Note 4 - Credit Quality (Tables)

6 Months Ended

Jun. 30, 2022

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

	June 30, 2022
			Special
(Amounts in thousands)	Pass		Mention		Substandard		Doubtful		Loss		Total
Commercial loans
Construction, development, and other land	$	91,872	$	417	$	551	$	-	$	-	$	92,840
Commercial and industrial		136,353		982		2,457		-		-		139,792
Multi-family residential		123,403		649		222		-		-		124,274
Single family non-owner occupied		184,275		2,287		8,551		-		-		195,113
Non-farm, non-residential		723,467		16,794		12,108		-		-		752,369
Agricultural		9,754		54		179		-		-		9,987
Farmland		10,584		603		1,646		-		-		12,833
Consumer real estate loans
Home equity lines		75,540		430		3,029		-		-		78,999
Single family owner occupied		692,766		2,041		27,563		-		-		722,370
Owner occupied construction		17,167		-		164		-		-		17,331
Consumer and other loans
Consumer loans		145,934		11		2,796		-		-		148,741
Other		5,149		-		-		-		-		5,149
Total loans	$	2,216,264	$	24,268	$	59,266	$	-	$	-	$	2,299,798

	December 31, 2021
			Special
(Amounts in thousands)	Pass		Mention		Substandard		Doubtful		Loss		Total
Commercial loans
Construction, development, and other land	$	64,498	$	451	$	857	$	-	$	-	$	65,806
Commercial and industrial		128,770		1,005		3,855		-		-		133,630
Multi-family residential		98,457		1,090		855		-		-		100,402
Single family non-owner occupied		186,184		3,607		8,977		10		-		198,778
Non-farm, non-residential		665,559		25,624		16,323		-		-		707,506
Agricultural		8,758		70		513		-		-		9,341
Farmland		11,939		633		2,441		-		-		15,013
Consumer real estate loans
Home equity lines		76,259		426		3,172		-		-		79,857
Single family owner occupied		671,459		2,420		29,985		-		-		703,864
Owner occupied construction		16,629		-		281		-		-		16,910
Consumer and other loans
Consumer loans		127,514		16		2,264		-		-		129,794
Other		4,668		-		-		-		-		4,668
Total loans	$	2,060,694	$	35,342	$	69,523	$	10	$	-	$	2,165,569

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at June 30, 2022	2022		2021		2020		2019		2018		Prior		Revolving		Total
Construction, development
and other land
Pass	$	19,079	$	49,774	$	10,616	$	2,732	$	3,037	$	6,280	$	354	$	91,872
Special Mention		-		-		-		-		111		270		36		417
Substandard		-		-		255		36		12		248		-		551
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total construction, development, and other land	$	19,079	$	49,774	$	10,871	$	2,768	$	3,160	$	6,798	$	390	$	92,840
Commercial and industrial
Pass	$	44,408	$	28,875	$	15,160	$	10,273	$	11,012	$	8,013	$	16,545	$	134,286
Special Mention		-		25		35		601		226		-		95		982
Substandard		145		176		222		588		231		578		517		2,457
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total commercial and industrial	$	44,553	$	29,076	$	15,417	$	11,462	$	11,469	$	8,591	$	17,157	$	137,725
Paycheck Protection Loans
Pass	$	-	$	2,038	$	29	$	-	$	-	$	-	$	-	$	2,067
Special Mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total Paycheck Protection Loans	$	-	$	2,038	$	29	$	-	$	-	$	-	$	-	$	2,067
Multi-family residential
Pass	$	33,938	$	10,932	$	23,800	$	4,354	$	1,807	$	47,638	$	934	$	123,403
Special Mention		-		-		-		-		-		649		-		649
Substandard		-		-		-		-		-		222		-		222
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total multi-family residential	$	33,938	$	10,932	$	23,800	$	4,354	$	1,807	$	48,509	$	934	$	124,274
Non-farm, non-residential
Pass	$	134,331	$	139,073	$	129,979	$	57,546	$	39,902	$	208,618	$	14,018	$	723,467
Special Mention		-		1,969		868		1,216		2,571		10,020		150		16,794
Substandard		-		1,144		692		2,471		722		6,851		228		12,108
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total non-farm, non-residential	$	134,331	$	142,186	$	131,539	$	61,233	$	43,195	$	225,489	$	14,396	$	752,369
Agricultural
Pass	$	2,560	$	3,779	$	1,258	$	601	$	407	$	715	$	434	$	9,754
Special Mention		-		37		17		-		-		-		-		54
Substandard		-		40		7		84		36		12		-		179
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total agricultural	$	2,560	$	3,856	$	1,282	$	685	$	443	$	727	$	434	$	9,987
Farmland
Pass	$	166	$	727	$	1,002	$	77	$	903	$	6,176	$	1,533	$	10,584
Special Mention		-		110		-		-		232		261		-		603
Substandard		-		-		13		-		257		1,376		-		1,646
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total farmland	$	166	$	837	$	1,015	$	77	$	1,392	$	7,813	$	1,533	$	12,833

