Note 5 - Credit Quality (Tables)

6 Months Ended

Jun. 30, 2023

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

	June 30, 2023
			Special
(Amounts in thousands)	Pass		Mention		Substandard		Doubtful		Loss		Total
Commercial loans
Construction, development, and other land	$	111,532	$	281	$	400	$	-	$	-	$	112,213
Commercial and industrial		209,472		2,244		2,021		1,225		-		214,962
Multi-family residential		160,317		3,502		198		-		-		164,017
Single family non-owner occupied		218,324		2,245		7,794		-		-		228,363
Non-farm, non-residential		875,138		18,850		10,789		-		-		904,777
Agricultural		17,038		3,645		1,423		-		-		22,106
Farmland		14,012		514		1,296		-		-		15,822
Consumer real estate loans
Home equity lines		86,530		691		2,480		-		-		89,701
Single family owner occupied		695,594		2,435		24,716		24		-		722,769
Owner occupied construction		11,039		-		159		-		-		11,198
Consumer and other loans
Consumer loans		131,003		10		2,546		-		-		133,559
Other		1,586		-		-		-		-		1,586
Total loans	$	2,531,585	$	34,417	$	53,822	$	1,249	$	-	$	2,621,073

	December 31, 2022
			Special
(Amounts in thousands)	Pass		Mention		Substandard		Doubtful		Loss		Total
Commercial loans
Construction, development, and other land	$	115,972	$	853	$	349	$	-	$	-	$	117,174
Commercial and industrial		147,543		920		1,965		-		-		150,428
Multi-family residential		143,859		3,946		221		-		-		148,026
Single family non-owner occupied		195,775		2,303		8,043		-		-		206,121
Non-farm, non-residential		761,154		14,903		11,646		-		-		787,703
Agricultural		11,722		47		263		-		-		12,032
Farmland		9,868		573		1,338		-		-		11,779
Consumer real estate loans
Home equity lines		72,927		288		2,427		-		-		75,642
Single family owner occupied		706,952		1,958		25,630		-		-		734,540
Owner occupied construction		10,204		-		162		-		-		10,366
Consumer and other loans
Consumer loans		141,551		11		3,020		-		-		144,582
Other		1,804		-		-		-		-		1,804
Total loans	$	2,319,331	$	25,802	$	55,064	$	-	$	-	$	2,400,197

