1,150	$	11,672	$	—	$	12,822
Construction and development, excluding undeveloped land		—		213,822		—		213,822		—		1,319		—		1,319
Undeveloped land		—		46,360		—		46,360		—		786		—		786
Real estate mortgage		3,307		1,663,549		—		1,666,856		13		11,751		—		11,764
Consumer		—		47,467		—		47,467		—		100		—		100
Total	$	11,530	$	2,833,486	$	—	$	2,845,016	$	1,163	$	25,628	$	—	$	26,791

Impaired Financing Receivables [Table Text Block]

	As of						Three months ended
	December 31, 2019						March 31, 2019
			Unpaid				Average		Interest
	Recorded		principal		Related		recorded		income
(in thousands)	investment		balance		ACL		investment		recognized
Impaired loans with no related ACL
Commercial and industrial	$	174	$	174	$	—	$	192	$	—
Construction and development, excluding undeveloped land		—		—		—		159		—
Undeveloped land		—		—		—		237		—
Real estate mortgage
Commercial investment		741		741		—		227		—
Owner occupied commercial		2,278		2,736		—		1,026		—
1-4 family residential		124		124		—		801		—
Home equity - junior lien		151		151		—		299		—
Subtotal: Real estate mortgage		3,294		3,752		—		2,353		—
Subtotal	$	3,468	$	3,926	$	-	$	2,941	$	-
Impaired loans with an ACL
Commercial and industrial	$	8,049	$	8,049	$	1,150	$	27	$	1
Real estate mortgage
1-4 family residential		13		13		13		14		—
Subtotal: Real estate mortgage		13		13		13		14		—
Subtotal	$	8,062	$	8,062	$	1,163	$	41	$	1
Total impaired loans:
Commercial and industrial	$	8,223	$	8,223	$	1,150	$	219	$	1
Construction and development, excluding undeveloped land		—		—		—		159		—
Undeveloped land		—		—		—		237		—
Real estate mortgage
Commercial investment		741		741		—		227		—
Owner occupied commercial		2,278		2,736		—		1,026		—
1-4 family residential		137		137		13		815		—
Home equity - first lien		—		—		—		—		—
Home equity - junior lien		151		151		—		299		—
Subtotal: Real estate mortgage		3,307		3,765		13		2,367		—
Total	$	11,530	$	11,988	$	1,163	$	2,982	$	1

Financing Receivable, Past Due [Table Text Block]

							90 or more
							Days Past Due
(in thousands)			30-59 days		60-89 days		(includes all		Total		Total
March 31, 2020	Current		Past Due		Past Due		non-accrual)		Past Due		Loans
Commercial real estate - non-owner occupied	$	797,923	$	50	$	245	$	1,066	$	1,361	$	799,284
Commercial real estate - owner occupied		472,700		627		—		3,207		3,834		476,534
Total commercial real estate		1,270,623		677		245		4,273		5,195		1,275,818
Commercial and industrial - term		532,418		2,704		—		203		2,907		535,325
Commercial and industrial - line of credit		346,598		1,131		24		790		1,945		348,543
Total commercial and industrial		879,016		3,835		24		993		4,852		883,868
Residential real estate - owner occupied		217,300		1,352		54		515		1,921		219,221
Residential real estate - non-owner occupied		134,225		342		—		167		509		134,734
Total residential real estate		351,525		1,694		54		682		2,430		353,955
Construction and land development		245,837		154		—		49		203		246,040
Home equity lines of credit		106,950		171		—		—		171		107,121
Consumer		44,829		86		24		—		110		44,939
Leases		15,476		—		—		—		—		15,476
Credit cards - commercial		10,149		—		—		—		—		10,149
Total	$	2,924,405	$	6,617	$	347	$	5,997	$	12,961	$	2,937,366

							90 or more
							Days Past Due
(in thousands)			30-59 days		60-89 days		(includes all		Total		Total
December 31, 2019	Current		Past Due		Past Due		non-accrual)		Past Due		Loans
Commercial and industrial	$	861,860	$	253	$	194	$	8,204	$	8,651	$	870,511
Construction and development, excluding undeveloped land		213,766		6		50		—		56		213,822
Undeveloped land		46,360		—		—		—		—		46,360
Real estate mortgage:
Commercial investment		735,387		94		—		1,137		1,231		736,618
Owner occupied commercial		470,951		467		86		2,279		2,832		473,783
1-4 family residential		332,718		1,368		33		239		1,640		334,358
Home equity - first lien		48,441		179		—		—		179		48,620
Home equity - junior lien		72,995		196		100		186		482		73,477
Subtotal: Real estate mortgage		1,660,492		2,304		219		3,841		6,364		1,666,856
Consumer		47,379		84		4		—		88		47,467
Total	$	2,829,857	$	2,647	$	467	$	12,045	$	15,159	$	2,845,016

