Note 4 - Credit Quality (Tables)

9 Months Ended

Sep. 30, 2021

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

	September 30, 2021
			Special
(Amounts in thousands)	Pass		Mention		Substandard		Doubtful		Loss		Total
Commercial loans
Construction, development, and other land	$	54,228	$	1,151	$	1,087	$	-	$	-	$	56,466
Commercial and industrial		127,972		1,270		4,681		-		-		133,923
Multi-family residential		92,782		6,115		1,547		-		-		100,444
Single family non-owner occupied		182,006		4,931		9,999		10		-		196,946
Non-farm, non-residential		653,550		39,020		19,291		-		-		711,861
Agricultural		9,006		149		629		-		-		9,784
Farmland		13,032		1,069		3,513		-		-		17,614
Consumer real estate loans
Home equity lines		78,975		1,049		3,055		-		-		83,079
Single family owner occupied		650,705		2,535		31,690		-		-		684,930
Owner occupied construction		25,268		-		283		-		-		25,551
Consumer and other loans
Consumer loans		124,805		17		1,756		-		-		126,578
Other		4,927		-		-		-		-		4,927
Total loans	$	2,017,256	$	57,306	$	77,531	$	10	$	-	$	2,152,103

	December 31, 2020
			Special
(Amounts in thousands)	Pass		Mention		Substandard		Doubtful		Loss		Total
Commercial loans
Construction, development, and other land	$	36,934	$	4,975	$	2,765	$	-	$	-	$	44,674
Commercial and industrial		160,625		7,065		5,519		-		-		173,209
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		91,712		1,488		3,326		-		-		96,526
Single family owner occupied		623,860		3,859		33,335		-		-		661,054
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 loans	$	1,912,637	$	165,994	$	107,989	$	12	$	-	$	2,186,632

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at September 30, 2021	2021		2020		2019		2018		2017		Prior		Revolving		Total
Construction, development
and other land
Pass	$	28,542	$	9,501	$	3,687	$	3,908	$	1,564	$	6,672	$	354	$	54,228
Special Mention		-		245		-		136		684		50		36		1,151
Substandard		-		-		129		11		281		666		-		1,087
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total construction, development, and other land	$	28,542	$	9,746	$	3,816	$	4,055	$	2,529	$	7,388	$	390	$	56,466
Commercial and industrial
Pass	$	23,780	$	21,186	$	15,178	$	15,115	$	5,599	$	3,641	$	16,543	$	101,042
Special Mention		32		165		653		209		86		30		95		1,270
Substandard		187		196		833		390		1,242		1,316		517		4,681
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total commercial and industrial	$	23,999	$	21,547	$	16,664	$	15,714	$	6,927	$	4,987	$	17,155	$	106,993
Paycheck Protection Loans
Pass	$	22,680	$	4,250	$	-	$	-	$	-	$	-	$	-	$	26,930
Special Mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total Paycheck Protection Loans	$	22,680	$	4,250	$	-	$	-	$	-	$	-	$	-	$	26,930
Multi-family residential
Pass	$	8,908	$	25,468	$	4,774	$	1,960	$	4,972	$	45,766	$	934	$	92,782
Special Mention		5		-		-		-		2,663		3,447		-		6,115
Substandard		-		-		-		-		680		867		-		1,547
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total multi-family residential	$	8,913	$	25,468	$	4,774	$	1,960	$	8,315	$	50,080	$	934	$	100,444
Non-farm, non-residential
Pass	$	102,761	$	149,981	$	64,144	$	62,563	$	56,696	$	203,387	$	14,018	$	653,550
Special Mention		386		3,351		852		2,778		9,276		22,227		150		39,020
Substandard		1,115		689		2,989		2,856		4,804		6,611		227		19,291
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total non-farm, non-residential	$	104,262	$	154,021	$	67,985	$	68,197	$	70,776	$	232,225	$	14,395	$	711,861
Agricultural
Pass	$	4,326	$	1,825	$	1,152	$	612	$	379	$	278	$	434	$	9,006
Special Mention		44		29		26		8		32		10		-		149
Substandard		43		11		373		47		22		133		-		629
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total agricultural	$	4,413	$	1,865	$	1,551	$	667	$	433	$	421	$	434	$	9,784
Farmland
Pass	$	632	$	1,073	$	86	$	1,158	$	508	$	8,041	$	1,534	$	13,032
Special Mention		20		-		-		262		409		378		-		1,069
Substandard		-		10		970		155		265		2,113		-		3,513
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total farmland	$	652	$	1,083	$	1,056	$	1,575	$	1,182	$	10,532	$	1,534	$	17,614

