Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | 4. LOANS RECEIVABLE Loans receivable consisted of the following at March 31, 2017 December 31, 2016 March 31, 2017 December 31, 2016 Real estate: One- to four-family residential $ 397,898 $ 389,107 Multifamily residential 95,934 92,460 Nonfarm nonresidential 508,954 495,173 Farmland 98,672 94,018 Construction and land development 129,078 125,785 Commercial 370,961 323,096 Consumer 36,100 36,265 Total loans receivable 1,637,597 1,555,904 Unearned discounts and net deferred loan costs 208 485 Allowance for loan and lease losses (16,821 ) (15,584 ) Loans receivable—net $ 1,620,984 $ 1,540,805 Loan Origination and Underwriting Real Estate Loans may Commercial Loans Consumer Loans Loans sold with servicing retained are not included in the accompanying consolidated statements of financial condition. The unpaid principal balances of such loans at March 31, 2017 December 31, 2016 $13.5 $14.7 March 31, 2017 2016 As of March 31, 2017 December 31, 2016, first one four $25.1 $26.4 March 31, 2017 Purchased Loans $583.6 ($595.1 $11.5 2014 310 20, Nonrefundable Fees and Other Costs The Company evaluated $364.5 ($375.0 $10.5 2015 310 20, Nonrefundable Fees and Other Costs The Company evaluated $21.1 ($26.9 $5.8 2014 310 30, Loans and Debt Securities Acquired with Deteriorated Credit Quality March 31 , 2017 December 31 , 2016 March 31 , 2016 One- to four-family residential $ 2,650 $ 2,714 $ 3,128 Nonfarm nonresidential 355 7,576 9,634 Farmland 49 53 66 Construction and land development 1,482 1,432 2,088 Commercial 547 556 1,005 Consumer 46 53 60 Total carrying value of PCI loans $ 5,129 $ 12,384 $ 15,981 Outstanding principal balance of PCI loans $ 7,808 $ 15,468 $ 19,917 The following table documents changes for the three March 31, 2017 2016 310 30 201 7 2016 Balance at January 1 $ 890 $ 1,370 Accretion (548 ) (222 ) Adjustments to accretable differences due to: Reclassification from nonaccretable difference 1,263 343 Changes in expected cash flows that do not affect nonaccretable differences (295 ) (48 ) Balance at March 31 $ 1,310 $ 1,443 Age analyses of loans as of the dates indicated, including both accruing and nonaccrual loans are presented below (in thousands): March 31, 2017 30-89 Days Past Due 90 Days or More Past Due Current Total One- to four-family residential $ 4,152 $ 2,700 $ 391,046 $ 397,898 Multifamily residential -- 119 95,815 95,934 Nonfarm nonresidential 4,587 1,156 503,211 508,954 Farmland 239 1,195 97,238 98,672 Construction and land development 98 426 128,554 129,078 Commercial 358 514 370,089 370,961 Consumer 252 109 35,739 36,100 Total $ 9,686 $ 6,219 $ 1,621,692 $ 1,637,597 December 31, 2016 30-89 Days Past Due 90 Days or More Past Due Current Total One- to four-family residential $ 4,472 $ 2,750 $ 381,885 $ 389,107 Multifamily residential 119 -- 92,341 92,460 Nonfarm nonresidential 1,651 1,317 492,205 495,173 Farmland 131 649 93,238 94,018 Construction and land development 20 522 125,243 125,785 Commercial 413 503 322,180 323,096 Consumer 422 81 35,762 36,265 Total $ 7,228 $ 5,822 $ 1,542,854 $ 1,555,904 As of March 31, 2017 December 31, 2016, $0.8 90 $6.0 March 31, 2017 December 31, 2016 $1.2 March 31, 2017 December 31, 2016. The following table presents age analyses of nonaccrual loans as of the dates indicated (in thousands): March 31, 2017 30-89 Days Past Due 90 Days or More Past Due Current Total One- to four-family residential $ 850 $ 2,256 $ 3,653 $ 6,759 Multifamily -- 119 -- 119 Nonfarm nonresidential 344 968 3,896 5,208 Farmland -- 1,195 85 1,280 Construction and land development -- 351 88 439 Commercial -- 397 3,444 3,841 Consumer 50 109 52 211 Total $ 1,244 $ 5,395 $ 11,218 $ 17,857 December 31, 2016 30-89 Days Past Due 90 Days or More Past Due Current Total One- to four-family residential $ 1,194 $ 2,332 $ 3,183 $ 6,709 Nonfarm nonresidential 94 1,156 3,927 5,177 Farmland 41 650 92 783 Construction and land development 13 450 -- 463 Commercial 229 386 3,456 4,071 Consumer 39 78 56 173 Total $ 1,610 $ 5,052 $ 10,714 $ 17,376 As of March 31, 2017 December 31, 2016, $2.9 $1.0 The following tables summarize information pertaining to impaired loans as of March 31, 2017 December 31, 2016 three March 31, 2017 2016 310 30 March 31, 2017 December 31, 2016 Unpaid Principal Balance Recorded Investment Valuation Allowance Unpaid Principal Balance Recorded Investment Valuation Allowance Impaired loans with a valuation allowance: One- to four-family