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

6 Months Ended

Jun. 30, 2023

Notes Tables

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

											Percent
	June 30, 2023					December 31, 2022					Increase
	Balance		%			Balance		%			(Decrease)
Commercial:
Commercial and industrial	$	1,212,196,000		29.9	%	$	1,185,083,000		30.3	%		2.3	%
Vacant land, land development, and residential construction		72,682,000		1.8			61,873,000		1.6			17.5
Real estate – owner occupied		659,201,000		16.3			639,192,000		16.3			3.1
Real estate – non-owner occupied *		957,221,000		23.6			979,214,000		25.0			(2.2	)
Real estate – multi-family and residential rental *		287,285,000		7.1			266,468,000		6.8			7.8
Total commercial		3,188,585,000		78.7			3,131,830,000		80.0			1.8
Retail:
1-4 family mortgages		833,198,000		20.6			755,036,000		19.3			10.4
Other consumer loans		30,060,000		0.7			29,753,000		0.7			1.0
Total retail		863,258,000		21.3			784,789,000		20.0			10.0
Total loans	$	4,051,843,000		100.0	%	$	3,916,619,000		100.0	%		3.5	%

Financing Receivable, Nonperforming [Table Text Block]

	June 30,		December 31,
	2023		2022
Loans past due 90 days or more still accruing interest	$	0	$	0
Nonaccrual loans		2,099,000		7,728,000
Total nonperforming loans	$	2,099,000	$	7,728,000

	June 30,		December 31,
	2023		2022
Commercial:
Commercial and industrial	$	249,000	$	6,024,000
Vacant land, land development, and residential construction		0		0
Real estate – owner occupied		116,000		248,000
Real estate – non-owner occupied		0		0
Real estate – multi-family and residential rental		0		0
Total commercial		365,000		6,272,000
Retail:
1-4 family mortgages		1,734,000		1,456,000
Other consumer loans		0		0
Total retail		1,734,000		1,456,000
Total nonperforming loans	$	2,099,000	$	7,728,000

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	$	249,000	$	249,000	$	1,211,947,000	$	1,212,196,000	$	0
Vacant land, land development, and residential construction		0		0		0		0		72,682,000		72,682,000		0
Real estate – owner occupied		0		0		116,000		116,000		659,085,000		659,201,000		0
Real estate – non- owner occupied		0		0		0		0		957,221,000		957,221,000		0
Real estate – multi-family and residential rental		0		0		0		0		287,285,000		287,285,000		0
Total commercial		0		0		365,000		365,000		3,188,220,000		3,188,585,000		0
Retail:
1-4 family mortgages		602,000		83,000		184,000		869,000		832,329,000		833,198,000		0
Other consumer loans		4,000		4,000		0		8,000		30,052,000		30,060,000		0
Total retail		606,000		87,000		184,000		877,000		862,381,000		863,258,000		0
Total past due loans	$	606,000	$	87,000	$	549,000	$	1,242,000	$	4,050,601,000	$	4,051,843,000	$	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	$	5,705,000	$	249,000	$	5,954,000	$	1,179,129,000	$	1,185,083,000	$	0
Vacant land, land development, and residential construction		0		0		0		0		61,873,000		61,873,000		0
Real estate – owner occupied		0		248,000		0		248,000		638,944,000		639,192,000		0
Real estate – non-owner occupied		0		0		0		0		979,214,000		979,214,000		0
Real estate – multi-family and residential rental		0		0		0		0		266,468,000		266,468,000		0
Total commercial		0		5,953,000		249,000		6,202,000		3,125,628,000		3,131,830,000		0
Retail:
1-4 family mortgages		1,334,000		88,000		116,000		1,538,000		753,498,000		755,036,000		0
Other consumer loans		15,000		1,000		0		16,000		29,737,000		29,753,000		0
Total retail		1,349,000		89,000		116,000		1,554,000		783,235,000		784,789,000		0
Total past due loans	$	1,349,000	$	6,042,000	$	365,000	$	7,756,000	$	3,908,863,000	$	3,916,619,000	$	0

Financing Receivable, Nonaccrual [Table Text Block]

