Mercantile Bank (MBWM) 10-Q 7 Aug 20 2020 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2020	Jul. 31, 2020
Document Information [Line Items]
Entity Central Index Key	0001042729
Entity Registrant Name	MERCANTILE BANK CORPORATION
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q2
Document Fiscal Year Focus	2020
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2020
Document Transition Report	false
Entity File Number	000-26719
Entity Incorporation, State or Country Code	MI
Entity Tax Identification Number	38-3360865
Entity Address, Address Line One	310 Leonard Street, NW
Entity Address, City or Town	Grand Rapids
Entity Address, State or Province	MI
Entity Address, Postal Zip Code	49504
City Area Code	616
Local Phone Number	406-3000
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Title of 12(b) Security	Common Stock
Trading Symbol	MBWM
Security Exchange Name	NASDAQ
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		16,231,049

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Jun. 30, 2020	Dec. 31, 2019
ASSETS
Cash and due from banks	$ 84,516,000	$ 53,262,000
Interest-earning deposits	386,711,000	180,469,000
Total cash and cash equivalents	471,227,000	233,731,000
Securities available for sale	307,661,000	334,655,000
Federal Home Loan Bank stock	18,002,000	18,002,000
Loans	3,333,056,000	2,856,667,000
Allowance for loan losses	(32,246,000)	(23,889,000)
Loans, net	3,300,810,000	2,832,778,000
Premises and equipment, net	59,155,000	57,327,000
Bank owned life insurance	70,900,000	70,297,000
Goodwill	49,473,000	49,473,000
Core deposit intangible, net	3,072,000	3,840,000
Other assets	34,079,000	32,812,000
Total assets	4,314,379,000	3,632,915,000
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest-bearing	1,445,620,000	924,916,000
Interest-bearing	1,816,660,000	1,765,468,000
Total deposits	3,262,280,000	2,690,384,000
Securities sold under agreements to repurchase	167,527,000	102,675,000
Federal Home Loan Bank advances	394,000,000	354,000,000
Subordinated debentures	47,222,000	46,881,000
Accrued interest and other liabilities	18,129,000	22,414,000
Total liabilities	3,889,158,000	3,216,354,000
Commitments and contingent liabilities (Note 8)
Shareholders' equity
Preferred stock, no par value; 1,000,000 shares authorized; none issued	0	0
Common stock, no par value; 40,000,000 shares authorized; 16,230,649 shares issued and outstanding at June 30, 2020 and 16,425,136 shares issued and outstanding at December 31, 2019	300,897,000	305,035,000
Retained earnings	118,239,000	107,831,000
Accumulated other comprehensive gain/(loss)	6,085,000	3,695,000
Total shareholders’ equity	425,221,000	416,561,000
Total liabilities and shareholders’ equity	$ 4,314,379,000	$ 3,632,915,000

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - $ / shares $ / shares in Thousands	Jun. 30, 2020	Dec. 31, 2019
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authorized (in shares)	1,000,000	1,000,000
Preferred stock, shares issued (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	40,000,000	40,000,000
Common stock, shares outstanding (in shares)	16,230,649	16,425,136
Common stock, shares issued (in shares)	16,230,649	16,425,136

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Interest income
Loans, including fees	$ 34,322,000	$ 36,765,000	$ 67,764,000	$ 72,555,000
Securities, taxable	2,187,000	1,945,000	5,628,000	3,825,000
Securities, tax-exempt	562,000	540,000	1,138,000	1,101,000
Other interest-earning assets	93,000	569,000	568,000	976,000
Total interest income	37,164,000	39,819,000	75,098,000	78,457,000
Interest expense
Deposits	3,700,000	5,529,000	8,342,000	10,334,000
Short-term borrowings	55,000	68,000	94,000	173,000
Federal Home Loan Bank advances	2,214,000	2,261,000	4,427,000	4,494,000
Subordinated debentures and other borrowings	624,000	845,000	1,348,000	1,695,000
Total interest expense	6,593,000	8,703,000	14,211,000	16,696,000
Net interest income	30,571,000	31,116,000	60,887,000	61,761,000
Provision for loan losses	7,600,000	900,000	8,350,000	1,750,000
Net interest income after provision for loan losses	22,971,000	30,216,000	52,537,000	60,011,000
Noninterest income:
Mortgage banking income	7,640,000	1,345,000	10,267,000	2,402,000
Payroll services income	370,000	355,000	947,000	860,000
Earnings on bank owned life insurance	307,000	1,608,000	643,000	3,238,000
Other income	248,000	370,000	675,000	1,397,000
Total noninterest income	10,984,000	6,334,000	17,534,000	12,967,000
Noninterest expense
Salaries and benefits	14,126,000	13,286,000	27,654,000	26,302,000
Occupancy	1,862,000	1,629,000	3,921,000	3,391,000
Furniture and equipment depreciation, rent and maintenance	851,000	621,000	1,629,000	1,257,000
Data processing costs	2,633,000	2,295,000	5,117,000	4,511,000
Other expense	3,744,000	4,256,000	7,835,000	8,456,000
Total noninterest expenses	23,216,000	22,087,000	46,156,000	43,917,000
Income before federal income tax expense	10,739,000	14,463,000	23,915,000	29,061,000
Federal income tax expense	2,041,000	2,748,000	4,545,000	5,522,000
Net income	$ 8,698,000	$ 11,715,000	$ 19,370,000	$ 23,539,000
Basic earnings per share (in dollars per share)	$ 0.54	$ 0.71	$ 1.19	$ 1.43
Diluted earnings per share (in dollars per share)	0.54	0.71	1.19	1.43
Common Stock, Dividends, Per Share, Cash Paid (in dollars per share)	$ 0.28	$ 0.26	$ 0.56	$ 0.52
Average basic shares outstanding (in shares)	16,212,500	16,428,187	16,281,391	16,428,875
Average diluted shares outstanding (in shares)	16,213,264	16,434,714	16,282,341	16,434,941
Deposit Account [Member]
Noninterest income:
Noninterest income	$ 1,045,000	$ 1,143,000	$ 2,267,000	$ 2,220,000
Credit and Debit Card [Member]
Noninterest income:
Noninterest income	$ 1,374,000	$ 1,513,000	$ 2,735,000	$ 2,850,000

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Net income	$ 8,698,000	$ 11,715,000	$ 19,370,000	$ 23,539,000
Other comprehensive income/(loss):
Unrealized holding gains/(losses) on securities available for sale	1,636,000	9,562,000	3,027,000	14,011,000
Tax effect of unrealized holding gains/(losses) on securities available for sale	(344,000)	(2,008,000)	(637,000)	(2,942,000)
Other comprehensive income/(loss), net of tax	1,292,000	7,554,000	2,390,000	11,069,000
Comprehensive income	$ 9,990,000	$ 19,269,000	$ 21,760,000	$ 34,608,000

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($)	Preferred Stock [Member]	Common Stock Including Additional Paid in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balances at Dec. 31, 2018	$ 0	$ 308,005,000	$ 75,483,000	$ (8,239,000)	$ 375,249,000
Employee stock purchase plan		26,000			26,000
Dividend reinvestment plan		361,000			361,000
Stock grants to directors for retainer fees		374,000			374,000
Stock-based compensation expense		1,488,000			1,488,000
Cash dividends			(8,404,000)		(8,404,000)
Net income			23,539,000		23,539,000
Change in net unrealized holding gain/(loss) on securities available for sale, net of tax effect				11,069,000	11,069,000
Share repurchase program		(3,601,000)			(3,601,000)
Stock option exercises		16,000			16,000
Balances at Jun. 30, 2019	0	306,669,000	90,618,000	2,830,000	400,117,000
Balances at Mar. 31, 2019	0	305,346,000	83,107,000	(4,724,000)	383,729,000
Employee stock purchase plan		12,000			12,000
Dividend reinvestment plan		179,000			179,000
Stock grants to directors for retainer fees		374,000			374,000
Stock-based compensation expense		744,000			744,000
Cash dividends			(4,204,000)		(4,204,000)
Net income			11,715,000		11,715,000
Change in net unrealized holding gain/(loss) on securities available for sale, net of tax effect				7,554,000	7,554,000
Stock option exercises		14,000			14,000
Balances at Jun. 30, 2019	0	306,669,000	90,618,000	2,830,000	400,117,000
Balances at Dec. 31, 2019	0	305,035,000	107,831,000	3,695,000	416,561,000
Employee stock purchase plan		25,000			25,000
Dividend reinvestment plan		404,000			404,000
Stock grants to directors for retainer fees		349,000			349,000
Stock-based compensation expense		1,366,000			1,366,000
Cash dividends			(8,962,000)		(8,962,000)
Net income			19,370,000		19,370,000
Change in net unrealized holding gain/(loss) on securities available for sale, net of tax effect				2,390,000	2,390,000
Share repurchase program		(6,282,000)			(6,282,000)
Balances at Jun. 30, 2020	0	300,897,000	118,239,000	6,085,000	425,221,000
Balances at Mar. 31, 2020	0	299,584,000	114,012,000	4,793,000	418,389,000
Employee stock purchase plan		11,000			11,000
Dividend reinvestment plan		212,000			212,000
Stock grants to directors for retainer fees		349,000			349,000
Stock-based compensation expense		741,000			741,000
Cash dividends			(4,471,000)		(4,471,000)
Net income			8,698,000		8,698,000
Change in net unrealized holding gain/(loss) on securities available for sale, net of tax effect				1,292,000	1,292,000
Balances at Jun. 30, 2020	$ 0	$ 300,897,000	$ 118,239,000	$ 6,085,000	$ 425,221,000

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Common Stock Including Additional Paid in Capital [Member]
Employee stock purchase plan (in shares)	487	383	1,129	799
Dividend reinvestment plan (in shares)	9,307	5,522	17,380	10,947
Stock grants to directors (in shares)	15,648	11,905	15,648	11,905
Share repurchase program (in shares)			222,385	119,120
Stock option exercises (in shares)		2,000		2,500
Cash dividends per common share (in dollars per share)	$ 0.28	$ 0.26	$ 0.56	$ 0.52

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($)	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
Cash flows from operating activities
Net income	$ 19,370,000	$ 23,539,000
Adjustments to reconcile net income to net cash from operating activities
Depreciation and amortization	3,385,000	4,723,000
Accretion of acquired loans	(225,000)	(314,000)
Provision for loan losses	8,350,000	1,750,000
Stock-based compensation expense	1,366,000	1,488,000
Stock grants to directors for retainer fee	349,000	374,000
Proceeds from sales of mortgage loans held for sale	291,485,000	67,859,000
Origination of mortgage loans held for sale	(317,417,000)	(69,107,000)
Net gain from sales of mortgage loans held for sale	(9,856,000)	(2,129,000)
Net gain from sales and valuation write-downs of foreclosed assets	(183,000)	(31,000)
Net gain from sales and valuation write-downs of former bank premises	(27,000)	(558,000)
Net loss from sales and write-downs of fixed assets	54,000	1,000
Earnings on bank owned life insurance	(643,000)	(3,238,000)
Net change in:
Accrued interest receivable	654,000	(534,000)
Other assets	(4,766,000)	(1,278,000)
Accrued interest payable and other liabilities	(4,285,000)	(8,628,000)
Net cash (for) from operating activities	(12,389,000)	13,917,000
Cash flows from investing activities
Loan originations and payments, net	(440,380,000)	(124,964,000)
Purchases of securities available for sale	(188,630,000)	(24,182,000)
Proceeds from maturities, calls and repayments of securities available for sale	220,916,000	27,258,000
Proceeds from sales of foreclosed assets	313,000	270,000
Proceeds from sales of former bank premises	162,000	854,000
Purchases of Federal Home Loan Bank stock	0	(1,980,000)
Purchases of bank owned life insurance	0	(2,500,000)
Proceeds from bank owned life insurance cash value release and death benefits	0	7,708,000
Net purchases of premises and equipment	(4,429,000)	(5,359,000)
Net cash for investing activities	(412,048,000)	(122,895,000)
Cash flows from financing activities
Net increase (decrease) in time deposits	(64,081,000)	175,869,000
Net increase (decrease) in all other deposits	635,977,000	(20,368,000)
Net increase in securities sold under agreements to repurchase	64,852,000	16,150,000
Maturities of Federal Home Loan Bank advances	(20,000,000)	(20,000,000)
Proceeds from Federal Home Loan Bank advances	60,000,000	44,000,000
Proceeds from stock option exercises	0	16,000
Employee stock purchase plan	25,000	26,000
Dividend reinvestment plan	404,000	361,000
Repurchases of common stock shares	(6,282,000)	(3,601,000)
Payment of cash dividends to common shareholders	(8,962,000)	(8,404,000)
Net cash from financing activities	661,933,000	184,049,000
Net change in cash and cash equivalents	237,496,000	75,071,000
Cash and cash equivalents at beginning of period	233,731,000	75,354,000
Cash and cash equivalents at end of period	471,227,000	150,425,000
Supplemental disclosures of cash flows information
Interest	15,149,000	14,956,000
Federal income tax	5,300,000	6,275,000
Transfers from loans to foreclosed assets	11,000	170,000
Transfers from bank premises to other real estate owned	$ 0	$ 0

Note 1 - Significant Accounting

Note 1 - Significant Accounting Policies	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Significant Accounting Policies [Text Block]	1. SIGNIFICANT ACCOUNTING POLICIES Basis of Presentation six June 30, 2020 two 10 303 not not June 30, 2020 not 10 December 31, 2019. We have five separate business trusts that were formed to issue trust preferred securities. Subordinated debentures were issued to the trusts in return for the proceeds raised from the issuance of the trust preferred securities. The trusts are not Earnings Per Share Approximately 256,000 unvested restricted shares were included in determining both basic and diluted earnings per share for the three six June 30, 2020. three six June 30, 2020. not three six June 30, 2020. Approximately 261,000 unvested restricted shares were included in determining both basic and diluted earnings per share for the three six June 30, 2019. three six June 30, 2019. not three six June 30, 2019. Securities Interest income includes amortization of purchase premiums and accretion of discounts. Premiums and discounts on securities are amortized or accreted on the level-yield method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. Gains and losses on sales are recorded on the trade date and determined using the specific identification method. Declines in the fair value of debt securities below their amortized cost that are other-than-temporary impairment (“OTTI”) are reflected in earnings or other comprehensive income, as appropriate. For those debt securities whose fair value is less than their amortized cost, we consider our intent to sell the security, whether it is more likely than not not two 1 2 Loans Interest income on commercial loans and mortgage loans is discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Consumer and credit card loans are typically charged off no All interest accrued but not Loans Held for Sale June 30, 2020 December 31, 2019, Mortgage loans held for sale are generally sold with servicing rights retained. Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold, which is reduced by the cost allocated to the servicing right. We generally lock in the sale price to the purchaser of the loan at the same time we make an interest rate commitment to the borrower. These mortgage banking activities are not June 30, 2020, December 31, 2019, Mortgage Banking Activities Servicing fee income is recorded for fees earned for servicing mortgage loans. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned. Amortization of mortgage loan servicing rights is netted against mortgage loan servicing income and recorded in mortgage banking activities in the income statement. Troubled Debt Restructurings not may In accordance with current accounting guidance, loans modified as troubled debt restructurings are, by definition, considered to be impaired loans. Impairment for these loans is measured on a loan-by-loan basis similar to other impaired loans as described below under “Allowance for Loan Losses.” Certain loans modified as troubled debt restructurings may two The federal banking agencies issued an “ Interagency Statement on Loan Modifications and R eporting for Financial Institutions Working with Customers Affected by the Coronavirus” March 22, 2020, April 7, 2020. may six not 4013 December 31, 2019 March 1, 2020 60 December 31, 2020, not In early April 2020, three three 12 three June 30, 2020, three June 30, 2020, April, May June 2020 We have also had some instances where commercial borrowers have subsequently requested and received an additional 90 three 90 three three nine 0% July 31, 2020, 90 three July 31, 2020. Allowance for Loan Losses may A loan is considered to be impaired when, based on current information and events, it is probable we will be unable to collect the scheduled payments of principal and interest when due according to the contractual terms of the loan agreement. Factors considered in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not Financial institutions are not December 31, 2020. no Derivatives not Changes in the fair value of derivatives that are designated, for accounting purposes, as a hedge of the variability of cash flows to be received on various assets and liabilities and are effective are reported in other comprehensive income. They are later reclassified into earnings in the same periods during which the hedged transaction affects earnings and are included in the line item in which the hedged cash flows are recorded. If hedge accounting does not If designated as a hedge, we formally document the relationship between the derivatives and hedged items, as well as the risk-management objective and the strategy for undertaking hedge transactions. This documentation includes linking cash flow hedges to specific assets and liabilities on the balance sheet. If designated as a hedge, we also formally assess, both at the hedge’s inception and on an ongoing basis, whether the derivative instruments that are used are highly effective in offsetting changes in cash flows of the hedged items. Ineffective hedge gains and losses are recognized immediately in current earnings as noninterest income or expense. We discontinue hedge accounting when we determine the derivative is no no Goodwill and Core Deposit Intangible may not may not not 2019, not no Due to current stressed economic and market conditions, we assessed goodwill for impairment as of March 31, 2020 June 30, 2020. March 31, 2020, not March 31, 2020. June 30, 2020, 0 not no The core deposit intangible that arose from the Firstbank Corporation acquisition was initially measured at fair value and is being amortized into noninterest expense over a ten Revenue from Contracts with Customers 606, “Revenue from Contracts with Customers” 606” 606, not Our primary sources of revenue are derived from interest and dividends earned on loans, securities and other financial instruments that are not 606. not 606 Recent Events: first second 2020 2019 19” 2 19 may no The outbreak was initially identified in Wuhan, China in December 2019. January 30, 2020, March 11, 2020. first January 20, 2020. January 29, 2020. January 31, 2020, March 13, 2020 ( The Coronavirus Pandemic has caused severe global socioeconomic disruptions. It has led to the postponement or cancellation of sporting, religious, political and cultural events, as well as widespread supply shortages exacerbated by panic buying. Service industry businesses, such as restaurants, hotels, airlines, cruise lines and movie theaters, have been particularly negatively impacted by the restrictions and stay-at-home orders issued by authorities around a vast majority of the world. The health care industry has also been significantly impacted, from a combination of treating infected patients to the cancellation of medical appointments and elective surgeries. At the current time, it is highly uncertain as to when conditions will begin to return to normal. Most agree that a return to normal conditions will be accomplished in phases, taking into account factors such as regional rates and trends of infections, types of businesses and required social distancing measures. Human behavior will also likely play a significant role as people make individual choices to re-engage in permissible activities. The first March 10, 2020, 12 April, 2019 2020 March, two 50 March April. March 24, 2020, April 13, 2020; April 30, 2020. April 24, 2020, May 15, 2020 April 30, 2020. May 7, 2020, May 28, 2020 May 15, 2020. June 5, 2020; 19 second third Responding to the Coronavirus Pandemic and Governor Whitmer’s stay-at-home orders, by March 23, 2020, March 18, 2020 March 25, 2020, June. June 26, 2020, July 1, 2020. In response to the substantial negative impact of the Coronavirus Pandemic and the associated social distancing orders and measures on the United States and global economies, Congress passed the Coronavirus Aid, Relief and Economic Security Act (“CARES Act”), which was signed by President Trump on March 27, 2020. $1.8 two 50 March 3, 2020 100 March 15, 2020, The Coronavirus Pandemic is a highly unusual, unprecedented and evolving public health and economic crisis and may The Paycheck Protection Program (“PPP”) reflects a substantial expansion of the Small Business Administration’s 100% 7 $350 500 100% 250% $10.0 100% 24 June 5, 2020 60 June 5, 2020. June 5, 2020 60 not June 5, 2020. 1.00%, 1% 5% second 2020 June 30, 2020, August 8, 2020. second 2020, 2020. July 31, 2020, Congress passed, and on April 24, 2020 $300 $30 $10 Under the CARES Act, a PPP loan is assigned a risk weight of 0% April 9, 2020, 1 In April, 2020, one six 0.35%. No September 30, 2020. April 2020 June 2020. June 30, 2020, may Adoption of New Accounting Standards: February 2016, 2016 02, Leases 2018 01, 2018 10, 2018 11 2018 20 12 December 15, 2018. January 1, 2019 In June 2016, No. 2016 13, Measurement of Credit Losses on Financial Instruments 2018 19 not not December 15, 2019. Financial institutions are not December 31, 2020. no January 1, 2020,