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at June 30, 2022	2022		2021		2020		2019		2018		Prior		Revolving		Total
Home equity lines
Pass	$	1,026	$	102	$	-	$	-	$	62	$	861	$	73,489	$	75,540
Special Mention		-		-		-		-		-		-		430		430
Substandard		-		-		85		36		205		1,253		1,450		3,029
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total home equity lines	$	1,026	$	102	$	85	$	36	$	267	$	2,114	$	75,369	$	78,999
Single family Mortgage
Pass	$	92,181	$	235,009	$	213,126	$	54,675	$	39,796	$	241,066	$	1,188	$	877,041
Special Mention		-		387		85		372		266		3,218		-		4,328
Substandard		382		1,041		715		1,082		2,172		30,722		-		36,114
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total single family owner and non-owner occupied	$	92,563	$	236,437	$	213,926	$	56,129	$	42,234	$	275,006	$	1,188	$	917,483
Owner occupied construction
Pass	$	2,591	$	11,768	$	2,005	$	32	$	16	$	755	$	-	$	17,167
Special Mention		-		-		-		-		-		-		-		-
Substandard		-		-		163		-		-		1		-		164
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total owner occupied construction	$	2,591	$	11,768	$	2,168	$	32	$	16	$	756	$	-	$	17,331
Consumer loans
Pass	$	53,360	$	49,325	$	22,059	$	11,474	$	3,844	$	8,796	$	2,225	$	151,083
Special Mention		-		3		-		7		-		-		1		11
Substandard		55		1,049		730		645		52		189		76		2,796
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total consumer loans	$	53,415	$	50,377	$	22,789	$	12,126	$	3,896	$	8,985	$	2,302	$	153,890

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at June 30, 2022	2022		2021		2020		2019		2018		Prior		Revolving		Total
Total Loans
Pass	$	383,640	$	531,402	$	419,034	$	141,764	$	100,786	$	528,918	$	110,720	$	2,216,264
Special Mention		-		2,531		1,005		2,196		3,406		14,418		712		24,268
Substandard		582		3,450		2,882		4,942		3,687		41,452		2,271		59,266
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total loans	$	384,222	$	537,383	$	422,921	$	148,902	$	107,879	$	584,788	$	113,703	$	2,299,798