	Amortized		Related
	Cost		Allowance
With no allowance recorded:
Commercial:
Commercial and industrial	$	249,000	$	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		249,000		0
Retail:
1-4 family mortgages		1,315,000		0
Other consumer loans		0		0
Total retail		1,315,000		0
Total with no allowance recorded	$	1,564,000	$	0
With an allowance recorded:
Commercial:
Commercial and industrial	$	0	$	0
Vacant land, land development and residential construction		0		0
Real estate – owner occupied		116,000		15,000
Real estate – non-owner occupied		0		0
Real estate – multi-family and residential rental		0		0
Total commercial		116,000		15,000
Retail:
1-4 family mortgages		419,000		292,000
Other consumer loans		0		0
Total retail		419,000		292,000
Total with an allowance recorded	$	535,000	$	307,000
Total nonaccrual loans:
Commercial	$	365,000	$	15,000
Retail		1,734,000		292,000
Total nonaccrual loans	$	2,099,000	$	307,000

	Amortized		Related
	Cost		Allowance
With no allowance recorded:
Commercial:
Commercial and industrial	$	249,000	$	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		249,000		0
Retail:
1-4 family mortgages		1,064,000		0
Other consumer loans		0		0
Total retail		1,064,000		0
Total with no allowance recorded	$	1,313,000	$	0
With an allowance recorded:
Commercial:
Commercial and industrial	$	5,775,000	$	2,051,000
Vacant land, land development and residential construction		0		0
Real estate – owner occupied		248,000		32,000
Real estate – non-owner occupied		0		0
Real estate – multi-family and residential rental		0		0
Total commercial		6,023,000		2,083,000
Retail:
1-4 family mortgages		392,000		200,000
Other consumer loans		0		0
Total retail		392,000		200,000
Total with an allowance recorded	$	6,415,000	$	2,283,000
Total nonaccrual loans:
Commercial	$	6,272,000	$	2,083,000
Retail		1,456,000		200,000
Total nonaccrual loans	$	7,728,000	$	2,283,000

Financing Receivable by Origination Year [Table Text Block]

	2023		2022		2021		2020		2019		Prior		Term Total		Revolving Loans		Grand Total
Commercial:
Commercial and Industrial:
Grades 1 – 4	$	70,344	$	110,829	$	115,238	$	34,358	$	7,818	$	9,862	$	348,449	$	395,751	$	744,200
Grades 5 – 7		57,388		101,094		39,034		24,439		7,896		186		230,037		211,809		441,846
Grades 8 – 9		9,791		0		266		0		0		0		10,057		16,093		26,150
Total	$	137,523	$	211,923	$	154,538	$	58,797	$	15,714	$	10,048	$	588,543	$	623,653	$	1,212,196
Current year-to-date gross write offs	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	218	$	218
Vacant Land, Land Development and Residential Construction:
Grades 1 – 4	$	12,715	$	22,089	$	3,369	$	2,835	$	0	$	298	$	41,306	$	0	$	41,306
Grades 5 – 7		11,504		15,308		3,373		330		45		546		31,106		174		31,280
Grades 8 – 9		11		0		0		0		0		85		96		0		96
Total	$	24,230	$	37,397	$	6,742	$	3,165	$	45	$	929	$	72,508	$	174	$	72,682
Current year-to-date gross write offs	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0
Real Estate – Owner Occupied:
Grades 1 – 4	$	143,011	$	115,599	$	83,379	$	51,608	$	18,025	$	18,344	$	429,966	$	0	$	429,966
Grades 5 – 7		60,088		76,351		38,774		30,039		9,739		11,196		226,187		48		226,235
Grades 8 – 9		207		2,635		0		42		0		116		3,000		0		3,000
Total	$	203,306	$	194,585	$	122,153	$	81,689	$	27,764	$	29,656	$	659,153	$	48	$	659,201
Current year-to-date gross write offs	$	0	$	14	$	0	$	0	$	0	$	0	$	14	$	0	$	14
Real Estate – Non-Owner Occupied:
Grades 1 – 4	$	29,085	$	96,215	$	117,813	$	95,378	$	42,493	$	39,708	$	420,692	$	0	$	420,692
Grades 5 – 7		118,268		137,493		136,069		99,324		6,690		26,538		524,382		0		524,382
Grades 8 – 9		0		6,575		5,572		0		0		0		12,147		0		12,147
Total	$	147,353	$	240,283	$	259,454	$	194,702	$	49,183	$	66,246	$	957,221	$	0	$	957,221
Current year-to-date gross write offs	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0
Real Estate – Multi-Family and Residential Rental:
Grades 1 – 4	$	14,641	$	44,570	$	58,445	$	35,626	$	5,057	$	6,031	$	164,370	$	0	$	164,370
Grades 5 – 7		41,454		48,247		5,536		11,661		2,947		1,778		111,623		0		111,623
Grades 8 – 9		11,250		0		0		0		0		42		11,292		0		11,292
Total	$	67,345	$	92,817	$	63,981	$	47,287	$	8,004	$	7,851	$	287,285	$	0	$	287,285
Current year-to-date gross write offs	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0
Total Commercial	$	579,757	$	777,005	$	606,868	$	385,640	$	100,710	$	114,730	$	2,564,710	$	623,875	$	3,188,585
Total Comm current YTD gross write offs	$	0	$	14	$	0	$	0	$	0	$	0	$	14	$	218	$	232