Note 2 - Securities

Note 2 - Securities	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	2. SECURITIES The amortized cost and fair value of available for sale securities and the related pre-tax gross unrealized gains and losses recognized in accumulated other comprehensive income are as follows: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value June 30, 2020 U.S. Government agency debt obligations $ 161,575,000 $ 957,000 $ (35,000 ) $ 162,497,000 Mortgage-backed securities 34,765,000 1,269,000 (1,000 ) 36,033,000 Municipal general obligation bonds 97,171,000 5,296,000 0 102,467,000 Municipal revenue bonds 5,947,000 217,000 0 6,164,000 Other investments 500,000 0 0 500,000 $ 299,958,000 $ 7,739,000 $ (36,000 ) $ 307,661,000 December 31, 2019 U.S. Government agency debt obligations $ 185,103,000 $ 2,449,000 $ (1,142,000 ) $ 186,410,000 Mortgage-backed securities 41,998,000 554,000 (82,000 ) 42,470,000 Municipal general obligation bonds 98,245,000 2,864,000 (30,000 ) 101,079,000 Municipal revenue bonds 4,133,000 63,000 0 4,196,000 Other investments 500,000 0 0 500,000 $ 329,979,000 $ 5,930,000 $ (1,254,000 ) $ 334,655,000 Securities with unrealized losses at June 30, 2020 December 31, 2019, Less than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss June 30, 2020 U.S. Government agency debt obligations $ 16,370,000 $ 35,000 $ 0 $ 0 $ 16,370,000 $ 35,000 Mortgage-backed securities 0 0 26,000 1,000 26,000 1,000 Municipal general obligation bonds 0 0 0 0 0 0 Municipal revenue bonds 0 0 0 0 0 0 $ 16,370,000 $ 35,000 $ 26,000 $ 1,000 $ 16,396,000 $ 36,000 Less than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss December 31, 2019 U.S. Government agency debt obligations $ 25,650,000 $ 349,000 $ 73,913,000 $ 793,000 $ 99,563,000 $ 1,142,000 Mortgage-backed securities 2,838,000 28,000 10,423,000 54,000 13,261,000 82,000 Municipal general obligation bonds 3,755,000 18,000 994,000 12,000 4,749,000 30,000 Municipal revenue bonds 0 0 0 0 0 0 $ 32,243,000 $ 395,000 $ 85,330,000 $ 859,000 $ 117,573,000 $ 1,254,000 We evaluate securities for other-than-temporary impairment at least on a quarterly basis. Consideration is given to the length of time and the extent to which the fair value has been less than cost, the financial condition and near-term prospects of the issuer, and the intent and ability we have to retain our investment in the issuer for a period of time sufficient to allow for any anticipated recovery in fair value. For those securities whose fair value is less than their amortized cost basis, we also consider our intent to sell the security, whether it is more likely than not not may At June 30, 2020, not not not The amortized cost and fair value of debt securities at June 30, 2020, may may not Weighted Average Yield Amortized Cost Fair Value Due in 2020 4.11% $ 410,000 $ 412,000 Due in 2021 through 2025 1.97 60,097,000 61,369,000 Due in 2026 through 2030 2.13 133,632,000 137,347,000 Due in 2031 and beyond 2.64 70,554,000 72,000,000 Mortgage-backed securities 2.57 34,765,000 36,033,000 Other investments 4.50 500,000 500,000 Total available for sale securities 2.27% $ 299,958,000 $ 307,661,000 Securities issued by the State of Michigan and all its political subdivisions had a combined amortized cost of $98.5 million and $96.5 million at June 30, 2020 December 31, 2019, June 30, 2020 December 31, 2019, not 10% The carrying value of U.S. Government agency debt obligations and mortgage-backed securities that are pledged to secure repurchase agreements was $168 million and $103 million at June 30, 2020 December 31, 2019, may

Note 3 - Loans and Allowance fo

Note 3 - Loans and Allowance for Loan Losses	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	3. LOANS AND ALLOWANCE FOR LOAN LOSSES Loans originated for investment are stated at their principal amount outstanding adjusted for partial charge-offs, the allowance, and net deferred loan fees and costs. Interest income on loans is accrued over the term of the loans primarily using the simple interest method based on the principal balance outstanding. Interest is not Our total loans at June 30, 2020 December 31, 2019, June 30, 2020 December 31, 2019, 2019 second 2020, Percent June 30, 2020 December 31, 2019 Increase Balance % Balance % (Decrease) Commercial: Commercial and industrial (1) $ 1,307,455,000 39.2 % $ 846,551,000 29.6 % 54.4 % Vacant land, land development, and residential construction 52,984,000 1.6 56,119,000 2.0 (5.6 ) Real estate – owner occupied 567,621,000 17.0 579,003,000 20.3 (2.0 ) Real estate – non-owner occupied 841,145,000 25.2 835,346,000 29.2 0.7 Real estate – multi-family and residential rental 132,047,000 4.0 124,525,000 4.4 6.0 Total commercial 2,901,252,000 87.0 2,441,544,000 85.5 18.8 Retail: Home equity and other 64,743,000 2.0 75,374,000 2.6 (14.1 ) 1-4 family mortgages 367,061,000 11.0 339,749,000 11.9 8.0 Total retail 431,804,000 13.0 415,123,000 14.5 4.0 Total loans $ 3,333,056,000 100.0 % $ 2,856,667,000 100.0 % 16.7 % ( 1 For June 30, 2020, Nonperforming loans as of June 30, 2020 December 31, 2019 June 30, 2020 December 31, 2019 Loans past due 90 days or more still accruing interest $ 0 $ 0 Nonaccrual loans 3,212,000 2,284,000 Total nonperforming loans $ 3,212,000 $ 2,284,000 The recorded principal balance of nonperforming loans was as follows: June 30, 2020 December 31, 2019 Commercial: Commercial and industrial $ 98,000 $ 0 Vacant land, land development, and residential construction 198,000 0 Real estate – owner occupied 275,000 134,000 Real estate – non-owner occupied 25,000 0 Real estate – multi-family and residential rental 0 2,000 Total commercial 596,000 136,000 Retail: Home equity and other 250,000 255,000 1-4 family mortgages 2,366,000 1,893,000 Total retail 2,616,000 2,148,000 Total nonperforming loans $ 3,212,000 $ 2,284,000 An age analysis of past due loans is as follows as of June 30, 2020: 30 – 59 Days Past Due 60 – 89 Days Past Due Greater Than 89 Days Past Due Total Past Due Current Total Loans Recorded Balance > 89 Days and Accruing Commercial: Commercial and industrial $ 0 $ 0 $ 38,000 $ 38,000 $ 1,307,417,000 $ 1,307,455,000 $ 0 Vacant land, land development, and residential construction 0 22,000 198,000 220,000 52,764,000 52,984,000 0 Real estate – owner occupied 0 0 181,000 181,000 567,440,000 567,621,000 0 Real estate – non-owner occupied 0 25,000 0 25,000 841,120,000 841,145,000 0 Real estate – multi-family and residential rental 0 0 0 0 132,047,000 132,047,000 0 Total commercial 0 47,000 417,000 464,000 2,900,788,000 2,901,252,000 0 Retail: Home equity and other 49,000 39,000 90,000 178,000 64,565,000 64,743,000 0 1-4 family mortgages 238,000 96,000 429,000 763,000 366,298,000 367,061,000 0 Total retail 287,000 135,000 519,000 941,000 430,863,000 431,804,000 0 Total past due loans $ 287,000 $ 182,000 $ 936,000 $ 1,405,000 $ 3,331,651,000 $ 3,333,056,000 $ 0 An age analysis of past due loans is as follows as of December 31, 2019: 30 – 59 Days Past Due 60 – 89 Days Past Due Greater Than 89 Days Past Due Total Past Due Current Total Loans Recorded Balance > 89 Days and Accruing Commercial: Commercial and industrial $ 0 $ 0 $ 0 $ 0 $ 846,551,000 $ 846,551,000 $ 0 Vacant land, land development, and residential construction 191,000 0 0 191,000 55,928,000 56,119,000 0 Real estate – owner occupied 0 0 134,000 134,000 578,869,000 579,003,000 0 Real estate – non-owner occupied 0 0 0 0 835,346,000 835,346,000 0 Real estate – multi-family and residential rental 0 0 0 0 124,525,000 124,525,000 0 Total commercial 191,000 0 134,000 325,000 2,441,219,000 2,441,544,000 0 Retail: Home equity and other 171,000 65,000 20,000 256,000 75,118,000 75,374,000 0 1-4 family mortgages 745,000 29,000 529,000 1,303,000 338,446,000 339,749,000 0 Total retail 916,000 94,000 549,000 1,559,000 413,564,000 415,123,000 0 Total past due loans $ 1,107,000 $ 94,000 $ 683,000 $ 1,884,000 $ 2,854,783,000 $ 2,856,667,000 $ 0 Impaired loans as of June 30, 2020, three six June 30, 2020, Unpaid Contractual Principal Balance Recorded Principal Balance Related Allowance Second Quarter Average Recorded Principal Balance Year-To-Date Average Recorded Principal Balance With no related allowance recorded Commercial: Commercial and industrial $ 8,784,000 $ 8,753,000 $ 9,460,000 $ 9,016,000 Vacant land, land development and residential construction 538,000 453,000 326,000 246,000 Real estate – owner occupied 4,434,000 4,375,000 4,316,000 3,100,000 Real estate – non-owner occupied 25,000 25,000 12,000 67,000 Real estate – multi-family and residential rental 21,000 0 2,000 4,000 Total commercial 13,802,000 13,606,000 14,116,000 12,433,000 Retail: Home equity and other 1,359,000 1,274,000 1,273,000 1,252,000 1-4 family mortgages 4,561,000 2,571,000 2,627,000 2,407,000 Total retail 5,920,000 3,845,000 3,900,000 3,659,000 Total with no related allowance recorded $ 19,722,000 $ 17,451,000 $ 18,016,000 $ 16,092,000 Unpaid Contractual Principal Balance Recorded Principal Balance Related Allowance Second Quarter Average Recorded Principal Balance Year-To-Date Average Recorded Principal Balance With an allowance recorded Commercial: Commercial and industrial $ 1,331,000 $ 1,330,000 $ 1,006,000 $ 1,751,000 $ 1,320,000 Vacant land, land development and residential construction 0 0 0 192,000 128,000 Real estate – owner occupied 49,000 49,000 2,000 126,000 443,000 Real estate – non-owner occupied 170,000 170,000 3,000 85,000 57,000 Real estate – multi-family and residential rental 1,000 1,000 0 0 0 Total commercial 1,551,000 1,550,000 1,011,000 2,154,000 1,948,000 Retail: Home equity and other 596,000 577,000 339,000 486,000 486,000 1-4 family mortgages 662,000 662,000 162,000 638,000 544,000 Total retail 1,258,000 1,239,000 501,000 1,124,000 1,030,000 Total with an allowance recorded $ 2,809,000 $ 2,789,000 $ 1,512,000 $ 3,278,000 $ 2,978,000 Total impaired loans: Commercial $ 15,353,000 $ 15,156,000 $ 1,011,000 $ 16,270,000 $ 14,381,000 Retail 7,178,000 5,084,000 501,000 5,024,000 4,689,000 Total impaired loans $ 22,531,000 $ 20,240,000 $ 1,512,000 $ 21,294,000 $ 19,070,000 Impaired loans as of December 31, 2019, three six June 30, 2019, Unpaid Contractual Principal Balance Recorded Principal Balance Related Allowance Second Quarter Average Recorded Principal Balance Year-To-Date Average Recorded Principal Balance With no related allowance recorded Commercial: Commercial and industrial $ 8,129,000 $ 8,129,000 $ 10,214,000 $ 9,810,000 Vacant land, land development and residential construction 85,000 85,000 90,000 91,000 Real estate – owner occupied 715,000 667,000 2,083,000 1,996,000 Real estate – non-owner occupied 178,000 178,000 175,000 117,000 Real estate – multi-family and residential rental 29,000 9,000 89,000 68,000 Total commercial 9,136,000 9,068,000 12,651,000 12,082,000 Retail: Home equity and other 1,279,000 1,209,000 1,360,000 1,222,000 1-4 family mortgages 3,272,000 1,968,000 2,201,000 2,214,000 Total retail 4,551,000 3,177,000 3,561,000 3,436,000 Total with no related allowance recorded $ 13,687,000 $ 12,245,000 $ 16,212,000 $ 15,518,000 Unpaid Contractual Principal Balance Recorded Principal Balance Related Allowance Second Quarter Average Recorded Principal Balance Year-To-Date Average Recorded Principal Balance With an allowance recorded Commercial: Commercial and industrial $ 460,000 $ 458,000 $ 202,000 $ 9,687,000 $ 8,184,000 Vacant land, land development and residential construction 0 0 0 0 0 Real estate – owner occupied 1,078,000 1,078,000 982,000 1,384,000 1,858,000 Real estate – non-owner occupied 0 0 0 47,000 101,000 Real estate – multi-family and residential rental 0 0 0 65,000 90,000 Total commercial 1,538,000 1,536,000 1,184,000 11,183,000 10,233,000 Retail: Home equity and other 502,000 485,000 356,000 572,000 672,000 1-4 family mortgages 358,000 356,000 83,000 639,000 663,000 Total retail 860,000 841,000 439,000 1,211,000 1,335,000 Total with an allowance recorded $ 2,398,000 $ 2,377,000 $ 1,623,000 $ 12,394,000 $ 11,568,000 Total impaired loans: Commercial $ 10,674,000 $ 10,604,000 $ 1,184,000 $ 23,834,000 $ 22,315,000 Retail 5,411,000 4,018,000 439,000 4,772,000 4,771,000 Total impaired loans $ 16,085,000 $ 14,622,000 $ 1,623,000 $ 28,606,000 $ 27,086,000 Impaired loans for which no second 2020 2019, first six 2020 2019, No second first six 2020 2019 second 2020 2019, first six 2020 2019, Credit Quality Indicators. ten Credit quality indicators were as follows as of June 30, 2020: Commercial credit exposure – credit risk profiled by internal credit risk grades: Commercial and Industrial Commercial Vacant Land, Land Development, and Residential Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family and Residential Rental Internal credit risk grade groupings: Grades 1 – 4 (1) $ 1,008,010,000 $ 21,500,000 $ 309,221,000 $ 545,764,000 $ 73,394,000 Grades 5 – 7 289,342,000 30,914,000 253,695,000 294,423,000 58,461,000 Grades 8 – 9 10,103,000 570,000 4,705,000 958,000 192,000 Total commercial $ 1,307,455,000 $ 52,984,000 $ 567,621,000 $ 841,145,000 $ 132,047,000 Retail credit exposure – credit risk profiled by collateral type: Retail Home Equity and Other Retail 1-4 Family Mortgages Performing 64,493,000 364,695,000 Nonperforming 250,000 2,366,000 Total retail $ 64,743,000 $ 367,061,000 ( 1 Included in Commercial and Industrial Loans Grades 1 4 Credit quality indicators were as follows as of December 30, 2019: Commercial credit exposure – credit risk profiled by internal credit risk grades: Commercial and Industrial Commercial Vacant Land, Land Development, and Residential Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family and Residential Rental Internal credit risk grade groupings: Grades 1 – 4 $ 521,920,000 $ 26,065,000 $ 351,671,000 $ 563,087,000 $ 85,152,000 Grades 5 – 7 309,824,000 29,716,000 220,980,000 272,124,000 39,203,000 Grades 8 – 9 14,807,000 338,000 6,352,000 135,000 170,000 Total commercial $ 846,551,000 $ 56,119,000 $ 579,003,000 $ 835,346,000 $ 124,525,000 Retail credit exposure – credit risk profiled by collateral type: Retail Home Equity and Other Retail 1-4 Family Mortgages Performing 75,119,000 337,856,000 Nonperforming 255,000 1,893,000 Total retail $ 75,374,000 $ 339,749,000 All commercial loans are graded using the following criteria: Grade 1. “Exceptional” Loans with this rating contain very little, if any, risk. Grade 2. “Outstanding” Loans with this rating have excellent and stable sources of repayment and conform to bank policy and regulatory requirements. Grade 3. “Very Good” Loans with this rating have strong sources of repayment and conform to bank policy and regulatory requirements. These are loans for which repayment risks are acceptable. Grade 4. “Good” Loans with this rating have solid sources of repayment and conform to bank policy and regulatory requirements. These are loans for which repayment risks are modest. Grade 5. “Acceptable” Loans with this rating exhibit acceptable sources of repayment and conform with most bank policies and all regulatory requirements. These are loans for which repayment risks are satisfactory. Grade 6. “Monitor” Loans with this rating are considered to have emerging weaknesses which may Grade 7. “Special Mention” Loans with this rating have potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may Grade 8. “Substandard” Loans with this rating are inadequately protected by current sound net worth, paying capacity of the obligor, or of the pledged collateral, if any. A Substandard loan normally has one not Grade 9. “Doubtful” Loans with this rating exhibit all the weaknesses inherent in the Substandard classification and where collection or liquidation in full is highly questionable and improbable. Grade 10. “Loss” Loans with this rating are considered uncollectable, and of such little value that continuance as an active asset is not The primary risk elements with respect to commercial loans are the financial condition of the borrower, the sufficiency of collateral, and timeliness of scheduled payments. We have a policy of requesting and reviewing periodic financial statements from commercial loan customers and employ a disciplined and formalized review of the existence of collateral and its value. The primary risk element with respect to each residential real estate loan and consumer loan is the timeliness of scheduled payments. We have a reporting system that monitors past due loans and have adopted policies to pursue creditors’ rights in order to preserve our collateral position. Activity in the allowance for loan losses and the recorded investments in loans as of and during the three six June 30, 2020 Commercial Loans Retail Loans Unallocated Total Allowance for loan losses: Balance at March 31, 2020 $ 21,750,000 $ 3,078,000 $ 0 $ 24,828,000 Provision for loan losses 6,466,000 1,074,000 60,000 7,600,000 Charge-offs (301,000 ) (34,000 ) 0 (335,000 ) Recoveries 47,000 106,000 0 153,000 Ending balance $ 27,962,000 $ 4,224,000 $ 60,000 $ 32,246,000 Allowance for loan losses: Balance at December 31, 2019 $ 21,070,000 $ 2,749,000 $ 70,000 $ 23,889,000 Provision for loan losses 7,039,000 1,321,000 (10,000 ) 8,350,000 Charge-offs (314,000 ) (61,000 ) 0 (375,000 ) Recoveries 167,000 215,000 0 382,000 Ending balance $ 27,962,000 $ 4,224,000 $ 60,000 $ 32,246,000 Ending balance: individually evaluated for impairment $ 1,011,000 $ 501,000 $ 0 $ 1,512,000 Ending balance: collectively evaluated for impairment $ 26,951,000 $ 3,723,000 $ 60,000 $ 30,734,000 Total loans: Ending balance $ 2,901,252,000 $ 431,804,000 $ 3,333,056,000 Ending balance: individually evaluated for impairment $ 15,156,000 $ 5,084,000 $ 20,240,000 Ending balance: collectively evaluated for impairment $ 2,886,096,000 $ 426,720,000 $ 3,312,816,000 Activity in the allowance for loan losses for loans during the three six June 30, 2019 December 31, 2019 Commercial Loans Retail Loans Unallocated Total Allowance for loan losses: Balance at March 31, 2019 $ 20,211,000 $ 2,696,000 $ 228,000 $ 23,135,000 Provision for loan losses 1,015,000 16,000 (131,000 ) 900,000 Charge-offs (2,000 ) (75,000 ) 0 (77,000 ) Recoveries 47,000 48,000 0 95,000 Ending balance $ 21,271,000 $ 2,685,000 $ 97,000 $ 24,053,000 Allowance for loan losses: Balance at December 31, 2018 $ 19,619,000 $ 2,717,000 $ 44,000 $ 22,380,000 Provision for loan losses 1,579,000 118,000 53,000 1,750,000 Charge-offs (2,000 ) (250,000 ) 0 (252,000 ) Recoveries 75,000 100,000 0 175,000 Ending balance $ 21,271,000 $ 2,685,000 $ 97,000 $ 24,053,000 Ending balance: individually evaluated for impairment $ 2,149,000 $ 387,000 $ 0 $ 2,536,000 Ending balance: collectively evaluated for impairment $ 19,122,000 $ 2,298,000 $ 97,000 $ 21,517,000 Total loans: Ending balance $ 2,441,544,000 $ 415,123,000 $ 2,856,667,000 Ending balance: individually evaluated for impairment $ 10,986,000 $ 4,070,000 $ 15,056,000 Ending balance: collectively evaluated for impairment $ 2,430,558,000 $ 411,053,000 $ 2,841,611,000 Loans modified as troubled debt restructurings during the three June 30, 2020 Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Commercial: Commercial and industrial 2 $ 6,000 $ 6,000 Vacant land, land development and residential construction 0 0 0 Real estate – owner occupied 0 0 0 Real estate – non-owner occupied 0 0 0 Real estate – multi-family and residential rental 0 0 0 Total commercial 2 6,000 6,000 Retail: Home equity and other 7 438,000 439,000 1-4 family mortgages 1 20,000 20,000 Total retail 8 458,000 459,000 Total loans 10 $ 464,000 $ 465,000 Loans modified as troubled debt restructurings during the six June 30, 2020 Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Commercial: Commercial and industrial 8 $ 6,545,000 $ 6,542,000 Vacant land, land development and residential construction 0 0 0 Real estate – owner occupied 8 4,261,000 3,659,000 Real estate – non-owner occupied 0 0 0 Real estate – multi-family and residential rental 0 0 0 Total commercial 16 10,806,000 10,201,000 Retail: Home equity and other 10 503,000 505,000 1-4 family mortgages 1 20,000 20,000 Total retail 11 523,000 525,000 Total loans 27 $ 11,329,000 $ 10,726,000 Loans modified as troubled debt restructurings during the three June 30, 2019 Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Commercial: Commercial and industrial 3 $ 14,040,000 $ 14,337,000 Vacant land, land development and residential construction 0 0 0 Real estate – owner occupied 1 1,567,000 1,567,000 Real estate – non-owner occupied 0 0 0 Real estate – multi-family and residential rental 0 0 0 Total commercial 4 15,607,000 15,904,000 Retail: Home equity and other 4 93,000 94,000 1-4 family mortgages 3 122,000 122,000 Total retail 7 215,000 216,000 Total loans 11 $ 15,822,000 $ 16,120,000 Loans modified as troubled debt restructurings during the six June 30, 2019 Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Commercial: Commercial and industrial 6 $ 14,429,000 $ 14,726,000 Vacant land, land development and residential construction 0 0 0 Real estate – owner occupied 2 2,257,000 2,246,000 Real estate – non-owner occupied 0 0 0 Real estate – multi-family and residential rental 0 0 0 Total commercial 8 16,686,000 16,972,000 Retail: Home equity and other 8 163,000 164,000 1-4 family mortgages 4 154,000 154,000 Total retail 12 317,000 318,000 Total loans 20 $ 17,003,000 $ 17,290,000 The following loans, modified as troubled debt restructurings within the previous twelve three June 30, 2020 ( Number of Contracts Recorded Principal Balance Commercial: Commercial and industrial 0 $ 0 Vacant land, land development and residential construction 0 0 Real estate – owner occupied 0 0 Real estate – non-owner occupied 0 0 Real estate – multi-family and residential rental 0 0 Total commercial 0 0 Retail: Home equity and other 0 0 1-4 family mortgages 0 0 Total retail 0 0 Total 0 $ 0 The following loans, modified as troubled debt restructurings within the previous twelve 30 six June 30, 2020 ( Number of Contracts Recorded Principal Balance Commercial: Commercial and industrial 0 $ 0 Vacant land, land development and residential construction 0 0 Real estate – owner occupied 0 0 Real estate – non-owner occupied 0 0 Real estate – multi-family and residential rental 0 0 Total commercial 0 0 Retail: Home equity and other 0 0 1-4 family mortgages 1 32,000 Total retail 1 32,000 Total 1 $ 32,000 The following loans, modified as troubled debt restructurings within the previous twelve 30 three June 30, 2019 ( Number of Contracts Recorded Principal Balance Commercial: Commercial and industrial 0 $ 0 Vacant land, land development and residential construction 0 0 Real estate – owner occupied 0 0 Real estate – non-owner occupied 0 0 Real estate – multi-family and residential rental 0 0 Total commercial 0 0 Retail: Home equity and other 0 0 1-4 family mortgages 0 0 Total retail 0 0 Total 0 $ 0 The following loans, modified as troubled debt restructurings within the previous twelve 30 six June 30, 2019 ( Number of Contracts Recorded Principal Balance Commercial: Commercial and industrial 0 $ 0 Vacant land, land development and residential construction 0 0 Real estate – owner occupied 0 0 Real estate – non-owner occupied 0 0 Real estate – multi-family and residential rental 0 0 Total commercial 0 0 Retail: Home equity and other 0 0 1-4 family mortgages 0 0 Total retail 0 0 Total 0 $ 0 Activity for loans categorized as troubled debt restructurings during the three June 30, 2020 Commercial and Industrial Commercial Vacant Land, Land Development, and Residential Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family and Residential Rental Commercial Loan Portfolio: Beginning Balance $ 12,204,000 $ 82,000 $ 3,811,000 $ 174,000 $ 3,000 Charge-Offs 0 0 0 0 0 Payments (2,143,000 ) (2,000 ) (20,000 ) (4,000 ) (2,000 ) Transfers to ORE 0 0 0 0 0 Net Additions/Deletions 6,000 0 0 0 0 Ending Balance $ 10,067,000 $ 80,000 $ 3,791,000 $ 170,000 $ 1,000 Retail Home Equity and Other Retail 1-4 Family Mortgages Retail Loan Portfolio: Beginning Balance $ 1,452,000 $ 715,000 Charge-Offs 0 0 Payments (175,000 ) (20,000 ) Transfers to ORE 0 0 Net Additions/Deletions 438,000 20,000 Ending Balance $ 1,715,000 $ 715,000 Activity for loans categorized as troubled debt restructurings during the six June 30, 2020 Commercial and Industrial Commercial Vacant Land, Land Development, and Residential Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family and Residential Rental Commercial Loan Portfolio: Beginning Balance $ 8,587,000 $ 85,000 $ 1,145,000 $ 178,000 $ 7,000 Charge-Offs 0 0 0 0 0 Payments (4,975,000 ) (5,000 ) (1,008,000 ) (8,000 ) (6,000 ) Transfers to ORE 0 0 0 0 0 Net Additions/Deletions 6,455,000 0 3,654,000 0 0 Ending Balance $ 10,067,000 $ 80,000 $ 3,791,000 $ 170,000 $ 1,000 Retail Home Equity and Other Retail 1-4 Family Mortgages Retail Loan Portfolio: Beginning Balance $ 1,415,000 $ 724,000 Charge-Offs 0 0 Payments (203,000 ) (29,000 ) Transfers to ORE 0 0 Net Additions/Deletions 503,000 20,000 Ending Balance $ 1,715,000 $ 715,000 Activity for loans categorized as troubled debt restructurings during the three June 30, 2019 Commercial and Industrial Commercial Vacant Land, Land Development, and Residential Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family and Residential Rental Commercial Loan Portfolio: Beginning Balance $ 15,610,000 $ 0 $ 3,695,000 $ 189,000 $ 21,000 Charge-Offs 0 0 0 0 0 Payments (3,148,000 ) 0 (2,377,000 ) (4,000 ) (4,000 ) Transfers to ORE 0 0 0 0 0 Net Additions/Deletions 11,672,000 0 1,180,000 0 0 Ending Balance $ 24,134,000 $ 0 $ 2,498,000 $ 185,000 $ 17,000 Retail Home Equity and Other Retail 1-4 Family Mortgages Retail Loan Portfolio: Beginning Balance $ 1,444,000 $ 600,000 Charge-Offs (18,000 ) 0 Payments (62,000 ) (14,000 ) Transfers to ORE 0 0 Net Additions/Deletions 102,000 120,000 Ending Balance $ 1,466,000 $ 706,000 Activity for loans categorized as troubled debt restructurings during the six June 30, 2019 Commercial and Industrial Commercial Vacant Land, Land Development, and Residential Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family and Residential Rental Commercial Loan Portfolio: Beginning Balance $ 14,138,000 $ 0 $ 3,100,000 $ 210,000 $ 24,000 Charge-Offs 0 0 0 0 0 Payments (4,814,000 ) 0 (2,425,000 ) (25,000 ) (7,000 ) Transfers to ORE 0 0 (97,000 ) 0 0 Net Additions/Deletions 14,810,000 0 1,920,000 0 0 Ending Balance $ 24,134,000 $ 0 $ 2,498,000 $ 185,000 $ 17,000 Retail Home Equity and Other Retail 1-4 Family Mortgages Retail Loan Portfolio: Beginning Balance $ 1,402,000 $ 578,000 Charge-Offs (18,000 ) 0 Payments (90,000 ) (24,000 ) Transfers to ORE 0 0 Net Additions/Deletions 172,000 152,000 Ending Balance $ 1,466,000 $ 706,000 The allowance related to loans categorized as troubled debt restructurings was as follows: June 30, 2020 December 31, 2019 Commercial: Commercial and industrial $ 946,000 $ 202,000 Vacant land, land development, and residential construction 0 0 Real estate – owner occupied 2,000 982,000 Real estate – non-owner occupied 3,000 0 Real estate – multi-family and residential rental 0 0 Total commercial 951,000 1,184,000 Retail: Home equity and other 288,000 311,000 1-4 family mortgages 154,000 83,000 Total retail 442,000 394,000 Total related allowance $ 1,393,000 $ 1,578,000 In general, our policy dictates that a renewal or modification of an 8 9 8 9 8 9

