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

12 Months Ended

Dec. 31, 2021

Notes Tables

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

	December 31, 2021					December 31, 2020					Percent Increase
	Balance		%			Balance		%			(Decrease)
Commercial:
Commercial and industrial (1)	$	1,137,419,000		32.9	%	$	1,145,423,000		35.9	%		(0.7	%)
Vacant land, land development, and residential construction		43,239,000		1.3			55,055,000		1.7			(21.5	)
Real estate – owner occupied		565,758,000		16.4			529,953,000		16.6			6.8
Real estate – non-owner occupied		1,027,415,000		29.7			917,436,000		28.7			12.0
Real estate – multi-family and residential rental		176,593,000		5.1			146,095,000		4.6			20.9
Total commercial		2,950,424,000		85.4			2,793,962,000		87.5			5.6
Retail:
Home equity and other		60,488,000		1.8			61,620,000		1.9			(1.8	)
1-4 family mortgages		442,547,000		12.8			337,888,000		10.6			31.0
Total retail		503,035,000		14.6			399,508,000		12.5			25.9
Total loans	$	3,453,459,000		100.0	%	$	3,193,470,000		100.0	%		8.1	%

Concentrations Within Loan Portfolio [Table Text Block]

	2021					2020
			Percentage					Percentage
	Balance		of Loan Portfolio			Balance		of Loan Portfolio
Commercial real estate loans to lessors of non-residential buildings	$	737,589,000		21.4	%	$	649,162,000		20.3	%

Financing Receivable, Nonaccrual [Table Text Block]

	2021		2020
Loans past due 90 days or more still accruing interest	$	155,000	$	0
Nonaccrual loans		2,313,000		3,384,000
Total nonperforming loans	$	2,468,000	$	3,384,000

	December 31, 2021		December 31, 2020
Commercial:
Commercial and industrial	$	663,000	$	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		663,000		813,000
Retail:
Home equity and other		119,000		242,000
1-4 family mortgages		1,686,000		2,329,000
Total retail		1,805,000		2,571,000
Total nonperforming loans	$	2,468,000	$	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	$	14,000	$	0	$	193,000	$	207,000	$	1,137,212,000	$	1,137,419,000	$	155,000
Vacant land, land development, and residential construction		13,000		0		0		13,000		43,226,000		43,239,000		0
Real estate – owner occupied		0		0		0		0		565,758,000		565,758,000		0
Real estate – non-owner occupied		0		0		0		0		1,027,415,000		1,027,415,000		0
Real estate – multi-family and residential rental		0		0		0		0		176,593,000		176,593,000		0
Total commercial		27,000		0		193,000		220,000		2,950,204,000		2,950,424,000		155,000
Retail:
Home equity and other		132,000		2,000		20,000		154,000		60,334,000		60,488,000		0
1- 4 family mortgages		1,265,000		241,000		82,000		1,588,000		440,959,000		442,547,000		0
Total retail		1,397,000		243,000		102,000		1,742,000		501,293,000		503,035,000		0
Total past due loans	$	1,424,000	$	243,000	$	295,000	$	1,962,000	$	3,451,497,000	$	3,453,459,000	$	155,000

	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	Year-To-Date Average Recorded Principal Balance
With no related allowance recorded:
Commercial:
Commercial and industrial	$	2,893,000	$	2,818,000		$	3,632,000
Vacant land, land development and residential construction		0		0			0
Real estate – owner occupied		9,674,000		9,674,000			12,634,000
Real estate – non-owner occupied		0		0			131,000
Real estate – multi-family and residential rental		91,000		91,000			37,000
Total commercial		12,658,000		12,583,000			16,434,000
Retail:
Home equity and other		1,173,000		1,107,000			1,096,000
1-4 family mortgages		3,166,000		2,025,000			2,327,000
Total retail		4,339,000		3,132,000			3,423,000
Total with no related allowance recorded	$	16,997,000	$	15,715,000		$	19,857,000

	Unpaid Contractual Principal Balance		Recorded Principal Balance		Related Allowance		Year-To-Date Average Recorded Principal Balance
With an allowance recorded:
Commercial:
Commercial and industrial	$	2,192,000	$	2,192,000	$	266,000	$	1,732,000
Vacant land, land development and residential construction		0		0		0		0
Real estate – owner occupied		761,000		761,000		84,000		803,000
Real estate – non-owner occupied		146,000		146,000		4,000		154,000
Real estate – multi-family and residential rental		0		0		0		0
Total commercial		3,099,000		3,099,000		354,000		2,689,000
Retail:
Home equity and other		160,000		140,000		123,000		214,000
1-4 family mortgages		412,000		412,000		69,000		537,000
Total retail		572,000		552,000		192,000		751,000
Total with an allowance recorded	$	3,671,000	$	3,651,000	$	546,000	$	3,440,000
Total impaired loans:
Commercial	$	15,757,000	$	15,682,000	$	354,000	$	19,123,000
Retail		4,911,000		3,684,000		192,000		4,174,000
Total impaired loans	$	20,668,000	$	19,366,000	$	546,000	$	23,297,000

	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	$	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

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)	$	729,224,000	$	28,390,000	$	346,082,000	$	503,482,000	$	119,473,000
Grades 5 – 7		398,378,000		14,730,000		208,060,000		511,280,000		56,968,000
Grades 8 – 9		9,817,000		119,000		11,616,000		12,653,000		152,000
Total commercial	$	1,137,419,000	$	43,239,000	$	565,758,000	$	1,027,415,000	$	176,593,000