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at September 30, 2021	2021		2020		2019		2018		2017		Prior		Revolving		Total
Home equity lines
Pass	$	199	$	1	$	-	$	26	$	-	$	5,259	$	73,490	$	78,975
Special Mention		-		-		-		124		-		100		825		1,049
Substandard		-		-		26		136		108		1,334		1,451		3,055
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total home equity lines	$	199	$	1	$	26	$	286	$	108	$	6,693	$	75,766	$	83,079
Single family Mortgage
Pass	$	184,220	$	228,685	$	66,797	$	48,592	$	43,567	$	259,661	$	1,189	$	832,711
Special Mention		395		523		956		372		1,058		4,162		-		7,466
Substandard		1,461		632		1,586		2,472		2,396		33,142		-		41,689
Doubtful		-		-		-		-		-		10		-		10
Loss		-		-		-		-		-		-		-		-
Total single family owner and non-owner occupied	$	186,076	$	229,840	$	69,339	$	51,436	$	47,021	$	296,975	$	1,189	$	881,876
Owner occupied construction
Pass	$	6,327	$	12,978	$	2,350	$	1,448	$	316	$	1,849	$	-	$	25,268
Special Mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		283		-		283
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total owner occupied construction	$	6,327	$	12,978	$	2,350	$	1,448	$	316	$	2,132	$	-	$	25,551
Consumer loans
Pass	$	53,230	$	36,762	$	20,291	$	5,842	$	2,273	$	9,108	$	2,226	$	129,732
Special Mention		-		-		16		-		-		-		1		17
Substandard		99		409		866		77		83		144		78		1,756
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total consumer loans	$	53,329	$	37,171	$	21,173	$	5,919	$	2,356	$	9,252	$	2,305	$	131,505

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at September 30, 2021	2021		2020		2019		2018		2017		Prior		Revolving		Total
Total Loans
Pass	$	435,605	$	491,710	$	178,459	$	141,224	$	115,874	$	543,662	$	110,722	$	2,017,256
Special Mention		882		4,313		2,503		3,889		14,208		30,404		1,107		57,306
Substandard		2,905		1,947		7,772		6,144		9,881		46,609		2,273		77,531
Doubtful		-		-		-		-		-		10		-		10
Loss		-		-		-		-		-		-		-		-
Total loans	$	439,392	$	497,970	$	188,734	$	151,257	$	139,963	$	620,685	$	114,102	$	2,152,103

Impaired Financing Receivables [Table Text Block]

	December 31, 2020
			Unpaid
	Recorded		Principal		Related
(Amounts in thousands)	Investment		Balance		Allowance
Impaired loans with no related allowance
Commercial loans
Construction, development, and other land	$	616	$	891	$	-
Commercial and industrial		2,341		2,392		-
Multi-family residential		946		1,593		-
Single family non-owner occupied		4,816		5,785		-
Non-farm, non-residential		8,238		9,467		-
Agricultural		218		226		-
Farmland		1,228		1,311		-
Consumer real estate loans
Home equity lines		1,604		1,772		-
Single family owner occupied		16,778		19,361		-
Owner occupied construction		216		216		-
Consumer and other loans
Consumer loans		818		833		-
Total impaired loans with no allowance		37,819		43,847		-
Impaired loans with a related allowance
Commercial loans
Commercial and industrial		-		-		-
Multi-family residential		-		-		-
Single family non-owner occupied		-		-		-
Non-farm, non-residential		1,068		1,121		319
Farmland		-		-		-
Consumer real estate loans
Home equity lines		-		-		-
Single family owner occupied		338		338		108
Consumer and other loans
Consumer loans		-		-		-
Total impaired loans with an allowance		1,406		1,459		427
Total impaired loans(1)	$	39,225	$	45,306	$	427

