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

9 Months Ended

Sep. 30, 2021

Notes Tables

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

											Percent
	September 30, 2021					December 31, 2020					Increase
	Balance		%			Balance		%			(Decrease)
Commercial:
Commercial and industrial (1)	$	1,074,394,000		32.4	%	$	1,145,423,000		35.9	%		(6.2	%)
Vacant land, land development, and residential construction		38,380,000		1.2			55,055,000		1.7			(30.3	)
Real estate – owner occupied		551,762,000		16.7			529,953,000		16.6			4.1
Real estate – non-owner occupied		998,697,000		30.1			917,436,000		28.7			8.9
Real estate – multi-family and residential rental		179,126,000		5.4			146,095,000		4.6			22.6
Total commercial		2,842,359,000		85.8			2,793,962,000		87.5			1.7
Retail:
Home equity and other		59,732,000		1.8			61,620,000		1.9			(3.1	)
1-4 family mortgages		411,618,000		12.4			337,888,000		10.6			21.8
Total retail		471,350,000		14.2			399,508,000		12.5			18.0
Total loans	$	3,313,709,000		100.0	%	$	3,193,470,000		100.0	%		3.8	%

Financing Receivable, Nonaccrual [Table Text Block]

	September 30, 2021		December 31, 2020
Loans past due 90 days or more still accruing interest	$	0	$	0
Nonaccrual loans		2,766,000		3,384,000
Total nonperforming loans	$	2,766,000	$	3,384,000

	September 30, 2021		December 31, 2020
Commercial:
Commercial and industrial	$	673,000	$	172,000
Vacant land, land development, and residential construction		0		0
Real estate – owner occupied		0		619,000
Real estate – non-owner occupied		0		22,000
Real estate – multi-family and residential rental		0		0
Total commercial		673,000		813,000
Retail:
Home equity and other		142,000		242,000
1-4 family mortgages		1,951,000		2,329,000
Total retail		2,093,000		2,571,000
Total nonperforming loans	$	2,766,000	$	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	$	0	$	0	$	44,000	$	44,000	$	1,074,350,000	$	1,074,394,000	$	0
Vacant land, land development, and residential construction		0		0		0		0		38,380,000		38,380,000		0
Real estate – owner occupied		0		0		0		0		551,762,000		551,762,000		0
Real estate – non-owner occupied		0		0		0		0		998,697,000		998,697,000		0
Real estate – multi-family and residential rental		0		0		0		0		179,126,000		179,126,000		0
Total commercial		0		0		44,000		44,000		2,842,315,000		2,842,359,000		0
Retail:
Home equity and other		103,000		11,000		35,000		149,000		59,583,000		59,732,000		0
1-4 family mortgages		315,000		363,000		224,000		902,000		410,716,000		411,618,000		0
Total retail		418,000		374,000		259,000		1,051,000		470,299,000		471,350,000		0
Total past due loans	$	418,000	$	374,000	$	303,000	$	1,095,000	$	3,312,614,000	$	3,313,709,000	$	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]

	Unpaid Contractual Principal Balance		Recorded Principal Balance		Related Allowance	Third Quarter Average Recorded Principal Balance		Year-To- Date Average Recorded Principal Balance
With no related allowance recorded
Commercial:
Commercial and industrial	$	2,900,000	$	2,843,000		$	2,759,000	$	3,836,000
Vacant land, land development and residential construction		0		0			0		0
Real estate – owner occupied		12,674,000		12,674,000			12,674,000		13,374,000
Real estate – non-owner occupied		0		0			0		163,000
Real estate – multi-family and residential rental		92,000		92,000			46,000		23,000
Total commercial		15,666,000		15,609,000			15,479,000		17,396,000
Retail:
Home equity and other		1,291,000		1,208,000			1,223,000		1,093,000
1-4 family mortgages		3,496,000		2,285,000			2,256,000		2,403,000
Total retail		4,787,000		3,493,000			3,479,000		3,496,000
Total with no related allowance recorded	$	20,453,000	$	19,102,000		$	18,958,000	$	20,892,000

