Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | Loans and Allowance for Loan Losses Loans consisted of the following segments as of December 31, 2018 and 2017 . 2018 2017 Commercial $ 358,763 $ 347,482 Real estate: Construction, land and land development 245,810 207,451 1-4 family residential first mortgages 49,052 51,044 Home equity 14,469 13,811 Commercial 1,050,025 886,114 Consumer and other 6,211 6,363 1,724,330 1,512,265 Net unamortized fees and costs (2,500 ) (1,765 ) $ 1,721,830 $ 1,510,500 The loan portfolio included $1,142,413 and $997,642 of fixed-rate loans and $581,917 and $514,623 of variable-rate loans as of December 31, 2018 and 2017 , respectively. Real estate loans of approximately $800,000 and $810,000 were pledged as security for FHLB advances as of December 31, 2018 and 2017 , respectively. The Company has had, and may be expected to have in the future, banking transactions in the ordinary course of business with directors, executive officers, their immediate families, and affiliated companies in which they are principal stockholders or executive officers (commonly referred to as related parties), all of which have been originated, in the opinion of management, on the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with unrelated parties. Loan transactions with related parties were as follows for the years ended December 31, 2018 and 2017 . 2018 2017 Balance, beginning of year $ 165,097 $ 191,697 New loans 9,387 28,975 Repayments (21,008 ) (55,575 ) Balance, end of year $ 153,476 $ 165,097 The following table summarizes the recorded investment in impaired loans by segment, broken down by loans with no related allowance and loans with a related allowance and the amount of that allowance as of December 31, 2018 and 2017 . December 31, 2018 December 31, 2017 Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance With no related allowance recorded: Commercial $ 1,014 $ 1,014 $ — $ — $ — $ — Real estate: Construction, land and land development — — — — — — 1-4 family residential first mortgages 106 106 — 91 91 — Home equity 41 41 — 172 172 — Commercial 652 652 — 220 220 — Consumer and other — — — — — — 1,813 1,813 — 483 483 — With an allowance recorded: Commercial 15 15 15 — — — Real estate: Construction, land and land development — — — — — — 1-4 family residential first mortgages — — — — — — Home equity — — — 21 21 21 Commercial 100 100 100 118 118 118 Consumer and other — — — — — — 115 115 115 139 139 139 Total: Commercial 1,029 1,029 15 — — — Real estate: Construction, land and land development — — — — — — 1-4 family residential first mortgages 106 106 — 91 91 — Home equity 41 41 — 193 193 21 Commercial 752 752 100 338 338 118 Consumer and other — — — — — — Total impaired loans $ 1,928 $ 1,928 $ 115 $ 622 $ 622 $ 139 The balance of impaired loans at December 31, 2018 was composed of loans to ten different borrowers, and the balance of impaired loans at December 31, 2017 was composed of loans to five different borrowers. As of December 31, 2018 , $250 of total impaired loans to four of the borrowers was also considered impaired as of December 31, 2017 . The Company has no commitments to advance additional funds on any of the impaired loans. The following table summarizes the average recorded investment and interest income recognized on impaired loans by segment for the years ended December 31, 2018 , 2017 and 2016 . December 31, 2018 December 31, 2017 December 31, 2016 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized With no related allowance recorded: Commercial $ 738 $ — $ 19 $ — $ 3 $ — Real estate: Construction, land and land development — — — — 8 — 1-4 family residential first mortgages 113 — 99 — 212 1 Home equity 122 6 39 2 3 — Commercial 600 — 276 — 393 — Consumer and other — — — — — — 1,573 6 433 2 619 1 With an allowance recorded: Commercial 1 — 60 7 127 — Real estate: Construction, land and land development — — — — — — 1-4 family residential first mortgages — — — — — — Home equity 15 — 177 1 263 — Commercial 109 — 127 — 145 — Consumer and other — — — — — — 125 — 364 8 535 — Total: Commercial 739 — 79 7 130 — Real estate: Construction, land and land development — — — — 