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at June 30, 2023	2023		2022		2021		2020		2019		Prior		Revolving		Total
Construction, development and other land
Pass	$	4,314	$	63,451	$	28,700	$	4,329	$	2,942	$	5,629	$	2,167	$	111,532
Special Mention		-		-		-		204		-		77		-		281
Substandard		-		-		-		-		188		212		-		400
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total construction, development, and other land	$	4,314	$	63,451	$	28,700	$	4,533	$	3,130	$	5,918	$	2,167	$	112,213
Current period gross write-offs	$	-	$	-	$	-	$	-	$	13	$	-	$	-	$	13
Commercial and industrial
Pass	$	26,362	$	72,027	$	24,102	$	14,600	$	7,801	$	16,084	$	48,496	$	209,472
Special Mention		-		486		239		12		418		837		252		2,244
Substandard		-		464		172		100		586		699		-		2,021
Doubtful		-		1,225		-		-		-		-		-		1,225
Loss		-		-		-		-		-		-		-		-
Total commercial and industrial	$	26,362	$	74,202	$	24,513	$	14,712	$	8,805	$	17,620	$	48,748	$	214,962
Current period gross write-offs	$	-	$	56	$	91	$	37	$	32	$	-	$	-	$	216
Multi-family residential
Pass	$	1,293	$	50,442	$	30,672	$	30,959	$	3,660	$	41,016	$	2,275	$	160,317
Special Mention		-		-		-		-		-		3,502		-		3,502
Substandard		-		-		-		-		-		198		-		198
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total multi-family residential	$	1,293	$	50,442	$	30,672	$	30,959	$	3,660	$	44,716	$	2,275	$	164,017
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Non-farm, non-residential
Pass	$	51,766	$	241,912	$	154,930	$	121,650	$	56,542	$	235,998	$	12,340	$	875,138
Special Mention		65		592		3,506		1,066		158		13,463		-		18,850
Substandard		-		244		1,099		531		3,264		5,419		232		10,789
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total non-farm, non-residential	$	51,831	$	242,748	$	159,535	$	123,247	$	59,964	$	254,880	$	12,572	$	904,777
Current period gross write-offs	$	-	$	8	$	-	$	-	$	-	$	2	$	-	$	10
Agricultural
Pass	$	3,641	$	5,308	$	2,906	$	872	$	769	$	2,889	$	653	$	17,038
Special Mention		-		295		225		11		103		3,011		-		3,645
Substandard		-		-		32		9		1,372		10		-		1,423
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total agricultural	$	3,641	$	5,603	$	3,163	$	892	$	2,244	$	5,910	$	653	$	22,106
Current period gross write-offs	$	-	$	59	$	-	$	-	$	-	$	8	$	-	$	67
Farmland
Pass	$	519	$	1,647	$	1,682	$	972	$	787	$	7,442	$	963	$	14,012
Special Mention		-		-		107		11		-		396		-		514
Substandard		-		-		-		11		-		1,285		-		1,296
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total farmland	$	519	$	1,647	$	1,789	$	994	$	787	$	9,123	$	963	$	15,822
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at June 30, 2023	2023		2022		2021		2020		2019		Prior		Revolving		Total
Home equity lines
Pass	$	81	$	929	$	123	$	143	$	70	$	4,517	$	80,667	$	86,530
Special Mention		-		-		-		-		-		40		651		691
Substandard		-		12		-		27		35		1,380		1,026		2,480
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total home equity lines	$	81	$	941	$	123	$	170	$	105	$	5,937	$	82,344	$	89,701
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	154	$	-	$	154
Single family Mortgage
Pass	$	30,711	$	168,262	$	231,284	$	200,710	$	47,925	$	234,597	$	429	$	913,918
Special Mention		-		-		485		97		109		3,989		-		4,680
Substandard		107		453		1,307		1,207		1,202		28,234		-		32,510
Doubtful		-		-		-		-		-		24		-		24
Loss		-		-		-		-		-		-		-		-
Total single family owner and non-owner occupied	$	30,818	$	168,715	$	233,076	$	202,014	$	49,236	$	266,844	$	429	$	951,132
Current period gross write-offs	$	-	$	-	$	47	$	-	$	-	$	122	$	-	$	169
Owner occupied construction
Pass	$	946	$	7,487	$	2,161	$	-	$	32	$	413	$	-	$	11,039
Special Mention		-		-		-		-		-		-		-		-
Substandard		-		-		-		157		-		2		-		159
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total owner occupied construction	$	946	$	7,487	$	2,161	$	157	$	32	$	415	$	-	$	11,198
Current period gross write-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
Consumer loans
Pass	$	21,611	$	56,667	$	28,172	$	11,166	$	5,037	$	1,649	$	8,287	$	132,589
Special Mention		-		-		4		-		4		1		1		10
Substandard		28		978		663		338		275		203		61		2,546
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total consumer loans	$	21,639	$	57,645	$	28,839	$	11,504	$	5,316	$	1,853	$	8,349	$	135,145
Current period gross write-offs	$	423	$	1,722	$	1,241	$	309	$	130	$	20	$	89	$	3,934

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at June 30, 2023	2023		2022		2021		2020		2019		Prior		Revolving		Total
Total Loans
Pass	$	141,244	$	668,132	$	504,732	$	385,401	$	125,565	$	550,234	$	156,277	$	2,531,585
Special Mention		65		1,373		4,566		1,401		792		25,316		904		34,417
Substandard		135		2,151		3,273		2,380		6,922		37,642		1,319		53,822
Doubtful		-		1,225		-		-		-		24		-		1,249
Loss		-		-		-		-		-		-		-		-
Total loans	$	141,444	$	672,881	$	512,571	$	389,182	$	133,279	$	613,216	$	158,500	$	2,621,073
Current period gross write-offs	$	423	$	1,845	$	1,379	$	346	$	175	$	306	$	89	$	4,563

