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Note 5 - Credit Quality (Tables)

12 Months Ended

Dec. 31, 2019

Financing Receivable Credit Quality Indicators [Table Text Block]

	December 31, 2019
			Special
(Amounts in thousands)	Pass		Mention		Substandard		Doubtful		Loss		Total
Non-covered loans
Commercial loans
Construction, development, and other land	$	45,781	$	2,079	$	799	$	-	$	-	$	48,659
Commercial and industrial		135,651		4,327		2,984		-		-		142,962
Multi-family residential		118,045		2,468		1,327		-		-		121,840
Single family non-owner occupied		149,916		7,489		5,776		-		-		163,181
Non-farm, non-residential		683,481		27,160		16,620		-		-		727,261
Agricultural		11,299		122		335		-		-		11,756
Farmland		17,609		4,107		1,439		-		-		23,155
Consumer real estate loans
Home equity lines		106,246		2,014		1,818		-		-		110,078
Single family owner occupied		580,580		17,001		23,116		-		-		620,697
Owner occupied construction		16,341		179		721		-		-		17,241
Consumer and other loans
Consumer loans		108,065		1,341		621		-		-		110,027
Other		4,742		-		-		-		-		4,742
Total non-covered loans		1,977,756		68,287		55,556		-		-		2,101,599
Covered loans
Commercial loans
Construction, development, and other land		-		28		-		-		-		28
Single family non-owner occupied		199		-		-		-		-		199
Non-farm, non-residential		-		-		3		-		-		3
Consumer real estate loans
Home equity lines		7,177		2,327		349		-		-		9,853
Single family owner occupied		2,111		275		392		-		-		2,778
Total covered loans		9,487		2,630		744		-		-		12,861
Total loans	$	1,987,243	$	70,917	$	56,300	$	-	$	-	$	2,114,460

	December 31, 2018
			Special
(Amounts in thousands)	Pass		Mention		Substandard		Doubtful		Loss		Total
Non-covered loans
Commercial loans
Construction, development, and other land	$	61,877	$	661	$	970	$	-	$	-	$	63,508
Commercial and industrial		102,044		2,166		653		-		-		104,863
Multi-family residential		104,183		1,087		1,742		-		-		107,012
Single family non-owner occupied		131,443		4,395		4,259		-		-		140,097
Non-farm, non-residential		595,659		8,166		9,906		146		-		613,877
Agricultural		8,328		131		86		-		-		8,545
Farmland		16,898		538		1,469		-		-		18,905
Consumer real estate loans
Home equity lines		91,194		649		1,623		-		-		93,466
Single family owner occupied		482,794		4,355		23,814		-		-		510,963
Owner occupied construction		17,872		-		299		-		-		18,171
Consumer and other loans
Consumer loans		71,240		4		308		-		-		71,552
Other		5,310		-		-		-		-		5,310
Total non-covered loans		1,688,842		22,152		45,129		146		-		1,756,269
Covered loans
Commercial loans
Construction, development, and other land		-		35		-		-		-		35
Single family non-owner occupied		223		-		15		-		-		238
Non-farm, non-residential		-		-		6		-		-		6
Consumer real estate loans
Home equity lines		9,511		5,244		529		-		-		15,284
Single family owner occupied		2,507		355		390		-		-		3,252
Total covered loans		12,241		5,634		940		-		-		18,815
Total loans	$	1,701,083	$	27,786	$	46,069	$	146	$	-	$	1,775,084

Impaired Financing Receivables [Table Text Block]

	December 31, 2019						December 31, 2018
			Unpaid						Unpaid
	Recorded		Principal		Related		Recorded		Principal		Related
(Amounts in thousands)	Investment		Balance		Allowance		Investment		Balance		Allowance
Impaired loans with no related allowance
Commercial loans
Construction, development, and other land	$	552	$	768	$	-	$	824	$	840	$	-
Commercial and industrial		576		599		-		386		416		-
Multi-family residential		1,254		1,661		-		1,127		1,274		-
Single family non-owner occupied		2,652		3,176		-		2,761		3,095		-
Non-farm, non-residential		4,158		4,762		-		4,154		4,494		-
Agricultural		158		164		-		86		96		-
Farmland		1,437		1,500		-		1,464		1,547		-
Consumer real estate loans
Home equity lines		1,372		1,477		-		1,315		1,451		-
Single family owner occupied		15,588		17,835		-		15,451		18,390		-
Owner occupied construction		648		648		-		225		225		-
Consumer and other loans
Consumer loans		290		294		-		145		156		-
Total impaired loans with no allowance		28,685		32,884		-		27,938		31,984		-