	2023		2022		2021		2020		2019		Prior		Term Total		Revolving Loans		Grand Total
Retail:
1-4 Family Mortgages:
Performing	$	79,136	$	330,384	$	238,932	$	85,225	$	11,191	$	50,146	$	795,014	$	36,450	$	831,464
Nonperforming		0		82		491		0		12		1,149		1,734		0		1,734
Total	$	79,136	$	330,466	$	239,423	$	85,225	$	11,203	$	51,295	$	796,748	$	36,450	$	833,198
Current year-to-date gross write offs	$	0	$	52	$	0	$	0	$	0	$	239	$	291	$	21	$	312
Other Consumer Loans:
Performing	$	3,106	$	3,368	$	2,043	$	687	$	820	$	441	$	10,465	$	19,595	$	30,060
Nonperforming		0		0		0		0		0		0		0		0		0
Total	$	3,106	$	3,368	$	2,043	$	687	$	820	$	441	$	10,465	$	19,595	$	30,060
Current year-to-date gross write offs	$	0	$	3	$	0	$	0	$	0	$	3	$	6	$	17	$	23
Total Retail	$	82,242	$	333,834	$	241,466	$	85,912	$	12,023	$	51,736	$	807,213	$	56,045	$	863,258
Total Retail Current YTD gross write offs	$	0	$	55	$	0	$	0	$	0	$	242	$	297	$	38	$	335
Grand Total	$	661,999	$	1,110,839	$	848,334	$	471,552	$	112,733	$	166,466	$	3,371,923	$	679,920	$	4,051,843
Grand Total Current YTD gross write offs	$	0	$	69	$	0	$	0	$	0	$	242	$	311	$	256	$	567

	2022		2021		2020		2019		2018		Prior		Term Total		Revolving Loans		Grand Total
Commercial:
Commercial and Industrial:
Grades 1 – 4	$	115,494	$	141,481	$	43,961	$	9,194	$	3,230	$	9,851	$	323,211	$	396,372	$	719,583
Grades 5 – 7		151,783		47,030		31,697		8,870		569		93		240,042		210,363		450,405
Grades 8 – 9		3,784		249		0		0		48		29		4,110		10,985		15,095
Total	$	271,061	$	188,760	$	75,658	$	18,064	$	3,847	$	9,973	$	567,363	$	617,720	$	1,185,083
Vacant Land, Land Development and Residential Construction:
Grades 1 – 4	$	31,756	$	6,196	$	3,428	$	0	$	0	$	331	$	41,711	$	0	$	41,711
Grades 5 – 7		10,270		8,760		351		50		0		626		20,057		0		20,057
Grades 8 – 9		0		0		0		0		14		91		105		0		105
Total	$	42,026	$	14,956	$	3,779	$	50	$	14	$	1,048	$	61,873	$	0	$	61,873
Real Estate – Owner Occupied:
Grades 1 – 4	$	194,072	$	113,528	$	53,630	$	19,670	$	19,279	$	6,162	$	406,341	$	0	$	406,341
Grades 5 – 7		115,720		56,173		33,913		10,245		12,550		1,165		229,766		0		229,766
Grades 8 – 9		2,919		0		44		0		122		0		3,085		0		3,085
Total	$	312,711	$	169,701	$	87,587	$	29,915	$	31,951	$	7,327	$	639,192	$	0	$	639,192
Real Estate – Non-Owner Occupied:
Grades 1 – 4	$	121,281	$	152,035	$	89,125	$	44,196	$	10,079	$	12,018	$	428,734	$	0	$	428,734
Grades 5 – 7		176,217		142,645		133,163		35,200		13,456		37,399		538,080		0		538,080
Grades 8 – 9		6,712		5,688		0		0		0		0		12,400		0		12,400
Total	$	304,210	$	300,368	$	222,288	$	79,396	$	23,535	$	49,417	$	979,214	$	0	$	979,214
Real Estate – Multi-Family and Residential Rental:
Grades 1 – 4	$	39,342	$	49,178	$	36,348	$	5,306	$	3,082	$	4,003	$	137,259	$	0	$	137,259
Grades 5 – 7		56,018		47,474		19,666		3,162		2,557		283		129,160		0		129,160
Grades 8 – 9		0		0		0		0		0		49		49		0		49
Total	$	95,360	$	96,652	$	56,014	$	8,468	$	5,639	$	4,335	$	266,468	$	0	$	266,468
Total Commercial	$	1,025,368	$	770,437	$	445,326	$	135,893	$	64,986	$	72,100	$	2,514,110	$	617,720	$	3,131,830