residential $ 241 $ 225 $ 71 $ 244 $ 229 $ 74 Nonfarm nonresidential -- -- -- -- -- -- Farmland 484 378 178 -- -- -- Construction and land development -- -- -- -- -- -- Commercial 1,865 1,767 318 1,865 1,788 488 Consumer 5 5 5 5 5 5 2,595 2,375 572 2,114 2,022 567 Impaired loans without a valuation allowance: One- to four-family residential 8,825 6,729 -- 8,704 6,677 -- Multifamily 119 119 -- -- -- -- Nonfarm nonresidential 11,107 9,452 -- 11,022 9,421 -- Farmland 1,241 902 -- 1,226 783 -- Construction and land development 718 513 -- 728 539 -- Commercial 2,706 2,361 -- 2,893 2,570 -- Consumer 224 206 -- 184 168 -- 24,940 20,282 -- 24,757 20,158 -- Total impaired loans $ 27,535 $ 22,657 $ 572 $ 26,871 $ 22,180 $ 567 Three Months Ended March 31, 2017 2016 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Impaired loans with a valuation allowance: One- to four-family residential $ 227 $ 2 $ 482 $ 2 Nonfarm nonresidential -- -- 1,558 -- Farmland 189 -- 237 -- Construction and land development -- -- 189 -- Commercial 1,778 -- 2,205 -- Consumer 5 -- 5 -- 2,199 2 4,676 2 Impaired loans without a valuation allowance: One- to four-family residential 6,704 -- 6,806 -- Multifamily 60 -- 160 -- Nonfarm nonresidential 9,436 -- 4,461 -- Farmland 843 -- 649 -- Construction and land development 526 1 637 1 Commercial 2,466 -- 1,834 -- Consumer 187 -- 219 -- 20,222 1 14,766 1 Total impaired loans $ 22,421 $ 3 $ 19,442 $ 3 Interest based on original terms $ 338 $ 304 Interest income recognized on a cash basis on impaired loans $ -- $ -- Credit Quality Indicators. $1.0 Pass. Special Mention. may rated as substandard are inadequately protected by the current sound net worth and paying capacity of the borrower or the collateral pledged, if any. These assets must have a well-defined weakness based on objective evidence and be characterized by the distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected. Doubtful. rated as doubtful have all the weaknesses inherent in a substandard asset. In addition, these weaknesses make collection or liquidation in full highly questionable and improbable, based on existing circumstances. Loss. rated as a loss are considered uncollectible and of such little value that continuance as an asset is not warranted. A loss classification does not mean that an asset has no recovery or salvage value, but that it is not practical or desirable to defer writing off or reserving all or a portion of the asset, even though partial recovery may Based on analyses performed at March 31, 2017 December 31, 2016, March 31, 2017 Pass / Not Rated Special Mention Substandard Total One- to four-family residential $ 384,535 $ 189 $ 13,174 $ 397,898 Multifamily residential 95,815 -- 119 95,934 Nonfarm nonresidential 492,685 303 15,966 508,954 Farmland 96,310 -- 2,362 98,672 Construction and land development 119,713 -- 9,365 129,078 Commercial 364,915 -- 6,046 370,961 Consumer 35,765 1 334 36,100 Total $ 1,589,738 $ 493 $ 47,366 $ 1,637,597 December 31, 2016 Pass / Not Rated Special Mention Substandard Total One- to four-family residential $ 375,287 $ 206 $ 13,614 $ 389,107 Multifamily residential 92,460 -- -- 92,460 Nonfarm nonresidential 473,343 314 21,516 495,173 Farmland 92,131 -- 1,887 94,018 Construction and land development 116,269 -- 9,516 125,785 Commercial 317,069 -- 6,027 323,096 Consumer 35,953 1 311 36,265 Total $ 1,502,512 $ 521 $ 52,871 $ 1,555,904 As of March 31, 2017 December 31, 2016, not Troubled Debt Restructurings. The following table summarizes TDRs as of March 31, 2017 December 31, 2016 March 31, 2017 Number of Accruing TDR Loans Balance Number of Nonaccrual TDR Loans Balance Total Number of TDR Loans Total Balance One- to four-family residential 2 $ 195 6 $ 306 8 $ 501 Nonfarm nonresidential 1 4,244 3 396 4 4,640 Farmland -- -- 1 250 1 250 Construction and land development 1 74 2 206 3 280 Commercial 1 287 -- -- 1 287 Consumer -- -- 1 5 1 5 Total 5 $ 4,800 13 $ 1,163 18 $ 5,963 December 31, 2016 Number of Accruing TDR Loans Balance Number of Nonaccrual TDR Loans Balance Total Number of TDR Loans Total Balance One- to four-family residential 2 $ 197 6 $ 315 8 $ 512 Nonfarm nonresidential 1 4,244 3 410 4 4,654 Farmland -- -- 1 250 1 250 Construction and land development 1 76 2 215 3 291 Commercial 1 287 -- -- 1 287 Consumer -- -- 1 5 1 5 Total 5 $ 4,804 13 $ 1,195 18 $ 5,999 No three March 31, 2017 2016. There were no three March 31, 2017 2016 12 As of March 31, 2017 December 31, 2016, |