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

3 Months Ended

Mar. 31, 2021

Notes Tables

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

											Percent
	March 31, 2021					December 31, 2020					Increase
	Balance		%			Balance		%			(Decrease)
Commercial:
Commercial and industrial (1)	$	1,284,507,000		38.2	%	$	1,145,423,000		35.9	%		12.1	%
Vacant land, land development, and residential construction		58,738,000		1.7			55,055,000		1.7			6.7
Real estate – owner occupied		544,342,000		16.2			529,953,000		16.6			2.7
Real estate – non-owner occupied		932,334,000		27.7			917,436,000		28.7			0.6
Real estate – multi-family and residential rental		147,294,000		4.4			146,095,000		4.6			0.8
Total commercial		2,967,215,000		88.2			2,793,962,000		87.5			6.2
Retail:
Home equity and other		59,311,000		1.8			61,620,000		1.9			(3.7	)
1-4 family mortgages		337,844,000		10.0			337,888,000		10.6			(0.1	)
Total retail		397,155,000		11.8			399,508,000		12.5			(0.6	)
Total loans	$	3,364,370,000		100.0	%	$	3,193,470,000		100.0	%		5.4	%

Financing Receivable, Nonaccrual [Table Text Block]

	March 31,		December 31,
	2021		2020
Loans past due 90 days or more still accruing interest	$	0	$	0
Nonaccrual loans		2,793,000		3,384,000
Total nonperforming loans	$	2,793,000	$	3,384,000

	March 31,		December 31,
	2021		2020
Commercial:
Commercial and industrial	$	169,000	$	172,000
Vacant land, land development, and residential construction		0		0
Real estate – owner occupied		283,000		619,000
Real estate – non-owner occupied		0		22,000
Real estate – multi-family and residential rental		0		0
Total commercial		452,000		813,000
Retail:
Home equity and other		175,000		242,000
1-4 family mortgages		2,166,000		2,329,000
Total retail		2,341,000		2,571,000
Total nonperforming loans	$	2,793,000	$	3,384,000

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	$	593,000	$	0	$	169,000	$	762,000	$	1,283,745,000	$	1,284,507,000	$	0
Vacant land, land development, and residential construction		0		0		0		0		58,738,000		58,738,000		0
Real estate – owner occupied		0		137,000		283,000		420,000		543,922,000		544,342,000		0
Real estate – non-owner occupied		0		0		0		0		932,334,000		932,334,000		0
Real estate – multi-family and residential rental		0		0		0		0		147,294,000		147,294,000		0
Total commercial		593,000		137,000		452,000		1,182,000		2,966,033,000		2,967,215,000		0
Retail:
Home equity and other		112,000		0		45,000		157,000		59,154,000		59,311,000		0
1-4 family mortgages		565,000		1,000		213,000		779,000		337,065,000		337,844,000		0
Total retail		677,000		1,000		258,000		936,000		396,219,000		397,155,000		0
Total past due loans	$	1,270,000	$	138,000	$	710,000	$	2,118,000	$	3,362,252,000	$	3,364,370,000	$	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	$	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		336,152,000		337,888,000		0
Total retail		1,259,000		312,000		396,000		1,967,000		397,541,000		399,508,000		0
Total past due loans	$	1,520,000	$	681,000	$	840,000	$	3,041,000	$	3,190,429,000	$	3,193,470,000	$	0

Impaired Financing Receivables [Table Text Block]

						First Quarter
	Unpaid					Average
	Contractual		Recorded			Recorded
	Principal		Principal		Related	Principal
	Balance		Balance		Allowance	Balance
With no related allowance recorded:
Commercial:
Commercial and industrial	$	3,587,000	$	3,584,000		$	4,913,000
Vacant land, land development and residential construction		0		0			0
Real estate – owner occupied		13,588,000		13,554,000			14,074,000
Real estate – non-owner occupied		312,000		312,000			326,000
Real estate – multi-family and residential rental		0		0			0
Total commercial		17,487,000		17,450,000			19,313,000
Retail:
Home equity and other		1,019,000		940,000			963,000
1-4 family mortgages		4,390,000		2,525,000			2,550,000
Total retail		5,409,000		3,465,000			3,513,000
Total with no related allowance recorded	$	22,896,000	$	20,915,000		$	22,826,000

