Note 5 - Credit Quality (Tables)

12 Months Ended

Dec. 31, 2022

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

	December 31, 2022
			Special
(Amounts in thousands)	Pass		Mention		Substandard		Doubtful		Loss		Total
Commercial loans
Construction, development, and other land	$	115,972	$	853	$	349	$	—	$	—	$	117,174
Commercial and industrial		147,543		920		1,965		—		—		150,428
Multi-family residential		143,859		3,946		221		—		—		148,026
Single family non-owner occupied		195,775		2,303		8,043		—		—		206,121
Non-farm, non-residential		761,154		14,903		11,646		—		—		787,703
Agricultural		11,722		47		263		—		—		12,032
Farmland		9,868		573		1,338		—		—		11,779
Consumer real estate loans
Home equity lines		72,927		288		2,427		—		—		75,642
Single family owner occupied		706,952		1,958		25,630		—		—		734,540
Owner occupied construction		10,204		—		162		—		—		10,366
Consumer and other loans
Consumer loans		141,551		11		3,020		—		—		144,582
Other		1,804		—		—		—		—		1,804
Total loans	$	2,319,331	$	25,802	$	55,064	$	—	$	—	$	2,400,197

	December 31, 2021
			Special
(Amounts in thousands)	Pass		Mention		Substandard		Doubtful		Loss		Total
Commercial loans
Construction, development, and other land	$	64,498	$	451	$	857	$	—	$	—	$	65,806
Commercial and industrial		128,770		1,005		3,855		—		—		133,630
Multi-family residential		98,457		1,090		855		—		—		100,402
Single family non-owner occupied		186,184		3,607		8,977		10		—		198,778
Non-farm, non-residential		665,559		25,624		16,323		—		—		707,506
Agricultural		8,758		70		513		—		—		9,341
Farmland		11,939		633		2,441		—		—		15,013
Consumer real estate loans
Home equity lines		76,259		426		3,172		—		—		79,857
Single family owner occupied		671,459		2,420		29,985		—		—		703,864
Owner occupied construction		16,629		—		281		—		—		16,910
Consumer and other loans
Consumer loans		127,514		16		2,264		—		—		129,794
Other		4,668		—		—		—		—		4,668
Total loans	$	2,060,694	$	35,342	$	69,523	$	10	$	-	$	2,165,569

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2022	2022		2021		2020		2019		2018		Prior		Revolving		Total
Construction, development
and other land
Pass	$	58,770	$	39,995	$	4,602	$	3,050	$	2,485	$	5,608	$	1,462	$	115,972
Special Mention		-		225		-		-		94		534		-		853
Substandard		-		-		267		71		11		-		-		349
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total construction, development, and other land	$	58,770	$	40,220	$	4,869	$	3,121	$	2,590	$	6,142	$	1,462	$	117,174
Commercial and industrial
Pass	$	69,678	$	23,746	$	12,047	$	7,729	$	9,121	$	8,890	$	16,332	$	147,543
Special Mention		227		20		21		367		185		1		99		920
Substandard		130		112		114		620		192		797		-		1,965
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total commercial and industrial	$	70,035	$	23,878	$	12,182	$	8,716	$	9,498	$	9,688	$	16,431	$	150,428
Multi-family residential
Pass	$	45,261	$	20,881	$	31,087	$	3,733	$	1,328	$	41,063	$	506	$	143,859
Special Mention		-		-		-		-		-		3,946		-		3,946
Substandard		-		-		-		-		-		221		-		221
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total multi-family residential	$	45,261	$	20,881	$	31,087	$	3,733	$	1,328	$	45,230	$	506	$	148,026
Non-farm, non-residential
Pass	$	218,595	$	145,675	$	114,840	$	52,575	$	35,564	$	185,448	$	8,457	$	761,154
Special Mention		-		1,927		852		1,193		2,708		8,076		147		14,903
Substandard		-		1,267		675		2,509		1,531		5,664		-		11,646
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total non-farm, non-residential	$	218,595	$	148,869	$	116,367	$	56,277	$	39,803	$	199,188	$	8,604	$	787,703
Agricultural
Pass	$	6,244	$	3,225	$	1,003	$	376	$	154	$	214	$	506	$	11,722
Special Mention		-		33		14		-		-		-		-		47
Substandard		124		37		1		66		24		11		-		263
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total agricultural	$	6,368	$	3,295	$	1,018	$	442	$	178	$	225	$	506	$	12,032
Farmland
Pass	$	646	$	713	$	796	$	77	$	869	$	6,150	$	617	$	9,868
Special Mention		-		109		-		-		222		242		-		573
Substandard		-		-		12		-		253		1,073		-		1,338
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total farmland	$	646	$	822	$	808	$	77	$	1,344	$	7,465	$	617	$	11,779