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2022	2022		2021		2020		2019		2018		Prior		Revolving		Total
Construction, development
and other land
Pass	$	58,770	$	39,995	$	4,602	$	3,050	$	2,485	$	5,608	$	1,462	$	115,972
Special Mention		-		225		-		-		94		534		-		853
Substandard		-		-		267		71		11		-		-		349
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total construction, development, and other land	$	58,770	$	40,220	$	4,869	$	3,121	$	2,590	$	6,142	$	1,462	$	117,174
Commercial and industrial
Pass	$	69,678	$	23,746	$	12,047	$	7,729	$	9,121	$	8,890	$	16,332	$	147,543
Special Mention		227		20		21		367		185		1		99		920
Substandard		130		112		114		620		192		797		-		1,965
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total commercial and industrial	$	70,035	$	23,878	$	12,182	$	8,716	$	9,498	$	9,688	$	16,431	$	150,428
Multi-family residential
Pass	$	45,261	$	20,881	$	31,087	$	3,733	$	1,328	$	41,063	$	506	$	143,859
Special Mention		-		-		-		-		-		3,946		-		3,946
Substandard		-		-		-		-		-		221		-		221
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total multi-family residential	$	45,261	$	20,881	$	31,087	$	3,733	$	1,328	$	45,230	$	506	$	148,026
Non-farm, non-residential
Pass	$	218,595	$	145,675	$	114,840	$	52,575	$	35,564	$	185,448	$	8,457	$	761,154
Special Mention		-		1,927		852		1,193		2,708		8,076		147		14,903
Substandard		-		1,267		675		2,509		1,531		5,664		-		11,646
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total non-farm, non-residential	$	218,595	$	148,869	$	116,367	$	56,277	$	39,803	$	199,188	$	8,604	$	787,703
Agricultural
Pass	$	6,244	$	3,225	$	1,003	$	376	$	154	$	214	$	506	$	11,722
Special Mention		-		33		14		-		-		-		-		47
Substandard		124		37		1		66		24		11		-		263
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total agricultural	$	6,368	$	3,295	$	1,018	$	442	$	178	$	225	$	506	$	12,032
Farmland
Pass	$	646	$	713	$	796	$	77	$	869	$	6,150	$	617	$	9,868
Special Mention		-		109		-		-		222		242		-		573
Substandard		-		-		12		-		253		1,073		-		1,338
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total farmland	$	646	$	822	$	808	$	77	$	1,344	$	7,465	$	617	$	11,779

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2022	2022		2021		2020		2019		2018		Prior		Revolving		Total
Home equity lines
Pass	$	1,960	$	198	$	241	$	-	$	24	$	7,429	$	63,075	$	72,927
Special Mention		-		-		-		-		-		117		171		288
Substandard		-		-		27		35		114		1,253		998		2,427
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total home equity lines	$	1,960	$	198	$	268	$	35	$	138	$	8,799	$	64,244	$	75,642
Single family Mortgage
Pass	$	157,890	$	237,363	$	207,480	$	48,795	$	36,678	$	214,148	$	373	$	902,727
Special Mention		-		376		90		363		262		3,170		-		4,261
Substandard		461		1,196		740		1,217		1,991		28,068		-		33,673
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total single family owner and non-owner occupied	$	158,351	$	238,935	$	208,310	$	50,375	$	38,931	$	245,386	$	373	$	940,661
Owner occupied construction
Pass	$	6,357	$	3,344	$	-	$	23	$	11	$	469	$	-	$	10,204
Special Mention		-		-		-		-		-		-		-		-
Substandard		-		-		162		-		-		-		-		162
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total owner occupied construction	$	6,357	$	3,344	$	162	$	23	$	11	$	469	$	-	$	10,366
Consumer loans
Pass	$	69,579	$	37,603	$	16,033	$	7,640	$	2,528	$	2,040	$	7,932	$	143,355
Special Mention		-		5		-		6		-		-		-		11
Substandard		881		1,002		466		416		36		159		60		3,020
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total consumer loans	$	70,460	$	38,610	$	16,499	$	8,062	$	2,564	$	2,199	$	7,992	$	146,386

