Note 5 - Credit Quality (Tables)

12 Months Ended

Dec. 31, 2020

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

	December 31, 2020
			Special
(Amounts in thousands)	Pass		Mention		Substandard		Doubtful		Loss		Total
Non-covered loans
Commercial loans
Construction, development, and other land	$	36,934	$	4,950	$	2,765	$	—	$	—	$	44,649
Commercial and industrial		160,474		7,031		5,519		—		—		173,024
Multi-family residential		103,291		8,586		3,284		—		—		115,161
Single family non-owner occupied		165,146		9,602		12,838		12		—		187,598
Non-farm, non-residential		568,438		125,907		40,448		—		—		734,793
Agricultural		7,724		1,686		339		—		—		9,749
Farmland		13,527		2,597		3,637		—		—		19,761
Consumer real estate loans												—
Home equity lines		85,316		1,112		3,004		—		—		89,432
Single family owner occupied		622,082		3,594		33,002		—		—		658,678
Owner occupied construction		17,232		201		287		—		—		17,720
Consumer and other loans												—
Consumer loans		118,134		28		2,211		—		—		120,373
Other		6,014		—		—		—		—		6,014
Total non-covered loans		1,904,312		165,294		107,334		12		—		2,176,952
Covered loans
Commercial loans
Construction, development, and other land		—		25		—		—		—		25
Single family non-owner occupied		151		34		—		—		—		185
Consumer real estate loans
Home equity lines		6,396		376		322		—		—		7,094
Single family owner occupied		1,778		265		333		—		—		2,376
Total covered loans		8,325		700		655		—		—		9,680
Total loans	$	1,912,637	$	165,994	$	107,989	$	12	$	—	$	2,186,632

	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

Impaired Financing Receivables [Table Text Block]

	December 31, 2020						December 31, 2019
			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	$	616	$	891	$	—	$	552	$	768	$	—
Commercial and industrial		2,341		2,392		—		576		599		—
Multi-family residential		946		1,593		—		1,254		1,661		—
Single family non-owner occupied		4,816		5,785		—		2,652		3,176		—
Non-farm, non-residential		8,238		9,467		—		4,158		4,762		—
Agricultural		218		226		—		158		164		—
Farmland		1,228		1,311		—		1,437		1,500		—
Consumer real estate loans
Home equity lines		1,604		1,772		—		1,372		1,477		—
Single family owner occupied		16,778		19,361		—		15,588		17,835		—
Owner occupied construction		216		216		—		648		648		—
Consumer and other loans
Consumer loans		818		833		—		290		294		—
Total impaired loans with no allowance		37,819		43,847		—		28,685		32,884		—
Impaired loans with a related allowance
Commercial loans
Non-farm, non-residential		1,068		1,121		319		1,241		1,227		292
Consumer real estate loans
Single family owner occupied		338		338		108		1,246		1,246		353
Total impaired loans with an allowance		1,406		1,459		427		2,487		2,473		645
Total impaired loans(1)	$	39,225	$	45,306	$	427	$	31,172	$	35,357	$	645

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

	Year Ended December 31,
	2020				2019				2018
(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	$	25	$	935	$	22	$	704	$	26	$	921
Commercial and industrial		155		2,749		34		363		19		383
Multi-family residential		19		808		24		1,356		47		910
Single family non-owner occupied		189		4,890		123		2,979		123		2,652
Non-farm, non-residential		295		7,450		123		4,683		133		4,828
Agricultural		9		241		9		121		—		164
Farmland		63		1,569		55		1,469		64		1,172
Consumer real estate loans
Home equity lines		51		1,594		46		1,439		44		1,637
Single family owner occupied		578		17,044		599		16,058		503		15,423
Owner occupied construction		10		407		29		308		8		244
Consumer and other loans
Consumer loans		42		543		13		213		9		161
Total impaired loans with no related allowance		1,436		38,230		1,077		29,693		976		28,495
Impaired loans with a related allowance:
Commercial loans
Multi-family residential		—		707		—		—		2		270
Single family non-owner occupied		—		—		—		—		7		110
Non-farm, non-residential		17		1,524		48		766		2		809
Farmland		—		—		—		—		—		307
Consumer real estate loans
Home equity lines		—		—		—		—		3		68
Single family owner occupied		29		1,196		46		1,947		158		5,296
Total impaired loans with a related allowance		46		3,427		94		2,713		172		6,860
Total impaired loans	$	1,482	$	41,657	$	1,171	$	32,406	$	1,148	$	35,355

Financing Receivable, Nonaccrual [Table Text Block]