Note 4 - Premises and Equipment

Note 4 - Premises and Equipment, Net	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Property, Plant and Equipment Disclosure [Text Block]	4. PREMISES AND EQUIPMENT, NET Premises and equipment are comprised of the following: June 30, 2020 December 31, 2019 Land and improvements $ 17,218,000 $ 17,039,000 Buildings 55,580,000 52,847,000 Furniture and equipment 21,790,000 22,712,000 94,588,000 92,598,000 Less: accumulated depreciation 35,433,000 35,271,000 Premises and equipment, net $ 59,155,000 $ 57,327,000 Depreciation expense totaled $1.3 million and $0.9 million during the second 2020 2019, first six 2020, first six 2019.

Note 5 - Deposits

Note 5 - Deposits	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Deposit Liabilities Disclosures [Text Block]	5. DEPOSITS Our total deposits at June 30, 2020 December 31, 2019. June 30, 2020 December 31, 2019, 2019 second 2020, June 30, 2020 December 31, 2019 Percent Increase Balance % Balance % (Decrease) Noninterest-bearing demand $ 1,445,620,000 44.3 % $ 924,916,000 34.4 % 56.3 % Interest-bearing checking 382,522,000 11.7 332,373,000 12.3 15.1 Money market 541,929,000 16.6 509,368,000 18.9 6.4 Savings 301,881,000 9.2 269,318,000 10.0 12.1 Time, under $100,000 178,838,000 5.5 198,123,000 7.4 (9.7 ) Time, $100,000 and over 334,781,000 10.3 322,827,000 12.0 3.7 Total local deposits 3,185,571,000 97.6 2,556,925,000 95.0 24.6 Out-of-area time, under $100,000 0 NA 0 NA NA Out-of-area time, $100,000 and over 76,709,000 2.4 133,459,000 5.0 (42.5 ) Total out-of-area deposits 76,709,000 2.4 133,459,000 5.0 (42.5 ) Total deposits $ 3,262,280,000 100.0 % $ 2,690,384,000 100.0 % 21.3 % Total time deposits of more than $250,000 June 30, 2020 December 31, 2019,

Note 6 - Securities Sold Under

Note 6 - Securities Sold Under Agreements to Repurchase	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Repurchase Agreements, Resale Agreements, Securities Borrowed, and Securities Loaned Disclosure [Text Block]	6. SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE Securities sold under agreements to repurchase (“repurchase agreements”) are offered principally to certain large deposit customers. Information relating to our repurchase agreements follows: Six Months Ended June 30, 2020 Twelve Months Ended December 31, 2019 Outstanding balance at end of period $ 167,527,000 $ 102,675,000 Average interest rate at end of period 0.10 % 0.17 % Average daily balance during the period $ 123,486,000 $ 105,234,000 Average interest rate during the period 0.13 % 0.24 % Maximum daily balance during the period $ 167,527,000 $ 133,411,000 Repurchase agreements generally have maturities of one

Note 7 - Federal Home Loan Bank

Note 7 - Federal Home Loan Bank of Indianapolis Advances	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Federal Home Loan Bank Advances, Disclosure [Text Block]	7. FEDERAL HOME LOAN BANK OF INDIANAPOLIS ADVANCES Federal Home Loan Bank of Indianapolis (“FHLBI”) advances totaled $394 million at June 30, 2020, November 2021 June 2027, December 31, 2019, April 2020 June 2025, June 2020, seven August 2020 October 2021 seven June 2024 June 2027 0.84% Each advance is payable at its maturity date and is subject to a prepayment fee if paid prior to the maturity date. The advances are collateralized by residential mortgage loans, first first June 30, 2020 Maturities of currently outstanding FHLBI advances are as follows: 2020 $ 0 2021 20,000,000 2022 94,000,000 2023 80,000,000 2024 80,000,000 Thereafter 120,000,000

Note 8 - Commitments and Off-ba

Note 8 - Commitments and Off-balance Sheet Risk	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Commitments Contingencies and Guarantees [Text Block]	8. COMMITMENTS AND OFF-BALANCE SHEET RISK Our bank is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit. Loan commitments to extend credit are agreements to lend to a customer as long as there is no third may not These instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized, if any, in the balance sheet. Our bank’s maximum exposure to loan loss in the event of nonperformance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual notional amount of those instruments. Our bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. Collateral, such as accounts receivable, securities, inventory, and property and equipment, is generally obtained based on our credit assessment of the borrower. If required, estimated loss exposure resulting from these instruments is expensed and recorded as a liability. There was no liability balance for these instruments as of June 30, 2020 December 31, 2019. A summary of the contractual amounts of our financial instruments with off-balance sheet risk at June 30, 2020 December 31, 2019 June 30, 2020 December 31, 2019 Commercial unused lines of credit $ 862,725,000 $ 776,493,000 Unused lines of credit secured by 1 – 4 family residential properties 60,196,000 60,858,000 Credit card unused lines of credit 63,951,000 58,199,000 Other consumer unused lines of credit 23,080,000 18,135,000 Commitments to make loans 175,951,000 101,961,000 Standby letters of credit 21,427,000 22,798,000 $ 1,207,330,000 $ 1,038,444,000

Note 9 - Fair Values of Financi

Note 9 - Fair Values of Financial Instruments	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Fair Value Disclosures [Text Block]	9. FAIR VALUES OF FINANCIAL INSTRUMENTS The carrying amounts, estimated fair values and level within the fair value hierarchy of financial instruments were as follows as of June 30, 2020 December 31, 2019 ( Level in June 30, 2020 December 31, 2019 Fair Value Hierarchy Carrying Values Fair Values Carrying Values Fair Values Financial assets: Cash Level 1 $ 18,930 $ 18,930 $ 16,430 $ 16,430 Cash equivalents Level 2 452,297 452,297 217,301 217,301 Securities available for sale (1) 307,661 307,661 334,655 334,655 FHLBI stock (2) 18,002 18,002 18,002 18,002 Loans, net Level 3 3,259,673 3,346,702 2,827,800 2,887,168 Loans held for sale Level 2 41,137 42,806 4,978 4,978 Mortgage servicing rights Level 2 5,636 8,418 4,652 7,375 Accrued interest receivable Level 2 9,290 9,290 9,944 9,944 Financial liabilities: Deposits Level 2 3,262,280 3,237,888 2,690,384 2,600,452 Repurchase agreements Level 2 167,527 167,527 102,675 102,675 FHLBI advances Level 2 394,000 413,915 354,000 361,887 Subordinated debentures Level 2 47,222 46,172 46,881 46,140 Accrued interest payable Level 2 3,011 3,011 3,949 3,949 ( 1 See Note 10 ( 2 It is not Carrying amount is the estimated fair value for cash and cash equivalents, FHLBI stock, accrued interest receivable and payable, noninterest-bearing checking accounts and securities sold under agreements to repurchase. Security fair values are based on market prices or dealer quotes, and if no 2016 01,

Note 10 - Fair Values

Note 10 - Fair Values	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Fair Value Measurement and Measurement Inputs, Recurring and Nonrecurring [Text Block]	1 0 . FAIR VALUES Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability, or in the absence of a principal market, the most advantageous market for the asset or liability. The price of the principal (or most advantageous) market used to measure the fair value of the asset or liability is not not We are required to use valuation techniques that are consistent with the market approach, the income approach and/or the cost approach. The market approach uses prices and other relevant information generated by market transactions involving identical or comparable assets and liabilities. The income approach uses valuation techniques to convert future amounts, such as cash flows or earnings, to a single present amount on a discounted basis. The cost approach is based on the amount that currently would be required to replace the service capacity of an asset (replacement cost). Valuation techniques should be consistently applied. Inputs to valuation techniques refer to the assumptions that market participants would use in pricing the asset or liability. Inputs may Level 1: Level 2: 1 not Level 3: The following is a description of our valuation methodologies used to measure and disclose the fair values of our financial assets and liabilities that are recorded at fair value on a recurring or nonrecurring basis: Securities available for sale. not 2 3 June 30, 2020 December 31, 2019. 1 Derivatives Mortgage loans held for sale June 30, 2020 December 31, 2019, Loans not Foreclosed Assets. Assets and Liabilities Measured at Fair Value on a Recurring Basis The balances of assets and liabilities measured at fair value on a recurring basis as of June 30, 2020 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Available for sale securities U.S. Government agency debt obligations $ 162,497,000 $ 0 $ 162,497,000 $ 0 Mortgage-backed securities 36,033,000 0 36,033,000 0 Municipal general obligation bonds 102,467,000 0 101,661,000 806,000 Municipal revenue bonds 6,164,000 0 6,164,000 0 Other investments 500,000 0 500,000 0 Total $ 307,661,000 $ 0 $ 306,855,000 $ 806,000 There were no 1, 2 3 first six 2020. 3 first six 2020 The balances of assets and liabilities measured at fair value on a recurring basis as of December 31, 2019 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Available for sale securities U.S. Government agency debt obligations $ 186,410,000 $ 0 $ 186,410,000 $ 0 Mortgage-backed securities 42,470,000 0 42,470,000 0 Municipal general obligation bonds 101,079,000 0 99,029,000 2,050,000 Municipal revenue bonds 4,196,000 0 4,196,000 0 Other investments 500,000 0 500,000 0 Total $ 334,655,000 $ 0 $ 332,605,000 $ 2,050,000 There were no 1, 2 3 2019. 3 2019 Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis The balances of assets and liabilities measured at fair value on a nonrecurring basis as of June 30, 2020 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans $ 3,082,000 $ 0 $ 0 $ 3,082,000 Foreclosed assets 198,000 0 0 198,000 Total $ 3,280,000 $ 0 $ 0 $ 3,280,000 The balances of assets and liabilities measured at fair value on a nonrecurring basis as of December 31, 2019 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans $ 1,107,000 $ 0 $ 0 $ 1,107,000 Foreclosed assets 452,000 0 0 452,000 Total $ 1,559,000 $ 0 $ 0 $ 1,559,000 The carrying values are based on the estimated value of the property or other assets. Fair value estimates of collateral on impaired loans and foreclosed assets are reviewed periodically. Our credit policies establish criteria for obtaining appraisals and determining internal value estimates. We may may

Note 11 - Regulatory Matters

Note 11 - Regulatory Matters	6 Months Ended
	Jun. 30, 2020
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	1 1 . REGULATORY MATTERS We are subject to regulatory capital requirements administered by federal banking agencies. Capital adequacy guidelines and prompt corrective action regulations involve quantitative measures of assets, liabilities, and certain off-balance sheet items calculated under regulatory accounting practices. Capital amounts and classifications are also subject to qualitative judgments by regulators about components, risk weightings, and other factors, and the regulators can lower classifications in certain cases. Failure to meet various capital requirements can initiate regulatory action that could have a direct material effect on our financial statements. The prompt corrective action regulations provide five not not no may may June 30, 2020 December 31, 2019, no June 30, 2020 Our actual capital levels (dollars in thousands) and the minimum levels required to be categorized as adequately and well capitalized were: Actual Minimum Required for Capital Adequacy Purposes Minimum Required to be Well Capitalized Under Prompt Corrective Action Regulations Amount Ratio Amount Ratio Amount Ratio June 30, 2020 Total capital (to risk weighted assets) Consolidated $ 444,772 13.7 % $ 259,076 8.0 % $ NA NA Bank 436,832 13.5 259,017 8.0 323,771 10.0 % Tier 1 capital (to risk weighted assets) Consolidated 412,526 12.7 194,307 6.0 NA NA Bank 404,587 12.5 194,263 6.0 259,017 8.0 Common equity tier 1 (to risk weighted assets) Consolidated 367,379 11.3 145,730 4.5 NA NA Bank 404,587 12.5 145,697 4.5 210,452 6.5 Tier 1 capital (to average assets) Consolidated 412,526 10.2 161,668 4.0 NA NA Bank 404,587 10.0 161,639 4.0 202,048 5.0 December 31, 2019 Total capital (to risk weighted assets) Consolidated $ 429,038 13.1 % $ 262,141 8.0 % $ NA NA Bank 424,917 13.0 262,088 8.0 327,610 10.0 % Tier 1 capital (to risk weighted assets) Consolidated 405,148 12.4 196,606 6.0 NA NA Bank 401,027 12.2 196,566 6.0 262,088 8.0 Common equity tier 1 (to risk weighted assets) Consolidated 360,342 11.0 147,454 4.5 NA NA Bank 401,027 12.2 147,425 4.5 212,947 6.5 Tier 1 capital (to average assets) Consolidated 405,148 11.3 143,689 4.0 NA NA Bank 401,027 11.2 143,670 4.0 179,588 5.0 Our consolidated capital levels as of June 30, 2020 December 31, 2019 may 1 not 1 not May 19, 2010, December 31, 2009 June 30, 2020 December 31, 2019, 1 Under the final BASEL III capital rules that became effective on January 1, 2015, 1 not three 2016. 1 1 January 1, 2019. June 30, 2020, Our and our bank’s ability to pay cash and stock dividends is subject to limitations under various laws and regulations and to prudent and sound banking practices. On January 16, 2020, March 18, 2020 March 6, 2020. April 16, 2020, June 17, 2020 June 5, 2020. July 16, 2020, September 16, 2020 September 4, 2020. In May 2019, January 2015 April 2016. first six 2020, January 2015 March 31, 2020, may

