QCR (QCRH) 10-Q6 Aug 212021 Q2 Quarterly reportFinancial data

Company Profile

Document and Entity Information

Document and Entity Information - shares	6 Months Ended
Document and Entity Information - shares	Jun. 30, 2021	Aug. 01, 2021
Document and Entity Information [Abstract]
Document Type	10-Q
Document Quarterly Report	true
Document Transition Report	false
Document Period End Date	Jun. 30, 2021
Entity File Number	0-22208
Entity Registrant Name	QCR HOLDINGS, INC.
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	42-1397595
Entity Address, Address Line One	3551 7th Street
Entity Address, City or Town	Moline
Entity Address, State or Province	IL
Entity Address, Postal Zip Code	61265
City Area Code	309
Local Phone Number	736-3580
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Accelerated Filer
Entity Small Business	false
Entity Emerging Growth Company	false
Entity Shell Company	false
Title of 12(b) Security	Common Stock, $1.00 Par Value
Trading Symbol	QCRH
Security Exchange Name	NASDAQ
Entity Common Stock, Shares Outstanding (in shares)		15,769,161
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2021
Document Fiscal Period Focus	Q2
Entity Central Index Key	0000906465
Amendment Flag	false

CONSOLIDATED BALANCE SHEETS

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Assets
Cash and due from banks	$ 55,598	$ 61,329
Federal funds sold	1,340	9,080
Interest-bearing deposits at financial institutions	87,440	86,596
Securities held to maturity, at amortized cost, net of allowance for credit losses	473,159	476,165
Securities available for sale, at fair value	337,286	361,966
Total securities	810,445	838,131
Loans receivable held for sale	4,459	3,758
Loans/leases receivable held for investment	4,413,246	4,247,371
Gross loans/leases receivable	4,417,705	4,251,129
Less allowance for credit losses	(78,894)	(84,376)
Net loans/leases receivable	4,338,811	4,166,753
Bank-owned life insurance	61,509	60,586
Premises and equipment, net	74,765	72,693
Restricted investment securities	20,337	18,103
Other real estate owned, net	1,820	20
Goodwill	74,066	74,066
Intangibles	10,365	11,381
Derivatives	193,395	222,757
Other assets	75,274	61,302
Total assets	5,805,165	5,682,797
Liabilities and Stockholders' Equity
Noninterest-bearing	1,258,885	1,145,378
Interest-bearing	3,430,050	3,453,759
Total deposits	4,688,935	4,599,137
Short-term borrowings	7,070	5,430
Federal Home Loan Bank advances	40,000	15,000
Subordinated notes	113,771	118,691
Junior subordinated debentures	38,067	37,993
Derivatives	196,092	229,270
Other liabilities	90,754	83,483
Total liabilities	5,174,689	5,089,004
Stockholders' Equity:
Preferred stock, $1 par value; shares authorized 250,000 June 2021 and December 2020 - no shares issued or outstanding
Common stock, $1 par value; shares authorized 20,000,000 June 2021 - 15,763,522 shares issued and outstanding December 2020 - 15,805,711 shares issued and outstanding	15,764	15,806
Additional paid-in capital	275,485	275,807
Retained earnings	335,424	300,804
Accumulated other comprehensive income (loss):
Securities available for sale	8,244	9,008
Derivatives	(4,441)	(7,632)
Total stockholders' equity	630,476	593,793
Total liabilities and stockholders' equity	$ 5,805,165	$ 5,682,797

CONSOLIDATED BALANCE SHEETS (Pa

CONSOLIDATED BALANCE SHEETS (Parentheticals) - $ / shares	Jun. 30, 2021	Dec. 31, 2020
Statement of Financial Position [Abstract]
Preferred stock, par value (in dollars per share)	$ 1	$ 1
Preferred stock, authorized (in shares)	250,000	250,000
Preferred stock, issued (in shares)	0	0
Preferred stock, outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 1	$ 1
Common stock, authorized (in shares)	20,000,000	20,000,000
Common stock, issued (in shares)	15,763,522	15,805,711
Common stock, outstanding (in shares)	15,763,522	15,805,711

