Mercantile Bank (MBWM) 10-Q 5 Aug 22 2022 Q2 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	6 Months Ended
	Jun. 30, 2022	Jul. 29, 2022
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	2022
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Jun. 30, 2022
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		15,861,082

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Jun. 30, 2022	Dec. 31, 2021
ASSETS
Cash and due from banks	$ 89,167,000	$ 59,405,000
Interest-earning deposits	389,938,000	915,755,000
Total cash and cash equivalents	479,105,000	975,160,000
Securities available for sale	603,638,000	592,743,000
Federal Home Loan Bank stock	17,721,000	18,002,000
Mortgage loans held for sale	12,964,000	16,117,000
Loans	3,723,800,000	3,453,459,000
Allowance for credit losses	(35,974,000)	(35,363,000)
Loans, net	3,687,826,000	3,418,096,000
Premises and equipment, net	51,402,000	57,298,000
Bank owned life insurance	75,664,000	75,242,000
Goodwill	49,473,000	49,473,000
Core deposit intangible, net	900,000	1,351,000
Other assets	79,862,000	54,267,000
Total assets	5,058,555,000	5,257,749,000
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest-bearing	1,740,432,000	1,677,952,000
Interest-bearing	2,133,461,000	2,405,241,000
Total deposits	3,873,893,000	4,083,193,000
Securities sold under agreements to repurchase	203,339,000	197,463,000
Federal Home Loan Bank advances	362,263,000	374,000,000
Subordinated debentures	48,585,000	48,244,000
Subordinated notes	88,457,000	73,646,000
Accrued interest and other liabilities	53,035,000	24,644,000
Total liabilities	4,629,572,000	4,801,190,000
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; 15,861,055 shares issued and outstanding at June 30, 2022 and 15,839,944 shares issued and outstanding at December 31, 2021	288,199,000	285,752,000
Retained earnings	188,452,000	174,536,000
Accumulated other comprehensive gain/(loss)	(47,668,000)	(3,729,000)
Total shareholders’ equity	428,983,000	456,559,000
Total liabilities and shareholders’ equity	$ 5,058,555,000	$ 5,257,749,000

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - $ / shares $ / shares in Thousands	Jun. 30, 2022	Dec. 31, 2021
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 outstanding (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)	15,861,055	15,389,944

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Interest income
Loans, including fees	$ 36,003,000	$ 33,789,000	$ 69,254,000	$ 66,774,000
Securities, taxable	1,898,000	1,204,000	3,563,000	2,239,000
Securities, tax-exempt	631,000	598,000	1,231,000	1,195,000
Other interest-earning assets	1,018,000	183,000	1,384,000	351,000
Total interest income	39,550,000	35,774,000	75,432,000	70,559,000
Interest expense
Deposits	1,873,000	2,346,000	3,698,000	5,063,000
Short-term borrowings	49,000	40,000	99,000	76,000
Federal Home Loan Bank advances	1,911,000	2,050,000	3,774,000	4,077,000
Subordinated debt and other borrowings	1,391,000	467,000	2,650,000	939,000
Total interest expense	5,224,000	4,903,000	10,221,000	10,155,000
Net interest income	34,326,000	30,871,000	65,211,000	60,404,000
Provision for credit losses	500,000	(3,100,000)	600,000	(2,800,000)
Net interest income after provision for credit losses	33,826,000	33,971,000	64,611,000	63,204,000
Noninterest income:
Mortgage banking income	1,947,000	7,695,000	5,228,000	16,495,000
Interest rate swap fees	430,000	1,495,000	1,781,000	2,148,000
Payroll services income	464,000	405,000	1,102,000	962,000
Earnings on bank owned life insurance	785,000	297,000	1,072,000	574,000
Gain on sale of branch	0	1,058,000	0	1,058,000
Other income	486,000	477,000	910,000	821,000
Total noninterest income	7,741,000	14,556,000	17,018,000	28,019,000
Noninterest expense
Salaries and benefits	15,676,000	16,194,000	31,186,000	31,279,000
Occupancy	2,084,000	1,977,000	4,168,000	3,991,000
Furniture and equipment depreciation, rent and maintenance	935,000	902,000	1,869,000	1,791,000
Data processing costs	3,091,000	2,775,000	6,064,000	5,392,000
Charitable foundation contribution	500,000	0	506,000	0
Other expense	4,656,000	4,344,000	8,891,000	8,856,000
Total noninterest expenses	26,942,000	26,192,000	52,684,000	51,309,000
Income before federal income tax expense	14,625,000	22,335,000	28,945,000	39,914,000
Federal income tax expense	2,888,000	4,244,000	5,716,000	7,583,000
Net income	$ 11,737,000	$ 18,091,000	$ 23,229,000	$ 32,331,000
Basic earnings per share (in dollars per share)	$ 0.74	$ 1.12	$ 1.47	$ 2
Diluted earnings per share (in dollars per share)	0.74	1.12	1.47	2
Cash dividends per share (in dollars per share)	$ 0.31	$ 0.29	$ 0.62	$ 0.58
Average basic shares outstanding (in shares)	15,848,681	16,116,070	15,844,763	16,199,096
Average diluted shares outstanding (in shares)	15,848,681	16,116,666	15,844,763	16,199,620
Service Charges on Deposit and Sweep Accounts [Member]
Noninterest income:
Noninterest revenue	$ 1,495,000	$ 1,209,000	$ 2,910,000	$ 2,363,000
Credit and Debit Card [Member]
Noninterest income:
Noninterest revenue	$ 2,134,000	$ 1,920,000	$ 4,015,000	$ 3,598,000

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Net income	$ 11,737,000	$ 18,091,000	$ 23,229,000	$ 32,331,000
Other comprehensive income/(loss):
Unrealized holding gains/(losses) on securities available for sale	(19,969,000)	4,130,000	(55,619,000)	(5,038,000)
Tax effect of unrealized holding gains/(losses) on securities available for sale	4,193,000	(867,000)	11,680,000	1,058,000
Other comprehensive income/(loss), net of tax	(15,776,000)	3,263,000	(43,939,000)	(3,980,000)
Comprehensive income/(loss)	$ (4,039,000)	$ 21,354,000	$ (20,710,000)	$ 28,351,000

Consolidated Statements of Chan

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) - USD ($)	Cumulative Effect, Period of Adoption, Adjustment [Member] Retained Earnings [Member]	Cumulative Effect, Period of Adoption, Adjustment [Member]	Preferred Stock [Member]	Common Stock Including Additional Paid in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balances at Dec. 31, 2020			$ 0	$ 302,029,000	$ 134,039,000	$ 5,486,000	$ 441,554,000
Employee stock purchase plan				22,000			22,000
Dividend reinvestment plan				411,000			411,000
Stock grants to directors for retainer fees				344,000			344,000
Stock-based compensation expense				1,277,000			1,277,000
Cash dividends					(9,220,000)		(9,220,000)
Net income					32,331,000		32,331,000
Change in net unrealized holding gain/(loss) on securities available for sale, net of tax effect						(3,980,000)	(3,980,000)
Share repurchase program				(10,851,000)			(10,851,000)
Balances at Jun. 30, 2021			0	293,232,000	157,150,000	1,506,000	451,888,000
Balances at Mar. 31, 2021			0	299,358,000	143,642,000	(1,757,000)	441,243,000
Employee stock purchase plan				11,000			11,000
Dividend reinvestment plan				198,000			198,000
Stock grants to directors for retainer fees				344,000			344,000
Stock-based compensation expense				634,000			634,000
Cash dividends					(4,583,000)		(4,583,000)
Net income					18,091,000		18,091,000
Change in net unrealized holding gain/(loss) on securities available for sale, net of tax effect						3,263,000	3,263,000
Share repurchase program				(7,313,000)			(7,313,000)
Balances at Jun. 30, 2021			0	293,232,000	157,150,000	1,506,000	451,888,000
Balances (Accounting Standards Update 2016-13 [Member]) at Dec. 31, 2021	$ 316,000	$ 316,000
Balances at Dec. 31, 2021			0	285,752,000	174,536,000	(3,729,000)	456,559,000
Employee stock purchase plan				21,000			21,000
Dividend reinvestment plan				435,000			435,000
Stock grants to directors for retainer fees				347,000			347,000
Stock-based compensation expense				1,608,000			1,608,000
Cash dividends					(9,629,000)		(9,629,000)
Net income					23,229,000		23,229,000
Change in net unrealized holding gain/(loss) on securities available for sale, net of tax effect						(43,939,000)	(43,939,000)
Stock option exercises				36,000			36,000
Balances at Jun. 30, 2022			0	288,199,000	188,452,000	(47,668,000)	428,983,000
Balances at Mar. 31, 2022			0	286,831,000	181,532,000	(31,892,000)	436,471,000
Employee stock purchase plan				11,000			11,000
Dividend reinvestment plan				213,000			213,000
Stock grants to directors for retainer fees				347,000			347,000
Stock-based compensation expense				797,000			797,000
Cash dividends					(4,817,000)		(4,817,000)
Net income					11,737,000		11,737,000
Change in net unrealized holding gain/(loss) on securities available for sale, net of tax effect						(15,776,000)	(15,776,000)
Balances at Jun. 30, 2022			$ 0	$ 288,199,000	$ 188,452,000	$ (47,668,000)	$ 428,983,000

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Shareholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Employee stock purchase plan (in shares)	336	371	617	702
Dividend reinvestment plan (in shares)	6,835	6,263	12,670	12,910
Stock grants to directors (in shares)	10,837	10,489	10,837	10,489
Cash dividends per common share (in dollars per share)	$ 0.31	$ 0.29	$ 0.62	$ 0.58
Stock option exercises (in shares)			1,355
Share repurchase program (in shares)		228,649		346,910

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($)	6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021
Cash flows from operating activities
Net income	$ 23,229,000	$ 32,331,000
Adjustments to reconcile net income to net cash from operating activities
Depreciation and amortization	6,692,000	6,755,000
Accretion of acquired loans	0	(68,000)
Provision for credit losses	600,000	(2,800,000)
Stock-based compensation expense	1,608,000	1,277,000
Stock grants to directors for retainer fee	347,000	344,000
Proceeds from sales of mortgage loans held for sale	135,521,000	352,740,000
Origination of mortgage loans held for sale	(127,413,000)	(340,680,000)
Net gain from sales of mortgage loans held for sale	(4,955,000)	(16,892,000)
Net gain from sales and valuation write-downs of foreclosed assets	(20,000)	(81,000)
Net loss from sales and valuation write-downs of former bank premises	0	245,000
Net loss from sales and write-downs of fixed assets	391,000	246,000
Earnings on bank owned life insurance	(1,072,000)	(574,000)
Gain on sale of branch	0	(1,058,000)
Net change in:
Accrued interest receivable	(1,573,000)	1,188,000
Other assets	(11,749,000)	(9,099,000)
Accrued interest payable and other liabilities	28,391,000	(1,695,000)
Net cash from operating activities	49,997,000	22,179,000
Cash flows from investing activities
Loan originations and payments, net	(269,930,000)	(64,298,000)
Purchases of securities available for sale	(78,640,000)	(168,906,000)
Proceeds from maturities, calls and repayments of securities available for sale	11,641,000	44,525,000
Proceeds from sales of foreclosed assets	20,000	158,000
Proceeds from sales of former bank premises	0	5,000
Proceeds from Federal Home Loan Bank stock redemption	281,000	0
Proceeds from bank owned life insurance death benefits claim	628,000	0
Net cash transferred in branch sale	0	(2,679,000)
Net purchases of premises and equipment and lease activity	(399,000)	(3,555,000)
Net cash for investing activities	(336,399,000)	(194,750,000)
Cash flows from financing activities
Net decrease in time deposits	(77,992,000)	(92,581,000)
Net (decrease) increase in all other deposits	(131,308,000)	366,943,000
Net increase in securities sold under agreements to repurchase	5,876,000	51,372,000
Maturities of Federal Home Loan Bank advances	(40,000,000)	0
Proceeds from Federal Home Loan Bank advances	28,263,000	0
Net proceeds from subordinated notes issuance	14,645,000	0
Proceeds from stock option exercises, net of cashless exercises	36,000	0
Employee stock purchase plan	21,000	22,000
Dividend reinvestment plan	435,000	411,000
Repurchases of common stock shares	0	(10,851,000)
Payment of cash dividends to common shareholders	(9,629,000)	(9,220,000)
Net cash (for) from financing activities	(209,653,000)	306,096,000
Net change in cash and cash equivalents	(496,055,000)	133,525,000
Cash and cash equivalents at beginning of period	975,160,000	626,006,000
Cash and cash equivalents at end of period	479,105,000	759,531,000
Supplemental disclosures of cash flows information
Interest	8,780,000	10,583,000
Federal income tax	5,200,000	12,150,000
Noncash financing and investing activities:
Transfers from premises and equipment to other assets	2,847,000	0
Transfers from loans to foreclosed assets	$ 0	$ 30,000

Note 1 - Significant Accounting

Note 1 - Significant Accounting Policies	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Significant Accounting Policies [Text Block]	1. SIGNIFICANT ACCOUNTING POLICIES Basis of Presentation six June 30, 2022 10 303 not not June 30, 2022 not 10 December 31, 2021. 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 Coronavirus Pandemic 2019 19” 2 19 The Coronavirus Pandemic is a highly unusual, unprecedented and evolving public health and economic crisis and may may may The following section summarizes the primary measures that directly impact us and our customers. ● Paycheck Protection Program The Paycheck Protection Program (“PPP”) reflects a substantial expansion of the Small Business Administration’s 100% 7 $350 500 100% 100% 1.00%, August 8, 2020. June 30, 2022, first six 2022. The Consolidated Appropriations Act, 2021 $284 May 31, 2021. June 30, 2022, first six 2022 ● Individual Economic Impact Payments The Internal Revenue Service has made three $1,200 April 2020, $600 January 2021 $1,400 March 2021. ● Troubled Debt Restructuring Relief From March 1, 2020 60 December 31, 2020 may 19 2021 January 1, 2022. ● Current Expected Credit Loss ( “ CECL ” ) Methodology Delay Financial institutions were not December 31, 2020. 2021 January 1, 2022. January 1, 2022. Earnings Per Share Approximately 325,000 unvested restricted shares were included in determining both basic and diluted earnings per share for the three six June 30, 2022. three six June 30, 2022. not three six June 30, 2022. Approximately 262,000 unvested restricted shares were included in determining both basic and diluted earnings per share for the three six June 30, 2021. three six June 30, 2021. not three six June 30, 2021. Securities June 30, 2022 December 31, 2021, 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. For available for sale debt securities in an unrealized loss position, we first not not not Changes in the allowance for credit losses are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the allowance when we believe the uncollectibility of an available for sale security is confirmed or when either of the criteria regarding intent or requirement to sell is met. At June 30, 2022, no June 30, 2022 not 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, 2022 December 31, 2021, 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 mortgage loan at the same time we make an interest rate commitment to the borrower. These mortgage banking activities are not June 30, 2022 December 31, 2021, Allowance for Credit Losses ( “ Allowance ” ) June 2016, No. 2016 13, Measurement of Credit Losses on Financial Instruments 2018 19 not December 15, 2019. Financial institutions were not December 31, 2020. 2021, December 2020, January 1, 2022. no January 1, 2022, December 31, 2021. We adopted CECL effective January 1, 2022 January 1, 2022 Accrued interest receivable for loans is included in other assets on our Consolidated Balance Sheet. We elected not 90 The allowance is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Loans are charged-off against the allowance when we believe the uncollectibility of a loan balance is confirmed. The allowance is measured on a collective pool basis when similar risk characteristics exist. Loans with similar risk characteristics are grouped into homogenous segments, or pools, for analysis. Commercial loans are divided among five one two not. Our loan portfolio segments as of June 30, 2022 o Commercial Loans ■ Commercial and Industrial ■ Owner Occupied Commercial Real Estate ■ Non-Owner Occupied Commercial Real Estate ■ Multi-Family and Residential Rental ■ Vacant Land, Land Development and Residential Construction o Retail Loans ■ 1 4 ■ Other Consumer Loans The “remaining life methodology” is utilized for substantially all loan pools. This non-discounted cash flow approach projects an estimated future amortized cost basis based on current loan balance and repayment terms. Our historical loss rate is then applied to future loan balances at the instrument level based on remaining contractual life adjusted for amortization, prepayment and default to develop a baseline lifetime loss. The baseline lifetime loss is adjusted for changes in macroeconomic conditions over the reasonable and supportable forecast and reversion periods via a series of macroeconomic forecast inputs, such as gross domestic product, unemployment rates, interest rates, credit spreads, stock market volatility and property price indices, to quantify the impact of current and forecasted economic conditions on expected loan performance. We use migration to determine historical loss rates for commercial loans given the comprehensive loan grading process employed by the bank for over two January 1, 2011 Reasonable and supportable economic forecasts have to be incorporated in determining expected credit losses. The forecast period represents the time frame from the current period end through the point in time that we can reasonably forecast and support entity and environmental factors that are expected to impact the performance of our loan portfolio. Ideally, the economic forecast period would encompass the contractual terms of all loans; however, the ability to produce a forecast that is considered reasonable and supportable becomes more difficult or may not June 30, 2022, one six We are not third June 30, 2022 not March 31, 2022 During each reporting period, we also consider the need to adjust historical loss information to reflect the extent to which we expect current conditions and reasonable and supportable economic forecasts to differ from the conditions that existed for the period over which the historical loss information was determined. These qualitative adjustments may Traditional qualitative factors include: o Changes in lending policies and procedures o Changes in the nature and volume of the loan portfolio and in the terms of loans o Changes in the experience, ability and depth of lending management and other relevant staff o Changes in the volume and severity of past due loans, nonaccrual loans and adversely classified loans o Changes in the quality of the loan review program o Changes in the value of underlying collateral dependent loans o Existence and effect of any concentrations of credit and any changes in such o Effect of other factors such as competition and legal and regulatory requirements on the level of estimated credit losses The estimation of future credit losses should reflect consideration of all significant factors that affect the collectibility of the loan portfolio at each evaluation date. While our methodology considers both the historical loss rates as well as the traditional qualitative factors, there may As of June 30, 2022, two o The Coronavirus Pandemic Factor was established effective June 30, 2020 o The Historical Loss Information Factor was established effective January 1, 2022 Expected credit losses are estimated over the contractual terms of the loans, adjusted for expected prepayments when appropriate. The contractual term generally excludes potential extensions, renewals and modifications. We are also required to consider expected credit losses associated with loan commitments over the contractual period in which we are exposed to credit risk on the underlying commitments unless the obligation is unconditionally cancellable by us. Any allowance for off-balance sheet credit exposures is reported as an other liability on our Consolidated Balance Sheet and is increased or decreased via the provision for credit losses account on our Consolidated Statement of Income. The calculation includes consideration of the likelihood that funding will occur and forecasted credit losses on commitments expected to be funded over their estimated lives. The allowance is calculated using the same aggregate reserve rates calculated for the funded portion of loans at the portfolio level applied to the amount of commitments expected to be funded. The credit loss provisions recorded during the second first six 2022 The required reserve allocations resulting from these factors were largely offset by the positive impact of a change in the Covid- 19 19 19 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. Certain loans modified as troubled debt restructurings may two The federal banking agencies issued an “ Interagency Statement on Loan Modifications and Reporting 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 March 13, 2020 ( December 31, 2020, not 2020, January 1, 2022. 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 derivatives as 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 no June 30, 2022 December 31, 2021. Goodwill and Core Deposit Intangible may not may not not 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 We generally satisfy our performance obligations on contracts with customers as services are rendered, and the transaction prices are typically fixed and charged either on a periodic basis (generally monthly) or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, there is little judgment involved in applying Topic 606 The following table depicts our sources of noninterest income that are scoped within Topic 606: Three Months Ended June 30, 2022 Three Months Ended June 30, 2021 Six Months Ended June 30, 2022 Six Months Ended June 30, 2021 Service charges on deposit and sweep accounts $ 1,495,000 $ 1,209,000 $ 2,910,000 $ 2,363,000 Credit and debit card fees 2,134,000 1,920,000 4,015,000 3,598,000 Payroll processing 464,000 405,000 1,102,000 962,000 Customer service fees 202,000 186,000 444,000 409,000 Service Charges on Deposit and Sweep Accounts: Credit and Debit Card Fees: Payroll Processing Fees: Customer Service Fees: Newly Issued Not No. 2022 02 Financial Instruments Credit Losses (Topic 326 310 40, December 15, 2022. not

Note 2 - Securities

Note 2 - Securities	6 Months Ended
	Jun. 30, 2022
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, 2022 U.S. Government agency debt obligations $ 453,512,000 $ 0 $ (46,177,000 ) $ 407,335,000 Mortgage-backed securities 40,676,000 56,000 (4,368,000 ) 36,364,000 Municipal general obligation bonds 145,002,000 190,000 (7,519,000 ) 137,673,000 Municipal revenue bonds 24,287,000 18,000 (2,539,000 ) 21,766,000 Other investments 500,000 0 0 500,000 $ 663,977,000 $ 264,000 $ (60,603,000 ) $ 603,638,000 December 31, 2021 U.S. Government agency debt obligations $ 398,874,000 $ 266,000 $ (8,769,000 ) $ 390,371,000 Mortgage-backed securities 41,906,000 549,000 (652,000 ) 41,803,000 Municipal general obligation bonds 133,894,000 4,092,000 (392,000 ) 137,594,000 Municipal revenue bonds 22,289,000 331,000 (145,000 ) 22,475,000 Other investments 500,000 0 0 500,000 $ 597,463,000 $ 5,238,000 $ (9,958,000 ) $ 592,743,000 Securities with unrealized losses at June 30, 2022 December 31, 2021, Less than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss June 30, 2022 U.S. Government agency debt obligations $ 176,893,000 $ 17,028,000 $ 230,442,000 $ 29,149,000 $ 407,335,000 $ 46,177,000 Mortgage-backed securities 23,935,000 2,259,000 11,372,000 2,109,000 35,307,000 4,368,000 Municipal general obligation bonds 90,305,000 5,551,000 16,284,000 1,968,000 106,589,000 7,519,000 Municipal revenue bonds 12,823,000 1,454,000 7,088,000 1,085,000 19,911,000 2,539,000 $ 303,956,000 $ 26,292,000 $ 265,186,000 $ 34,311,000 $ 569,142,000 $ 60,603,000 Less than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss December 31, 2021 U.S. Government agency debt obligations $ 274,287,000 $ 5,274,000 $ 110,053,000 $ 3,495,000 $ 384,340,000 $ 8,769,000 Mortgage-backed securities 23,184,000 652,000 24,000 0 23,208,000 652,000 Municipal general obligation bonds 40,748,000 392,000 0 0 40,748,000 392,000 Municipal revenue bonds 12,843,000 137,000 414,000 8,000 13,257,000 145,000 $ 351,062,000 $ 6,455,000 $ 110,491,000 $ 3,503,000 $ 461,553,000 $ 9,958,000 We evaluate securities in an unrealized loss position at least quarterly. Consideration is given to 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 debt 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, 2022, December 31, 2021, not not not The amortized cost and fair value of debt securities at June 30, 2022, may may not Weighted Average Yield Amortized Cost Fair Value Due in 2022 1.35 % $ 3,750,000 $ 3,738,000 Due in 2023 through 2027 1.14 266,931,000 250,890,000 Due in 2028 through 2032 1.84 311,780,000 277,595,000 Due in 2033 and beyond 2.33 40,340,000 34,551,000 Mortgage-backed securities 2.04 40,676,000 36,364,000 Other investments 3.88 500,000 500,000 Total available for sale securities 1.60 % $ 663,977,000 $ 603,638,000 Securities issued by the State of Michigan and all its political subdivisions had combined amortized costs of $169 million and $155 million at June 30, 2022 December 31, 2021, June 30, 2022 December 31, 2021, not 10% The carrying value of U.S. Government agency debt obligations and mortgage-backed securities that are pledged to secure repurchase agreements was $203 million and $197 million at June 30, 2022 December 31, 2021, may