Financing Receivable, Nonaccrual [Table Text Block]

					Past Due 90-Days-
(In thousands)	Non-accrual		Total		or-More and Still
March 31, 2020	with no ACL		Non-accrual		Accruing Interest
Commercial real estate - non-owner occupied	$	130	$	718	$	348
Commercial real estate - owner occupied		1,683		3,034		174
Total commercial real estate		1,813		3,752		522
Commercial and industrial - term		—		—		203
Commercial and industrial - lines of credit		—		—		790
Total commercial and industrial		—		—		993
Residential real estate - owner occupied		322		420		95
Residential real estate - non-owner occupied		63		63		103
Total residential real estate		385		483		198
Construction and land development		—		—		49
Home equity lines of credit		—		—		—
Consumer		—		—		—
Leases		—		—		—
Credit cards - commercial		—		—		—
Total	$	2,198	$	4,235	$	1,762

December 31, 2019 (in thousands)	Non-accrual		Past Due 90-Days-or- More and Still Accruing Interest
Commercial and industrial	$	8,202	$	—
Construction and development, excluding undeveloped land		—		—
Undeveloped land		—		—
Real estate mortgage:
Commercial investment		740		396
Owner occupied commercial		2,278		—
1-4 family residential		123		104
Home equity - first lien		—		—
Home equity - junior lien		151		35
Subtotal: Real estate mortgage		3,292		535
Consumer		—		—
Total	$	11,494	$	535

Financing Receivable Credit Quality Indicators [Table Text Block]

	Term Loans Amortized Cost Basis by Origination Year
													Revolving		Revolving
													loans		loans
(In thousands)													amortized		converted
March 31, 2020	2020		2019		2018		2017		2016		Prior		cost basis		to term		Total
Commercial real estate - non-owner occupied:
Risk rating
Pass	$	102,344	$	188,733	$	138,493	$	121,130	$	110,666	$	101,335	$	15,055	$	8,073	$	785,829
OAEM		-		2,368		1,153		-		1,954		485		500		-		6,460
Substandard		4,200		2,076		-		-		-		-		-		-		6,276
Substandard non-performing		-		-		-		571		-		148		-		-		719
Doubtful		-		-		-		-		-		-		-		-		-
Total Commercial real estate non-owner occupied	$	106,544	$	193,177	$	139,646	$	121,701	$	112,620	$	101,968	$	15,555	$	8,073	$	799,284
Commercial real estate - owner occupied:
Risk rating
Pass	$	44,581	$	139,414	$	100,913	$	61,732	$	46,766	$	61,445	$	7,946	$	351	$	463,148
OAEM		-		66		121		827		258		76		-		-		1,348
Substandard		-		7,031		1,377		107		131		366		-		-		9,012
Substandard non-performing		351		-		20		501		-		2,154		-		-		3,026
Doubtful		-		-		-		-		-		-		-		-		-
Total Commercial real estate owner occupied	$	44,932	$	146,511	$	102,431	$	63,167	$	47,155	$	64,041	$	7,946	$	351	$	476,534

	Term Loans Amortized Cost Basis by Origination Year
													Revolving		Revolving
													loans		loans
(In thousands)													amortized		converted
March 31, 2020	2020		2019		2018		2017		2016		Prior		cost basis		to term		Total
Commercial and industrial - term:
Risk rating
Pass	$	86,952	$	166,849	$	134,989	$	57,583	$	45,755	$	25,565	$	-	$	8,728	$	526,421
OAEM		-		474		505		169		223		19		-		-		1,390
Substandard		280		4,271		2,641		44		199		79		-		-		7,514
Substandard non-performing		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Total Commercial and industrial - term	$	87,232	$	171,594	$	138,135	$	57,796	$	46,177	$	25,663	$	-	$	8,728	$	535,325
Commercial and industrial - lines of credit
Risk rating
Pass	$	5,658	$	31,000	$	4,340	$	5,801	$	364	$	707	$	286,326	$	-	$	334,196
OAEM		-		-		-		-		-		-		2,097		-		2,097
Substandard		-		-		-		-		-		-		12,250		-		12,250
Substandard non-performing		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Total Commercial and industrial - lines of credit	$	5,658	$	31,000	$	4,340	$	5,801	$	364	$	707	$	300,673	$	-	$	348,543