	Unpaid Contractual Principal Balance		Recorded Principal Balance		Related Allowance		Third Quarter Average Recorded Principal Balance		Year-To- Date Average Recorded Principal Balance
With an allowance recorded
Commercial:
Commercial and industrial	$	2,802,000	$	2,802,000	$	449,000	$	2,888,000	$	1,617,000
Vacant land, land development and residential construction		0		0		0		0		0
Real estate – owner occupied		775,000		775,000		89,000		994,000		813,000
Real estate – non-owner occupied		151,000		151,000		6,000		152,000		156,000
Real estate – multi-family and residential rental		0		0		0		0		0
Total commercial		3,728,000		3,728,000		544,000		4,034,000		2,586,000
Retail:
Home equity and other		182,000		163,000		142,000		197,000		232,000
1-4 family mortgages		416,000		416,000		79,000		472,000		569,000
Total retail		598,000		579,000		221,000		669,000		801,000
Total with an allowance recorded	$	4,326,000	$	4,307,000	$	765,000	$	4,703,000	$	3,387,000
Total impaired loans:
Commercial	$	19,394,000	$	19,337,000	$	544,000	$	19,513,000	$	19,982,000
Retail		5,385,000		4,072,000		221,000		4,148,000		4,297,000
Total impaired loans	$	24,779,000	$	23,409,000	$	765,000	$	23,661,000	$	24,279,000

	Unpaid Contractual Principal Balance		Recorded Principal Balance		Related Allowance	Third Quarter Average Recorded Principal Balance		Year-To- Date Average Recorded Principal Balance
With no related allowance recorded
Commercial:
Commercial and industrial	$	6,242,000	$	6,242,000		$	7,416,000	$	8,282,000
Vacant land, land development and residential construction		0		0			326,000		234,000
Real estate – owner occupied		14,782,000		14,593,000			3,645,000		3,053,000
Real estate – non-owner occupied		341,000		341,000			309,000		199,000
Real estate – multi-family and residential rental		0		0			0		3,000
Total commercial		21,365,000		21,176,000			11,696,000		11,771,000
Retail:
Home equity and other		1,072,000		987,000			1,305,000		1,273,000
1-4 family mortgages		4,455,000		2,575,000			2,505,000		2,415,000
Total retail		5,527,000		3,562,000			3,810,000		3,688,000
Total with no related allowance recorded	$	26,892,000	$	24,738,000		$	15,506,000	$	15,459,000

	Unpaid Contractual Principal Balance		Recorded Principal Balance		Related Allowance		Third Quarter Average Recorded Principal Balance		Year-To- Date Average Recorded Principal Balance
With an allowance recorded
Commercial:
Commercial and industrial	$	343,000	$	343,000	$	53,000	$	940,000	$	1,128,000
Vacant land, land development and residential construction		0		0		0		0		96,000
Real estate – owner occupied		763,000		734,000		77,000		436,000		538,000
Real estate – non-owner occupied		162,000		162,000		8,000		168,000		84,000
Real estate – multi-family and residential rental		0		0		0		0		0
Total commercial		1,268,000		1,239,000		138,000		1,544,000		1,846,000
Retail:
Home equity and other		300,000		283,000		241,000		470,000		455,000
1-4 family mortgages		698,000		698,000		172,000		653,000		569,000
Total retail		998,000		981,000		413,000		1,123,000		1,024,000
Total with an allowance recorded	$	2,266,000	$	2,220,000	$	551,000	$	2,667,000	$	2,870,000
Total impaired loans:
Commercial	$	22,633,000	$	22,415,000	$	138,000	$	13,240,000	$	13,617,000
Retail		6,525,000		4,543,000		413,000		4,933,000		4,712,000
Total impaired loans	$	29,158,000	$	26,958,000	$	551,000	$	18,173,000	$	18,329,000

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)	$	706,369,000	$	23,336,000	$	324,000,000	$	450,779,000	$	104,531,000
Grades 5 – 7		364,529,000		14,941,000		212,733,000		534,165,000		74,439,000
Grades 8 – 9		3,496,000		103,000		15,029,000		13,753,000		156,000
Total commercial	$	1,074,394,000	$	38,380,000	$	551,762,000	$	998,697,000	$	179,126,000

