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

12 Months Ended

Dec. 31, 2023

Notes Tables

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

											Percent
	December 31, 2023					December 31, 2022					Increase
(Dollars in thousands)	Balance		%			Balance		%			(Decrease)
Commercial:
Commercial and industrial (1)	$	1,254,586		29.2	%	$	1,185,083		30.3	%		5.9	%
Vacant land, land development, and residential construction		74,753		1.7			61,873		1.6			20.8
Real estate – owner occupied		717,667		16.7			639,192		16.3			12.3
Real estate – non-owner occupied (3)		1,035,684		24.1			979,214		25.0			5.8
Real estate – multi-family and residential rental (3)		332,609		7.7			266,468		6.8			24.8
Total commercial		3,415,299		79.4			3,131,830		80.0			9.1
Retail:
1-4 family mortgages (2)		837,406		19.5			755,036		19.3			10.9
Other consumer loans (1)		51,053		1.1			29,753		0.7			71.6
Total retail		888,459		20.6			784,789		20.0			13.2
Total loans	$	4,303,758		100.0	%	$	3,916,619		100.0	%		9.9	%

Concentrations Within Loan Portfolio [Table Text Block]

	2023					2022
			Percentage					Percentage
			of					of
			Loan					Loan
(Dollars in thousands)	Balance		Portfolio			Balance		Portfolio
Commercial real estate loans to lessors of non-residential buildings	$	754,611		17.5	%	$	738,891		18.9	%

Financing Receivable, Past Due [Table Text Block]

													Recorded
					Greater								Balance >
	30 – 59		60 – 89		Than 89								89
	Days		Days		Days		Total				Total		Days and
(Dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Loans		Accruing
Commercial:
Commercial and industrial	$	4	$	0	$	249	$	253	$	1,254,333	$	1,254,586	$	0
Vacant land, land development, and residential construction		0		0		0		0		74,753		74,753		0
Real estate – owner occupied		0		0		70		70		717,597		717,667		0
Real estate – non-owner occupied		0		0		0		0		1,035,684		1,035,684		0
Real estate – multi-family and residential rental		0		0		0		0		332,609		332,609		0
Total commercial		4		0		319		323		3,414,976		3,415,299		0
Retail:
1-4 family mortgages		934		145		38		1,117		836,289		837,406		0
Other consumer loans		97		0		0		97		50,956		51,053		0
Total retail		1,031		145		38		1,214		887,245		888,459		0
Total past due loans	$	1,035	$	145	$	357	$	1,537	$	4,302,221	$	4,303,758	$	0

													Recorded
					Greater								Balance >
	30 – 59		60 – 89		Than 89								89
	Days		Days		Days		Total				Total		Days and
(Dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Loans		Accruing
Commercial:
Commercial and industrial	$	0	$	5,705	$	249	$	5,954	$	1,179,129	$	1,185,083	$	0
Vacant land, land development, and residential construction		0		0		0		0		61,873		61,873		0
Real estate – owner occupied		0		248		0		248		638,944		639,192		0
Real estate – non-owner occupied		0		0		0		0		979,214		979,214		0
Real estate – multi-family and residential rental		0		0		0		0		266,468		266,468		0
Total commercial		0		5,953		249		6,202		3,125,628		3,131,830		0
Retail:
1-4 family mortgages		1,334		88		116		1,538		753,498		755,036		0
Other consumer loans		15		1		0		16		29,737		29,753		0
Total retail		1,349		89		116		1,554		783,235		784,789		0
Total past due loans	$	1,349	$	6,042	$	365	$	7,756	$	3,908,863	$	3,916,619	$	0

Financing Receivable, Nonaccrual [Table Text Block]

	Recorded
	Principal		Related
(Dollars in thousands)	Balance		Allowance
With no allowance recorded:
Commercial:
Commercial and industrial	$	0	$	0
Vacant land, land development and residential construction		0		0
Real estate – owner occupied		70		0
Real estate – non-owner occupied		0		0
Real estate – multi-family and residential rental		0		0
Total commercial		70		0
Retail:
1-4 family mortgages		2,272		0
Other consumer loans		0		0
Total retail		2,272		0
Total with no allowance recorded	$	2,342	$	0
With an allowance recorded:
Commercial:
Commercial and industrial	$	249	$	1
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		1
Retail:
1-4 family mortgages		824		240
Other consumer loans		0		0
Total retail		824		240
Total with an allowance recorded	$	1,073	$	241
Total nonaccrual loans:
Commercial	$	319	$	1
Retail		3,096		240
Total nonaccrual loans	$	3,415	$	241