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2022	2022		2021		2020		2019		2018		Prior		Revolving		Total
Home equity lines
Pass	$	1,960	$	198	$	241	$	-	$	24	$	7,429	$	63,075	$	72,927
Special Mention		-		-		-		-		-		117		171		288
Substandard		-		-		27		35		114		1,253		998		2,427
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total home equity lines	$	1,960	$	198	$	268	$	35	$	138	$	8,799	$	64,244	$	75,642
Single family Mortgage
Pass	$	157,890	$	237,363	$	207,480	$	48,795	$	36,678	$	214,148	$	373	$	902,727
Special Mention		-		376		90		363		262		3,170		-		4,261
Substandard		461		1,196		740		1,217		1,991		28,068		-		33,673
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total single family owner and non-owner occupied	$	158,351	$	238,935	$	208,310	$	50,375	$	38,931	$	245,386	$	373	$	940,661
Owner occupied construction
Pass	$	6,357	$	3,344	$	-	$	23	$	11	$	469	$	-	$	10,204
Special Mention		-		-		-		-		-		-		-		-
Substandard		-		-		162		-		-		-		-		162
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total owner occupied construction	$	6,357	$	3,344	$	162	$	23	$	11	$	469	$	-	$	10,366
Consumer loans
Pass	$	69,579	$	37,603	$	16,033	$	7,640	$	2,528	$	2,040	$	7,932	$	143,355
Special Mention		-		5		-		6		-		-		-		11
Substandard		881		1,002		466		416		36		159		60		3,020
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total consumer loans	$	70,460	$	38,610	$	16,499	$	8,062	$	2,564	$	2,199	$	7,992	$	146,386

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2022	2022		2021		2020		2019		2018		Prior		Revolving		Total
Total Loans
Pass	$	634,980	$	512,743	$	388,129	$	123,998	$	88,762	$	471,459	$	99,260	$	2,319,331
Special Mention		227		2,695		977		1,929		3,471		16,086		417		25,802
Substandard		1,596		3,614		2,464		4,934		4,152		37,246		1,058		55,064
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total loans	$	636,803	$	519,052	$	391,570	$	130,861	$	96,385	$	524,791	$	100,735	$	2,400,197

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2021	2021		2020		2019		2018		2017		Prior		Revolving		Total
Construction, development
and other land
Pass	$	40,207	$	10,127	$	3,081	$	3,704	$	1,308	$	5,717	$	354	$	64,498
Special Mention		-		266		-		128		-		21		36		451
Substandard		-		-		128		11		291		427		-		857
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total construction, development, and other land	$	40,207	$	10,393	$	3,209	$	3,843	$	1,599	$	6,165	$	390	$	65,806
Commercial and industrial
Pass	$	34,539	$	18,887	$	13,679	$	13,772	$	4,817	$	5,890	$	16,544	$	108,128
Special Mention		32		60		597		192		28		-		96		1,005
Substandard		184		355		706		384		842		866		518		3,855
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total commercial and industrial	$	34,755	$	19,302	$	14,982	$	14,348	$	5,687	$	6,756	$	17,158	$	112,988
Paycheck Protection Loans
Pass	$	16,482	$	4,160	$	-	$	-	$	-	$	-	$	-	$	20,642
Special Mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total Paycheck Protection Loans	$	16,482	$	4,160	$	-	$	-	$	-	$	-	$	-	$	20,642
Multi-family residential
Pass	$	11,307	$	24,299	$	4,644	$	1,897	$	8,413	$	46,962	$	935	$	98,457
Special Mention		-		-		-		-		-		1,090		-		1,090
Substandard		-		-		-		-		-		855		-		855
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total multi-family residential	$	11,307	$	24,299	$	4,644	$	1,897	$	8,413	$	48,907	$	935	$	100,402
Non-farm, non-residential
Pass	$	147,978	$	146,381	$	62,651	$	50,943	$	43,776	$	199,812	$	14,018	$	665,559
Special Mention		397		3,334		823		2,595		9,190		9,135		150		25,624
Substandard		1,161		711		2,508		2,531		3,232		5,953		227		16,323
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total non-farm, non-residential	$	149,536	$	150,426	$	65,982	$	56,069	$	56,198	$	214,900	$	14,395	$	707,506
Agricultural
Pass	$	4,564	$	1,548	$	998	$	534	$	346	$	335	$	433	$	8,758
Special Mention		43		27		-		-		-		-		-		70
Substandard		44		11		282		39		17		120		-		513
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total agricultural	$	4,651	$	1,586	$	1,280	$	573	$	363	$	455	$	433	$	9,341
Farmland
Pass	$	428	$	1,047	$	82	$	1,125	$	887	$	6,835	$	1,535	$	11,939
Special Mention		189		-		-		240		5		199		-		633
Substandard		-		14		519		249		264		1,395		-		2,441
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total farmland	$	617	$	1,061	$	601	$	1,614	$	1,156	$	8,429	$	1,535	$	15,013