Significant Accounting Policies

Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2020
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	Basis of Presentation six June 30, 2020 two 10 303 not not June 30, 2020 not 10 December 31, 2019. We have five separate business trusts that were formed to issue trust preferred securities. Subordinated debentures were issued to the trusts in return for the proceeds raised from the issuance of the trust preferred securities. The trusts are not
Earnings Per Share, Policy [Policy Text Block]	Earnings Per Share Approximately 256,000 unvested restricted shares were included in determining both basic and diluted earnings per share for the three six June 30, 2020. three six June 30, 2020. not three six June 30, 2020. Approximately 261,000 unvested restricted shares were included in determining both basic and diluted earnings per share for the three six June 30, 2019. three six June 30, 2019. not three six June 30, 2019.
Marketable Securities, Policy [Policy Text Block]	Securities Interest income includes amortization of purchase premiums and accretion of discounts. Premiums and discounts on securities are amortized or accreted on the level-yield method without anticipating prepayments, except for mortgage-backed securities where prepayments are anticipated. Gains and losses on sales are recorded on the trade date and determined using the specific identification method. Declines in the fair value of debt securities below their amortized cost that are other-than-temporary impairment (“OTTI”) are reflected in earnings or other comprehensive income, as appropriate. For those debt securities whose fair value is less than their amortized cost, we consider our intent to sell the security, whether it is more likely than not not two 1 2
Financing Receivable, Held-for-investment [Policy Text Block]	Loans Interest income on commercial loans and mortgage loans is discontinued at the time the loan is 90 days delinquent unless the loan is well-secured and in process of collection. Consumer and credit card loans are typically charged off no All interest accrued but not
Financing Receivable, Held-for-sale [Policy Text Block]	Loans Held for Sale June 30, 2020 December 31, 2019, Mortgage loans held for sale are generally sold with servicing rights retained. Gains and losses on sales of mortgage loans are based on the difference between the selling price and the carrying value of the related loan sold, which is reduced by the cost allocated to the servicing right. We generally lock in the sale price to the purchaser of the loan at the same time we make an interest rate commitment to the borrower. These mortgage banking activities are not June 30, 2020, December 31, 2019,
Mortgage Banking Activity [Policy Text Block]	Mortgage Banking Activities Servicing fee income is recorded for fees earned for servicing mortgage loans. The fees are based on a contractual percentage of the outstanding principal or a fixed amount per loan and are recorded as income when earned. Amortization of mortgage loan servicing rights is netted against mortgage loan servicing income and recorded in mortgage banking activities in the income statement.
Troubled Debt Restructuring [Policy Text Block]	Troubled Debt Restructurings not may In accordance with current accounting guidance, loans modified as troubled debt restructurings are, by definition, considered to be impaired loans. Impairment for these loans is measured on a loan-by-loan basis similar to other impaired loans as described below under “Allowance for Loan Losses.” Certain loans modified as troubled debt restructurings may two The federal banking agencies issued an “ Interagency Statement on Loan Modifications and R eporting for Financial Institutions Working with Customers Affected by the Coronavirus” March 22, 2020, April 7, 2020. may six not 4013 December 31, 2019 March 1, 2020 60 December 31, 2020, not In early April 2020, three three 12 three June 30, 2020, three June 30, 2020, April, May June 2020 We have also had some instances where commercial borrowers have subsequently requested and received an additional 90 three 90 three three nine 0% July 31, 2020, 90 three July 31, 2020.
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Allowance for Loan Losses may A loan is considered to be impaired when, based on current information and events, it is probable we will be unable to collect the scheduled payments of principal and interest when due according to the contractual terms of the loan agreement. Factors considered in determining impairment include payment status, collateral value and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not Financial institutions are not December 31, 2020. no
Derivatives, Policy [Policy Text Block]	Derivatives not Changes in the fair value of derivatives that are designated, for accounting purposes, as a hedge of the variability of cash flows to be received on various assets and liabilities and are effective are reported in other comprehensive income. They are later reclassified into earnings in the same periods during which the hedged transaction affects earnings and are included in the line item in which the hedged cash flows are recorded. If hedge accounting does not If designated as a hedge, we formally document the relationship between the derivatives and hedged items, as well as the risk-management objective and the strategy for undertaking hedge transactions. This documentation includes linking cash flow hedges to specific assets and liabilities on the balance sheet. If designated as a hedge, we also formally assess, both at the hedge’s inception and on an ongoing basis, whether the derivative instruments that are used are highly effective in offsetting changes in cash flows of the hedged items. Ineffective hedge gains and losses are recognized immediately in current earnings as noninterest income or expense. We discontinue hedge accounting when we determine the derivative is no no
Goodwill and Intangible Assets, Policy [Policy Text Block]	Goodwill and Core Deposit Intangible may not may not not 2019, not no Due to current stressed economic and market conditions, we assessed goodwill for impairment as of March 31, 2020 June 30, 2020. March 31, 2020, not March 31, 2020. June 30, 2020, 0 not no The core deposit intangible that arose from the Firstbank Corporation acquisition was initially measured at fair value and is being amortized into noninterest expense over a ten
Revenue from Contract with Customer [Policy Text Block]	Revenue from Contracts with Customers 606, “Revenue from Contracts with Customers” 606” 606, not Our primary sources of revenue are derived from interest and dividends earned on loans, securities and other financial instruments that are not 606. not 606
Effect of Covid-19 Pandemic, Policy [Policy Text Block]	Recent Events: first second 2020 2019 19” 2 19 may no The outbreak was initially identified in Wuhan, China in December 2019. January 30, 2020, March 11, 2020. first January 20, 2020. January 29, 2020. January 31, 2020, March 13, 2020 ( The Coronavirus Pandemic has caused severe global socioeconomic disruptions. It has led to the postponement or cancellation of sporting, religious, political and cultural events, as well as widespread supply shortages exacerbated by panic buying. Service industry businesses, such as restaurants, hotels, airlines, cruise lines and movie theaters, have been particularly negatively impacted by the restrictions and stay-at-home orders issued by authorities around a vast majority of the world. The health care industry has also been significantly impacted, from a combination of treating infected patients to the cancellation of medical appointments and elective surgeries. At the current time, it is highly uncertain as to when conditions will begin to return to normal. Most agree that a return to normal conditions will be accomplished in phases, taking into account factors such as regional rates and trends of infections, types of businesses and required social distancing measures. Human behavior will also likely play a significant role as people make individual choices to re-engage in permissible activities. The first March 10, 2020, 12 April, 2019 2020 March, two 50 March April. March 24, 2020, April 13, 2020; April 30, 2020. April 24, 2020, May 15, 2020 April 30, 2020. May 7, 2020, May 28, 2020 May 15, 2020. June 5, 2020; 19 second third Responding to the Coronavirus Pandemic and Governor Whitmer’s stay-at-home orders, by March 23, 2020, March 18, 2020 March 25, 2020, June. June 26, 2020, July 1, 2020. In response to the substantial negative impact of the Coronavirus Pandemic and the associated social distancing orders and measures on the United States and global economies, Congress passed the Coronavirus Aid, Relief and Economic Security Act (“CARES Act”), which was signed by President Trump on March 27, 2020. $1.8 two 50 March 3, 2020 100 March 15, 2020, The Coronavirus Pandemic is a highly unusual, unprecedented and evolving public health and economic crisis and may The Paycheck Protection Program (“PPP”) reflects a substantial expansion of the Small Business Administration’s 100% 7 $350 500 100% 250% $10.0 100% 24 June 5, 2020 60 June 5, 2020. June 5, 2020 60 not June 5, 2020. 1.00%, 1% 5% second 2020 June 30, 2020, August 8, 2020. second 2020, 2020. July 31, 2020, Congress passed, and on April 24, 2020 $300 $30 $10 Under the CARES Act, a PPP loan is assigned a risk weight of 0% April 9, 2020, 1 In April, 2020, one six 0.35%. No September 30, 2020. April 2020 June 2020. June 30, 2020, may
New Accounting Pronouncements, Policy [Policy Text Block]	Adoption of New Accounting Standards: February 2016, 2016 02, Leases 2018 01, 2018 10, 2018 11 2018 20 12 December 15, 2018. January 1, 2019 In June 2016, No. 2016 13, Measurement of Credit Losses on Financial Instruments 2018 19 not not December 15, 2019. Financial institutions are not December 31, 2020. no January 1, 2020,

Note 2 - Securities (Tables)

Note 2 - Securities (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Available-for-sale Securities [Table Text Block]	Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value June 30, 2020 U.S. Government agency debt obligations $ 161,575,000 $ 957,000 $ (35,000 ) $ 162,497,000 Mortgage-backed securities 34,765,000 1,269,000 (1,000 ) 36,033,000 Municipal general obligation bonds 97,171,000 5,296,000 0 102,467,000 Municipal revenue bonds 5,947,000 217,000 0 6,164,000 Other investments 500,000 0 0 500,000 $ 299,958,000 $ 7,739,000 $ (36,000 ) $ 307,661,000 December 31, 2019 U.S. Government agency debt obligations $ 185,103,000 $ 2,449,000 $ (1,142,000 ) $ 186,410,000 Mortgage-backed securities 41,998,000 554,000 (82,000 ) 42,470,000 Municipal general obligation bonds 98,245,000 2,864,000 (30,000 ) 101,079,000 Municipal revenue bonds 4,133,000 63,000 0 4,196,000 Other investments 500,000 0 0 500,000 $ 329,979,000 $ 5,930,000 $ (1,254,000 ) $ 334,655,000
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Table Text Block]	Less than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss June 30, 2020 U.S. Government agency debt obligations $ 16,370,000 $ 35,000 $ 0 $ 0 $ 16,370,000 $ 35,000 Mortgage-backed securities 0 0 26,000 1,000 26,000 1,000 Municipal general obligation bonds 0 0 0 0 0 0 Municipal revenue bonds 0 0 0 0 0 0 $ 16,370,000 $ 35,000 $ 26,000 $ 1,000 $ 16,396,000 $ 36,000 Less than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss December 31, 2019 U.S. Government agency debt obligations $ 25,650,000 $ 349,000 $ 73,913,000 $ 793,000 $ 99,563,000 $ 1,142,000 Mortgage-backed securities 2,838,000 28,000 10,423,000 54,000 13,261,000 82,000 Municipal general obligation bonds 3,755,000 18,000 994,000 12,000 4,749,000 30,000 Municipal revenue bonds 0 0 0 0 0 0 $ 32,243,000 $ 395,000 $ 85,330,000 $ 859,000 $ 117,573,000 $ 1,254,000
Investments Classified by Contractual Maturity Date [Table Text Block]	Weighted Average Yield Amortized Cost Fair Value Due in 2020 4.11% $ 410,000 $ 412,000 Due in 2021 through 2025 1.97 60,097,000 61,369,000 Due in 2026 through 2030 2.13 133,632,000 137,347,000 Due in 2031 and beyond 2.64 70,554,000 72,000,000 Mortgage-backed securities 2.57 34,765,000 36,033,000 Other investments 4.50 500,000 500,000 Total available for sale securities 2.27% $ 299,958,000 $ 307,661,000