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

Financing Receivable Credit Quality Indicators [Table Text Block]

			Commercial
			Vacant Land,						Commercial
			Land		Commercial		Commercial		Real Estate -
	Commercial		Development,		Real Estate -		Real Estate -		Multi-Family
	and		and Residential		Owner		Non-Owner		and Residential
(Dollars in thousands)	Industrial		Construction		Occupied		Occupied		Rental
Internal credit risk grade groupings:
Grades 1 – 4	$	724,156	$	34,944	$	468,339	$	451,019	$	172,455
Grades 5 – 7		505,807		39,719		248,802		573,771		147,903
Grades 8 – 9		24,623		90		526		10,894		12,251
Total commercial	$	1,254,586	$	74,753	$	717,667	$	1,035,684	$	332,609

			Commercial
			Vacant Land,						Commercial
			Land		Commercial		Commercial		Real Estate -
	Commercial		Development,		Real Estate -		Real Estate -		Multi-Family
	and		and Residential		Owner		Non-Owner		and Residential
(Dollars in thousands)	Industrial		Construction		Occupied		Occupied		Rental
Internal credit risk grade groupings:
Grades 1 – 4 (1)	$	719,583	$	41,711	$	406,341	$	428,733	$	137,258
Grades 5 – 7		450,405		20,057		229,766		538,081		129,161
Grades 8 – 9		15,095		105		3,085		12,400		49
Total commercial	$	1,185,083	$	61,873	$	639,192	$	979,214	$	266,468

Financing Receivable by Origination Year [Table Text Block]

															Revolving		Grand
(Dollars in thousands)	2023		2022		2021		2020		2019		Prior		Term Total		Loans		Total
Commercial:
Commercial and Industrial:
Grades 1 – 4	$	103,531	$	79,883	$	90,107	$	20,577	$	5,978	$	9,160	$	309,236	$	414,920	$	724,156
Grades 5 – 7		174,668		57,979		20,075		18,361		7,450		119		278,652		227,155		505,807
Grades 8 – 9		3,671		2,122		277		0		0		0		6,070		18,553		24,623
Total	$	281,870	$	139,984	$	110,459	$	38,938	$	13,428	$	9,279	$	593,958	$	660,628	$	1,254,586
Current-period gross write-offs	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	218	$	218
Vacant Land, Land Development and Residential Construction:
Grades 1 – 4	$	24,875	$	6,570	$	1,108	$	2,110	$	0	$	281	$	34,944	$	0	$	34,944
Grades 5 – 7		17,799		21,244		138		2		40		496		39,719		0		39,719
Grades 8 – 9		9		0		0		0		0		81		90		0		90
Total	$	42,683	$	27,814	$	1,246	$	2,112	$	40	$	858	$	74,753	$	0	$	74,753
Current-period gross write-offs	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0
Real Estate – Owner Occupied:
Grades 1 – 4	$	205,379	$	110,130	$	85,982	$	47,630	$	14,362	$	2,908	$	466,391	$	1,948	$	468,339
Grades 5 – 7		111,197		63,271		27,729		27,029		9,419		439		239,084		9,718		248,802
Grades 8 – 9		0		417		0		38		0		71		526		0		526
Total	$	316,576	$	173,818	$	113,711	$	74,697	$	23,781	$	3,418	$	706,001	$	11,666	$	717,667
Current-period gross write-offs	$	0	$	14	$	0	$	0	$	0	$	40	$	54	$	0	$	54
Real Estate – Non-Owner Occupied:
Grades 1 – 4	$	109,125	$	84,912	$	113,846	$	102,279	$	27,664	$	13,193	$	451,019	$	0	$	451,019
Grades 5 – 7		233,471		118,464		109,238		88,315		6,148		18,135		573,771		0		573,771
Grades 8 – 9		10,894		0		0		0		0		0		10,894		0		10,894
Total	$	353,490	$	203,376	$	223,084	$	190,594	$	33,812	$	31,328	$	1,035,684	$	0	$	1,035,684
Current-period gross write-offs	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0
Real Estate – Multi-Family and Residential Rental:
Grades 1 – 4	$	36,038	$	28,512	$	64,244	$	35,129	$	4,883	$	3,649	$	172,455	$	0	$	172,455
Grades 5 – 7		72,916		55,964		4,816		9,372		2,699		2,136		147,903		0		147,903
Grades 8 – 9		11,250		0		0		1,001		0		0		12,251		0		12,251
Total	$	120,204	$	84,476	$	69,060	$	45,502	$	7,582	$	5,785	$	332,609	$	0	$	332,609
Current-period gross write-offs	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0	$	0
Total Commercial	$	1,114,823	$	629,468	$	517,560	$	351,843	$	78,643	$	50,668	$	2,743,005	$	672,294	$	3,415,299
Current-period gross write-offs	$	0	$	14	$	0	$	0	$	0	$	40	$	54	$	218	$	272
Retail:
1-4 Family Mortgages:
Performing	$	133,823	$	332,098	$	231,842	$	82,002	$	10,515	$	44,003	$	834,283	$	27	$	834,310
Nonperforming		108		1,728		305		0		10		945		3,096		0		3,096
Total	$	133,931	$	333,826	$	232,147	$	82,002	$	10,525	$	44,948	$	837,379	$	27	$	837,406
Current-period gross write-offs	$	0	$	174	$	0	$	0	$	0	$	240	$	414	$	0	$	414
								0
Other Consumer Loans:
Performing	$	5,138	$	2,569	$	1,664	$	608	$	651	$	716	$	11,346	$	39,707	$	51,053
Nonperforming		0		0		0		0		0		0		0		0		0
Total	$	5,138	$	2,569	$	1,664	$	608	$	651	$	716	$	11,346	$	39,707	$	51,053
Current-period gross write-offs	$	3	$	16	$	0	$	0	$	0	$	3	$	22	$	155	$	177
Total Retail	$	139,069	$	336,395	$	233,811	$	82,610	$	11,176	$	45,664	$	848,725	$	39,734	$	888,459
Current-period gross write-offs	$	3	$	190	$	0	$	0	$	0	$	243	$	436	$	155	$	591
Grand Total	$	1,253,892	$	965,863	$	751,371	$	434,453	$	89,819	$	96,332	$	3,591,730	$	712,028	$	4,303,758
Current-period gross write-offs	$	3	$	204	$	0	$	0	$	0	$	283	$	490	$	373	$	863