	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 Loans			Retail Loans			Unallocated		Total
Allowance for loan losses:
Balance at June 30, 2021	$	32,092,000		$	3,636,000		$	185,000	$	35,913,000
Provision for loan losses		1,859,000			41,000			0		1,900,000
Charge-offs		(690,000	)		(53,000	)		0		(743,000	)
Recoveries		221,000			132,000			0		353,000
Ending balance	$	33,482,000		$	3,756,000		$	185,000	$	37,423,000
Allowance for loan losses:
Balance at December 31, 2020	$	33,779,000		$	4,129,000		$	59,000	$	37,967,000
Provision for loan losses		(271,000	)		(755,000	)		126,000		(900,000	)
Charge-offs		(771,000	)		(94,000	)		0		(865,000	)
Recoveries		745,000			476,000			0		1,221,000
Ending balance	$	33,482,000		$	3,756,000		$	185,000	$	37,423,000
Ending balance: individually evaluated for impairment	$	544,000		$	221,000		$	0	$	765,000
Ending balance: collectively evaluated for impairment	$	32,938,000		$	3,535,000		$	185,000	$	36,658,000
Total loans (*):
Ending balance	$	2,726,706,000		$	471,350,000				$	3,198,056,000
Ending balance: individually evaluated for impairment	$	19,337,000		$	4,072,000				$	23,409,000
Ending balance: collectively evaluated for impairment	$	2,707,369,000		$	467,278,000				$	3,174,647,000

	Commercial Loans			Retail Loans			Unallocated			Total
Allowance for loan losses:
Balance at June 30, 2020	$	27,962,000		$	4,224,000		$	60,000		$	32,246,000
Provision for loan losses		3,499,000			(266,000	)		(33,000	)		3,200,000
Charge-offs		(45,000	)		(78,000	)		0			(123,000	)
Recoveries		194,000			55,000			0			249,000
Ending balance	$	31,610,000		$	3,935,000		$	27,000		$	35,572,000
Allowance for loan losses:
Balance at December 31, 2019	$	21,070,000		$	2,749,000		$	70,000		$	23,889,000
Provision for loan losses		10,539,000			1,054,000			(43,000	)		11,550,000
Charge-offs		(360,000	)		(139,000	)		0			(499,000	)
Recoveries		361,000			271,000			0			632,000
Ending balance	$	31,610,000		$	3,935,000		$	27,000		$	35,572,000
Ending balance: individually evaluated for impairment	$	480,000		$	430,000		$	0		$	910,000
Ending balance: collectively evaluated for impairment	$	31,130,000		$	3,505,000		$	27,000		$	34,662,000
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]

	Number of Contracts		Pre- Modification Recorded Principal Balance		Post- Modification Recorded Principal Balance
Commercial:
Commercial and industrial		2	$	186,000	$	185,000
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		1		93,000		93,000
Total commercial		3		279,000		278,000
Retail:
Home equity and other		0		0		0
1-4 family mortgages		0		0		0
Total retail		0		0		0
Total loans		3	$	279,000	$	278,000

	Number of Contracts		Pre- Modification Recorded Principal Balance		Post- Modification Recorded Principal Balance
Commercial:
Commercial and industrial		10	$	3,017,000	$	3,016,000
Vacant land, land development and residential construction		0		0		0
Real estate – owner occupied		1		692,000		692,000
Real estate – non-owner occupied		0		0		0
Real estate – multi-family and residential rental		1		93,000		93,000
Total commercial		12		3,802,000		3,801,000
Retail:
Home equity and other		4		485,000		482,000
1-4 family mortgages		2		46,000		46,000
Total retail		6		531,000		528,000
Total loans		18	$	4,333,000	$	4,329,000

	Number of Contracts		Pre- Modification Recorded Principal Balance		Post- Modification Recorded Principal Balance
Commercial:
Commercial and industrial		2	$	7,000	$	7,000
Vacant land, land development and residential construction		0		0		0
Real estate – owner occupied		1		56,000		56,000
Real estate – non-owner occupied		2		571,000		571,000
Real estate – multi-family and residential rental		0		0		0
Total commercial		5		634,000		634,000
Retail:
Home equity and other		5		82,000		83,000
1-4 family mortgages		2		68,000		67,000
Total retail		7		150,000		150,000
Total loans		12	$	784,000	$	784,000