Note 3 - Loans and Allowance _2

Note 3 - Loans and Allowance for Loan Losses (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	Percent June 30, 2020 December 31, 2019 Increase Balance % Balance % (Decrease) Commercial: Commercial and industrial (1) $ 1,307,455,000 39.2 % $ 846,551,000 29.6 % 54.4 % Vacant land, land development, and residential construction 52,984,000 1.6 56,119,000 2.0 (5.6 ) Real estate – owner occupied 567,621,000 17.0 579,003,000 20.3 (2.0 ) Real estate – non-owner occupied 841,145,000 25.2 835,346,000 29.2 0.7 Real estate – multi-family and residential rental 132,047,000 4.0 124,525,000 4.4 6.0 Total commercial 2,901,252,000 87.0 2,441,544,000 85.5 18.8 Retail: Home equity and other 64,743,000 2.0 75,374,000 2.6 (14.1 ) 1-4 family mortgages 367,061,000 11.0 339,749,000 11.9 8.0 Total retail 431,804,000 13.0 415,123,000 14.5 4.0 Total loans $ 3,333,056,000 100.0 % $ 2,856,667,000 100.0 % 16.7 %
Financing Receivable, Nonaccrual [Table Text Block]	June 30, 2020 December 31, 2019 Loans past due 90 days or more still accruing interest $ 0 $ 0 Nonaccrual loans 3,212,000 2,284,000 Total nonperforming loans $ 3,212,000 $ 2,284,000 June 30, 2020 December 31, 2019 Commercial: Commercial and industrial $ 98,000 $ 0 Vacant land, land development, and residential construction 198,000 0 Real estate – owner occupied 275,000 134,000 Real estate – non-owner occupied 25,000 0 Real estate – multi-family and residential rental 0 2,000 Total commercial 596,000 136,000 Retail: Home equity and other 250,000 255,000 1-4 family mortgages 2,366,000 1,893,000 Total retail 2,616,000 2,148,000 Total nonperforming loans $ 3,212,000 $ 2,284,000
Financing Receivable, Past Due [Table Text Block]	30 – 59 Days Past Due 60 – 89 Days Past Due Greater Than 89 Days Past Due Total Past Due Current Total Loans Recorded Balance > 89 Days and Accruing Commercial: Commercial and industrial $ 0 $ 0 $ 38,000 $ 38,000 $ 1,307,417,000 $ 1,307,455,000 $ 0 Vacant land, land development, and residential construction 0 22,000 198,000 220,000 52,764,000 52,984,000 0 Real estate – owner occupied 0 0 181,000 181,000 567,440,000 567,621,000 0 Real estate – non-owner occupied 0 25,000 0 25,000 841,120,000 841,145,000 0 Real estate – multi-family and residential rental 0 0 0 0 132,047,000 132,047,000 0 Total commercial 0 47,000 417,000 464,000 2,900,788,000 2,901,252,000 0 Retail: Home equity and other 49,000 39,000 90,000 178,000 64,565,000 64,743,000 0 1-4 family mortgages 238,000 96,000 429,000 763,000 366,298,000 367,061,000 0 Total retail 287,000 135,000 519,000 941,000 430,863,000 431,804,000 0 Total past due loans $ 287,000 $ 182,000 $ 936,000 $ 1,405,000 $ 3,331,651,000 $ 3,333,056,000 $ 0 30 – 59 Days Past Due 60 – 89 Days Past Due Greater Than 89 Days Past Due Total Past Due Current Total Loans Recorded Balance > 89 Days and Accruing Commercial: Commercial and industrial $ 0 $ 0 $ 0 $ 0 $ 846,551,000 $ 846,551,000 $ 0 Vacant land, land development, and residential construction 191,000 0 0 191,000 55,928,000 56,119,000 0 Real estate – owner occupied 0 0 134,000 134,000 578,869,000 579,003,000 0 Real estate – non-owner occupied 0 0 0 0 835,346,000 835,346,000 0 Real estate – multi-family and residential rental 0 0 0 0 124,525,000 124,525,000 0 Total commercial 191,000 0 134,000 325,000 2,441,219,000 2,441,544,000 0 Retail: Home equity and other 171,000 65,000 20,000 256,000 75,118,000 75,374,000 0 1-4 family mortgages 745,000 29,000 529,000 1,303,000 338,446,000 339,749,000 0 Total retail 916,000 94,000 549,000 1,559,000 413,564,000 415,123,000 0 Total past due loans $ 1,107,000 $ 94,000 $ 683,000 $ 1,884,000 $ 2,854,783,000 $ 2,856,667,000 $ 0
Impaired Financing Receivables [Table Text Block]	Unpaid Contractual Principal Balance Recorded Principal Balance Related Allowance Second Quarter Average Recorded Principal Balance Year-To-Date Average Recorded Principal Balance With no related allowance recorded Commercial: Commercial and industrial $ 8,784,000 $ 8,753,000 $ 9,460,000 $ 9,016,000 Vacant land, land development and residential construction 538,000 453,000 326,000 246,000 Real estate – owner occupied 4,434,000 4,375,000 4,316,000 3,100,000 Real estate – non-owner occupied 25,000 25,000 12,000 67,000 Real estate – multi-family and residential rental 21,000 0 2,000 4,000 Total commercial 13,802,000 13,606,000 14,116,000 12,433,000 Retail: Home equity and other 1,359,000 1,274,000 1,273,000 1,252,000 1-4 family mortgages 4,561,000 2,571,000 2,627,000 2,407,000 Total retail 5,920,000 3,845,000 3,900,000 3,659,000 Total with no related allowance recorded $ 19,722,000 $ 17,451,000 $ 18,016,000 $ 16,092,000 Unpaid Contractual Principal Balance Recorded Principal Balance Related Allowance Second Quarter Average Recorded Principal Balance Year-To-Date Average Recorded Principal Balance With an allowance recorded Commercial: Commercial and industrial $ 1,331,000 $ 1,330,000 $ 1,006,000 $ 1,751,000 $ 1,320,000 Vacant land, land development and residential construction 0 0 0 192,000 128,000 Real estate – owner occupied 49,000 49,000 2,000 126,000 443,000 Real estate – non-owner occupied 170,000 170,000 3,000 85,000 57,000 Real estate – multi-family and residential rental 1,000 1,000 0 0 0 Total commercial 1,551,000 1,550,000 1,011,000 2,154,000 1,948,000 Retail: Home equity and other 596,000 577,000 339,000 486,000 486,000 1-4 family mortgages 662,000 662,000 162,000 638,000 544,000 Total retail 1,258,000 1,239,000 501,000 1,124,000 1,030,000 Total with an allowance recorded $ 2,809,000 $ 2,789,000 $ 1,512,000 $ 3,278,000 $ 2,978,000 Total impaired loans: Commercial $ 15,353,000 $ 15,156,000 $ 1,011,000 $ 16,270,000 $ 14,381,000 Retail 7,178,000 5,084,000 501,000 5,024,000 4,689,000 Total impaired loans $ 22,531,000 $ 20,240,000 $ 1,512,000 $ 21,294,000 $ 19,070,000 Unpaid Contractual Principal Balance Recorded Principal Balance Related Allowance Second Quarter Average Recorded Principal Balance Year-To-Date Average Recorded Principal Balance With no related allowance recorded Commercial: Commercial and industrial $ 8,129,000 $ 8,129,000 $ 10,214,000 $ 9,810,000 Vacant land, land development and residential construction 85,000 85,000 90,000 91,000 Real estate – owner occupied 715,000 667,000 2,083,000 1,996,000 Real estate – non-owner occupied 178,000 178,000 175,000 117,000 Real estate – multi-family and residential rental 29,000 9,000 89,000 68,000 Total commercial 9,136,000 9,068,000 12,651,000 12,082,000 Retail: Home equity and other 1,279,000 1,209,000 1,360,000 1,222,000 1-4 family mortgages 3,272,000 1,968,000 2,201,000 2,214,000 Total retail 4,551,000 3,177,000 3,561,000 3,436,000 Total with no related allowance recorded $ 13,687,000 $ 12,245,000 $ 16,212,000 $ 15,518,000 Unpaid Contractual Principal Balance Recorded Principal Balance Related Allowance Second Quarter Average Recorded Principal Balance Year-To-Date Average Recorded Principal Balance With an allowance recorded Commercial: Commercial and industrial $ 460,000 $ 458,000 $ 202,000 $ 9,687,000 $ 8,184,000 Vacant land, land development and residential construction 0 0 0 0 0 Real estate – owner occupied 1,078,000 1,078,000 982,000 1,384,000 1,858,000 Real estate – non-owner occupied 0 0 0 47,000 101,000 Real estate – multi-family and residential rental 0 0 0 65,000 90,000 Total commercial 1,538,000 1,536,000 1,184,000 11,183,000 10,233,000 Retail: Home equity and other 502,000 485,000 356,000 572,000 672,000 1-4 family mortgages 358,000 356,000 83,000 639,000 663,000 Total retail 860,000 841,000 439,000 1,211,000 1,335,000 Total with an allowance recorded $ 2,398,000 $ 2,377,000 $ 1,623,000 $ 12,394,000 $ 11,568,000 Total impaired loans: Commercial $ 10,674,000 $ 10,604,000 $ 1,184,000 $ 23,834,000 $ 22,315,000 Retail 5,411,000 4,018,000 439,000 4,772,000 4,771,000 Total impaired loans $ 16,085,000 $ 14,622,000 $ 1,623,000 $ 28,606,000 $ 27,086,000
Financing Receivable Credit Quality Indicators [Table Text Block]	Commercial and Industrial Commercial Vacant Land, Land Development, and Residential Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family and Residential Rental Internal credit risk grade groupings: Grades 1 – 4 (1) $ 1,008,010,000 $ 21,500,000 $ 309,221,000 $ 545,764,000 $ 73,394,000 Grades 5 – 7 289,342,000 30,914,000 253,695,000 294,423,000 58,461,000 Grades 8 – 9 10,103,000 570,000 4,705,000 958,000 192,000 Total commercial $ 1,307,455,000 $ 52,984,000 $ 567,621,000 $ 841,145,000 $ 132,047,000 Commercial and Industrial Commercial Vacant Land, Land Development, and Residential Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family and Residential Rental Internal credit risk grade groupings: Grades 1 – 4 $ 521,920,000 $ 26,065,000 $ 351,671,000 $ 563,087,000 $ 85,152,000 Grades 5 – 7 309,824,000 29,716,000 220,980,000 272,124,000 39,203,000 Grades 8 – 9 14,807,000 338,000 6,352,000 135,000 170,000 Total commercial $ 846,551,000 $ 56,119,000 $ 579,003,000 $ 835,346,000 $ 124,525,000
Financing Receivable, Allowance for Credit Loss [Table Text Block]	Commercial Loans Retail Loans Unallocated Total Allowance for loan losses: Balance at March 31, 2020 $ 21,750,000 $ 3,078,000 $ 0 $ 24,828,000 Provision for loan losses 6,466,000 1,074,000 60,000 7,600,000 Charge-offs (301,000 ) (34,000 ) 0 (335,000 ) Recoveries 47,000 106,000 0 153,000 Ending balance $ 27,962,000 $ 4,224,000 $ 60,000 $ 32,246,000 Allowance for loan losses: Balance at December 31, 2019 $ 21,070,000 $ 2,749,000 $ 70,000 $ 23,889,000 Provision for loan losses 7,039,000 1,321,000 (10,000 ) 8,350,000 Charge-offs (314,000 ) (61,000 ) 0 (375,000 ) Recoveries 167,000 215,000 0 382,000 Ending balance $ 27,962,000 $ 4,224,000 $ 60,000 $ 32,246,000 Ending balance: individually evaluated for impairment $ 1,011,000 $ 501,000 $ 0 $ 1,512,000 Ending balance: collectively evaluated for impairment $ 26,951,000 $ 3,723,000 $ 60,000 $ 30,734,000 Total loans: Ending balance $ 2,901,252,000 $ 431,804,000 $ 3,333,056,000 Ending balance: individually evaluated for impairment $ 15,156,000 $ 5,084,000 $ 20,240,000 Ending balance: collectively evaluated for impairment $ 2,886,096,000 $ 426,720,000 $ 3,312,816,000 Commercial Loans Retail Loans Unallocated Total Allowance for loan losses: Balance at March 31, 2019 $ 20,211,000 $ 2,696,000 $ 228,000 $ 23,135,000 Provision for loan losses 1,015,000 16,000 (131,000 ) 900,000 Charge-offs (2,000 ) (75,000 ) 0 (77,000 ) Recoveries 47,000 48,000 0 95,000 Ending balance $ 21,271,000 $ 2,685,000 $ 97,000 $ 24,053,000 Allowance for loan losses: Balance at December 31, 2018 $ 19,619,000 $ 2,717,000 $ 44,000 $ 22,380,000 Provision for loan losses 1,579,000 118,000 53,000 1,750,000 Charge-offs (2,000 ) (250,000 ) 0 (252,000 ) Recoveries 75,000 100,000 0 175,000 Ending balance $ 21,271,000 $ 2,685,000 $ 97,000 $ 24,053,000 Ending balance: individually evaluated for impairment $ 2,149,000 $ 387,000 $ 0 $ 2,536,000 Ending balance: collectively evaluated for impairment $ 19,122,000 $ 2,298,000 $ 97,000 $ 21,517,000 Total loans: Ending balance $ 2,441,544,000 $ 415,123,000 $ 2,856,667,000 Ending balance: individually evaluated for impairment $ 10,986,000 $ 4,070,000 $ 15,056,000 Ending balance: collectively evaluated for impairment $ 2,430,558,000 $ 411,053,000 $ 2,841,611,000
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Commercial: Commercial and industrial 2 $ 6,000 $ 6,000 Vacant land, land development and residential construction 0 0 0 Real estate – owner occupied 0 0 0 Real estate – non-owner occupied 0 0 0 Real estate – multi-family and residential rental 0 0 0 Total commercial 2 6,000 6,000 Retail: Home equity and other 7 438,000 439,000 1-4 family mortgages 1 20,000 20,000 Total retail 8 458,000 459,000 Total loans 10 $ 464,000 $ 465,000 Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Commercial: Commercial and industrial 8 $ 6,545,000 $ 6,542,000 Vacant land, land development and residential construction 0 0 0 Real estate – owner occupied 8 4,261,000 3,659,000 Real estate – non-owner occupied 0 0 0 Real estate – multi-family and residential rental 0 0 0 Total commercial 16 10,806,000 10,201,000 Retail: Home equity and other 10 503,000 505,000 1-4 family mortgages 1 20,000 20,000 Total retail 11 523,000 525,000 Total loans 27 $ 11,329,000 $ 10,726,000 Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Commercial: Commercial and industrial 3 $ 14,040,000 $ 14,337,000 Vacant land, land development and residential construction 0 0 0 Real estate – owner occupied 1 1,567,000 1,567,000 Real estate – non-owner occupied 0 0 0 Real estate – multi-family and residential rental 0 0 0 Total commercial 4 15,607,000 15,904,000 Retail: Home equity and other 4 93,000 94,000 1-4 family mortgages 3 122,000 122,000 Total retail 7 215,000 216,000 Total loans 11 $ 15,822,000 $ 16,120,000 Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Commercial: Commercial and industrial 6 $ 14,429,000 $ 14,726,000 Vacant land, land development and residential construction 0 0 0 Real estate – owner occupied 2 2,257,000 2,246,000 Real estate – non-owner occupied 0 0 0 Real estate – multi-family and residential rental 0 0 0 Total commercial 8 16,686,000 16,972,000 Retail: Home equity and other 8 163,000 164,000 1-4 family mortgages 4 154,000 154,000 Total retail 12 317,000 318,000 Total loans 20 $ 17,003,000 $ 17,290,000
Troubled Debt Restructurings on Financing Receivables with in Previous Twelve Months that Became Over Thirty Days Past Due [Table Text Block]	Number of Contracts Recorded Principal Balance Commercial: Commercial and industrial 0 $ 0 Vacant land, land development and residential construction 0 0 Real estate – owner occupied 0 0 Real estate – non-owner occupied 0 0 Real estate – multi-family and residential rental 0 0 Total commercial 0 0 Retail: Home equity and other 0 0 1-4 family mortgages 0 0 Total retail 0 0 Total 0 $ 0 Number of Contracts Recorded Principal Balance Commercial: Commercial and industrial 0 $ 0 Vacant land, land development and residential construction 0 0 Real estate – owner occupied 0 0 Real estate – non-owner occupied 0 0 Real estate – multi-family and residential rental 0 0 Total commercial 0 0 Retail: Home equity and other 0 0 1-4 family mortgages 1 32,000 Total retail 1 32,000 Total 1 $ 32,000 Number of Contracts Recorded Principal Balance Commercial: Commercial and industrial 0 $ 0 Vacant land, land development and residential construction 0 0 Real estate – owner occupied 0 0 Real estate – non-owner occupied 0 0 Real estate – multi-family and residential rental 0 0 Total commercial 0 0 Retail: Home equity and other 0 0 1-4 family mortgages 0 0 Total retail 0 0 Total 0 $ 0 Number of Contracts Recorded Principal Balance Commercial: Commercial and industrial 0 $ 0 Vacant land, land development and residential construction 0 0 Real estate – owner occupied 0 0 Real estate – non-owner occupied 0 0 Real estate – multi-family and residential rental 0 0 Total commercial 0 0 Retail: Home equity and other 0 0 1-4 family mortgages 0 0 Total retail 0 0 Total 0 $ 0
Trouble Debt Restructuring Activity [Table Text Block]	Commercial and Industrial Commercial Vacant Land, Land Development, and Residential Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family and Residential Rental Commercial Loan Portfolio: Beginning Balance $ 12,204,000 $ 82,000 $ 3,811,000 $ 174,000 $ 3,000 Charge-Offs 0 0 0 0 0 Payments (2,143,000 ) (2,000 ) (20,000 ) (4,000 ) (2,000 ) Transfers to ORE 0 0 0 0 0 Net Additions/Deletions 6,000 0 0 0 0 Ending Balance $ 10,067,000 $ 80,000 $ 3,791,000 $ 170,000 $ 1,000 Retail Home Equity and Other Retail 1-4 Family Mortgages Retail Loan Portfolio: Beginning Balance $ 1,452,000 $ 715,000 Charge-Offs 0 0 Payments (175,000 ) (20,000 ) Transfers to ORE 0 0 Net Additions/Deletions 438,000 20,000 Ending Balance $ 1,715,000 $ 715,000 Commercial and Industrial Commercial Vacant Land, Land Development, and Residential Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family and Residential Rental Commercial Loan Portfolio: Beginning Balance $ 8,587,000 $ 85,000 $ 1,145,000 $ 178,000 $ 7,000 Charge-Offs 0 0 0 0 0 Payments (4,975,000 ) (5,000 ) (1,008,000 ) (8,000 ) (6,000 ) Transfers to ORE 0 0 0 0 0 Net Additions/Deletions 6,455,000 0 3,654,000 0 0 Ending Balance $ 10,067,000 $ 80,000 $ 3,791,000 $ 170,000 $ 1,000 Retail Home Equity and Other Retail 1-4 Family Mortgages Retail Loan Portfolio: Beginning Balance $ 1,415,000 $ 724,000 Charge-Offs 0 0 Payments (203,000 ) (29,000 ) Transfers to ORE 0 0 Net Additions/Deletions 503,000 20,000 Ending Balance $ 1,715,000 $ 715,000 Commercial and Industrial Commercial Vacant Land, Land Development, and Residential Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family and Residential Rental Commercial Loan Portfolio: Beginning Balance $ 15,610,000 $ 0 $ 3,695,000 $ 189,000 $ 21,000 Charge-Offs 0 0 0 0 0 Payments (3,148,000 ) 0 (2,377,000 ) (4,000 ) (4,000 ) Transfers to ORE 0 0 0 0 0 Net Additions/Deletions 11,672,000 0 1,180,000 0 0 Ending Balance $ 24,134,000 $ 0 $ 2,498,000 $ 185,000 $ 17,000 Retail Home Equity and Other Retail 1-4 Family Mortgages Retail Loan Portfolio: Beginning Balance $ 1,444,000 $ 600,000 Charge-Offs (18,000 ) 0 Payments (62,000 ) (14,000 ) Transfers to ORE 0 0 Net Additions/Deletions 102,000 120,000 Ending Balance $ 1,466,000 $ 706,000 Commercial and Industrial Commercial Vacant Land, Land Development, and Residential Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family and Residential Rental Commercial Loan Portfolio: Beginning Balance $ 14,138,000 $ 0 $ 3,100,000 $ 210,000 $ 24,000 Charge-Offs 0 0 0 0 0 Payments (4,814,000 ) 0 (2,425,000 ) (25,000 ) (7,000 ) Transfers to ORE 0 0 (97,000 ) 0 0 Net Additions/Deletions 14,810,000 0 1,920,000 0 0 Ending Balance $ 24,134,000 $ 0 $ 2,498,000 $ 185,000 $ 17,000 Retail Home Equity and Other Retail 1-4 Family Mortgages Retail Loan Portfolio: Beginning Balance $ 1,402,000 $ 578,000 Charge-Offs (18,000 ) 0 Payments (90,000 ) (24,000 ) Transfers to ORE 0 0 Net Additions/Deletions 172,000 152,000 Ending Balance $ 1,466,000 $ 706,000
Allowance Related to Loans Categorized as Troubled Debt Restructurings [Table Text Block]	June 30, 2020 December 31, 2019 Commercial: Commercial and industrial $ 946,000 $ 202,000 Vacant land, land development, and residential construction 0 0 Real estate – owner occupied 2,000 982,000 Real estate – non-owner occupied 3,000 0 Real estate – multi-family and residential rental 0 0 Total commercial 951,000 1,184,000 Retail: Home equity and other 288,000 311,000 1-4 family mortgages 154,000 83,000 Total retail 442,000 394,000 Total related allowance $ 1,393,000 $ 1,578,000
Retail Portfolio Segment [Member]
Notes Tables
Financing Receivable Credit Quality Indicators [Table Text Block]	Retail Home Equity and Other Retail 1-4 Family Mortgages Performing 64,493,000 364,695,000 Nonperforming 250,000 2,366,000 Total retail $ 64,743,000 $ 367,061,000 Retail Home Equity and Other Retail 1-4 Family Mortgages Performing 75,119,000 337,856,000 Nonperforming 255,000 1,893,000 Total retail $ 75,374,000 $ 339,749,000

Note 4 - Premises and Equipme_2

Note 4 - Premises and Equipment, Net (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Property, Plant and Equipment [Table Text Block]	June 30, 2020 December 31, 2019 Land and improvements $ 17,218,000 $ 17,039,000 Buildings 55,580,000 52,847,000 Furniture and equipment 21,790,000 22,712,000 94,588,000 92,598,000 Less: accumulated depreciation 35,433,000 35,271,000 Premises and equipment, net $ 59,155,000 $ 57,327,000

Note 5 - Deposits (Tables)

Note 5 - Deposits (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Summary of Deposits and Percentage Change in Deposits [Table Text Block]	June 30, 2020 December 31, 2019 Percent Increase Balance % Balance % (Decrease) Noninterest-bearing demand $ 1,445,620,000 44.3 % $ 924,916,000 34.4 % 56.3 % Interest-bearing checking 382,522,000 11.7 332,373,000 12.3 15.1 Money market 541,929,000 16.6 509,368,000 18.9 6.4 Savings 301,881,000 9.2 269,318,000 10.0 12.1 Time, under $100,000 178,838,000 5.5 198,123,000 7.4 (9.7 ) Time, $100,000 and over 334,781,000 10.3 322,827,000 12.0 3.7 Total local deposits 3,185,571,000 97.6 2,556,925,000 95.0 24.6 Out-of-area time, under $100,000 0 NA 0 NA NA Out-of-area time, $100,000 and over 76,709,000 2.4 133,459,000 5.0 (42.5 ) Total out-of-area deposits 76,709,000 2.4 133,459,000 5.0 (42.5 ) Total deposits $ 3,262,280,000 100.0 % $ 2,690,384,000 100.0 % 21.3 %

Note 6 - Securities Sold Unde_2

Note 6 - Securities Sold Under Agreements to Repurchase (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Schedule of Repurchase Agreements [Table Text Block]	Six Months Ended June 30, 2020 Twelve Months Ended December 31, 2019 Outstanding balance at end of period $ 167,527,000 $ 102,675,000 Average interest rate at end of period 0.10 % 0.17 % Average daily balance during the period $ 123,486,000 $ 105,234,000 Average interest rate during the period 0.13 % 0.24 % Maximum daily balance during the period $ 167,527,000 $ 133,411,000

Note 7 - Federal Home Loan Ba_2

Note 7 - Federal Home Loan Bank of Indianapolis Advances (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Maturities of Currently Outstanding FHLB Advances [Table Text Block]	2020 $ 0 2021 20,000,000 2022 94,000,000 2023 80,000,000 2024 80,000,000 Thereafter 120,000,000

Note 8 - Commitments and Off-_2

Note 8 - Commitments and Off-balance Sheet Risk (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Summary of Contractual Amounts of Financial Instruments With Off Balance Sheet Risk [Table Text Block]	June 30, 2020 December 31, 2019 Commercial unused lines of credit $ 862,725,000 $ 776,493,000 Unused lines of credit secured by 1 – 4 family residential properties 60,196,000 60,858,000 Credit card unused lines of credit 63,951,000 58,199,000 Other consumer unused lines of credit 23,080,000 18,135,000 Commitments to make loans 175,951,000 101,961,000 Standby letters of credit 21,427,000 22,798,000 $ 1,207,330,000 $ 1,038,444,000

Note 9 - Fair Values of Finan_2

Note 9 - Fair Values of Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Fair Value, by Balance Sheet Grouping [Table Text Block]	Level in June 30, 2020 December 31, 2019 Fair Value Hierarchy Carrying Values Fair Values Carrying Values Fair Values Financial assets: Cash Level 1 $ 18,930 $ 18,930 $ 16,430 $ 16,430 Cash equivalents Level 2 452,297 452,297 217,301 217,301 Securities available for sale (1) 307,661 307,661 334,655 334,655 FHLBI stock (2) 18,002 18,002 18,002 18,002 Loans, net Level 3 3,259,673 3,346,702 2,827,800 2,887,168 Loans held for sale Level 2 41,137 42,806 4,978 4,978 Mortgage servicing rights Level 2 5,636 8,418 4,652 7,375 Accrued interest receivable Level 2 9,290 9,290 9,944 9,944 Financial liabilities: Deposits Level 2 3,262,280 3,237,888 2,690,384 2,600,452 Repurchase agreements Level 2 167,527 167,527 102,675 102,675 FHLBI advances Level 2 394,000 413,915 354,000 361,887 Subordinated debentures Level 2 47,222 46,172 46,881 46,140 Accrued interest payable Level 2 3,011 3,011 3,949 3,949

Note 10 - Fair Values (Tables)

Note 10 - Fair Values (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Available for sale securities U.S. Government agency debt obligations $ 162,497,000 $ 0 $ 162,497,000 $ 0 Mortgage-backed securities 36,033,000 0 36,033,000 0 Municipal general obligation bonds 102,467,000 0 101,661,000 806,000 Municipal revenue bonds 6,164,000 0 6,164,000 0 Other investments 500,000 0 500,000 0 Total $ 307,661,000 $ 0 $ 306,855,000 $ 806,000 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Available for sale securities U.S. Government agency debt obligations $ 186,410,000 $ 0 $ 186,410,000 $ 0 Mortgage-backed securities 42,470,000 0 42,470,000 0 Municipal general obligation bonds 101,079,000 0 99,029,000 2,050,000 Municipal revenue bonds 4,196,000 0 4,196,000 0 Other investments 500,000 0 500,000 0 Total $ 334,655,000 $ 0 $ 332,605,000 $ 2,050,000
Fair Value, Assets and Liabilities Measured on Nonrecurring Basis, Valuation Techniques [Table Text Block]	Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans $ 3,082,000 $ 0 $ 0 $ 3,082,000 Foreclosed assets 198,000 0 0 198,000 Total $ 3,280,000 $ 0 $ 0 $ 3,280,000 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Unobservable Inputs (Level 3) Impaired loans $ 1,107,000 $ 0 $ 0 $ 1,107,000 Foreclosed assets 452,000 0 0 452,000 Total $ 1,559,000 $ 0 $ 0 $ 1,559,000

Note 11 - Regulatory Matters (T

Note 11 - Regulatory Matters (Tables)	6 Months Ended
	Jun. 30, 2020
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Actual Minimum Required for Capital Adequacy Purposes Minimum Required to be Well Capitalized Under Prompt Corrective Action Regulations Amount Ratio Amount Ratio Amount Ratio June 30, 2020 Total capital (to risk weighted assets) Consolidated $ 444,772 13.7 % $ 259,076 8.0 % $ NA NA Bank 436,832 13.5 259,017 8.0 323,771 10.0 % Tier 1 capital (to risk weighted assets) Consolidated 412,526 12.7 194,307 6.0 NA NA Bank 404,587 12.5 194,263 6.0 259,017 8.0 Common equity tier 1 (to risk weighted assets) Consolidated 367,379 11.3 145,730 4.5 NA NA Bank 404,587 12.5 145,697 4.5 210,452 6.5 Tier 1 capital (to average assets) Consolidated 412,526 10.2 161,668 4.0 NA NA Bank 404,587 10.0 161,639 4.0 202,048 5.0 December 31, 2019 Total capital (to risk weighted assets) Consolidated $ 429,038 13.1 % $ 262,141 8.0 % $ NA NA Bank 424,917 13.0 262,088 8.0 327,610 10.0 % Tier 1 capital (to risk weighted assets) Consolidated 405,148 12.4 196,606 6.0 NA NA Bank 401,027 12.2 196,566 6.0 262,088 8.0 Common equity tier 1 (to risk weighted assets) Consolidated 360,342 11.0 147,454 4.5 NA NA Bank 401,027 12.2 147,425 4.5 212,947 6.5 Tier 1 capital (to average assets) Consolidated 405,148 11.3 143,689 4.0 NA NA Bank 401,027 11.2 143,670 4.0 179,588 5.0

Note 1 - Significant Accounti_2

Note 1 - Significant Accounting Policies (Details Textual)	3 Months Ended			4 Months Ended	6 Months Ended
	Jun. 30, 2020USD ($)shares	Mar. 31, 2020USD ($)	Jun. 30, 2019shares	Jul. 31, 2020USD ($)	Jun. 30, 2020USD ($)shares	Jun. 30, 2019shares	Apr. 30, 2020USD ($)	Mar. 23, 2020	Jan. 01, 2020USD ($)	Dec. 31, 2019USD ($)	Jan. 01, 2019USD ($)
Number of Unconsolidated Business Trusts Formed to Issue Trust Preferred Securities	5				5
Interest Income on Commercial and Mortgage Loans Discontinued Period (Day)					90 days
Maximum Delinquency Period for Consumer and Credit Card Loans to be Charged Off (Day)					120 days
Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance, Ending Balance	$ 42,800,000				$ 42,800,000					$ 5,000,000
Servicing Asset, Total	846,000,000				846,000,000					727,000,000
Goodwill, Impairment Loss		$ 0			0
Percentage of Employees Working from Home to Total Employees								75.00%
Financing Receivable, Advances under Paycheck Protection Program Liquidity Facility	0				0		$ 43,700,000
Loans and Leases Receivable, Allowance, Ending Balance	32,246,000				32,246,000					23,889,000
Retained Earnings (Accumulated Deficit), Ending Balance	118,239,000				118,239,000					$ 107,831,000
Accounting Standards Update 2016-02 [Member]
Operating Lease, Right-of-Use Asset											$ 1,300,000
Operating Lease, Liability, Total											$ 1,300,000
Accounting Standards Update 2016-13 [Member] | Scenario, Plan [Member]
Loans and Leases Receivable, Allowance, Ending Balance									$ (1,000,000)
Retained Earnings (Accumulated Deficit), Ending Balance									$ 800,000
SBA, CARES Act, Paycheck Protection Program [Member]
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums, Total	$ 14,700,000				$ 14,700,000
Core Deposits [Member]
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life (Year)					10 years
Subsequent Event [Member] | SBA, CARES Act, Paycheck Protection Program [Member]
Number of Loans Originated Under the Paycheck Protection Program				2,200
Financing Receivable, before Allowance for Credit Loss, Total				$ 550,000,000
Commercial Portfolio Segment [Member]
Financing Receivable, Payment Deferrals, Interest-only Amendments, Period (Day)	90 days
Financing Receivable, Payment Deferrals, Principal and Interest, Period (Day)	90 days
Financing Receivable, Payment Deferrals, Interest Rate	0.00%				0.00%
Financing Receivable, Number of Interest Only Payment Deferrals	463				463
Financing Receivable With Interest Only Deferred Payments	$ 421,000,000				$ 421,000,000
Financing Receivable, Number of Principal and Interest Payment Deferrals	242				242
Financing Receivable With Principal and Interest Deferred Payments	$ 298,000,000				$ 298,000,000
Financing Receivable, Originated, Single Payment	$ 8,100,000				$ 8,100,000
Commercial Portfolio Segment [Member] | Subsequent Event [Member]
Financing Receivable, Number of Principal and Interest Payment Deferrals				21
Financing Receivable With Principal and Interest Deferred Payments				$ 117,000,000
Financing Receivable, Number of Interest Payment Deferrals				16
Financing Receivable With Interest Deferred Payments				$ 31,000,000
Financing Receivable With Principal and Interest Deferred Payments, Single Payment Loans				4,200,000
Retail Portfolio Segment [Member]
Financing Receivable, Payment Deferrals, Principal and Interest, Period (Day)	90 days
Financing Receivable, Number of Principal and Interest Payment Deferrals	260				260
Financing Receivable With Principal and Interest Deferred Payments	$ 23,800,000				$ 23,800,000
Retail Portfolio Segment [Member] | Subsequent Event [Member] | Maximum [Member]
Financing Receivable, Additional Principal and Interest Payment Deferments				$ 2,000,000
Restricted Stock [Member]
Incremental Common Shares Attributable to Participating Nonvested Shares with Non-forfeitable Dividend Rights (in shares) | shares	256,000		261,000		256,000	261,000
Share-based Payment Arrangement, Option [Member]
Incremental Common Shares Attributable to Participating Nonvested Shares with Non-forfeitable Dividend Rights (in shares) | shares	2,000		10,000		2,000	10,000
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares) | shares	9,000		7,000		9,000	7,000