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

	Three Months Ended September 30,				Nine Months Ended September 30,
	2020				2020
			Average				Average
	Interest Income		Recorded		Interest Income		Recorded
(Amounts in thousands)	Recognized		Investment		Recognized		Investment
Impaired loans with no related allowance:
Commercial loans
Construction, development, and other land	$	6	$	882	$	21	$	1,021
Commercial and industrial		46		3,315		135		2,845
Multi-family residential		9		967		38		685
Single family non-owner occupied		54		5,090		126		4,798
Non-farm, non-residential		79		7,786		206		7,115
Agricultural		4		272		7		247
Farmland		12		1,526		48		1,640
Consumer real estate loans
Home equity lines		13		1,588		29		1,569
Single family owner occupied		120		16,328		410		17,044
Owner occupied construction		2		542		12		470
Consumer and other loans
Consumer loans		8		420		19		445
Total impaired loans with no related allowance		353		38,716		1,051		37,879
Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land		-		-		-		-
Commercial and industrial		-		-		-		-
Multi-family residential		-		944		-		943
Single family non-owner occupied		-		-		-		-
Non-farm, non-residential		8		1,789		22		1,670
Farmland		-		-		-		-
Consumer real estate loans
Home equity lines		-		-		-		-
Single family owner occupied		3		1,423		27		1,480
Owner occupied construction		-		-		-		-
Total impaired loans with a related allowance		11		4,156		49		4,093
Total impaired loans	$	364	$	42,872	$	1,100	$	41,972

Financing Receivable, Nonaccrual [Table Text Block]

	September 30, 2021
(Amounts in thousands)	No Allowance		With an Allowance		Total
Commercial loans
Construction, development, and other land	$	385	$	-	$	385
Commercial and industrial		1,933		-		1,933
Multi-family residential		251		-		251
Single family non-owner occupied		2,759		-		2,759
Non-farm, non-residential		3,127		2,599		5,726
Agricultural		221		-		221
Farmland		222		-		222
Consumer real estate loans						-
Home equity lines		702		-		702
Single family owner occupied		9,086		-		9,086
Owner occupied construction		-		-		-
Consumer and other loans						-
Consumer loans		782		-		782
Total nonaccrual loans	$	19,468	$	2,599	$	22,067

(Amounts in thousands)	December 31, 2020
Commercial loans
Construction, development, and other land	$	244
Commercial and industrial		895
Multi-family residential		946
Single family non-owner occupied		2,990
Non-farm, non-residential		6,343
Agricultural		217
Farmland		489
Consumer real estate loans
Home equity lines		1,122
Single family owner occupied		7,976
Owner occupied construction		-
Consumer and other loans
Consumer loans		781
Total nonaccrual loans	$	22,003

Financing Receivable, Past Due [Table Text Block]

	September 30, 2021
													Amortized Cost of
	30 - 59 Days		60 - 89 Days		90+ Days		Total		Current		Total		> 90 Days Accruing
(Amounts in thousands)	Past Due		Past Due		Past Due		Past Due		Loans		Loans		No Allowance
Commercial loans
Construction, development, and other land	$	80	$	9	$	381	$	470	$	55,996	$	56,466	$	-
Commercial and industrial		534		197		1,309		2,040		131,883		133,923		-
Multi-family residential		-		98		35		133		100,311		100,444		-
Single family non-owner occupied		454		354		1,234		2,042		194,904		196,946		-
Non-farm, non-residential		1,199		1,577		2,430		5,206		706,655		711,861		-
Agricultural		31		19		181		231		9,553		9,784		-
Farmland		-		7		222		229		17,385		17,614		-
Consumer real estate loans
Home equity lines		555		87		452		1,094		81,985		83,079		-
Single family owner occupied		4,137		1,584		3,694		9,415		675,515		684,930		-
Owner occupied construction		-		-		-		-		25,551		25,551		-
Consumer and other loans
Consumer loans		2,753		761		363		3,877		122,701		126,578		5
Other		-		-		-		-		4,927		4,927		-
Total loans	$	9,743	$	4,693	$	10,301	$	24,737	$	2,127,366	$	2,152,103	$	5

	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
Commercial loans
Construction, development, and other land	$	1,039	$	-	$	235	$	1,274	$	43,400	$	44,674
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		184,226		187,783
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		649		380		425		1,454		95,072		96,526
Single family owner occupied		5,317		2,265		3,891		11,473		649,581		661,054
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 loans	$	12,135	$	4,594	$	12,905	$	29,634	$	2,156,998	$	2,186,632