Note 3 - Loans and Allowance fo

Note 3 - Loans and Allowance for Credit Losses	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	3. LOANS AND ALLOWANCE FOR CREDIT 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, 2022 December 31, 2021, June 30, 2022 December 31, 2021, 2021 second 2022, Percent June 30, 2022 December 31, 2021 Increase Balance % Balance % (Decrease) Commercial: Commercial and industrial (1) $ 1,187,650,000 31.9 % $ 1,137,419,000 32.9 % 4.4 % Vacant land, land development, and residential construction 57,808,000 1.6 43,239,000 1.3 33.7 Real estate – owner occupied 598,593,000 16.1 565,758,000 16.4 5.8 Real estate – non-owner occupied 1,003,118,000 26.9 1,027,415,000 29.7 (2.4 ) Real estate – multi-family and residential rental 224,591,000 6.0 176,593,000 5.1 27.2 Total commercial 3,071,760,000 82.5 2,950,424,000 85.4 4.1 Retail: 1-4 family mortgages 623,599,000 16.7 442,547,000 12.8 40.9 Other consumer loans (2) 28,441,000 0.8 60,488,000 1.8 (53.0 ) Total retail 652,040,000 17.5 503,035,000 14.6 29.6 Total loans $ 3,723,800,000 100.0 % $ 3,453,459,000 100.0 % 7.8 % ( 1 For June 30, 2022, December 31, 2021, ( 2 In conjunction with the adoption of the CECL methodology effective January 1, 2022, 1 4 June 30, 2022 December 31, 2021, Nonperforming loans as of June 30, 2022 December 31, 2021 June 30, 2022 December 31, 2021 Loans past due 90 days or more still accruing interest $ 0 $ 155,000 Nonaccrual loans 1,787,000 2,313,000 Total nonperforming loans $ 1,787,000 $ 2,468,000 The recorded principal balance of nonperforming loans was as follows: June 30, 2022 December 31, 2021 Commercial: Commercial and industrial $ 248,000 $ 663,000 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 248,000 663,000 Retail: 1-4 family mortgages 1,538,000 1,686,000 Other consumer loans 1,000 119,000 Total retail 1,539,000 1,805,000 Total nonperforming loans $ 1,787,000 $ 2,468,000 An age analysis of past due loans is as follows as of June 30, 2022: 30 – 59 Days Past Due 60 – 89 Days Past Due Greater Than 89 Days Past Due Total Past Due Current Total Loans Recorded Balance Days and Accruing Commercial: Commercial and industrial $ 0 $ 0 $ 0 $ 0 $ 1,187,650,000 $ 1,187,650,000 $ 0 Vacant land, land development, and residential construction 0 0 0 0 57,808,000 57,808,000 0 Real estate – owner occupied 0 0 0 0 598,593,000 598,593,000 0 Real estate – non-owner occupied 0 0 0 0 1,003,118,000 1,003,118,000 0 Real estate – multi-family and residential rental 0 0 0 0 224,591,000 224,591,000 0 Total commercial 0 0 0 0 3,071,760,000 3,071,760,000 0 Retail: 1-4 family mortgages 102,000 107,000 207,000 416,000 623,183,000 623,599,000 0 Other consumer loans 3,000 0 0 3,000 28,438,000 28,441,000 0 Total retail 105,000 107,000 207,000 419,000 651,621,000 652,040,000 0 Total past due loans $ 105,000 $ 107,000 $ 207,000 $ 419,000 $ 3,723,381,000 $ 3,723,800,000 $ 0 An age analysis of past due loans is as follows as of December 31, 2021: 30 – 59 Days Past Due 60 – 89 Days Past Due Greater Than 89 Days Past Due Total Past Due Current Total Loans Recorded Balance Days and Accruing Commercial: Commercial and industrial $ 14,000 $ 0 $ 193,000 $ 207,000 $ 1,137,212,000 $ 1,137,419,000 $ 155,000 Vacant land, land development, and residential construction 13,000 0 0 13,000 43,226,000 43,239,000 0 Real estate – owner occupied 0 0 0 0 565,758,000 565,758,000 0 Real estate – non-owner occupied 0 0 0 0 1,027,415,000 1,027,415,000 0 Real estate – multi-family and residential rental 0 0 0 0 176,593,000 176,593,000 0 Total commercial 27,000 0 193,000 220,000 2,950,204,000 2,950,424,000 155,000 Retail: Home equity and other 132,000 2,000 20,000 154,000 60,334,000 60,488,000 0 1-4 family mortgages 1,265,000 241,000 82,000 1,588,000 440,959,000 442,547,000 0 Total retail 1,397,000 243,000 102,000 1,742,000 501,293,000 503,035,000 0 Total past due loans $ 1,424,000 $ 243,000 $ 295,000 $ 1,962,000 $ 3,451,497,000 $ 3,453,459,000 $ 155,000 Nonaccrual loans as of June 30, 2022 Recorded Principal Related Balance Allowance With no allowance recorded: Commercial: Commercial and industrial $ 248,000 $ 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 248,000 0 Retail: 1-4 family mortgages 1,000 0 Other consumer loans 1,454,000 0 Total retail 1,455,000 0 Total with no allowance recorded $ 1,703,000 $ 0 With an allowance recorded: 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: 1-4 family mortgages 84,000 48,000 Other consumer loans 0 0 Total retail 84,000 48,000 Total with an allowance recorded $ 84,000 $ 48,000 Total nonaccrual loans: Commercial $ 248,000 $ 0 Retail 1,539,000 48,000 Total nonaccrual loans $ 1,787,000 $ 48,000 Collateral dependent loans are loans for which the repayment is expected to be provided substantially through the operation or sale of the collateral and the borrower is experiencing financial difficulty. Identified problem loans, which exhibit characteristics (financial or otherwise) that could cause the loans to become nonperforming or require restructuring in the future, are included on an internal watch list. Senior management and the Board of Directors review this list regularly. Market value estimates of collateral on nonaccrual loans, as well as on foreclosed and repossessed assets, are reviewed periodically. We also have a process in place to monitor whether value estimates at each quarter-end are reflective of current market conditions. Our credit policies establish criteria for obtaining appraisals and determining internal value estimates. We may may no Nonaccrual commercial loans totaled $0.3 million as of June 30, 2022, $0.1 June 30, 2022. No second first six 2022. second first six 2022, Impaired loans as of December 31, 2021, three six June 30, 2021, Unpaid Contractual Principal Balance Recorded Principal Balance Related Allowance Second Average Recorded Principal Balance Year-To- Average Recorded Principal Balance With no related allowance recorded Commercial: Commercial and industrial $ 2,893,000 $ 2,818,000 $ 3,129,000 $ 4,167,000 Vacant land, land development and residential construction 0 0 0 0 Real estate – owner occupied 9,674,000 9,674,000 13,114,000 13,607,000 Real estate – non-owner occupied 0 0 156,000 218,000 Real estate – multi-family and residential rental 91,000 91,000 0 0 Total commercial 12,658,000 12,583,000 16,399,000 17,992,000 Retail: Home equity and other 1,173,000 1,107,000 1,088,000 1,054,000 1-4 family mortgages 3,166,000 2,025,000 2,376,000 2,442,000 Total retail 4,339,000 3,132,000 3,464,000 3,496,000 Total with no related allowance recorded $ 16,997,000 $ 15,715,000 $ 19,863,000 $ 21,488,000 Unpaid Contractual Principal Balance Recorded Principal Balance Related Allowance Second Average Recorded Principal Balance Year-To- Average Recorded Principal Balance With an allowance recorded Commercial: Commercial and industrial $ 2,192,000 $ 2,192,000 $ 266,000 $ 1,661,000 $ 1,222,000 Vacant land, land development and residential construction 0 0 0 0 0 Real estate – owner occupied 761,000 761,000 84,000 872,000 826,000 Real estate – non-owner occupied 146,000 146,000 4,000 156,000 158,000 Real estate – multi-family and residential rental 0 0 0 0 0 Total commercial 3,099,000 3,099,000 354,000 2,689,000 2,206,000 Retail: Home equity and other 160,000 140,000 123,000 242,000 256,000 1-4 family mortgages 412,000 412,000 69,000 581,000 620,000 Total retail 572,000 552,000 192,000 823,000 876,000 Total with an allowance recorded $ 3,671,000 $ 3,651,000 $ 546,000 $ 3,512,000 $ 3,082,000 Total impaired loans: Commercial $ 15,757,000 $ 15,682,000 $ 354,000 $ 19,088,000 $ 20,198,000 Retail 4,911,000 3,684,000 192,000 4,287,000 4,372,000 Total impaired loans $ 20,668,000 $ 19,366,000 $ 546,000 $ 23,375,000 $ 24,570,000 Impaired commercial loans for which no no second first six 2021, second first six 2021. second first six 2021, Credit Quality Indicators. ten Credit quality indicators were as follows as of June 30, 2022: Commercial credit exposure – credit risk profiled by internal credit risk grades: Commercial and Industrial Commercial Vacant Land, Land and Residential Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family Rental Internal credit risk grade groupings: Grades 1 – 4 (1) $ 726,012,000 $ 40,317,000 $ 363,381,000 $ 508,666,000 $ 136,632,000 Grades 5 – 7 454,518,000 17,379,000 234,999,000 481,799,000 87,816,000 Grades 8 – 9 7,120,000 112,000 213,000 12,653,000 143,000 Total commercial $ 1,187,650,000 $ 57,808,000 $ 598,593,000 $ 1,003,118,000 $ 224,591,000 Retail credit exposure – credit risk profiled by collateral type: Other Consumer Loans Retail 1-4 Family Mortgages Performing $ 28,440,000 $ 622,061,000 Nonperforming 1,000 1,538,000 Total retail $ 28,441,000 $ 623,599,000 ( 1 Included in Commercial and Industrial Loans Grades 1 4 Credit quality indicators were as follows as of December 31, 2021: Commercial credit exposure – credit risk profiled by internal credit risk grades: Commercial and Industrial Commercial Vacant Land, Land and 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) $ 729,224,000 $ 28,390,000 $ 346,082,000 $ 503,482,000 $ 119,473,000 Grades 5 – 7 398,378,000 14,730,000 208,060,000 511,280,000 56,968,000 Grades 8 – 9 9,817,000 119,000 11,616,000 12,653,000 152,000 Total commercial $ 1,137,419,000 $ 43,239,000 $ 565,758,000 $ 1,027,415,000 $ 176,593,000 Retail credit exposure – credit risk profiled by collateral type: Retail Home Equity and Other Retail 1-4 Family Mortgages Performing $ 60,369,000 $ 440,861,000 Nonperforming 119,000 1,686,000 Total retail $ 60,488,000 $ 442,547,000 ( 1 Included in Commercial and Industrial Loans Grades 1 4 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. The following table reflects loan balances as of June 30, 2022 2022 2021 2020 2019 2018 Prior Term Total Revolving Loans Grand Total Commercial: Commercial and Industrial: Grades 1 – 4 $ 73,547 $ 183,393 $ 54,533 $ 13,863 $ 3,792 $ 10,932 $ 340,060 $ 385,952 $ 726,012 Grades 5 – 7 122,198 68,241 62,274 9,459 2,074 600 264,846 189,672 454,518 Grades 8 – 9 3,849 249 0 0 55 47 4,200 2,920 7,120 Total $ 199,594 $ 251,883 $ 116,807 $ 23,322 $ 5,921 $ 11,579 $ 609,106 $ 578,544 $ 1,187,650 Vacant Land, Land Development and Residential Construction: Grades 1 – 4 $ 17,011 $ 19,004 $ 3,660 $ 0 $ 0 $ 354 $ 40,029 $ 288 $ 40,317 Grades 5 – 7 5,248 10,652 572 55 0 794 17,321 58 17,379 Grades 8 – 9 0 0 0 0 16 96 112 0 112 Total $ 22,259 $ 29,656 $ 4,232 $ 55 $ 16 $ 1,244 $ 57,462 $ 346 $ 57,808 Real Estate – Owner Occupied: Grades 1 – 4 $ 81,554 $ 175,628 $ 63,568 $ 20,865 $ 10,866 $ 10,900 $ 363,381 $ 0 $ 363,381 Grades 5 – 7 88,415 64,394 40,122 11,405 23,771 6,892 234,999 0 234,999 Grades 8 – 9 0 0 47 0 166 0 213 0 213 Total $ 169,969 $ 240,022 $ 103,737 $ 32,270 $ 34,803 $ 17,792 $ 598,593 $ 0 $ 598,593 Real Estate – Non-Owner Occupied: Grades 1 – 4 $ 64,529 $ 193,494 $ 144,040 $ 78,997 $ 10,428 $ 17,178 $ 508,666 $ 0 $ 508,666 Grades 5 – 7 83,053 178,420 133,404 23,436 15,620 47,866 481,799 0 481,799 Grades 8 – 9 6,849 5,804 0 0 0 0 12,653 0 12,653 Total $ 154,431 $ 377,718 $ 277,444 $ 102,433 $ 26,048 $ 65,044 $ 1,003,118 $ 0 $ 1,003,118 Real Estate – Multi-Family and Residential Rental: Grades 1 – 4 $ 26,872 $ 58,323 $ 37,867 $ 5,768 $ 3,121 $ 4,681 $ 136,632 $ 0 $ 136,632 Grades 5 – 7 38,618 26,763 13,928 3,486 3,591 1,430 87,816 0 87,816 Grades 8 – 9 88 0 0 0 0 55 143 0 143 Total $ 65,578 $ 85,086 $ 51,795 $ 9,254 $ 6,712 $ 6,166 $ 224,591 $ 0 $ 224,591 Total Commercial $ 611,831 $ 984,365 $ 554,015 $ 167,334 $ 73,500 $ 101,825 $ 2,492,870 $ 578,890 $ 3,071,760 Retail: 1-4 Family Mortgages $ 174,239 $ 240,232 $ 97,334 $ 13,962 $ 15,543 $ 49,346 $ 590,656 $ 32,943 $ 623,599 Other Consumer Loans 2,905 3,822 1,599 1,447 624 702 11,099 17,342 28,441 Total Retail $ 177,144 $ 244,054 $ 98,933 $ 15,409 $ 16,167 $ 50,048 $ 601,755 $ 50,285 $ 652,040 Grand Total $ 788,975 $ 1,228,419 $ 652,948 $ 182,743 $ 89,667 $ 151,873 $ 3,094,625 $ 629,175 $ 3,723,800 Activity in the allowance for credit losses during the three six June 30, 2022 Commercial 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 1-4 family Other Unallocated Total Allowance for credit losses: Balance at 3-31-22 $ 8,413 $ 455 $ 5,803 $ 10,322 $ 1,276 $ 8,562 $ 191 $ 131 $ 35,153 Provision for credit losses 150 (10 ) (251 ) (708 ) (8 ) 1,464 (28 ) (109 ) 500 Charge-offs 0 0 0 0 0 0 (15 ) 0 (15 ) Recoveries 45 1 26 0 6 241 17 0 336 Ending balance $ 8,608 $ 446 $ 5,578 $ 9,614 $ 1,274 $ 10,267 $ 165 $ 22 $ 35,974 Balance at 12-31-21 $ 10,782 $ 420 $ 6,045 $ 13,301 $ 1,695 $ 2,449 $ 626 $ 45 $ 35,363 Adoption of ASU 2016-13 (1,571 ) (43 ) (560 ) (2,534 ) (621 ) 5,395 (411 ) (55 ) (400 ) Provision for credit losses (592 ) 96 35 (1,153 ) 186 2,057 (61 ) 32 600 Charge-offs (171 ) (29 ) 0 0 0 (2 ) (18 ) 0 (220 ) Recoveries 160 2 58 0 14 368 29 0 631 Ending balance $ 8,608 $ 446 $ 5,578 $ 9,614 $ 1,274 $ 10,267 $ 165 $ 22 $ 35,974 Activity in the allowance for loan losses during the three six June 30, 2021 December 31, 2021 Commercial and industrial Commercial vacant Commercial real estate owner occupied Commercial real estate non-owner occupied Commercial real multi-family and Home 1 4 family Unallocated Total Allowance for loan losses: Balance at 3-31-21 $ 10,111 $ 720 $ 8,304 $ 13,751 $ 1,825 $ 841 $ 2,953 $ 190 $ 38,695 Provision for loan losses (764 ) (243 ) (696 ) (966 ) (38 ) (125 ) (263 ) (5 ) (3,100 ) Charge-offs (54 ) 0 (12 ) 0 0 (2 ) 0 0 (68 ) Recoveries 47 2 105 0 0 28 204 0 386 Ending balance $ 9,340 $ 479 $ 7,701 $ 12,785 $ 1,787 $ 742 $ 2,894 $ 185 $ 35,913 Balance at 12-31-20 $ 9,424 $ 679 $ 8,246 $ 13,611 $ 1,819 $ 889 $ 3,240 $ 59 $ 37,967 Provision for loan losses (181 ) (203 ) (877 ) (826 ) (32 ) (207 ) (600 ) 126 (2,800 ) Charge-offs (54 ) (15 ) (12 ) 0 0 (6 ) (34 ) 0 (121 ) Recoveries 151 18 344 0 0 66 288 0 867 Ending balance $ 9,340 $ 479 $ 7,701 $ 12,785 $ 1,787 $ 742 $ 2,894 $ 185 $ 35,913 Ending balance: individually evaluated for impairment $ 355 $ 0 $ 117 $ 5 $ 0 $ 207 $ 103 $ 0 $ 787 Ending balance: collectively evaluated for impairment $ 8,985 $ 479 $ 7,584 $ 12,780 $ 1,787 $ 535 $ 2,791 $ 185 $ 35,126 Total loans (*): Ending balance $ 1,097,309 $ 43,239 $ 565,758 $ 1,027,415 $ 176,593 $ 60,488 $ 442,547 $ 3,413,349 Ending balance: individually evaluated for impairment $ 5,010 $ 0 $ 10,435 $ 146 $ 91 $ 1,247 $ 2,437 $ 19,366 Ending balance: collectively evaluated for impairment $ 1,092,299 $ 43,239 $ 555,323 $ 1,027,269 $ 176,502 $ 59,241 $ 440,110 $ 3,393,983 (*) Excludes $40.1 Loans modified as troubled debt restructurings during the three June 30, 2022 Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Commercial: Commercial and industrial 2 $ 6,573,000 $ 6,573,000 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 6,573,000 6,573,000 Retail: 1-4 family mortgages 1 84,000 84,000 Other consumer loans 0 0 0 Total retail 1 84,000 84,000 Total loans 3 $ 6,657,000 $ 6,657,000 Loans modified as troubled debt restructurings during the six June 30, 2022 Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Commercial: Commercial and industrial 2 $ 6,573,000 $ 6,573,000 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 6,573,000 6,573,000 Retail: 1-4 family mortgages 3 212,000 212,000 Other consumer loans 0 0 0 Total retail 3 212,000 212,000 Total loans 5 $ 6,785,000 $ 6,785,000 Loans modified as troubled debt restructurings during the three June 30, 2021 Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Commercial: Commercial and industrial 8 $ 2,831,000 $ 2,831,000 Vacant land, land development and residential construction 0 0 0 Real estate – owner occupied 1 692,000 692,000 Real estate – non-owner occupied 0 0 0 Real estate – multi-family and residential rental 0 0 0 Total commercial 9 3,523,000 3,523,000 Retail: Home equity and other 3 414,000 412,000 1-4 family mortgages 1 10,000 10,000 Total retail 4 424,000 422,000 Total loans 13 $ 3,947,000 $ 3,945,000 Loans modified as troubled debt restructurings during the six June 30, 2021 Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Commercial: Commercial and industrial 9 $ 2,854,000 $ 2,853,000 Vacant land, land development and residential construction 0 0 0 Real estate – owner occupied 1 692,000 692,000 Real estate – non-owner occupied 0 0 0 Real estate – multi-family and residential rental 0 0 0 Total commercial 10 3,546,000 3,545,000 Retail: Home equity and other 4 485,000 482,000 1-4 family mortgages 2 46,000 46,000 Total retail 6 531,000 528,000 Total loans 16 $ 4,077,000 $ 4,073,000 The following loans, modified as troubled debt restructurings within the previous twelve 30 three June 30, 2022 ( 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, 2022 ( 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 three June 30, 2021 ( 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 1 431,000 Real estate – non-owner occupied 0 0 Real estate – multi-family and residential rental 0 0 Total commercial 1 431,000 Retail: Home equity and other 0 0 1-4 family mortgages 0 0 Total retail 0 0 Total 1 $ 431,000 The following loans, modified as troubled debt restructurings within the previous twelve 30 six June 30, 2021 ( Number of Contracts Recorded Principal Balance Commercial: Commercial and industrial 2 $ 522,000 Vacant land, land development and residential construction 0 0 Real estate – owner occupied 1 431,000 Real estate – non-owner occupied 0 0 Real estate – multi-family and residential rental 0 0 Total commercial 3 953,000 Retail: Home equity and other 0 0 1-4 family mortgages 0 0 Total retail 0 0 Total 3 $ 953,000 Activity for loans categorized as troubled debt restructurings during the three June 30, 2022 Commercial and Industrial Commercial Vacant Land, Land and Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family Rental Commercial Loan Portfolio: Beginning Balance $ 2,829,000 $ 0 $ 89,000 $ 143,000 $ 90,000 Charge-Offs 0 0 0 0 0 Payments (net) 536,000 0 (2,000 ) (4,000 ) (2,000 ) Transfers to ORE 0 0 0 0 0 Net Additions/Deletions 6,573,000 0 0 0 0 Ending Balance $ 9,938,000 $ 0 $ 87,000 $ 139,000 $ 88,000 Retail Retail 1-4 Family Other Consumer Mortgages Loans Retail Loan Portfolio: Beginning Balance $ 2,346,000 $ 13,000 Charge-Offs 0 0 Payments (net) (91,000 ) (10,000 ) Transfers to ORE 0 0 Net Additions/Deletions 84,000 0 Ending Balance $ 2,339,000 $ 3,000 Activity for loans categorized as troubled debt restructurings during the six June 30, 2022 Commercial and Industrial Commercial Vacant Land, Land and Residential Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family and Rental Commercial Loan Portfolio: Beginning Balance $ 4,973,000 $ 0 $ 10,435,000 $ 146,000 $ 91,000 Charge-Offs 0 0 0 0 0 Payments (net) 324,000 0 (9,679,000 ) (7,000 ) (3,000 ) Transfers to ORE 0 0 0 0 0 Net Additions/Deletions 4,641,000 0 (669,000 ) 0 0 Ending Balance $ 9,938,000 $ 0 $ 87,000 $ 139,000 $ 88,000 Retail Retail 1-4 Family Other Consumer Mortgages Loans Retail Loan Portfolio: Beginning Balance $ 627,000 $ 1,202,000 Charge-Offs 0 0 Payments (net) (169,000 ) (12,000 ) Transfers to ORE 0 0 Net Additions/Deletions (1) 1,881,000 (1,187,000 ) Ending Balance $ 2,339,000 $ 3,000 ( 1 Includes $1.2 million in the transfer of home equity lines of credit from other consumer loans to 1 4 January 1, 2022. Activity for loans categorized as troubled debt restructurings during the three June 30, 2021 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 $ 3,760,000 $ 0 $ 13,887,000 $ 471,000 $ 0 Charge-Offs 0 0 0 0 0 Payments (net) (845,000 ) 0 (685,000 ) (318,000 ) 0 Transfers to ORE 0 0 0 0 0 Net Additions/Deletions 2,648,000 0 686,000 0 0 Ending Balance $ 5,563,000 $ 0 $ 13,888,000 $ 153,000 $ 0 Retail Home Equity and Other Retail 1-4 Family Mortgages Retail Loan Portfolio: Beginning Balance $ 1,099,000 $ 820,000 Charge-Offs 0 0 Payments (net) (115,000 ) (131,000 ) Transfers to ORE 0 0 Net Additions/Deletions 412,000 10,000 Ending Balance $ 1,396,000 $ 699,000 Activity for loans categorized as troubled debt restructurings during the six June 30, 2021 Commercial and Industrial Commercial Vacant Land, Land and Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family Rental Commercial Loan Portfolio: Beginning Balance $ 6,414,000 $ 0 $ 14,797,000 $ 480,000 $ 0 Charge-Offs 0 0 0 0 0 Payments (net) (3,521,000 ) 0 (1,595,000 ) (327,000 ) 0 Transfers to ORE 0 0 0 0 0 Net Additions/Deletions 2,670,000 0 686,000 0 0 Ending Balance $ 5,563,000 $ 0 $ 13,888,000 $ 153,000 $ 0 Retail Home Equity and Other Retail 1-4 Family Mortgages Retail Loan Portfolio: Beginning Balance $ 1,146,000 $ 806,000 Charge-Offs 0 0 Payments (net) (232,000 ) (153,000 ) Transfers to ORE 0 0 Net Additions/Deletions 482,000 46,000 Ending Balance $ 1,396,000 $ 699,000