8 — 1-4 family residential first mortgages 113 — 99 — 212 1 Home equity 137 6 216 3 266 — Commercial 709 — 403 — 538 — Consumer and other — — — — — — Total impaired loans $ 1,698 $ 6 $ 797 $ 10 $ 1,154 $ 1 Interest income forgone on impaired loans was $96 , $47 and $72 , respectively, during the years ended December 31, 2018 , 2017 and 2016 . The following tables provide an analysis of the payment status of the recorded investment in loans as of December 31, 2018 and 2017 . December 31, 2018 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Nonaccrual Loans Total Loans Commercial $ 54 $ — $ — $ 54 $ 357,680 $ 1,029 $ 358,763 Real estate: Construction, land and land development — — — — 245,810 — 245,810 1-4 family residential first mortgages 157 — — 157 48,789 106 49,052 Home equity — — — — 14,428 41 14,469 Commercial — — — — 1,049,273 752 1,050,025 Consumer and other — — — — 6,211 — 6,211 Total $ 211 $ — $ — $ 211 $ 1,722,191 $ 1,928 $ 1,724,330 December 31, 2017 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Nonaccrual Loans Total Loans Commercial $ 40 $ 20 $ — $ 60 $ 347,422 $ — $ 347,482 Real estate: Construction, land and land development — — — — 207,451 — 207,451 1-4 family residential first mortgages — 75 — 75 50,878 91 51,044 Home equity — — — — 13,618 193 13,811 Commercial — — — — 885,776 338 886,114 Consumer and other — — — — 6,363 — 6,363 Total $ 40 $ 95 $ — $ 135 $ 1,511,508 $ 622 $ 1,512,265 TDR loans totaled $652 and $220 as of December 31, 2018 and 2017 , respectively, and were included in the nonaccrual category. There was one loan modification considered to be TDR that occurred during the year ended December 31, 2018 and no loan modifications considered to be TDR that occurred during the years ended December 31, 2017 and 2016 . The pre- and post-modification recorded investment in TDR loans that have occurred during the years ended December 31, 2018 , 2017 and 2016 , totaled $560 , $0 and $0 , respectively. The financial impact of charge-offs or specific reserves for these modified loans was immaterial. TDR loans that have been modified within the twelve months ended December 31, 2018 , 2017 and 2016 , which have subsequently had a payment default, totaled $544 , $0 and $0 , respectively. A TDR loan is considered to have a payment default when it is past due 30 days or more. The following tables show the recorded investment in loans by credit quality indicator and loan segment as of December 31, 2018 and 2017 . December 31, 2018 Pass Watch Substandard Doubtful Total Commercial $ 336,861 $ 19,886 $ 2,016 $ — $ 358,763 Real estate: Construction, land and land development 245,810 — — — 245,810 1-4 family residential first mortgages 47,923 963 166 — 49,052 Home equity 14,352 46 71 — 14,469 Commercial 1,019,256 29,063 1,706 — 1,050,025 Consumer and other 6,186 — 25 — 6,211 Total $ 1,670,388 $ 49,958 $ 3,984 $ — $ 1,724,330 December 31, 2017 Pass Watch Substandard Doubtful Total Commercial $ 344,586 $ 901 $ 1,995 $ — $ 347,482 Real estate: Construction, land and land development 206,719 732 — — 207,451 1-4 family residential first mortgages 49,905 890 249 — 51,044 Home equity 13,466 54 291 — 13,811 Commercial 856,789 20,574 8,751 — 886,114 Consumer and other 6,327 36 — — 6,363 Total $ 1,477,792 $ 23,187 $ 11,286 $ — $ 1,512,265 All loans are subject to the assessment of a credit quality indicator. Risk ratings are assigned for each loan at the time of approval, and they change as circumstances dictate during the term of the loan. The Company utilizes a 9-point risk rating scale as shown below, with ratings 1 - 5 included in the Pass column, rating 6 included in the Watch column, ratings 7 - 8 included in the Substandard column, and rating 9 included in the Doubtful column. All loans classified as impaired that are included in the specific evaluation of the allowance for loan losses are included in the Substandard column along with all other loans with ratings of 7 - 8. Risk rating 1: The loan is secured by cash equivalent collateral. Risk rating 2: The loan is secured by properly margined marketable securities, bonds or cash surrender value of life insurance. Risk rating 3: The borrower is in