Business First Bancshares (BFST) 10-Q 12 May 17 2017 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2017	May 05, 2017
Document Information [Line Items]
Entity Registrant Name	Business First Bancshares, Inc.
Entity Central Index Key	1,624,322
Trading Symbol	bfbi
Current Fiscal Year End Date	--12-31
Entity Filer Category	Smaller Reporting Company
Entity Current Reporting Status	Yes
Entity Voluntary Filers	No
Entity Well-known Seasoned Issuer	No
Entity Common Stock, Shares Outstanding (in shares)		6,932,570
Document Type	10-Q
Document Period End Date	Mar. 31, 2017
Document Fiscal Year Focus	2,017
Document Fiscal Period Focus	Q1
Amendment Flag	false

Unaudited Consolidated Balance

Unaudited Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Cash and Due from Banks	$ 49,960	$ 42,173
Federal Funds Sold	8,685	2,556
Securities Available for Sale, at Fair Values	195,470	198,342
Mortgage Loans Held for Sale		180
Loans and Lease Receivable, Net of Allowance for Loan Losses of $8,183 at March 31, 2017 and $8,162 at December 31, 2016	845,835	802,789
Premises and Equipment, Net	9,129	9,281
Accrued Interest Receivable	3,086	3,384
Other Equity Securities	6,070	6,120
Other Real Estate Owned	1,402	1,187
Cash Value of Life Insurance	22,717	22,567
Goodwill	6,824	6,824
Core Deposit Intangible	2,210	2,279
Other Assets	6,873	8,159
Total Assets	1,158,261	1,105,841
Noninterest Bearing	246,446	223,705
Interest Bearing	716,816	709,090
Total Deposits	963,262	932,795
Securities Sold Under Agreements to Repurchase	3,076	2,720
Short Term Borrowings	862	862
Long Term Borrowings	3,000	3,000
Federal Home Loan Bank Borrowings	66,537	47,064
Accrued Interest Payable	865	920
Other Liabilities	4,458	4,921
Total Liabilities	1,042,060	992,282
Common Stock, $1.00 Par Value; 10,000,000 Shares Authorized; 6,932,570 and 6,916,673 Shares Issued and Outstanding at March 31, 2017 and December 31, 2016, respectively	6,933	6,917
Additional Paid-in Capital	84,996	85,133
Retained Earnings	25,478	23,839
Accumulated Other Comprehensive Loss	(1,206)	(2,330)
Total Shareholders' Equity	116,201	113,559
Total Liabilities and Shareholders' Equity	$ 1,158,261	$ 1,105,841

Unaudited Consolidated Balance3

Unaudited Consolidated Balance Sheets (Parentheticals) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Allowance for loan losses	$ 8,183	$ 8,162
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares issued (in shares)	6,932,570	6,916,673
Common stock, shares outstanding (in shares)	6,932,570	6,916,673

Unaudited Consolidated Statemen

Unaudited Consolidated Statements of Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Interest Income:
Interest and Fees on Loans	$ 11,141	$ 9,697
Interest and Dividends on Securities	947	974
Interest on Federal Funds Sold and Due From Banks	17	41
Total Interest Income	12,105	10,712
Interest Expense:
Interest on Deposits	1,348	1,107
Interest on Borrowings	197	174
Total Interest Expense	1,545	1,281
Net Interest Income	10,560	9,431
Provision for Loan Losses	355	670
Net Interest Income after Provision for Loan Losses	10,205	8,761
Other Income:
Service Charges on Deposit Accounts	512	494
Gain on Sales of Securities		175
Other Income	792	772
Total Other Income	1,304	1,441
Other Expenses:
Salaries and Employee Benefits	4,984	4,696
Occupancy and Equipment Expense	1,168	1,103
Other Expenses	2,614	2,602
Total Other Expenses	8,766	8,401
Income Before Income Taxes	2,743	1,801
Provision for Income Taxes	767	397
Net Income	$ 1,976	$ 1,404
Earnings Per Share:
Basic (in dollars per share)	$ 0.29	$ 0.20
Diluted (in dollars per share)	$ 0.27	$ 0.19

Unaudited Consolidated Stateme5

Unaudited Consolidated Statements of Comprehensive Income - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Consolidated Net Income	$ 1,976	$ 1,404
Other Comprehensive Income:
Unrealized Gain on Investment Securities	1,703	1,370
Reclassification Adjustment for Gains included in Net Income		175
Income Tax Effect	(579)	(525)
Other Comprehensive Income	1,124	1,020
Consolidated Comprehensive Income	$ 3,100	$ 2,424

Unaudited Consolidated Stateme6

Unaudited Consolidated Statements of Changes in Stockholders' Equity - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balances at at Dec. 31, 2015	$ 7,036	$ 85,913	$ 20,289	$ (789)	$ 112,449
Net Income			1,404		1,404
Other Comprehensive Income				1,020	1,020
Stock Based Compensation Cost		106			106
Exercise of Stock Warrants	1	14			15
Balances at at Mar. 31, 2016	7,037	86,033	21,693	231	114,994
Balances at at Dec. 31, 2016	6,917	85,133	23,839	(2,330)	113,559
Net Income			1,976		1,976
Other Comprehensive Income				1,124	1,124
Stock Based Compensation Cost	18	(97)			(79)
Balances at at Mar. 31, 2017	6,933	84,996	25,478	$ (1,206)	116,201
Cash Dividends Declared, $0.05 Per Share			(346)		(346)
Stock Repurchase	$ (2)	$ (40)	$ 9		$ (33)

Unaudited Consolidated Stateme7

Unaudited Consolidated Statements of Changes in Stockholders' Equity (Parentheticals)	3 Months Ended
	Mar. 31, 2017$ / shares
Retained Earnings [Member]
Cash dividends declared (in dollars per share)	$ 0.05

Unaudited Consolidated Stateme8

Unaudited Consolidated Statements of Cash Flows - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Cash Flows From Operating Activities:
Consolidated Net Income	$ 1,976	$ 1,404
Adjustments to Reconcile Net Income to Net Cash Provided by (Used in) Operating Activities:
Provision for Loan Losses	355	670
Depreciation and Amortization	320	319
Amortization of Purchase Accounting Valuations	(1,422)	(568)
Noncash Compensation Expense	(79)	106
Net Amortization of Securities	482	459
Gain on Sales of Securities		(175)
(Gain) Loss on Sale of Other Real Estate Owned Net of Writedowns	(3)	26
Increase in Cash Value of Life Insurance	(150)	(353)
Provision for Deferred Income Taxes	531	106
Changes in Assets and Liabilities:
Decrease in Accrued Interest Receivable	298	113
Decrease in Other Assets	176	267
Increase (Decrease) in Accrued Interest Payable	(55)	43
Increase (Decrease) in Other Liabilities	(463)	90
Net Cash Provided by Operating Activities	1,966	2,507
Cash Flows From Investing Activities:
Purchases of Securities Available for Sale	(3,396)	(11,992)
Proceeds from Maturities / Sales of Securities Available for Sale	2,175	12,035
Proceeds from Paydowns of Securities Available for Sale	5,314	5,155
Purchases of Other Equity Securities	(4)	(60)
Redemption of Other Equity Securities	54	2
Life Insurance Proceeds		560
Net Increase in Loans	(42,128)	(17,598)
Purchases of Premises and Equipment	(168)	(261)
Proceeds from Sales of Other Real Estate	3	33
Improvements to Other Real Estate		(102)
Net Increase in Federal Funds Sold	(6,129)	(32,025)
Net Cash Used in Investing Activities	(44,279)	(44,253)
Cash Flows From Financing Activities:
Net Increase in Deposits	30,467	74,072
Net Increase in Securities Sold Under Agreements to Repurchase	356	430
Net Advances (Repayments) on Federal Home Loan Bank Borrowings	19,656	(333)
Repurchase of Common Stock	(33)
Proceeds from Exercise of Stock Warrants		15
Payment of Dividends on Common Stock	(346)
Net Cash Provided by Financing Activities	50,100	74,184
Net Increase in Cash and Cash Equivalents	7,787	32,438
Cash and Cash Equivalents at Beginning of Period	42,173	40,911
Cash and Cash Equivalents at End of Period	49,960	73,349
Supplemental Disclosures for Cash Flow Information:
Interest on Deposits	1,409	1,042
Interest on Borrowings	191	196
Income Tax Payments	350
Supplemental Schedule for Noncash Investing and Financing Activities:
Change in the Unrealized Gain on Securities Available for Sale	1,703	1,545
Change in Deferred Tax Effect on the Unrealized Gain on Securities Available for Sale	(579)	(525)
Transfer of Loans to Other Real Estate	$ 215	$ 365

Note 1 - Basis of Presentation

Note 1 - Basis of Presentation -	3 Months Ended
	Mar. 31, 2017
Notes to Financial Statements
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	Note 1 – Basis of Presentation – The unaudited consolidated financial statements include the accounts of Business First Bancshares, Inc. (the “Company”) and its wholly-owned subsidiary, Business First Bank (the “Bank”), and its wholly-owned subsidiaries, Business First Insurance, LLC and American Gateway Insurance Agency, LLC. The Bank operates in sixteen one one eight In the opinion of management, the accompanying unaudited consolidated financial statements contain all adjustments necessary to present fairly the financial results for the periods presented, and all such adjustments are of a normal recurring nature. All material intercompany transactions are eliminated. The results of operations for the interim periods are not necessarily indicative of the results to be expected for the entire year. These interim consolidated financial statements have been prepared according to the rules and regulations of the Securities and Exchange Commission and, therefore, certain information and footnote disclosures normally presented in accordance with United States (“U.S.”) generally accepted accounting principles (“GAAP”) have been omitted or abbreviated. Preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying disclosures. These estimates are based on management ’s best knowledge of current events and actions the Company may may may

Note 2 - Reclassifications -

Note 2 - Reclassifications -	3 Months Ended
	Mar. 31, 2017
Notes to Financial Statements
Reclassifications [Text Block]	Note 2 – Reclassifications – Certain reclassifications may 201 7.