Collateral Dependent Loans [Table Text Block]

		September 30, 2021
(Amounts in thousands)	Balance		Collateral Coverage		%
Commercial Real Estate
Hotel	$	-	$	-		-
Office		-		-		-
Other		2,769		2,769		100.00	%
Retail		-		-		-
Multi-Family
Industrial		-		-		-
Office		-		-		-
Other		-		-		-
Commercial and industrial
Industrial		-		-		-
Other		-		-		-
Home equity loans		40		40		100.00	%
Consumer owner occupied		183		183		100.00	%
Consumer		-		-		-
Total collateral dependent loans	$	2,992	$	2,992		100.00	%

Trouble Debt Restructuring Accrual Status [Table Text Block]

	September 30, 2021						December 31, 2020
(Amounts in thousands)	Nonaccrual(1)		Accruing		Total		Nonaccrual(1)		Accruing		Total
Commercial loans
Construction, development, and other land	$	-	$	213	$	213	$	-	$	-	$	-
Commercial and industrial		405		495		900		-		1,326		1,326
Single family non-owner occupied		871		356		1,227		1,585		1,265		2,850
Non-farm, non-residential		1,369		2,049		3,418		-		2,407		2,407
Consumer real estate loans
Home equity lines		-		69		69		-		77		77
Single family owner occupied		959		4,975		5,934		229		4,927		5,156
Owner occupied construction		-		-		-		-		216		216
Consumer and other loans
Consumer loans		-		28		28		-		30		30
Total TDRs	$	3,604	$	8,185	$	11,789	$	1,814	$	10,248	$	12,062
Allowance for credit losses related to TDRs					$	154					$	-

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

	Three Months Ended September 30,				Nine Months Ended September 30,
	2021		2020		2021		2020
(Amounts in thousands)
Interest income recognized	$	92	$	122	$	290	$	372

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	Three Months Ended September 30,
	2021						2020
					Post-modification						Post-modification
	Total		Pre-modification		Recorded		Total		Pre-modification		Recorded
(Amounts in thousands)	Contracts		Recorded Investment		Investment(1)		Contracts		Recorded Investment		Investment(1)
Below market interest rate and extended payment term
Single family non-owner occupied		-		-		-		-		-		-
Single family owner occupied		2		302		283		-		-		-
Total below market interest rate and extended payment term		2		302		283		-		-		-
Payment deferral
Construction, development, and other land		-		-		-		-		-		-
Commercial and industrial		-		-		-		-		-		-
Single family non-owner occupied		-		-		-		-		-		-
Non-farm, non-residential		-		-		-		-		-		-
Single family owner occupied		-		-		-		-		-		-
Total principal deferral		-		-		-		-		-		-
Total		2	$	302	$	283		-	$	-	$	-

	Nine Months Ended September 30,
	2021						2020
					Post-modification						Post-modification
	Total		Pre-modification		Recorded		Total		Pre-modification		Recorded
(Amounts in thousands)	Contracts		Recorded Investment		Investment(1)		Contracts		Recorded Investment		Investment(1)
Below market interest rate Single family non-owner occupied		-		-		-		1	$	50	$	50
Total below market interest rate		-		-		-		1		50		50
Below market interest rate and extended payment term
Single family non-owner occupied		-		-		-		-		-		-
Single family owner occupied		2		302		283		-		-		-
Total below market interest rate and extended payment term		2		302		283		-		-		-
Payment deferral
Construction, development, and other land		-		-		-		1		63		63
Commercial and industrial		-		-		-		3		1,708		1,708
Single family non-owner occupied		-		-		-		1		529		529
Non-farm, non-residential		1		1,390		1,368		3		2,115		2,115
Single family owner occupied		-		-		-		3		742		726
Home equity lines		-		-		-		-		-		-
Total principal deferral		1		1,390		1,368		11		5,157		5,141
Total		3	$	1,692	$	1,651		12	$	5,207	$	5,191

Other Real Estate Owned [Table Text Block]

	September 30, 2021		December 31, 2020
(Amounts in thousands)
OREO	$	1,240	$	2,083
OREO secured by residential real estate	$	540	$	769
Residential real estate loans in the foreclosure process(1)	$	3,114	$	4,141