Note 4 - Premises and Equipment

Note 4 - Premises and Equipment, Net	6 Months Ended
	Jun. 30, 2022
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, 2022 December 31, 2021 Land and improvements $ 13,504,000 $ 15,111,000 Buildings 51,555,000 56,168,000 Furniture and equipment 22,647,000 22,974,000 87,706,000 94,253,000 Less: accumulated depreciation 36,304,000 36,955,000 Premises and equipment, net $ 51,402,000 $ 57,298,000 Depreciation expense totaled $1.5 million and $1.4 million during the second 2022 2021, first six 2022, first six 2021. We enter into facility leases in the normal course of business. As of June 30, 2022 December 31, 2021, ten June, 2023 December, 2026, June 30, 2022 December 31, 2021, three five not not Leases are classified as either operating or finance leases at the lease commitment date, with all of our current leases determined to be operating leases. Lease expense for operating leases is recognized on a straight-line basis over the lease term. Right-of-use assets represent our right to use an underlying asset for the lease term, while lease liabilities represent our obligation to make lease payments arising from the lease. Right-of-use assets and lease liabilities are recognized at the lease commencement date at the estimated present value of lease payments over the lease term. We use our incremental borrowing rate, on a collateralized basis, at lease commencement to calculate the present value of lease payments. The weighted average discount rate for leases was 4.70% as of June 30, 2022 December 31, 2021. The right-of-use assets, included in premises and equipment, net on our Consolidated Balance Sheets, and the lease liabilities, included in other liabilities on our Consolidated Balance Sheets, each totaled $3.0 million as of June 30, 2022, December 31, 2021. not twelve second 2022 2021, first six 2022 2021. Future lease payments at June 30, 2022 one one three three five five December 31, 2021 one one three three five five As part of the relocation of our Lansing operations, we completed the sale of our Lansing facility on July 14, 2022. 10

Note 5 - Deposits

Note 5 - Deposits	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Deposit Liabilities Disclosures [Text Block]	5. DEPOSITS Our total deposits at June 30, 2022 December 31, 2021. June 30, 2022 December 31, 2021, 2021 second 2022, June 30, 2022 December 31, 2021 Percent Increase Balance % Balance % (Decrease) Noninterest-bearing demand $ 1,740,432,000 44.9 % $ 1,677,952,000 41.1 % 3.7 % Interest-bearing checking 481,016,000 12.4 538,838,000 13.2 (10.7 ) Money market 889,035,000 23.0 1,040,176,000 25.5 (14.5 ) Savings 409,505,000 10.6 394,330,000 9.7 3.8 Time, under $100,000 120,930,000 3.1 132,776,000 3.2 (8.9 ) Time, $100,000 and over 232,975,000 6.0 275,208,000 6.7 (15.3 ) Total local deposits 3,873,893,000 100.0 4,059,280,000 99.4 (4.6 ) Out-of-area time, $100,000 and over 0 0.0 23,913,000 0.6 (100.0 %) Total deposits $ 3,873,893,000 100.0 % $ 4,083,193,000 100.0 % (5.1 %) Total time deposits of more than $250,000 June 30, 2022 December 31, 2021,

Note 6 - Securities Sold Under

Note 6 - Securities Sold Under Agreements to Repurchase	6 Months Ended
	Jun. 30, 2022
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 June 30, 2022 Twelve Months December 31, Outstanding balance at end of period $ 203,339,000 $ 197,463,000 Average interest rate at end of period 0.10 % 0.11 % Average daily balance during the period $ 196,327,000 $ 158,855,000 Average interest rate during the period 0.10 % 0.11 % Maximum daily balance during the period $ 224,345,000 $ 209,093,000 Repurchase agreements generally have original maturities of less than one

Note 7 - Federal Home Loan Bank

Note 7 - Federal Home Loan Bank of Indianapolis Advances	6 Months Ended
	Jun. 30, 2022
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”) bullet advances totaled $334 million at June 30, 2022, July 2022 June 2027, December 31, 2021, January 2022 June 2027, Maturities of FHLBI bullet advances as of June 30, 2022 2022 $ 54,000,000 2023 80,000,000 2024 80,000,000 2025 50,000,000 2026 30,000,000 Thereafter 40,000,000 FHLBI amortizing advances totaled $28.3 million as of June 30, 2022, no December 31, 2021. Scheduled principal payments of FHLBI amortizing advances were as follows: 2022 $ 0 2023 353,000 2024 826,000 2025 862,000 2026 899,000 Thereafter 25,323,000 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, 2022

Note 8 - Commitments and Off-ba

Note 8 - Commitments and Off-balance Sheet Risk	6 Months Ended
	Jun. 30, 2022
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. We are required to consider expected credit losses associated with loan commitments over the contractual period in which we are exposed to credit risk on the underlying commitments unless the obligation is unconditionally cancellable by us. Any allowance for off-balance sheet credit exposures is reported as an other liability on our Consolidated Balance Sheet and is increased or decreased via the provision for credit losses account on our Consolidated Statement of Income. The calculation includes consideration of the likelihood that funding will occur and forecasted credit losses on commitments expected to be funded over their estimated lives. The allowance is calculated using the same aggregate reserve rates calculated for the funded portion of loans at the portfolio level applied to the amount of commitments expected to be funded. We have determined that our commercial-related lending commitments are unconditionally cancellable. Additionally, the vast majority of unfunded commercial loan commitments consist of revolving lines of credit wherein the aggregate amounts outstanding and available remain relatively stable, and any seasonality of line usage is nominal. Line of credit draws, irrespective of the maximum credit or individual note amount, are governed by borrowing or advance formulas, while draws off of commercial and residential construction loans are governed by the receipt and satisfactory review of contractor and subcontractor sworn statements, lien waivers and title insurance company endorsements. Letters of credit are rarely drawn. For retail lines of credit, including home equity lines of credit, overdraft protection lines of credit and personal unsecured lines of credit, and credit cards, average outstanding balances as a percent of total available credit have remained relatively steady over the past several years. We determined allowance requirements for these credit types by calculating the difference between the average percent outstanding of the funded commitments over the past several years to actual percent outstanding as of June 30, 2022 June 30, 2022 A summary of the contractual amounts of our financial instruments with off-balance sheet risk at June 30, 2022 December 31, 2021 June 30, 2022 December 31, 2021 Commercial unused lines of credit $ 1,158,512,000 $ 1,098,951,000 Unused lines of credit secured by 1 – 4 family residential properties 66,431,000 64,313,000 Credit card unused lines of credit 106,939,000 92,146,000 Other consumer unused lines of credit 91,987,000 64,876,000 Commitments to make loans 252,579,000 212,476,000 Standby letters of credit 35,005,000 33,109,000 $ 1,711,453,000 $ 1,565,871,000

Note 9 - Derivatives and Hedgin

Note 9 - Derivatives and Hedging Activities	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Derivative Instruments and Hedging Activities Disclosure [Text Block]	9. DERIVATIVES AND HEDGING ACTIVITIES We are exposed to certain risks arising from both business operations and economic conditions. We principally manage the exposure to a wide variety of operational risks through core business activities. Economic risks, including interest rate, liquidity and credit risk, are primarily administered via the amount, sources and duration of assets and liabilities. Derivative financial instruments may Derivatives not not not The fair values of derivative instruments as of June 30, 2022 Notional Amount Balance Sheet Location Fair Value Derivative Assets Interest rate swaps $ 340,692,000 Other Assets $ 17,069,000 Derivative Liabilities Interest rate swaps 340,692,000 Other Liabilities 17,196,000 The effect of interest rate swaps that are not first six 2022. The value of interest rate swaps in a net liability position, which includes accrued interest but excludes any adjustment for nonperformance risk related to these agreements, was $17.2 million as of June 30, 2022. June 30, 2022. Interest rate swaps entered into with commercial loan customers had notional amounts aggregating $341 million as of June 30, 2022. The fair values of derivative instruments as of December 31, 2021 Notional Amount Balance Sheet Location Fair Value Derivative Assets Interest rate swaps $ 279,419,000 Other Assets $ 4,609,000 Derivative Liabilities Interest rate swaps 279,419,000 Other Liabilities 4,857,000 The effect of interest rate swaps that are not December 31, 2021. The fair value of interest rate swaps in a net liability position, which includes accrued interest but excludes any adjustment for nonperformance risk related to these agreements, was $4.9 million as of December 31, 2021. December 31, 2021. Interest rate swaps entered into with commercial loan customers had notional amounts aggregating $279 million as of December 31, 2021.

Note 10 - Fair Values of Financ

Note 10 - Fair Values of Financial Instruments	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Fair Value Disclosures [Text Block]	10. 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, 2022 December 31, 2021 ( Level in June 30, 2022 December 31, 2021 Fair Value Carrying Fair Carrying Fair Hierarchy Values Values Values Values Financial assets: Cash Level 1 $ 18,692 $ 18,692 $ 17,872 $ 17,872 Cash equivalents Level 1 460,413 460,413 957,288 957,288 Securities available for sale (1) 603,638 603,638 592,743 592,743 FHLBI stock (2) 17,721 17,721 18,002 18,002 Loans, net Level 3 3,687,826 3,632,452 3,418,096 3,498,345 Mortgage loans held for sale Level 2 12,964 13,283 16,117 16,707 Mortgage servicing rights Level 2 12,286 16,547 12,248 15,445 Accrued interest receivable Level 2 10,884 10,884 9,311 9,311 Interest rate swaps Level 2 17,069 17,069 4,609 4,609 Financial liabilities: Deposits Level 2 3,873,893 3,573,291 4,083,193 4,028,249 Repurchase agreements Level 2 203,339 203,339 197,463 197,463 FHLBI advances Level 2 362,263 347,018 374,000 384,927 Subordinated debentures Level 2 48,585 52,820 48,244 48,284 Subordinated notes Level 2 88,457 83,679 73,646 73,646 Accrued interest payable Level 2 2,834 2,834 1,393 1,393 Interest rate swaps Level 2 17,196 17,196 4,857 4,857 ( 1 See Note 11 ( 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 11 - Fair Values

Note 11 - Fair Values	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Fair Value Measurement and Measurement Inputs, Recurring and Nonrecurring [Text Block]	11. 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, 2022 December 31, 2021. 1 Derivatives Mortgage loans held for sale June 30, 2022 December 31, 2021, 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, 2022 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Inputs (Level 3) Available for sale securities U.S. Government agency debt obligations $ 407,335,000 $ 0 $ 407,335,000 $ 0 Mortgage-backed securities 36,364,000 0 36,364,000 0 Municipal general obligation bonds 137,673,000 0 137,050,000 623,000 Municipal revenue bonds 21,766,000 0 21,766,000 0 Other investments 500,000 0 500,000 0 Interest rate swaps 17,069,000 0 17,069,000 0 Total $ 620,707,000 $ 0 $ 620,084,000 $ 623,000 There were no 1, 2 3 first six 2022. 3 first six 2022 The balances of assets and liabilities measured at fair value on a recurring basis as of December 31, 2021 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Inputs (Level 3) Available for sale securities U.S. Government agency debt obligations $ 390,371,000 $ 0 $ 390,371,000 $ 0 Mortgage-backed securities 41,803,000 0 41,803,000 0 Municipal general obligation bonds 137,594,000 0 136,917,000 677,000 Municipal revenue bonds 22,475,000 0 22,475,000 0 Other investments 500,000 0 500,000 0 Interest rate swaps 4,609,000 0 4,609,000 0 Total $ 597,352,000 $ 0 $ 596,675,000 $ 677,000 There were no 1, 2 3 2021. 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, 2022 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Inputs (Level 3) Loans $ 7,116,000 $ 0 $ 0 $ 7,116,000 Foreclosed assets 0 0 0 0 Total $ 7,116,000 $ 0 $ 0 $ 7,116,000 The balances of assets and liabilities measured at fair value on a nonrecurring basis as of December 31, 2021 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Inputs (Level 3) Impaired Loans $ 3,807,000 $ 0 $ 0 $ 3,807,000 Foreclosed assets 0 0 0 0 Total $ 3,807,000 $ 0 $ 0 $ 3,807,000 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 12 - Regulatory Matters

Note 12 - Regulatory Matters	6 Months Ended
	Jun. 30, 2022
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	12. 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, 2022 December 31, 2021, no June 30, 2022 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, 2022 Total capital (to risk weighted assets) Consolidated $ 597,495 13.8 $ 346,868 8.0 % $ NA NA % Bank 582,487 13.4 346,698 8.0 433,372 10.0 Tier 1 capital (to risk weighted assets) Consolidated 473,065 10.9 260,151 6.0 NA NA Bank 546,513 12.6 260,023 6.0 346,698 8.0 Common equity tier 1 (to risk weighted assets) Consolidated 426,553 9.8 195,114 4.5 NA NA Bank 546,513 12.6 195,018 4.5 281,692 6.5 Tier 1 capital (to average assets) Consolidated 473,065 9.3 203,286 4.0 NA NA Bank 546,513 10.8 203,201 4.0 254,001 5.0 Actual Minimum Required for Capital Adequacy Purposes Minimum Required to be Well Capitalized Under Prompt Corrective Action Regulations Amount Ratio Amount Ratio Amount Ratio December 31, 2021 Total capital (to risk weighted assets) Consolidated $ 565,143 14.0 % $ 324,101 8.0 % $ NA NA % Bank 551,760 13.6 323,928 8.0 404,910 10.0 Tier 1 capital (to risk weighted assets) Consolidated 456,133 11.3 243,076 6.0 NA NA Bank 516,397 12.8 242,946 6.0 323,928 8.0 Common equity tier 1 (to risk weighted assets) Consolidated 409,963 10.1 182,307 4.5 NA NA Bank 516,397 12.8 182,210 4.5 263,192 6.5 Tier 1 capital (to average assets) Consolidated 456,133 9.2 198,574 4.0 NA NA Bank 516,397 10.4 198,510 4.0 248,137 5.0 Our consolidated capital levels as of June 30, 2022 December 31, 2021 may 1 not 1 not May 19, 2010, December 31, 2009 June 30, 2022 December 31, 2021, 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, 2022, 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 13, 2022, March 16, 2022 March 4, 2022. April 14, 2022, $0.31 June 15, 2022 June 3, 2022. July 14, 2022, September 14, 2022 September 2, 2022. As of June 30, 2022, May 2021. first six 2022. may

Significant Accounting Policies

Significant Accounting Policies (Policies)	6 Months Ended
	Jun. 30, 2022
Accounting Policies [Abstract]
Basis of Accounting, Policy [Policy Text Block]	Basis of Presentation six June 30, 2022 10 303 not not June 30, 2022 not 10 December 31, 2021. 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
Effect of Covid-19 Pandemic, Policy [Policy Text Block]	Coronavirus Pandemic 2019 19” 2 19 The Coronavirus Pandemic is a highly unusual, unprecedented and evolving public health and economic crisis and may may may The following section summarizes the primary measures that directly impact us and our customers. ● Paycheck Protection Program The Paycheck Protection Program (“PPP”) reflects a substantial expansion of the Small Business Administration’s 100% 7 $350 500 100% 100% 1.00%, August 8, 2020. June 30, 2022, first six 2022. The Consolidated Appropriations Act, 2021 $284 May 31, 2021. June 30, 2022, first six 2022 ● Individual Economic Impact Payments The Internal Revenue Service has made three $1,200 April 2020, $600 January 2021 $1,400 March 2021. ● Troubled Debt Restructuring Relief From March 1, 2020 60 December 31, 2020 may 19 2021 January 1, 2022. ● Current Expected Credit Loss ( “ CECL ” ) Methodology Delay Financial institutions were not December 31, 2020. 2021 January 1, 2022. January 1, 2022.
Earnings Per Share, Policy [Policy Text Block]	Earnings Per Share Approximately 325,000 unvested restricted shares were included in determining both basic and diluted earnings per share for the three six June 30, 2022. three six June 30, 2022. not three six June 30, 2022. Approximately 262,000 unvested restricted shares were included in determining both basic and diluted earnings per share for the three six June 30, 2021. three six June 30, 2021. not three six June 30, 2021.
Marketable Securities, Policy [Policy Text Block]	Securities June 30, 2022 December 31, 2021, 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. For available for sale debt securities in an unrealized loss position, we first not not not Changes in the allowance for credit losses are recorded as provision for (or reversal of) credit loss expense. Losses are charged against the allowance when we believe the uncollectibility of an available for sale security is confirmed or when either of the criteria regarding intent or requirement to sell is met. At June 30, 2022, no June 30, 2022 not
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, 2022 December 31, 2021, 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 mortgage loan at the same time we make an interest rate commitment to the borrower. These mortgage banking activities are not June 30, 2022 December 31, 2021,
Loans and Leases Receivable, Allowance for Loan Losses Policy [Policy Text Block]	Allowance for Credit Losses ( “ Allowance ” ) June 2016, No. 2016 13, Measurement of Credit Losses on Financial Instruments 2018 19 not December 15, 2019. Financial institutions were not December 31, 2020. 2021, December 2020, January 1, 2022. no January 1, 2022, December 31, 2021. We adopted CECL effective January 1, 2022 January 1, 2022 Accrued interest receivable for loans is included in other assets on our Consolidated Balance Sheet. We elected not 90 The allowance is a valuation account that is deducted from the loans’ amortized cost basis to present the net amount expected to be collected on the loans. Loans are charged-off against the allowance when we believe the uncollectibility of a loan balance is confirmed. The allowance is measured on a collective pool basis when similar risk characteristics exist. Loans with similar risk characteristics are grouped into homogenous segments, or pools, for analysis. Commercial loans are divided among five one two not. Our loan portfolio segments as of June 30, 2022 o Commercial Loans ■ Commercial and Industrial ■ Owner Occupied Commercial Real Estate ■ Non-Owner Occupied Commercial Real Estate ■ Multi-Family and Residential Rental ■ Vacant Land, Land Development and Residential Construction o Retail Loans ■ 1 4 ■ Other Consumer Loans The “remaining life methodology” is utilized for substantially all loan pools. This non-discounted cash flow approach projects an estimated future amortized cost basis based on current loan balance and repayment terms. Our historical loss rate is then applied to future loan balances at the instrument level based on remaining contractual life adjusted for amortization, prepayment and default to develop a baseline lifetime loss. The baseline lifetime loss is adjusted for changes in macroeconomic conditions over the reasonable and supportable forecast and reversion periods via a series of macroeconomic forecast inputs, such as gross domestic product, unemployment rates, interest rates, credit spreads, stock market volatility and property price indices, to quantify the impact of current and forecasted economic conditions on expected loan performance. We use migration to determine historical loss rates for commercial loans given the comprehensive loan grading process employed by the bank for over two January 1, 2011 Reasonable and supportable economic forecasts have to be incorporated in determining expected credit losses. The forecast period represents the time frame from the current period end through the point in time that we can reasonably forecast and support entity and environmental factors that are expected to impact the performance of our loan portfolio. Ideally, the economic forecast period would encompass the contractual terms of all loans; however, the ability to produce a forecast that is considered reasonable and supportable becomes more difficult or may not June 30, 2022, one six We are not third June 30, 2022 not March 31, 2022 During each reporting period, we also consider the need to adjust historical loss information to reflect the extent to which we expect current conditions and reasonable and supportable economic forecasts to differ from the conditions that existed for the period over which the historical loss information was determined. These qualitative adjustments may Traditional qualitative factors include: o Changes in lending policies and procedures o Changes in the nature and volume of the loan portfolio and in the terms of loans o Changes in the experience, ability and depth of lending management and other relevant staff o Changes in the volume and severity of past due loans, nonaccrual loans and adversely classified loans o Changes in the quality of the loan review program o Changes in the value of underlying collateral dependent loans o Existence and effect of any concentrations of credit and any changes in such o Effect of other factors such as competition and legal and regulatory requirements on the level of estimated credit losses The estimation of future credit losses should reflect consideration of all significant factors that affect the collectibility of the loan portfolio at each evaluation date. While our methodology considers both the historical loss rates as well as the traditional qualitative factors, there may As of June 30, 2022, two o The Coronavirus Pandemic Factor was established effective June 30, 2020 o The Historical Loss Information Factor was established effective January 1, 2022 Expected credit losses are estimated over the contractual terms of the loans, adjusted for expected prepayments when appropriate. The contractual term generally excludes potential extensions, renewals and modifications. We are also required to consider expected credit losses associated with loan commitments over the contractual period in which we are exposed to credit risk on the underlying commitments unless the obligation is unconditionally cancellable by us. Any allowance for off-balance sheet credit exposures is reported as an other liability on our Consolidated Balance Sheet and is increased or decreased via the provision for credit losses account on our Consolidated Statement of Income. The calculation includes consideration of the likelihood that funding will occur and forecasted credit losses on commitments expected to be funded over their estimated lives. The allowance is calculated using the same aggregate reserve rates calculated for the funded portion of loans at the portfolio level applied to the amount of commitments expected to be funded. The credit loss provisions recorded during the second first six 2022 The required reserve allocations resulting from these factors were largely offset by the positive impact of a change in the Covid- 19 19 19
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. Certain loans modified as troubled debt restructurings may two The federal banking agencies issued an “ Interagency Statement on Loan Modifications and Reporting 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 March 13, 2020 ( December 31, 2020, not 2020, January 1, 2022.
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 derivatives as 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 no June 30, 2022 December 31, 2021.
Goodwill and Intangible Assets, Policy [Policy Text Block]	Goodwill and Core Deposit Intangible may not may not not 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 We generally satisfy our performance obligations on contracts with customers as services are rendered, and the transaction prices are typically fixed and charged either on a periodic basis (generally monthly) or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, there is little judgment involved in applying Topic 606 The following table depicts our sources of noninterest income that are scoped within Topic 606: Three Months Ended June 30, 2022 Three Months Ended June 30, 2021 Six Months Ended June 30, 2022 Six Months Ended June 30, 2021 Service charges on deposit and sweep accounts $ 1,495,000 $ 1,209,000 $ 2,910,000 $ 2,363,000 Credit and debit card fees 2,134,000 1,920,000 4,015,000 3,598,000 Payroll processing 464,000 405,000 1,102,000 962,000 Customer service fees 202,000 186,000 444,000 409,000 Service Charges on Deposit and Sweep Accounts: Credit and Debit Card Fees: Payroll Processing Fees: Customer Service Fees:
New Accounting Pronouncements, Policy [Policy Text Block]	Newly Issued Not No. 2022 02 Financial Instruments Credit Losses (Topic 326 310 40, December 15, 2022. not