Note 3 - Mergers and Acquisitio

Note 3 - Mergers and Acquisitions -	3 Months Ended
	Mar. 31, 2017
Notes to Financial Statements
Mergers, Acquisitions and Dispositions Disclosures [Text Block]	Note 3 – Mergers and Acquisitions – After the close of business on March 31, 2015, ten $10.00 11.88 ’s common stock in exchange for each share of AGFC common stock, representing an aggregate purchase price of $47.9 $371.5 $143.2 $108.4 $98.5 $2.8 $6.8 $330.5 $283.3 $41.2 $4.3

Note 4 - Earnings Per Common Sh

Note 4 - Earnings Per Common Share -	3 Months Ended
	Mar. 31, 2017
Notes to Financial Statements
Earnings Per Share [Text Block]	Note 4 – Earnings per Common Share – Basic earnings per share ( “EPS”) represents income available to common shareholders divided by the weighted average number of common shares outstanding; no dilution for any potentially convertible shares is included in the calculation. Diluted EPS reflects the potential dilution that could occur if securities or other contracts to issue common stock were exercised or converted into common stock or resulted in the issuance of common stock that then shared in the earnings of the Company. The potential common shares that may For The Three Months Ended March 31, 2017 2016 (Dollars in thousands, except per share data) Numerator: Net Income Available to Common Shares $ 1,976 $ 1,404 Denominator: Weighted Average Common Shares Outstanding 6,914,716 7,037,001 Dilutive Effect of Stock Options and Warrants 271,901 288,357 Weighted Average Dilutive Common Shares 7,186,617 7,325,358 Basic Earnings Per Common Share From Net Income Available to Common Shares $ 0.29 $ 0.20 Diluted Earnings Per Common Share From Net Income Available to Common Shares $ 0.27 $ 0.19

Note 5 - Securities -

Note 5 - Securities -	3 Months Ended
	Mar. 31, 2017
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 5 – Securities – The amortized cost and fair values of securities available for sale as of March 31, 2017 December 31, 2016 March 31, 2017 (Dollars in thousands) Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value U.S. Government Agencies $ 8,388 $ 44 $ 18 $ 8,414 Corporate Securities 13,141 79 35 13,185 Mortgage-Backed Securities 96,372 22 1,540 94,854 Municipal Securities 78,576 351 573 78,354 Other Securities 821 - 158 663 Total Securities Available for Sale $ 197,298 $ 496 $ 2,324 $ 195,470 December 31, 2016 (Dollars in thousands) Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value U.S. Government Agencies $ 7,580 $ 36 $ 50 $ 7,566 Corporate Securities 11,148 31 52 11,127 Mortgage-Backed Securities 101,766 20 2,414 99,372 Municipal Securities 80,559 210 1,133 79,636 Other Securities 820 - 179 641 Total Securities Available for Sale $ 201,873 $ 297 $ 3,828 $ 198,342 The following tables present a summary of securities with gross unrealized losses and fair values at March 31, 2017 December 31, 2016, March 31, 2017 Less Than 12 Months 12 Months or Greater Total (Dollars in thousands) Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses U.S. Government Agencies $ 3,022 $ 18 $ - $ - $ 3,022 $ 18 Corporate Securities 2,035 4 4,502 31 6,537 35 Mortgage-Backed Securities 80,064 1,247 11,434 293 91,498 1,540 Municipal Securities 38,574 568 748 5 39,322 573 Other Securities - - 663 158 663 158 Total Securities Available for Sale $ 123,695 $ 1,837 $ 17,347 $ 487 $ 141,042 $ 2,324 December 31, 2016 Less Than 12 Months 12 Months or Greater Total (Dollars in thousands) Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses U.S. Government Agencies $ 4,535 $ 50 $ - $ - $ 4,535 $ 50 Corporate Securities 2,010 31 4,515 21 6,525 52 Mortgage-Backed Securities 86,091 1,974 9,885 440 95,976 2,414 Municipal Securities 54,533 1,128 207 5 54,740 1,133 Other Securities - - 641 179 641 179 Total Securities Available for Sale $ 147,169 $ 3,183 $ 15,248 $ 645 $ 162,417 $ 3,828 Management evaluates securities for other than temporary impairment when economic and market conditions warrant such evaluations. Consideration is given to the extent and length of time the fair value has been below cost, the reasons for the decline in value, and the Company’s intent to sell a security or whether it is more likely than not that the Company will be required to sell the security before the recovery of its amortized cost. The Company has developed a process to identify securities that could potentially have a credit impairment that is other than temporary. This process involves evaluating each security for impairment by monitoring credit performance, collateral type, collateral geography, loan-to-value ratios, credit scores, loss severity levels, pricing levels, downgrades by rating agencies, cash flow projections and other factors as indicators of potential credit issues. When the Company determines that a security is deemed to be other than temporarily impaired, an impairment loss is recognized. The amortized cost and fair values of securities available for sale as of March 31, 2017 may may Amortized Fair Cost Value (Dollars in thousands) Less Than One Year $ 6,896 $ 6,916 One to Five Years 49,423 49,479 Over Five to Ten Years 65,038 64,457 Over Ten Years 75,941 74,618 Total Securities Available for Sale $ 197,298 $ 195,470

Note 6 - Loans and the Allowanc

Note 6 - Loans and the Allowance for Loan Losses -	3 Months Ended
	Mar. 31, 2017
Notes to Financial Statements
Financing Receivables [Text Block]	Note 6 – Loans and the Allowance for Loan Losses – Loans receivable at March 31, 2017 December 31, 2016 March 31, December 31, 2017 2016 (Dollars in thousands) Real estate loans: Construction and land $ 105,142 $ 94,426 Farmland 10,695 9,217 1-4 family residential 129,726 129,052 Multi-family residential 23,795 22,737 Nonfarm nonresidential 311,064 298,057 Commercial 227,310 213,120 Consumer 46,286 44,342 Total loans held for investment 854,018 810,951 Less: Allowance for loan losses (8,183 ) (8,162 ) Net loans $ 845,835 $ 802,789 The performing 1 4 March 31, 2017 December 31, 2016. Net deferred loan origination fees were $1.0 $761,000 March 31, 2017 December 31, 2016, March 31, 2017 December 31, 2016, $154,000 $232,000, The Bank is the lead lender on participations sold, without recourse, to other financial institutions which are not included in the consolidated balance sheets. The unpaid principal balances of mortgages and other loans serviced for others were approximately $63.1 $55.5 March 31, 2017 December 31, 2016, The Bank grants loans and extensions of credit to individuals and a variety of businesses and corporations located in its general market areas throughout Louisiana. Management segregates the loan portfolio into portfolio segments which is defined as the level at which the Bank develops and documents a systematic method for determining its allowance for loan losses. The portfolio segments are segregated based on loan types and the underlying risk factors present in each loan type. Such risk factors are periodically reviewed by management and revised as deemed appropriate. Loans acquired in business combinations are initially recorded at fair value, which includes an estimate of credit losses expected to be realized over the remaining lives of the loans and, therefore, no corresponding allowance for loan losses is recorded for these loans at acquisition. Methods utilized to estimate any subsequently required allowance for loan losses for acquired loans not deemed credit-impaired at acquisition are similar to originated loans; however, the estimate of loss is based on the unpaid principal balance and then compared to any remaining unaccreted purchase discount. To the extent the calculated loss is greater than the remaining unaccreted discount, an allowance is recorded for such difference. Acquired loans are those associated with our acquisition of AGFC. These loans were recorded at estimated fair value at the acquisition date with no carryover of the related allowance for loan losses. Total loans held for investment at March 31, 2017 includes $60.2 March 31, 2017 310 30, Loans and Debt Securities Acquired with Deteriorated Credit Quality 310 30”) $1.5 310 30 $60.9 $2.2 Total loans held for investment at December 31, 2016 $65.3 December 31, 2016 $1.8 $65.9 $2.4 The following tables set forth, as of March 31, 2017 December 31, 2016, Allowance for Credit Losses and Recorded Investment in Loans Receivable March 31, 2017 (Dollars in thousands) Real Estate: Real Estate: Real Estate: Real Estate: Construction Real Estate: 1-4 Family Multi-family Nonfarm and Land Farmland Residential Residential Nonresidential Commercial Consumer Total Allowance for credit losses: Beginning Balance $ 933 $ 75 $ 1,228 $ 172 $ 2,314 $ 3,039 $ 401 $ 8,162 Charge-offs (2 ) - (20 ) - (318 ) (8 ) (30 ) (378 ) Recoveries - - 11 - 1 27 5 44 Provision 146 13 207 11 411 (440 ) 7 355 Ending Balance $ 1,077 $ 88 $ 1,426 $ 183 $ 2,408 $ 2,618 $ 383 $ 8,183 Ending Balance: Individually evaluated for impairment $ 22 $ - $ 424 $ - $ 88 $ 347 $ - $ 881 Collectively evaluated for impairment $ 1,055 $ 88 $ 968 $ 183 $ 2,320 $ 2,271 $ 383 $ 7,268 Purchased Credit Impaired (1) $ - $ - $ 34 $ - $ - $ - $ - $ 34 Loans receivable: Ending Balance $ 105,142 $ 10,695 $ 129,726 $ 23,795 $ 311,064 $ 227,310 $ 46,286 $ 854,018 Ending Balance: Individually evaluated for impairment $ 137 $ - $ 3,043 $ - $ 3,201 $ 6,054 $ 160 $ 12,595 Collectively evaluated for impairment $ 104,842 $ 10,695 $ 126,468 $ 23,795 $ 306,706 $ 221,256 $ 46,126 $ 839,888 Purchased Credit Impaired (1) $ 163 $ - $ 215 $ - $ 1,157 $ - $ - $ 1,535 (1) December 31, 2016 (Dollars in thousands) Real Estate: Real Estate: Real Estate: Real Estate: Construction Real Estate: 1-4 Family Multi-family Nonfarm and Land Farmland Residential Residential Nonresidential Commercial Consumer Total Allowance for credit losses: Beginning balance $ 600 $ 30 $ 1,021 $ 101 $ 1,416 $ 3,618 $ 458 $ 7,244 Charge-offs (484 ) - (162 ) - (473 ) (667 ) (3 ) (1,789 ) Recoveries 10 - 140 - 1,258 33 46 1,487 Provision 807 45 229 71 113 55 (100 ) 1,220 Ending Balance $ 933 $ 75 $ 1,228 $ 172 $ 2,314 $ 3,039 $ 401 $ 8,162 Ending Balance: Individually evaluated for impairment $ - $ - $ 252 $ - $ 98 $ 501 $ 36 $ 887 Collectively evaluated for impairment $ 933 $ 75 $ 943 $ 172 $ 2,216 $ 2,538 $ 365 $ 7,242 Purchased Credit Impaired (1) $ - $ - $ 33 $ - $ - $ - $ - $ 33 Loans receivable: Ending Balance $ 94,426 $ 9,217 $ 129,052 $ 22,737 $ 298,057 $ 213,120 $ 44,342 $ 810,951 Ending Balance: Individually evaluated for impairment $ 143 $ - $ 3,263 $ - $ 1,073 $ 7,332 $ 198 $ 12,009 Collectively evaluated for impairment $ 94,117 $ 9,217 $ 125,573 $ 22,737 $ 295,590 $ 205,788 $ 44,144 $ 797,166 Purchased Credit Impaired (1) $ 166 $ - $ 216 $ - $ 1,394 $ - $ - $ 1,776 (1) Management further disaggregates the loan portfolio segments into classes of loans, which are based on the initial measurement of the loan, risk characteristics of the loan and the method for monitoring and assessing the credit risk of the loan. As of March 31, 2017 December 31, 2016, Credit Quality Indicators March 31, 2017 Pass Special Mention Substandard Doubtful Total (Dollars in thousands) Real Estate Loans: Construction and land $ 102,950 $ 795 $ 1,159 $ 238 $ 105,142 Farmland 10,695 - - - 10,695 1-4 family residential 120,338 5,136 1,741 2,511 129,726 Multi-family residential 23,752 - 43 - 23,795 Nonfarm nonresidential 295,144 10,599 1,703 3,618 311,064 Commercial 202,238 16,056 3,050 5,966 227,310 Consumer 45,544 333 249 160 46,286 Total $ 800,661 $ 32,919 $ 7,945 $ 12,493 $ 854,018 December 31, 2016 Pass Special Mention Substandard Doubtful Total (Dollars in thousands) Real Estate Loans: Construction and land $ 92,951 $ 932 $ 300 $ 243 $ 94,426 Farmland 9,217 - - - 9,217 1-4 family residential 118,891 4,782 2,658 2,721 129,052 Multi-family residential 22,685 - 52 - 22,737 Nonfarm nonresidential 280,398 14,531 1,927 1,201 298,057 Commercial 186,197 16,783 7,377 2,763 213,120 Consumer 43,414 505 225 198 44,342 Total $ 753,753 $ 37,533 $ 12,539 $ 7,126 $ 810,951 The above classifications follow regulatory guidelines and can generally be described as follows: ● Pass loans are of satisfactory quality. ● Special mention loans have an existing weakness that could cause future impairment, including the deterioration of financial ratios, past due status, questionable management capabilities and possible reduction in the collateral values. ● Substandard loans have an existing specific and well defined weakness that may may ● Doubtful loans have specific weaknesses that are severe enough to make collection or liquidation in full highly questionable and improbable. The following tables reflect certain information with respect to the loan portfolio delinquencies by loan class and amount as of March 31, 2017 December 31, 2016. 90 Aged Analysis of Past Due Loans Receivable March 31, 2017 (Dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due Greater Than 90 Days Past Due Total Past Due Current Total Loans Receivable Recorded Investment Over 90 Days Past Due and Still Accruing Real Estate Loans: Construction and land $ 372 $ 490 $ 194 $ 1,056 $ 104,086 $ 105,142 $ - Farmland - - - - 10,695 10,695 - 1-4 family residential 560 476 703 1,739 127,987 129,726 - Multi-family residential - - - - 23,795 23,795 - Nonfarm nonresidential 1,156 76 2,736 3,968 307,096 311,064 - Commercial 2,475 - 2,353 4,828 222,482 227,310 53 Consumer 9 - 149 158 46,128 46,286 - Total $ 4,572 $ 1,042 $ 6,135 $ 11,749 $ 842,269 $ 854,018 $ 53 December 31, 2016 (Dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due Greater Than 90 Days Past Due Total Past Due Current Total Loans Receivable Recorded Investment Over 90 Days Past Due and Still Accruing Real Estate Loans: Construction and land $ 465 $ - $ 106 $ 571 $ 93,855 $ 94,426 $ - Farmland - - - - 9,217 9,217 - 1-4 family residential 989 579 963 2,531 126,521 129,052 117 Multi-family residential - - - - 22,737 22,737 - Nonfarm nonresidential 1,370 173 532 2,075 295,982 298,057 - Commercial 45 372 262 679 212,441 213,120 51 Consumer 66 - 149 215 44,127 44,342 - Total $ 2,935 $ 1,124 $ 2,012 $ 6,071 $ 804,880 $ 810,951 $ 168 The following is a summary of information pertaining to impaired loans as of March 31, 2017 December 31, 2016. $42,000 $77,000 three March 31, 2017 2016, March 31, 2017 (Dollars in thousands) Unpaid Average Recorded Principal Related Recorded Investment Balance Allowance Investment With an allowance recorded: Real Estate Loans: Construction and land $ 89 $ 89 $ 22 $ 30 Farmland - - - - 1-4 family residential 1,003 1,073 424 624 Multi-family residential - - - - Nonfarm nonresidential 376 384 88 366 Other Loans: Commercial 462 477 347 472 Consumer - - - 20 Total $ 1,930 $ 2,023 $ 881 $ 1,512 With no allowance recorded: Real Estate Loans: Construction and land $ 48 $ 58 $ - $ 109 Farmland - - - - 1-4 family residential 2,040 2,441 - 2,661 Multi-family residential - - - - Nonfarm nonresidential 2,825 2,849 - 1,410 Other Loans: Commercial 5,592 6,798 - 6,327 Consumer 160 191 - 161 Total $ 10,665 $ 12,337 $ - $ 10,668 Total Impaired Loans: Real Estate Loans: Construction and land $ 137 $ 147 $ 22 $ 139 Farmland - - - - 1-4 family residential 3,043 3,514 424 3,285 Multi-family residential - - - - Nonfarm nonresidential 3,201 3,233 88 1,776 Other Loans: Commercial 6,054 7,275 347 6,799 Consumer 160 191 - 181 Total $ 12,595 $ 14,360 $ 881 $ 12,180 December 31, 2016 (Dollars in thousands) Unpaid Average Recorded Principal Related Recorded Investment Balance Allowance Investment With an allowance recorded: Real Estate Loans: Construction and land $ - $ - $ - $ 655 Farmland - - - - 1-4 family residential 440 470 252 372 Multi-family residential - - - - Nonfarm nonresidential 368 368 98 31 Other Loans: Commercial 695 709 501 1,252 Consumer 36 36 36 12 Total $ 1,539 $ 1,583 $ 887 $ 2,322 With no allowance recorded: Real Estate Loans: Construction and land $ 143 $ 152 $ - $ 124 Farmland - - - - 1-4 family residential 2,823 3,276 - 3,296 Multi-family residential - - - - Nonfarm nonresidential 705 729 - 3,730 Other Loans: Commercial 6,637 7,826 - 3,680 Consumer 162 162 - 43 Total $ 10,470 $ 12,145 $ - $ 10,873 Total Impaired Loans: Real Estate Loans: Construction and land $ 143 $ 152 $ - $ 779 Farmland - - - - 1-4 family residential 3,263 3,746 252 3,668 Multi-family residential - - - - Nonfarm nonresidential 1,073 1,097 98 3,761 Other Loans: Commercial 7,332 8,535 501 4,932 Consumer 198 198 36 55 Total $ 12,009 $ 13,728 $ 887 $ 13,195 The Company elected to account for certain loans acquired in the AGFC merger as acquired impaired loans under ASC 310 30 The following table presents the changes in the carrying amount of the purchased impaired credits accounted for under ASC 310 30 Purchased Impaired Credits (Dollars in thousands) Carrying amount - December 31, 2015 $ 3,634 Payments received, net of discounts realized (1,181 ) Charge-offs (352 ) Transfer to other real estate (325 ) Carrying amount - December 31, 2016 1,776 Payments received, net of discounts realized (84 ) Purchased impaired credit participation interest sales proceeds, net of discount realized 145 Charge-offs (302 ) Carrying amount - March 31, 2017 $ 1,535 The Bank seeks to assist customers that are experiencing financial difficulty by renegotiating loans within lending regulations and guidelines. The Bank makes loan modifications, primarily utilizing internal renegotiation programs via direct customer contact, that manage customers ’ debt exposures held only by the Bank. Additionally, the Bank makes loan modifications with customers who have elected to work with external renegotiation agencies and these modifications provide solutions to customers’ entire unsecured debt structures. During the periods ended March 31, 2017 December 31, 2016, Once modified in a troubled debt restructuring, a loan is generally considered impaired until its contractual maturity. At the time of the restructuring, the loan is evaluated for an asset-specific allowance for credit losses. The Bank continues to specifically reevaluate the loan in subsequent periods, regardless of the borrower ’s performance under the modified terms. If a borrower subsequently defaults on the loan after it is restructured, the Bank provides an allowance for credit losses for the amount of the loan that exceeds the value of the related collateral. The following tables present informative data regarding troubled debt restructurings as of March 31, 2017 December 31, 2016. three March 31, 2017 December 31, 2016. Modifications as of March 31, 2017: Pre-Modification Post-Modification Number Outstanding Outstanding of Recorded Recorded Contracts Investment Investment (Dollars in thousands) Troubled Debt Restructuring Real Estate Loans: 1-4 family residential 3 $ 870 $ 600 Other Loans: Commercial 4 5,845 4,402 Total 7 $ 6,715 $ 5,002 Modifications as of December 31, 2016: Pre-Modification Post-Modification Number Outstanding Outstanding of Recorded Recorded Contracts Investment Investment (Dollars in thousands) Troubled Debt Restructuring Real Estate Loans: 1-4 family residential 3 $ 870 $ 608 Other Loans: Commercial 6 6,880 5,323 Total 9 $ 7,750 $ 5,931