															Revolving		Grand
(Dollars in thousands)	2022		2021		2020		2019		2018		Prior		Term Total		Loans		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	$	152,034	$	89,125	$	44,196	$	10,079	$	12,018	$	428,733	$	0	$	428,733
Grades 5 – 7		176,216		142,647		133,163		35,200		13,456		37,399		538,081		0		538,081
Grades 8 – 9		6,712		5,688		0		0		0		0		12,400		0		12,400
Total	$	304,209	$	300,369	$	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	$	49,177	$	36,348	$	5,306	$	3,082	$	4,003	$	137,258	$	0	$	137,258
Grades 5 – 7		56,019		47,473		19,667		3,162		2,557		283		129,161		0		129,161
Grades 8 – 9		0		0		0		0		0		49		49		0		49
Total	$	95,361	$	96,650	$	56,015	$	8,468	$	5,639	$	4,335	$	266,468	$	0	$	266,468
Total Commercial	$	1,025,368	$	770,436	$	445,327	$	135,893	$	64,986	$	72,100	$	2,514,110	$	617,720	$	3,131,830
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	$	1,016,338	$	538,303	$	149,061	$	79,881	$	115,181	$	3,242,234	$	674,385	$	3,916,619

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

				Commercial
				vacant land,								Commercial
				land								real estate –
				development			Commercial			Commercial		multi-family
	Commercial			and			real estate –			real estate –		and		1-4			Other
	and			residential			owner			non-owner		residential		family			consumer
(Dollars in thousands)	industrial			construction			occupied			occupied		rental		mortgages			loans			Unallocated			Total
Allowance for credit losses:
Beginning balance	$	10,203		$	490		$	5,914		$	9,242	$	2,191	$	14,027		$	160		$	19		$	42,246
Credit risk reclassifications		90			0			0			0		0		(697	)		607			0			0
Balances, December 31, 2022 after reclassifications		10,293			490			5,914			9,242		2,191		13,330			767			19			42,246
Provision for credit losses		(2,822	)		(141	)		1,255			610		967		5,638			2,212			(19	)		7,700
Charge-offs		(218	)		0			(54	)		0		0		(414	)		(177	)		0			(863	)
Recoveries		188			35			71			0		26		432			79			0			831
Ending balance	$	7,441		$	384		$	7,186		$	9,852	$	3,184	$	18,986		$	2,881		$	0		$	49,914