	2022		2021		2020		2019		2018		Prior		Term Total		Revolving Loans		Grand Total
Retail:
1-4 Family Mortgages:
Performing	$	313,611	$	242,950	$	91,936	$	12,094	$	14,297	$	41,622	$	716,510	$	37,070	$	753,580
Nonperforming		142		82		0		0		203		1,029		1,456		0		1,456
Total	$	313,753	$	243,032	$	91,936	$	12,094	$	14,500	$	42,651	$	717,966	$	37,070	$	755,036
Other Consumer Loans:
Performing	$	4,349	$	2,870	$	1,040	$	1,074	$	395	$	430	$	10,158	$	19,595	$	29,753
Nonperforming		0		0		0		0		0		0		0		0		0
Total	$	4,349	$	2,870	$	1,040	$	1,074	$	395	$	430	$	10,158	$	19,595	$	29,753
Total Retail	$	318,102	$	245,902	$	92,976	$	13,168	$	14,895	$	43,081	$	728,124	$	56,665	$	784,789
Grand Total	$	1,343,470	$	1,016,339	$	538,302	$	149,061	$	79,881	$	115,181	$	3,242,234	$	674,385	$	3,916,619

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 3-31-23	$	10,181		$	510		$	5,711		$	9,168		$	2,427	$	14,648		$	156		$	76		$	42,877
Provision for credit losses		(3,616	)		(217	)		105			(479	)		1,268		4,973			21			(55	)		2,000
Charge-offs		(182	)		0			0			0			0		(270	)		(9	)		0			(461	)
Recoveries		89			11			22			0			5		147			31			0			305
Ending balance	$	6,472		$	304		$	5,838		$	8,689		$	3,700	$	19,498		$	199		$	21		$	44,721
Balance at 12-31-22	$	10,203		$	490		$	5,914		$	9,242		$	2,191	$	14,027		$	160		$	19		$	42,246
Provision for credit losses		(3,623	)		(198	)		(132	)		(553	)		1,497		5,591			16			2			2,600
Charge-offs		(218	)		0			(14	)		0			0		(312	)		(23	)		0			(567	)
Recoveries		110			12			70			0			12		192			46			0			442
Ending balance	$	6,472		$	304		$	5,838		$	8,689		$	3,700	$	19,498		$	199		$	21		$	44,721

