Note 7 - Loans and the 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			2020
	(Dollars in thousands)
Real estate loans:
Construction and land	$	548,528		$	403,065
Farmland		87,463			55,883
1-4 family residential		467,699			468,650
Multi-family residential		97,508			95,707
Nonfarm nonresidential		1,144,426			971,603
Commercial		721,385			886,325
Consumer and other		122,599			110,122
Total loans held for investment		3,189,608			2,991,355
Less:
Allowance for loan losses		(29,112	)		(22,024	)
Net loans	$	3,160,496		$	2,969,331

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

	December 31, 2021
	(Dollars in thousands)
	Real Estate:						Real Estate:			Real Estate:			Real Estate:
	Construction			Real Estate:			1-4 Family			Multi-family			Nonfarm						Consumer
	and Land			Farmland			Residential			Residential			Nonresidential			Commercial			and Other			Total
Allowance for credit losses:
Beginning Balance	$	3,584		$	600		$	3,453		$	818		$	7,369		$	5,018		$	1,182		$	22,024
Charge-offs		(28	)		(1	)		(169	)		-			(139	)		(830	)		(469	)		(1,636	)
Recoveries		1			2			39			-			99			417			119			677
Provision		941			120			468			(44	)		2,465			3,753			344			8,047
Ending Balance	$	4,498		$	721		$	3,791		$	774		$	9,794		$	8,358		$	1,176		$	29,112
Ending Balance:
Individually evaluated for impairment	$	26		$	-		$	110		$	-		$	83		$	438		$	37		$	694
Collectively evaluated for impairment	$	4,472		$	721		$	3,681		$	774		$	9,711		$	7,920		$	1,139		$	28,418
Purchased Credit Impaired	$	-		$	-		$	-		$	-		$	-		$	-		$	-		$	-
Loans receivable:
Ending Balance	$	548,528		$	87,463		$	467,699		$	97,508		$	1,144,426		$	721,385		$	122,599		$	3,189,608
Ending Balance:
Individually evaluated for impairment	$	1,358		$	74		$	3,627		$	-		$	2,959		$	5,514		$	289		$	13,821
Collectively evaluated for impairment	$	546,164		$	87,387		$	444,934		$	97,508		$	1,118,836		$	708,346		$	121,392		$	3,124,567
Purchased Credit Impaired	$	1,006		$	2		$	19,138		$	-		$	22,631		$	7,525		$	918		$	51,220

	December 31, 2020
	(Dollars in thousands)
	Real Estate:						Real Estate:			Real Estate:		Real Estate:
	Construction			Real Estate:			1-4 Family			Multi-family		Nonfarm						Consumer
	and Land			Farmland			Residential			Residential		Nonresidential			Commercial			and Other			Total
Allowance for credit losses:
Beginning balance	$	1,868		$	229		$	1,888		$	226	$	3,882		$	3,414		$	617		$	12,124
Charge-offs		(26	)		(2	)		(387	)		-		(232	)		(849	)		(467	)		(1,963	)
Recoveries		10			-			53			-		12			203			150			428
Provision		1,732			373			1,899			592		3,707			2,250			882			11,435
Ending Balance	$	3,584		$	600		$	3,453		$	818	$	7,369		$	5,018		$	1,182		$	22,024
Ending Balance:
Individually evaluated for impairment	$	27		$	93		$	62		$	-	$	119		$	609		$	104		$	1,014
Collectively evaluated for impairment	$	3,557		$	507		$	3,391		$	818	$	7,250		$	4,409		$	1,078		$	21,010
Purchased Credit Impaired	$	-		$	-		$	-		$	-	$	-		$	-		$	-		$	-
Loans receivable:
Ending Balance	$	403,065		$	55,883		$	468,650		$	95,707	$	971,603		$	886,325		$	110,122		$	2,991,355
Ending Balance:
Individually evaluated for impairment	$	924		$	299		$	2,957		$	-	$	3,525		$	5,517		$	335		$	13,557
Collectively evaluated for impairment	$	401,134		$	55,516		$	438,240		$	95,707	$	939,422		$	875,611		$	107,908		$	2,913,538
Purchased Credit Impaired	$	1,007		$	68		$	27,453		$	-	$	28,656		$	5,197		$	1,879		$	64,260

