Note 3 - Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2020

Notes Tables

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

	December 31, 2020					December 31, 2019					Percent Increase
	Balance		%			Balance		%			(Decrease)
Commercial:
Commercial and industrial (1)	$	1,145,423,000		35.6	%	$	846,551,000		29.6	%		35.3	%
Vacant land, land development, and residential construction		55,055,000		1.7			56,119,000		2.0			(1.9	)
Real estate – owner occupied		529,953,000		16.5			579,003,000		20.3			(8.5	)
Real estate – non-owner occupied		917,436,000		28.5			835,346,000		29.2			9.8
Real estate – multi-family and residential rental		146,095,000		4.6			124,525,000		4.4			17.3
Total commercial		2,793,962,000		86.9			2,441,544,000		85.5			14.4
Retail:
Home equity and other		61,620,000		1.9			75,374,000		2.6			(18.2	)
1-4 family mortgages		360,776,000		11.2			339,749,000		11.9			6.2
Total retail		422,396,000		13.1			415,123,000		14.5			1.8
Total loans	$	3,216,358,000		100.0	%	$	2,856,667,000		100.0	%		12.6	%

Concentrations Within Loan Portfolio [Table Text Block]

	2020					2019
			Percentage of					Percentage of
	Balance		Loan Portfolio			Balance		Loan Portfolio
Commercial real estate loans to lessors of non-residential buildings	$	649,162,000		20.2	%	$	580,708,000		20.3	%

Financing Receivable, Nonaccrual [Table Text Block]

	2020		2019
Loans past due 90 days or more still accruing interest	$	0	$	0
Nonaccrual loans		3,384,000		2,284,000
Total nonperforming loans	$	3,384,000	$	2,284,000

	December 31, 2020		December 31, 2019
Commercial:
Commercial and industrial	$	172,000	$	0
Vacant land, land development, and residential construction		0		0
Real estate – owner occupied		619,000		134,000
Real estate – non-owner occupied		22,000		0
Real estate – multi-family and residential rental		0		2,000
Total commercial		813,000		136,000
Retail:
Home equity and other		242,000		255,000
1-4 family mortgages		2,329,000		1,893,000
Total retail		2,571,000		2,148,000
Total nonperforming loans	$	3,384,000	$	2,284,000

Financing Receivable, Past Due [Table Text Block]

	30 – 59 Days Past Due		60 – 89 Days Past Due		Greater Than 89 Days Past Due		Total Past Due		Current		Total Loans		Recorded Balance > 89 Days and Accruing
Commercial:
Commercial and industrial	$	261,000	$	172,000	$	0	$	433,000	$	1,144,990,000	$	1,145,423,000	$	0
Vacant land, land development, and residential construction		0		0		0		0		55,055,000		55,055,000		0
Real estate – owner occupied		0		197,000		421,000		618,000		529,335,000		529,953,000		0
Real estate – non-owner occupied		0		0		23,000		23,000		917,413,000		917,436,000		0
Real estate – multi-family and residential rental		0		0		0		0		146,095,000		146,095,000		0
Total commercial		261,000		369,000		444,000		1,074,000		2,792,888,000		2,793,962,000		0
Retail:
Home equity and other		112,000		65,000		54,000		231,000		61,389,000		61,620,000		0
1- 4 family mortgages		1,147,000		247,000		342,000		1,736,000		359,040,000		360,776,000		0
Total retail		1,259,000		312,000		396,000		1,967,000		420,429,000		422,396,000		0
Total past due loans	$	1,520,000	$	681,000	$	840,000	$	3,041,000	$	3,213,317,000	$	3,216,358,000	$	0