strong financial condition and has strong debt service capacity. The loan is performing as agreed, and the financial characteristics and trends of the borrower exceed industry statistics. Risk rating 4: The borrower’s financial condition is satisfactory and stable. The borrower has satisfactory debt service capacity, and the loan is well secured. The loan is performing as agreed, and the financial characteristics and trends fall in line with industry statistics. Risk rating 5: The borrower’s financial condition is less than satisfactory. The loan is still generally paying as agreed, but strained cash flow may cause some slowness in payments. The collateral values adequately preclude loss on the loan. Financial characteristics and trends lag industry statistics. There may be noncompliance with loan covenants. Risk rating 6: The borrower’s financial condition is deficient. Payment delinquencies may be more common. Collateral values still protect from loss, but margins are narrow. The loan may be reliant on secondary sources of repayment, including liquidation of collateral and guarantor support. Risk rating 7: The loan is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Well-defined weaknesses exist that jeopardize the liquidation of the debt. The Company is inadequately protected by the valuation or paying capacity of the collateral pledged. If deficiencies are not corrected, there is a distinct possibility that a loss will be sustained. Risk rating 8: All the characteristics of rating 7 exist with the added condition that the loan is past due more than 90 days or there is reason to believe the Company will not receive its principal and interest according to the terms of the loan agreement. Risk rating 9: All the weaknesses inherent in risk ratings 7 and 8 exist with the added condition that collection or liquidation, on the basis of currently known facts, conditions and values, is highly questionable and improbable. A loan reaching this category would most likely be charged off. Credit quality indicators for all loans and the Company’s risk rating process are dynamic and updated on a continuous basis. Risk ratings are updated as circumstances that could affect the repayment of an individual loan are brought to management’s attention through an established monitoring process. Individual lenders initiate changes as appropriate for ratings 1 through 5, and changes for ratings 6 through 9 are initiated via communications with management. The likelihood of loss increases as the risk rating increases and is generally preceded by a loan appearing on the Watch List, which consists of all loans with a risk rating of 6 or worse. Written action plans with firm target dates for resolution of identified problems are maintained and reviewed on a quarterly basis for all segments of loans included on the Watch List. In addition to the Company’s internal credit monitoring practices and procedures, an outsourced independent credit review function is in place to further assess assigned internal risk classifications and monitor compliance with internal lending policies and procedures. In all portfolio segments, the primary risks are that a borrower’s income stream diminishes to the point that it is not able to make scheduled principal and interest payments and any collateral securing the loan declines in value. The risk of declining collateral values is present for most types of loans. Commercial loans consist primarily of loans to businesses for various purposes, including revolving lines to finance current operations, inventory and accounts receivable, and capital expenditure loans to finance equipment and other fixed assets. These loans generally have short maturities, have either adjustable or fixed interest rates, and are either unsecured or secured by inventory, accounts receivable and/or fixed assets. For commercial loans, the primary source of repayment is from the operation of the business. Real estate loans include various types of loans for which the Company holds real property as collateral, and consist of loans on commercial properties and single and multifamily residences. Real estate loans are typically structured to