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2021	2021		2020		2019		2018		2017		Prior		Revolving		Total
Construction, development
and other land
Pass	$	40,207	$	10,127	$	3,081	$	3,704	$	1,308	$	5,717	$	354	$	64,498
Special Mention		-		266		-		128		-		21		36		451
Substandard		-		-		128		11		291		427		-		857
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total construction, development, and other land	$	40,207	$	10,393	$	3,209	$	3,843	$	1,599	$	6,165	$	390	$	65,806
Commercial and industrial
Pass	$	34,539	$	18,887	$	13,679	$	13,772	$	4,817	$	5,890	$	16,544	$	108,128
Special Mention		32		60		597		192		28		-		96		1,005
Substandard		184		355		706		384		842		866		518		3,855
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total commercial and industrial	$	34,755	$	19,302	$	14,982	$	14,348	$	5,687	$	6,756	$	17,158	$	112,988
Paycheck Protection Loans
Pass	$	16,482	$	4,160	$	-	$	-	$	-	$	-	$	-	$	20,642
Special Mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total Paycheck Protection Loans	$	16,482	$	4,160	$	-	$	-	$	-	$	-	$	-	$	20,642
Multi-family residential
Pass	$	11,307	$	24,299	$	4,644	$	1,897	$	8,413	$	46,962	$	935	$	98,457
Special Mention		-		-		-		-		-		1,090		-		1,090
Substandard		-		-		-		-		-		855		-		855
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total multi-family residential	$	11,307	$	24,299	$	4,644	$	1,897	$	8,413	$	48,907	$	935	$	100,402
Non-farm, non-residential
Pass	$	147,978	$	146,381	$	62,651	$	50,943	$	43,776	$	199,812	$	14,018	$	665,559
Special Mention		397		3,334		823		2,595		9,190		9,135		150		25,624
Substandard		1,161		711		2,508		2,531		3,232		5,953		227		16,323
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total non-farm, non-residential	$	149,536	$	150,426	$	65,982	$	56,069	$	56,198	$	214,900	$	14,395	$	707,506
Agricultural
Pass	$	4,564	$	1,548	$	998	$	534	$	346	$	335	$	433	$	8,758
Special Mention		43		27		-		-		-		-		-		70
Substandard		44		11		282		39		17		120		-		513
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total agricultural	$	4,651	$	1,586	$	1,280	$	573	$	363	$	455	$	433	$	9,341
Farmland
Pass	$	428	$	1,047	$	82	$	1,125	$	887	$	6,835	$	1,535	$	11,939
Special Mention		189		-		-		240		5		199		-		633
Substandard		-		14		519		249		264		1,395		-		2,441
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total farmland	$	617	$	1,061	$	601	$	1,614	$	1,156	$	8,429	$	1,535	$	15,013

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2021	2021		2020		2019		2018		2017		Prior		Revolving		Total
Home equity lines
Pass	$	115	$	59	$	-	$	25	$	2	$	2,168	$	73,890	$	76,259
Special Mention		-		-		-		-		-		-		426		426
Substandard		-		-		28		249		128		1,316		1,451		3,172
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total home equity lines	$	115	$	59	$	28	$	274	$	130	$	3,484	$	75,767	$	79,857
Single family Mortgage
Pass	$	239,917	$	225,294	$	61,925	$	46,716	$	41,757	$	240,845	$	1,189	$	857,643
Special Mention		399		510		937		269		137		3,775		-		6,027
Substandard		1,213		799		1,475		1,668		1,878		31,929		-		38,962
Doubtful		-		-		-		-		-		10		-		10
Loss		-		-		-		-		-		-		-		-
Total single family owner and non-owner occupied	$	241,529	$	226,603	$	64,337	$	48,653	$	43,772	$	276,559	$	1,189	$	902,642
Owner occupied construction
Pass	$	9,689	$	4,729	$	178	$	22	$	428	$	1,583	$	-	$	16,629
Special Mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		281		-		281
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total owner occupied construction	$	9,689	$	4,729	$	178	$	22	$	428	$	1,864	$	-	$	16,910
Consumer loans
Pass	$	65,018	$	31,065	$	16,548	$	4,980	$	2,306	$	10,040	$	2,225	$	132,182
Special Mention		-		-		16		-		-		-		-		16
Substandard		328		663		824		107		78		186		78		2,264
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total consumer loans	$	65,346	$	31,728	$	17,388	$	5,087	$	2,384	$	10,226	$	2,303	$	134,462