Note 1 - Significant Accounti_2

Note 1 - Significant Accounting Policies (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Revenue from External Customers by Products and Services [Table Text Block]	Three Months Ended June 30, 2022 Three Months Ended June 30, 2021 Six Months Ended June 30, 2022 Six Months Ended June 30, 2021 Service charges on deposit and sweep accounts $ 1,495,000 $ 1,209,000 $ 2,910,000 $ 2,363,000 Credit and debit card fees 2,134,000 1,920,000 4,015,000 3,598,000 Payroll processing 464,000 405,000 1,102,000 962,000 Customer service fees 202,000 186,000 444,000 409,000

Note 2 - Securities (Tables)

Note 2 - Securities (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Debt Securities, Available-for-Sale [Table Text Block]	Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value June 30, 2022 U.S. Government agency debt obligations $ 453,512,000 $ 0 $ (46,177,000 ) $ 407,335,000 Mortgage-backed securities 40,676,000 56,000 (4,368,000 ) 36,364,000 Municipal general obligation bonds 145,002,000 190,000 (7,519,000 ) 137,673,000 Municipal revenue bonds 24,287,000 18,000 (2,539,000 ) 21,766,000 Other investments 500,000 0 0 500,000 $ 663,977,000 $ 264,000 $ (60,603,000 ) $ 603,638,000 December 31, 2021 U.S. Government agency debt obligations $ 398,874,000 $ 266,000 $ (8,769,000 ) $ 390,371,000 Mortgage-backed securities 41,906,000 549,000 (652,000 ) 41,803,000 Municipal general obligation bonds 133,894,000 4,092,000 (392,000 ) 137,594,000 Municipal revenue bonds 22,289,000 331,000 (145,000 ) 22,475,000 Other investments 500,000 0 0 500,000 $ 597,463,000 $ 5,238,000 $ (9,958,000 ) $ 592,743,000
Debt Securities, Available-for-Sale, 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, 2022 U.S. Government agency debt obligations $ 176,893,000 $ 17,028,000 $ 230,442,000 $ 29,149,000 $ 407,335,000 $ 46,177,000 Mortgage-backed securities 23,935,000 2,259,000 11,372,000 2,109,000 35,307,000 4,368,000 Municipal general obligation bonds 90,305,000 5,551,000 16,284,000 1,968,000 106,589,000 7,519,000 Municipal revenue bonds 12,823,000 1,454,000 7,088,000 1,085,000 19,911,000 2,539,000 $ 303,956,000 $ 26,292,000 $ 265,186,000 $ 34,311,000 $ 569,142,000 $ 60,603,000 Less than 12 Months 12 Months or More Total Fair Value Unrealized Loss Fair Value Unrealized Loss Fair Value Unrealized Loss December 31, 2021 U.S. Government agency debt obligations $ 274,287,000 $ 5,274,000 $ 110,053,000 $ 3,495,000 $ 384,340,000 $ 8,769,000 Mortgage-backed securities 23,184,000 652,000 24,000 0 23,208,000 652,000 Municipal general obligation bonds 40,748,000 392,000 0 0 40,748,000 392,000 Municipal revenue bonds 12,843,000 137,000 414,000 8,000 13,257,000 145,000 $ 351,062,000 $ 6,455,000 $ 110,491,000 $ 3,503,000 $ 461,553,000 $ 9,958,000
Investments Classified by Contractual Maturity Date [Table Text Block]	Weighted Average Yield Amortized Cost Fair Value Due in 2022 1.35 % $ 3,750,000 $ 3,738,000 Due in 2023 through 2027 1.14 266,931,000 250,890,000 Due in 2028 through 2032 1.84 311,780,000 277,595,000 Due in 2033 and beyond 2.33 40,340,000 34,551,000 Mortgage-backed securities 2.04 40,676,000 36,364,000 Other investments 3.88 500,000 500,000 Total available for sale securities 1.60 % $ 663,977,000 $ 603,638,000

Note 3 - Loans and Allowance _2

Note 3 - Loans and Allowance for Credit Losses (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	Percent June 30, 2022 December 31, 2021 Increase Balance % Balance % (Decrease) Commercial: Commercial and industrial (1) $ 1,187,650,000 31.9 % $ 1,137,419,000 32.9 % 4.4 % Vacant land, land development, and residential construction 57,808,000 1.6 43,239,000 1.3 33.7 Real estate – owner occupied 598,593,000 16.1 565,758,000 16.4 5.8 Real estate – non-owner occupied 1,003,118,000 26.9 1,027,415,000 29.7 (2.4 ) Real estate – multi-family and residential rental 224,591,000 6.0 176,593,000 5.1 27.2 Total commercial 3,071,760,000 82.5 2,950,424,000 85.4 4.1 Retail: 1-4 family mortgages 623,599,000 16.7 442,547,000 12.8 40.9 Other consumer loans (2) 28,441,000 0.8 60,488,000 1.8 (53.0 ) Total retail 652,040,000 17.5 503,035,000 14.6 29.6 Total loans $ 3,723,800,000 100.0 % $ 3,453,459,000 100.0 % 7.8 %
Financing Receivable, Nonperforming [Table Text Block]	June 30, 2022 December 31, 2021 Loans past due 90 days or more still accruing interest $ 0 $ 155,000 Nonaccrual loans 1,787,000 2,313,000 Total nonperforming loans $ 1,787,000 $ 2,468,000 June 30, 2022 December 31, 2021 Commercial: Commercial and industrial $ 248,000 $ 663,000 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 248,000 663,000 Retail: 1-4 family mortgages 1,538,000 1,686,000 Other consumer loans 1,000 119,000 Total retail 1,539,000 1,805,000 Total nonperforming loans $ 1,787,000 $ 2,468,000
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 Days and Accruing Commercial: Commercial and industrial $ 0 $ 0 $ 0 $ 0 $ 1,187,650,000 $ 1,187,650,000 $ 0 Vacant land, land development, and residential construction 0 0 0 0 57,808,000 57,808,000 0 Real estate – owner occupied 0 0 0 0 598,593,000 598,593,000 0 Real estate – non-owner occupied 0 0 0 0 1,003,118,000 1,003,118,000 0 Real estate – multi-family and residential rental 0 0 0 0 224,591,000 224,591,000 0 Total commercial 0 0 0 0 3,071,760,000 3,071,760,000 0 Retail: 1-4 family mortgages 102,000 107,000 207,000 416,000 623,183,000 623,599,000 0 Other consumer loans 3,000 0 0 3,000 28,438,000 28,441,000 0 Total retail 105,000 107,000 207,000 419,000 651,621,000 652,040,000 0 Total past due loans $ 105,000 $ 107,000 $ 207,000 $ 419,000 $ 3,723,381,000 $ 3,723,800,000 $ 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 Days and Accruing Commercial: Commercial and industrial $ 14,000 $ 0 $ 193,000 $ 207,000 $ 1,137,212,000 $ 1,137,419,000 $ 155,000 Vacant land, land development, and residential construction 13,000 0 0 13,000 43,226,000 43,239,000 0 Real estate – owner occupied 0 0 0 0 565,758,000 565,758,000 0 Real estate – non-owner occupied 0 0 0 0 1,027,415,000 1,027,415,000 0 Real estate – multi-family and residential rental 0 0 0 0 176,593,000 176,593,000 0 Total commercial 27,000 0 193,000 220,000 2,950,204,000 2,950,424,000 155,000 Retail: Home equity and other 132,000 2,000 20,000 154,000 60,334,000 60,488,000 0 1-4 family mortgages 1,265,000 241,000 82,000 1,588,000 440,959,000 442,547,000 0 Total retail 1,397,000 243,000 102,000 1,742,000 501,293,000 503,035,000 0 Total past due loans $ 1,424,000 $ 243,000 $ 295,000 $ 1,962,000 $ 3,451,497,000 $ 3,453,459,000 $ 155,000
Financing Receivable, Nonaccrual [Table Text Block]	Recorded Principal Related Balance Allowance With no allowance recorded: Commercial: Commercial and industrial $ 248,000 $ 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 248,000 0 Retail: 1-4 family mortgages 1,000 0 Other consumer loans 1,454,000 0 Total retail 1,455,000 0 Total with no allowance recorded $ 1,703,000 $ 0 With an allowance recorded: 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: 1-4 family mortgages 84,000 48,000 Other consumer loans 0 0 Total retail 84,000 48,000 Total with an allowance recorded $ 84,000 $ 48,000 Total nonaccrual loans: Commercial $ 248,000 $ 0 Retail 1,539,000 48,000 Total nonaccrual loans $ 1,787,000 $ 48,000
Impaired Financing Receivables [Table Text Block]	Unpaid Contractual Principal Balance Recorded Principal Balance Related Allowance Second Average Recorded Principal Balance Year-To- Average Recorded Principal Balance With no related allowance recorded Commercial: Commercial and industrial $ 2,893,000 $ 2,818,000 $ 3,129,000 $ 4,167,000 Vacant land, land development and residential construction 0 0 0 0 Real estate – owner occupied 9,674,000 9,674,000 13,114,000 13,607,000 Real estate – non-owner occupied 0 0 156,000 218,000 Real estate – multi-family and residential rental 91,000 91,000 0 0 Total commercial 12,658,000 12,583,000 16,399,000 17,992,000 Retail: Home equity and other 1,173,000 1,107,000 1,088,000 1,054,000 1-4 family mortgages 3,166,000 2,025,000 2,376,000 2,442,000 Total retail 4,339,000 3,132,000 3,464,000 3,496,000 Total with no related allowance recorded $ 16,997,000 $ 15,715,000 $ 19,863,000 $ 21,488,000 Unpaid Contractual Principal Balance Recorded Principal Balance Related Allowance Second Average Recorded Principal Balance Year-To- Average Recorded Principal Balance With an allowance recorded Commercial: Commercial and industrial $ 2,192,000 $ 2,192,000 $ 266,000 $ 1,661,000 $ 1,222,000 Vacant land, land development and residential construction 0 0 0 0 0 Real estate – owner occupied 761,000 761,000 84,000 872,000 826,000 Real estate – non-owner occupied 146,000 146,000 4,000 156,000 158,000 Real estate – multi-family and residential rental 0 0 0 0 0 Total commercial 3,099,000 3,099,000 354,000 2,689,000 2,206,000 Retail: Home equity and other 160,000 140,000 123,000 242,000 256,000 1-4 family mortgages 412,000 412,000 69,000 581,000 620,000 Total retail 572,000 552,000 192,000 823,000 876,000 Total with an allowance recorded $ 3,671,000 $ 3,651,000 $ 546,000 $ 3,512,000 $ 3,082,000 Total impaired loans: Commercial $ 15,757,000 $ 15,682,000 $ 354,000 $ 19,088,000 $ 20,198,000 Retail 4,911,000 3,684,000 192,000 4,287,000 4,372,000 Total impaired loans $ 20,668,000 $ 19,366,000 $ 546,000 $ 23,375,000 $ 24,570,000
Financing Receivable Credit Quality Indicators [Table Text Block]	Commercial and Industrial Commercial Vacant Land, Land and Residential Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family Rental Internal credit risk grade groupings: Grades 1 – 4 (1) $ 726,012,000 $ 40,317,000 $ 363,381,000 $ 508,666,000 $ 136,632,000 Grades 5 – 7 454,518,000 17,379,000 234,999,000 481,799,000 87,816,000 Grades 8 – 9 7,120,000 112,000 213,000 12,653,000 143,000 Total commercial $ 1,187,650,000 $ 57,808,000 $ 598,593,000 $ 1,003,118,000 $ 224,591,000 Commercial and Industrial Commercial Vacant Land, Land and 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) $ 729,224,000 $ 28,390,000 $ 346,082,000 $ 503,482,000 $ 119,473,000 Grades 5 – 7 398,378,000 14,730,000 208,060,000 511,280,000 56,968,000 Grades 8 – 9 9,817,000 119,000 11,616,000 12,653,000 152,000 Total commercial $ 1,137,419,000 $ 43,239,000 $ 565,758,000 $ 1,027,415,000 $ 176,593,000
Financing Receivable by Origination Year [Table Text Block]	2022 2021 2020 2019 2018 Prior Term Total Revolving Loans Grand Total Commercial: Commercial and Industrial: Grades 1 – 4 $ 73,547 $ 183,393 $ 54,533 $ 13,863 $ 3,792 $ 10,932 $ 340,060 $ 385,952 $ 726,012 Grades 5 – 7 122,198 68,241 62,274 9,459 2,074 600 264,846 189,672 454,518 Grades 8 – 9 3,849 249 0 0 55 47 4,200 2,920 7,120 Total $ 199,594 $ 251,883 $ 116,807 $ 23,322 $ 5,921 $ 11,579 $ 609,106 $ 578,544 $ 1,187,650 Vacant Land, Land Development and Residential Construction: Grades 1 – 4 $ 17,011 $ 19,004 $ 3,660 $ 0 $ 0 $ 354 $ 40,029 $ 288 $ 40,317 Grades 5 – 7 5,248 10,652 572 55 0 794 17,321 58 17,379 Grades 8 – 9 0 0 0 0 16 96 112 0 112 Total $ 22,259 $ 29,656 $ 4,232 $ 55 $ 16 $ 1,244 $ 57,462 $ 346 $ 57,808 Real Estate – Owner Occupied: Grades 1 – 4 $ 81,554 $ 175,628 $ 63,568 $ 20,865 $ 10,866 $ 10,900 $ 363,381 $ 0 $ 363,381 Grades 5 – 7 88,415 64,394 40,122 11,405 23,771 6,892 234,999 0 234,999 Grades 8 – 9 0 0 47 0 166 0 213 0 213 Total $ 169,969 $ 240,022 $ 103,737 $ 32,270 $ 34,803 $ 17,792 $ 598,593 $ 0 $ 598,593 Real Estate – Non-Owner Occupied: Grades 1 – 4 $ 64,529 $ 193,494 $ 144,040 $ 78,997 $ 10,428 $ 17,178 $ 508,666 $ 0 $ 508,666 Grades 5 – 7 83,053 178,420 133,404 23,436 15,620 47,866 481,799 0 481,799 Grades 8 – 9 6,849 5,804 0 0 0 0 12,653 0 12,653 Total $ 154,431 $ 377,718 $ 277,444 $ 102,433 $ 26,048 $ 65,044 $ 1,003,118 $ 0 $ 1,003,118 Real Estate – Multi-Family and Residential Rental: Grades 1 – 4 $ 26,872 $ 58,323 $ 37,867 $ 5,768 $ 3,121 $ 4,681 $ 136,632 $ 0 $ 136,632 Grades 5 – 7 38,618 26,763 13,928 3,486 3,591 1,430 87,816 0 87,816 Grades 8 – 9 88 0 0 0 0 55 143 0 143 Total $ 65,578 $ 85,086 $ 51,795 $ 9,254 $ 6,712 $ 6,166 $ 224,591 $ 0 $ 224,591 Total Commercial $ 611,831 $ 984,365 $ 554,015 $ 167,334 $ 73,500 $ 101,825 $ 2,492,870 $ 578,890 $ 3,071,760 Retail: 1-4 Family Mortgages $ 174,239 $ 240,232 $ 97,334 $ 13,962 $ 15,543 $ 49,346 $ 590,656 $ 32,943 $ 623,599 Other Consumer Loans 2,905 3,822 1,599 1,447 624 702 11,099 17,342 28,441 Total Retail $ 177,144 $ 244,054 $ 98,933 $ 15,409 $ 16,167 $ 50,048 $ 601,755 $ 50,285 $ 652,040 Grand Total $ 788,975 $ 1,228,419 $ 652,948 $ 182,743 $ 89,667 $ 151,873 $ 3,094,625 $ 629,175 $ 3,723,800
Financing Receivable, Allowance for Credit Loss [Table Text Block]	Commercial 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 1-4 family Other Unallocated Total Allowance for credit losses: Balance at 3-31-22 $ 8,413 $ 455 $ 5,803 $ 10,322 $ 1,276 $ 8,562 $ 191 $ 131 $ 35,153 Provision for credit losses 150 (10 ) (251 ) (708 ) (8 ) 1,464 (28 ) (109 ) 500 Charge-offs 0 0 0 0 0 0 (15 ) 0 (15 ) Recoveries 45 1 26 0 6 241 17 0 336 Ending balance $ 8,608 $ 446 $ 5,578 $ 9,614 $ 1,274 $ 10,267 $ 165 $ 22 $ 35,974 Balance at 12-31-21 $ 10,782 $ 420 $ 6,045 $ 13,301 $ 1,695 $ 2,449 $ 626 $ 45 $ 35,363 Adoption of ASU 2016-13 (1,571 ) (43 ) (560 ) (2,534 ) (621 ) 5,395 (411 ) (55 ) (400 ) Provision for credit losses (592 ) 96 35 (1,153 ) 186 2,057 (61 ) 32 600 Charge-offs (171 ) (29 ) 0 0 0 (2 ) (18 ) 0 (220 ) Recoveries 160 2 58 0 14 368 29 0 631 Ending balance $ 8,608 $ 446 $ 5,578 $ 9,614 $ 1,274 $ 10,267 $ 165 $ 22 $ 35,974 Commercial and industrial Commercial vacant Commercial real estate owner occupied Commercial real estate non-owner occupied Commercial real multi-family and Home 1 4 family Unallocated Total Allowance for loan losses: Balance at 3-31-21 $ 10,111 $ 720 $ 8,304 $ 13,751 $ 1,825 $ 841 $ 2,953 $ 190 $ 38,695 Provision for loan losses (764 ) (243 ) (696 ) (966 ) (38 ) (125 ) (263 ) (5 ) (3,100 ) Charge-offs (54 ) 0 (12 ) 0 0 (2 ) 0 0 (68 ) Recoveries 47 2 105 0 0 28 204 0 386 Ending balance $ 9,340 $ 479 $ 7,701 $ 12,785 $ 1,787 $ 742 $ 2,894 $ 185 $ 35,913 Balance at 12-31-20 $ 9,424 $ 679 $ 8,246 $ 13,611 $ 1,819 $ 889 $ 3,240 $ 59 $ 37,967 Provision for loan losses (181 ) (203 ) (877 ) (826 ) (32 ) (207 ) (600 ) 126 (2,800 ) Charge-offs (54 ) (15 ) (12 ) 0 0 (6 ) (34 ) 0 (121 ) Recoveries 151 18 344 0 0 66 288 0 867 Ending balance $ 9,340 $ 479 $ 7,701 $ 12,785 $ 1,787 $ 742 $ 2,894 $ 185 $ 35,913 Ending balance: individually evaluated for impairment $ 355 $ 0 $ 117 $ 5 $ 0 $ 207 $ 103 $ 0 $ 787 Ending balance: collectively evaluated for impairment $ 8,985 $ 479 $ 7,584 $ 12,780 $ 1,787 $ 535 $ 2,791 $ 185 $ 35,126 Total loans (*): Ending balance $ 1,097,309 $ 43,239 $ 565,758 $ 1,027,415 $ 176,593 $ 60,488 $ 442,547 $ 3,413,349 Ending balance: individually evaluated for impairment $ 5,010 $ 0 $ 10,435 $ 146 $ 91 $ 1,247 $ 2,437 $ 19,366 Ending balance: collectively evaluated for impairment $ 1,092,299 $ 43,239 $ 555,323 $ 1,027,269 $ 176,502 $ 59,241 $ 440,110 $ 3,393,983
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 $ 6,573,000 $ 6,573,000 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 6,573,000 6,573,000 Retail: 1-4 family mortgages 1 84,000 84,000 Other consumer loans 0 0 0 Total retail 1 84,000 84,000 Total loans 3 $ 6,657,000 $ 6,657,000 Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Commercial: Commercial and industrial 2 $ 6,573,000 $ 6,573,000 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 6,573,000 6,573,000 Retail: 1-4 family mortgages 3 212,000 212,000 Other consumer loans 0 0 0 Total retail 3 212,000 212,000 Total loans 5 $ 6,785,000 $ 6,785,000 Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Commercial: Commercial and industrial 8 $ 2,831,000 $ 2,831,000 Vacant land, land development and residential construction 0 0 0 Real estate – owner occupied 1 692,000 692,000 Real estate – non-owner occupied 0 0 0 Real estate – multi-family and residential rental 0 0 0 Total commercial 9 3,523,000 3,523,000 Retail: Home equity and other 3 414,000 412,000 1-4 family mortgages 1 10,000 10,000 Total retail 4 424,000 422,000 Total loans 13 $ 3,947,000 $ 3,945,000 Number of Contracts Pre- Modification Recorded Principal Balance Post- Modification Recorded Principal Balance Commercial: Commercial and industrial 9 $ 2,854,000 $ 2,853,000 Vacant land, land development and residential construction 0 0 0 Real estate – owner occupied 1 692,000 692,000 Real estate – non-owner occupied 0 0 0 Real estate – multi-family and residential rental 0 0 0 Total commercial 10 3,546,000 3,545,000 Retail: Home equity and other 4 485,000 482,000 1-4 family mortgages 2 46,000 46,000 Total retail 6 531,000 528,000 Total loans 16 $ 4,077,000 $ 4,073,000
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 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 1 431,000 Real estate – non-owner occupied 0 0 Real estate – multi-family and residential rental 0 0 Total commercial 1 431,000 Retail: Home equity and other 0 0 1-4 family mortgages 0 0 Total retail 0 0 Total 1 $ 431,000 Number of Contracts Recorded Principal Balance Commercial: Commercial and industrial 2 $ 522,000 Vacant land, land development and residential construction 0 0 Real estate – owner occupied 1 431,000 Real estate – non-owner occupied 0 0 Real estate – multi-family and residential rental 0 0 Total commercial 3 953,000 Retail: Home equity and other 0 0 1-4 family mortgages 0 0 Total retail 0 0 Total 3 $ 953,000
Trouble Debt Restructuring Activity [Table Text Block]	Commercial and Industrial Commercial Vacant Land, Land and Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family Rental Commercial Loan Portfolio: Beginning Balance $ 2,829,000 $ 0 $ 89,000 $ 143,000 $ 90,000 Charge-Offs 0 0 0 0 0 Payments (net) 536,000 0 (2,000 ) (4,000 ) (2,000 ) Transfers to ORE 0 0 0 0 0 Net Additions/Deletions 6,573,000 0 0 0 0 Ending Balance $ 9,938,000 $ 0 $ 87,000 $ 139,000 $ 88,000 Retail Retail 1-4 Family Other Consumer Mortgages Loans Retail Loan Portfolio: Beginning Balance $ 2,346,000 $ 13,000 Charge-Offs 0 0 Payments (net) (91,000 ) (10,000 ) Transfers to ORE 0 0 Net Additions/Deletions 84,000 0 Ending Balance $ 2,339,000 $ 3,000 Commercial and Industrial Commercial Vacant Land, Land and Residential Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family and Rental Commercial Loan Portfolio: Beginning Balance $ 4,973,000 $ 0 $ 10,435,000 $ 146,000 $ 91,000 Charge-Offs 0 0 0 0 0 Payments (net) 324,000 0 (9,679,000 ) (7,000 ) (3,000 ) Transfers to ORE 0 0 0 0 0 Net Additions/Deletions 4,641,000 0 (669,000 ) 0 0 Ending Balance $ 9,938,000 $ 0 $ 87,000 $ 139,000 $ 88,000 Retail Retail 1-4 Family Other Consumer Mortgages Loans Retail Loan Portfolio: Beginning Balance $ 627,000 $ 1,202,000 Charge-Offs 0 0 Payments (net) (169,000 ) (12,000 ) Transfers to ORE 0 0 Net Additions/Deletions (1) 1,881,000 (1,187,000 ) Ending Balance $ 2,339,000 $ 3,000 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 $ 3,760,000 $ 0 $ 13,887,000 $ 471,000 $ 0 Charge-Offs 0 0 0 0 0 Payments (net) (845,000 ) 0 (685,000 ) (318,000 ) 0 Transfers to ORE 0 0 0 0 0 Net Additions/Deletions 2,648,000 0 686,000 0 0 Ending Balance $ 5,563,000 $ 0 $ 13,888,000 $ 153,000 $ 0 Retail Home Equity and Other Retail 1-4 Family Mortgages Retail Loan Portfolio: Beginning Balance $ 1,099,000 $ 820,000 Charge-Offs 0 0 Payments (net) (115,000 ) (131,000 ) Transfers to ORE 0 0 Net Additions/Deletions 412,000 10,000 Ending Balance $ 1,396,000 $ 699,000 Commercial and Industrial Commercial Vacant Land, Land and Construction Commercial Real Estate - Owner Occupied Commercial Real Estate - Non-Owner Occupied Commercial Real Estate - Multi-Family Rental Commercial Loan Portfolio: Beginning Balance $ 6,414,000 $ 0 $ 14,797,000 $ 480,000 $ 0 Charge-Offs 0 0 0 0 0 Payments (net) (3,521,000 ) 0 (1,595,000 ) (327,000 ) 0 Transfers to ORE 0 0 0 0 0 Net Additions/Deletions 2,670,000 0 686,000 0 0 Ending Balance $ 5,563,000 $ 0 $ 13,888,000 $ 153,000 $ 0 Retail Home Equity and Other Retail 1-4 Family Mortgages Retail Loan Portfolio: Beginning Balance $ 1,146,000 $ 806,000 Charge-Offs 0 0 Payments (net) (232,000 ) (153,000 ) Transfers to ORE 0 0 Net Additions/Deletions 482,000 46,000 Ending Balance $ 1,396,000 $ 699,000
Retail Portfolio Segment [Member]
Notes Tables
Financing Receivable Credit Quality Indicators [Table Text Block]	Other Consumer Loans Retail 1-4 Family Mortgages Performing $ 28,440,000 $ 622,061,000 Nonperforming 1,000 1,538,000 Total retail $ 28,441,000 $ 623,599,000 Retail Home Equity and Other Retail 1-4 Family Mortgages Performing $ 60,369,000 $ 440,861,000 Nonperforming 119,000 1,686,000 Total retail $ 60,488,000 $ 442,547,000