	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 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			Home equity and other			1 – 4 family mortgages			Unallocated			Total
Allowance for loan losses:
Beginning balance	$	9,424		$	679		$	8,246		$	13,611		$	1,819		$	889		$	3,240		$	59		$	37,967
Provision for loan losses		2,030			(618	)		(3,308	)		(310	)		(150	)		(301	)		(1,629	)		(14	)		(4,300	)
Charge-offs		(882	)		(15	)		(12	)		0			0			(43	)		(92	)		0			(1,044	)
Recoveries		210			374			1,119			0			26			81			930			0			2,740
Ending balance	$	10,782		$	420		$	6,045		$	13,301		$	1,695		$	626		$	2,449		$	45		$	35,363
Ending balance: individually evaluated for impairment	$	266		$	0		$	84		$	0		$	4		$	123		$	69		$	0		$	546
Ending balance: collectively evaluated for impairment	$	10,516		$	420		$	5,961		$	13,301		$	1,691		$	503		$	2,380		$	45		$	34,817
Total loans (*):
Ending balance	$	1,097,309		$	43,239		$	565,758		$	1,027,415		$	176,593		$	60,488		$	442,547					$	3,413,349
Ending balance: individually evaluated for impairment	$	5,010		$	0		$	10,435		$	146		$	91		$	1,247		$	2,437					$	19,366
Ending balance: collectively evaluated for impairment	$	1,092,299		$	43,239		$	555,323		$	1,027,269		$	176,502		$	59,241		$	440,110					$	3,393,983

	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			Home equity and other			1 – 4 family mortgages			Unallocated			Total
Allowance for loan losses:
Beginning balance	$	6,659		$	466		$	6,291		$	6,761	$	893		$	861			1,888		$	70		$	23,889
Provision for loan losses		2,921			289			1,881			6,837		907			58			1,168			(11	)		14,050
Charge-offs		(247	)		(113	)		(235	)		0		(18	)		(96	)		(129	)		0			(838	)
Recoveries		91			37			309			13		37			66			313			0			866
Ending balance	$	9,424		$	679		$	8,246		$	13,611	$	1,819		$	889		$	3,240		$	59		$	37,967
Ending balance: individually evaluated for impairment	$	53		$	0		$	77		$	8	$	0		$	241		$	172		$	0		$	551
Ending balance: collectively evaluated for impairment	$	9,371		$	679		$	8,169		$	13,603	$	1,819		$	648		$	3,068		$	59		$	37,416
Total loans (*):
Ending balance	$	780,164		$	55,055		$	529,953		$	917,436	$	146,095		$	61,620		$	337,888					$	2,828,211
Ending balance: individually evaluated for impairment	$	6,585		$	0		$	15,327		$	503	$	0		$	1,270		$	3,273					$	26,958
Ending balance: collectively evaluated for impairment	$	773,579		$	55,055		$	514,626		$	916,933	$	146,095		$	60,350		$	334,615					$	2,801,253

	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		Home equity and other			1 – 4 family mortgages			Unallocated		Total
Allowance for loan losses:
Beginning balance	$	6,168		$	337		$	5,866		$	6,408		$	840	$	883			1,834		$	44	$	22,380
Provision for loan losses		764			105			331			342			36		(19	)		165			26		1,750
Charge-offs		(393	)		(12	)		(48	)		(2	)		0		(66	)		(362	)		0		(883	)
Recoveries		120			36			142			13			17		63			251			0		642
Ending balance	$	6,659		$	466		$	6,291		$	6,761		$	893	$	861		$	1,888		$	70	$	23,889
Ending balance: individually evaluated for impairment	$	202		$	0		$	982		$	0		$	0	$	356		$	83		$	0	$	1,623
Ending balance: collectively evaluated for impairment	$	6,457		$	466		$	5,309		$	6,761		$	893	$	505		$	1,805		$	70	$	22,266
Total loans:
Ending balance	$	846,551		$	56,119		$	579,003		$	835,346		$	124,525	$	75,374		$	339,749				$	2,856,667
Ending balance: individually evaluated for impairment	$	8,587		$	85		$	1,745		$	178		$	9	$	1,694		$	2,324				$	14,622
Ending balance: collectively evaluated for impairment	$	837,964		$	56,034		$	577,258		$	835,168		$	124,516	$	73,680		$	337,425				$	2,842,045

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		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		18	$	4,333,000	$	4,329,000

			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

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		0		0
1-4 family mortgages		0		0
Total retail		0		0
Total		0	$	0

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	$	6,414,000		$	0	$	14,797,000		$	480,000		$	0
Charge-Offs		(17,000	)		0		0			0			0
Payments		(4,278,000	)		0		(5,048,000	)		(334,000	)		(1,000	)
Transfers to ORE		0			0		0			0			0
Net Additions/Deletions		2,854,000			0		686,000			0			92,000
Ending Balance	$	4,973,000		$	0	$	10,435,000		$	146,000		$	91,000

	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		(426,000	)		(224,000	)
Transfers to ORE		0			0
Net Additions/Deletions		482,000			45,000
Ending Balance	$	1,202,000		$	627,000

	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	$	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

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

	December 31, 2021		December 31, 2020
Commercial:
Commercial and industrial	$	266,000	$	53,000
Vacant land, land development, and residential construction		0		0
Real estate – owner occupied		84,000		59,000
Real estate – non-owner occupied		5,000		8,000
Real estate – multi-family and residential rental		0		0
Total commercial		355,000		120,000
Retail:
Home equity and other		95,000		202,000
1-4 family mortgages		69,000		145,000
Total retail		164,000		347,000
Total related allowance	$	519,000	$	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		60,369,000		440,861,000
Nonperforming		119,000		1,686,000
Total retail	$	60,488,000	$	442,547,000

	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