	Number of Contracts		Pre- Modification Recorded Principal Balance		Post- Modification Recorded Principal Balance
Commercial:
Commercial and industrial		8	$	6,485,000	$	6,491,000
Vacant land, land development and residential construction		0		0		0
Real estate – owner occupied		7		3,508,000		2,906,000
Real estate – non-owner occupied		2		571,000		571,000
Real estate – multi-family and residential rental		0		0		0
Total commercial		17		10,564,000		9,968,000
Retail:
Home equity and other		14		422,000		423,000
1-4 family mortgages		3		88,000		87,000
Total retail		17		510,000		510,000
Total loans		34	$	11,074,000	$	10,478,000

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		1		5,000
Total retail		1		5,000
Total		1	$	5,000

	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		1		5,000
Total retail		1		5,000
Total		1	$	5,000

	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		0		0
1-4 family mortgages		1		31,000
Total retail		1		31,000
Total		1	$	31,000

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	$	5,563,000		$	0	$	13,888,000		$	153,000		$	0
Charge-Offs		(17,000	)		0		0			0			0
Payments		(75,000	)		0		(439,000	)		(2,000	)		0
Transfers to ORE		0			0		0			0			0
Net Additions/Deletions		184,000			0		0			0			92,000
Ending Balance	$	5,655,000		$	0	$	13,449,000		$	151,000		$	92,000

	Retail Home Equity and Other			Retail 1-4 Family Mortgages
Retail Loan Portfolio:
Beginning Balance	$	1,396,000		$	699,000
Charge-Offs		0			0
Payments		(91,000	)		(51,000	)
Transfers to ORE		0			0
Net Additions/Deletions		0			0
Ending Balance	$	1,305,000		$	648,000

	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	$	6,414,000		$	0	$	14,797,000		$	480,000		$	0
Charge-Offs		(17,000	)		0		0			0			0
Payments		(3,596,000	)		0		(2,034,000	)		(329,000	)		0
Transfers to ORE		0			0		0			0			0
Net Additions/Deletions		2,854,000			0		686,000			0			92,000
Ending Balance	$	5,655,000		$	0	$	13,449,000		$	151,000		$	92,000

	Retail Home Equity and Other			Retail 1-4 Family Mortgages
Retail Loan Portfolio:
Beginning Balance	$	1,146,000		$	806,000
Charge-Offs		0			0
Payments		(323,000	)		(204,000	)
Transfers to ORE		0			0
Net Additions/Deletions		482,000			46,000
Ending Balance	$	1,305,000		$	648,000

	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	$	10,067,000		$	80,000		$	3,791,000		$	170,000		$	1,000
Charge-Offs		0			0			0			0			0
Payments		(3,537,000	)		(80,000	)		(827,000	)		(4,000	)		(1,000	)
Transfers to ORE		0			0			0			0			0
Net Additions/Deletions		7,000			0			55,000			569,000			0
Ending Balance	$	6,537,000		$	0		$	3,019,000		$	735,000		$	0

	Retail Home Equity and Other			Retail 1-4 Family Mortgages
Retail Loan Portfolio:
Beginning Balance	$	1,715,000		$	715,000
Charge-Offs		0			0
Payments		(220,000	)		(17,000	)
Transfers to ORE		0			0
Net Additions/Deletions		82,000			69,000
Ending Balance	$	1,577,000		$	767,000

	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		(8,512,000	)		(85,000	)		(1,836,000	)		(12,000	)		(7,000	)
Transfers to ORE		0			0			0			0			0
Net Additions/Deletions		6,462,000			0			3,710,000			569,000			0
Ending Balance	$	6,537,000		$	0		$	3,019,000		$	735,000		$	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		(423,000	)		(46,000	)
Transfers to ORE		0			0
Net Additions/Deletions		585,000			89,000
Ending Balance	$	1,577,000		$	767,000

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

	September 30, 2021		December 31, 2020
Commercial:
Commercial and industrial	$	311,000	$	53,000
Vacant land, land development, and residential construction		0		0
Real estate – owner occupied		89,000		59,000
Real estate – non-owner occupied		6,000		8,000
Real estate – multi-family and residential rental		0		0
Total commercial		406,000		120,000
Retail:
Home equity and other		113,000		202,000
1-4 family mortgages		79,000		145,000
Total retail		192,000		347,000
Total related allowance	$	598,000	$	467,000

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	$	59,590,000	$	409,667,000
Nonperforming		142,000		1,951,000
Total retail	$	59,732,000	$	411,618,000

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