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2021	2021		2020		2019		2018		2017		Prior		Revolving		Total
Total Loans
Pass	$	570,244	$	467,596	$	163,786	$	123,718	$	104,040	$	520,187	$	111,123	$	2,060,694
Special Mention		1,060		4,197		2,373		3,424		9,360		14,220		708		35,342
Substandard		2,930		2,553		6,470		5,238		6,730		43,328		2,274		69,523
Doubtful		-		-		-		-		-		10		-		10
Loss		-		-		-		-		-		-		-		-
Total loans	$	574,234	$	474,346	$	172,629	$	132,380	$	120,130	$	577,745	$	114,105	$	2,165,569

Financing Receivable, Nonaccrual [Table Text Block]

	June 30, 2022						December 31, 2021
(Amounts in thousands)	No Allowance		With an Allowance		Total		No Allowance		With an Allowance		Total
Commercial loans
Construction, development, and other land	$	277	$	-	$	277	$	409	$	-	$	409
Commercial and industrial		435		-		435		1,734		-		1,734
Multi-family residential		266		-		266		208		-		208
Single family non-owner occupied		2,132		-		2,132		2,304		-		2,304
Non-farm, non-residential		2,815		-		2,815		3,439		1,100		4,539
Agricultural		22		-		22		136		-		136
Farmland		133		-		133		222		-		222
Consumer real estate loans
Home equity lines		775		-		775		767		-		767
Single family owner occupied		8,816		-		8,816		8,957		-		8,957
Owner occupied construction		-		-		-		-		-		-
Consumer and other loans
Consumer loans		2,155		-		2,155		1,492		-		1,492
Total nonaccrual loans	$	17,826	$	-	$	17,826	$	19,668	$	1,100	$	20,768

Financing Receivable, Past Due [Table Text Block]

	June 30, 2022
													Amortized Cost of
	30 - 59 Days		60 - 89 Days		90+ Days		Total		Current		Total		> 90 Days Accruing
(Amounts in thousands)	Past Due		Past Due		Past Due		Past Due		Loans		Loans		No Allowance
Commercial loans
Construction, development, and other land	$	231	$	252	$	25	$	508	$	92,332	$	92,840	$	-
Commercial and industrial		346		84		192		622		139,170		139,792		-
Multi-family residential		148		-		-		148		124,126		124,274		-
Single family non-owner occupied		180		327		502		1,009		194,104		195,113		-
Non-farm, non-residential		90		16		2,050		2,156		750,213		752,369		-
Agricultural		16		-		13		29		9,958		9,987		-
Farmland		-		-		133		133		12,700		12,833		-
Consumer real estate loans
Home equity lines		405		123		469		997		78,002		78,999		-
Single family owner occupied		3,977		2,471		3,017		9,465		712,905		722,370		-
Owner occupied construction		-		-		-		-		17,331		17,331		-
Consumer and other loans
Consumer loans		3,002		1,035		1,176		5,213		143,528		148,741		-
Other		-		-		-		-		5,149		5,149		-
Total loans	$	8,395	$	4,308	$	7,577	$	20,280	$	2,279,518	$	2,299,798	$	-

	December 31, 2021
													Amortized Cost of
	30 - 59 Days		60 - 89 Days		90+ Days		Total		Current		Total		> 90 Days Accruing
(Amounts in thousands)	Past Due		Past Due		Past Due		Past Due		Loans		Loans		No Allowance
Commercial loans
Construction, development, and other land	$	52	$	-	$	120	$	172	$	65,634	$	65,806	$	-
Commercial and industrial		325		35		1,394		1,754		131,876		133,630		-
Multi-family residential		97		-		-		97		100,305		100,402		-
Single family non-owner occupied		1,210		583		795		2,588		196,190		198,778		-
Non-farm, non-residential		1,002		441		2,333		3,776		703,730		707,506		-
Agricultural		73		7		101		181		9,160		9,341		-
Farmland		52		-		222		274		14,739		15,013		-
Consumer real estate loans
Home equity lines		275		388		333		996		78,861		79,857		-
Single family owner occupied		4,740		2,584		3,880		11,204		692,660		703,864		-
Owner occupied construction		139		-		-		139		16,771		16,910		-
Consumer and other loans
Consumer loans		3,469		1,182		1,049		5,700		124,094		129,794		-
Other		-		-		-		-		4,668		4,668		-
Total loans	$	11,434	$	5,220	$	10,227	$	26,881	$	2,138,688	$	2,165,569	$	-