	30 – 59 Days Past Due		60 – 89 Days Past Due		Greater Than 89 Days Past Due		Total Past Due		Current		Total Loans		Recorded Balance > 89 Days and Accruing
Commercial:
Commercial and industrial	$	0	$	0	$	0	$	0	$	846,551,000	$	846,551,000	$	0
Vacant land, land development, and residential construction		191,000		0		0		191,000		55,928,000		56,119,000		0
Real estate – owner occupied		0		0		134,000		134,000		578,869,000		579,003,000		0
Real estate – non-owner occupied		0		0		0		0		835,346,000		835,346,000		0
Real estate – multi-family and residential rental		0		0		0		0		124,525,000		124,525,000		0
Total commercial		191,000		0		134,000		325,000		2,441,219,000		2,441,544,000		0
Retail:
Home equity and other		171,000		65,000		20,000		256,000		75,118,000		75,374,000		0
1- 4 family mortgages		745,000		29,000		529,000		1,303,000		338,446,000		339,749,000		0
Total retail		916,000		94,000		549,000		1,559,000		413,564,000		415,123,000		0
Total past due loans	$	1,107,000	$	94,000	$	683,000	$	1,884,000	$	2,854,783,000	$	2,856,667,000	$	0

Impaired Financing Receivables [Table Text Block]

	Unpaid Contractual Principal Balance		Recorded Principal Balance		Related Allowance	Year-To- Date Average Recorded Principal Balance
With no related allowance recorded:
Commercial:
Commercial and industrial	$	6,242,000	$	6,242,000		$	7,874,000
Vacant land, land development and residential construction		0		0			187,000
Real estate – owner occupied		14,782,000		14,593,000			5,361,000
Real estate – non-owner occupied		341,000		341,000			227,000
Real estate – multi-family and residential rental		0		0			3,000
Total commercial		21,365,000		21,176,000			13,652,000
Retail:
Home equity and other		1,072,000		987,000			1,216,000
1-4 family mortgages		4,455,000		2,575,000			2,447,000
Total retail		5,527,000		3,562,000			3,663,000
Total with no related allowance recorded	$	26,892,000	$	24,738,000		$	17,315,000

	Unpaid Contractual Principal Balance		Recorded Principal Balance		Related Allowance		Year-To- Date Average Recorded Principal Balance
With an allowance recorded:
Commercial:
Commercial and industrial	$	343,000	$	343,000	$	53,000	$	971,000
Vacant land, land development and residential construction		0		0		0		77,000
Real estate – owner occupied		763,000		734,000		77,000		578,000
Real estate – non-owner occupied		162,000		162,000		8,000		100,000
Real estate – multi-family and residential rental		0		0		0		0
Total commercial		1,268,000		1,239,000		138,000		1,726,000
Retail:
Home equity and other		300,000		283,000		241,000		421,000
1-4 family mortgages		698,000		698,000		172,000		595,000
Total retail		998,000		981,000		413,000		1,016,000
Total with an allowance recorded	$	2,266,000	$	2,220,000	$	551,000	$	2,742,000
Total impaired loans:
Commercial	$	22,633,000	$	22,415,000	$	138,000	$	15,378,000
Retail		6,525,000		4,543,000		413,000		4,679,000
Total impaired loans	$	29,158,000	$	26,958,000	$	551,000	$	20,057,000

	Unpaid Contractual Principal Balance		Recorded Principal Balance		Related Allowance	Year-To- Date Average Recorded Principal Balance
With no related allowance recorded:
Commercial:
Commercial and industrial	$	8,129,000	$	8,129,000		$	11,610,000
Vacant land, land development and residential construction		85,000		85,000			89,000
Real estate – owner occupied		715,000		667,000			1,520,000
Real estate – non-owner occupied		178,000		178,000			131,000
Real estate – multi-family and residential rental		29,000		9,000			44,000
Total commercial		9,136,000		9,068,000			13,394,000
Retail:
Home equity and other		1,279,000		1,209,000			1,203,000
1-4 family mortgages		3,272,000		1,968,000			2,078,000
Total retail		4,551,000		3,177,000			3,281,000
Total with no related allowance recorded	$	13,687,000	$	12,245,000		$	16,675,000