	Term Loans Amortized Cost Basis by Origination Year
													Revolving		Revolving
													loans		loans
(In thousands)													amortized		converted
March 31, 2020	2020		2019		2018		2017		2016		Prior		cost basis		to term		Total
Residential real estate - owner occupied
Risk rating
Pass	$	19,368	$	45,817	$	31,753	$	30,724	$	36,377	$	54,621	$	-	$	-	$	218,660
OAEM		-		-		-		-		-		-		-		-		-
Substandard		-		17		-		120		-		-		-		-		137
Substandard non-performing		-		-		147		102		38		137		-		-		424
Doubtful		-		-		-		-		-		-		-		-		-
Total Residential real estate - owner occupied	$	19,368	$	45,834	$	31,900	$	30,946	$	36,415	$	54,758	$	-	$	-	$	219,221
Residential real estate - non-owner occupied
Risk rating
Pass	$	14,437	$	35,602	$	39,848	$	15,136	$	12,311	$	15,609	$	-	$	-	$	132,943
OAEM		-		1,600		-		-		-		93		-		-		1,693
Substandard		-		-		32		-		-		-		-		-		32
Substandard non-performing		-		-		-		-		-		66		-		-		66
Doubtful		-		-		-		-		-		-		-		-		-
Total Residential real estate - non-owner occupied	$	14,437	$	37,202	$	39,880	$	15,136	$	12,311	$	15,768	$	-	$	-	$	134,734

	Term Loans Amortized Cost Basis by Origination Year
													Revolving		Revolving
													loans		loans
(In thousands)													amortized		converted
March 31, 2020	2020		2019		2018		2017		2016		Prior		cost basis		to term		Total
Construction and land development
Risk rating
Pass	$	27,232	$	108,954	$	65,166	$	27,259	$	6,479	$	2,865	$	6,202	$	1,883		246,040
OAEM		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Substandard non-performing		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Total Construction and land development	$	27,232	$	108,954	$	65,166	$	27,259	$	6,479	$	2,865	$	6,202	$	1,883	$	246,040

	Term Loans Amortized Cost Basis by Origination Year
													Revolving		Revolving
													loans		loans
(In thousands)													amortized		converted
March 31, 2020	2020		2019		2018		2017		2016		Prior		cost basis		to term		Total
Home equity lines of credit
Risk rating
Pass	$	-	$	-	$	-	$	-	$	-	$	-	$	107,121	$	-		107,121
OAEM		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Substandard non-performing		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Total Home equity lines of credit	$	-	$	-	$	-	$	-	$	-	$	-	$	107,121	$	-	$	107,121

	Term Loans Amortized Cost Basis by Origination Year
													Revolving		Revolving
													loans		loans
(In thousands)													amortized		converted
March 31, 2020	2020		2019		2018		2017		2016		Prior		cost basis		to term		Total
Consumer
Risk rating
Pass *	$	2,327	$	7,737	$	4,432	$	631	$	571	$	1,880	$	27,012	$	317	$	44,907
OAEM		-		-		-		-		-		-		-		-		-
Substandard		-		32		-		-		-		-		-		-		32
Substandard non-performing		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Total Consumer	$	2,327	$	7,769	$	4,432	$	631	$	571	$	1,880	$	27,012	$	317	$	44,939

	Term Loans Amortized Cost Basis by Origination Year
													Revolving		Revolving
													loans		loans
(In thousands)													amortized		converted
March 31, 2020	2020		2019		2018		2017		2016		Prior		cost basis		to term		Total
Leases
Risk rating
Pass	$	829	$	2,770	$	2,696	$	1,952	$	3,577	$	2,675	$	-	$	-	$	14,499
OAEM		-		-		38		-		-		10		-		-		48
Substandard		-		-		18		-		911		-		-		-		929
Substandard non-performing		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Total Consumer	$	829	$	2,770	$	2,752	$	1,952	$	4,488	$	2,685	$	-	$	-	$	15,476

	Term Loans Amortized Cost Basis by Origination Year
													Revolving		Revolving
													loans		loans
(In thousands)													amortized		converted
March 31, 2020	2020		2019		2018		2017		2016		Prior		cost basis		to term		Total
Credit cards - commercial
Risk rating
Pass	$	-	$	-	$	-	$	-	$	-	$	-	$	10,149	$	-	$	10,149
OAEM		-		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-		-
Substandard non-performing		-		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-		-
Total Consumer	$	-	$	-	$	-	$	-	$	—	$	-	$	10,149	$	-	$	10,149

