Note 4 - Loans (Tables)

12 Months Ended

Dec. 31, 2019

Notes Tables

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

	December 31, 2019
(dollars in thousands)	Legacy Loans		Purchased Loans		Total
Construction, land & land development	$	83,036	$	13,061	$	96,097
Other commercial real estate		481,943		58,296		540,239
Total commercial real estate		564,979		71,357		636,336
Residential real estate		171,341		23,455		194,796
Commercial , financial, & agricultural		91,535		22,825		114,360
Consumer & other		19,245		4,077		23,322
Total loans	$	847,100	$	121,714	$	968,814

	December 31, 2018
(dollars in thousands)	Legacy Loans		Purchased Loans		Total
Construction, land & land development	$	58,812	$	1,498	$	60,310
Other commercial real estate		429,184		6,777		435,961
Total commercial real estate		487,996		8,275		496,271
Residential real estate		185,577		2,015		187,592
Commercial , financial, & agricultural		66,131		8,035		74,166
Consumer & other		23,435		62		23,497
Total loans	$	763,139	$	18,387	$	781,526

Financing Receivable Credit Quality Indicators [Table Text Block]

	Pass		Special Mention		Substandard		Total Loans
(dollars in thousands)
Construction, land & land development	$	82,322	$	445	$	269	$	83,036
Other commercial real estate		459,064		13,438		9,441		481,943
Total commercial real estate		541,386		13,883		9,710		564,979
Residential real estate		159,194		4,632		7,515		171,341
Commercial , financial, & agricultural		86,558		1,973		3,004		91,535
Consumer & other		18,883		148		214		19,245
Total loans	$	806,021	$	20,636	$	20,443	$	847,100

	Pass		Special Mention		Substandard		Total Loans
(dollars in thousands)
Construction, land & land development	$	12,996	$	-	$	65	$	13,061
Other commercial real estate		57,881		381		34		58,296
Total commercial real estate		70,877		381		99		71,357
Residential real estate		23,097		249		109		23,455
Commercial , financial, & agricultural		19,443		2,949		433		22,825
Consumer & other		4,077		-		-		4,077
Total loans		117,494		3,579		641		121,714

	Pass		Special Mention		Substandard		Total Loans
(dollars in thousands)
Construction, land & land development	$	58,050	$	45	$	717	$	58,812
Other commercial real estate		409,793		9,574		9,817		429,184
Total commercial real estate		467,843		9,619		10,534		487,996
Residential real estate		167,913		7,107		10,557		185,577
Commercial , financial, & agricultural		63,394		1,366		1,371		66,131
Consumer & other		23,045		64		326		23,435
Total loans	$	722,195	$	18,156	$	22,788	$	763,139

	Pass		Special		Substandard		Total Loans
(dollars in thousands)
Construction, land & land development	$	1,498	$	-	$	-	$	1,498
Other commercial real estate		6,777		-		-		6,777
Total commercial real estate		8,275		-		-		8,275
Residential real estate		2,015		-		-		2,015
Commercial , financial, & agricultural		8,035		-		-		8,035
Consumer & other		62		-		-		62
Total loans		18,387		-		-		18,387

Financing Receivable, Past Due [Table Text Block]

	Accruing Loans
			90 Days
	30-89 Days		or More		Total Accruing		Nonaccrual
	Past Due		Past Due		Loans Past Due		Loans		Current Loans		Total Loans
(dollars in thousands)
Construction, land & land development	$	50	$	-	$	50	$	32	$	82,954	$	83,036
Other commercial real estate		335		-		335		3,738		477,870		481,943
Total commercial real estate		385		-		385		3,770		560,824		564,979
Residential real estate		1,296		-		1,296		3,643		166,402		171,341
Commercial , financial, & agricultural		212		-		212		1,628		89,695		91,535
Consumer & other		21		-		21		138		19,086		19,245
Total loans	$	1,914	$	-	$	1,914	$	9,179	$	836,007	$	847,100

	Accruing Loans
			90 Days
	30-89 Days		or More		Total Accruing		Nonaccrual
	Past Due		Past Due		Loans Past Due		Loans		Current Loans		Total Loans
(dollars in thousands)
Construction, land & land development	$	-	$	-	$	-	$	96	$	12,965	$	13,061
Other commercial real estate		83		-		83		34		58,179		58,296
Total commercial real estate		83		-		83		130		71,144		71,357
Residential real estate		57		-		57		85		23,313		23,455
Commercial , financial, & agricultural		553		-		553		433		21,839		22,825
Consumer & other		8		-		8		-		4,069		4,077
Total loans	$	701	$	-	$	701	$	648	$	120,365	$	121,714