	Unpaid Contractual Principal Balance		Recorded Principal Balance		Related Allowance		Year-To- Date Average Recorded Principal Balance
With an allowance recorded:
Commercial:
Commercial and industrial	$	460,000	$	458,000	$	202,000	$	5,709,000
Vacant land, land development and residential construction		0		0		0		0
Real estate – owner occupied		1,078,000		1,078,000		982,000		1,672,000
Real estate – non-owner occupied		0		0		0		80,000
Real estate – multi-family and residential rental		0		0		0		54,000
Total commercial		1,538,000		1,536,000		1,184,000		7,515,000
Retail:
Home equity and other		502,000		485,000		356,000		658,000
1-4 family mortgages		358,000		356,000		83,000		660,000
Total retail		860,000		841,000		439,000		1,318,000
Total with an allowance recorded	$	2,398,000	$	2,377,000	$	1,623,000	$	8,833,000
Total impaired loans:
Commercial	$	10,674,000	$	10,604,000	$	1,184,000	$	20,909,000
Retail		5,411,000		4,018,000		439,000		4,599,000
Total impaired loans	$	16,085,000	$	14,622,000	$	1,623,000	$	25,508,000

Financing Receivable Credit Quality Indicators [Table Text Block]

	Commercial and Industrial		Commercial Vacant Land, Land Development, and Residential Construction		Commercial Real Estate - Owner Occupied		Commercial Real Estate - Non-Owner Occupied		Commercial Real Estate - Multi-Family and Residential Rental
Internal credit risk grade groupings:
Grades 1 – 4 (1)	$	828,706,000	$	22,547,000	$	315,134,000	$	396,700,000	$	91,711,000
Grades 5 – 7		306,614,000		32,398,000		185,541,000		520,395,000		54,111,000
Grades 8 – 9		10,103,000		110,000		29,278,000		341,000		273,000
Total commercial	$	1,145,423,000	$	55,055,000	$	529,953,000	$	917,436,000	$	146,095,000

	Commercial and Industrial		Commercial Vacant Land, Land Development, and Residential Construction		Commercial Real Estate - Owner Occupied		Commercial Real Estate - Non-Owner Occupied		Commercial Real Estate - Multi-Family and Residential Rental
Internal credit risk grade groupings:
Grades 1 – 4	$	521,920,000	$	26,065,000	$	351,671,000	$	563,087,000	$	85,152,000
Grades 5 – 7		309,824,000		29,716,000		220,980,000		272,124,000		39,203,000
Grades 8 – 9		14,807,000		338,000		6,352,000		135,000		170,000
Total commercial	$	846,551,000	$	56,119,000	$	579,003,000	$	835,346,000	$	124,525,000

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

	Commercial Loans			Retail Loans			Unallocated			Total
Allowance for loan losses:
Beginning balance	$	21,070,000		$	2,749,000		$	70,000		$	23,889,000
Provision for loan losses		12,835,000			1,226,000			(11,000	)		14,050,000
Charge-offs		(613,000	)		(225,000	)		0			(838,000	)
Recoveries		487,000			379,000			0			866,000
Ending balance	$	33,779,000		$	4,129,000		$	59,000		$	37,967,000
Ending balance: individually evaluated for impairment	$	138,000		$	413,000		$	0		$	551,000
Ending balance: collectively evaluated for impairment	$	33,641,000		$	3,716,000		$	59,000		$	37,416,000
Total loans (*):
Ending balance	$	2,428,703,000		$	422,396,000					$	2,851,099,000
Ending balance: individually evaluated for impairment	$	22,415,000		$	4,543,000					$	26,958,000
Ending balance: collectively evaluated for impairment	$	2,406,288,000		$	417,853,000					$	2,824,141,000

	Commercial Loans			Retail Loans			Unallocated		Total
Allowance for loan losses:
Beginning balance	$	19,619,000		$	2,717,000		$	44,000	$	22,380,000
Provision for loan losses		1,578,000			146,000			26,000		1,750,000
Charge-offs		(455,000	)		(428,000	)		0		(883,000	)
Recoveries		328,000			314,000			0		642,000
Ending balance	$	21,070,000		$	2,749,000		$	70,000	$	23,889,000
Ending balance: individually evaluated for impairment	$	1,230,000		$	459,000		$	0	$	1,689,000
Ending balance: collectively evaluated for impairment	$	19,840,000		$	2,290,000		$	70,000	$	22,200,000
Total loans:
Ending balance	$	2,441,544,000		$	415,123,000				$	2,856,667,000
Ending balance: individually evaluated for impairment	$	10,604,000		$	4,018,000				$	14,622,000
Ending balance: collectively evaluated for impairment	$	2,430,940,000		$	411,105,000				$	2,842,045,000