				Commercial
				vacant land,									Commercial
				land									real estate –
				development			Commercial			Commercial			multi-family
	Commercial			and			real estate –			real estate –			and			1-4			Other
	and			residential			owner			non-owner			residential			family			consumer
(Dollars in thousands)	industrial			construction			occupied			occupied			rental			mortgages			loans			Unallocated			Total
Allowance for credit losses:
Beginning balance	$	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		946			138			378			(1,214	)		763			5,621			(111	)		29			6,550
Charge-offs		(171	)		(29	)		(38	)		0			0			(33	)		(21	)		0			(292	)
Recoveries		217			4			89			0			43			595			77			0			1,025
Ending balance	$	10,203		$	490		$	5,914		$	9,242		$	2,191		$	14,027		$	160		$	19		$	42,246

				Commercial
				vacant land,									Commercial
				land									real estate –
				development			Commercial			Commercial			multi-family
	Commercial			and			real estate –			real estate –			and		Home
	and			residential			owner			non-owner			residential		equity			1-4 family
(Dollars in thousands)	industrial			construction			occupied			occupied			rental		and other			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	)		(621	)		161		(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		$	12,990		$	2,006	$	626		$	2,449		$	45		$	35,363

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

	Interest Rate				Principal
(Dollars in thousands)	Reduction		Term Extension		Forgiveness
Commercial:
Commercial and industrial	$	0	$	17,919	$	0
Vacant land, land development and residential construction		0		0		0
Real estate – owner occupied		0		0		0
Real estate – non-owner occupied		0		10,894		0
Real estate – multi-family and residential rental		0		0		0
Total commercial	$	0	$	28,813	$	0
Retail:
1-4 family mortgages		0		0		0
Other consumer loans		0		0		0
Total retail	$	0	$	0	$	0
Total loans	$	0	$	28,813	$	0

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

			30 – 89 Days		90 + Days
(Dollars in thousands)	Current		Past Due		Past Due		Total
Commercial:
Commercial and industrial	$	17,919	$	0	$	0	$	17,919
Vacant land, land development and residential construction		0		0		0		0
Real estate – owner occupied		0		0		0		0
Real estate – non-owner occupied		10,894		0		0		10,894
Real estate – multi-family and residential rental		0		0		0		0
Total commercial	$	28,813	$	0	$	0	$	28,813
Retail:
1-4 family mortgages		0		0		0		0
Other consumer loans		0		0		0		0
Total retail	$	0	$	0	$	0	$	0
Total loans	$	28,813	$	0	$	0	$	28,813

Financing Receivable, Modified [Table Text Block]

			Pre-		Post-
			Modification		Modification
			Recorded		Recorded
	Number of		Principal		Principal
(Dollars in thousands)	Contracts		Balance		Balance
Commercial:
Commercial and industrial		3	$	6,593	$	6,593
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		6,593
Retail:
Home equity and other		0		0		0
1-4 family mortgages		7		758		757
Total retail		7		758		757
Total		10	$	7,351	$	7,350

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
(Dollars in thousands)	Contracts		Balance
Commercial:
Commercial and industrial		2	$	5,665
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		5,665
Retail:
Home equity and other		0		0
1-4 family mortgages		0		0
Total retail		0		0
Total		2		5,665

Trouble Debt Restructuring Activity [Table Text Block]

				Commercial
				Vacant Land,								Commercial
				Land								Real Estate -
				Development,		Commercial			Commercial			Multi-Family
	Commercial			and		Real Estate -			Real Estate -			and
	and			Residential		Owner			Non-Owner			Residential
(Dollars in thousands)	Industrial			Construction		Occupied			Occupied			Rental
Commercial Loan Portfolio:
Beginning Balance	$	4,973		$	0	$	10,435		$	146		$	91
Charge-Offs		(95	)		0		(39	)		0			0
Payments		(772	)		0		(9,683	)		(16	)		(91	)
Transfers to ORE		0			0		0			0			0
Net Additions/Deletions		4,566			0		(669	)		0			0
Ending Balance	$	8,672		$	0	$	44		$	130		$	0

	Retail			Retail
	Home Equity			1-4 Family
(Dollars in thousands)	and Other			Mortgages
Retail Loan Portfolio:
Beginning Balance	$	1,202		$	627
Charge-Offs		0			0
Payments		(14	)		(317	)
Transfers to ORE		0			0
Net Additions/Deletions		(1,187	)		2,426
Ending Balance	$	1		$	2,736

Retail Portfolio Segment [Member]

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

	Retail		Retail
	1-4 Family		Other
(Dollars in thousands)	Mortgages		Consumer Loans
Performing	$	834,310	$	51,053
Nonperforming		3,096		0
Total retail	$	837,406	$	51,053

	Retail		Retail
	1-4 Family		Other
(Dollars in thousands)	Mortgages		Consumer Loans
Performing	$	753,580	$	29,753
Nonperforming		1,456		0
Total retail	$	755,036	$	29,753