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2021	2022		2021		2020		2019		2018		Prior		Revolving		Total
Home equity lines
Pass	$	115	$	59	$	-	$	25	$	2	$	2,168	$	73,890	$	76,259
Special Mention		-		-		-		-		-		-		426		426
Substandard		-		-		28		249		128		1,316		1,451		3,172
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total home equity lines	$	115	$	59	$	28	$	274	$	130	$	3,484	$	75,767	$	79,857
Single family Mortgage
Pass	$	239,917	$	225,294	$	61,925	$	46,716	$	41,757	$	240,845	$	1,189	$	857,643
Special Mention		399		510		937		269		137		3,775		-		6,027
Substandard		1,213		799		1,475		1,668		1,878		31,929		-		38,962
Doubtful		-		-		-		-		-		10		-		10
Loss		-		-		-		-		-		-		-		-
Total single family owner and non-owner occupied	$	241,529	$	226,603	$	64,337	$	48,653	$	43,772	$	276,559	$	1,189	$	902,642
Owner occupied construction
Pass	$	9,689	$	4,729	$	178	$	22	$	428	$	1,583	$	-	$	16,629
Special Mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		281		-		281
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total owner occupied construction	$	9,689	$	4,729	$	178	$	22	$	428	$	1,864	$	-	$	16,910
Consumer loans
Pass	$	65,018	$	31,065	$	16,548	$	4,980	$	2,306	$	10,040	$	2,225	$	132,182
Special Mention		-		-		16		-		-		-		-		16
Substandard		328		663		824		107		78		186		78		2,264
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total consumer loans	$	65,346	$	31,728	$	17,388	$	5,087	$	2,384	$	10,226	$	2,303	$	134,462

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2021	2022		2021		2020		2019		2018		Prior		Revolving		Total
Total Loans
Pass	$	570,244	$	467,596	$	163,786	$	123,718	$	104,040	$	520,187	$	111,123	$	2,060,694
Special Mention		1,060		4,197		2,373		3,424		9,360		14,220		708		35,342
Substandard		2,930		2,553		6,470		5,238		6,730		43,328		2,274		69,523
Doubtful		-		-		-		-		-		10		-		10
Loss		-		-		-		-		-		-		-		-
Total loans	$	574,234	$	474,346	$	172,629	$	132,380	$	120,130	$	577,745	$	114,105	$	2,165,569

Financing Receivable, Nonaccrual [Table Text Block]

	December 31, 2022						December 31, 2021
(Amounts in thousands)	No Allowance		With an Allowance		Total		No Allowance		With an Allowance		Total
Commercial loans
Construction, development, and other land	$	31	$	—	$	31	$	409	$	—	$	409
Commercial and industrial		438		—		438		1,734		—		1,734
Multi-family residential		220		—		220		208		—		208
Single family non-owner occupied		984		—		984		2,304		—		2,304
Non-farm, non-residential		1,771		—		1,771		3,439		1,100		4,539
Agricultural		9		—		9		136		—		136
Farmland		133		—		133		222		—		222
Consumer real estate loans
Home equity lines		400		—		400		767		—		767
Single family owner occupied		8,228		589		8,817		8,957		—		8,957
Owner occupied construction		—		—		—		—		—		—
Consumer and other loans
Consumer loans		2,405		—		2,405		1,492		—		1,492
Total nonaccrual loans	$	14,619	$	589	$	15,208	$	19,668	$	1,100	$	20,768

Financing Receivable, Past Due [Table Text Block]