Note 2 - Securities (Details Te

Note 2 - Securities (Details Textual)	Jun. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Debt Securities, Available-for-sale, Unrealized Loss Position, Number of Positions	10
Debt Securities, Available-for-sale, Unrealized Loss Position, Total	$ 16,396,000	$ 117,573,000
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss, Total	36,000	1,254,000
Other than Temporary Impairment, Credit Losses Recognized in Earnings, Credit Losses on Debt Securities Held, Ending Balance	0
Debt Securities, Available-for-sale, Amortized Cost, Total	299,958,000	329,979,000
Debt Securities, Available-for-sale, Total	307,661,000	334,655,000
State of Michigan and All Its Political Subdivisions [Member]
Debt Securities, Available-for-sale, Amortized Cost, Total	98,500,000	96,500,000
Debt Securities, Available-for-sale, Total	104,000,000	99,400,000
All Other States and Their Political Subdivisions [Member]
Debt Securities, Available-for-sale, Amortized Cost, Total	4,600,000	5,900,000
Debt Securities, Available-for-sale, Total	4,600,000	5,900,000
US Government Agency Debt Obligations and Mortgage Backed Securities [Member]
Debt Securities, Available-for-sale, Restricted	168,000,000	$ 103,000,000
Maximum [Member]
Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss, Total	$ 100,000

Note 2 - Securities - Available

Note 2 - Securities - Available-for-sale Securities (Details) - USD ($)	Jun. 30, 2020	Dec. 31, 2019
Securities available for sale, amortized cost	$ 299,958,000	$ 329,979,000
Securities available for sale, gross unrealized gains	7,739,000	5,930,000
Securities available for sale, gross unrealized losses	(36,000)	(1,254,000)
Securities available for sale, fair value	307,661,000	334,655,000
US Government Agencies Debt Securities [Member]
Securities available for sale, amortized cost	161,575,000	185,103,000
Securities available for sale, gross unrealized gains	957,000	2,449,000
Securities available for sale, gross unrealized losses	(35,000)	(1,142,000)
Securities available for sale, fair value	162,497,000	186,410,000
Collateralized Mortgage Backed Securities [Member]
Securities available for sale, amortized cost	34,765,000	41,998,000
Securities available for sale, gross unrealized gains	1,269,000	554,000
Securities available for sale, gross unrealized losses	(1,000)	(82,000)
Securities available for sale, fair value	36,033,000	42,470,000
Municipal General Obligation Bonds [Member]
Securities available for sale, amortized cost	97,171,000	98,245,000
Securities available for sale, gross unrealized gains	5,296,000	2,864,000
Securities available for sale, gross unrealized losses	0	(30,000)
Securities available for sale, fair value	102,467,000	101,079,000
Municipal Revenue Bonds [Member]
Securities available for sale, amortized cost	5,947,000	4,133,000
Securities available for sale, gross unrealized gains	217,000	63,000
Securities available for sale, gross unrealized losses	0	0
Securities available for sale, fair value	6,164,000	4,196,000
Other Debt and Equity Securities [Member]
Securities available for sale, amortized cost	500,000	500,000
Securities available for sale, gross unrealized gains	0	0
Securities available for sale, gross unrealized losses	0	0
Securities available for sale, fair value	$ 500,000	$ 500,000

Note 2 - Securities - Securitie

Note 2 - Securities - Securities in a Continuous Loss Position (Details) - USD ($)	Jun. 30, 2020	Dec. 31, 2019
Securities available for sale, continuous unrealized loss position, less than 12 months	$ 16,370,000	$ 32,243,000
Securities available for sale, continuous unrealized loss position, less than 12 months, unrealized loss	35,000	395,000
Securities available for sale, continuous unrealized loss position, 12 months or more	26,000	85,330,000
Securities available for sale, continuous unrealized loss position, 12 months or more, unrealized loss	1,000	859,000
Securities available for sale, continuous unrealized loss position	16,396,000	117,573,000
Securities available for sale, continuous unrealized loss position, unrealized loss	36,000	1,254,000
US Government Agencies Debt Securities [Member]
Securities available for sale, continuous unrealized loss position, less than 12 months	16,370,000	25,650,000
Securities available for sale, continuous unrealized loss position, less than 12 months, unrealized loss	35,000	349,000
Securities available for sale, continuous unrealized loss position, 12 months or more	0	73,913,000
Securities available for sale, continuous unrealized loss position, 12 months or more, unrealized loss	0	793,000
Securities available for sale, continuous unrealized loss position	16,370,000	99,563,000
Securities available for sale, continuous unrealized loss position, unrealized loss	35,000	1,142,000
Collateralized Mortgage Backed Securities [Member]
Securities available for sale, continuous unrealized loss position, less than 12 months	0	2,838,000
Securities available for sale, continuous unrealized loss position, less than 12 months, unrealized loss	0	28,000
Securities available for sale, continuous unrealized loss position, 12 months or more	26,000	10,423,000
Securities available for sale, continuous unrealized loss position, 12 months or more, unrealized loss	1,000	54,000
Securities available for sale, continuous unrealized loss position	26,000	13,261,000
Securities available for sale, continuous unrealized loss position, unrealized loss	1,000	82,000
Municipal General Obligation Bonds [Member]
Securities available for sale, continuous unrealized loss position, less than 12 months	0	3,755,000
Securities available for sale, continuous unrealized loss position, less than 12 months, unrealized loss	0	18,000
Securities available for sale, continuous unrealized loss position, 12 months or more	0	994,000
Securities available for sale, continuous unrealized loss position, 12 months or more, unrealized loss	0	12,000
Securities available for sale, continuous unrealized loss position	0	4,749,000
Securities available for sale, continuous unrealized loss position, unrealized loss	0	30,000
Municipal Revenue Bonds [Member]
Securities available for sale, continuous unrealized loss position, less than 12 months	0	0
Securities available for sale, continuous unrealized loss position, less than 12 months, unrealized loss	0	0
Securities available for sale, continuous unrealized loss position, 12 months or more	0	0
Securities available for sale, continuous unrealized loss position, 12 months or more, unrealized loss	0	0
Securities available for sale, continuous unrealized loss position	0	0
Securities available for sale, continuous unrealized loss position, unrealized loss	$ 0	$ 0

Note 2 - Securities - Debt Secu

Note 2 - Securities - Debt Securities by Maturity (Details) - USD ($)	Jun. 30, 2020	Dec. 31, 2019
Due in 2020, weighted average yield	4.11%
Due in 2020, amortized cost	$ 410,000
Due in 2020, fair value	$ 412,000
Due in 2021 through 2025, weighted average yield	1.97%
Due in 2021 through 2025, amortized cost	$ 60,097,000
Due in 2021 through 2025	$ 61,369,000
Due in 2026 through 2030, weighted average yield	2.13%
Due in 2026 through 2030, amortized cost	$ 133,632,000
Due in 2026 through 2030, fair value	$ 137,347,000
Due in 2031 and beyond, weighted average yield	2.64%
Due in 2031 and beyond, amortized cost	$ 70,554,000
Due in 2031 and beyond, fair value	$ 72,000,000
Weighted average yield	2.27%
Debt Securities, Available-for-sale, Amortized Cost, Total	$ 299,958,000	$ 329,979,000
Debt Securities, Available-for-sale, Total	$ 307,661,000	334,655,000
Collateralized Mortgage Backed Securities [Member]
No single maturity, weighted average yield	2.57%
No single maturity, amortized cost	$ 34,765,000
No single maturity, fair value	36,033,000
Debt Securities, Available-for-sale, Amortized Cost, Total	34,765,000	41,998,000
Debt Securities, Available-for-sale, Total	$ 36,033,000	42,470,000
Other Debt and Equity Securities [Member]
No single maturity, weighted average yield	4.50%
No single maturity, amortized cost	$ 500,000
No single maturity, fair value	500,000
Debt Securities, Available-for-sale, Amortized Cost, Total	500,000	500,000
Debt Securities, Available-for-sale, Total	$ 500,000	$ 500,000

Note 3 - Loans and Allowance _3

Note 3 - Loans and Allowance for Loan Losses (Details Textual) - USD ($)		3 Months Ended			6 Months Ended
		Jun. 30, 2020		Jun. 30, 2019	Jun. 30, 2020		Jun. 30, 2019	Dec. 31, 2019
Loans and Leases Receivable, Net of Deferred Income, Total		$ 3,333,056,000			$ 3,333,056,000			$ 2,856,667,000
Loans and Leases Receivable Period Increase (Decrease)					$ 476,000,000
Loans and Leases Receivable, Percentage Period Increase (Decrease)					16.70%
Impaired Financing Receivable, Interest Income, Accrual Method, Total		400,000		$ 200,000	$ 600,000		$ 500,000
Loans and Leases Receivable, Nonaccrual Loans, Interest Income Recognized		0		0	0		0
Loans and Leases Receivable, Impaired, Interest Lost on Nonaccrual Loans		100,000		$ 100,000	$ 100,000		$ 100,000
Minimum Number of Days Past Due at Period End For Loans Modified as Troubled Debt Restructurings (Day)					30 days
Commercial Portfolio Segment [Member]
Loans and Leases Receivable, Net of Deferred Income, Total		2,901,252,000			$ 2,901,252,000			2,441,544,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans and Leases Receivable, Net of Deferred Income, Total	[1]	1,307,455,000			1,307,455,000			846,551,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member] | Grades 1-4 [Member]
Loans and Leases Receivable, Net of Deferred Income, Total		1,008,010,000	[2]		1,008,010,000	[2]		$ 521,920,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member] | SBA, CARES Act, Paycheck Protection Program [Member]
Loans and Leases Receivable, Net of Deferred Income, Total		549,000,000			549,000,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member] | SBA, CARES Act, Paycheck Protection Program [Member] | Grades 1-4 [Member]
Loans and Leases Receivable, Net of Deferred Income, Total		$ 549,000,000			$ 549,000,000
[1]	For June 30, 2020, includes $549 million in loans originated under the Paycheck Protection Program.
[2]	Included in Commercial and Industrial Loans Grades 1 - 4 are $549 million of loans originated under the Paycheck Protection Program.

Note 3 - Loans and Allowance _4

Note 3 - Loans and Allowance for Loan Losses - Components of Loan Portfolio (Details) - USD ($)		6 Months Ended
		Jun. 30, 2020	Dec. 31, 2019
Loans		$ 3,333,056,000	$ 2,856,667,000
Percent of portfolio		100.00%	100.00%
Period increase (decrease)		16.70%
Commercial Portfolio Segment [Member]
Loans		$ 2,901,252,000	$ 2,441,544,000
Percent of portfolio		87.00%	85.50%
Period increase (decrease)		18.80%
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans	[1]	$ 1,307,455,000	$ 846,551,000
Percent of portfolio	[1]	39.20%	29.60%
Period increase (decrease)	[1]	54.40%
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Loans		$ 52,984,000	$ 56,119,000
Percent of portfolio		1.60%	2.00%
Period increase (decrease)		(5.60%)
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Loans		$ 567,621,000	$ 579,003,000
Percent of portfolio		17.00%	20.30%
Period increase (decrease)		(2.00%)
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Loans		$ 841,145,000	$ 835,346,000
Percent of portfolio		25.20%	29.20%
Period increase (decrease)		0.70%
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Loans		$ 132,047,000	$ 124,525,000
Percent of portfolio		4.00%	4.40%
Period increase (decrease)		6.00%
Retail Portfolio Segment [Member]
Loans		$ 431,804,000	$ 415,123,000
Percent of portfolio		13.00%	14.50%
Period increase (decrease)		4.00%
Retail Portfolio Segment [Member] | Home Equity and Other [Member]
Loans		$ 64,743,000	$ 75,374,000
Percent of portfolio		2.00%	2.60%
Period increase (decrease)		(14.10%)
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Loans		$ 367,061,000	$ 339,749,000
Percent of portfolio		11.00%	11.90%
Period increase (decrease)		8.00%
[1]	For June 30, 2020, includes $549 million in loans originated under the Paycheck Protection Program.

Note 3 - Loans and Allowance _5

Note 3 - Loans and Allowance for Loan Losses - Nonperforming Loans (Details) - USD ($)	Jun. 30, 2020	Dec. 31, 2019
Loans past due 90 days or more still accruing interest	$ 0	$ 0
Commercial Portfolio Segment [Member]
Loans past due 90 days or more still accruing interest	0	0
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans past due 90 days or more still accruing interest	0	0
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Loans past due 90 days or more still accruing interest	0	0
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Loans past due 90 days or more still accruing interest	0	0
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Loans past due 90 days or more still accruing interest	0	0
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Loans past due 90 days or more still accruing interest	0	0
Retail Portfolio Segment [Member]
Loans past due 90 days or more still accruing interest	0	0
Retail Portfolio Segment [Member] | Home Equity and Other [Member]
Loans past due 90 days or more still accruing interest	0	0
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Loans past due 90 days or more still accruing interest	0	0
Nonperforming Financial Instruments [Member]
Loans past due 90 days or more still accruing interest	0	0
Nonaccrual loans	3,212,000	2,284,000
Total nonperforming loans	3,212,000	2,284,000
Nonperforming Financial Instruments [Member] | Commercial Portfolio Segment [Member]
Total nonperforming loans	596,000	136,000
Nonperforming Financial Instruments [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Total nonperforming loans	98,000	0
Nonperforming Financial Instruments [Member] | Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Total nonperforming loans	198,000	0
Nonperforming Financial Instruments [Member] | Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Total nonperforming loans	275,000	134,000
Nonperforming Financial Instruments [Member] | Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Total nonperforming loans	25,000	0
Nonperforming Financial Instruments [Member] | Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Total nonperforming loans	0	2,000
Nonperforming Financial Instruments [Member] | Retail Portfolio Segment [Member]
Total nonperforming loans	2,616,000	2,148,000
Nonperforming Financial Instruments [Member] | Retail Portfolio Segment [Member] | Home Equity and Other [Member]
Total nonperforming loans	250,000	255,000
Nonperforming Financial Instruments [Member] | Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Total nonperforming loans	$ 2,366,000	$ 1,893,000

Note 3 - Loans and Allowance _6

Note 3 - Loans and Allowance for Loan Losses - Age Analysis of Past Due Loans (Details) - USD ($)		Jun. 30, 2020	Dec. 31, 2019
Past due loans		$ 1,405,000	$ 1,884,000
Current loans		3,331,651,000	2,854,783,000
Loans		3,333,056,000	2,856,667,000
Loans past due 90 days or more still accruing interest		0	0
Commercial Portfolio Segment [Member]
Past due loans		464,000	325,000
Current loans		2,900,788,000	2,441,219,000
Loans		2,901,252,000	2,441,544,000
Loans past due 90 days or more still accruing interest		0	0
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Past due loans		38,000	0
Current loans		1,307,417,000	846,551,000
Loans	[1]	1,307,455,000	846,551,000
Loans past due 90 days or more still accruing interest		0	0
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Past due loans		220,000	191,000
Current loans		52,764,000	55,928,000
Loans		52,984,000	56,119,000
Loans past due 90 days or more still accruing interest		0	0
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Past due loans		181,000	134,000
Current loans		567,440,000	578,869,000
Loans		567,621,000	579,003,000
Loans past due 90 days or more still accruing interest		0	0
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Past due loans		25,000	0
Current loans		841,120,000	835,346,000
Loans		841,145,000	835,346,000
Loans past due 90 days or more still accruing interest		0	0
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Past due loans		0	0
Current loans		132,047,000	124,525,000
Loans		132,047,000	124,525,000
Loans past due 90 days or more still accruing interest		0	0
Retail Portfolio Segment [Member]
Past due loans		941,000	1,559,000
Current loans		430,863,000	413,564,000
Loans		431,804,000	415,123,000
Loans past due 90 days or more still accruing interest		0	0
Retail Portfolio Segment [Member] | Home Equity and Other [Member]
Past due loans		178,000	256,000
Current loans		64,565,000	75,118,000
Loans		64,743,000	75,374,000
Loans past due 90 days or more still accruing interest		0	0
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Past due loans		763,000	1,303,000
Current loans		366,298,000	338,446,000
Loans		367,061,000	339,749,000
Loans past due 90 days or more still accruing interest		0	0
Financial Asset, 30 to 59 Days Past Due [Member]
Past due loans		287,000	1,107,000
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Past due loans		0	191,000
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Past due loans		0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Past due loans		0	191,000
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Past due loans		0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Past due loans		0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Past due loans		0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Retail Portfolio Segment [Member]
Past due loans		287,000	916,000
Financial Asset, 30 to 59 Days Past Due [Member] | Retail Portfolio Segment [Member] | Home Equity and Other [Member]
Past due loans		49,000	171,000
Financial Asset, 30 to 59 Days Past Due [Member] | Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Past due loans		238,000	745,000
Financial Asset, 60 to 89 Days Past Due [Member]
Past due loans		182,000	94,000
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Past due loans		47,000	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Past due loans		0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Past due loans		22,000	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Past due loans		0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Past due loans		25,000	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Past due loans		0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Retail Portfolio Segment [Member]
Past due loans		135,000	94,000
Financial Asset, 60 to 89 Days Past Due [Member] | Retail Portfolio Segment [Member] | Home Equity and Other [Member]
Past due loans		39,000	65,000
Financial Asset, 60 to 89 Days Past Due [Member] | Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Past due loans		96,000	29,000
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Past due loans		936,000	683,000
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Past due loans		417,000	134,000
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Past due loans		38,000	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Past due loans		198,000	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Past due loans		181,000	134,000
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Past due loans		0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Past due loans		0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Retail Portfolio Segment [Member]
Past due loans		519,000	549,000
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Retail Portfolio Segment [Member] | Home Equity and Other [Member]
Past due loans		90,000	20,000
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Past due loans		$ 429,000	$ 529,000
[1]	For June 30, 2020, includes $549 million in loans originated under the Paycheck Protection Program.