Financing Receivable Credit Quality Indicators [Table Text Block]

	December 31, 2021
	Pass		Special Mention		Substandard		Doubtful		Total
	(Dollars in thousands)
Real Estate Loans:
Construction and land	$	545,071	$	266	$	1,850	$	1,341	$	548,528
Farmland		86,063		1,324		-		76		87,463
1-4 family residential		456,150		3,109		2,801		5,639		467,699
Multi-family residential		97,485		-		23		-		97,508
Nonfarm nonresidential		1,094,782		34,495		9,735		5,414		1,144,426
Commercial		704,755		7,886		3,137		5,607		721,385
Consumer and other		121,566		350		257		426		122,599
Total	$	3,105,872	$	47,430	$	17,803	$	18,503	$	3,189,608

	December 31, 2020
	Pass		Special Mention		Substandard		Doubtful		Total
	(Dollars in thousands)
Real Estate Loans:
Construction and land	$	400,027	$	912	$	1,202	$	924	$	403,065
Farmland		53,874		1,642		-		367		55,883
1-4 family residential		450,702		9,290		4,913		3,745		468,650
Multi-family residential		95,359		320		28		-		95,707
Nonfarm nonresidential		949,245		12,810		3,473		6,075		971,603
Commercial		859,851		16,832		7,325		2,317		886,325
Consumer and other		107,449		1,970		229		474		110,122
Total	$	2,916,507	$	43,776	$	17,170	$	13,902	$	2,991,355

Financing Receivable, Past Due [Table Text Block]

	December 31, 2021
	(Dollars in thousands)
													Recorded
					Greater								Investment Over
	30-59 Days		60-89 Days		Than 90 Days		Total				Total Loans		90 Days Past Due
	Past Due		Past Due		Past Due		Past Due		Current		Receivable		and Still Accruing
Real Estate Loans:
Construction and land	$	632	$	16	$	488	$	1,136	$	547,392	$	548,528	$	-
Farmland		83		-		-		83		87,380		87,463		-
1-4 family residential		917		534		1,496		2,947		464,752		467,699		107
Multi-family residential		-		-		-		-		97,508		97,508		-
Nonfarm nonresidential		222		627		1,767		2,616		1,141,810		1,144,426		-
Commercial		106		55		4,257		4,418		716,967		721,385		97
Consumer and other		392		144		271		807		121,792		122,599		18
Total	$	2,352	$	1,376	$	8,279	$	12,007	$	3,177,601	$	3,189,608	$	222

	December 31, 2020
	(Dollars in thousands)
													Recorded
					Greater								Investment Over
	30-59 Days		60-89 Days		Than 90 Days		Total				Total Loans		90 Days Past Due
	Past Due		Past Due		Past Due		Past Due		Current		Receivable		and Still Accruing
Real Estate Loans:
Construction and land	$	874	$	75	$	972	$	1,921	$	401,144	$	403,065	$	72
Farmland		-		11		289		300		55,583		55,883		-
1-4 family residential		3,162		1,160		1,927		6,249		462,401		468,650		603
Multi-family residential		-		-		-		-		95,707		95,707		-
Nonfarm nonresidential		2,651		1,049		2,514		6,214		965,389		971,603		315
Commercial		2,618		549		1,925		5,092		881,233		886,325		511
Consumer and other		389		33		283		705		109,417		110,122		22
Total	$	9,694	$	2,877	$	7,910	$	20,481	$	2,970,874	$	2,991,355	$	1,523

Financing Receivable, Nonaccrual [Table Text Block]