Note 7 - Fair Value of Financia

Note 7 - Fair Value of Financial Instruments -	3 Months Ended
	Mar. 31, 2017
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 7 – Fair Value of Financial Instruments – Fair Value Disclosures The Company groups its financial assets and liabilities measured at fair value in three three ● Level 1 ● Level 2 ● Level 3 Recurring Basis Fair values of investment securities available for sale were primarily measured using information from a third The following tables present the balance of assets and liabilities measured on a recurring basis as of March 31, 2017 December 31, 2016. not Fair Value Level 1 Level 2 Level 3 (Dollars in thousands) March 31, 2017 Available for Sale: U.S. Government Agency Securities $ 8,414 $ - $ 8,414 $ - Corporate Securities 13,185 - 13,185 - Mortgage-Backed Securities 94,854 - 94,854 - Municipal Securities 78,354 - 78,354 - Other Securities 663 - 663 - Total $ 195,470 $ - $ 195,470 $ - December 31, 2016 Available for Sale: U.S. Government Agency Securities $ 7,566 $ - $ 7,566 $ - Corporate Securities 11,127 - 11,127 - Mortgage-Backed Securities 99,372 - 99,372 - Municipal Securities 79,636 - 79,636 - Other Securities 641 - 641 - Total $ 198,342 $ - $ 198,342 $ - Nonrecurring Basis The Company has segregated all financial assets and liabilities that are measured at fair value on a nonrecurring basis into the most appropriate level within the fair value hierarchy based on the inputs used to determine the fair value at the measurement date in the tables below. The Company did not record any liabilities at fair value for which measurement of the fair value was made on a nonrecurring basis. The fair value of the impaired loans is measured at the fair value of the collateral for collateral-dependent loans. Impaired loans are Level 2 2. Fair Value Level 1 Level 2 Level 3 (Dollars in thousands) March 31, 2017 Assets: Impaired Loans $ 13,215 $ - $ 13,215 $ - Repossessed Assets 1,411 - 1,411 - Total $ 14,626 $ - $ 14,626 $ - December 31, 2016 Assets: Impaired Loans $ 12,865 $ - $ 12,865 $ - Repossessed Assets 1,196 - 1,196 - Total $ 14,061 $ - $ 14,061 $ - Fair Value Financial Instruments The fair value of a financial instrument is the current amount that would be exchanged between willing parties, other than in a forced liquidation. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company ’s various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may may The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practicable to estimate that value: Cash and Short-Term Investments – For those short-term instruments, the carrying amount is a reasonable estimate of fair value. Securities – Fair value of securities is based on quoted market prices. If a quoted market price is not available, fair value is estimated using quoted market prices for similar securities. Loans – The fair value for loans is estimated using discounted cash flow analyses, with interest rates currently being offered for similar loans to borrowers with similar credit rates. Loans with similar classifications are aggregated for purposes of the calculations. The allowance for loan losses, which was used to measure the credit risk, is subtracted from loans. Cash Value of Bank-Owned Life Insurance (“BOLI”) – The carrying amount approximates its fair value. Other Equity Securities – The carrying amount approximates its fair value. Deposits – The fair value of demand deposits and certain money market deposits is the amount payable at the reporting date. The fair value of fixed-maturity certificates of deposit is estimated using discounted cash flow analyses, with interest rates currently offered for deposits of similar remaining maturities. Borrowings – The fair value of FHLB advances and other long-term borrowings is estimated using the rates currently offered for advances of similar maturities. The carrying amount of short-term borrowings maturing within ninety Commitments to Extend Credit and Standby and Commercial Letters of Credit – The fair values of commitments to extend credit and standby and commercial letters of credit do not differ significantly from the commitment amount and are therefore omitted from this disclosure. The estimated approximate fair values of the Bank ’s financial instruments as of March 31, 2017 December 31, 2016 Carrying Total Amount Fair Value Level 1 Level 2 Level 3 (Dollars in thousands) March 31, 2017 Financial Assets: Cash and Short-Term Investments $ 58,645 $ 58,645 $ 58,645 $ - $ - Securities 195,470 195,470 - 195,470 - Loans - Net 845,835 839,566 - - 839,566 Cash Value of BOLI 22,717 22,717 - 22,717 - Other Equity Securities 6,070 6,070 - - 6,070 Total $ 1,128,737 $ 1,122,468 $ 58,645 $ 218,187 $ 845,636 Financial Liabilities: Deposits $ 963,262 $ 962,344 $ - $ - $ 962,344 Borrowings 73,475 73,311 - 73,311 - Total $ 1,036,737 $ 1,035,655 $ - $ 73,311 $ 962,344 Carrying Total Amount Fair Value Level 1 Level 2 Level 3 (Dollars in thousands) December 31, 2016 Financial Assets: Cash and Short-Term Investments $ 44,729 $ 44,729 $ 44,729 $ - $ - Securities 198,342 198,342 - 198,342 - Mortgage Loans Held for Sale 180 180 - 180 - Loans - Net 802,789 796,400 - - 796,400 Cash Value of BOLI 22,567 22,567 - 22,567 - Other Equity Securities 6,120 6,120 - - 6,120 Total $ 1,074,727 $ 1,068,338 $ 44,729 $ 221,089 $ 802,520 Financial Liabilities: Deposits $ 932,795 $ 912,702 $ - $ - $ 912,702 Borrowings 53,646 53,706 - 53,706 - Total $ 986,441 $ 966,408 $ - $ 53,706 $ 912,702