Collateral Dependent Loans [Table Text Block]

	June 30, 2022							December 31, 2021
(Amounts in thousands)	Balance		Collateral Coverage		%			Balance		Collateral Coverage		%
Commercial Real Estate
Hotel	$	-	$	-		-		$	-	$	-		-
Office		-		-		-			-		-		-
Other		766		972		126.89	%		2,216		2,312		104.33	%
Retail		-		-		-			-		-		-
Multi-Family
Industrial		-		-		-			-		-		-
Office		-		-		-			-		-		-
Other		-		-		-			-		-		-
Commercial and industrial
Industrial		-		-		-			-		-		-
Other		-		-		-			-		-		-
Home equity loans		-		-		-			-		-		-
Consumer owner occupied		-		-		-			-		-		-
Consumer		-		-		-			-		-		-
Total collateral dependent loans	$	766	$	972		126.89	%	$	2,216	$	2,312		104.33	%

Trouble Debt Restructuring Accrual Status [Table Text Block]

	June 30, 2022						December 31, 2021
(Amounts in thousands)	Nonaccrual(1)		Accruing		Total		Nonaccrual(1)		Accruing		Total
Commercial loans
Commercial and industrial	$	-	$	432	$	432	$	396	$	470	$	866
Single family non-owner occupied		150		853		1,003		857		1,100		1,957
Non-farm, non-residential		-		1,963		1,963		-		2,021		2,021
Consumer real estate loans
Home equity lines		-		61		61		-		67		67
Single family owner occupied		1,284		4,978		6,262		1,266		4,755		6,021
Owner occupied construction		-		-		-		-		212		212
Consumer and other loans
Consumer loans		-		26		26		-		27		27
Total TDRs	$	1,434	$	8,313	$	9,747	$	2,519	$	8,652	$	11,171
Allowance for credit losses related to TDRs					$	-					$	-

Interest Income Related to Troubled Debt Restructurings [Table Text Block]

	Three Months Ended June 30,				Six Months Ended June 30,
	2022		2021		2022		2021
(Amounts in thousands)
Interest income recognized	$	97	$	94	$	202	$	198

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	Three Months Ended June 30,
	2022						2021
(Amounts in thousands)	Total Contracts		Pre-modification Recorded Investment		Post-modification Recorded Investment(1)		Total Contracts		Pre-modification Recorded Investment		Post-modification Recorded Investment(1)
Extended term
Single family owner occupied		2	$	238	$	245		-	$	-	$	-
Total extended term		2		238		245		-		-		-
Total		2	$	238	$	245		-	$	-	$	-

	Six Months Ended June 30,
	2022						2021
(Amounts in thousands)	Total Contracts		Pre-modification Recorded Investment		Post-modification Recorded Investment(1)		Total Contracts		Pre-modification Recorded Investment		Post-modification Recorded Investment(1)
Below market interest rate
Single family owner occupied		1	$	31	$	31		-	$	-	$	-
Total below market interest rate		1	$	31	$	31		-		-		-
Extended payment term
Single family owner occupied		2		238		245		-		-		-
Total extended payment term		2		238		245		-		-		-
Payment deferral
Non-farm, non-residential		-		-		-		1		1,390		1,374
Total principal deferral		-		-		-		1		1,390		1,374
Total		3	$	269	$	276		1	$	1,390	$	1,374

Other Real Estate Owned [Table Text Block]

	June 30, 2022		December 31, 2021
(Amounts in thousands)
OREO	$	579	$	1,015
OREO secured by residential real estate	$	221	$	337
Residential real estate loans in the foreclosure process(1)	$	2,741	$	2,210