Note 4 - Premises and Equipme_2

Note 4 - Premises and Equipment, Net (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Property, Plant and Equipment [Table Text Block]	June 30, 2022 December 31, 2021 Land and improvements $ 13,504,000 $ 15,111,000 Buildings 51,555,000 56,168,000 Furniture and equipment 22,647,000 22,974,000 87,706,000 94,253,000 Less: accumulated depreciation 36,304,000 36,955,000 Premises and equipment, net $ 51,402,000 $ 57,298,000

Note 5 - Deposits (Tables)

Note 5 - Deposits (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Summary of Deposits and Percentage Change in Deposits [Table Text Block]	June 30, 2022 December 31, 2021 Percent Increase Balance % Balance % (Decrease) Noninterest-bearing demand $ 1,740,432,000 44.9 % $ 1,677,952,000 41.1 % 3.7 % Interest-bearing checking 481,016,000 12.4 538,838,000 13.2 (10.7 ) Money market 889,035,000 23.0 1,040,176,000 25.5 (14.5 ) Savings 409,505,000 10.6 394,330,000 9.7 3.8 Time, under $100,000 120,930,000 3.1 132,776,000 3.2 (8.9 ) Time, $100,000 and over 232,975,000 6.0 275,208,000 6.7 (15.3 ) Total local deposits 3,873,893,000 100.0 4,059,280,000 99.4 (4.6 ) Out-of-area time, $100,000 and over 0 0.0 23,913,000 0.6 (100.0 %) Total deposits $ 3,873,893,000 100.0 % $ 4,083,193,000 100.0 % (5.1 %)

Note 6 - Securities Sold Unde_2

Note 6 - Securities Sold Under Agreements to Repurchase (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Schedule of Repurchase Agreements [Table Text Block]	Six Months June 30, 2022 Twelve Months December 31, Outstanding balance at end of period $ 203,339,000 $ 197,463,000 Average interest rate at end of period 0.10 % 0.11 % Average daily balance during the period $ 196,327,000 $ 158,855,000 Average interest rate during the period 0.10 % 0.11 % Maximum daily balance during the period $ 224,345,000 $ 209,093,000

Note 7 - Federal Home Loan Ba_2

Note 7 - Federal Home Loan Bank of Indianapolis Advances (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Maturities of Currently Outstanding FHLB Advances [Table Text Block]	2022 $ 54,000,000 2023 80,000,000 2024 80,000,000 2025 50,000,000 2026 30,000,000 Thereafter 40,000,000 2022 $ 0 2023 353,000 2024 826,000 2025 862,000 2026 899,000 Thereafter 25,323,000

Note 8 - Commitments and Off-_2

Note 8 - Commitments and Off-balance Sheet Risk (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Summary of Contractual Amounts of Financial Instruments With Off Balance Sheet Risk [Table Text Block]	June 30, 2022 December 31, 2021 Commercial unused lines of credit $ 1,158,512,000 $ 1,098,951,000 Unused lines of credit secured by 1 – 4 family residential properties 66,431,000 64,313,000 Credit card unused lines of credit 106,939,000 92,146,000 Other consumer unused lines of credit 91,987,000 64,876,000 Commitments to make loans 252,579,000 212,476,000 Standby letters of credit 35,005,000 33,109,000 $ 1,711,453,000 $ 1,565,871,000

Note 9 - Derivatives and Hedg_2

Note 9 - Derivatives and Hedging Activities (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Schedule of Derivative Instruments [Table Text Block]	Notional Amount Balance Sheet Location Fair Value Derivative Assets Interest rate swaps $ 340,692,000 Other Assets $ 17,069,000 Derivative Liabilities Interest rate swaps 340,692,000 Other Liabilities 17,196,000 Notional Amount Balance Sheet Location Fair Value Derivative Assets Interest rate swaps $ 279,419,000 Other Assets $ 4,609,000 Derivative Liabilities Interest rate swaps 279,419,000 Other Liabilities 4,857,000

Note 10 - Fair Values of Fina_2

Note 10 - Fair Values of Financial Instruments (Tables)	6 Months Ended
	Jun. 30, 2022
Notes Tables
Fair Value, by Balance Sheet Grouping [Table Text Block]	Level in June 30, 2022 December 31, 2021 Fair Value Carrying Fair Carrying Fair Hierarchy Values Values Values Values Financial assets: Cash Level 1 $ 18,692 $ 18,692 $ 17,872 $ 17,872 Cash equivalents Level 1 460,413 460,413 957,288 957,288 Securities available for sale (1) 603,638 603,638 592,743 592,743 FHLBI stock (2) 17,721 17,721 18,002 18,002 Loans, net Level 3 3,687,826 3,632,452 3,418,096 3,498,345 Mortgage loans held for sale Level 2 12,964 13,283 16,117 16,707 Mortgage servicing rights Level 2 12,286 16,547 12,248 15,445 Accrued interest receivable Level 2 10,884 10,884 9,311 9,311 Interest rate swaps Level 2 17,069 17,069 4,609 4,609 Financial liabilities: Deposits Level 2 3,873,893 3,573,291 4,083,193 4,028,249 Repurchase agreements Level 2 203,339 203,339 197,463 197,463 FHLBI advances Level 2 362,263 347,018 374,000 384,927 Subordinated debentures Level 2 48,585 52,820 48,244 48,284 Subordinated notes Level 2 88,457 83,679 73,646 73,646 Accrued interest payable Level 2 2,834 2,834 1,393 1,393 Interest rate swaps Level 2 17,196 17,196 4,857 4,857

Note 11 - Fair Values (Tables)

Note 11 - Fair Values (Tables)	6 Months Ended
	Jun. 30, 2022
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 Inputs (Level 3) Available for sale securities U.S. Government agency debt obligations $ 407,335,000 $ 0 $ 407,335,000 $ 0 Mortgage-backed securities 36,364,000 0 36,364,000 0 Municipal general obligation bonds 137,673,000 0 137,050,000 623,000 Municipal revenue bonds 21,766,000 0 21,766,000 0 Other investments 500,000 0 500,000 0 Interest rate swaps 17,069,000 0 17,069,000 0 Total $ 620,707,000 $ 0 $ 620,084,000 $ 623,000 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Inputs (Level 3) Available for sale securities U.S. Government agency debt obligations $ 390,371,000 $ 0 $ 390,371,000 $ 0 Mortgage-backed securities 41,803,000 0 41,803,000 0 Municipal general obligation bonds 137,594,000 0 136,917,000 677,000 Municipal revenue bonds 22,475,000 0 22,475,000 0 Other investments 500,000 0 500,000 0 Interest rate swaps 4,609,000 0 4,609,000 0 Total $ 597,352,000 $ 0 $ 596,675,000 $ 677,000
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 Inputs (Level 3) Loans $ 7,116,000 $ 0 $ 0 $ 7,116,000 Foreclosed assets 0 0 0 0 Total $ 7,116,000 $ 0 $ 0 $ 7,116,000 Total Quoted Prices in Active Markets for Identical Assets (Level 1) Significant Other Observable Inputs (Level 2) Significant Inputs (Level 3) Impaired Loans $ 3,807,000 $ 0 $ 0 $ 3,807,000 Foreclosed assets 0 0 0 0 Total $ 3,807,000 $ 0 $ 0 $ 3,807,000

Note 12 - Regulatory Matters (T

Note 12 - Regulatory Matters (Tables)	6 Months Ended
	Jun. 30, 2022
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, 2022 Total capital (to risk weighted assets) Consolidated $ 597,495 13.8 $ 346,868 8.0 % $ NA NA % Bank 582,487 13.4 346,698 8.0 433,372 10.0 Tier 1 capital (to risk weighted assets) Consolidated 473,065 10.9 260,151 6.0 NA NA Bank 546,513 12.6 260,023 6.0 346,698 8.0 Common equity tier 1 (to risk weighted assets) Consolidated 426,553 9.8 195,114 4.5 NA NA Bank 546,513 12.6 195,018 4.5 281,692 6.5 Tier 1 capital (to average assets) Consolidated 473,065 9.3 203,286 4.0 NA NA Bank 546,513 10.8 203,201 4.0 254,001 5.0 Actual Minimum Required for Capital Adequacy Purposes Minimum Required to be Well Capitalized Under Prompt Corrective Action Regulations Amount Ratio Amount Ratio Amount Ratio December 31, 2021 Total capital (to risk weighted assets) Consolidated $ 565,143 14.0 % $ 324,101 8.0 % $ NA NA % Bank 551,760 13.6 323,928 8.0 404,910 10.0 Tier 1 capital (to risk weighted assets) Consolidated 456,133 11.3 243,076 6.0 NA NA Bank 516,397 12.8 242,946 6.0 323,928 8.0 Common equity tier 1 (to risk weighted assets) Consolidated 409,963 10.1 182,307 4.5 NA NA Bank 516,397 12.8 182,210 4.5 263,192 6.5 Tier 1 capital (to average assets) Consolidated 456,133 9.2 198,574 4.0 NA NA Bank 516,397 10.4 198,510 4.0 248,137 5.0

Note 1 - Significant Accounti_3

Note 1 - Significant Accounting Policies (Details Textual)	3 Months Ended		6 Months Ended
	Jun. 30, 2022 USD ($) shares	Jun. 30, 2021 USD ($) shares	Jun. 30, 2022 USD ($) shares	Jun. 30, 2021 USD ($) shares	Mar. 31, 2022 USD ($)	Jan. 01, 2022 USD ($)	Dec. 31, 2021 USD ($)	May 31, 2021 USD ($)	Mar. 31, 2021 USD ($)	Dec. 31, 2020 USD ($)	Aug. 08, 2020 USD ($)
Number of Unconsolidated Business Trusts Formed to Issue Trust Preferred Securities	5		5
Financing Receivable, before Allowance for Credit Loss, Total	$ 3,723,800,000		$ 3,723,800,000				$ 3,453,459,000
Debt Securities, Available-for-Sale, Allowance for Credit Loss, Ending Balance	0		0
Debt Securities, Available-for-Sale, Accrued Interest, after Allowance for Credit Loss, Total	2,200,000		$ 2,200,000
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
Mortgages Held-for-sale, Fair Value Disclosure	13,300,000		$ 13,300,000				16,700,000
Servicing Asset, Total	1,370,000,000		1,370,000,000				1,340,000,000
Financing Receivable, Allowance for Credit Loss, Ending Balance	35,974,000	$ 35,913,000	35,974,000	$ 35,913,000	$ 35,153,000		35,363,000		$ 38,695,000	$ 37,967,000
Retained Earnings (Accumulated Deficit), Total	$ 188,452,000		$ 188,452,000				174,536,000
Core Deposits [Member]
Acquired Finite-lived Intangible Assets, Weighted Average Useful Life (Year)			10 years
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Financing Receivable, Allowance for Credit Loss, Ending Balance						$ (400,000)	$ (400,000)
Retained Earnings (Accumulated Deficit), Total						300,000
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member] | Other Assets [Member]
Deferred Income Tax Assets, Net						$ 100,000
Restricted Stock [Member]
Incremental Common Shares Attributable to Participating Nonvested Shares with Non-forfeitable Dividend Rights (in shares) | shares	325,000	262,000	325,000	262,000
Share-Based Payment Arrangement, Option [Member]
Incremental Common Shares Attributable to Participating Nonvested Shares with Non-forfeitable Dividend Rights (in shares) | shares	1,000	3,000	1,000	3,000
Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount (in shares) | shares	6,000	7,000	6,000	7,000
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											$ 553,000,000
Financing Receivable, Not Yet Forgiven, Number of Loans	12		12
Financing Receivable, Not Yet Forgiven	$ 700,000		$ 700,000
Amortization of Deferred Loan Origination Fees, Net			$ 100,000
SBA, CARES Act, Paycheck Protection Program, Round Two [Member]
Number of Loans Originated Under the Paycheck Protection Program								1,200
Financing Receivable, before Allowance for Credit Loss, Total								$ 209,000,000
Financing Receivable, Not Yet Forgiven, Number of Loans	9		9
Financing Receivable, Not Yet Forgiven	$ 2,200,000		$ 2,200,000
Amortization of Deferred Loan Origination Fees, Net			$ 900,000

Note 1 - Significant Accounti_4

Note 1 - Significant Accounting Policies - Noninterest Income (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
Service Charges on Deposit and Sweep Accounts [Member]
Noninterest revenue	$ 1,495,000	$ 1,209,000	$ 2,910,000	$ 2,363,000
Credit and Debit Card [Member]
Noninterest revenue	2,134,000	1,920,000	4,015,000	3,598,000
Payroll Processing [Member]
Noninterest revenue	464,000	405,000	1,102,000	962,000
Customer Service [Member]
Noninterest revenue	$ 202,000	$ 186,000	$ 444,000	$ 409,000

Note 2 - Securities (Details Te

Note 2 - Securities (Details Textual)	Jun. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
Debt Securities, Available-for-Sale, Unrealized Loss Position, Number of Positions	651	333
Debt Securities, Available-for-Sale, Unrealized Loss Position, Total	$ 569,142,000	$ 461,553,000
Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss, Total	60,603,000	9,958,000
Other than Temporary Impairment, Credit Losses Recognized in Earnings, Credit Losses on Debt Securities Held	0	0
Debt Securities, Available-for-Sale, Amortized Cost, Total	663,977,000	597,463,000
Debt Securities, Available-for-Sale, Total	603,638,000	592,743,000
State of Michigan and All Its Political Subdivisions [Member]
Debt Securities, Available-for-Sale, Amortized Cost, Total	169,000,000	155,000,000
Debt Securities, Available-for-Sale, Total	159,000,000	158,000,000
All Other States and Their Political Subdivisions [Member]
Debt Securities, Available-for-Sale, Amortized Cost, Total	300,000	1,700,000
Debt Securities, Available-for-Sale, Total	200,000	1,700,000
US Government Agency Debt Obligations and Mortgage Backed Securities [Member]
Debt Securities, Available-for-Sale, Restricted	$ 203,000,000	$ 197,000,000

Note 2 - Securities - Available

Note 2 - Securities - Available-for-sale Securities (Details) - USD ($)	Jun. 30, 2022	Dec. 31, 2021
Securities available for sale, amortized cost	$ 663,977,000	$ 597,463,000
Securities available for sale, gross unrealized gains	264,000	5,238,000
Securities available for sale, gross unrealized losses	(60,603,000)	(9,958,000)
Securities available for sale, fair value	603,638,000	592,743,000
US Government Agencies Debt Securities [Member]
Securities available for sale, amortized cost	453,512,000	398,874,000
Securities available for sale, gross unrealized gains	0	266,000
Securities available for sale, gross unrealized losses	(46,177,000)	(8,769,000)
Securities available for sale, fair value	407,335,000	390,371,000
Collateralized Mortgage-Backed Securities [Member]
Securities available for sale, amortized cost	40,676,000	41,906,000
Securities available for sale, gross unrealized gains	56,000	549,000
Securities available for sale, gross unrealized losses	(4,368,000)	(652,000)
Securities available for sale, fair value	36,364,000	41,803,000
Municipal General Obligation Bonds [Member]
Securities available for sale, amortized cost	145,002,000	133,894,000
Securities available for sale, gross unrealized gains	190,000	4,092,000
Securities available for sale, gross unrealized losses	(7,519,000)	(392,000)
Securities available for sale, fair value	137,673,000	137,594,000
Municipal Revenue Bonds [Member]
Securities available for sale, amortized cost	24,287,000	22,289,000
Securities available for sale, gross unrealized gains	18,000	331,000
Securities available for sale, gross unrealized losses	(2,539,000)	(145,000)
Securities available for sale, fair value	21,766,000	22,475,000
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, 2022	Dec. 31, 2021
Securities available for sale, continuous unrealized loss position, less than 12 months	$ 303,956,000	$ 351,062,000
Securities available for sale, continuous unrealized loss position, less than 12 months, unrealized loss	26,292,000	6,455,000
Securities available for sale, continuous unrealized loss position, 12 months or more	265,186,000	110,491,000
Securities available for sale, continuous unrealized loss position, 12 months or more, unrealized loss	34,311,000	3,503,000
Securities available for sale, continuous unrealized loss position	569,142,000	461,553,000
Securities available for sale, continuous unrealized loss position, unrealized loss	60,603,000	9,958,000
US Government Agencies Debt Securities [Member]
Securities available for sale, continuous unrealized loss position, less than 12 months	176,893,000	274,287,000
Securities available for sale, continuous unrealized loss position, less than 12 months, unrealized loss	17,028,000	5,274,000
Securities available for sale, continuous unrealized loss position, 12 months or more	230,442,000	110,053,000
Securities available for sale, continuous unrealized loss position, 12 months or more, unrealized loss	29,149,000	3,495,000
Securities available for sale, continuous unrealized loss position	407,335,000	384,340,000
Securities available for sale, continuous unrealized loss position, unrealized loss	46,177,000	8,769,000
Collateralized Mortgage-Backed Securities [Member]
Securities available for sale, continuous unrealized loss position, less than 12 months	23,935,000	23,184,000
Securities available for sale, continuous unrealized loss position, less than 12 months, unrealized loss	2,259,000	652,000
Securities available for sale, continuous unrealized loss position, 12 months or more	11,372,000	24,000
Securities available for sale, continuous unrealized loss position, 12 months or more, unrealized loss	2,109,000	0
Securities available for sale, continuous unrealized loss position	35,307,000	23,208,000
Securities available for sale, continuous unrealized loss position, unrealized loss	4,368,000	652,000
Municipal General Obligation Bonds [Member]
Securities available for sale, continuous unrealized loss position, less than 12 months	90,305,000	40,748,000
Securities available for sale, continuous unrealized loss position, less than 12 months, unrealized loss	5,551,000	392,000
Securities available for sale, continuous unrealized loss position, 12 months or more	16,284,000	0
Securities available for sale, continuous unrealized loss position, 12 months or more, unrealized loss	1,968,000	0
Securities available for sale, continuous unrealized loss position	106,589,000	40,748,000
Securities available for sale, continuous unrealized loss position, unrealized loss	7,519,000	392,000
Municipal Revenue Bonds [Member]
Securities available for sale, continuous unrealized loss position, less than 12 months	12,823,000	12,843,000
Securities available for sale, continuous unrealized loss position, less than 12 months, unrealized loss	1,454,000	137,000
Securities available for sale, continuous unrealized loss position, 12 months or more	7,088,000	414,000
Securities available for sale, continuous unrealized loss position, 12 months or more, unrealized loss	1,085,000	8,000
Securities available for sale, continuous unrealized loss position	19,911,000	13,257,000
Securities available for sale, continuous unrealized loss position, unrealized loss	$ 2,539,000	$ 145,000