Note 8 - Recently Issued Accoun

Note 8 - Recently Issued Accounting Pronouncements -	3 Months Ended
	Mar. 31, 2017
Notes to Financial Statements
New Accounting Pronouncements and Changes in Accounting Principles [Text Block]	Note 8 – Recently Issued Accounting Pronouncements – In January 2016, Accounting Standards Update (“ASU”) No. 2016 16, Financial Instruments - Overall (Subtopic 825 10), may 2016 16 December 15, 2017, In February 2016, 2016 02, Leases (Topic 842), December 15, 2018. In March 2016, 2016 09, Compensation - Stock Compensation (Topic 718), December 15, 2016, In June 2016, 2016 13, Financial Instruments – Credit Losses (Topic 326), may December 31, 2019. first On January 26, 2017, ASU 2017 04, Intangibles – Goodwill and Other (Topic 350) 2 one zero zero 2020 January 1, 2017.

Note 4 - Earnings Per Common 17

Note 4 - Earnings Per Common Share - (Tables)	3 Months Ended
	Mar. 31, 2017
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	For The Three Months Ended March 31, 2017 2016 (Dollars in thousands, except per share data) Numerator: Net Income Available to Common Shares $ 1,976 $ 1,404 Denominator: Weighted Average Common Shares Outstanding 6,914,716 7,037,001 Dilutive Effect of Stock Options and Warrants 271,901 288,357 Weighted Average Dilutive Common Shares 7,186,617 7,325,358 Basic Earnings Per Common Share From Net Income Available to Common Shares $ 0.29 $ 0.20 Diluted Earnings Per Common Share From Net Income Available to Common Shares $ 0.27 $ 0.19

Note 5 - Securities - (Tables)

Note 5 - Securities - (Tables)	3 Months Ended
	Mar. 31, 2017
Notes Tables
Schedule of Available-for-sale Securities Reconciliation [Table Text Block]	March 31, 2017 (Dollars in thousands) Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value U.S. Government Agencies $ 8,388 $ 44 $ 18 $ 8,414 Corporate Securities 13,141 79 35 13,185 Mortgage-Backed Securities 96,372 22 1,540 94,854 Municipal Securities 78,576 351 573 78,354 Other Securities 821 - 158 663 Total Securities Available for Sale $ 197,298 $ 496 $ 2,324 $ 195,470 December 31, 2016 (Dollars in thousands) Gross Gross Amortized Unrealized Unrealized Fair Cost Gains Losses Value U.S. Government Agencies $ 7,580 $ 36 $ 50 $ 7,566 Corporate Securities 11,148 31 52 11,127 Mortgage-Backed Securities 101,766 20 2,414 99,372 Municipal Securities 80,559 210 1,133 79,636 Other Securities 820 - 179 641 Total Securities Available for Sale $ 201,873 $ 297 $ 3,828 $ 198,342
Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value [Table Text Block]	March 31, 2017 Less Than 12 Months 12 Months or Greater Total (Dollars in thousands) Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses U.S. Government Agencies $ 3,022 $ 18 $ - $ - $ 3,022 $ 18 Corporate Securities 2,035 4 4,502 31 6,537 35 Mortgage-Backed Securities 80,064 1,247 11,434 293 91,498 1,540 Municipal Securities 38,574 568 748 5 39,322 573 Other Securities - - 663 158 663 158 Total Securities Available for Sale $ 123,695 $ 1,837 $ 17,347 $ 487 $ 141,042 $ 2,324 December 31, 2016 Less Than 12 Months 12 Months or Greater Total (Dollars in thousands) Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses U.S. Government Agencies $ 4,535 $ 50 $ - $ - $ 4,535 $ 50 Corporate Securities 2,010 31 4,515 21 6,525 52 Mortgage-Backed Securities 86,091 1,974 9,885 440 95,976 2,414 Municipal Securities 54,533 1,128 207 5 54,740 1,133 Other Securities - - 641 179 641 179 Total Securities Available for Sale $ 147,169 $ 3,183 $ 15,248 $ 645 $ 162,417 $ 3,828
Investments Classified by Contractual Maturity Date [Table Text Block]	Amortized Fair Cost Value (Dollars in thousands) Less Than One Year $ 6,896 $ 6,916 One to Five Years 49,423 49,479 Over Five to Ten Years 65,038 64,457 Over Ten Years 75,941 74,618 Total Securities Available for Sale $ 197,298 $ 195,470

Note 6 - Loans and the Allowa19

Note 6 - Loans and the Allowance for Loan Losses - (Tables)	3 Months Ended
	Mar. 31, 2017
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	March 31, December 31, 2017 2016 (Dollars in thousands) Real estate loans: Construction and land $ 105,142 $ 94,426 Farmland 10,695 9,217 1-4 family residential 129,726 129,052 Multi-family residential 23,795 22,737 Nonfarm nonresidential 311,064 298,057 Commercial 227,310 213,120 Consumer 46,286 44,342 Total loans held for investment 854,018 810,951 Less: Allowance for loan losses (8,183 ) (8,162 ) Net loans $ 845,835 $ 802,789
Allowance for Credit Losses on Financing Receivables [Table Text Block]	March 31, 2017 (Dollars in thousands) Real Estate: Real Estate: Real Estate: Real Estate: Construction Real Estate: 1-4 Family Multi-family Nonfarm and Land Farmland Residential Residential Nonresidential Commercial Consumer Total Allowance for credit losses: Beginning Balance $ 933 $ 75 $ 1,228 $ 172 $ 2,314 $ 3,039 $ 401 $ 8,162 Charge-offs (2 ) - (20 ) - (318 ) (8 ) (30 ) (378 ) Recoveries - - 11 - 1 27 5 44 Provision 146 13 207 11 411 (440 ) 7 355 Ending Balance $ 1,077 $ 88 $ 1,426 $ 183 $ 2,408 $ 2,618 $ 383 $ 8,183 Ending Balance: Individually evaluated for impairment $ 22 $ - $ 424 $ - $ 88 $ 347 $ - $ 881 Collectively evaluated for impairment $ 1,055 $ 88 $ 968 $ 183 $ 2,320 $ 2,271 $ 383 $ 7,268 Purchased Credit Impaired (1) $ - $ - $ 34 $ - $ - $ - $ - $ 34 Loans receivable: Ending Balance $ 105,142 $ 10,695 $ 129,726 $ 23,795 $ 311,064 $ 227,310 $ 46,286 $ 854,018 Ending Balance: Individually evaluated for impairment $ 137 $ - $ 3,043 $ - $ 3,201 $ 6,054 $ 160 $ 12,595 Collectively evaluated for impairment $ 104,842 $ 10,695 $ 126,468 $ 23,795 $ 306,706 $ 221,256 $ 46,126 $ 839,888 Purchased Credit Impaired (1) $ 163 $ - $ 215 $ - $ 1,157 $ - $ - $ 1,535 December 31, 2016 (Dollars in thousands) Real Estate: Real Estate: Real Estate: Real Estate: Construction Real Estate: 1-4 Family Multi-family Nonfarm and Land Farmland Residential Residential Nonresidential Commercial Consumer Total Allowance for credit losses: Beginning balance $ 600 $ 30 $ 1,021 $ 101 $ 1,416 $ 3,618 $ 458 $ 7,244 Charge-offs (484 ) - (162 ) - (473 ) (667 ) (3 ) (1,789 ) Recoveries 10 - 140 - 1,258 33 46 1,487 Provision 807 45 229 71 113 55 (100 ) 1,220 Ending Balance $ 933 $ 75 $ 1,228 $ 172 $ 2,314 $ 3,039 $ 401 $ 8,162 Ending Balance: Individually evaluated for impairment $ - $ - $ 252 $ - $ 98 $ 501 $ 36 $ 887 Collectively evaluated for impairment $ 933 $ 75 $ 943 $ 172 $ 2,216 $ 2,538 $ 365 $ 7,242 Purchased Credit Impaired (1) $ - $ - $ 33 $ - $ - $ - $ - $ 33 Loans receivable: Ending Balance $ 94,426 $ 9,217 $ 129,052 $ 22,737 $ 298,057 $ 213,120 $ 44,342 $ 810,951 Ending Balance: Individually evaluated for impairment $ 143 $ - $ 3,263 $ - $ 1,073 $ 7,332 $ 198 $ 12,009 Collectively evaluated for impairment $ 94,117 $ 9,217 $ 125,573 $ 22,737 $ 295,590 $ 205,788 $ 44,144 $ 797,166 Purchased Credit Impaired (1) $ 166 $ - $ 216 $ - $ 1,394 $ - $ - $ 1,776
Financing Receivable Credit Quality Indicators [Table Text Block]	March 31, 2017 Pass Special Mention Substandard Doubtful Total (Dollars in thousands) Real Estate Loans: Construction and land $ 102,950 $ 795 $ 1,159 $ 238 $ 105,142 Farmland 10,695 - - - 10,695 1-4 family residential 120,338 5,136 1,741 2,511 129,726 Multi-family residential 23,752 - 43 - 23,795 Nonfarm nonresidential 295,144 10,599 1,703 3,618 311,064 Commercial 202,238 16,056 3,050 5,966 227,310 Consumer 45,544 333 249 160 46,286 Total $ 800,661 $ 32,919 $ 7,945 $ 12,493 $ 854,018 December 31, 2016 Pass Special Mention Substandard Doubtful Total (Dollars in thousands) Real Estate Loans: Construction and land $ 92,951 $ 932 $ 300 $ 243 $ 94,426 Farmland 9,217 - - - 9,217 1-4 family residential 118,891 4,782 2,658 2,721 129,052 Multi-family residential 22,685 - 52 - 22,737 Nonfarm nonresidential 280,398 14,531 1,927 1,201 298,057 Commercial 186,197 16,783 7,377 2,763 213,120 Consumer 43,414 505 225 198 44,342 Total $ 753,753 $ 37,533 $ 12,539 $ 7,126 $ 810,951
Past Due Financing Receivables [Table Text Block]	March 31, 2017 (Dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due Greater Than 90 Days Past Due Total Past Due Current Total Loans Receivable Recorded Investment Over 90 Days Past Due and Still Accruing Real Estate Loans: Construction and land $ 372 $ 490 $ 194 $ 1,056 $ 104,086 $ 105,142 $ - Farmland - - - - 10,695 10,695 - 1-4 family residential 560 476 703 1,739 127,987 129,726 - Multi-family residential - - - - 23,795 23,795 - Nonfarm nonresidential 1,156 76 2,736 3,968 307,096 311,064 - Commercial 2,475 - 2,353 4,828 222,482 227,310 53 Consumer 9 - 149 158 46,128 46,286 - Total $ 4,572 $ 1,042 $ 6,135 $ 11,749 $ 842,269 $ 854,018 $ 53 December 31, 2016 (Dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due Greater Than 90 Days Past Due Total Past Due Current Total Loans Receivable Recorded Investment Over 90 Days Past Due and Still Accruing Real Estate Loans: Construction and land $ 465 $ - $ 106 $ 571 $ 93,855 $ 94,426 $ - Farmland - - - - 9,217 9,217 - 1-4 family residential 989 579 963 2,531 126,521 129,052 117 Multi-family residential - - - - 22,737 22,737 - Nonfarm nonresidential 1,370 173 532 2,075 295,982 298,057 - Commercial 45 372 262 679 212,441 213,120 51 Consumer 66 - 149 215 44,127 44,342 - Total $ 2,935 $ 1,124 $ 2,012 $ 6,071 $ 804,880 $ 810,951 $ 168
Impaired Financing Receivables [Table Text Block]	March 31, 2017 (Dollars in thousands) Unpaid Average Recorded Principal Related Recorded Investment Balance Allowance Investment With an allowance recorded: Real Estate Loans: Construction and land $ 89 $ 89 $ 22 $ 30 Farmland - - - - 1-4 family residential 1,003 1,073 424 624 Multi-family residential - - - - Nonfarm nonresidential 376 384 88 366 Other Loans: Commercial 462 477 347 472 Consumer - - - 20 Total $ 1,930 $ 2,023 $ 881 $ 1,512 With no allowance recorded: Real Estate Loans: Construction and land $ 48 $ 58 $ - $ 109 Farmland - - - - 1-4 family residential 2,040 2,441 - 2,661 Multi-family residential - - - - Nonfarm nonresidential 2,825 2,849 - 1,410 Other Loans: Commercial 5,592 6,798 - 6,327 Consumer 160 191 - 161 Total $ 10,665 $ 12,337 $ - $ 10,668 Total Impaired Loans: Real Estate Loans: Construction and land $ 137 $ 147 $ 22 $ 139 Farmland - - - - 1-4 family residential 3,043 3,514 424 3,285 Multi-family residential - - - - Nonfarm nonresidential 3,201 3,233 88 1,776 Other Loans: Commercial 6,054 7,275 347 6,799 Consumer 160 191 - 181 Total $ 12,595 $ 14,360 $ 881 $ 12,180 December 31, 2016 (Dollars in thousands) Unpaid Average Recorded Principal Related Recorded Investment Balance Allowance Investment With an allowance recorded: Real Estate Loans: Construction and land $ - $ - $ - $ 655 Farmland - - - - 1-4 family residential 440 470 252 372 Multi-family residential - - - - Nonfarm nonresidential 368 368 98 31 Other Loans: Commercial 695 709 501 1,252 Consumer 36 36 36 12 Total $ 1,539 $ 1,583 $ 887 $ 2,322 With no allowance recorded: Real Estate Loans: Construction and land $ 143 $ 152 $ - $ 124 Farmland - - - - 1-4 family residential 2,823 3,276 - 3,296 Multi-family residential - - - - Nonfarm nonresidential 705 729 - 3,730 Other Loans: Commercial 6,637 7,826 - 3,680 Consumer 162 162 - 43 Total $ 10,470 $ 12,145 $ - $ 10,873 Total Impaired Loans: Real Estate Loans: Construction and land $ 143 $ 152 $ - $ 779 Farmland - - - - 1-4 family residential 3,263 3,746 252 3,668 Multi-family residential - - - - Nonfarm nonresidential 1,073 1,097 98 3,761 Other Loans: Commercial 7,332 8,535 501 4,932 Consumer 198 198 36 55 Total $ 12,009 $ 13,728 $ 887 $ 13,195
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Carrying Amount, Net [Table Text Block]	Purchased Impaired Credits (Dollars in thousands) Carrying amount - December 31, 2015 $ 3,634 Payments received, net of discounts realized (1,181 ) Charge-offs (352 ) Transfer to other real estate (325 ) Carrying amount - December 31, 2016 1,776 Payments received, net of discounts realized (84 ) Purchased impaired credit participation interest sales proceeds, net of discount realized 145 Charge-offs (302 ) Carrying amount - March 31, 2017 $ 1,535
Troubled Debt Restructurings on Financing Receivables [Table Text Block]	Modifications as of March 31, 2017: Pre-Modification Post-Modification Number Outstanding Outstanding of Recorded Recorded Contracts Investment Investment (Dollars in thousands) Troubled Debt Restructuring Real Estate Loans: 1-4 family residential 3 $ 870 $ 600 Other Loans: Commercial 4 5,845 4,402 Total 7 $ 6,715 $ 5,002 Modifications as of December 31, 2016: Pre-Modification Post-Modification Number Outstanding Outstanding of Recorded Recorded Contracts Investment Investment (Dollars in thousands) Troubled Debt Restructuring Real Estate Loans: 1-4 family residential 3 $ 870 $ 608 Other Loans: Commercial 6 6,880 5,323 Total 9 $ 7,750 $ 5,931