mature or reprice every 5 to 10 years with payments based on amortization periods up to 30 years. The majority of construction loans are to contractors and developers for construction of commercial buildings or residential real estate. These loans typically have maturities up to 24 months. The Company’s loan policy includes minimum appraisal and other credit guidelines. Consumer loans include loans extended to individuals for household, family and other personal expenditures not secured by real estate. The majority of the Company’s consumer lending is for vehicles, consolidation of personal debts and household improvements. The repayment source for consumer loans, including 1-4 family residential mortgages and home equity loans, is typically wages. The following tables detail changes in the allowance for loan losses by segment for the years ended December 31, 2018 , 2017 and 2016 . 2018 Real Estate Commercial Construction and Land 1-4 Family Residential Home Equity Commercial Consumer and Other Total Beginning balance $ 3,866 $ 2,213 $ 319 $ 186 $ 9,770 $ 76 $ 16,430 Charge-offs (208 ) — — (24 ) — (3 ) (235 ) Recoveries 673 — 18 24 13 16 744 Provision (1) (823 ) 171 (87 ) (15 ) 518 (14 ) (250 ) Ending balance $ 3,508 $ 2,384 $ 250 $ 171 $ 10,301 $ 75 $ 16,689 2017 Real Estate Commercial Construction and Land 1-4 Family Residential Home Equity Commercial Consumer and Other Total Beginning balance $ 3,881 $ 2,639 $ 317 $ 478 $ 8,697 $ 100 $ 16,112 Charge-offs (199 ) — — (176 ) — — (375 ) Recoveries 232 398 15 28 13 7 693 Provision (1) (48 ) (824 ) (13 ) (144 ) 1,060 (31 ) — Ending balance $ 3,866 $ 2,213 $ 319 $ 186 $ 9,770 $ 76 $ 16,430 2016 Real Estate Commercial Construction and Land 1-4 Family Residential Home Equity Commercial Consumer and Other Total Beginning balance $ 4,369 $ 2,338 $ 508 $ 481 $ 7,254 $ 17 $ 14,967 Charge-offs (125 ) (141 ) (93 ) — — (47 ) (406 ) Recoveries 218 217 59 36 13 8 551 Provision (1) (581 ) 225 (157 ) (39 ) 1,430 122 1,000 Ending balance $ 3,881 $ 2,639 $ 317 $ 478 $ 8,697 $ 100 $ 16,112 (1) The negative provisions for the various segments are either related to the decline in outstanding balances in each of those portfolio segments during the time periods disclosed and/or improvement in the credit quality factors related to those portfolio segments. The following tables show a breakdown of the allowance for loan losses disaggregated on the basis of impairment analysis method by segment as of December 31, 2018 and 2017 . December 31, 2018 Real Estate Commercial Construction and Land 1-4 Family Residential Home Equity Commercial Consumer and Other Total Ending balance: Individually evaluated for impairment $ 15 $ — $ — $ — $ 100 $ — $ 115 Collectively evaluated for impairment 3,493 2,384 250 171 10,201 75 16,574 Total $ 3,508 $ 2,384 $ 250 $ 171 $ 10,301 $ 75 $ 16,689 December 31, 2017 Real Estate Commercial Construction and Land 1-4 Family Residential Home Equity Commercial Consumer and Other Total Ending balance: Individually evaluated for impairment $ — $ — $ — $ 21 $ 118 $ — $ 139 Collectively evaluated for impairment 3,866 2,213 319 165 9,652 76 16,291 Total $ 3,866 $ 2,213 $ 319 $ 186 $ 9,770 $ 76 $ 16,430 The following tables show the recorded investment in loans, exclusive of unamortized fees and costs, disaggregated on the basis of impairment analysis method by segment as of December 31, 2018 and 2017 . December 31, 2018 Real Estate Commercial Construction and Land 1-4 Family Residential Home Equity Commercial Consumer and Other Total Ending balance: Individually evaluated for impairment $ 1,029 $ — $ 106 $ 41 $ 752 $ — $ 1,928 Collectively evaluated for impairment 357,734 245,810 48,946 14,428 1,049,273 6,211 1,722,402 Total $ 358,763 $ 245,810 $ 49,052 $ 14,469 $ 1,050,025 $ 6,211 $ 1,724,330 December 31, 2017 Real Estate Commercial Construction and Land 1-4 Family Residential Home Equity Commercial Consumer and Other Total Ending balance: Individually evaluated for impairment $ — $ — $ 91 $ 193 $ 338 $ — $ 622 Collectively evaluated for impairment 347,482 207,451 50,953 13,618 885,776 6,363 1,511,643 Total $ 347,482 $ 207,451 $ 51,044 $ 13,811 $ 886,114 $ 6,363 $ 1,512,265 |