	Term Loans Amortized Cost Basis by Origination Year
													Revolving		Revolving
													loans		loans
(In thousands)													amortized		converted
March 31, 2020	2020		2019		2018		2017		2016		Prior		cost basis		to term		Total
Total loans
Risk rating
Pass	$	303,728	$	726,876	$	522,630	$	321,948	$	262,866	$	266,702	$	459,811	$	19,352	$	2,883,913
OAEM		-		4,508		1,817		996		2,435		683		2,597		-		13,036
Substandard		4,480		13,427		4,068		271		1,241		445		12,250		-		36,182
Substandard non-performing		351		-		167		1,174		38		2,505		-		-		4,235
Doubtful		-		-		-		-		-		-		-		-		-
Total Consumer	$	308,559	$	744,811	$	528,682	$	324,389	$	266,580	$	270,335	$	474,658	$	19,352	$	2,937,366

(in thousands)							Substandard				Total
December 31, 2019	Pass		OAEM		Substandard		Non-performing		Doubtful		Loans
Commercial and industrial	$	840,105	$	704	$	21,500	$	8,202	$	—	$	870,511
Construction and development, excluding undeveloped land		213,822		—		—		—		—		213,822
Undeveloped land		46,360		—		—		—		—		46,360
Real estate mortgage:
Commercial investment		722,747		6,459		6,275		1,137		—		736,618
Owner occupied commercial		460,981		1,375		9,050		2,377		—		473,783
1-4 family residential		332,294		1,701		122		241		—		334,358
Home equity - first lien		48,620		—		—		—		—		48,620
Home equity - junior lien		73,273		—		17		187		—		73,477
Subtotal: Real estate mortgage		1,637,915		9,535		15,464		3,942		—		1,666,856
Consumer		47,429		—		38		—		—		47,467
Total	$	2,785,631	$	10,239	$	37,002	$	12,144	$	—	$	2,845,016

Financinng Receivable, Schedule of Payment Activity [Table Text Block]

	March, 31
(in thousands)	2020
Credit cards - commercial
Performing	$	10,149
Non-performing		—
Total Credit cards - commercial	$	10,149

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	March 31, 2020						December 31, 2019
			Specific		Additional				Specific		Additional
			reserve		commitment				reserve		commitment
(in thousands)	Balance		allocation		to lend		Balance		allocation		to lend
Commercial and industrial - term	$	20	$	20	$	—	$	21	$	21	$	—
Residential real estate		—		—		—		13		13		—
Consumer		32		32		—		—		—		—
Total TDRs	$	52	$	52	$	—	$	34	$	34	$	—

Schedule of Loans and Leases Receivable Rollforward of the Accretable Amount on PCI Loans [Table Text Block]

Three months ended March 31, (in thousands)	2019
Balance, beginning of period	$	(69	)
Transfers between non-accretable and accretable		—
Net accretion into interest income on loans, including loan fees		7
Balance, end of period	$	(62	)

King Bancorp Inc. [Member]

Notes Tables

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

	May 1, 2019
	Contractual		Non-accretable			Accretable			Acquisition-day
(in thousands)	receivable		amount			amount			fair value
Commercial and industrial	$	8,249	$	—		$	(23	)	$	8,226
Construction and land development		18,738		—			86			18,824
Real estate mortgage:
Commercial real estate		84,219		—			(456	)		83,763
Residential real estate		50,556		—			322			50,878
Home equity lines of credit		875		—			8			883
Subtotal: Real estate mortgage		135,650		—			(126	)		135,524
Consumer		1,528		—			(73	)		1,455
Total loans ASC 310-20		164,165		—			(136	)		164,029
Commercial and industrial		—		—			—			—
Construction and land development		—		—			—			—
Real estate mortgage:
Commercial real estate		1,351		(1,351	)		—			—
Residential real estate		228		(228	)		—			—
Home equity lines of credit		—		—			—			—
Subtotal: Real estate mortgage		1,579		(1,579	)		—			—
Consumer		—		—			—			—
Total loans ASC 310-30 purchased credit impaired loans		1,579		(1,579	)		—			—
Total loans	$	165,744	$	(1,579	)	$	(136	)	$	164,029