Note 2 - Securities - Debt Secu

Note 2 - Securities - Debt Securities by Maturity (Details) - USD ($)	Jun. 30, 2022	Dec. 31, 2021
Due in 2022, Weighted Average Yield	1.35%
Due in 2022, Amortized Cost	$ 3,750,000
Due in 2022, Fair Value	$ 3,738,000
Due in 2023 through 2027, Weighted Average Yield	1.14%
Due in 2023 through 2027, Amortized Cost	$ 266,931,000
Due in 2023 through 2027, Fair Value	$ 250,890,000
Due in 2028 through 2032, Weighted Average Yield	1.84%
Due in 2028 through 2032, Amortized Cost	$ 311,780,000
Due in 2028 through 2032, Fair Value	$ 277,595,000
Due in 2033 and beyond, Weighted Average Yield	2.33%
Due in 2033 and beyond, Amortized Cost	$ 40,340,000
Due in 2033 and beyond, Fair Value	$ 34,551,000
Total available for sale securities, weighted average yield	1.60%
Total available for sale securities, Amortized Cost	$ 663,977,000	$ 597,463,000
Securities available for sale	$ 603,638,000	592,743,000
Collateralized Mortgage-Backed Securities [Member]
No single maturity, weighted average yield	2.04%
No single maturity, amortized cost	$ 40,676,000
No single maturity, fair value	36,364,000
Total available for sale securities, Amortized Cost	40,676,000	41,906,000
Securities available for sale	$ 36,364,000	41,803,000
Other Debt and Equity Securities [Member]
No single maturity, weighted average yield	3.88%
No single maturity, amortized cost	$ 500,000
No single maturity, fair value	500,000
Total available for sale securities, Amortized Cost	500,000	500,000
Securities available for sale	$ 500,000	$ 500,000

Note 3 - Loans and Allowance _3

Note 3 - Loans and Allowance for Credit Losses (Details Textual) - USD ($)		3 Months Ended		6 Months Ended
		Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Mar. 31, 2022	Jan. 01, 2022	Dec. 31, 2021	Mar. 31, 2021	Dec. 31, 2020	Aug. 08, 2020
Financing Receivable, before Allowance for Credit Loss, Total		$ 3,723,800,000		$ 3,723,800,000				$ 3,453,459,000
Increase (Decrease) in Finance Receivables				$ 270,000,000
Loans and Leases Receivable, Percentage Period Increase (Decrease)				7.80%
Financing Receivable, Nonaccrual		1,787,000		$ 1,787,000
Financing Receivable, Nonaccrual, Interest Income		0	$ 0	0
Interest Lost on Nonaccrual Loans				100,000	$ 100,000
Financing Receivable, Accruing Trouble Debt Restructurings, Interest Income			400,000		800,000
Maximum [Member]
Interest Lost on Nonaccrual Loans		100,000	100,000
SBA, CARES Act, Paycheck Protection Program [Member]
Financing Receivable, before Allowance for Credit Loss, Total											$ 553,000,000
Financing Receivable With Less Than $0.1 Million Allowance [Member]
Financing Receivable, Nonaccrual		1,800,000		1,800,000
Commercial Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Total		3,071,760,000		3,071,760,000				2,950,424,000
Financing Receivable Recorded Investment, Nonaccrual Status, Approximation		300,000		300,000
Financing Receivable, Nonaccrual		248,000		248,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Financing Receivable, before Allowance for Credit Loss, Total	[1]	1,187,650,000		1,187,650,000				1,137,419,000
Financing Receivable, Troubled Debt Restructuring		9,938,000	5,563,000	9,938,000	5,563,000	$ 2,829,000		4,973,000	$ 3,760,000	$ 6,414,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member] | Grades 1-4 [Member]
Financing Receivable, before Allowance for Credit Loss, Total	[2]	726,012,000		726,012,000				729,224,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member] | SBA, CARES Act, Paycheck Protection Program [Member]
Financing Receivable, before Allowance for Credit Loss, Total		2,900,000		2,900,000				40,100,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member] | SBA, CARES Act, Paycheck Protection Program [Member] | Grades 1-4 [Member]
Financing Receivable, before Allowance for Credit Loss, Total		2,900,000		2,900,000				40,100,000
Retail Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Total		652,040,000		652,040,000				503,035,000
Financing Receivable, Nonaccrual		1,539,000		1,539,000
Retail Portfolio Segment [Member] | Home Equity Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		33,300,000		33,300,000				29,500,000
Retail Portfolio Segment [Member] | Other Consumer Loans [Member]
Financing Receivable, before Allowance for Credit Loss, Total	[3]	28,441,000		28,441,000				60,488,000
Financing Receivable, Troubled Debt Restructuring		3,000	1,396,000	3,000	1,396,000	13,000		1,202,000	1,099,000	1,146,000
Retail Portfolio Segment [Member] | Other Consumer Loans [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Financing Receivable, Troubled Debt Restructuring							$ (1,200,000)
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Financing Receivable, before Allowance for Credit Loss, Total		623,599,000		623,599,000				442,547,000
Financing Receivable, Troubled Debt Restructuring		$ 2,339,000	$ 699,000	$ 2,339,000	$ 699,000	$ 2,346,000		$ 627,000	$ 820,000	$ 806,000
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Financing Receivable, Troubled Debt Restructuring							$ 1,200,000
[1]For June 30, 2022, and December 31, 2021, includes $2.9 million and $40.1 million in loans originated under the Paycheck Protection Program, respectively.[2]Included in Commercial and Industrial Loans Grades 1 – 4 are $40.1 million of loans originated under the Paycheck Protection Program.[3]In conjunction with the adoption of the CECL methodology effective January 1, 2022, home equity lines of credit were reclassified to 1-4 family mortgage loans from other consumer loans. Home equity lines of credit totaled $33.3 million and $29.5 million as of June 30, 2022 and December 31, 2021, respectively.

Note 3 - Loans and Allowance _4

Note 3 - Loans and Allowance for Credit Losses - Components of Loan Portfolio (Details) - USD ($)		6 Months Ended
		Jun. 30, 2022	Dec. 31, 2021
Loans		$ 3,723,800,000	$ 3,453,459,000
Percent of portfolio		100%	100%
Period increase (decrease)		7.80%
Commercial Portfolio Segment [Member]
Loans		$ 3,071,760,000	$ 2,950,424,000
Percent of portfolio		82.50%	85.40%
Period increase (decrease)		4.10%
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans	[1]	$ 1,187,650,000	$ 1,137,419,000
Percent of portfolio	[1]	31.90%	32.90%
Period increase (decrease)	[1]	4.40%
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Loans		$ 57,808,000	$ 43,239,000
Percent of portfolio		1.60%	1.30%
Period increase (decrease)		33.70%
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Loans		$ 598,593,000	$ 565,758,000
Percent of portfolio		16.10%	16.40%
Period increase (decrease)		5.80%
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Loans		$ 1,003,118,000	$ 1,027,415,000
Percent of portfolio		26.90%	29.70%
Period increase (decrease)		(2.40%)
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Loans		$ 224,591,000	$ 176,593,000
Percent of portfolio		6%	5.10%
Period increase (decrease)		27.20%
Retail Portfolio Segment [Member]
Loans		$ 652,040,000	$ 503,035,000
Percent of portfolio		17.50%	14.60%
Period increase (decrease)		29.60%
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Loans		$ 623,599,000	$ 442,547,000
Percent of portfolio		16.70%	12.80%
Period increase (decrease)		40.90%
Retail Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans	[2]	$ 28,441,000	$ 60,488,000
Percent of portfolio	[2]	0.80%	1.80%
Period increase (decrease)	[2]	(53.00%)
[1]For June 30, 2022, and December 31, 2021, includes $2.9 million and $40.1 million in loans originated under the Paycheck Protection Program, respectively.[2]In conjunction with the adoption of the CECL methodology effective January 1, 2022, home equity lines of credit were reclassified to 1-4 family mortgage loans from other consumer loans. Home equity lines of credit totaled $33.3 million and $29.5 million as of June 30, 2022 and December 31, 2021, respectively.

Note 3 - Loans and Allowance _5

Note 3 - Loans and Allowance for Credit Losses - Nonperforming Loans (Details) - USD ($)	Jun. 30, 2022	Dec. 31, 2021
Loans past due 90 days or more still accruing interest	$ 0	$ 155,000
Nonaccrual loans	1,787,000
Commercial Portfolio Segment [Member]
Loans past due 90 days or more still accruing interest	0	155,000
Nonaccrual loans	248,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans past due 90 days or more still accruing interest	0	155,000
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
Nonaccrual loans	1,539,000
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Loans past due 90 days or more still accruing interest	0	0
Retail Portfolio Segment [Member] | Other Consumer Loans [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	155,000
Nonaccrual loans	1,787,000	2,313,000
Total nonperforming loans	1,787,000	2,468,000
Nonperforming Financial Instruments [Member] | Commercial Portfolio Segment [Member]
Total nonperforming loans	248,000	663,000
Nonperforming Financial Instruments [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Total nonperforming loans	248,000	663,000
Nonperforming Financial Instruments [Member] | Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Total nonperforming loans	0	0
Nonperforming Financial Instruments [Member] | Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Total nonperforming loans	0	0
Nonperforming Financial Instruments [Member] | Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Total nonperforming loans	0	0
Nonperforming Financial Instruments [Member] | Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Total nonperforming loans	0	0
Nonperforming Financial Instruments [Member] | Retail Portfolio Segment [Member]
Total nonperforming loans	1,539,000	1,805,000
Nonperforming Financial Instruments [Member] | Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Total nonperforming loans	1,538,000	1,686,000
Nonperforming Financial Instruments [Member] | Retail Portfolio Segment [Member] | Other Consumer Loans [Member]
Total nonperforming loans	$ 1,000	$ 119,000

Note 3 - Loans and Allowance _6

Note 3 - Loans and Allowance for Credit Losses - Age Analysis of Past Due Loans (Details) - USD ($)		Jun. 30, 2022	Dec. 31, 2021
Financing Receivable, before Allowance for Credit Loss, Total		$ 3,723,800,000	$ 3,453,459,000
Loans past due 90 days or more still accruing interest		0	155,000
Commercial Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Total		3,071,760,000	2,950,424,000
Loans past due 90 days or more still accruing interest		0	155,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Financing Receivable, before Allowance for Credit Loss, Total	[1]	1,187,650,000	1,137,419,000
Loans past due 90 days or more still accruing interest		0	155,000
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		57,808,000	43,239,000
Loans past due 90 days or more still accruing interest		0	0
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		598,593,000	565,758,000
Loans past due 90 days or more still accruing interest		0	0
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		1,003,118,000	1,027,415,000
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]
Financing Receivable, before Allowance for Credit Loss, Total		224,591,000	176,593,000
Loans past due 90 days or more still accruing interest		0	0
Retail Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Total		652,040,000	503,035,000
Loans past due 90 days or more still accruing interest		0	0
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Financing Receivable, before Allowance for Credit Loss, Total		623,599,000	442,547,000
Loans past due 90 days or more still accruing interest		0	0
Retail Portfolio Segment [Member] | Other Consumer Loans [Member]
Financing Receivable, before Allowance for Credit Loss, Total	[2]	28,441,000	60,488,000
Loans past due 90 days or more still accruing interest		0	0
Financial Asset, 30 to 59 Days Past Due [Member]
Financing Receivable, before Allowance for Credit Loss, Total		105,000	1,424,000
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	27,000
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	14,000
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	13,000
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Retail Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Total		105,000	1,397,000
Financial Asset, 30 to 59 Days Past Due [Member] | Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Financing Receivable, before Allowance for Credit Loss, Total		102,000	1,265,000
Financial Asset, 30 to 59 Days Past Due [Member] | Retail Portfolio Segment [Member] | Other Consumer Loans [Member]
Financing Receivable, before Allowance for Credit Loss, Total		3,000	132,000
Financial Asset, 60 to 89 Days Past Due [Member]
Financing Receivable, before Allowance for Credit Loss, Total		107,000	243,000
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Financing Receivable, before Allowance for Credit Loss, Total		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]
Financing Receivable, before Allowance for Credit Loss, Total		0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Retail Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Total		107,000	243,000
Financial Asset, 60 to 89 Days Past Due [Member] | Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Financing Receivable, before Allowance for Credit Loss, Total		107,000	241,000
Financial Asset, 60 to 89 Days Past Due [Member] | Retail Portfolio Segment [Member] | Other Consumer Loans [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	2,000
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Financing Receivable, before Allowance for Credit Loss, Total		207,000	295,000
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	193,000
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	193,000
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]
Financing Receivable, before Allowance for Credit Loss, Total		0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		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]
Financing Receivable, before Allowance for Credit Loss, Total		0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Retail Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Total		207,000	102,000
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Financing Receivable, before Allowance for Credit Loss, Total		207,000	82,000
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Retail Portfolio Segment [Member] | Other Consumer Loans [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	20,000
Financial Asset, Past Due [Member]
Financing Receivable, before Allowance for Credit Loss, Total		419,000	1,962,000
Financial Asset, Past Due [Member] | Commercial Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	220,000
Financial Asset, Past Due [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	207,000
Financial Asset, Past Due [Member] | Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	13,000
Financial Asset, Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	0
Financial Asset, Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	0
Financial Asset, Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		0	0
Financial Asset, Past Due [Member] | Retail Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Total		419,000	1,742,000
Financial Asset, Past Due [Member] | Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Financing Receivable, before Allowance for Credit Loss, Total		416,000	1,588,000
Financial Asset, Past Due [Member] | Retail Portfolio Segment [Member] | Other Consumer Loans [Member]
Financing Receivable, before Allowance for Credit Loss, Total		3,000	154,000
Financial Asset, Not Past Due [Member]
Financing Receivable, before Allowance for Credit Loss, Total		3,723,381,000	3,451,497,000
Financial Asset, Not Past Due [Member] | Commercial Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Total		3,071,760,000	2,950,204,000
Financial Asset, Not Past Due [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Financing Receivable, before Allowance for Credit Loss, Total		1,187,650,000	1,137,212,000
Financial Asset, Not Past Due [Member] | Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		57,808,000	43,226,000
Financial Asset, Not Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		598,593,000	565,758,000
Financial Asset, Not Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		1,003,118,000	1,027,415,000
Financial Asset, Not Past Due [Member] | Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Financing Receivable, before Allowance for Credit Loss, Total		224,591,000	176,593,000
Financial Asset, Not Past Due [Member] | Retail Portfolio Segment [Member]
Financing Receivable, before Allowance for Credit Loss, Total		651,621,000	501,293,000
Financial Asset, Not Past Due [Member] | Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Financing Receivable, before Allowance for Credit Loss, Total		623,183,000	440,959,000
Financial Asset, Not Past Due [Member] | Retail Portfolio Segment [Member] | Other Consumer Loans [Member]
Financing Receivable, before Allowance for Credit Loss, Total		$ 28,438,000	$ 60,334,000
[1]For June 30, 2022, and December 31, 2021, includes $2.9 million and $40.1 million in loans originated under the Paycheck Protection Program, respectively.[2]In conjunction with the adoption of the CECL methodology effective January 1, 2022, home equity lines of credit were reclassified to 1-4 family mortgage loans from other consumer loans. Home equity lines of credit totaled $33.3 million and $29.5 million as of June 30, 2022 and December 31, 2021, respectively.

Note 3 - Loans and Allowance _7

Note 3 - Loans and Allowance for Credit Losses - Nonaccrual Loans (Details)	Jun. 30, 2022 USD ($)
Recorded Principal Balance, With no Allowance Recorded	$ 1,703,000
Recorded Principal Balance, With Allowance Recorded	84,000
Financing Receivable, Nonaccrual, Allowance	48,000
Nonaccrual loans	1,787,000
Commercial Portfolio Segment [Member]
Recorded Principal Balance, With no Allowance Recorded	248,000
Recorded Principal Balance, With Allowance Recorded	0
Financing Receivable, Nonaccrual, Allowance	0
Nonaccrual loans	248,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Recorded Principal Balance, With no Allowance Recorded	248,000
Recorded Principal Balance, With Allowance Recorded	0
Financing Receivable, Nonaccrual, Allowance	0
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Recorded Principal Balance, With no Allowance Recorded	0
Recorded Principal Balance, With Allowance Recorded	0
Financing Receivable, Nonaccrual, Allowance	0
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Recorded Principal Balance, With no Allowance Recorded	0
Recorded Principal Balance, With Allowance Recorded	0
Financing Receivable, Nonaccrual, Allowance	0
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Recorded Principal Balance, With no Allowance Recorded	0
Recorded Principal Balance, With Allowance Recorded	0
Financing Receivable, Nonaccrual, Allowance	0
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Recorded Principal Balance, With no Allowance Recorded	0
Recorded Principal Balance, With Allowance Recorded	0
Financing Receivable, Nonaccrual, Allowance	0
Retail Portfolio Segment [Member]
Recorded Principal Balance, With no Allowance Recorded	1,455,000
Recorded Principal Balance, With Allowance Recorded	84,000
Financing Receivable, Nonaccrual, Allowance	48,000
Nonaccrual loans	1,539,000
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Recorded Principal Balance, With no Allowance Recorded	1,000
Recorded Principal Balance, With Allowance Recorded	84,000
Financing Receivable, Nonaccrual, Allowance	48,000
Retail Portfolio Segment [Member] | Other Consumer Loans [Member]
Recorded Principal Balance, With no Allowance Recorded	1,454,000
Recorded Principal Balance, With Allowance Recorded	0
Financing Receivable, Nonaccrual, Allowance	$ 0

Note 3 - Loans and Allowance _8

Note 3 - Loans and Allowance for Loan Losses - Impaired Loans (Details) - USD ($)	3 Months Ended	6 Months Ended
	Jun. 30, 2021	Jun. 30, 2021	Dec. 31, 2021
With no related allowance recorded, unpaid principal balance			$ 16,997,000
With no related allowance recorded, principal balance			15,715,000
With no related allowance recorded, average recorded principal balance	$ 19,863,000	$ 21,488,000
With related allowance recorded, unpaid principal balance			3,671,000
With related allowance recorded, principal balance			3,651,000
Related allowance			546,000
With related allowance recorded, average recorded principal balance	3,512,000	3,082,000
Total unpaid principal balance			20,668,000
Total principal balance			19,366,000
Total average recorded principal balance	23,375,000	24,570,000
Commercial Portfolio Segment [Member]
With no related allowance recorded, unpaid principal balance			12,658,000
With no related allowance recorded, principal balance			12,583,000
With no related allowance recorded, average recorded principal balance	16,399,000	17,992,000
With related allowance recorded, unpaid principal balance			3,099,000
With related allowance recorded, principal balance			3,099,000
Related allowance			354,000
With related allowance recorded, average recorded principal balance	2,689,000	2,206,000
Total unpaid principal balance			15,757,000
Total principal balance			15,682,000
Total average recorded principal balance	19,088,000	20,198,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
With no related allowance recorded, unpaid principal balance			2,893,000
With no related allowance recorded, principal balance			2,818,000
With no related allowance recorded, average recorded principal balance	3,129,000	4,167,000
With related allowance recorded, unpaid principal balance			2,192,000
With related allowance recorded, principal balance			2,192,000
Related allowance			266,000
With related allowance recorded, average recorded principal balance	1,661,000	1,222,000
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
With no related allowance recorded, unpaid principal balance			0
With no related allowance recorded, principal balance			0
With no related allowance recorded, average recorded principal balance	0	0
With related allowance recorded, unpaid principal balance			0
With related allowance recorded, principal balance			0
Related allowance			0
With related allowance recorded, average recorded principal balance	0	0
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
With no related allowance recorded, unpaid principal balance			9,674,000
With no related allowance recorded, principal balance			9,674,000
With no related allowance recorded, average recorded principal balance	13,114,000	13,607,000
With related allowance recorded, unpaid principal balance			761,000
With related allowance recorded, principal balance			761,000
Related allowance			84,000
With related allowance recorded, average recorded principal balance	872,000	826,000
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
With no related allowance recorded, unpaid principal balance			0
With no related allowance recorded, principal balance			0
With no related allowance recorded, average recorded principal balance	156,000	218,000
With related allowance recorded, unpaid principal balance			146,000
With related allowance recorded, principal balance			146,000
Related allowance			4,000
With related allowance recorded, average recorded principal balance	156,000	158,000
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
With no related allowance recorded, unpaid principal balance			91,000
With no related allowance recorded, principal balance			91,000
With no related allowance recorded, average recorded principal balance	0	0
With related allowance recorded, unpaid principal balance			0
With related allowance recorded, principal balance			0
Related allowance			0
With related allowance recorded, average recorded principal balance	0	0
Retail Portfolio Segment [Member]
With no related allowance recorded, unpaid principal balance			4,339,000
With no related allowance recorded, principal balance			3,132,000
With no related allowance recorded, average recorded principal balance	3,464,000	3,496,000
With related allowance recorded, unpaid principal balance			572,000
With related allowance recorded, principal balance			552,000
Related allowance			192,000
With related allowance recorded, average recorded principal balance	823,000	876,000
Total unpaid principal balance			4,911,000
Total principal balance			3,684,000
Total average recorded principal balance	4,287,000	4,372,000
Retail Portfolio Segment [Member] | Home Equity and Other [Member]
With no related allowance recorded, unpaid principal balance			1,173,000
With no related allowance recorded, principal balance			1,107,000
With no related allowance recorded, average recorded principal balance	1,088,000	1,054,000
With related allowance recorded, unpaid principal balance			160,000
With related allowance recorded, principal balance			140,000
Related allowance			123,000
With related allowance recorded, average recorded principal balance	242,000	256,000
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
With no related allowance recorded, unpaid principal balance			3,166,000
With no related allowance recorded, principal balance			2,025,000
With no related allowance recorded, average recorded principal balance	2,376,000	2,442,000
With related allowance recorded, unpaid principal balance			412,000
With related allowance recorded, principal balance			412,000
Related allowance			$ 69,000
With related allowance recorded, average recorded principal balance	$ 581,000	$ 620,000

Note 3 - Loans and Allowance _9

Note 3 - Loans and Allowance for Credit Losses - Loans by Credit Quality Indicators (Details) - USD ($)		Jun. 30, 2022	Dec. 31, 2021
Loans		$ 3,723,800,000	$ 3,453,459,000
Commercial Portfolio Segment [Member]
Loans		3,071,760,000	2,950,424,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans	[1]	1,187,650,000	1,137,419,000
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Loans		57,808,000	43,239,000
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Loans		598,593,000	565,758,000
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Loans		1,003,118,000	1,027,415,000
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Loans		224,591,000	176,593,000
Grades 1-4 [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans	[2]	726,012,000	729,224,000
Grades 1-4 [Member] | Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Loans		40,317,000	28,390,000
Grades 1-4 [Member] | Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Loans		363,381,000	346,082,000
Grades 1-4 [Member] | Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Loans		508,666,000	503,482,000
Grades 1-4 [Member] | Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Loans		136,632,000	119,473,000
Grades 5-7 [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans		454,518,000	398,378,000
Grades 5-7 [Member] | Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Loans		17,379,000	14,730,000
Grades 5-7 [Member] | Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Loans		234,999,000	208,060,000
Grades 5-7 [Member] | Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Loans		481,799,000	511,280,000
Grades 5-7 [Member] | Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Loans		87,816,000	56,968,000
Grades 8-9 [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans		7,120,000	9,817,000
Grades 8-9 [Member] | Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Loans		112,000	119,000
Grades 8-9 [Member] | Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Loans		213,000	11,616,000
Grades 8-9 [Member] | Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Loans		12,653,000	12,653,000
Grades 8-9 [Member] | Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Loans		$ 143,000	$ 152,000
[1]For June 30, 2022, and December 31, 2021, includes $2.9 million and $40.1 million in loans originated under the Paycheck Protection Program, respectively.[2]Included in Commercial and Industrial Loans Grades 1 – 4 are $40.1 million of loans originated under the Paycheck Protection Program.