(Amounts in thousands)	Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2022	2022		2021		2020		2019		2018		Prior		Revolving		Total
Total Loans
Pass	$	634,980	$	512,743	$	388,129	$	123,998	$	88,762	$	471,459	$	99,260	$	2,319,331
Special Mention		227		2,695		977		1,929		3,471		16,086		417		25,802
Substandard		1,596		3,614		2,464		4,934		4,152		37,246		1,058		55,064
Doubtful		-		-		-		-		-		-		-		-
Loss		-		-		-		-		-		-		-		-
Total loans	$	636,803	$	519,052	$	391,570	$	130,861	$	96,385	$	524,791	$	100,735	$	2,400,197

Financing Receivable, Nonaccrual [Table Text Block]

	June 30, 2023						December 31, 2022
(Amounts in thousands)	No Allowance		With an Allowance		Total		No Allowance		With an Allowance		Total
Commercial loans
Construction, development, and other land	$	183	$	-	$	183	$	31	$	-	$	31
Commercial and industrial		812		1,225		2,037		438		-		438
Multi-family residential		198		-		198		220		-		220
Single family non-owner occupied		991		-		991		984		-		984
Non-farm, non-residential		1,325		-		1,325		1,771		-		1,771
Agricultural		1,343		-		1,343		9		-		9
Farmland		123		-		123		133		-		133
Consumer real estate loans
Home equity lines		859		-		859		400		-		400
Single family owner occupied		8,976		582		9,558		8,228		589		8,817
Owner occupied construction		-		-		-		-		-		-
Consumer and other loans
Consumer loans		2,011		-		2,011		2,405		-		2,405
Total nonaccrual loans	$	16,821	$	1,807	$	18,628	$	14,619	$	589	$	15,208

Financing Receivable, Past Due [Table Text Block]

	June 30, 2023
													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	$	-	$	7	$	23	$	30	$	112,183	$	112,213	$	-
Commercial and industrial		1,203		150		576		1,929		213,033		214,962		-
Multi-family residential		190		-		-		190		163,827		164,017		-
Single family non-owner occupied		391		391		109		891		227,472		228,363		-
Non-farm, non-residential		784		73		403		1,260		903,517		904,777		-
Agricultural		132		-		1,343		1,475		20,631		22,106		-
Farmland		107		-		-		107		15,715		15,822		-
Consumer real estate loans
Home equity lines		753		471		678		1,902		87,799		89,701		-
Single family owner occupied		3,725		2,811		3,821		10,357		712,412		722,769		-
Owner occupied construction		196		-		-		196		11,002		11,198		-
Consumer and other loans
Consumer loans		3,971		1,195		801		5,967		127,592		133,559		-
Other		-		-		-		-		1,586		1,586		-
Total loans	$	11,452	$	5,098	$	7,754	$	24,304	$	2,596,769	$	2,621,073	$	-

	December 31, 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	$	393	$	8	$	23	$	424	$	116,750	$	117,174	$	-
Commercial and industrial		756		129		217		1,102		149,326		150,428		-
Multi-family residential		-		-		83		83		147,943		148,026		-
Single family non-owner occupied		990		122		299		1,411		204,710		206,121		-
Non-farm, non-residential		646		52		548		1,246		786,457		787,703		-
Agricultural		36		135		9		180		11,852		12,032		-
Farmland		-		-		133		133		11,646		11,779		-
Consumer real estate loans
Home equity lines		519		115		262		896		74,746		75,642		-
Single family owner occupied		5,951		2,322		3,166		11,439		723,101		734,540		-
Owner occupied construction		-		-		-		-		10,366		10,366		-
Consumer and other loans
Consumer loans		4,282		1,960		1,459		7,701		136,881		144,582		-
Other		-		-		-		-		1,804		1,804		-
Total loans	$	13,573	$	4,843	$	6,199	$	24,615	$	2,375,582	$	2,400,197	$	-