	December 31,
	2021		2020
	(Dollars in thousands)
Real Estate Loans:
Construction and land	$	1,341	$	924
Farmland		76		367
1-4 family residential		3,601		2,603
Multi-family residential		-		-
Nonfarm nonresidential		2,614		3,119
Commercial		4,947		1,753
Consumer and other		289		297
Total	$	12,868	$	9,063

Impaired Financing Receivables [Table Text Block]

	December 31, 2021
	(Dollars in thousands)
			Unpaid				Average
	Recorded		Principal		Related		Recorded
	Investment		Balance		Allowance		Investment
With an allowance recorded:
Real Estate Loans:
Construction and land	$	68	$	70	$	27	$	27
Farmland		-		-		-		12
1-4 family residential		314		371		110		325
Multi-family residential		-		-		-		-
Nonfarm nonresidential		784		801		83		623
Other Loans:
Commercial		695		836		438		1,217
Consumer and other		91		92		36		80
Total	$	1,952	$	2,170	$	694	$	2,284
With no allowance recorded:
Real Estate Loans:
Construction and land	$	1,290	$	1,356	$	-	$	1,050
Farmland		74		82		-		150
1-4 family residential		3,313		4,171		-		2,835
Multi-family residential		-		-		-		48
Nonfarm nonresidential		2,175		2,691		-		2,889
Other Loans:
Commercial		4,819		5,211		-		3,882
Consumer and other		198		467		-		184
Total	$	11,869	$	13,978	$	-	$	11,038
Total Impaired Loans:
Real Estate Loans:
Construction and land	$	1,358	$	1,426	$	27	$	1,077
Farmland		74		82		-		162
1-4 family residential		3,627		4,542		110		3,160
Multi-family residential		-		-		-		48
Nonfarm nonresidential		2,959		3,492		83		3,512
Other Loans:
Commercial		5,514		6,047		438		5,099
Consumer and other		289		559		36		264
Total	$	13,821	$	16,148	$	694	$	13,322

	December 31, 2020
	(Dollars in thousands)
			Unpaid				Average
	Recorded		Principal		Related		Recorded
	Investment		Balance		Allowance		Investment
With an allowance recorded:
Real Estate Loans:
Construction and land	$	27	$	27	$	27	$	2
Farmland		109		112		93		27
1-4 family residential		337		361		62		361
Multi-family residential		-		-		-		-
Nonfarm nonresidential		457		457		119		652
Other Loans:
Commercial		2,530		2,636		609		1,655
Consumer and other		133		145		104		158
Total	$	3,593	$	3,738	$	1,014	$	2,855
With no allowance recorded:
Real Estate Loans:
Construction and land	$	897	$	939	$	-	$	520
Farmland		190		197		-		208
1-4 family residential		2,620		3,388		-		3,091
Multi-family residential		-		-		-		-
Nonfarm nonresidential		3,068		3,534		-		3,325
Other Loans:
Commercial		2,987		3,017		-		3,569
Consumer and other		202		239		-		324
Total	$	9,964	$	11,314	$	-	$	11,037
Total Impaired Loans:
Real Estate Loans:
Construction and land	$	924	$	966	$	27	$	522
Farmland		299		309		93		235
1-4 family residential		2,957		3,749		62		3,452
Multi-family residential		-		-		-		-
Nonfarm nonresidential		3,525		3,991		119		3,977
Other Loans:
Commercial		5,517		5,653		609		5,224
Consumer and other		335		384		104		482
Total	$	13,557	$	15,052	$	1,014	$	13,892

Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Table Text Block]

	Purchased
	Impaired Credits
	(Dollars in thousands)
Contractually required payments	$	133,621
Non-accretable difference (expected losses)		(49,828	)
Cash flows expected to be collected at acquisition		83,793
Accretable yield		(9,202	)
Basis in acquired loans at acquisition	$	74,591

Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Table Text Block]

Balance at December 31, 2020	$	15,853
Transfers from non-accretable difference to accretable yield		5,742
Accretion		(1,770	)
Changes in expected cash flows not affecting non-accretable differences		834
Balance at December 31, 2021	$	20,659