	Commercial Loans			Retail Loans			Unallocated			Total
Allowance for loan losses:
Beginning balance	$	16,747,000		$	2,661,000		$	93,000		$	19,501,000
Provision for loan losses		958,000			191,000			(49,000	)		1,100,000
Charge-offs		(674,000	)		(776,000	)		0			(1,450,000	)
Recoveries		2,588,000			641,000			0			3,229,000
Ending balance	$	19,619,000		$	2,717,000		$	44,000		$	22,380,000
Ending balance: individually evaluated for impairment	$	550,000		$	539,000		$	0		$	1,089,000
Ending balance: collectively evaluated for impairment	$	19,069,000		$	2,178,000		$	44,000		$	21,291,000
Total loans:
Ending balance	$	2,360,106,000		$	392,979,000					$	2,753,085,000
Ending balance: individually evaluated for impairment	$	19,291,000		$	4,617,000					$	23,908,000
Ending balance: collectively evaluated for impairment	$	2,340,815,000		$	388,362,000					$	2,729,177,000

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

			Pre-		Post-
			Modification		Modification
			Recorded		Recorded
	Number of		Principal		Principal
	Contracts		Balance		Balance
Commercial:
Commercial and industrial		13	$	6,914,000	$	7,717,000
Vacant land, land development and residential construction		0		0		0
Real estate – owner occupied		8		14,663,000		14,663,000
Real estate – non-owner occupied		2		319,000		318,000
Real estate – multi-family and residential rental		0		0		0
Total commercial		23		21,896,000		22,698,000
Retail:
Home equity and other		16		451,000		452,000
1-4 family mortgages		6		151,000		148,000
Total retail		22		602,000		600,000
Total		45	$	22,498,000	$	23,298,000

			Pre-		Post-
			Modification		Modification
			Recorded		Recorded
	Number of		Principal		Principal
	Contracts		Balance		Balance
Commercial:
Commercial and industrial		5	$	435,000	$	435,000
Vacant land, land development and residential construction		1		87,000		87,000
Real estate – owner occupied		2		1,669,000		1,669,000
Real estate – non-owner occupied		0		0		0
Real estate – multi-family and residential rental		0		0		0
Total commercial		8		2,191,000		2,191,000
Retail:
Home equity and other		20		295,000		296,000
1-4 family mortgages		8		310,000		310,000
Total retail		28		605,000		606,000
Total		36	$	2,796,000	$	2,797,000

Troubled Debt Restructurings on Financing Receivables with in Previous Twelve Months that Became Over Thirty Days Past Due [Table Text Block]

	Number of Contracts		Recorded Principal Balance
Commercial:
Commercial and industrial		0	$	0
Vacant land, land development and residential construction		0		0
Real estate – owner occupied		0		0
Real estate – non-owner occupied		0		0
Real estate – multi-family and residential rental		0		0
Total commercial		0		0
Retail:
Home equity and other		0		0
1-4 family mortgages		0		0
Total retail		0		0
Total		0	$	0

	Number of Contracts		Recorded Principal Balance
Commercial:
Commercial and industrial		0	$	0
Vacant land, land development and residential construction		0		0
Real estate – owner occupied		0		0
Real estate – non-owner occupied		0		0
Real estate – multi-family and residential rental		0		0
Total commercial		0		0
Retail:
Home equity and other		1		20,000
1-4 family mortgages		2		106,000
Total retail		3		126,000
Total		3	$	126,000

Trouble Debt Restructuring Activity [Table Text Block]

	Commercial and			Commercial Vacant Land, Land Development, and Residential			Commercial Real Estate - Owner			Commercial Real Estate - Non-Owner			Commercial Real Estate - Multi-Family and Residential
	Industrial			Construction			Occupied			Occupied			Rental
Commercial Loan Portfolio:
Beginning Balance	$	8,587,000		$	85,000		$	1,145,000		$	178,000		$	7,000
Charge-Offs		0			0			0			0			0
Payments		(11,260,000	)		(85,000	)		(3,765,000	)		(585,000	)		(7,000	)
Transfers to ORE		0			0			0			0			0
Net Additions/Deletions		9,087,000			0			17,417,000			887,000			0
Ending Balance	$	6,414,000		$	0		$	14,797,000		$	480,000		$	0