	December 31, 2020						December 31, 2019
(Amounts in thousands)	Non-covered		Covered		Total		Non-covered		Covered		Total
Commercial loans
Construction, development, and other land	$	244	$	—	$	244	$	211	$	—	$	211
Commercial and industrial		895		—		895		530		—		530
Multi-family residential		946		—		946		1,144		—		1,144
Single family non-owner occupied		2,990		—		2,990		1,286		—		1,286
Non-farm, non-residential		6,343		—		6,343		3,400		—		3,400
Agricultural		217		—		217		158		—		158
Farmland		489		—		489		713		—		713
Consumer real estate loans
Home equity lines		841		281		1,122		753		220		973
Single family owner occupied		7,960		16		7,976		7,259		24		7,283
Owner occupied construction		—		—		—		428		—		428
Consumer and other loans
Consumer loans		781		—		781		231		—		231
Total nonaccrual loans	$	21,706	$	297	$	22,003	$	16,113	$	244	$	16,357

Financing Receivable, Past Due [Table Text Block]

	December 31, 2020
	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	$	1,039	$	—	$	235	$	1,274	$	43,375	$	44,649
Commercial and industrial		669		230		700		1,599		171,425		173,024
Multi-family residential		103		—		946		1,049		114,112		115,161
Single family non-owner occupied		925		488		2,144		3,557		184,041		187,598
Non-farm, non-residential		601		296		3,368		4,265		730,528		734,793
Agricultural		70		189		88		347		9,402		9,749
Farmland		43		—		457		500		19,261		19,761
Consumer real estate loans
Home equity lines		574		380		171		1,125		88,307		89,432
Single family owner occupied		5,283		2,265		3,891		11,439		647,239		658,678
Owner occupied construction		82		—		—		82		17,638		17,720
Consumer and other loans
Consumer loans		2,637		746		651		4,034		116,339		120,373
Other		—		—		—		—		6,014		6,014
Total non-covered loans		12,026		4,594		12,651		29,271		2,147,681		2,176,952
Covered loans
Commercial loans
Construction, development, and other land		—		—		—		—		25		25
Single family non-owner occupied		—		—		—		—		185		185
Consumer real estate loans
Home equity lines		75		—		254		329		6,765		7,094
Single family owner occupied		34		—		—		34		2,342		2,376
Total covered loans		109		—		254		363		9,317		9,680
Total loans	$	12,135	$	4,594	$	12,905	$	29,634	$	2,156,998	$	2,186,632

	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

Trouble Debt Restructuring Accrual Status [Table Text Block]

	December 31,
	2020						2019
(Amounts in thousands)	Nonaccrual(1)		Accruing		Total		Nonaccrual(1)		Accruing		Total
Commercial loans
Commercial and industrial	$	—	$	1,326	$	1,326	$	—	$	—	$	—
Single family non-owner occupied		1,585		1,265		2,850		552		595		1,147
Non-farm, non-residential		—		2,407		2,407		—		307		307
Consumer real estate loans
Home equity lines		—		77		77		—		115		115
Single family owner occupied		229		4,927		5,156		1,790		5,305		7,095
Owner occupied construction		—		216		216		—		221		221
Consumer and other loans
Consumer loans		—		30		30		—		32		32
Total TDRs	$	1,814	$	10,248	$	12,062	$	2,342	$	6,575	$	8,917
Allowance for loan losses related to TDRs					$	—					$	353

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

	Year Ended December 31,
	2020		2019		2018
(Amounts in thousands)
Interest income recognized	$	473	$	277	$	264

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	Year Ended December 31,
	2020						2019
(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	$	50	$	50		—	$	—	$	—
Below market interest rate and extended payment term
Single family owner occupied		—		—		—		6		887		871
Principal deferral
Construction, development, and other land development		3		1,708		1,708		—		—		—
Non-farm, non-residential		3		2,115		2,115		—		—		—
Home equity		—		—		—		1		5		2
Single family owner occupied		5		1,085		1,054		3		331		279
Total principal deferral		11		4,908		4,877		4		336		281
Total		12	$	4,958	$	4,927		10	$	1,223	$	1,152

	Year Ended December 31,
	2020				2019
	Total		Recorded		Total		Recorded
	Contracts		Investment		Contracts		Investment
(Amounts in thousands)
Single family owner occupied		1	$	53		—	$	—
Total		1	$	53		—	$	—

Other Real Estate Owned [Table Text Block]

	December 31, 2020		December 31, 2019
(Amounts in thousands)
Non-covered OREO	$	2,083	$	3,969
Total OREO	$	2,083	$	3,969
Non-covered OREO secured by residential real estate	$	769	$	2,232
Residential real estate loans in the foreclosure process(1)		4,141		1,539