							First Quarter
	Unpaid						Average
	Contractual		Recorded				Recorded
	Principal		Principal		Related		Principal
	Balance		Balance		Allowance		Balance
With an allowance recorded:
Commercial:
Commercial and industrial	$	348,000	$	348,000	$	62,000	$	345,000
Vacant land, land development and residential construction		0		0		0		0
Real estate – owner occupied		530,000		530,000		47,000		632,000
Real estate – non-owner occupied		158,000		158,000		7,000		160,000
Real estate – multi-family and residential rental		0		0		0		0
Total commercial		1,036,000		1,036,000		116,000		1,137,000
Retail:
Home equity and other		270,000		252,000		230,000		267,000
1-4 family mortgages		633,000		634,000		141,000		665,000
Total retail		903,000		886,000		371,000		932,000
Total with an allowance recorded	$	1,939,000	$	1,922,000	$	487,000	$	2,069,000
Total impaired loans:
Commercial	$	18,523,000	$	18,486,000	$	116,000	$	20,450,000
Retail		6,312,000		4,351,000		371,000		4,445,000
Total impaired loans	$	24,835,000	$	22,837,000	$	487,000	$	24,895,000

						First Quarter
	Unpaid					Average
	Contractual		Recorded			Recorded
	Principal		Principal		Related	Principal
	Balance		Balance		Allowance	Balance
With no related allowance recorded:
Commercial:
Commercial and industrial	$	6,242,000	$	6,242,000		$	9,148,000
Vacant land, land development and residential construction		0		0			142,000
Real estate – owner occupied		14,782,000		14,593,000			2,762,000
Real estate – non-owner occupied		341,000		341,000			89,000
Real estate – multi-family and residential rental		0		0			7,000
Total commercial		21,365,000		21,176,000			12,148,000
Retail:
Home equity and other		1,072,000		987,000			1,241,000
1-4 family mortgages		4,455,000		2,575,000			2,325,000
Total retail		5,527,000		3,562,000			3,566,000
Total with no related allowance recorded	$	26,892,000	$	24,738,000		$	15,714,000

							First Quarter
	Unpaid						Average
	Contractual		Recorded				Recorded
	Principal		Principal		Related		Principal
	Balance		Balance		Allowance		Balance
With an allowance recorded:
Commercial:
Commercial and industrial	$	343,000	$	343,000	$	53,000	$	1,315,000
Vacant land, land development and residential construction		0		0		0		192,000
Real estate – owner occupied		763,000		734,000		77,000		640,000
Real estate – non-owner occupied		162,000		162,000		8,000		0
Real estate – multi-family and residential rental		0		0		0		0
Total commercial		1,268,000		1,239,000		138,000		2,147,000
Retail:
Home equity and other		300,000		283,000		241,000		440,000
1-4 family mortgages		698,000		698,000		172,000		485,000
Total retail		998,000		981,000		413,000		925,000
Total with an allowance recorded	$	2,266,000	$	2,220,000	$	551,000	$	3,072,000
Total impaired loans:
Commercial	$	22,633,000	$	22,415,000	$	138,000	$	14,295,000
Retail		6,525,000		4,543,000		413,000		4,491,000
Total impaired loans	$	29,158,000	$	26,958,000	$	551,000	$	18,786,000

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)	$	944,884,000	$	22,757,000	$	310,071,000	$	401,697,000	$	91,487,000
Grades 5 – 7		331,588,000		35,872,000		206,249,000		530,325,000		55,540,000
Grades 8 – 9		8,035,000		109,000		28,022,000		312,000		267,000
Total commercial	$	1,284,507,000	$	58,738,000	$	544,342,000	$	932,334,000	$	147,294,000

	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 (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

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

	Commercial			Retail
	Loans			Loans			Unallocated		Total
Allowance for loan losses:
Beginning balance	$	33,779,000		$	4,129,000		$	59,000	$	37,967,000
Provision for loan losses		583,000			(414,000	)		131,000		300,000
Charge-offs		(15,000	)		(37,000	)		0		(52,000	)
Recoveries		364,000			116,000			0		480,000
Ending balance	$	34,711,000		$	3,794,000		$	190,000	$	38,695,000
Ending balance: individually evaluated for impairment	$	116,000		$	371,000		$	0	$	487,000
Ending balance: collectively evaluated for impairment	$	34,595,000		$	3,423,000		$	190,000	$	38,208,000
Total loans: (*)
Ending balance	$	2,512,644,000		$	397,155,000				$	2,909,799,000
Ending balance: individually evaluated for impairment	$	18,486,000		$	4,351,000				$	22,837,000
Ending balance: collectively evaluated for impairment	$	2,494,158,000		$	392,804,000				$	2,886,962,000

	Commercial			Retail
	Loans			Loans			Unallocated			Total
Allowance for loan losses:
Beginning balance	$	21,070,000		$	2,749,000		$	70,000		$	23,889,000
Provision for loan losses		573,000			247,000			(70,000	)		750,000
Charge-offs		(13,000	)		(27,000	)		0			(40,000	)
Recoveries		120,000			109,000			0			229,000
Ending balance	$	21,750,000		$	3,078,000		$	0		$	24,828,000
Ending balance: individually evaluated for impairment	$	1,169,000		$	443,000		$	0		$	1,612,000
Ending balance: collectively evaluated for impairment	$	20,581,000		$	2,635,000		$	0		$	23,216,000
Total loans (*):
Ending balance	$	2,428,703,000		$	399,508,000					$	2,828,211,000
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		$	394,965,000					$	2,801,253,000