Note 3 - Loans and Allowance _7

Note 3 - Loans and Allowance for Loan Losses - Impaired Loans (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
With no related allowance recorded, unpaid principal balance	$ 19,722,000		$ 19,722,000		$ 13,687,000
With no related allowance recorded, principal balance	17,451,000		17,451,000		12,245,000
With no related allowance recorded, average recorded principal balance	18,016,000	$ 16,212,000	16,092,000	$ 15,518,000
With related allowance recorded, unpaid principal balance	2,809,000		2,809,000		2,398,000
With related allowance recorded, principal balance	2,789,000		2,789,000		2,377,000
Related allowance	1,512,000		1,512,000		1,623,000
With related allowance recorded, average recorded principal balance	3,278,000	12,394,000	2,978,000	11,568,000
Total unpaid principal balance	22,531,000		22,531,000		16,085,000
Total principal balance	20,240,000		20,240,000		14,622,000
Total average recorded principal balance	21,294,000	28,606,000	19,070,000	27,086,000
Commercial Portfolio Segment [Member]
With no related allowance recorded, unpaid principal balance	13,802,000		13,802,000		9,136,000
With no related allowance recorded, principal balance	13,606,000		13,606,000		9,068,000
With no related allowance recorded, average recorded principal balance	14,116,000	12,651,000	12,433,000	12,082,000
With related allowance recorded, unpaid principal balance	1,551,000		1,551,000		1,538,000
With related allowance recorded, principal balance	1,550,000		1,550,000		1,536,000
Related allowance	1,011,000		1,011,000		1,184,000
With related allowance recorded, average recorded principal balance	2,154,000	11,183,000	1,948,000	10,233,000
Total unpaid principal balance	15,353,000		15,353,000		10,674,000
Total principal balance	15,156,000		15,156,000		10,604,000
Total average recorded principal balance	16,270,000	23,834,000	14,381,000	22,315,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
With no related allowance recorded, unpaid principal balance	8,784,000		8,784,000		8,129,000
With no related allowance recorded, principal balance	8,753,000		8,753,000		8,129,000
With no related allowance recorded, average recorded principal balance	9,460,000	10,214,000	9,016,000	9,810,000
With related allowance recorded, unpaid principal balance	1,331,000		1,331,000		460,000
With related allowance recorded, principal balance	1,330,000		1,330,000		458,000
Related allowance	1,006,000		1,006,000		202,000
With related allowance recorded, average recorded principal balance	1,751,000	9,687,000	1,320,000	8,184,000
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
With no related allowance recorded, unpaid principal balance	538,000		538,000		85,000
With no related allowance recorded, principal balance	453,000		453,000		85,000
With no related allowance recorded, average recorded principal balance	326,000	90,000	246,000	91,000
With related allowance recorded, unpaid principal balance	0		0		0
With related allowance recorded, principal balance	0		0		0
Related allowance	0		0		0
With related allowance recorded, average recorded principal balance	192,000	0	128,000	0
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
With no related allowance recorded, unpaid principal balance	4,434,000		4,434,000		715,000
With no related allowance recorded, principal balance	4,375,000		4,375,000		667,000
With no related allowance recorded, average recorded principal balance	4,316,000	2,083,000	3,100,000	1,996,000
With related allowance recorded, unpaid principal balance	49,000		49,000		1,078,000
With related allowance recorded, principal balance	49,000		49,000		1,078,000
Related allowance	2,000		2,000		982,000
With related allowance recorded, average recorded principal balance	126,000	1,384,000	443,000	1,858,000
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
With no related allowance recorded, unpaid principal balance	25,000		25,000		178,000
With no related allowance recorded, principal balance	25,000		25,000		178,000
With no related allowance recorded, average recorded principal balance	12,000	175,000	67,000	117,000
With related allowance recorded, unpaid principal balance	170,000		170,000		0
With related allowance recorded, principal balance	170,000		170,000		0
Related allowance	3,000		3,000		0
With related allowance recorded, average recorded principal balance	85,000	47,000	57,000	101,000
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
With no related allowance recorded, unpaid principal balance	21,000		21,000		29,000
With no related allowance recorded, principal balance	0		0		9,000
With no related allowance recorded, average recorded principal balance	2,000	89,000	4,000	68,000
With related allowance recorded, unpaid principal balance	1,000		1,000		0
With related allowance recorded, principal balance	1,000		1,000		0
Related allowance	0		0		0
With related allowance recorded, average recorded principal balance	0	65,000	0	90,000
Retail Portfolio Segment [Member]
With no related allowance recorded, unpaid principal balance	5,920,000		5,920,000		4,551,000
With no related allowance recorded, principal balance	3,845,000		3,845,000		3,177,000
With no related allowance recorded, average recorded principal balance	3,900,000	3,561,000	3,659,000	3,436,000
With related allowance recorded, unpaid principal balance	1,258,000		1,258,000		860,000
With related allowance recorded, principal balance	1,239,000		1,239,000		841,000
Related allowance	501,000		501,000		439,000
With related allowance recorded, average recorded principal balance	1,124,000	1,211,000	1,030,000	1,335,000
Total unpaid principal balance	7,178,000		7,178,000		5,411,000
Total principal balance	5,084,000		5,084,000		4,018,000
Total average recorded principal balance	5,024,000	4,772,000	4,689,000	4,771,000
Retail Portfolio Segment [Member] | Home Equity and Other [Member]
With no related allowance recorded, unpaid principal balance	1,359,000		1,359,000		1,279,000
With no related allowance recorded, principal balance	1,274,000		1,274,000		1,209,000
With no related allowance recorded, average recorded principal balance	1,273,000	1,360,000	1,252,000	1,222,000
With related allowance recorded, unpaid principal balance	596,000		596,000		502,000
With related allowance recorded, principal balance	577,000		577,000		485,000
Related allowance	339,000		339,000		356,000
With related allowance recorded, average recorded principal balance	486,000	572,000	486,000	672,000
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
With no related allowance recorded, unpaid principal balance	4,561,000		4,561,000		3,272,000
With no related allowance recorded, principal balance	2,571,000		2,571,000		1,968,000
With no related allowance recorded, average recorded principal balance	2,627,000	2,201,000	2,407,000	2,214,000
With related allowance recorded, unpaid principal balance	662,000		662,000		358,000
With related allowance recorded, principal balance	662,000		662,000		356,000
Related allowance	162,000		162,000		$ 83,000
With related allowance recorded, average recorded principal balance	$ 638,000	$ 639,000	$ 544,000	$ 663,000

Note 3 - Loans and Allowance _8

Note 3 - Loans and Allowance for Loan Losses - Loans by Credit Quality Indicators (Details) - USD ($)		Jun. 30, 2020		Dec. 31, 2019
Loans		$ 3,333,056,000		$ 2,856,667,000
Commercial Portfolio Segment [Member]
Loans		2,901,252,000		2,441,544,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans	[1]	1,307,455,000		846,551,000
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Loans		52,984,000		56,119,000
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Loans		567,621,000		579,003,000
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Loans		841,145,000		835,346,000
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Loans		132,047,000		124,525,000
Grades 1-4 [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans		1,008,010,000	[2]	521,920,000
Grades 1-4 [Member] | Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Loans		21,500,000	[2]	26,065,000
Grades 1-4 [Member] | Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Loans		309,221,000	[2]	351,671,000
Grades 1-4 [Member] | Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Loans		545,764,000	[2]	563,087,000
Grades 1-4 [Member] | Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Loans		73,394,000	[2]	85,152,000
Grades 5-7 [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans		289,342,000		309,824,000
Grades 5-7 [Member] | Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Loans		30,914,000		29,716,000
Grades 5-7 [Member] | Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Loans		253,695,000		220,980,000
Grades 5-7 [Member] | Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Loans		294,423,000		272,124,000
Grades 5-7 [Member] | Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Loans		58,461,000		39,203,000
Grades 8-9 [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans		10,103,000		14,807,000
Grades 8-9 [Member] | Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Loans		570,000		338,000
Grades 8-9 [Member] | Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Loans		4,705,000		6,352,000
Grades 8-9 [Member] | Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Loans		958,000		135,000
Grades 8-9 [Member] | Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Loans		$ 192,000		$ 170,000
[1]	For June 30, 2020, includes $549 million in loans originated under the Paycheck Protection Program.
[2]	Included in Commercial and Industrial Loans Grades 1 - 4 are $549 million of loans originated under the Paycheck Protection Program.

Note 3 - Loans and Allowance _9

Note 3 - Loans and Allowance for Loan Losses - Retail Credit Exposure (Details) - USD ($)	Jun. 30, 2020	Dec. 31, 2019
Loans	$ 3,333,056,000	$ 2,856,667,000
Retail Portfolio Segment [Member]
Loans	431,804,000	415,123,000
Retail Portfolio Segment [Member] | Home Equity and Other [Member]
Loans	64,743,000	75,374,000
Retail Portfolio Segment [Member] | Home Equity and Other [Member] | Performing Financial Instruments [Member]
Loans	64,493,000	75,119,000
Retail Portfolio Segment [Member] | Home Equity and Other [Member] | Nonperforming Financial Instruments [Member]
Loans	250,000	255,000
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Loans	367,061,000	339,749,000
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member] | Performing Financial Instruments [Member]
Loans	364,695,000	337,856,000
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member] | Nonperforming Financial Instruments [Member]
Loans	$ 2,366,000	$ 1,893,000

Note 3 - Loans and Allowance_10

Note 3 - Loans and Allowance for Loan Losses - Activity in Allowance for Loan Losses and the Recorded Investments in Loans (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Beginning balance	$ 24,828,000	$ 23,135,000	$ 23,889,000	$ 22,380,000
Provision for loan losses	7,600,000	900,000	8,350,000	1,750,000
Charge-offs	(335,000)	(77,000)	(375,000)	(252,000)
Recoveries	153,000	95,000	382,000	175,000
Ending balance	32,246,000	24,053,000	32,246,000	24,053,000
Ending balance: individually evaluated for impairment	1,512,000	2,536,000	1,512,000	2,536,000
Ending balance: collectively evaluated for impairment	30,734,000	21,517,000	30,734,000	21,517,000
Loans and Leases Receivable, Net of Deferred Income, Total	3,333,056,000		3,333,056,000		$ 2,856,667,000
Ending balance: individually evaluated for impairment	20,240,000		20,240,000		15,056,000
Ending balance: collectively evaluated for impairment	3,312,816,000		3,312,816,000		2,841,611,000
Commercial Portfolio Segment [Member]
Beginning balance	21,750,000	20,211,000	21,070,000	19,619,000
Provision for loan losses	6,466,000	1,015,000	7,039,000	1,579,000
Charge-offs	(301,000)	(2,000)	(314,000)	(2,000)
Recoveries	47,000	47,000	167,000	75,000
Ending balance	27,962,000	21,271,000	27,962,000	21,271,000
Ending balance: individually evaluated for impairment	1,011,000	2,149,000	1,011,000	2,149,000
Ending balance: collectively evaluated for impairment	26,951,000	19,122,000	26,951,000	19,122,000
Loans and Leases Receivable, Net of Deferred Income, Total	2,901,252,000		2,901,252,000		2,441,544,000
Ending balance: individually evaluated for impairment	15,156,000		15,156,000		10,986,000
Ending balance: collectively evaluated for impairment	2,886,096,000		2,886,096,000		2,430,558,000
Retail Portfolio Segment [Member]
Beginning balance	3,078,000	2,696,000	2,749,000	2,717,000
Provision for loan losses	1,074,000	16,000	1,321,000	118,000
Charge-offs	(34,000)	(75,000)	(61,000)	(250,000)
Recoveries	106,000	48,000	215,000	100,000
Ending balance	4,224,000	2,685,000	4,224,000	2,685,000
Ending balance: individually evaluated for impairment	501,000	387,000	501,000	387,000
Ending balance: collectively evaluated for impairment	3,723,000	2,298,000	3,723,000	2,298,000
Loans and Leases Receivable, Net of Deferred Income, Total	431,804,000		431,804,000		415,123,000
Ending balance: individually evaluated for impairment	5,084,000		5,084,000		4,070,000
Ending balance: collectively evaluated for impairment	426,720,000		426,720,000		411,053,000
Unallocated Financing Receivables [Member]
Beginning balance	0	228,000	70,000	44,000
Provision for loan losses	60,000	(131,000)	(10,000)	53,000
Charge-offs	0	0	0	0
Recoveries	0	0	0	0
Ending balance	60,000	97,000	60,000	97,000
Ending balance: individually evaluated for impairment	0	0	0	0
Ending balance: collectively evaluated for impairment	60,000	$ 97,000	60,000	$ 97,000
Loans and Leases Receivable, Net of Deferred Income, Total
Ending balance: individually evaluated for impairment
Ending balance: collectively evaluated for impairment

Note 3 - Loans and Allowance_11

Note 3 - Loans and Allowance for Loan Losses - Loans Modified as Troubled Debt Restructurings (Details)	3 Months Ended		6 Months Ended
	Jun. 30, 2020USD ($)	Jun. 30, 2019USD ($)	Jun. 30, 2020USD ($)	Jun. 30, 2019USD ($)
Number of Contracts	10	11	27	20
Pre- Modification Recorded Principal Balance	$ 464,000	$ 15,822,000	$ 11,329,000	$ 17,003,000
Post- Modification Recorded Principal Balance	$ 465,000	$ 16,120,000	$ 10,726,000	$ 17,290,000
Commercial Portfolio Segment [Member]
Number of Contracts	2	4	16	8
Pre- Modification Recorded Principal Balance	$ 6,000	$ 15,607,000	$ 10,806,000	$ 16,686,000
Post- Modification Recorded Principal Balance	$ 6,000	$ 15,904,000	$ 10,201,000	$ 16,972,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Number of Contracts	2	3	8	6
Pre- Modification Recorded Principal Balance	$ 6,000	$ 14,040,000	$ 6,545,000	$ 14,429,000
Post- Modification Recorded Principal Balance	$ 6,000	$ 14,337,000	$ 6,542,000	$ 14,726,000
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Number of Contracts	0	0	0	0
Pre- Modification Recorded Principal Balance	$ 0	$ 0	$ 0	$ 0
Post- Modification Recorded Principal Balance	$ 0	$ 0	$ 0	$ 0
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Number of Contracts	0	1	8	2
Pre- Modification Recorded Principal Balance	$ 0	$ 1,567,000	$ 4,261,000	$ 2,257,000
Post- Modification Recorded Principal Balance	$ 0	$ 1,567,000	$ 3,659,000	$ 2,246,000
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Number of Contracts	0	0	0	0
Pre- Modification Recorded Principal Balance	$ 0	$ 0	$ 0	$ 0
Post- Modification Recorded Principal Balance	$ 0	$ 0	$ 0	$ 0
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Number of Contracts	0	0	0	0
Pre- Modification Recorded Principal Balance	$ 0	$ 0	$ 0	$ 0
Post- Modification Recorded Principal Balance	$ 0	$ 0	$ 0	$ 0
Retail Portfolio Segment [Member]
Number of Contracts	8	7	11	12
Pre- Modification Recorded Principal Balance	$ 458,000	$ 215,000	$ 523,000	$ 317,000
Post- Modification Recorded Principal Balance	$ 459,000	$ 216,000	$ 525,000	$ 318,000
Retail Portfolio Segment [Member] | Home Equity and Other [Member]
Number of Contracts	7	4	10	8
Pre- Modification Recorded Principal Balance	$ 438,000	$ 93,000	$ 503,000	$ 163,000
Post- Modification Recorded Principal Balance	$ 439,000	$ 94,000	$ 505,000	$ 164,000
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Number of Contracts	1	3	1	4
Pre- Modification Recorded Principal Balance	$ 20,000	$ 122,000	$ 20,000	$ 154,000
Post- Modification Recorded Principal Balance	$ 20,000	$ 122,000	$ 20,000	$ 154,000

Note 3 - Loans and Allowance_12

Note 3 - Loans and Allowance for Loan Losses - Loans Modified As Troubled Debt Restructurings Within the Previous Twelve Months That Became Over 30 Days Past Due (Details)	3 Months Ended		6 Months Ended
	Jun. 30, 2020USD ($)	Jun. 30, 2019USD ($)	Jun. 30, 2020USD ($)	Jun. 30, 2019USD ($)
Number of Contracts	0	0	1	0
Recorded Principal Balance	$ 0	$ 0	$ 32,000	$ 0
Commercial Portfolio Segment [Member]
Number of Contracts	0	0	0	0
Recorded Principal Balance	$ 0	$ 0	$ 0	$ 0
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Number of Contracts	0	0	0	0
Recorded Principal Balance	$ 0	$ 0	$ 0	$ 0
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Number of Contracts	0	0	0	0
Recorded Principal Balance	$ 0	$ 0	$ 0	$ 0
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Number of Contracts	0	0	0	0
Recorded Principal Balance	$ 0	$ 0	$ 0	$ 0
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Number of Contracts	0	0	0	0
Recorded Principal Balance	$ 0	$ 0	$ 0	$ 0
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Number of Contracts	0	0	0	0
Recorded Principal Balance	$ 0	$ 0	$ 0	$ 0
Retail Portfolio Segment [Member]
Number of Contracts	0	0	1	0
Recorded Principal Balance	$ 0	$ 0	$ 32,000	$ 0
Retail Portfolio Segment [Member] | Home Equity and Other [Member]
Number of Contracts	0	0	0	0
Recorded Principal Balance	$ 0	$ 0	$ 0	$ 0
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Number of Contracts	0	0	1	0
Recorded Principal Balance	$ 0	$ 0	$ 32,000	$ 0

Note 3 - Loans and Allowance_13

Note 3 - Loans and Allowance for Loan Losses - Activity for Troubled Debt Restructurings (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Beginning Balance	$ 12,204,000	$ 15,610,000	$ 8,587,000	$ 14,138,000
Charge-Offs	0	0	0	0
Payments	(2,143,000)	(3,148,000)	(4,975,000)	(4,814,000)
Transfers to ORE	0	0	0	0
Net Additions/Deletions	6,000	11,672,000	6,455,000	14,810,000
Ending Balance	10,067,000	24,134,000	10,067,000	24,134,000
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Beginning Balance	82,000	0	85,000	0
Charge-Offs	0	0	0	0
Payments	(2,000)	0	(5,000)	0
Transfers to ORE	0	0	0	0
Net Additions/Deletions	0	0	0	0
Ending Balance	80,000	0	80,000	0
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Beginning Balance	3,811,000	3,695,000	1,145,000	3,100,000
Charge-Offs	0	0	0	0
Payments	(20,000)	(2,377,000)	(1,008,000)	(2,425,000)
Transfers to ORE	0	0	0	(97,000)
Net Additions/Deletions	0	1,180,000	3,654,000	1,920,000
Ending Balance	3,791,000	2,498,000	3,791,000	2,498,000
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Beginning Balance	174,000	189,000	178,000	210,000
Charge-Offs	0	0	0	0
Payments	(4,000)	(4,000)	(8,000)	(25,000)
Transfers to ORE	0	0	0	0
Net Additions/Deletions	0	0	0	0
Ending Balance	170,000	185,000	170,000	185,000
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Beginning Balance	3,000	21,000	7,000	24,000
Charge-Offs	0	0	0	0
Payments	(2,000)	(4,000)	(6,000)	(7,000)
Transfers to ORE	0	0	0	0
Net Additions/Deletions	0	0	0	0
Ending Balance	1,000	17,000	1,000	17,000
Retail Portfolio Segment [Member] | Home Equity and Other [Member]
Beginning Balance	1,452,000	1,444,000	1,415,000	1,402,000
Charge-Offs	0	(18,000)	0	(18,000)
Payments	(175,000)	(62,000)	(203,000)	(90,000)
Transfers to ORE	0	0	0	0
Net Additions/Deletions	438,000	102,000	503,000	172,000
Ending Balance	1,715,000	1,466,000	1,715,000	1,466,000
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Beginning Balance	715,000	600,000	724,000	578,000
Charge-Offs	0	0	0	0
Payments	(20,000)	(14,000)	(29,000)	(24,000)
Transfers to ORE	0	0	0	0
Net Additions/Deletions	20,000	120,000	20,000	152,000
Ending Balance	$ 715,000	$ 706,000	$ 715,000	$ 706,000

Note 3 - Loans and Allowance_14

Note 3 - Loans and Allowance for Loan Losses - Allowance Related to Troubled Debt Restructurings (Details) - USD ($)	Jun. 30, 2020	Dec. 31, 2019
Related allowance	$ 1,393,000	$ 1,578,000
Commercial Portfolio Segment [Member]
Related allowance	951,000	1,184,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Related allowance	946,000	202,000
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Related allowance	0	0
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Related allowance	2,000	982,000
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Related allowance	3,000	0
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Related allowance	0	0
Retail Portfolio Segment [Member]
Related allowance	442,000	394,000
Retail Portfolio Segment [Member] | Home Equity and Other [Member]
Related allowance	288,000	311,000
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Related allowance	$ 154,000	$ 83,000

Note 4 - Premises and Equipme_3

Note 4 - Premises and Equipment, Net (Details Textual) - USD ($) $ in Millions	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Depreciation, Total	$ 1.3	$ 0.9	$ 2.5	$ 1.9

Note 4 - Premises and Equipme_4

Note 4 - Premises and Equipment, Net - Summary of Premises and Equipment (Details) - USD ($)	Jun. 30, 2020	Dec. 31, 2019
Property, plant and equipment, gross	$ 94,588,000	$ 92,598,000
Less: accumulated depreciation	35,433,000	35,271,000
Premises and equipment, net	59,155,000	57,327,000
Land and Land Improvements [Member]
Property, plant and equipment, gross	17,218,000	17,039,000
Building [Member]
Property, plant and equipment, gross	55,580,000	52,847,000
Furniture and Fixtures [Member]
Property, plant and equipment, gross	$ 21,790,000	$ 22,712,000

Note 5 - Deposits (Details Text

Note 5 - Deposits (Details Textual) - USD ($)	6 Months Ended
	Jun. 30, 2020	Dec. 31, 2019
Deposits, Total	$ 3,262,280,000	$ 2,690,384,000
Increase (Decrease) in Deposits, Total	$ 572,000,000
Aggregate Increase (Decrease) in Percentage of Deposits	21.30%
Time Deposits, at or Above FDIC Insurance Limit	$ 289,000,000	$ 320,000,000