	Retail Home Equity and Other			Retail 1-4 Family Mortgages
Retail Loan Portfolio:
Beginning Balance	$	1,415,000		$	724,000
Charge-Offs		0			0
Payments		(881,000	)		(68,000	)
Transfers to ORE		0			0
Net Additions/Deletions		612,000			150,000
Ending Balance	$	1,146,000		$	806,000

	Commercial and Industrial			Commercial Vacant Land, Land Development, and Residential Construction			Commercial Real Estate - Owner Occupied			Commercial Real Estate - Non-Owner Occupied			Commercial Real Estate - Multi-Family and Residential Rental
Commercial Loan Portfolio:
Beginning Balance	$	14,138,000		$	0		$	3,100,000		$	210,000		$	24,000
Charge-Offs		0			0			0			0			0
Payments		(20,364,000	)		(2,000	)		(3,820,000	)		(32,000	)		(17,000	)
Transfers to ORE		0			0			(97,000	)		0			0
Net Additions/Deletions		14,813,000			87,000			1,962,000			0			0
Ending Balance	$	8,587,000		$	85,000		$	1,145,000		$	178,000		$	7,000

	Retail Home Equity and Other			Retail 1-4 Family Mortgages
Retail Loan Portfolio:
Beginning Balance	$	1,402,000		$	578,000
Charge-Offs		(18,000	)		0
Payments		(272,000	)		(162,000	)
Transfers to ORE		0			0
Net Additions/Deletions		303,000			308,000
Ending Balance	$	1,415,000		$	724,000

	Commercial and			Commercial Vacant Land, Land Development, and Residential			Commercial Real Estate - Owner			Commercial Real Estate - Non-Owner			Commercial Real Estate - Multi-Family and Residential
	Industrial			Construction			Occupied			Occupied			Rental
Commercial Loan Portfolio:
Beginning Balance	$	3,990,000		$	383,000		$	2,026,000		$	237,000		$	41,000
Charge-Offs		(505,000	)		0			0			0			0
Payments		(792,000	)		(383,000	)		(6,663,000	)		(27,000	)		(17,000	)
Transfers to ORE		0			0			(93,000	)		0			0
Net Additions/Deletions		11,445,000			0			7,830,000			0			0
Ending Balance	$	14,138,000		$	0		$	3,100,000		$	210,000		$	24,000

	Retail Home Equity and Other			Retail 1-4 Family Mortgages
Retail Loan Portfolio:
Beginning Balance	$	1,346,000		$	539,000
Charge-Offs		(30,000	)		0
Payments		(323,000	)		(41,000	)
Transfers to ORE		(82,000	)		0
Net Additions/Deletions		491,000			80,000
Ending Balance	$	1,402,000		$	578,000

Allowance Related to Loans Categorized as Troubled Debt Restructurings [Table Text Block]

	December 31, 2020		December 31, 2019
Commercial:
Commercial and industrial	$	53,000	$	202,000
Vacant land, land development, and residential construction		0		0
Real estate – owner occupied		59,000		982,000
Real estate – non-owner occupied		8,000		0
Real estate – multi-family and residential rental		0		0
Total commercial		120,000		1,184,000
Retail:
Home equity and other		202,000		311,000
1-4 family mortgages		145,000		83,000
Total retail		347,000		394,000
Total related allowance	$	467,000	$	1,578,000

Retail Portfolio Segment [Member]

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

	Retail Home Equity and Other		Retail 1-4 Family Mortgages
Performing		61,378,000		358,447,000
Nonperforming		242,000		2,329,000
Total retail	$	61,620,000	$	360,776,000

	Retail Home Equity and Other		Retail 1-4 Family Mortgages
Performing		75,119,000		337,856,000
Nonperforming		255,000		1,893,000
Total retail	$	75,374,000	$	339,749,000