Collateral Dependent Loans [Table Text Block]

	June 30, 2023							December 31, 2022
(Amounts in thousands)	Balance		Collateral Coverage		%			Balance		Collateral Coverage		%
Commercial Real Estate
Hotel	$	-	$	-		-		$	-	$	-		-
Office		-		-		-			-		-		-
Other		-		-		-			-		-		-
Retail		-		-		-			-		-		-
Multi-Family
Industrial		-		-		-			-		-		-
Office		-		-		-			-		-		-
Other		-		-		-			-		-		-
Commercial and industrial
Industrial		-		-		-			-		-		-
Other		1,225		375		30.61	%		-		-		-
Home equity loans		-		-		-			-		-		-
Consumer owner occupied		582		582		100.00	%		589		574		97.45	%
Consumer		-		-		-			-		-		-
Total collateral dependent loans	$	1,807	$	957		52.96	%	$	589	$	574		97.45	%

Financing Receivable, Modified [Table Text Block]

	Payment Delays
	Amortized Cost Basis		% of Total Class of
	June 30, 2023		Financing Receivable			Financial Effect
(Amounts in thousands)
Single family owner occupied	$	404		0.056	%	Deferred $6 thousand in principal to maturity
Total	$	404
	Term Extensions
	Amortized Cost Basis		% of Total Class of
	June 30, 2023		Financing Receivable			Financial Effect
(Amounts in thousands)
Consumer	$	8		0.006	%	Extended term from 60 to 84 months
Total	$	8
	Principal Forgiveness
	Amortized Cost Basis		% of Total Class of
	June 30, 2023		Financing Receivable			Financial Effect
(Amounts in thousands)
Single family owner occupied	$	8		0.001	%	Reduced amortized cost basis by $13 thousand
Total	$	8

	June 30, 2023
	Payment Status (Amortized Cost Basis)
	Current		30-89 Days Past Due		90+ Days Past Due
(Amounts in thousands)
Single family owner occupied	$	634	$	-	$	-
Consumer		8		-		-
Total	$	642	$	-	$	-

	Three Months Ended June 30,
	2022
(Amounts in thousands)	Total Contracts		Pre-modification Recorded Investment		Post-modification Recorded Investment(1)
Below market interest rate
Single family owner occupied		2	$	238	$	245
Total below market interest rate		2	$	238	$	245
Total		2	$	238	$	245

	Six Months Ended June 30,
	2022
(Amounts in thousands)	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
Below market interest rate and extended payment term
Single family owner occupied		2	$	238	$	245
Total below market interest rate and extended payment term		2	$	238	$	245
Payment deferral
Single family owner occupied		-		-		-
Non-farm, non-residential		-		-		-
Total payment deferral		-	$	-	$	-
Total		3	$	269	$	276

Trouble Debt Restructuring Accrual Status [Table Text Block]

	December 31, 2022
(Amounts in thousands)	Nonaccrual(1)		Accruing		Total
Commercial loans
Commercial and industrial	$	-	$	374	$	374
Single family non-owner occupied		142		838		980
Non-farm, non-residential		-		747		747
Consumer real estate loans
Home equity lines		-		55		55
Single family owner occupied		1,182		5,073		6,255
Owner occupied construction		-		-		-
Consumer and other loans
Consumer loans		-		25		25
Total TDRs	$	1,324	$	7,112	$	8,436
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		2022
(Amounts in thousands)
Interest income recognized	$	105	$	105

Other Real Estate Owned [Table Text Block]

	June 30, 2023		December 31, 2022
(Amounts in thousands)
OREO	$	339	$	703
OREO secured by residential real estate	$	139	$	407
Residential real estate loans in the foreclosure process(1)	$	2,800	$	1,474