	December 31, 2022
													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	$	393	$	8	$	23	$	424	$	116,750	$	117,174	$	—
Commercial and industrial		756		129		217		1,102		149,326		150,428		—
Multi-family residential		—		—		83		83		147,943		148,026		—
Single family non-owner occupied		990		122		299		1,411		204,710		206,121		—
Non-farm, non-residential		646		52		548		1,246		786,457		787,703		—
Agricultural		36		135		9		180		11,852		12,032		—
Farmland		—		—		133		133		11,646		11,779		—
Consumer real estate loans
Home equity lines		519		115		262		896		74,746		75,642		—
Single family owner occupied		5,951		2,322		3,166		11,439		723,101		734,540		—
Owner occupied construction		—		—		—		—		10,366		10,366		—
Consumer and other loans
Consumer loans		4,282		1,960		1,459		7,701		136,881		144,582		—
Other		—		—		—		—		1,804		1,804		—
Total loans	$	13,573	$	4,843	$	6,199	$	24,615	$	2,375,582	$	2,400,197	$	—

	December 31, 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	$	52	$	—	$	120	$	172	$	65,634	$	65,806	$	—
Commercial and industrial		325		35		1,394		1,754		131,876		133,630		—
Multi-family residential		97		—		—		97		100,305		100,402		—
Single family non-owner occupied		1,210		583		795		2,588		196,190		198,778		—
Non-farm, non-residential		1,002		441		2,333		3,776		703,730		707,506		—
Agricultural		73		7		101		181		9,160		9,341		—
Farmland		52		—		222		274		14,739		15,013		—
Consumer real estate loans
Home equity lines		275		388		333		996		78,861		79,857		—
Single family owner occupied		4,740		2,584		3,880		11,204		692,660		703,864		—
Owner occupied construction		139		—		—		139		16,771		16,910		—
Consumer and other loans
Consumer loans		3,469		1,182		1,049		5,700		124,094		129,794		—
Other		—		—		—		—		4,668		4,668		—
Total loans	$	11,434	$	5,220	$	10,227	$	26,881	$	2,138,688	$	2,165,569	$	—

Collateral Dependent Loans [Table Text Block]

	December 31, 2022							December 31, 2021
(Amounts in thousands)	Balance		Collateral Coverage		Coverage Ratio			Balance		Collateral Coverage		Coverage Ratio
Commercial Real Estate
Hotel	$	-	$	-		-		$	-	$	-		-
Office		-		-		-			-		-		-
Other		-		-		-			2,216		2,312		104.33	%
Retail		-		-		-			-		-		-
Multi-Family
Industrial		-		-		-			-		-		-
Office		-		-		-			-		-		-
Other		-		-		-			-		-		-
Commercial and industrial
Industrial		-		-		-			-		-		-
Other		-		-		-			-		-		-
Home equity loans		-		-		-			-		-		-
Consumer owner occupied		589		574		97.45	%		-		-		-
Consumer		-		-		-			-		-		-
Total collateral dependent loans	$	589	$	574		97.45	%	$	2,216	$	2,312		104.33	%

Trouble Debt Restructuring Accrual Status [Table Text Block]

	December 31,
	2022						2021
(Amounts in thousands)	Nonaccrual(1)		Accruing		Total		Nonaccrual(1)		Accruing		Total
Commercial loans
Commercial and industrial	$	—	$	374	$	374	$	396	$	470	$	866
Single family non-owner occupied		142		838		980		857		1,100		1,957
Non-farm, non-residential		—		747		747		—		2,021		2,021
Consumer real estate loans
Home equity lines		—		55		55		—		67		67
Single family owner occupied		1,182		5,073		6,255		1,266		4,755		6,021
Owner occupied construction		—		—		—		—		212		212
Consumer and other loans
Consumer loans		—		25		25		—		27		27
Total TDRs	$	1,324	$	7,112	$	8,436	$	2,519	$	8,652	$	11,171
Allowance for credit losses related to TDRs					$	—					$	—

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

	Year Ended December 31,
	2022		2021		2020
(Amounts in thousands)
Interest income recognized	$	383	$	422	$	473

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	Year Ended December 31,
	2022						2021
(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	$	31	$	32		—	$	—	$	—
Below market interest rate and extended payment term
Single family non-owner occupied		—		—		—		1		165.00		165.00
Single family owner occupied		—		—		—		4		402		402
Total below market interest rate and extended payment term		—		—		—		5		567		567
Principal deferral
Single family non-owner occupied		—		—		—		1		753		753
Single family owner occupied		5		494		481		1		41		41
Total principal deferral		5		494		481		2		794		794
Total		6	$	525	$	513		7	$	1,361	$	1,361

Other Real Estate Owned [Table Text Block]

	December 31, 2022		December 31, 2021
(Amounts in thousands)
Total OREO	$	703	$	1,015
OREO secured by residential real estate	$	407	$	337
Residential real estate loans in the foreclosure process(1)	$	1,474	$	2,210