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

9 Months Ended

Sep. 30, 2022

Notes Tables

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

											Percent
	September 30, 2022					December 31, 2021					Increase
	Balance		%			Balance		%			(Decrease)
Commercial:
Commercial and industrial (1)	$	1,213,630,000		31.3	%	$	1,137,419,000		32.9	%		6.7	%
Vacant land, land development, and residential construction		60,970,000		1.6			43,239,000		1.3			41.0
Real estate – owner occupied		643,577,000		16.6			565,758,000		16.4			13.8
Real estate – non-owner occupied		1,002,638,000		25.8			1,027,415,000		29.7			(2.4	)
Real estate – multi-family and residential rental		224,248,000		5.7			176,593,000		5.1			27.0
Total commercial		3,145,063,000		81.0			2,950,424,000		85.4			6.6
Retail:
1-4 family mortgages		705,441,000		18.2			442,547,000		12.8			59.4
Other consumer loans (2)		30,454,000		0.8			60,488,000		1.8			(49.7	)
Total retail		735,895,000		19.0			503,035,000		14.6			46.3
Total loans	$	3,880,958,000		100.0	%	$	3,453,459,000		100.0	%		12.4	%

Financing Receivable, Nonperforming [Table Text Block]

	September 30, 2022		December 31, 2021
Loans past due 90 days or more still accruing interest	$	0	$	155,000
Nonaccrual loans		1,416,000		2,313,000
Total nonperforming loans	$	1,416,000	$	2,468,000

	September 30, 2022		December 31, 2021
Commercial:
Commercial and industrial	$	249,000	$	663,000
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		249,000		663,000
Retail:
1-4 family mortgages		1,167,000		1,686,000
Other consumer loans		0		119,000
Total retail		1,167,000		1,805,000
Total nonperforming loans	$	1,416,000	$	2,468,000

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	$	16,000	$	0	$	249,000	$	265,000	$	1,213,365,000	$	1,213,630,000	$	0
Vacant land, land development, and residential construction		32,000		0		0		32,000		60,938,000		60,970,000		0
Real estate – owner occupied		0		0		0		0		643,577,000		643,577,000		0
Real estate – non-owner occupied		0		0		0		0		1,002,638,000		1,002,638,000		0
Real estate – multi-family and residential rental		0		0		0		0		224,248,000		224,248,000		0
Total commercial		48,000		0		249,000		297,000		3,144,766,000		3,145,063,000		0
Retail:
1-4 family mortgages		53,000		31,000		141,000		225,000		705,216,000		705,441,000		0
Other consumer loans		1,000		0		0		1,000		30,453,000		30,454,000		0
Total retail		54,000		31,000		141,000		226,000		735,669,000		735,895,000		0
Total past due loans	$	102,000	$	31,000	$	390,000	$	523,000	$	3,880,435,000	$	3,880,958,000	$	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	$	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

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	$	2,893,000	$	2,818,000		$	2,759,000	$	3,836,000
Vacant land, land development and residential construction		0		0			0		0
Real estate – owner occupied		9,674,000		9,674,000			12,674,000		13,374,000
Real estate – non-owner occupied		0		0			0		163,000
Real estate – multi-family and residential rental		91,000		91,000			46,000		23,000
Total commercial		12,658,000		12,583,000			15,479,000		17,396,000
Retail:
Home equity and other		1,173,000		1,107,000			1,223,000		1,093,000
1-4 family mortgages		3,166,000		2,025,000			2,256,000		2,403,000
Total retail		4,339,000		3,132,000			3,479,000		3,496,000
Total with no related allowance recorded	$	16,997,000	$	15,715,000		$	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	$	2,192,000	$	2,192,000	$	266,000	$	2,888,000	$	1,617,000
Vacant land, land development and residential construction		0		0		0		0		0
Real estate – owner occupied		761,000		761,000		84,000		994,000		813,000
Real estate – non-owner occupied		146,000		146,000		4,000		152,000		156,000
Real estate – multi-family and residential rental		0		0		0		0		0
Total commercial		3,099,000		3,099,000		354,000		4,034,000		2,586,000
Retail:
Home equity and other		160,000		140,000		123,000		197,000		232,000
1-4 family mortgages		412,000		412,000		69,000		472,000		569,000
Total retail		572,000		552,000		192,000		669,000		801,000
Total with an allowance recorded	$	3,671,000	$	3,651,000	$	546,000	$	4,703,000	$	3,387,000
Total impaired loans:
Commercial	$	15,757,000	$	15,682,000	$	354,000	$	19,513,000	$	19,982,000
Retail		4,911,000		3,684,000		192,000		4,148,000		4,297,000
Total impaired loans	$	20,668,000	$	19,366,000	$	546,000	$	23,661,000	$	24,279,000

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)	$	740,682,000	$	42,738,000	$	385,604,000	$	499,327,000	$	138,694,000
Grades 5 – 7		455,801,000		18,123,000		254,827,000		490,785,000		85,502,000
Grades 8 – 9		17,147,000		109,000		3,146,000		12,526,000		52,000
Total commercial	$	1,213,630,000	$	60,970,000	$	643,577,000	$	1,002,638,000	$	224,248,000