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		1	$	23,000	$	22,000
Vacant land, land development and residential construction		0		0		0
Real estate – owner occupied		0		0		0
Real estate – non-owner occupied		0		0		0
Real estate – multi-family and residential rental		0		0		0
Total commercial		1		23,000		22,000
Retail:
Home equity and other		1		71,000		71,000
1-4 family mortgages		1		36,000		36,000
Total retail		2		107,000		107,000
Total loans		3	$	130,000	$	129,000

			Pre-		Post-
			Modification		Modification
			Recorded		Recorded
	Number of		Principal		Principal
	Contracts		Balance		Balance
Commercial:
Commercial and industrial		6	$	6,539,000	$	6,536,000
Vacant land, land development and residential construction		0		0		0
Real estate – owner occupied		8		3,661,000		4,259,000
Real estate – non-owner occupied		0		0		0
Real estate – multi-family and residential rental		0		0		0
Total commercial		14		10,200,000		10,795,000
Retail:
Home equity and other		3		65,000		52,000
1-4 family mortgages		0		0		0
Total retail		3		65,000		52,000
Total loans		17	$	10,265,000	$	10,847,000

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

			Recorded
	Number of		Principal
	Contracts		Balance
Commercial:
Commercial and industrial		2	$	593,000
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		2		593,000
Retail:
Home equity and other		0		0
1-4 family mortgages		1		6,000
Total retail		1		6,000
Total		3	$	599,000

			Recorded
	Number of		Principal
	Contracts		Balance
Commercial:
Commercial and industrial		0	$	0
Vacant land, land development and residential construction		0		0
Real estate – owner occupied		1		97,000
Real estate – non-owner occupied		0		0
Real estate – multi-family and residential rental		0		0
Total commercial		1		97,000
Retail:
Home equity and other		0		0
1-4 family mortgages		0		0
Total retail		0		0
Total		1	$	97,000

Trouble Debt Restructuring Activity [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
Commercial Loan Portfolio:
Beginning Balance	$	6,414,000		$	0	$	14,797,000		$	480,000		$	0
Charge-Offs		0			0		0			0			0
Payments		(2,676,000	)		0		(910,000	)		(9,000	)		0
Transfers to ORE		0			0		0			0			0
Net Additions/Deletions		22,000			0		0			0			0
Ending Balance	$	3,760,000		$	0	$	13,887,000		$	471,000		$	0

	Retail			Retail
	Home Equity			1-4 Family
	and Other			Mortgages
Retail Loan Portfolio:
Beginning Balance	$	1,146,000		$	806,000
Charge-Offs		0			0
Payments		(118,000	)		(22,000	)
Transfers to ORE		0			0
Net Additions/Deletions		71,000			36,000
Ending Balance	$	1,099,000		$	820,000

	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	$	8,587,000		$	85,000		$	1,145,000		$	178,000		$	7,000
Charge-Offs		0			0			0			0			0
Payments		(2,832,000	)		(3,000	)		(988,000	)		(4,000	)		(4,000	)
Transfers to ORE		0			0			0			0			0
Net Additions/Deletions		6,449,000			0			3,654,000			0			0
Ending Balance	$	12,204,000		$	82,000		$	3,811,000		$	174,000		$	3,000

	Retail			Retail
	Home Equity			1-4 Family
	and Other			Mortgages
Retail Loan Portfolio:
Beginning Balance	$	1,415,000		$	724,000
Charge-Offs		0			0
Payments		(29,000	)		(9,000	)
Transfers to ORE		0			0
Net Additions/Deletions		66,000			0
Ending Balance	$	1,452,000		$	715,000

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

	March 31,		December 31,
	2021		2020
Commercial:
Commercial and industrial	$	382,000	$	53,000
Vacant land, land development, and residential construction		0		0
Real estate – owner occupied		308,000		59,000
Real estate – non-owner occupied		0		8,000
Real estate – multi-family and residential rental		0		0
Total commercial		690,000		120,000
Retail:
Home equity and other		258,000		202,000
1-4 family mortgages		86,000		145,000
Total retail		344,000		347,000
Total related allowance	$	1,034,000	$	467,000

Retail Portfolio Segment [Member]

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

	Retail		Retail
	Home Equity		1-4 Family
	and Other		Mortgages
Performing		59,136,000		335,678,000
Nonperforming		175,000		2,166,000
Total retail	$	59,311,000	$	337,844,000

	Retail		Retail
	Home Equity		1-4 Family
	and Other		Mortgages
Performing		61,378,000		335,559,000
Nonperforming		242,000		2,329,000
Total retail	$	61,620,000	$	337,888,000