	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 3-31-22	$	8,413		$	455		$	5,803		$	9,932		$	1,666		$	8,562		$	191		$	131		$	35,153
Provision for credit losses		150			(10	)		(251	)		(683	)		(33	)		1,464			(28	)		(109	)		500
Charge-offs		0			0			0			0			0			0			(15	)		0			(15	)
Recoveries		45			1			26			0			6			241			17			0			336
Ending balance	$	8,608		$	446		$	5,578		$	9,249		$	1,639		$	10,267		$	165		$	22		$	35,974
Balance at 12-31-21	$	10,782		$	420		$	6,045		$	12,990		$	2,006		$	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		(592	)		96			35			(1,207	)		240			2,057			(61	)		32			600
Charge-offs		(171	)		(29	)		0			0			0			(2	)		(18	)		0			(220	)
Recoveries		160			2			58			0			14			368			29			0			631
Ending balance	$	8,608		$	446		$	5,578		$	9,249		$	1,639		$	10,267		$	165		$	22		$	35,974

Financing Receivable, Modified, Financial Effect [Table Text Block]

	Interest Rate Reduction		Term Extension		Principal Forgiveness
Commercial:
Commercial and industrial	$	0	$	10,520,000	$	0
Vacant land, land development and residential construction		0		0		0
Real estate – owner occupied		0		207,000		0
Real estate – non-owner occupied		0		0		0
Real estate – multi-family and residential rental		0		0		0
Total commercial	$	0	$	10,727,000	$	0
Retail:
1-4 family mortgages		0		0		0
Other consumer loans		0		0		0
Total retail	$	0	$	0	$	0
Total loans	$	0	$	10,727,000	$	0

Financing Receivable, Modified, Amortized Cost [Table Text Block]

	Current		30 – 89 Days Past Due		90 + Days Past Due		Total
Commercial:
Commercial and industrial	$	10,520,000	$	0	$	0	$	10,520,000
Vacant land, land development and residential construction		0		0		0		0
Real estate – owner occupied		207,000		0		0		207,000
Real estate – non-owner occupied		0		0		0		0
Real estate – multi-family and residential rental		0		0		0		0
Total commercial	$	10,727,000	$	0	$	0	$	10,727,000
Retail:
1-4 family mortgages		0		0		0		0
Other consumer loans		0		0		0		0
Total retail	$	0	$	0	$	0	$	0
Total loans	$	10,727,000	$	0	$	0	$	10,727,000

Financing Receivable, Modified [Table Text Block]

	Number of Contracts		Pre- Modification Recorded Principal Balance		Post- Modification Recorded Principal Balance
Commercial:
Commercial and industrial		2	$	6,573,000	$	6,573,000
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		2		6,573,000		6,573,000
Retail:
1-4 family mortgages		1		84,000		84,000
Other consumer loans		0		0		0
Total retail		1		84,000		84,000
Total loans		3	$	6,657,000	$	6,657,000

	Number of Contracts		Pre- Modification Recorded Principal Balance		Post- Modification Recorded Principal Balance
Commercial:
Commercial and industrial		2	$	6,573,000	$	6,573,000
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		2		6,573,000		6,573,000
Retail:
1-4 family mortgages		3		212,000		212,000
Other consumer loans		0		0		0
Total retail		3		212,000		212,000
Total loans		5	$	6,785,000	$	6,785,000

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 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	$	2,829,000	$	0	$	89,000		$	143,000		$	90,000
Charge-Offs		0		0		0			0			0
Payments (net)		536,000		0		(2,000	)		(4,000	)		(2,000	)
Transfers to ORE		0		0		0			0			0
Net Additions/Deletions		6,573,000		0		0			0			0
Ending Balance	$	9,938,000	$	0	$	87,000		$	139,000		$	88,000

	Retail			Retail
	1-4 Family			Other Consumer
	Mortgages			Loans
Retail Loan Portfolio:
Beginning Balance	$	2,346,000		$	13,000
Charge-Offs		0			0
Payments (net)		(91,000	)		(10,000	)
Transfers to ORE		0			0
Net Additions/Deletions		84,000			0
Ending Balance	$	2,339,000		$	3,000

	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		0		0		0			0			0
Payments (net)		324,000		0		(9,679,000	)		(7,000	)		(3,000	)
Transfers to ORE		0		0		0			0			0
Net Additions/Deletions		4,641,000		0		(669,000	)		0			0
Ending Balance	$	9,938,000	$	0	$	87,000		$	139,000		$	88,000

	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)		(169,000	)		(12,000	)
Transfers to ORE		0			0
Net Additions/Deletions (1)		1,881,000			(1,187,000	)
Ending Balance	$	2,339,000		$	3,000