	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)	$	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

Financing Receivable by Origination Year [Table Text Block]

	2022		2021		2020		2019		2018		Prior		Term Total		Revolving Loans		Grand Total
Commercial:
Commercial and Industrial:
Grades 1 – 4	$	84,723	$	172,209	$	49,083	$	12,173	$	2,826	$	10,313	$	331,327	$	409,355	$	740,682
Grades 5 – 7		144,180		46,989		34,404		9,322		1,866		238		236,999		218,802		455,801
Grades 8 – 9		3,849		249		0		0		51		36		4,185		12,962		17,147
Total	$	232,752	$	219,447	$	83,487	$	21,495	$	4,743	$	10,587	$	572,511	$	641,119	$	1,213,630
Vacant Land, Land Development and Residential Construction:
Grades 1 – 4	$	26,719	$	11,956	$	3,432	$	0	$	0	$	343	$	42,450	$	288	$	42,738
Grades 5 – 7		8,274		8,519		558		52		0		718		18,121		2		18,123
Grades 8 – 9		0		0		0		0		16		93		109		0		109
Total	$	34,993	$	20,475	$	3,990	$	52	$	16	$	1,154	$	60,680	$	290	$	60,970
Real Estate – Owner Occupied:
Grades 1 – 4	$	129,640	$	159,735	$	58,119	$	19,107	$	9,589	$	9,414	$	385,604	$	0	$	385,604
Grades 5 – 7		120,184		60,281		37,008		11,893		22,890		2,571		254,827		0		254,827
Grades 8 – 9		2,689		250		45		0		162		0		3,146		0		3,146
Total	$	252,513	$	220,266	$	95,172	$	31,000	$	32,641	$	11,985	$	643,577	$	0	$	643,577
Real Estate – Non-Owner Occupied:
Grades 1 – 4	$	88,916	$	182,620	$	132,805	$	68,453	$	10,300	$	16,233	$	499,327	$	0	$	499,327
Grades 5 – 7		117,989		167,936		122,665		22,901		14,092		45,202		490,785		0		490,785
Grades 8 – 9		6,780		5,746		0		0		0		0		12,526		0		12,526
Total	$	213,685	$	356,302	$	255,470	$	91,354	$	24,392	$	61,435	$	1,002,638	$	0	$	1,002,638
Real Estate – Multi-Family and Residential Rental:
Grades 1 – 4	$	31,627	$	56,824	$	37,519	$	5,387	$	3,067	$	4,270	$	138,694	$	0	$	138,694
Grades 5 – 7		38,003		26,696		13,441		3,249		3,131		982		85,502		0		85,502
Grades 8 – 9		0		0		0		0		0		52		52		0		52
Total	$	69,630	$	83,520	$	50,960	$	8,636	$	6,198	$	5,304	$	224,248	$	0	$	224,248
Total Commercial	$	803,573	$	900,010	$	489,079	$	152,537	$	67,990	$	90,465	$	2,503,654	$	641,409	$	3,145,063

	2022		2021		2020		2019		2018		Prior		Term Total		Revolving Loans		Grand Total
Retail:
1-4 Family Mortgages:
Performing	$	258,124	$	243,023	$	95,502	$	12,576	$	15,111	$	44,741	$	669,077	$	35,197	$	704,274
Nonperforming		20		86		0		0		0		1,061		1,167		0		1,167
Total	$	258,144	$	243,109	$	95,502	$	12,576	$	15,111	$	45,802	$	670,244	$	35,197	$	705,441
Other Consumer Loans:
Performing	$	3,810	$	3,251	$	1,264	$	1,247	$	497	$	549	$	10,618	$	19,836	$	30,454
Nonperforming		0		0		0		0		0		0		0		0		0
Total	$	3,810	$	3,251	$	1,264	$	1,247	$	497	$	549	$	10,618	$	19,836	$	30,454
Total Retail	$	261,954	$	246,360	$	96,766	$	13,823	$	15,608	$	46,351	$	680,862	$	55,033	$	735,895
Grand Total	$	1,065,527	$	1,146,370	$	585,845	$	166,360	$	83,598	$	136,816	$	3,184,516	$	696,442	$	3,880,958

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			1-4 family mortgages			Other consumer loans			Unallocated			Total
Allowance for credit losses:
Balance at 6-30-22	$	8,608		$	446		$	5,578		$	9,614		$	1,274		$	10,267		$	165		$	22		$	35,974
Provision for credit losses		1,110			21			372			(108	)		(21	)		1,530			(13	)		9			2,900
Charge-offs		0			0			0			0			0			0			0			0			0
Recoveries		22			1			22			0			23			154			24			0			246
Ending balance	$	9,740		$	468		$	5,972		$	9,506		$	1,276		$	11,951		$	176		$	31		$	39,120
Balance at 12-31-21	$	10,782		$	420		$	6,045		$	13,301		$	1,695		$	2,449		$	626		$	45		$	35,363
Adoption of ASU 2016-13		(1,571	)		(43	)		(560	)		(2,534	)		(621	)		5,395			(411	)		(55	)		(400	)
Provision for credit losses		518			117			407			(1,261	)		165			3,587			(74	)		41			3,500
Charge-offs		(170	)		(29	)		0			0			0			(2	)		(18	)		0			(219	)
Recoveries		181			3			80			0			37			522			53			0			876
Ending balance	$	9,740		$	468		$	5,972		$	9,506		$	1,276		$	11,951		$	176		$	31		$	39,120