	Accruing Loans
			90 Days
	30-89 Days		or More		Total Accruing		Nonaccrual
	Past Due		Past Due		Loans Past Due		Loans		Current Loans		Total Loans
(dollars in thousands)
Construction, land & land development	$	88	$	-	$	88	$	463	$	58,349	$	58,812
Other commercial real estate		755		-		755		5,018		424,166		429,184
Total commercial real estate		843		-		843		5,481		482,515		487,996
Residential real estate		6,882		-		6,882		2,734		182,843		185,577
Commercial , financial, & agricultural		399		-		399		1,050		65,081		66,131
Consumer & other		110		-		110		217		23,218		23,435
Total loans	$	8,234	$	-	$	8,234	$	9,482	$	753,657	$	763,139

	Accruing Loans
			90 Days
	30-89 Days		or More		Total Accruing		Nonaccrual
	Past Due		Past Due		Loans Past Due		Loans		Current Loans		Total Loans
(dollars in thousands)
Construction, land & land development	$	-	$	-	$	-	$	-	$	1,498	$	1,498
Other commercial real estate		-		-		-		-		6,777		6,777
Total commercial real estate		-		-		-		-		8,275		8,275
Residential real estate		-		-		-		-		2,015		2,015
Commercial , financial, & agricultural		-		-		-		-		8,035		8,035
Consumer & other		-		-		-		-		62		62
Total loans	$	-	$	-	$	-	$	-	$	18,387	$	18,387

Impaired Financing Receivables [Table Text Block]

	Unpaid
	Contractual						Average
	Principal		Recorded		Related		Recorded
(dollars in thousands)	Balance		investment		allowance		Investment
With No Related Allowance Recorded
Construction, land & land development	$	67	$	67	$	-	$	168
Commercial real estate		12,455		11,639		-		13,924
Residential real estate		2,706		2,711		-		3,693
Commercial, financial & agricultural		257		257		-		910
Consumer & other		-		-		-		123
Total Impaired Loans with no Allowance		15,485		14,674		-		18,818
With An Allowance Recorded
Construction, land & land development		-		-		-		80
Commercial real estate		6,379		6,385		1,939		3,898
Residential real estate		757		760		137		367
Commercial, financial & agricultural		2,189		1,989		1,073		722
Consumer & other		-		-		-		-
Total Impaired Loans with Allowance		9,325		9,134		3,149		5,067
Purchased Credit Impaired Loans
Construction, land & land development		65		65		-		80
Commercial real estate		34		34		-		35
Residential real estate		11		11		6		24
Commercial, financial & agricultural		37		37		-		47
Consumer & other		-		-		-		-
Total Purchased Credit Impaired Loans		147		147		6		186
Total
Construction, land & land development		132		132		-		328
Commercial real estate		18,868		18,058		1,939		17,857
Residential real estate		3,474		3,482		143		4,084
Commercial, financial & agricultural		2,483		2,283		1,073		1,679
Consumer & other		-		-		-		123
	$	24,957	$	23,955	$	3,155	$	24,071

	Unpaid
	Contractual						Average
	Principal		Recorded		Related		Recorded
(dollars in thousands)	Balance		Investment		Allowance		Investment
With No Related
Allowance Recorded
Construction, land & land development	$	132	$	132	$	-	$	69
Commercial real estate		14,218		14,216		-		12,401
Residential real estate		4,214		4,130		-		4,067
Commercial, financial & agricultural		1,029		1,008		-		909
Consumer & other		217		217		-		198
		19,810		19,703		-		17,644
With An Allowance Recorded
Construction, land & land development		399		399		39		466
Commercial real estate		4,055		4,055		1,312		5,489
Residential real estate		274		274		61		98
Commercial, financial & agricultural		42		42		6		8
Consumer & other		-		-		-		-
		4,770		4,770		1,418		6,061
Total
Construction, land & land development		531		531		39		535
Commercial real estate		18,273		18,271		1,312		17,890
Residential real estate		4,488		4,404		61		4,165
Commercial, financial & agricultural		1,071		1,050		6		917
Consumer & other		217		217		-		198
	$	24,580	$	24,473	$	1,418	$	23,705