Note 5 - Deposits - Summary of

Note 5 - Deposits - Summary of Deposits (Details) - USD ($)	6 Months Ended
	Jun. 30, 2020	Dec. 31, 2019
Noninterest-bearing	$ 1,445,620,000	$ 924,916,000
Noninterest-bearing demand, percentage	44.30%	34.40%
Noninterest-bearing demand, percent increase	56.30%
Interest-bearing checking	$ 382,522,000	$ 332,373,000
Interest-bearing checking, percentage	11.70%	12.30%
Interest-bearing checking, percent increase (decrease)	15.10%
Money market	$ 541,929,000	$ 509,368,000
Money market, percentage	16.60%	18.90%
Money market, percent increase (decrease)	6.40%
Savings	$ 301,881,000	$ 269,318,000
Savings, percentage	9.20%	10.00%
Savings, percent increase (decrease)	12.10%
Local Time, under $100,000	$ 178,838,000	$ 198,123,000
Local Time, under $100,000, percentage	5.50%	7.40%
Local Time, under $100,000, percent increase (decrease)	(9.70%)
Local Time, $100,000 and over	$ 334,781,000	$ 322,827,000
Local Time, $100,000 and over, percentage	10.30%	12.00%
Local Time, $100,000 and over, percent increase (decrease)	3.70%
Total local deposits	$ 3,185,571,000	$ 2,556,925,000
Total local deposits, percentage	97.60%	95.00%
Total local deposits, percent increase (decrease)	24.60%
Out-of-area time, under $100,000	$ 0	$ 0
Out-of-area time, $100,000 and over	$ 76,709,000	$ 133,459,000
Out-of-area time, $100,000 and over, percentage	2.40%	5.00%
Out-of-area time, $100,000 and over, percent increase (decrease)	(42.50%)
Total out-of-area deposits	$ 76,709,000	$ 133,459,000
Total out-of-area deposits, percentage	2.40%	5.00%
Total out-of-area deposits, percent increase (decrease)	(42.50%)
Total deposits	$ 3,262,280,000	$ 2,690,384,000
Total deposits, percentage	100.00%	100.00%
Total deposits, percent increase (decrease)	21.30%

Note 6 - Securities Sold Unde_3

Note 6 - Securities Sold Under Agreements to Repurchase (Details Textual)	6 Months Ended
	Jun. 30, 2020
Repurchase Agreement Counterparty, Weighted Average Maturity of Agreements (Day)	1 day

Note 6 - Securities Sold Unde_4

Note 6 - Securities Sold Under Agreements to Repurchase - Securities Sold Under Agreement to Repurchase (Details) - USD ($)	6 Months Ended	12 Months Ended
	Jun. 30, 2020	Dec. 31, 2019
Securities sold under agreements to repurchase	$ 167,527,000	$ 102,675,000
Average daily balance during the period	123,486,000	105,234,000
Maximum daily balance during the period	$ 167,527,000	$ 133,411,000
Securities Sold under Agreements to Repurchase [Member]
Average interest rate at end of period	0.10%	0.17%
Average interest rate during the period	0.13%	0.24%

Note 7 - Federal Home Loan Ba_3

Note 7 - Federal Home Loan Bank of Indianapolis Advances (Details Textual) - USD ($)	1 Months Ended	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2020	Jun. 30, 2019	Dec. 31, 2019
Long-term Federal Home Loan Bank Advances, Total	$ 394,000,000	$ 394,000,000		$ 354,000,000
Payments of FHLBank Borrowings, Financing Activities		20,000,000	$ 20,000,000
Line of Credit Facility, Maximum Borrowing Capacity	775,000,000	775,000,000
Line of Credit Facility, Remaining Borrowing Capacity	375,000,000	375,000,000
Federal Home Loan Bank of Indianapolis [Member]
Long-term Federal Home Loan Bank Advances, Total	394,000,000	$ 394,000,000		$ 354,000,000
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Repayment and Penalties	900,000
Federal Home Loan Bank of Indianapolis [Member] | Federal Home Loan Bank Advances With Maturities From August 2020 to October 2021 [Member]
Payments of FHLBank Borrowings, Financing Activities	70,000,000
Federal Home Loan Bank of Indianapolis [Member] | Federal Home Loan Bank Advances With Maturities From June 2024 to June 2027 [Member]
Proceeds from FHLBank Borrowings, Financing Activities	$ 70,000,000
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End, Embedded Prepayment Fees	0.22%	0.22%
Federal Home Loan Bank of Indianapolis [Member] | Minimum [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End	0.55%	0.55%		1.36%
Federal Home Loan Bank of Indianapolis [Member] | Minimum [Member] | Federal Home Loan Bank Advances With Maturities From August 2020 to October 2021 [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End	1.36%	1.36%
Federal Home Loan Bank of Indianapolis [Member] | Minimum [Member] | Federal Home Loan Bank Advances With Maturities From June 2024 to June 2027 [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End	0.55%	0.55%
Federal Home Loan Bank of Indianapolis [Member] | Maximum [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End	3.18%	3.18%		3.18%
Federal Home Loan Bank of Indianapolis [Member] | Maximum [Member] | Federal Home Loan Bank Advances With Maturities From August 2020 to October 2021 [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End	2.84%	2.84%
Federal Home Loan Bank of Indianapolis [Member] | Maximum [Member] | Federal Home Loan Bank Advances With Maturities From June 2024 to June 2027 [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End	1.18%	1.18%
Federal Home Loan Bank of Indianapolis [Member] | Weighted Average [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End	2.06%	2.06%
Federal Home Loan Bank, Advances, Branch of FHLB Bank, Interest Rate				2.45%
Federal Home Loan Bank of Indianapolis [Member] | Weighted Average [Member] | Federal Home Loan Bank Advances With Maturities From August 2020 to October 2021 [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End	1.97%	1.97%
Federal Home Loan Bank of Indianapolis [Member] | Weighted Average [Member] | Federal Home Loan Bank Advances With Maturities From June 2024 to June 2027 [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End	0.84%	0.84%

Note 7 - Federal Home Loan Ba_4

Note 7 - Federal Home Loan Bank of Indianapolis Advances - Maturities of Currently Outstanding FHLB Advances (Details)	Jun. 30, 2020USD ($)
2020	$ 0
2021	20,000,000
2022	94,000,000
2023	80,000,000
2024	80,000,000
Thereafter	$ 120,000,000

Note 8 - Commitments and Off-_3

Note 8 - Commitments and Off-balance Sheet Risk (Details Textual) - USD ($) $ in Thousands	Jun. 30, 2020	Dec. 31, 2019
Reserve or Liability Balance for Financial Instruments With Off Balance Sheet Risk	$ 0	$ 0

Note 8 - Commitments and Off-_4

Note 8 - Commitments and Off-balance Sheet Risk - Exposure to Credit Losses (Details) - USD ($)	Jun. 30, 2020	Dec. 31, 2019
Contractual amounts of financial instruments with off-balance sheet risk	$ 1,207,330,000	$ 1,038,444,000
Standby Letters of Credit [Member]
Contractual amounts of financial instruments with off-balance sheet risk	21,427,000	22,798,000
Unused lines of Credit [Member] | Commercial Portfolio Segment [Member]
Contractual amounts of financial instruments with off-balance sheet risk	862,725,000	776,493,000
Unused lines of Credit [Member] | One to Four Family Mortgages [Member]
Contractual amounts of financial instruments with off-balance sheet risk	60,196,000	60,858,000
Unused lines of Credit [Member] | Consumer Credit Card [Member]
Contractual amounts of financial instruments with off-balance sheet risk	63,951,000	58,199,000
Unused lines of Credit [Member] | Consumer Other Financing Receivable 1 [Member]
Contractual amounts of financial instruments with off-balance sheet risk	23,080,000	18,135,000
Loan Origination Commitments [Member]
Contractual amounts of financial instruments with off-balance sheet risk	$ 175,951,000	$ 101,961,000

Note 9 - Fair Values of Finan_3

Note 9 - Fair Values of Financial Instruments - Fair Value Hierarchy of Financial Instruments (Details) - USD ($)		Jun. 30, 2020	Dec. 31, 2019
Securities available for sale		$ 307,661,000	$ 334,655,000
Reported Value Measurement [Member]
Securities available for sale	[1]	307,661,000	334,655,000
FHLBI stock	[2]	18,002,000	18,002,000
Estimate of Fair Value Measurement [Member]
Securities available for sale	[1]	307,661,000	334,655,000
FHLBI stock	[2]	18,002,000	18,002,000
Fair Value, Inputs, Level 1 [Member]
Securities available for sale		0	0
Fair Value, Inputs, Level 1 [Member] | Reported Value Measurement [Member]
Cash		18,930,000	16,430,000
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member]
Cash		18,930,000	16,430,000
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member]
Cash equivalents		452,297,000	217,301,000
Loans held for sale		41,137,000	4,978,000
Mortgage servicing rights		5,636,000	4,652,000
Accrued interest receivable		9,290,000	9,944,000
Deposits		3,262,280,000	2,690,384,000
Repurchase agreements		167,527,000	102,675,000
FHLBI advances		394,000,000	354,000,000
Subordinated debentures		47,222,000	46,881,000
Accrued interest payable		3,011,000	3,949,000
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member]
Cash equivalents		452,297,000	217,301,000
Loans held for sale		42,806,000	4,978,000
Mortgage servicing rights		8,418,000	7,375,000
Accrued interest receivable		9,290,000	9,944,000
Deposits		3,237,888,000	2,600,452,000
Repurchase agreements		167,527,000	102,675,000
FHLBI advances		413,915,000	361,887,000
Subordinated debentures		46,172,000	46,140,000
Accrued interest payable		3,011,000	3,949,000
Fair Value, Inputs, Level 3 [Member] | Reported Value Measurement [Member]
Loans, net		3,259,673,000	2,827,800,000
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member]
Loans, net		$ 3,346,702,000	$ 2,887,168,000
[1]	See Note 10 for a description of the fair value hierarchy as well as a disclosure of levels for classes of financial assets and liabilities.
[2]	It is not practical to determine the fair value of FHLBI stock due to transferability restrictions; therefore, fair value is estimated at carrying amount.

Note 10 - Fair Values (Details

Note 10 - Fair Values (Details Textual) - USD ($)	6 Months Ended	12 Months Ended
	Jun. 30, 2020	Dec. 31, 2019
Debt Securities, Available-for-sale, Total	$ 307,661,000	$ 334,655,000
Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance, Ending Balance	$ 42,800,000	5,000,000
Real Estate Dependent Loans and Foreclosed Assets Estimated Selling Costs [Member]
Fair Value Inputs, Discount Factor	10.00%
Real Estate Dependent Loans and Foreclosed Assets [Member] | Commercial Real Estate [Member] | Minimum [Member]
Fair Value Inputs, Discount Factor	15.00%
Real Estate Dependent Loans and Foreclosed Assets [Member] | Commercial Real Estate [Member] | Maximum [Member]
Fair Value Inputs, Discount Factor	25.00%
Real Estate Dependent Loans and Foreclosed Assets [Member] | Residential Real Estate [Member] | Minimum [Member]
Fair Value Inputs, Discount Factor	25.00%
Real Estate Dependent Loans and Foreclosed Assets [Member] | Residential Real Estate [Member] | Maximum [Member]
Fair Value Inputs, Discount Factor	50.00%
Municipal General Obligation Bonds [Member]
Debt Securities, Available-for-sale, Total	$ 102,467,000	101,079,000
Fair Value, Inputs, Level 1 [Member]
Debt Securities, Available-for-sale, Total	0	0
Fair Value, Inputs, Level 3 [Member] | Municipal General Obligation Bonds [Member]
Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Settlements	1,200,000	1,700,000
Available-for-sale Securities [Member]
SEC Schedule, 12-09, Valuation Allowances and Reserves, Amount, Ending Balance	$ 0	$ 0

Note 10 - Fair Values - Assets

Note 10 - Fair Values - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($)	Jun. 30, 2020	Dec. 31, 2019
Debt Securities, Available-for-sale, Total	$ 307,661,000	$ 334,655,000
Fair Value, Inputs, Level 1 [Member]
Debt Securities, Available-for-sale, Total	0	0
US Government Agencies Debt Securities [Member]
Debt Securities, Available-for-sale, Total	162,497,000	186,410,000
Collateralized Mortgage Backed Securities [Member]
Debt Securities, Available-for-sale, Total	36,033,000	42,470,000
Municipal General Obligation Bonds [Member]
Debt Securities, Available-for-sale, Total	102,467,000	101,079,000
Municipal Revenue Bonds [Member]
Debt Securities, Available-for-sale, Total	6,164,000	4,196,000
Other Debt and Equity Securities [Member]
Debt Securities, Available-for-sale, Total	500,000	500,000
Fair Value, Recurring [Member]
Debt Securities, Available-for-sale, Total	307,661,000	334,655,000
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Debt Securities, Available-for-sale, Total	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Debt Securities, Available-for-sale, Total	306,855,000	332,605,000
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Debt Securities, Available-for-sale, Total	806,000	2,050,000
Fair Value, Recurring [Member] | US Government Agencies Debt Securities [Member]
Debt Securities, Available-for-sale, Total	162,497,000	186,410,000
Fair Value, Recurring [Member] | US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Debt Securities, Available-for-sale, Total	0	0
Fair Value, Recurring [Member] | US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Debt Securities, Available-for-sale, Total	162,497,000	186,410,000
Fair Value, Recurring [Member] | US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Debt Securities, Available-for-sale, Total	0	0
Fair Value, Recurring [Member] | Collateralized Mortgage Backed Securities [Member]
Debt Securities, Available-for-sale, Total	36,033,000	42,470,000
Fair Value, Recurring [Member] | Collateralized Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Debt Securities, Available-for-sale, Total	0	0
Fair Value, Recurring [Member] | Collateralized Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Debt Securities, Available-for-sale, Total	36,033,000	42,470,000
Fair Value, Recurring [Member] | Collateralized Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Debt Securities, Available-for-sale, Total	0	0
Fair Value, Recurring [Member] | Municipal General Obligation Bonds [Member]
Debt Securities, Available-for-sale, Total	102,467,000	101,079,000
Fair Value, Recurring [Member] | Municipal General Obligation Bonds [Member] | Fair Value, Inputs, Level 1 [Member]
Debt Securities, Available-for-sale, Total	0	0
Fair Value, Recurring [Member] | Municipal General Obligation Bonds [Member] | Fair Value, Inputs, Level 2 [Member]
Debt Securities, Available-for-sale, Total	101,661,000	99,029,000
Fair Value, Recurring [Member] | Municipal General Obligation Bonds [Member] | Fair Value, Inputs, Level 3 [Member]
Debt Securities, Available-for-sale, Total	806,000	2,050,000
Fair Value, Recurring [Member] | Municipal Revenue Bonds [Member]
Debt Securities, Available-for-sale, Total	6,164,000	4,196,000
Fair Value, Recurring [Member] | Municipal Revenue Bonds [Member] | Fair Value, Inputs, Level 1 [Member]
Debt Securities, Available-for-sale, Total	0	0
Fair Value, Recurring [Member] | Municipal Revenue Bonds [Member] | Fair Value, Inputs, Level 2 [Member]
Debt Securities, Available-for-sale, Total	6,164,000	4,196,000
Fair Value, Recurring [Member] | Municipal Revenue Bonds [Member] | Fair Value, Inputs, Level 3 [Member]
Debt Securities, Available-for-sale, Total	0	0
Fair Value, Recurring [Member] | Other Debt and Equity Securities [Member]
Debt Securities, Available-for-sale, Total	500,000	500,000
Fair Value, Recurring [Member] | Other Debt and Equity Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Debt Securities, Available-for-sale, Total	0	0
Fair Value, Recurring [Member] | Other Debt and Equity Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Debt Securities, Available-for-sale, Total	500,000	500,000
Fair Value, Recurring [Member] | Other Debt and Equity Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Debt Securities, Available-for-sale, Total	$ 0	$ 0

Note 10 - Fair Values - Asset_2

Note 10 - Fair Values - Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis (Details) - Fair Value, Nonrecurring [Member] - USD ($)	Jun. 30, 2020	Dec. 31, 2019
Impaired loans	$ 3,082,000	$ 1,107,000
Foreclosed assets	198,000	452,000
Total	3,280,000	1,559,000
Fair Value, Inputs, Level 1 [Member]
Impaired loans	0	0
Foreclosed assets	0	0
Total	0	0
Fair Value, Inputs, Level 2 [Member]
Impaired loans	0	0
Foreclosed assets	0	0
Total	0	0
Fair Value, Inputs, Level 3 [Member]
Impaired loans	3,082,000	1,107,000
Foreclosed assets	198,000	452,000
Total	$ 3,280,000	$ 1,559,000

Note 11 - Regulatory Matters (D

Note 11 - Regulatory Matters (Details Textual) - USD ($) $ / shares in Units, $ in Millions	Sep. 16, 2020	Jul. 16, 2020	Jun. 17, 2020	Apr. 16, 2020	Mar. 18, 2020	Jan. 16, 2020	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019	Mar. 31, 2020	Dec. 31, 2019	May 31, 2019	Dec. 31, 2009
Preferred Securities of Subsidiary Trust							$ 45.1		$ 45.1			$ 44.8
Maximum Restricted Core Element Allowed in Tier One Capital Percent									25.00%
Maximum Level of Consolidated Aggregate Assets Allowing for Inclusion of Trust Preferred Securities in Tier One Capital														$ 15,000
Trust Preferred Securities Included in Tier One Capital							$ 45.1		$ 45.1			$ 44.8
Capital Conservation Buffer							2.50%		2.50%
Common Equity Tier 1 Risk Based Capital Required For Capital Adequacy to Risk Weighted Assets							0.070		0.070
Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets							0.085		0.085
Capital Required for Capital Adequacy to Risk Weighted Assets							0.105		0.105
Common Stock, Dividends, Per Share, Declared (in dollars per share)		$ 0.28		$ 0.28		$ 0.28
Common Stock, Dividends, Per Share, Cash Paid (in dollars per share)			$ 0.28		$ 0.28		$ 0.28	$ 0.26	$ 0.56	$ 0.52
Stock Repurchase Program, Authorized Amount													$ 20
Stock Repurchased During Period, Shares (in shares)									222,385		1,600,000
Stock Repurchased During Period, Value									$ 6.3		$ 38.9
Treasury Stock Acquired, Average Cost Per Share (in dollars per share)									$ 28.25		$ 24.13
Stock Repurchase Program, Remaining Authorized Repurchase Amount							$ 10.1		$ 10.1
Forecast [Member]
Common Stock, Dividends, Per Share, Cash Paid (in dollars per share)	$ 0.28

Note 11 - Regulatory Matters -

Note 11 - Regulatory Matters - Actual Capital Levels and Minimum Levels (Details) $ in Thousands	Jun. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Total capital minimum required for capital adequacy, ratio	0.105
Tier 1 capital minimum required for capital adequacy, ratio	0.085
Common equity tier 1 capital minimum required for capital adequacy, ratio	0.070
Consolidated Entities [Member]
Total capital, amount	$ 444,772	$ 429,038
Total capital, ratio	0.137	0.131
Total capital minimum required for capital adequacy, amount	$ 259,076	$ 262,141
Total capital minimum required for capital adequacy, ratio	0.080	0.080
Tier 1 capital, amount	$ 412,526	$ 405,148
Tier 1 capital, ratio	0.127	0.124
Tier 1 capital minimum required for capital adequacy, amount	$ 194,307	$ 196,606
Tier 1 capital minimum required for capital adequacy, ratio	0.060	0.060
Common equity tier 1, amount	$ 367,379	$ 360,342
Common equity tier 1, ratio	0.113	0.110
Common equity tier 1 minimum required for capital adequacy, amount	$ 145,730	$ 147,454
Common equity tier 1 capital minimum required for capital adequacy, ratio	0.045	0.045
Tier 1 capital to average assets, amount	$ 412,526	$ 405,148
Tier 1 capital to average assets, ratio	0.102	0.113
Tier 1 capital to average assets, minimum required for capital adequacy, amount	$ 161,668	$ 143,689
Tier 1 capital to average assets minimum required for capital adequacy, ratio	0.040	0.040
Bank [Member]
Total capital, amount	$ 436,832	$ 424,917
Total capital, ratio	0.135	0.130
Total capital minimum required for capital adequacy, amount	$ 259,017	$ 262,088
Total capital minimum required for capital adequacy, ratio	0.080	0.080
Total capital to be well capitalized, amount	$ 323,771	$ 327,610
Total capital to be well capitalized, ratio	0.100	0.100
Tier 1 capital, amount	$ 404,587	$ 401,027
Tier 1 capital, ratio	0.125	0.122
Tier 1 capital minimum required for capital adequacy, amount	$ 194,263	$ 196,566
Tier 1 capital minimum required for capital adequacy, ratio	0.060	0.060
Tier 1 capital to be well capitalized, amount	$ 259,017	$ 262,088
Tier 1 capital to be well capitalized, ratio	0.080	0.080
Common equity tier 1, amount	$ 404,587	$ 401,027
Common equity tier 1, ratio	0.125	0.122
Common equity tier 1 minimum required for capital adequacy, amount	$ 145,697	$ 147,425
Common equity tier 1 capital minimum required for capital adequacy, ratio	0.045	0.045
Common equity tier 1 capital to be well capitalized, amount	$ 210,452	$ 212,947
Common equity tier 1 capital to be well capitalized, ratio	0.065	0.065
Tier 1 capital to average assets, amount	$ 404,587	$ 401,027
Tier 1 capital to average assets, ratio	0.100	0.112
Tier 1 capital to average assets, minimum required for capital adequacy, amount	$ 161,639	$ 143,670
Tier 1 capital to average assets minimum required for capital adequacy, ratio	0.040	0.040
Tier 1 capital to average assets to be well capitalized, amount	$ 202,048	$ 179,588
Tier 1 capital to average assets to be well capitalized, ratio	0.050	0.050