	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:
Balance at 6-30-21	$	9,340		$	479		$	7,701		$	12,785	$	1,787	$	742		$	2,894		$	185	$	35,913
Provision for loan losses		1,518			(180	)		(1,151	)		1,523		157		(64	)		97			0		1,900
Charge-offs		(690	)		0			0			0		0		(23	)		(30	)		0		(743	)
Recoveries		10			127			76			0		0		42			98			0		353
Ending balance	$	10,178		$	426		$	6,626		$	14,308	$	1,944	$	697		$	3,059		$	185	$	37,423
Balance at 12-31-20	$	9,424		$	679		$	8,246		$	13,611	$	1,819	$	889		$	3,240		$	59	$	37,967
Provision for loan losses		647			307			(2,028	)		697		125		(271	)		(503	)		126		(900	)
Charge-offs		(54	)		(705	)		(12	)		0		0		(30	)		(64	)		0		(865	)
Recoveries		161			145			420			0		0		109			386			0		1,221
Ending balance	$	10,178		$	426		$	6,626		$	14,308	$	1,944	$	697		$	3,059		$	185	$	37,423
Ending balance: individually evaluated for impairment	$	449		$	0		$	89		$	6	$	0	$	142		$	79		$	0	$	765
Ending balance: collectively evaluated for impairment	$	9,729		$	426		$	6,537		$	14,302	$	1,944	$	555		$	2,980		$	185	$	36,658
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

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		1	$	19,000	$	19,000
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		19,000		19,000
Retail:
1-4 family mortgages		2		289,000		289,000
Other consumer loans		0		0		0
Total retail		2		289,000		289,000
Total loans		3	$	308,000	$	308,000

	Number of Contracts		Pre- Modification Recorded Principal Balance		Post- Modification Recorded Principal Balance
Commercial:
Commercial and industrial		3	$	6,593,000	$	6,593,000
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		3		6,593,000		6,593,000
Retail:
1-4 family mortgages		5		501,000		500,000
Other consumer loans		0		0		0
Total retail		5		501,000		500,000
Total loans		8	$	7,094,000	$	7,093,000

	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

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	$	9,938,000		$	0	$	87,000		$	139,000		$	88,000
Charge-Offs		0			0		0			0			0
Payments (net)		(891,000	)		0		(3,000	)		(4,000	)		(88,000	)
Transfers to ORE		0			0		0			0			0
Net Additions/Deletions		19,000			0		0			0			0
Ending Balance	$	9,066,000		$	0	$	84,000		$	135,000		$	0

	Retail			Retail
	1-4 Family			Other Consumer
	Mortgages			Loans
Retail Loan Portfolio:
Beginning Balance	$	2,339,000		$	3,000
Charge-Offs		0			0
Payments (net)		(84,000	)		(1,000	)
Transfers to ORE		0			0
Net Additions/Deletions		289,000			0
Ending Balance	$	2,544,000		$	2,000

	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	$	4,973,000		$	0	$	10,435,000		$	146,000		$	91,000
Charge-Offs		(95,000	)		0		0			0			0
Payments (net)		(378,000	)		0		(9,682,000	)		(11,000	)		(91,000	)
Transfers to ORE		0			0		0			0			0
Net Additions/Deletions		4,566,000			0		(669,000	)		0			0
Ending Balance	$	9,066,000		$	0	$	84,000		$	135,000		$	0

	Retail			Retail
	1-4 Family			Other Consumer
	Mortgages			Loans
Retail Loan Portfolio:
Beginning Balance	$	627,000		$	1,202,000
Charge-Offs		0			0
Payments (net)		(253,000	)		(13,000	)
Transfers to ORE		0			0
Net Additions/Deletions (1)		2,170,000			(1,187,000	)
Ending Balance	$	2,544,000		$	2,000

	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	$	5,563,000		$	0	$	13,888,000		$	153,000		$	0
Charge-Offs		(17,000	)		0		0			0			0
Payments (net)		(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 (net)		(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 (net)		(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 (net)		(323,000	)		(204,000	)
Transfers to ORE		0			0
Net Additions/Deletions		482,000			46,000
Ending Balance	$	1,305,000		$	648,000

Retail Portfolio Segment [Member]

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

	Other Consumer Loans		Retail 1-4 Family Mortgages
Performing	$	30,454,000	$	704,274,000
Nonperforming		0		1,167,000
Total retail	$	30,454,000	$	705,441,000

	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