Impaired loans with a related allowance
Commercial loans
Multi-family residential		-		-		-		534		536		230
Non-farm, non-residential		1,241		1,227		292		840		842		235
Consumer real estate loans
Home equity lines		-		-		-		65		68		65
Single family owner occupied		1,246		1,246		353		3,631		3,683		922
Total impaired loans with an allowance		2,487		2,473		645		5,070		5,129		1,452
Total impaired loans (1)	$	31,172	$	35,357	$	645	$	33,008	$	37,113	$	1,452

Schedule of Impaired Financing Receivable, Average Recorded Investment and Interest Income Recognized [Table Text Block]

	Year Ended December 31,
	2019				2018				2017
(Amounts in thousands)	Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment
Impaired loans with no related allowance:
Commercial loans
Construction, development, and other land	$	22	$	704	$	26	$	921	$	56	$	455
Commercial and industrial		34		363		19		383		14		556
Multi-family residential		24		1,356		47		910		53		523
Single family non-owner occupied		123		2,979		123		2,652		106		3,214
Non-farm, non-residential		123		4,683		133		4,828		122		4,052
Agricultural		9		121		-		164		5		124
Farmland		55		1,469		64		1,172		17		853
Consumer real estate loans
Home equity lines		46		1,439		44		1,637		50		1,365
Single family owner occupied		599		16,058		503		15,423		488		15,758
Owner occupied construction		29		308		8		244		8		234
Consumer and other loans
Consumer loans		13		213		9		161		9		75
Total impaired loans with no related allowance		1,077		29,693		976		28,495		928		27,209

Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land		-		-		-		-		-		107
Commercial and industrial		-		-		-		-		103		1,376
Multi-family residential		-		-		2		270		-		-
Single family non-owner occupied		-		-		7		110		27		479
Non-farm, non-residential		48		766		2		809		15		789
Farmland		-		-		-		307		22		442
Consumer real estate loans
Home equity lines		-		-		3		68		-		104
Single family owner occupied		46		1,947		158		5,296		161		4,805
Total impaired loans with a related allowance		94		2,713		172		6,860		328		8,102
Total impaired loans	$	1,171	$	32,406	$	1,148	$	35,355	$	1,256	$	35,311

Impaired Financing Receivables, Summarized Information [Table Text Block]

	Year Ended December 31,
	2019		2018		2017
(Amounts in thousands)
Interest income recognized	$	-	$	-	$	20
Average recorded investment		-		-		528

Financing Receivable, Nonaccrual [Table Text Block]

	December 31, 2019						December 31, 2018
(Amounts in thousands)	Non-covered		Covered		Total		Non-covered		Covered		Total
Commercial loans
Construction, development, and other land	$	211	$	-	$	211	$	413	$	-	$	413
Commercial and industrial		530		-		530		428		-		428
Multi-family residential		1,144		-		1,144		1,395		-		1,395
Single family non-owner occupied		1,286		-		1,286		1,696		15		1,711
Non-farm, non-residential		3,400		-		3,400		4,020		-		4,020
Agricultural		158		-		158		86		-		86
Farmland		713		-		713		711		-		711
Consumer real estate loans
Home equity lines		753		220		973		614		271		885
Single family owner occupied		7,259		24		7,283		10,141		36		10,177
Owner occupied construction		428		-		428		-		-		-
Consumer and other loans
Consumer loans		231		-		231		79		-		79
Total nonaccrual loans	$	16,113	$	244	$	16,357	$	19,583	$	322	$	19,905

Financing Receivable, Past Due [Table Text Block]

	December 31, 2019
	30 - 59 Days		60 - 89 Days		90+ Days		Total		Current		Total
(Amounts in thousands)	Past Due		Past Due		Past Due		Past Due		Loans		Loans
Non-covered loans
Commercial loans
Construction, development, and other land	$	63	$	65	$	211	$	339	$	48,320	$	48,659
Commercial and industrial		1,913		238		507		2,658		140,304		142,962
Multi-family residential		375		-		1,144		1,519		120,321		121,840
Single family non-owner occupied		754		267		661		1,682		161,499		163,181
Non-farm, non-residential		917		1,949		3,027		5,893		721,368		727,261
Agricultural		86		164		-		250		11,506		11,756
Farmland		856		349		664		1,869		21,286		23,155
Consumer real estate loans
Home equity lines		1,436		165		503		2,104		107,974		110,078
Single family owner occupied		7,728		2,390		3,766		13,884		606,813		620,697
Owner occupied construction		207		-		428		635		16,606		17,241
Consumer and other loans
Consumer loans		1,735		439		202		2,376		107,651		110,027
Other		22		-		-		22		4,720		4,742
Total non-covered loans		16,092		6,026		11,113		33,231		2,068,368		2,101,599
Covered loans
Commercial loans
Construction, development, and other land		-		-		-		-		28		28
Single family non-owner occupied		-		-		-		-		199		199
Non-farm, non-residential		-		-		-		-		3		3
Consumer real estate loans
Home equity lines		144		28		-		172		9,681		9,853
Single family owner occupied		-		50		-		50		2,728		2,778
Total covered loans		144		78		-		222		12,639		12,861
Total loans	$	16,236	$	6,104	$	11,113	$	33,453	$	2,081,007	$	2,114,460