Note 7 - Fair Value of Financ20

Note 7 - Fair Value of Financial Instruments - (Tables)	3 Months Ended
	Mar. 31, 2017
Notes Tables
Fair Value, Assets Measured on Recurring Basis [Table Text Block]	Fair Value Level 1 Level 2 Level 3 (Dollars in thousands) March 31, 2017 Available for Sale: U.S. Government Agency Securities $ 8,414 $ - $ 8,414 $ - Corporate Securities 13,185 - 13,185 - Mortgage-Backed Securities 94,854 - 94,854 - Municipal Securities 78,354 - 78,354 - Other Securities 663 - 663 - Total $ 195,470 $ - $ 195,470 $ - December 31, 2016 Available for Sale: U.S. Government Agency Securities $ 7,566 $ - $ 7,566 $ - Corporate Securities 11,127 - 11,127 - Mortgage-Backed Securities 99,372 - 99,372 - Municipal Securities 79,636 - 79,636 - Other Securities 641 - 641 - Total $ 198,342 $ - $ 198,342 $ -
Fair Value Measurements, Nonrecurring [Table Text Block]	Fair Value Level 1 Level 2 Level 3 (Dollars in thousands) March 31, 2017 Assets: Impaired Loans $ 13,215 $ - $ 13,215 $ - Repossessed Assets 1,411 - 1,411 - Total $ 14,626 $ - $ 14,626 $ - December 31, 2016 Assets: Impaired Loans $ 12,865 $ - $ 12,865 $ - Repossessed Assets 1,196 - 1,196 - Total $ 14,061 $ - $ 14,061 $ -
Fair Value, by Balance Sheet Grouping [Table Text Block]	Carrying Total Amount Fair Value Level 1 Level 2 Level 3 (Dollars in thousands) March 31, 2017 Financial Assets: Cash and Short-Term Investments $ 58,645 $ 58,645 $ 58,645 $ - $ - Securities 195,470 195,470 - 195,470 - Loans - Net 845,835 839,566 - - 839,566 Cash Value of BOLI 22,717 22,717 - 22,717 - Other Equity Securities 6,070 6,070 - - 6,070 Total $ 1,128,737 $ 1,122,468 $ 58,645 $ 218,187 $ 845,636 Financial Liabilities: Deposits $ 963,262 $ 962,344 $ - $ - $ 962,344 Borrowings 73,475 73,311 - 73,311 - Total $ 1,036,737 $ 1,035,655 $ - $ 73,311 $ 962,344 Carrying Total Amount Fair Value Level 1 Level 2 Level 3 (Dollars in thousands) December 31, 2016 Financial Assets: Cash and Short-Term Investments $ 44,729 $ 44,729 $ 44,729 $ - $ - Securities 198,342 198,342 - 198,342 - Mortgage Loans Held for Sale 180 180 - 180 - Loans - Net 802,789 796,400 - - 796,400 Cash Value of BOLI 22,567 22,567 - 22,567 - Other Equity Securities 6,120 6,120 - - 6,120 Total $ 1,074,727 $ 1,068,338 $ 44,729 $ 221,089 $ 802,520 Financial Liabilities: Deposits $ 932,795 $ 912,702 $ - $ - $ 912,702 Borrowings 53,646 53,706 - 53,706 - Total $ 986,441 $ 966,408 $ - $ 53,706 $ 912,702

Note 1 - Basis of Presentatio21

Note 1 - Basis of Presentation - (Details Textual)	Mar. 31, 2017
Number of Locations in Operation	16
Number of Loan Production Offices	1
Number of Wealth Solution Offices	1

Note 3 - Mergers and Acquisit22

Note 3 - Mergers and Acquisitions - (Details Textual) $ / shares in Units, $ in Thousands	Mar. 31, 2015USD ($)$ / shares	Mar. 31, 2017USD ($)	Dec. 31, 2016USD ($)
Goodwill		$ 6,824	$ 6,824
American Gateway Financial Corporation [Member]
Number of Branches	10
Business Acquisition, Cash Conversion Ratio Per Share | $ / shares	$ 10
Business Acquisition, Exchange Ratio	11.88
Business Combination, Consideration Transferred	$ 47,900
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets	371,500
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Receivables	143,200
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Marketable Securities	108,400
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Cash and Equivalents	98,500
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Finite-Lived Intangibles	2,800
Goodwill	6,800
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Liabilities	330,500
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Deposits	283,300
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Federal Home Loan Bank Borrowings	41,200
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Securities Sold under Agreements to Repurchase	$ 4,300

Note 4 - Earnings Per Common 23

Note 4 - Earnings Per Common Share - Computation of Basic and Diluted Earnings Per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Net Income Available to Common Shares	$ 1,976	$ 1,404
Weighted Average Common Shares Outstanding (in shares)	6,914,716	7,037,001
Dilutive Effect of Stock Options and Warrants (in shares)	271,901	288,357
Weighted Average Dilutive Common Shares (in shares)	7,186,617	7,325,358
Basic Earnings Per Common Share From Net Income Available to Common Shares (in dollars per share)	$ 0.29	$ 0.20
Diluted Earnings Per Common Share From Net Income Available to Common Shares (in dollars per share)	$ 0.27	$ 0.19

Note 5 - Securities - Amortized

Note 5 - Securities - Amortized Cost and Fair Values of Securities Available-for-Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Amortized Cost	$ 197,298	$ 201,873
Gross Unrealized Gains	496	297
Gross Unrealized Losses	2,324	3,828
Securities Available for Sale, at Fair Values	195,470	198,342
US Government Agencies Debt Securities [Member]
Amortized Cost	8,388	7,580
Gross Unrealized Gains	44	36
Gross Unrealized Losses	18	50
Securities Available for Sale, at Fair Values	8,414	7,566
Corporate Debt Securities [Member]
Amortized Cost	13,141	11,148
Gross Unrealized Gains	79	31
Gross Unrealized Losses	35	52
Securities Available for Sale, at Fair Values	13,185	11,127
Collateralized Mortgage Backed Securities [Member]
Amortized Cost	96,372	101,766
Gross Unrealized Gains	22	20
Gross Unrealized Losses	1,540	2,414
Securities Available for Sale, at Fair Values	94,854	99,372
US States and Political Subdivisions Debt Securities [Member]
Amortized Cost	78,576	80,559
Gross Unrealized Gains	351	210
Gross Unrealized Losses	573	1,133
Securities Available for Sale, at Fair Values	78,354	79,636
Other Debt Obligations [Member]
Amortized Cost	821	820
Gross Unrealized Gains	0	0
Gross Unrealized Losses	158	179
Securities Available for Sale, at Fair Values	$ 663	$ 641