Note 3 - Loans and Allowance_10

Note 3 - Loans and Allowance for Credit Losses - Retail Credit Exposure (Details) - USD ($)		Jun. 30, 2022	Dec. 31, 2021
Loans		$ 3,723,800,000	$ 3,453,459,000
Retail Portfolio Segment [Member]
Loans		652,040,000	503,035,000
Retail Portfolio Segment [Member] | Other Consumer Loans [Member]
Loans	[1]	28,441,000	60,488,000
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Loans		623,599,000	442,547,000
Retail Portfolio Segment [Member] | Performing Financial Instruments [Member] | Other Consumer Loans [Member]
Loans		28,440,000	60,369,000
Retail Portfolio Segment [Member] | Performing Financial Instruments [Member] | One to Four Family Mortgages [Member]
Loans		622,061,000	440,861,000
Retail Portfolio Segment [Member] | Nonperforming Financial Instruments [Member] | Other Consumer Loans [Member]
Loans		1,000	119,000
Retail Portfolio Segment [Member] | Nonperforming Financial Instruments [Member] | One to Four Family Mortgages [Member]
Loans		$ 1,538,000	$ 1,686,000
[1]In conjunction with the adoption of the CECL methodology effective January 1, 2022, home equity lines of credit were reclassified to 1-4 family mortgage loans from other consumer loans. Home equity lines of credit totaled $33.3 million and $29.5 million as of June 30, 2022 and December 31, 2021, respectively.

Note 3 - Loans and Allowance_11

Note 3 - Loans and Allowance for Credit Losses - Loan Vintage (Details) - USD ($)		Jun. 30, 2022	Dec. 31, 2021
Financing Receivable, Year One, Originated, Current Fiscal Year		$ 788,975,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		1,228,419,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		652,948,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		182,743,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		89,667,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		151,873,000
Financing Receivable, Term Loan		3,094,625,000
Financing Receivable, Revolving		629,175,000
Loans		3,723,800,000	$ 3,453,459,000
Commercial Portfolio Segment [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		611,831,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		984,365,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		554,015,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		167,334,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		73,500,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		101,825,000
Financing Receivable, Term Loan		2,492,870,000
Financing Receivable, Revolving		578,890,000
Loans		3,071,760,000	2,950,424,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		199,594,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		251,883,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		116,807,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		23,322,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		5,921,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		11,579,000
Financing Receivable, Term Loan		609,106,000
Financing Receivable, Revolving		578,544,000
Loans	[1]	1,187,650,000	1,137,419,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member] | Grades 1-4 [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		73,547,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		183,393,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		54,533,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		13,863,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		3,792,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		10,932,000
Financing Receivable, Term Loan		340,060,000
Financing Receivable, Revolving		385,952,000
Loans	[2]	726,012,000	729,224,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member] | Grades 5-7 [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		122,198,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		68,241,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		62,274,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		9,459,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		2,074,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		600,000
Financing Receivable, Term Loan		264,846,000
Financing Receivable, Revolving		189,672,000
Loans		454,518,000	398,378,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member] | Grades 8-9 [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		3,849,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		249,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		55,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		47,000
Financing Receivable, Term Loan		4,200,000
Financing Receivable, Revolving		2,920,000
Loans		7,120,000	9,817,000
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		22,259,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		29,656,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		4,232,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		55,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		16,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		1,244,000
Financing Receivable, Term Loan		57,462,000
Financing Receivable, Revolving		346,000
Loans		57,808,000	43,239,000
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member] | Grades 1-4 [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		17,011,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		19,004,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		3,660,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		354,000
Financing Receivable, Term Loan		40,029,000
Financing Receivable, Revolving		288,000
Loans		40,317,000	28,390,000
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member] | Grades 5-7 [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		5,248,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		10,652,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		572,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		55,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		794,000
Financing Receivable, Term Loan		17,321,000
Financing Receivable, Revolving		58,000
Loans		17,379,000	14,730,000
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member] | Grades 8-9 [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		16,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		96,000
Financing Receivable, Term Loan		112,000
Financing Receivable, Revolving		0
Loans		112,000	119,000
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		169,969,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		240,022,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		103,737,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		32,270,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		34,803,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		17,792,000
Financing Receivable, Term Loan		598,593,000
Financing Receivable, Revolving		0
Loans		598,593,000	565,758,000
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member] | Grades 1-4 [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		81,554,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		175,628,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		63,568,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		20,865,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		10,866,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		10,900,000
Financing Receivable, Term Loan		363,381,000
Financing Receivable, Revolving		0
Loans		363,381,000	346,082,000
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member] | Grades 5-7 [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		88,415,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		64,394,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		40,122,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		11,405,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		23,771,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		6,892,000
Financing Receivable, Term Loan		234,999,000
Financing Receivable, Revolving		0
Loans		234,999,000	208,060,000
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member] | Grades 8-9 [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		0
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		47,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		166,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		0
Financing Receivable, Term Loan		213,000
Financing Receivable, Revolving		0
Loans		213,000	11,616,000
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		154,431,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		377,718,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		277,444,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		102,433,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		26,048,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		65,044,000
Financing Receivable, Term Loan		1,003,118,000
Financing Receivable, Revolving		0
Loans		1,003,118,000	1,027,415,000
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member] | Grades 1-4 [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		64,529,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		193,494,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		144,040,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		78,997,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		10,428,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		17,178,000
Financing Receivable, Term Loan		508,666,000
Financing Receivable, Revolving		0
Loans		508,666,000	503,482,000
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member] | Grades 5-7 [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		83,053,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		178,420,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		133,404,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		23,436,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		15,620,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		47,866,000
Financing Receivable, Term Loan		481,799,000
Financing Receivable, Revolving		0
Loans		481,799,000	511,280,000
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member] | Grades 8-9 [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		6,849,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		5,804,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		0
Financing Receivable, Term Loan		12,653,000
Financing Receivable, Revolving		0
Loans		12,653,000	12,653,000
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		65,578,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		85,086,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		51,795,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		9,254,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		6,712,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		6,166,000
Financing Receivable, Term Loan		224,591,000
Financing Receivable, Revolving		0
Loans		224,591,000	176,593,000
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member] | Grades 1-4 [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		26,872,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		58,323,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		37,867,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		5,768,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		3,121,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		4,681,000
Financing Receivable, Term Loan		136,632,000
Financing Receivable, Revolving		0
Loans		136,632,000	119,473,000
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member] | Grades 5-7 [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		38,618,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		26,763,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		13,928,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		3,486,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		3,591,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		1,430,000
Financing Receivable, Term Loan		87,816,000
Financing Receivable, Revolving		0
Loans		87,816,000	56,968,000
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member] | Grades 8-9 [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		88,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		0
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		0
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		0
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		0
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		55,000
Financing Receivable, Term Loan		143,000
Financing Receivable, Revolving		0
Loans		143,000	152,000
Retail Portfolio Segment [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		177,144,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		244,054,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		98,933,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		15,409,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		16,167,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		50,048,000
Financing Receivable, Term Loan		601,755,000
Financing Receivable, Revolving		50,285,000
Loans		652,040,000	503,035,000
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		174,239,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		240,232,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		97,334,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		13,962,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		15,543,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		49,346,000
Financing Receivable, Term Loan		590,656,000
Financing Receivable, Revolving		32,943,000
Loans		623,599,000	442,547,000
Retail Portfolio Segment [Member] | Other Consumer Loans [Member]
Financing Receivable, Year One, Originated, Current Fiscal Year		2,905,000
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year		3,822,000
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year		1,599,000
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year		1,447,000
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year		624,000
Financing Receivable, Originated, More than Five Years before Current Fiscal Year		702,000
Financing Receivable, Term Loan		11,099,000
Financing Receivable, Revolving		17,342,000
Loans	[3]	$ 28,441,000	$ 60,488,000
[1]For June 30, 2022, and December 31, 2021, includes $2.9 million and $40.1 million in loans originated under the Paycheck Protection Program, respectively.[2]Included in Commercial and Industrial Loans Grades 1 – 4 are $40.1 million of loans originated under the Paycheck Protection Program.[3]In conjunction with the adoption of the CECL methodology effective January 1, 2022, home equity lines of credit were reclassified to 1-4 family mortgage loans from other consumer loans. Home equity lines of credit totaled $33.3 million and $29.5 million as of June 30, 2022 and December 31, 2021, respectively.

Note 3 - Loans and Allowance_12

Note 3 - Loans and Allowance for Credit Losses - Activity in Allowance for Loan Losses and the Recorded Investments in Loans (Details) - USD ($)		3 Months Ended		6 Months Ended
		Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Balance		$ 35,153,000	$ 38,695,000	$ 35,363,000	$ 37,967,000
Provision for credit losses		500,000	(3,100,000)	600,000	(2,800,000)
Charge-offs		(15,000)	(68,000)	(220,000)	(121,000)
Recoveries		336,000	386,000	631,000	867,000
Balance		35,974,000	35,913,000	35,974,000	35,913,000
Ending balance: individually evaluated for impairment			787,000		787,000
Ending balance: collectively evaluated for impairment			35,126,000		35,126,000
Ending balance	[1]					$ 3,413,349,000
Ending balance: individually evaluated for impairment	[1]					19,366,000
Ending balance: collectively evaluated for impairment	[1]					3,393,983,000
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance				(400,000)
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Balance		8,413,000	10,111,000	10,782,000	9,424,000
Provision for credit losses		150,000	(764,000)	(592,000)	(181,000)
Charge-offs		0	(54,000)	(171,000)	(54,000)
Recoveries		45,000	47,000	160,000	151,000
Balance		8,608,000	9,340,000	8,608,000	9,340,000
Ending balance: individually evaluated for impairment			355,000		355,000
Ending balance: collectively evaluated for impairment			8,985,000		8,985,000
Ending balance	[1]					1,097,309,000
Ending balance: individually evaluated for impairment	[1]					5,010,000
Ending balance: collectively evaluated for impairment	[1]					1,092,299,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance				(1,571,000)
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Balance		455,000	720,000	420,000	679,000
Provision for credit losses		(10,000)	(243,000)	96,000	(203,000)
Charge-offs		0	0	(29,000)	(15,000)
Recoveries		1,000	2,000	2,000	18,000
Balance		446,000	479,000	446,000	479,000
Ending balance: individually evaluated for impairment			0		0
Ending balance: collectively evaluated for impairment			479,000		479,000
Ending balance						43,239,000
Ending balance: individually evaluated for impairment						0
Ending balance: collectively evaluated for impairment						43,239,000
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance				(43,000)
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Balance		5,803,000	8,304,000	6,045,000	8,246,000
Provision for credit losses		(251,000)	(696,000)	35,000	(877,000)
Charge-offs		0	(12,000)	0	(12,000)
Recoveries		26,000	105,000	58,000	344,000
Balance		5,578,000	7,701,000	5,578,000	7,701,000
Ending balance: individually evaluated for impairment			117,000		117,000
Ending balance: collectively evaluated for impairment			7,584,000		7,584,000
Ending balance						565,758,000
Ending balance: individually evaluated for impairment						10,435,000
Ending balance: collectively evaluated for impairment						555,323,000
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance				(560,000)
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Balance		10,322,000	13,751,000	13,301,000	13,611,000
Provision for credit losses		(708,000)	(966,000)	(1,153,000)	(826,000)
Charge-offs		0	0	0	0
Recoveries		0	0	0	0
Balance		9,614,000	12,785,000	9,614,000	12,785,000
Ending balance: individually evaluated for impairment			5,000		5,000
Ending balance: collectively evaluated for impairment			12,780,000		12,780,000
Ending balance						1,027,415,000
Ending balance: individually evaluated for impairment						146,000
Ending balance: collectively evaluated for impairment						1,027,269,000
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance				(2,534,000)
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Balance		1,276,000	1,825,000	1,695,000	1,819,000
Provision for credit losses		(8,000)	(38,000)	186,000	(32,000)
Charge-offs		0	0	0	0
Recoveries		6,000	0	14,000	0
Balance		1,274,000	1,787,000	1,274,000	1,787,000
Ending balance: individually evaluated for impairment			0		0
Ending balance: collectively evaluated for impairment			1,787,000		1,787,000
Ending balance						176,593,000
Ending balance: individually evaluated for impairment						91,000
Ending balance: collectively evaluated for impairment						176,502,000
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance				(621,000)
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Balance		8,562,000	2,953,000	2,449,000	3,240,000
Provision for credit losses		1,464,000	(263,000)	2,057,000	(600,000)
Charge-offs		0	0	(2,000)	(34,000)
Recoveries		241,000	204,000	368,000	288,000
Balance		10,267,000	2,894,000	10,267,000	2,894,000
Ending balance: individually evaluated for impairment			103,000		103,000
Ending balance: collectively evaluated for impairment			2,791,000		2,791,000
Ending balance						442,547,000
Ending balance: individually evaluated for impairment						2,437,000
Ending balance: collectively evaluated for impairment						440,110,000
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance				5,395,000
Retail Portfolio Segment [Member] | Home Equity and Other [Member]
Balance		191,000	841,000	626,000	889,000
Provision for credit losses		(28,000)	(125,000)	(61,000)	(207,000)
Charge-offs		(15,000)	(2,000)	(18,000)	(6,000)
Recoveries		17,000	28,000	29,000	66,000
Balance		165,000	742,000	165,000	742,000
Ending balance: individually evaluated for impairment			207,000		207,000
Ending balance: collectively evaluated for impairment			535,000		535,000
Ending balance						60,488,000
Ending balance: individually evaluated for impairment						1,247,000
Ending balance: collectively evaluated for impairment						$ 59,241,000
Retail Portfolio Segment [Member] | Home Equity and Other [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance				(411,000)
Unallocated Financing Receivables [Member]
Balance		131,000	190,000	45,000	59,000
Provision for credit losses		(109,000)	(5,000)	32,000	126,000
Charge-offs		0	0	0	0
Recoveries		0	0	0	0
Balance		$ 22,000	185,000	22,000	185,000
Ending balance: individually evaluated for impairment			0		0
Ending balance: collectively evaluated for impairment			$ 185,000		$ 185,000
Unallocated Financing Receivables [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]
Balance				$ (55,000)
[1]Excludes $40.1 million in loans originated under the Paycheck Protection Program.

Note 3 - Loans and Allowance_13

Note 3 - Loans and Allowance for Credit Losses - Loans Modified as Troubled Debt Restructurings (Details)	3 Months Ended		6 Months Ended
	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($)	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($)
Number of Contracts	3	13	5	16
Pre- Modification Recorded Principal Balance	$ 6,657,000	$ 3,947,000	$ 6,785,000	$ 4,077,000
Post- Modification Recorded Principal Balance	$ 6,657,000	$ 3,945,000	$ 6,785,000	$ 4,073,000
Commercial Portfolio Segment [Member]
Number of Contracts	2	9	2	10
Pre- Modification Recorded Principal Balance	$ 6,573,000	$ 3,523,000	$ 6,573,000	$ 3,546,000
Post- Modification Recorded Principal Balance	$ 6,573,000	$ 3,523,000	$ 6,573,000	$ 3,545,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Number of Contracts	2	8	2	9
Pre- Modification Recorded Principal Balance	$ 6,573,000	$ 2,831,000	$ 6,573,000	$ 2,854,000
Post- Modification Recorded Principal Balance	$ 6,573,000	$ 2,831,000	$ 6,573,000	$ 2,853,000
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	0	1
Pre- Modification Recorded Principal Balance	$ 0	$ 692,000	$ 0	$ 692,000
Post- Modification Recorded Principal Balance	$ 0	$ 692,000	$ 0	$ 692,000
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	1	4	3	6
Pre- Modification Recorded Principal Balance	$ 84,000	$ 424,000	$ 212,000	$ 531,000
Post- Modification Recorded Principal Balance	$ 84,000	$ 422,000	$ 212,000	$ 528,000
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Number of Contracts	1	1	3	2
Pre- Modification Recorded Principal Balance	$ 84,000	$ 10,000	$ 212,000	$ 46,000
Post- Modification Recorded Principal Balance	$ 84,000	$ 10,000	$ 212,000	$ 46,000
Retail Portfolio Segment [Member] | Other Consumer Loans [Member]
Number of Contracts	0	3	0	4
Pre- Modification Recorded Principal Balance	$ 0	$ 414,000	$ 0	$ 485,000
Post- Modification Recorded Principal Balance	$ 0	$ 412,000	$ 0	$ 482,000

Note 3 - Loans and Allowance_14

Note 3 - Loans and Allowance for Credit 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, 2022 USD ($)	Jun. 30, 2021 USD ($)	Jun. 30, 2022 USD ($)	Jun. 30, 2021 USD ($)
Number of Contracts	0	1	0	3
Recorded Principal Balance	$ 0	$ 431,000	$ 0	$ 953,000
Commercial Portfolio Segment [Member]
Number of Contracts	0	1	0	3
Recorded Principal Balance	$ 0	$ 431,000	$ 0	$ 953,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Number of Contracts	0	0	0	2
Recorded Principal Balance	$ 0	$ 0	$ 0	$ 522,000
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	1	0	1
Recorded Principal Balance	$ 0	$ 431,000	$ 0	$ 431,000
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	0	0
Recorded Principal Balance	$ 0	$ 0	$ 0	$ 0
Retail Portfolio Segment [Member] | Other Consumer Loans [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	0	0
Recorded Principal Balance	$ 0	$ 0	$ 0	$ 0

Note 3 - Loans and Allowance_15

Note 3 - Loans and Allowance for Loan Losses - Activity for Troubled Debt Restructurings (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022		Jun. 30, 2021
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Beginning Balance	$ 2,829,000	$ 3,760,000	$ 4,973,000		$ 6,414,000
Charge-Offs	0	0	0		0
Payments (net)	536,000	(845,000)	324,000		(3,521,000)
Transfers to ORE	0	0	0		0
Net Additions/Deletions	6,573,000	2,648,000	4,641,000		2,670,000
Ending Balance	9,938,000	5,563,000	9,938,000		5,563,000
Commercial Portfolio Segment [Member] | Vacant Land and Land Development and Residential Construction Loan [Member]
Beginning Balance	0	0	0		0
Charge-Offs	0	0	0		0
Payments (net)	0	0	0		0
Transfers to ORE	0	0	0		0
Net Additions/Deletions	0	0	0		0
Ending Balance	0	0	0		0
Commercial Portfolio Segment [Member] | Real Estate Owner Occupied Loan [Member]
Beginning Balance	89,000	13,887,000	10,435,000		14,797,000
Charge-Offs	0	0	0		0
Payments (net)	(2,000)	(685,000)	(9,679,000)		(1,595,000)
Transfers to ORE	0	0	0		0
Net Additions/Deletions	0	686,000	(669,000)		686,000
Ending Balance	87,000	13,888,000	87,000		13,888,000
Commercial Portfolio Segment [Member] | Real Estate Non Owner Occupied Loan [Member]
Beginning Balance	143,000	471,000	146,000		480,000
Charge-Offs	0	0	0		0
Payments (net)	(4,000)	(318,000)	(7,000)		(327,000)
Transfers to ORE	0	0	0		0
Net Additions/Deletions	0	0	0		0
Ending Balance	139,000	153,000	139,000		153,000
Commercial Portfolio Segment [Member] | Real Estate Multi Family and Residential Rental Loan [Member]
Beginning Balance	90,000	0	91,000		0
Charge-Offs	0	0	0		0
Payments (net)	(2,000)	0	(3,000)		0
Transfers to ORE	0	0	0		0
Net Additions/Deletions	0	0	0		0
Ending Balance	88,000	0	88,000		0
Retail Portfolio Segment [Member] | One to Four Family Mortgages [Member]
Beginning Balance	2,346,000	820,000	627,000		806,000
Charge-Offs	0	0	0		0
Payments (net)	(91,000)	(131,000)	(169,000)		(153,000)
Transfers to ORE	0	0	0		0
Net Additions/Deletions	84,000	10,000	1,881,000	[1]	46,000
Ending Balance	2,339,000	699,000	2,339,000		699,000
Retail Portfolio Segment [Member] | Other Consumer Loans [Member]
Beginning Balance	13,000	1,099,000	1,202,000		1,146,000
Charge-Offs	0	0	0		0
Payments (net)	(10,000)	(115,000)	(12,000)		(232,000)
Transfers to ORE	0	0	0		0
Net Additions/Deletions	0	412,000	(1,187,000)	[1]	482,000
Ending Balance	$ 3,000	$ 1,396,000	$ 3,000		$ 1,396,000
[1]Includes $1.2 million in the transfer of home equity lines of credit from other consumer loans to 1-4 family mortgages in association with the adoption of the CECL methodology effective January 1, 2022.