	December 31, 2018
	30 - 59 Days		60 - 89 Days		90+ Days		Total		Current		Total
(Amounts in thousands)	Past Due		Past Due		Past Due		Past Due		Loans		Loans
Non-covered loans
Commercial loans
Construction, development, and other land	$	111	$	-	$	407	$	518	$	62,990	$	63,508
Commercial and industrial		306		-		262		568		104,295		104,863
Multi-family residential		113		-		1,274		1,387		105,625		107,012
Single family non-owner occupied		514		1,115		992		2,621		137,476		140,097
Non-farm, non-residential		1,332		540		2,398		4,270		609,607		613,877
Agricultural		109		-		-		109		8,436		8,545
Farmland		640		-		392		1,032		17,873		18,905
Consumer real estate loans
Home equity lines		408		209		334		951		92,515		93,466
Single family owner occupied		5,006		3,495		4,445		12,946		498,017		510,963
Owner occupied construction		-		-		-		-		18,171		18,171
Consumer and other loans
Consumer loans		507		200		59		766		70,786		71,552
Other		-		-		-		-		5,310		5,310
Total non-covered loans		9,046		5,559		10,563		25,168		1,731,101		1,756,269
Covered loans
Commercial loans
Construction, development, and other land		-		-		-		-		35		35
Single family non-owner occupied		15		-		-		15		223		238
Non-farm, non-residential		-		-		-		-		6		6
Consumer real estate loans
Home equity lines		176		38		91		305		14,979		15,284
Single family owner occupied		166		-		-		166		3,086		3,252
Total covered loans		357		38		91		486		18,329		18,815
Total loans	$	9,403	$	5,597	$	10,654	$	25,654	$	1,749,430	$	1,775,084

Trouble Debt Restructuring Accrual Status [Table Text Block]

	December 31,
	2019						2018
(Amounts in thousands)	Nonaccrual (1)		Accruing		Total		Nonaccrual (1)		Accruing		Total
Commercial loans
Single family non-owner occupied	$	552	$	595	$	1,147	$	640	$	309	$	949
Non-farm, non-residential		-		307		307		-		314		314
Consumer real estate loans
Home equity lines		-		115		115		-		127		127
Single family owner occupied		1,790		5,305		7,095		1,941		5,417		7,358
Owner occupied construction		-		221		221		-		225		225
Consumer and other loans
Consumer loans		-		32		32		-		35		35
Total TDRs	$	2,342	$	6,575	$	8,917	$	2,581	$	6,427	$	9,008

Allowance for loan losses related to TDRs					$	353					$	568

Interest Income Related to Troubled Debt Restructurings [Table Text Block]

	Year Ended December 31,
	2019		2018		2017
(Amounts in thousands)
Interest income recognized	$	277	$	264	$	222

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	Year Ended December 31,
	2019						2018
(Amounts in thousands)	Total Contracts		Pre-modification Recorded Investment		Post-modification Recorded Investment (1)		Total Contracts		Pre-modification Recorded Investment		Post-modification Recorded Investment (1)
Below market interest rate
Single family owner occupied		-	$	-	$	-		1	$	11	$	11
Below market interest rate and extended payment term
Single family owner occupied		6		887		871		1		41		41
Principal deferral
Home equity		1		5		2
Single family owner occupied		3		331		279		-		-		-
Total principal deferral		4		336		281		-		-		-
Total		10	$	1,223	$	1,152		2	$	52	$	52

	Year Ended December 31,
	2019				2018
	Total		Recorded		Total		Recorded
	Contracts		Investment		Contracts		Investment
(Amounts in thousands)
Single family owner occupied		-	$	-		1	$	521
Total		-	$	-		1	$	521

Other Real Estate Owned [Table Text Block]

	December 31, 2019		December 31, 2018
(Amounts in thousands)
Non-covered OREO	$	3,969	$	3,806
Covered OREO		-		32
Total OREO	$	3,969	$	3,838

Non-covered OREO secured by residential real estate	$	2,232	$	2,303
Residential real estate loans in the foreclosure process (1)		1,539		6,349