Note 5 - Securities - Summary o

Note 5 - Securities - Summary of Securities with Gross Unrealized Losses and Fair Values (Details) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Fair Value, Less Than 12 Months	$ 123,695	$ 147,169
Gross Unrealized Losses, Less Than 12 Months	1,837	3,183
Fair Value, 12 Months or Greater	17,347	15,248
Gross Unrealized Losses, 12 Months or Greater	487	645
Fair Value	141,042	162,417
Gross Unrealized Losses	2,324	3,828
US Government Agencies Debt Securities [Member]
Fair Value, Less Than 12 Months	3,022	4,535
Gross Unrealized Losses, Less Than 12 Months	18	50
Fair Value, 12 Months or Greater	0
Gross Unrealized Losses, 12 Months or Greater	0
Fair Value	3,022	4,535
Gross Unrealized Losses	18	50
Corporate Debt Securities [Member]
Fair Value, Less Than 12 Months	2,035	2,010
Gross Unrealized Losses, Less Than 12 Months	4	31
Fair Value, 12 Months or Greater	4,502	4,515
Gross Unrealized Losses, 12 Months or Greater	31	21
Fair Value	6,537	6,525
Gross Unrealized Losses	35	52
Collateralized Mortgage Backed Securities [Member]
Fair Value, Less Than 12 Months	80,064	86,091
Gross Unrealized Losses, Less Than 12 Months	1,247	1,974
Fair Value, 12 Months or Greater	11,434	9,885
Gross Unrealized Losses, 12 Months or Greater	293	440
Fair Value	91,498	95,976
Gross Unrealized Losses	1,540	2,414
US States and Political Subdivisions Debt Securities [Member]
Fair Value, Less Than 12 Months	38,574	54,533
Gross Unrealized Losses, Less Than 12 Months	568	1,128
Fair Value, 12 Months or Greater	748	207
Gross Unrealized Losses, 12 Months or Greater	5	5
Fair Value	39,322	54,740
Gross Unrealized Losses	573	1,133
Other Debt Obligations [Member]
Fair Value, Less Than 12 Months	0	0
Gross Unrealized Losses, Less Than 12 Months	0	0
Fair Value, 12 Months or Greater	663	641
Gross Unrealized Losses, 12 Months or Greater	158	179
Fair Value	663	641
Gross Unrealized Losses	$ 158	$ 179

Note 5 - Securities - Summary26

Note 5 - Securities - Summary of Amortized Cost and Fair Values of Securities Available-for-sale by Contractual Maturity (Details) $ in Thousands	Mar. 31, 2017USD ($)
Less Than One Year, Amortized Cost	$ 6,896
Less Than One Year, Fair Value	6,916
One to Five Years, Amortized Cost	49,423
One to Five Years, Fair Value	49,479
Over Five to Ten Years, Amortized Cost	65,038
Over Five to Ten Years, Fair Value	64,457
Over Ten Years, Amortized Cost	75,941
Over Ten Years, Fair Value	74,618
Amortized Cost	197,298
Fair Value	$ 195,470

Note 6 - Loans and the Allowa27

Note 6 - Loans and the Allowance for Loan Losses - (Details Textual) - USD ($)		3 Months Ended		12 Months Ended
		Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016	Dec. 31, 2015
Loans and Leases Receivable, Deferred Income		$ 1,000,000		$ 761,000
Loans and Leases Receivable Reclassified from Overdraft		154,000		232,000
Loans Receivable, Unpaid Principal Balance		63,100,000		55,500,000
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Carrying Amount, Net	[1]	1,535,000		1,776,000
Loans and Leases Receivable, Net of Deferred Income		854,018,000		810,951,000
Impaired Financing Receivable, Interest Income, Accrual Method		42,000	$ 77,000
Financing Receivable, Modifications, Subsequent Default, Recorded Investment		0		0
American Gateway Financial Corporation [Member]
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Carrying Amount, Net		1,535,000		1,776,000	$ 3,634,000
American Gateway Financial Corporation [Member] | Performing Financial Instruments [Member]
Loans and Leases Receivable, Deferred Income		2,200,000		2,400,000
Loans Receivable, Fair Value Disclosure		60,200,000		65,300,000
Loans and Leases Receivable, Net of Deferred Income		$ 60,900,000		$ 65,900,000
[1]	Purchased credit impaired loans are evaluated for impairment on an individual basis.

Note 6 - Loans and the Allowa28

Note 6 - Loans and the Allowance for Loan Losses - Summary of Loans Receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016	Dec. 31, 2015
Loans and Leases Receivable, Net of Deferred Income	$ 854,018	$ 810,951
Allowance for loan losses	(8,183)	(8,162)	$ (7,244)
Net loans	845,835	802,789
Commercial Real Estate Portfolio Segment [Member] | Construction and Land [Member]
Loans and Leases Receivable, Net of Deferred Income	105,142	94,426
Allowance for loan losses	(1,077)	(933)	(600)
Commercial Real Estate Portfolio Segment [Member] | Farmland [Member]
Loans and Leases Receivable, Net of Deferred Income	10,695	9,217
Allowance for loan losses	(88)	(75)	(30)
Commercial Real Estate Portfolio Segment [Member] | Nonfarm Nonresidential [Member]
Loans and Leases Receivable, Net of Deferred Income	311,064	298,057
Allowance for loan losses	(2,408)	(2,314)	(1,416)
Residential Portfolio Segment [Member] | Real Estate Residential One- to Four-Family [Member]
Loans and Leases Receivable, Net of Deferred Income	129,726	129,052
Allowance for loan losses	(1,426)	(1,228)	(1,021)
Residential Portfolio Segment [Member] | Multi-family Residential [Member]
Loans and Leases Receivable, Net of Deferred Income	23,795	22,737
Allowance for loan losses	(183)	(172)	(101)
Commercial Portfolio Segment [Member]
Loans and Leases Receivable, Net of Deferred Income	227,310	213,120
Allowance for loan losses	(2,618)	(3,039)	(3,618)
Consumer Portfolio Segment [Member]
Loans and Leases Receivable, Net of Deferred Income	46,286	44,342
Allowance for loan losses	$ (383)	$ (401)	$ (458)

Note 6 - Loans and the Allowa29

Note 6 - Loans and the Allowance for Loan Losses - Summary of Allowance for Credit Losses and Recorded Investment in Loans Receivable (Details) - USD ($) $ in Thousands		3 Months Ended		12 Months Ended
		Mar. 31, 2017	Mar. 31, 2016	Dec. 31, 2016
Allowance for credit losses, Beginning Balance		$ 8,162	$ 7,244	$ 7,244
Allowance for credit losses, Charge-offs		(378)		(1,789)
Allowance for credit losses, Recoveries		44		1,487
Allowance for credit losses, Provision		355	670	1,220
Allowance for credit losses, Ending Balance		8,183		8,162
Allowance for credit losses, Individually evaluated for impairment		881		887
Allowance for credit losses, Collectively evaluated for impairment		7,268		7,242
Allowance for credit losses, Purchased Credit Impaired	[1]	34		33
Loans receivable, Ending Balance		854,018		810,951
Loans receivable, Individually evaluated for impairment		12,595		12,009
Loans receivable, Collectively evaluated for impairment		839,888		797,166
Loans receivable, Purchased Credit Impaired	[1]	1,535		1,776
Commercial Real Estate Portfolio Segment [Member] | Construction and Land [Member]
Allowance for credit losses, Beginning Balance		933	600	600
Allowance for credit losses, Charge-offs		(2)		(484)
Allowance for credit losses, Recoveries		0		10
Allowance for credit losses, Provision		146		807
Allowance for credit losses, Ending Balance		1,077		933
Allowance for credit losses, Individually evaluated for impairment		22		0
Allowance for credit losses, Collectively evaluated for impairment		1,055		933
Allowance for credit losses, Purchased Credit Impaired	[1]	0		0
Loans receivable, Ending Balance		105,142		94,426
Loans receivable, Individually evaluated for impairment		137		143
Loans receivable, Collectively evaluated for impairment		104,842		94,117
Loans receivable, Purchased Credit Impaired	[1]	163		166
Commercial Real Estate Portfolio Segment [Member] | Farmland [Member]
Allowance for credit losses, Beginning Balance		75	30	30
Allowance for credit losses, Charge-offs		0		0
Allowance for credit losses, Recoveries		0		0
Allowance for credit losses, Provision		13		45
Allowance for credit losses, Ending Balance		88		75
Allowance for credit losses, Individually evaluated for impairment		0		0
Allowance for credit losses, Collectively evaluated for impairment		88		75
Allowance for credit losses, Purchased Credit Impaired	[1]	0		0
Loans receivable, Ending Balance		10,695		9,217
Loans receivable, Individually evaluated for impairment		0		0
Loans receivable, Collectively evaluated for impairment		10,695		9,217
Loans receivable, Purchased Credit Impaired	[1]	0		0
Commercial Real Estate Portfolio Segment [Member] | Nonfarm Nonresidential [Member]
Allowance for credit losses, Beginning Balance		2,314	1,416	1,416
Allowance for credit losses, Charge-offs		(318)		(473)
Allowance for credit losses, Recoveries		1		1,258
Allowance for credit losses, Provision		411		113
Allowance for credit losses, Ending Balance		2,408		2,314
Allowance for credit losses, Individually evaluated for impairment		88		98
Allowance for credit losses, Collectively evaluated for impairment		2,320		2,216
Allowance for credit losses, Purchased Credit Impaired	[1]	0		0
Loans receivable, Ending Balance		311,064		298,057
Loans receivable, Individually evaluated for impairment		3,201		1,073
Loans receivable, Collectively evaluated for impairment		306,706		295,590
Loans receivable, Purchased Credit Impaired	[1]	1,157		1,394
Residential Portfolio Segment [Member] | Real Estate Residential One- to Four-Family [Member]
Allowance for credit losses, Beginning Balance		1,228	1,021	1,021
Allowance for credit losses, Charge-offs		(20)		(162)
Allowance for credit losses, Recoveries		11		140
Allowance for credit losses, Provision		207		229
Allowance for credit losses, Ending Balance		1,426		1,228
Allowance for credit losses, Individually evaluated for impairment		424		252
Allowance for credit losses, Collectively evaluated for impairment		968		943
Allowance for credit losses, Purchased Credit Impaired	[1]	34		33
Loans receivable, Ending Balance		129,726		129,052
Loans receivable, Individually evaluated for impairment		3,043		3,263
Loans receivable, Collectively evaluated for impairment		126,468		125,573
Loans receivable, Purchased Credit Impaired	[1]	215		216
Residential Portfolio Segment [Member] | Multi-family Residential [Member]
Allowance for credit losses, Beginning Balance		172	101	101
Allowance for credit losses, Charge-offs		0		0
Allowance for credit losses, Recoveries		0		0
Allowance for credit losses, Provision		11		71
Allowance for credit losses, Ending Balance		183		172
Allowance for credit losses, Individually evaluated for impairment		0		0
Allowance for credit losses, Collectively evaluated for impairment		183		172
Allowance for credit losses, Purchased Credit Impaired	[1]	0		0
Loans receivable, Ending Balance		23,795		22,737
Loans receivable, Individually evaluated for impairment		0		0
Loans receivable, Collectively evaluated for impairment		23,795		22,737
Loans receivable, Purchased Credit Impaired	[1]	0		0
Commercial Portfolio Segment [Member]
Allowance for credit losses, Beginning Balance		3,039	3,618	3,618
Allowance for credit losses, Charge-offs		(8)		(667)
Allowance for credit losses, Recoveries		27		33
Allowance for credit losses, Provision		(440)		55
Allowance for credit losses, Ending Balance		2,618		3,039
Allowance for credit losses, Individually evaluated for impairment		347		501
Allowance for credit losses, Collectively evaluated for impairment		2,271		2,538
Allowance for credit losses, Purchased Credit Impaired	[1]	0		0
Loans receivable, Ending Balance		227,310		213,120
Loans receivable, Individually evaluated for impairment		6,054		7,332
Loans receivable, Collectively evaluated for impairment		221,256		205,788
Loans receivable, Purchased Credit Impaired	[1]	0		0
Consumer Portfolio Segment [Member]
Allowance for credit losses, Beginning Balance		401	$ 458	458
Allowance for credit losses, Charge-offs		(30)		(3)
Allowance for credit losses, Recoveries		5		46
Allowance for credit losses, Provision		7		(100)
Allowance for credit losses, Ending Balance		383		401
Allowance for credit losses, Individually evaluated for impairment		0		36
Allowance for credit losses, Collectively evaluated for impairment		383		365
Allowance for credit losses, Purchased Credit Impaired	[1]	0		0
Loans receivable, Ending Balance		46,286		44,342
Loans receivable, Individually evaluated for impairment		160		198
Loans receivable, Collectively evaluated for impairment		46,126		44,144
Loans receivable, Purchased Credit Impaired	[1]	$ 0		$ 0
[1]	Purchased credit impaired loans are evaluated for impairment on an individual basis.