Note 4 - Premises and Equipme_3

Note 4 - Premises and Equipment, Net (Details Textual) - USD ($) $ in Millions		3 Months Ended		6 Months Ended
	Jul. 14, 2022	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Depreciation, Total		$ 1.5	$ 1.4	$ 3.1	$ 2.8
Operating Lease, Weighted Average Remaining Lease Term (Year)		2 years 6 months		2 years 6 months		2 years 9 months 18 days
Operating Lease, Weighted Average Discount Rate, Percent		4.70%		4.70%		4.70%
Operating Lease, Expense		$ 0.2	$ 0.2	$ 0.4	$ 0.4
Lessee, Operating Lease, Liability, to be Paid, Total		4.3		4.3		$ 3.6
Lessee, Operating Lease, Liability, to be Paid, Year One		0.6		0.6		0.8
Lessee, Operating Lease, Liability, to be Paid, Year Two and Year Three		1.2		1.2		1.4
Lessee, Operating Lease, Liability, to be Paid, Year Four and Year Five		0.2		0.2		0.3
Lessee, Operating Lease, Liability, to be Paid, after Year Five		2.3		2.3		1.1
Subsequent Event [Member]
Proceeds from Sale of Productive Assets, Total	$ 2.8
Gain (Loss) on Disposition of Property Plant Equipment, Excluding Oil and Gas Property and Timber Property	$ (0.4)
Premises and Equipment, Net [Member]
Operating Lease, Right-of-Use Asset		$ 3		$ 3		$ 3.6
Minimum [Member]
Lessee, Operating Lease, Renewal Term (Year)		3 years		3 years
Maximum [Member]
Lessee, Operating Lease, Renewal Term (Year)		5 years		5 years

Note 4 - Premises and Equipme_4

Note 4 - Premises and Equipment, Net - Summary of Premises and Equipment (Details) - USD ($)	Jun. 30, 2022	Dec. 31, 2021
Property, plant and equipment, gross	$ 87,706,000	$ 94,253,000
Less: accumulated depreciation	36,304,000	36,955,000
Premises and equipment, net	51,402,000	57,298,000
Land and Land Improvements [Member]
Property, plant and equipment, gross	13,504,000	15,111,000
Building [Member]
Property, plant and equipment, gross	51,555,000	56,168,000
Furniture and Fixtures [Member]
Property, plant and equipment, gross	$ 22,647,000	$ 22,974,000

Note 5 - Deposits (Details Text

Note 5 - Deposits (Details Textual) - USD ($)	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Deposits, Total	$ 3,873,893,000	$ 4,083,193,000
Increase (Decrease) in Deposits, Total	$ (209,000,000)
Aggregate Increase (Decrease) in Percentage of Deposits	(5.10%)
Time Deposits, at or Above FDIC Insurance Limit	$ 152,000,000	$ 207,000,000

Note 5 - Deposits - Summary of

Note 5 - Deposits - Summary of Deposits (Details) - USD ($)	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Noninterest-bearing demand	$ 1,740,432,000	$ 1,677,952,000
Noninterest-bearing demand, percentage	44.90%	41.10%
Noninterest-bearing demand, percent increase (decrease)	3.70%
Interest-bearing checking	$ 481,016,000	$ 538,838,000
Interest-bearing checking, percentage	12.40%	13.20%
Interest-bearing checking, percent increase (decrease)	(10.70%)
Money market	$ 889,035,000	$ 1,040,176,000
Money market, percentage	23%	25.50%
Money market, percent increase (decrease)	(14.50%)
Savings	$ 409,505,000	$ 394,330,000
Savings, percentage	10.60%	9.70%
Savings, percent increase (decrease)	3.80%
Local Time, under $100,000	$ 120,930,000	$ 132,776,000
Local Time, under $100,000, percentage	3.10%	3.20%
Local Time, under $100,000, percent increase (decrease)	(8.90%)
Local Time, $100,000 and over	$ 232,975,000	$ 275,208,000
Local Time, $100,000 and over, percentage	6%	6.70%
Local Time, $100,000 and over, percent increase (decrease)	(15.30%)
Total local deposits	$ 3,873,893,000	$ 4,059,280,000
Total local deposits, percentage	100%	99.40%
Total local deposits, percent increase (decrease)	(4.60%)
Out-of-area time, $100,000 and over	$ 0	$ 23,913,000
Out-of-area time, $100,000 and over, percentage	0%	0.60%
Out-of-area time, $100,000 and over, percent increase (decrease)	(100.00%)
Total deposits	$ 3,873,893,000	$ 4,083,193,000
Total deposits, percentage	100%	100%
Total deposits, percent increase (decrease)	(5.10%)

Note 6 - Securities Sold Unde_3

Note 6 - Securities Sold Under Agreements to Repurchase (Details Textual)	6 Months Ended
	Jun. 30, 2022
Repurchase Agreement Counterparty, Weighted Average Maturity of Agreements (Year)	1 year

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, 2022	Dec. 31, 2021
Securities sold under agreements to repurchase	$ 203,339,000	$ 197,463,000
Average daily balance during the period	196,327,000	158,855,000
Maximum daily balance during the period	$ 224,345,000	$ 209,093,000
Securities Sold under Agreements to Repurchase [Member]
Average interest rate at end of period	0.10%	0.11%
Average interest rate during the period	0.10%	0.11%

Note 7 - Federal Home Loan Ba_3

Note 7 - Federal Home Loan Bank of Indianapolis Advances (Details Textual) - USD ($)	Jun. 30, 2022	Dec. 31, 2021
Long-Term Federal Home Loan Bank Advances, Total	$ 362,263,000	$ 374,000,000
Line of Credit Facility, Maximum Borrowing Capacity	932,000,000
Line of Credit Facility, Remaining Borrowing Capacity	564,000,000
Federal Home Loan Bank of Indianapolis [Member] | Bullet Advances [member]
Long-Term Federal Home Loan Bank Advances, Total	$ 334,000,000	$ 374,000,000
Federal Home Loan Bank of Indianapolis [Member] | Bullet Advances [member] | Minimum [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] | Bullet Advances [member] | Maximum [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End	3.18%	3.18%
Federal Home Loan Bank of Indianapolis [Member] | Bullet Advances [member] | Weighted Average [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End	1.96%	2%
Federal Home Loan Bank of Indianapolis [Member] | Amortizing Advances [Member]
Long-Term Federal Home Loan Bank Advances, Total	$ 28,300,000	$ 0
Federal Home Loan Bank of Indianapolis [Member] | Amortizing Advances [Member] | Weighted Average [Member]
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Interest Rate at Period End	2.52%

Note 7 - Federal Home Loan Ba_4

Note 7 - Federal Home Loan Bank of Indianapolis Advances - Maturities of Currently Outstanding FHLB Advances (Details) - Federal Home Loan Bank of Indianapolis [Member]	Jun. 30, 2022 USD ($)
Bullet Advances [member]
2022	$ 54,000,000
2023	80,000,000
2024	80,000,000
2025	50,000,000
2026	30,000,000
Thereafter	40,000,000
Amortizing Advances [Member]
2022	0
2023	353,000
2024	826,000
2025	862,000
2026	899,000
Thereafter	$ 25,323,000

Note 8 - Commitments and Off-_3

Note 8 - Commitments and Off-balance Sheet Risk (Details Textual) - USD ($)	Jun. 30, 2022	Mar. 31, 2022	Dec. 31, 2021	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020
Financing Receivable, Allowance for Credit Loss, Ending Balance	$ 35,974,000	$ 35,153,000	$ 35,363,000	$ 35,913,000	$ 38,695,000	$ 37,967,000
Retail Lines of Credit and Credit Card Receivables [Member] | Maximum [Member]
Financing Receivable, Allowance for Credit Loss, Ending Balance	$ 200,000

Note 8 - Commitments and Off-_4

Note 8 - Commitments and Off-balance Sheet Risk - Exposure to Credit Losses (Details) - USD ($)	Jun. 30, 2022	Dec. 31, 2021
Contractual amounts of financial instruments with off-balance sheet risk	$ 1,711,453,000	$ 1,565,871,000
Standby Letters of Credit [Member]
Contractual amounts of financial instruments with off-balance sheet risk	35,005,000	33,109,000
Unused lines of Credit [Member] | Commercial Portfolio Segment [Member]
Contractual amounts of financial instruments with off-balance sheet risk	1,158,512,000	1,098,951,000
Unused lines of Credit [Member] | One to Four Family Mortgages [Member]
Contractual amounts of financial instruments with off-balance sheet risk	66,431,000	64,313,000
Unused lines of Credit [Member] | Consumer Credit Card [Member]
Contractual amounts of financial instruments with off-balance sheet risk	106,939,000	92,146,000
Unused lines of Credit [Member] | Consumer Other Financing Receivable 1 [Member]
Contractual amounts of financial instruments with off-balance sheet risk	91,987,000	64,876,000
Loan Origination Commitments [Member]
Contractual amounts of financial instruments with off-balance sheet risk	$ 252,579,000	$ 212,476,000

Note 9 - Derivatives and Hedg_3

Note 9 - Derivatives and Hedging Activities (Details Textual) - USD ($)	3 Months Ended		6 Months Ended		12 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021
Noninterest Income, Total	$ 7,741,000	$ 14,556,000	$ 17,018,000	$ 28,019,000
Noninterest Expense, Total	26,942,000	$ 26,192,000	52,684,000	$ 51,309,000
Interest Rate Swap [Member]
Noninterest Income, Total			100,000
Derivative Liability, Subject to Master Netting Arrangement, before Offset of Collateral, Total	17,200,000		17,200,000		$ 4,900,000
Derivative Asset, Subject to Master Netting Arrangement, Collateral, Obligation to Return Cash Not Offset	18,000,000		18,000,000
Derivative, Notional Amount	$ 340,692,000		$ 340,692,000		279,419,000
Noninterest Expense, Total					200,000
Derivative, Collateral, Right to Reclaim Cash					$ 3,600,000

Note 9 - Derivatives and Hedg_4

Note 9 - Derivatives and Hedging Activities - Fair Value of Derivative Instruments (Details) - Interest Rate Swap [Member] - USD ($)	Jun. 30, 2022	Dec. 31, 2021
Notional Amount	$ 340,692,000	$ 279,419,000
Other Assets [Member]
Derivative Assets Interest rate swaps	17,069,000
Other Liabilities [Member]
Derivative Liabilities Interest rate swaps	$ 17,196,000	$ 4,857,000

Note 10 - Fair Values of Fina_3

Note 10 - Fair Values of Financial Instruments - Fair Value Hierarchy of Financial Instruments (Details) - USD ($)		Jun. 30, 2022	Dec. 31, 2021
Securities available for sale		$ 603,638,000	$ 592,743,000
Mortgages Held-for-sale, Fair Value Disclosure		13,300,000	16,700,000
Reported Value Measurement [Member]
Securities available for sale	[1]	603,638,000	592,743,000
FHLBI stock	[2]	17,721,000	18,002,000
Mortgages Held-for-sale, Fair Value Disclosure		12,964,000	16,117,000
Estimate of Fair Value Measurement [Member]
Securities available for sale	[1]	603,638,000	592,743,000
FHLBI stock	[2]	17,721,000	18,002,000
Mortgages Held-for-sale, Fair Value Disclosure		13,283,000	16,707,000
Fair Value, Inputs, Level 1 [Member]
Securities available for sale		0	0
Fair Value, Inputs, Level 1 [Member] | Reported Value Measurement [Member]
Cash		18,692,000	17,872,000
Cash equivalents		460,413,000	957,288,000
Fair Value, Inputs, Level 1 [Member] | Estimate of Fair Value Measurement [Member]
Cash		18,692,000	17,872,000
Cash equivalents		460,413,000	957,288,000
Fair Value, Inputs, Level 3 [Member] | Reported Value Measurement [Member]
Loans, net		3,687,826,000	3,418,096,000
Fair Value, Inputs, Level 3 [Member] | Estimate of Fair Value Measurement [Member]
Loans, net		3,632,452,000	3,498,345,000
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member]
Mortgage servicing rights		12,286,000	12,248,000
Accrued interest receivable		10,884,000	9,311,000
Deposits		3,873,893,000	4,083,193,000
Repurchase agreements		203,339,000	197,463,000
FHLBI advances		362,263,000	374,000,000
Accrued interest payable		2,834,000	1,393,000
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Subordinated Debentures [Member]
Subordinated debt		48,585,000	48,244,000
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Subordinated Notes [Member]
Subordinated debt		88,457,000	73,646,000
Fair Value, Inputs, Level 2 [Member] | Reported Value Measurement [Member] | Interest Rate Swap [Member]
Interest rate swaps		17,069,000	4,609,000
Interest rate swaps		17,196,000	4,857,000
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member]
Mortgage servicing rights		16,547,000	15,445,000
Accrued interest receivable		10,884,000	9,311,000
Deposits		3,573,291,000	4,028,249,000
Repurchase agreements		203,339,000	197,463,000
FHLBI advances		347,018,000	384,927,000
Accrued interest payable		2,834,000	1,393,000
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Subordinated Debentures [Member]
Subordinated debt		52,820,000	48,284,000
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Subordinated Notes [Member]
Subordinated debt		83,679,000	73,646,000
Fair Value, Inputs, Level 2 [Member] | Estimate of Fair Value Measurement [Member] | Interest Rate Swap [Member]
Interest rate swaps		17,069,000	4,609,000
Interest rate swaps		$ 17,196,000	$ 4,857,000
[1]See Note 11 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 11 - Fair Values (Details

Note 11 - Fair Values (Details Textual) - USD ($)	6 Months Ended
	Jun. 30, 2022	Dec. 31, 2021
Debt Securities, Available-for-Sale, Total	$ 603,638,000	$ 592,743,000
Mortgages Held-for-sale, Fair Value Disclosure	$ 13,300,000	16,700,000
Real Estate Dependent Loans and Foreclosed Assets Estimated Selling Costs [Member]
Fair Value Inputs, Discount Factor	10%
Maximum [Member] | Real Estate Dependent Loans and Foreclosed Assets [Member] | Commercial Real Estate [Member]
Fair Value Inputs, Discount Factor	25%
Maximum [Member] | Real Estate Dependent Loans and Foreclosed Assets [Member] | Residential Real Estate [Member]
Fair Value Inputs, Discount Factor	50%
Minimum [Member] | Real Estate Dependent Loans and Foreclosed Assets [Member] | Commercial Real Estate [Member]
Fair Value Inputs, Discount Factor	15%
Minimum [Member] | Real Estate Dependent Loans and Foreclosed Assets [Member] | Residential Real Estate [Member]
Fair Value Inputs, Discount Factor	25%
Municipal General Obligation Bonds [Member]
Debt Securities, Available-for-Sale, Total	$ 137,673,000	137,594,000
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] | Maximum [Member]
Debt Securities, Available-for-Sale, Decrease Due to Scheduled Maturities	100,000
Available-for-Sale Securities [Member]
SEC Schedule, 12-09, Valuation Allowances and Reserves, Amount, Ending Balance	$ 0	$ 0

Note 11 - Fair Values - Assets

Note 11 - Fair Values - Assets and Liabilities Measured at Fair Value on a Recurring Basis (Details) - USD ($)	Jun. 30, 2022	Dec. 31, 2021
Debt Securities, Available-for-Sale, Total	$ 603,638,000	$ 592,743,000
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	407,335,000	390,371,000
Collateralized Mortgage-Backed Securities [Member]
Debt Securities, Available-for-Sale, Total	36,364,000	41,803,000
Municipal General Obligation Bonds [Member]
Debt Securities, Available-for-Sale, Total	137,673,000	137,594,000
Municipal Revenue Bonds [Member]
Debt Securities, Available-for-Sale, Total	21,766,000	22,475,000
Other Debt and Equity Securities [Member]
Debt Securities, Available-for-Sale, Total	500,000	500,000
Fair Value, Recurring [Member]
Total	620,707,000	597,352,000
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Total	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Total	620,084,000	596,675,000
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Total	623,000	677,000
Fair Value, Recurring [Member] | US Government Agencies Debt Securities [Member]
Debt Securities, Available-for-Sale, Total	407,335,000	390,371,000
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	407,335,000	390,371,000
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	36,364,000	41,803,000
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	36,364,000	41,803,000
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	137,673,000	137,594,000
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	137,050,000	136,917,000
Fair Value, Recurring [Member] | Municipal General Obligation Bonds [Member] | Fair Value, Inputs, Level 3 [Member]
Debt Securities, Available-for-Sale, Total	623,000	677,000
Fair Value, Recurring [Member] | Municipal Revenue Bonds [Member]
Debt Securities, Available-for-Sale, Total	21,766,000	22,475,000
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	21,766,000	22,475,000
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
Fair Value, Recurring [Member] | Interest Rate Swap [Member]
Interest rate swaps	17,069,000	4,609,000
Fair Value, Recurring [Member] | Interest Rate Swap [Member] | Fair Value, Inputs, Level 1 [Member]
Interest rate swaps	0	0
Fair Value, Recurring [Member] | Interest Rate Swap [Member] | Fair Value, Inputs, Level 2 [Member]
Interest rate swaps	17,069,000	4,609,000
Fair Value, Recurring [Member] | Interest Rate Swap [Member] | Fair Value, Inputs, Level 3 [Member]
Interest rate swaps	$ 0	$ 0

Note 11 - Fair Values - Asset_2

Note 11 - Fair Values - Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis (Details) - Fair Value, Nonrecurring [Member] - USD ($)	Jun. 30, 2022	Dec. 31, 2021
Loans	$ 7,116,000	$ 3,807,000
Foreclosed assets	0	0
Total	7,116,000	3,807,000
Fair Value, Inputs, Level 1 [Member]
Loans	0	0
Foreclosed assets	0	0
Total	0	0
Fair Value, Inputs, Level 2 [Member]
Loans	0	0
Foreclosed assets	0	0
Total	0	0
Fair Value, Inputs, Level 3 [Member]
Loans	7,116,000	3,807,000
Foreclosed assets	0	0
Total	$ 7,116,000	$ 3,807,000

Note 12 - Regulatory Matters (D

Note 12 - Regulatory Matters (Details Textual) - USD ($) $ / shares in Units, shares in Thousands, $ in Millions							3 Months Ended		6 Months Ended
	Sep. 14, 2022	Jul. 14, 2022	Jun. 15, 2022	Apr. 14, 2022	Mar. 16, 2022	Jan. 13, 2022	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021	Dec. 31, 2021	May 31, 2021	Dec. 31, 2009
Preferred Securities of Subsidiary Trust							$ 46.5		$ 46.5		$ 46.2
Maximum Restricted Core Element Allowed in Tier One Capital Percent									25%
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							$ 46.5		$ 46.5		$ 46.2
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)				$ 0.31		$ 0.31
Common Stock, Dividends, Per Share, Cash Paid (in dollars per share)			$ 0.31		$ 0.31		$ 0.31	$ 0.29	$ 0.62	$ 0.58
Stock Repurchase Program, Remaining Authorized Repurchase Amount							$ 6.8		$ 6.8
Stock Repurchase Program, Authorized Amount												$ 20
Stock Repurchased During Period, Shares (in shares)									0
Forecast [Member]
Common Stock, Dividends, Per Share, Cash Paid (in dollars per share)	$ 0.32
Subsequent Event [Member]
Common Stock, Dividends, Per Share, Declared (in dollars per share)		$ 0.32

Note 12 - Regulatory Matters -

Note 12 - Regulatory Matters - Actual Capital Levels and Minimum Levels (Details) $ in Thousands	Jun. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)
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	$ 597,495	$ 565,143
Total capital, ratio	0.138	0.140
Total capital minimum required for capital adequacy, amount	$ 346,868	$ 324,101
Total capital minimum required for capital adequacy, ratio	0.080	0.080
Tier 1 capital, amount	$ 473,065	$ 456,133
Tier 1 capital, ratio	0.109	0.113
Tier 1 capital minimum required for capital adequacy, amount	$ 260,151	$ 243,076
Tier 1 capital minimum required for capital adequacy, ratio	0.060	0.060
Common equity tier 1, amount	$ 426,553	$ 409,963
Common equity tier 1, ratio	0.098	0.101
Common equity tier 1 minimum required for capital adequacy, amount	$ 195,114	$ 182,307
Common equity tier 1 capital minimum required for capital adequacy, ratio	0.045	0.045
Tier 1 capital to average assets, amount	$ 473,065	$ 456,133
Tier 1 capital to average assets, ratio	0.093	0.092
Tier 1 capital to average assets, minimum required for capital adequacy, amount	$ 203,286	$ 198,574
Tier 1 capital to average assets minimum required for capital adequacy, ratio	0.040	0.040
Bank [Member]
Total capital, amount	$ 582,487	$ 551,760
Total capital, ratio	0.134	0.136
Total capital minimum required for capital adequacy, amount	$ 346,698	$ 323,928
Total capital minimum required for capital adequacy, ratio	0.080	0.080
Total capital to be well capitalized, amount	$ 433,372	$ 404,910
Total capital to be well capitalized, ratio	0.100	0.100
Tier 1 capital, amount	$ 546,513	$ 516,397
Tier 1 capital, ratio	0.126	0.128
Tier 1 capital minimum required for capital adequacy, amount	$ 260,023	$ 242,946
Tier 1 capital minimum required for capital adequacy, ratio	0.060	0.060
Tier 1 capital to be well capitalized, amount	$ 346,698	$ 323,928
Tier 1 capital to be well capitalized, ratio	0.080	0.080
Common equity tier 1, amount	$ 546,513	$ 516,397
Common equity tier 1, ratio	0.126	0.128
Common equity tier 1 minimum required for capital adequacy, amount	$ 195,018	$ 182,210
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	$ 281,692	$ 263,192
Common equity tier 1 capital to be well capitalized, ratio	0.065	0.065
Tier 1 capital to average assets, amount	$ 546,513	$ 516,397
Tier 1 capital to average assets, ratio	0.108	0.104
Tier 1 capital to average assets, minimum required for capital adequacy, amount	$ 203,201	$ 198,510
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	$ 254,001	$ 248,137
Tier 1 capital to average assets to be well capitalized, ratio	0.050	0.050