Note 6 - Loans and the Allowa30

Note 6 - Loans and the Allowance for Loan Losses - Summary of Credit Quality Indicators, Disaggregated by Class of Loan (Details) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Credit quality indicators	$ 854,018	$ 810,951
Pass [Member]
Credit quality indicators	800,661	753,753
Special Mention [Member]
Credit quality indicators	32,919	37,533
Substandard [Member]
Credit quality indicators	7,945	12,539
Doubtful [Member]
Credit quality indicators	12,493	7,126
Commercial Real Estate Portfolio Segment [Member] | Construction and Land [Member]
Credit quality indicators	105,142	94,426
Commercial Real Estate Portfolio Segment [Member] | Construction and Land [Member] | Pass [Member]
Credit quality indicators	102,950	92,951
Commercial Real Estate Portfolio Segment [Member] | Construction and Land [Member] | Special Mention [Member]
Credit quality indicators	795	932
Commercial Real Estate Portfolio Segment [Member] | Construction and Land [Member] | Substandard [Member]
Credit quality indicators	1,159	300
Commercial Real Estate Portfolio Segment [Member] | Construction and Land [Member] | Doubtful [Member]
Credit quality indicators	238	243
Commercial Real Estate Portfolio Segment [Member] | Farmland [Member]
Credit quality indicators	10,695	9,217
Commercial Real Estate Portfolio Segment [Member] | Farmland [Member] | Pass [Member]
Credit quality indicators	10,695	9,217
Commercial Real Estate Portfolio Segment [Member] | Farmland [Member] | Special Mention [Member]
Credit quality indicators	0	0
Commercial Real Estate Portfolio Segment [Member] | Farmland [Member] | Substandard [Member]
Credit quality indicators	0	0
Commercial Real Estate Portfolio Segment [Member] | Farmland [Member] | Doubtful [Member]
Credit quality indicators	0	0
Commercial Real Estate Portfolio Segment [Member] | Nonfarm Nonresidential [Member]
Credit quality indicators	311,064	298,057
Commercial Real Estate Portfolio Segment [Member] | Nonfarm Nonresidential [Member] | Pass [Member]
Credit quality indicators	295,144	280,398
Commercial Real Estate Portfolio Segment [Member] | Nonfarm Nonresidential [Member] | Special Mention [Member]
Credit quality indicators	10,599	14,531
Commercial Real Estate Portfolio Segment [Member] | Nonfarm Nonresidential [Member] | Substandard [Member]
Credit quality indicators	1,703	1,927
Commercial Real Estate Portfolio Segment [Member] | Nonfarm Nonresidential [Member] | Doubtful [Member]
Credit quality indicators	3,618	1,201
Residential Portfolio Segment [Member] | Real Estate Residential One- to Four-Family [Member]
Credit quality indicators	129,726	129,052
Residential Portfolio Segment [Member] | Real Estate Residential One- to Four-Family [Member] | Pass [Member]
Credit quality indicators	120,338	118,891
Residential Portfolio Segment [Member] | Real Estate Residential One- to Four-Family [Member] | Special Mention [Member]
Credit quality indicators	5,136	4,782
Residential Portfolio Segment [Member] | Real Estate Residential One- to Four-Family [Member] | Substandard [Member]
Credit quality indicators	1,741	2,658
Residential Portfolio Segment [Member] | Real Estate Residential One- to Four-Family [Member] | Doubtful [Member]
Credit quality indicators	2,511	2,721
Residential Portfolio Segment [Member] | Multi-family Residential [Member]
Credit quality indicators	23,795	22,737
Residential Portfolio Segment [Member] | Multi-family Residential [Member] | Pass [Member]
Credit quality indicators	23,752	22,685
Residential Portfolio Segment [Member] | Multi-family Residential [Member] | Special Mention [Member]
Credit quality indicators	0	0
Residential Portfolio Segment [Member] | Multi-family Residential [Member] | Substandard [Member]
Credit quality indicators	43	52
Residential Portfolio Segment [Member] | Multi-family Residential [Member] | Doubtful [Member]
Credit quality indicators	0	0
Commercial Portfolio Segment [Member]
Credit quality indicators	227,310	213,120
Commercial Portfolio Segment [Member] | Pass [Member]
Credit quality indicators	202,238	186,197
Commercial Portfolio Segment [Member] | Special Mention [Member]
Credit quality indicators	16,056	16,783
Commercial Portfolio Segment [Member] | Substandard [Member]
Credit quality indicators	3,050	7,377
Commercial Portfolio Segment [Member] | Doubtful [Member]
Credit quality indicators	5,966	2,763
Consumer Portfolio Segment [Member]
Credit quality indicators	46,286	44,342
Consumer Portfolio Segment [Member] | Pass [Member]
Credit quality indicators	45,544	43,414
Consumer Portfolio Segment [Member] | Special Mention [Member]
Credit quality indicators	333	505
Consumer Portfolio Segment [Member] | Substandard [Member]
Credit quality indicators	249	225
Consumer Portfolio Segment [Member] | Doubtful [Member]
Credit quality indicators	$ 160	$ 198

Note 6 - Loans and the Allowa31

Note 6 - Loans and the Allowance for Loan Losses - Summary of Aged Analysis of Past Due Loans Receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Past Due	$ 11,749	$ 6,071
Current	842,269	804,880
Credit quality indicators	854,018	810,951
Recorded Investment Over 90 Days Past Due and Still Accruing	53	168
Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	4,572	2,935
Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	1,042	1,124
Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past Due	6,135	2,012
Commercial Real Estate Portfolio Segment [Member] | Construction and Land [Member]
Past Due	1,056	571
Current	104,086	93,855
Credit quality indicators	105,142	94,426
Recorded Investment Over 90 Days Past Due and Still Accruing	0	0
Commercial Real Estate Portfolio Segment [Member] | Construction and Land [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	372	465
Commercial Real Estate Portfolio Segment [Member] | Construction and Land [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	490	0
Commercial Real Estate Portfolio Segment [Member] | Construction and Land [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past Due	194	106
Commercial Real Estate Portfolio Segment [Member] | Farmland [Member]
Past Due	0	0
Current	10,695	9,217
Credit quality indicators	10,695	9,217
Recorded Investment Over 90 Days Past Due and Still Accruing	0	0
Commercial Real Estate Portfolio Segment [Member] | Farmland [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	0	0
Commercial Real Estate Portfolio Segment [Member] | Farmland [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	0	0
Commercial Real Estate Portfolio Segment [Member] | Farmland [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past Due	0	0
Commercial Real Estate Portfolio Segment [Member] | Nonfarm Nonresidential [Member]
Past Due	3,968	2,075
Current	307,096	295,982
Credit quality indicators	311,064	298,057
Recorded Investment Over 90 Days Past Due and Still Accruing	0	0
Commercial Real Estate Portfolio Segment [Member] | Nonfarm Nonresidential [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	1,156	1,370
Commercial Real Estate Portfolio Segment [Member] | Nonfarm Nonresidential [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	76	173
Commercial Real Estate Portfolio Segment [Member] | Nonfarm Nonresidential [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past Due	2,736	532
Residential Portfolio Segment [Member] | Real Estate Residential One- to Four-Family [Member]
Past Due	1,739	2,531
Current	127,987	126,521
Credit quality indicators	129,726	129,052
Recorded Investment Over 90 Days Past Due and Still Accruing	0	117
Residential Portfolio Segment [Member] | Real Estate Residential One- to Four-Family [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	560	989
Residential Portfolio Segment [Member] | Real Estate Residential One- to Four-Family [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	476	579
Residential Portfolio Segment [Member] | Real Estate Residential One- to Four-Family [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past Due	703	963
Residential Portfolio Segment [Member] | Multi-family Residential [Member]
Past Due	0	0
Current	23,795	22,737
Credit quality indicators	23,795	22,737
Recorded Investment Over 90 Days Past Due and Still Accruing	0	0
Residential Portfolio Segment [Member] | Multi-family Residential [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	0	0
Residential Portfolio Segment [Member] | Multi-family Residential [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	0	0
Residential Portfolio Segment [Member] | Multi-family Residential [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past Due	0	0
Commercial Portfolio Segment [Member]
Past Due	4,828	679
Current	222,482	212,441
Credit quality indicators	227,310	213,120
Recorded Investment Over 90 Days Past Due and Still Accruing	53	51
Commercial Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	2,475	45
Commercial Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	0	372
Commercial Portfolio Segment [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past Due	2,353	262
Consumer Portfolio Segment [Member]
Past Due	158	215
Current	46,128	44,127
Credit quality indicators	46,286	44,342
Recorded Investment Over 90 Days Past Due and Still Accruing	0	0
Consumer Portfolio Segment [Member] | Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	9	66
Consumer Portfolio Segment [Member] | Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	0	0
Consumer Portfolio Segment [Member] | Financing Receivables, Equal to Greater than 90 Days Past Due [Member]
Past Due	$ 149	$ 149

Note 6 - Loans and the Allowa32

Note 6 - Loans and the Allowance for Loan Losses - Summary of Information Pertaining to Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2017	Dec. 31, 2016
Recorded Investment, with an allowance recorded	$ 1,930	$ 1,539
Unpaid Principal Balance, with an allowance recorded	2,023	1,583
Related Allowance	881	887
Average Recorded Investment, with an allowance recorded	1,512	2,322
Recorded Investment, with no allowance recorded	10,665	10,470
Unpaid Principal Balance, with no allowance recorded	12,337	12,145
Average Recorded Investment, with no allowance recorded	10,668	10,873
Recorded Investment	12,595	12,009
Unpaid Principal Balance	14,360	13,728
Average Recorded Investment	12,180	13,195
Commercial Real Estate Portfolio Segment [Member] | Construction and Land [Member]
Recorded Investment, with an allowance recorded	89	0
Unpaid Principal Balance, with an allowance recorded	89	0
Related Allowance	22	0
Average Recorded Investment, with an allowance recorded	30	655
Recorded Investment, with no allowance recorded	48	143
Unpaid Principal Balance, with no allowance recorded	58	152
Average Recorded Investment, with no allowance recorded	109	124
Recorded Investment	137	143
Unpaid Principal Balance	147	152
Average Recorded Investment	139	779
Commercial Real Estate Portfolio Segment [Member] | Farmland [Member]
Recorded Investment, with an allowance recorded	0	0
Unpaid Principal Balance, with an allowance recorded	0	0
Related Allowance	0	0
Average Recorded Investment, with an allowance recorded	0	0
Recorded Investment, with no allowance recorded	0	0
Unpaid Principal Balance, with no allowance recorded	0	0
Average Recorded Investment, with no allowance recorded	0	0
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Average Recorded Investment	0	0
Commercial Real Estate Portfolio Segment [Member] | Nonfarm Nonresidential [Member]
Recorded Investment, with an allowance recorded	376	368
Unpaid Principal Balance, with an allowance recorded	384	368
Related Allowance	88	98
Average Recorded Investment, with an allowance recorded	366	31
Recorded Investment, with no allowance recorded	2,825	705
Unpaid Principal Balance, with no allowance recorded	2,849	729
Average Recorded Investment, with no allowance recorded	1,410	3,730
Recorded Investment	3,201	1,073
Unpaid Principal Balance	3,233	1,097
Average Recorded Investment	1,776	3,761
Residential Portfolio Segment [Member] | Real Estate Residential One- to Four-Family [Member]
Recorded Investment, with an allowance recorded	1,003	440
Unpaid Principal Balance, with an allowance recorded	1,073	470
Related Allowance	424	252
Average Recorded Investment, with an allowance recorded	624	372
Recorded Investment, with no allowance recorded	2,040	2,823
Unpaid Principal Balance, with no allowance recorded	2,441	3,276
Average Recorded Investment, with no allowance recorded	2,661	3,296
Recorded Investment	3,043	3,263
Unpaid Principal Balance	3,514	3,746
Average Recorded Investment	3,285	3,668
Residential Portfolio Segment [Member] | Multi-family Residential [Member]
Recorded Investment, with an allowance recorded	0	0
Unpaid Principal Balance, with an allowance recorded	0	0
Related Allowance	0	0
Average Recorded Investment, with an allowance recorded	0	0
Recorded Investment, with no allowance recorded	0	0
Unpaid Principal Balance, with no allowance recorded	0	0
Average Recorded Investment, with no allowance recorded	0	0
Recorded Investment	0	0
Unpaid Principal Balance	0	0
Average Recorded Investment	0	0
Commercial Portfolio Segment [Member]
Recorded Investment, with an allowance recorded	462	695
Unpaid Principal Balance, with an allowance recorded	477	709
Related Allowance	347	501
Average Recorded Investment, with an allowance recorded	472	1,252
Recorded Investment, with no allowance recorded	5,592	6,637
Unpaid Principal Balance, with no allowance recorded	6,798	7,826
Average Recorded Investment, with no allowance recorded	6,327	3,680
Recorded Investment	6,054	7,332
Unpaid Principal Balance	7,275	8,535
Average Recorded Investment	6,799	4,932
Consumer Portfolio Segment [Member]
Recorded Investment, with an allowance recorded	0	36
Unpaid Principal Balance, with an allowance recorded	0	36
Related Allowance	0	36
Average Recorded Investment, with an allowance recorded	20	12
Recorded Investment, with no allowance recorded	160	162
Unpaid Principal Balance, with no allowance recorded	191	162
Average Recorded Investment, with no allowance recorded	161	43
Recorded Investment	160	198
Unpaid Principal Balance	191	198
Average Recorded Investment	$ 181	$ 55

Note 6 - Loans and the Allowa33

Note 6 - Loans and the Allowance for Loan Losses - Summary of Changes in Carrying Amount of Purchased Impaired Credits (Details) - USD ($) $ in Thousands		3 Months Ended	12 Months Ended
		Mar. 31, 2017	Dec. 31, 2016
Carrying amount, beginning balance	[1]	$ 1,776
Carrying amount, ending balance	[1]	1,535	$ 1,776
American Gateway Financial Corporation [Member]
Carrying amount, beginning balance		1,776	3,634
Payments received, net of discounts realized		(84)	(1,181)
Charge-offs		(302)	(352)
Transfer to other real estate			(325)
Carrying amount, ending balance		1,535	$ 1,776
Purchased impaired credit participation interest sales proceeds, net of discount realized		$ 145
[1]	Purchased credit impaired loans are evaluated for impairment on an individual basis.

Note 6 - Loans and the Allowa34

Note 6 - Loans and the Allowance for Loan Losses - Summary of Informative Data Regarding Loan Modifications (Details) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2017USD ($)	Dec. 31, 2016USD ($)
Number of Contracts	7	9
Pre-Modification Outstanding Recorded Investment	$ 6,715	$ 7,750
Post-Modification Outstanding Recorded Investment	$ 5,002	$ 5,931
Residential Portfolio Segment [Member] | Real Estate Residential One- to Four-Family [Member]
Number of Contracts	3	3
Pre-Modification Outstanding Recorded Investment	$ 870	$ 870
Post-Modification Outstanding Recorded Investment	$ 600	$ 608
Commercial Portfolio Segment [Member]
Number of Contracts	4	6
Pre-Modification Outstanding Recorded Investment	$ 5,845	$ 6,880
Post-Modification Outstanding Recorded Investment	$ 4,402	$ 5,323

Note 7 - Fair Value of Financ35

Note 7 - Fair Value of Financial Instruments - (Details Textual) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Liabilities, Fair Value Disclosure, Nonrecurring	$ 0	$ 0
Liabilities, Fair Value Disclosure, Recurring	$ 0	$ 0

Note 7 - Fair Value of Financ36

Note 7 - Fair Value of Financial Instruments - Summary of Financial Assets Measured at Fair Value on Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Securities Available for Sale, at Fair Values	$ 195,470	$ 198,342
Fair Value, Inputs, Level 1 [Member]
Securities Available for Sale, at Fair Values
Fair Value, Inputs, Level 2 [Member]
Securities Available for Sale, at Fair Values	195,470	198,342
Fair Value, Inputs, Level 3 [Member]
Securities Available for Sale, at Fair Values
US Government Agencies Debt Securities [Member]
Securities Available for Sale, at Fair Values	8,414	7,566
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities Available for Sale, at Fair Values
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities Available for Sale, at Fair Values	8,414	7,566
US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities Available for Sale, at Fair Values
Corporate Debt Securities [Member]
Securities Available for Sale, at Fair Values	13,185	11,127
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities Available for Sale, at Fair Values
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities Available for Sale, at Fair Values	13,185	11,127
Corporate Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities Available for Sale, at Fair Values
Collateralized Mortgage Backed Securities [Member]
Securities Available for Sale, at Fair Values	94,854	99,372
Collateralized Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities Available for Sale, at Fair Values
Collateralized Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities Available for Sale, at Fair Values	94,854	99,372
Collateralized Mortgage Backed Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities Available for Sale, at Fair Values
US States and Political Subdivisions Debt Securities [Member]
Securities Available for Sale, at Fair Values	78,354	79,636
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]
Securities Available for Sale, at Fair Values
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]
Securities Available for Sale, at Fair Values	78,354	79,636
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]
Securities Available for Sale, at Fair Values
Other Debt Obligations [Member]
Securities Available for Sale, at Fair Values	663	641
Other Debt Obligations [Member] | Fair Value, Inputs, Level 1 [Member]
Securities Available for Sale, at Fair Values
Other Debt Obligations [Member] | Fair Value, Inputs, Level 2 [Member]
Securities Available for Sale, at Fair Values	663	641
Other Debt Obligations [Member] | Fair Value, Inputs, Level 3 [Member]
Securities Available for Sale, at Fair Values

Note 7 - Fair Value of Financ37

Note 7 - Fair Value of Financial Instruments - Summary of Financial Assets Measured at Fair Value on a Nonrecurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Assets, Fair Value Disclosure, Nonrecurring Basis	$ 14,626	$ 14,061
Fair Value, Inputs, Level 1 [Member]
Assets, Fair Value Disclosure, Nonrecurring Basis
Fair Value, Inputs, Level 2 [Member]
Assets, Fair Value Disclosure, Nonrecurring Basis	14,626	14,061
Fair Value, Inputs, Level 3 [Member]
Assets, Fair Value Disclosure, Nonrecurring Basis
Impaired Loans [Member]
Assets, Fair Value Disclosure, Nonrecurring Basis	13,215	12,865
Impaired Loans [Member] | Fair Value, Inputs, Level 1 [Member]
Assets, Fair Value Disclosure, Nonrecurring Basis
Impaired Loans [Member] | Fair Value, Inputs, Level 2 [Member]
Assets, Fair Value Disclosure, Nonrecurring Basis	13,215	12,865
Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member]
Assets, Fair Value Disclosure, Nonrecurring Basis
Repossessed Assets [Member]
Assets, Fair Value Disclosure, Nonrecurring Basis	1,411	1,196
Repossessed Assets [Member] | Fair Value, Inputs, Level 1 [Member]
Assets, Fair Value Disclosure, Nonrecurring Basis
Repossessed Assets [Member] | Fair Value, Inputs, Level 2 [Member]
Assets, Fair Value Disclosure, Nonrecurring Basis	1,411	1,196
Repossessed Assets [Member] | Fair Value, Inputs, Level 3 [Member]
Assets, Fair Value Disclosure, Nonrecurring Basis

Note 7 - Fair Value of Financ38

Note 7 - Fair Value of Financial Instruments - Estimated Fair Values of Banks' Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2017	Dec. 31, 2016
Securities	$ 195,470	$ 198,342
Other Equity Securities	6,070	6,120
Fair Value, Inputs, Level 1 [Member]
Securities
Fair Value, Inputs, Level 2 [Member]
Securities	195,470	198,342
Fair Value, Inputs, Level 3 [Member]
Securities
Reported Value Measurement [Member]
Cash and Short-Term Investments	58,645	44,729
Securities	195,470	198,342
Loans - Net	845,835	802,789
Cash Value of BOLI	22,717	22,567
Other Equity Securities	6,070	6,120
Total	1,128,737	1,074,727
Deposits	963,262	932,795
Borrowings	73,475	53,646
Total	1,036,737	986,441
Mortgage Loans Held for Sale		180
Estimate of Fair Value Measurement [Member]
Cash and Short-Term Investments	58,645	44,729
Securities	195,470	198,342
Loans - Net	839,566	796,400
Cash Value of BOLI	22,717	22,567
Other Equity Securities	6,070	6,120
Total	1,122,468	1,068,338
Deposits	962,344	912,702
Borrowings	73,311	53,706
Total	1,035,655	966,408
Mortgage Loans Held for Sale		180
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and Short-Term Investments	58,645	44,729
Securities
Loans - Net
Cash Value of BOLI
Other Equity Securities
Total	58,645	44,729
Deposits
Borrowings
Total
Mortgage Loans Held for Sale
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Cash and Short-Term Investments
Securities	195,470	198,342
Loans - Net
Cash Value of BOLI	22,717	22,567
Other Equity Securities
Total	218,187	221,089
Deposits
Borrowings	73,311	53,706
Total	73,311	53,706
Mortgage Loans Held for Sale		180
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Cash and Short-Term Investments
Securities
Loans - Net	839,566	796,400
Cash Value of BOLI
Other Equity Securities	6,070	6,120
Total	845,636	802,520
Deposits	962,344	912,702
Borrowings
Total	$ 962,344	912,702
Mortgage Loans Held for Sale