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Interest and dividend income:
Loans/leases, including fees	$ 42,448	$ 42,614	$ 83,781	$ 85,774
Securities:
Taxable	2,132	2,048	4,174	3,775
Nontaxable	4,052	3,565	7,986	7,024
Interest-bearing deposits at financial institutions	34	134	71	495
Restricted investment securities	237	288	456	546
Federal funds sold		1		18
Total interest and dividend income	48,903	48,650	96,468	97,632
Interest expense:
Deposits	3,235	5,766	6,662	14,972
Short-term borrowings	2	22	3	86
Federal Home Loan Bank advances	16	347	25	796
Subordinated notes	1,570	994	3,164	1,988
Junior subordinated debentures	564	573	1,123	1,144
Total interest expense	5,387	7,702	10,977	18,986
Net interest income	43,516	40,948	85,491	78,646
Provision for credit losses		19,915	6,713	28,282
Net interest income after provision for loan/lease losses	43,516	21,033	78,778	50,364
Noninterest income:
Revenue	68,199	77,276	139,253	141,454
Gains on sales of residential real estate loans, net	1,184	1,196	2,521	1,848
Swap fee income/capitals markets revenue	9,568	19,927	23,125	26,731
Securities gains (losses), net	(88)	65	(88)	65
Earnings on bank-owned life insurance	451	612	922	941
Other	1,449	941	3,135	1,863
Total noninterest income	19,296	28,626	42,785	43,822
Noninterest expenses:
Salaries and employee benefits	23,044	21,304	47,891	39,823
Occupancy and equipment expense	3,965	3,748	8,073	7,780
Professional and data processing fees	3,702	3,646	7,145	7,015
Post-acquisition compensation, transition and integration costs		70		221
Disposition costs		(83)	8	434
FDIC insurance, other insurance and regulatory fees	986	908	2,051	1,591
Loan/lease expense	457	339	757	567
Net income from and gains/losses on operations of other real estate	(113)	(332)	(74)	(319)
Advertising and marketing	853	552	1,480	1,234
Bank service charges	572	501	1,095	1,005
Losses on liability extinguishment		429		576
Correspondent banking expense	198	212	398	428
Intangibles amortization	508	548	1,016	1,097
Goodwill impairment				500
Other	1,503	1,280	3,063	2,585
Total noninterest expenses	35,675	33,122	72,903	64,537
Net income before income taxes	27,137	16,537	48,660	29,649
Federal and state income tax expense	4,788	2,798	8,329	4,682
Net income	$ 22,349	$ 13,739	$ 40,331	$ 24,967
Basic earnings per common share	$ 1.41	$ 0.87	$ 2.55	$ 1.58
Diluted earnings per common share	$ 1.39	$ 0.86	$ 2.52	$ 1.56
Weighted average common shares outstanding	15,813,932	15,747,056	15,808,788	15,771,926
Weighted average common and common equivalent shares outstanding	16,045,239	15,895,336	16,035,394	15,956,958
Cash dividends declared per common share	$ 0.06	$ 0.06	$ 0.12	$ 0.12
Trust department fees
Noninterest income:
Revenue	$ 2,848	$ 2,227	$ 5,649	$ 4,539
Investment advisory and management fees
Noninterest income:
Revenue	1,039	1,399	1,979	3,126
Deposit service fees
Noninterest income:
Revenue	1,492	1,286	2,900	2,763
Debit card fees
Noninterest income:
Revenue	1,084	775	2,059	1,533
Correspondent banking fees
Noninterest income:
Revenue	$ 269	$ 198	$ 583	$ 413

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Statement of Comprehensive Income [Abstract]
Net income	$ 22,349	$ 13,739	$ 40,331	$ 24,967
Other comprehensive income (loss):
Unrealized holding gains (losses) arising during the period before tax	4,663	5,336	(1,096)	7,817
Less reclassification adjustment for gains (losses) included in net income before tax	(88)	65	(88)	65
Unrealized gains (losses) on securities available for sale	4,751	5,271	(1,008)	7,752
Unrealized holding gains (losses) arising during the period before tax	492	(654)	3,725	(7,815)
Less reclassification adjustment for caplet amortization before tax	(163)	(124)	(314)	(234)
Unrealized gains (losses) on derivatives	655	(530)	4,039	(7,581)
Other comprehensive income, before tax	5,406	4,741	3,031	171
Tax expense	1,227	1,119	603	240
Other comprehensive income (loss), net of tax	4,179	3,622	2,428	(69)
Comprehensive income	$ 26,528	$ 17,361	$ 42,759	$ 24,898

CONSOLIDATED STATEMENTS OF CHAN

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
Balance at Dec. 31, 2019	$ 15,828	$ 274,785	$ 245,836	$ (1,098)	$ 535,351
Net income			11,228		11,228
Other comprehensive income (loss), net of tax				(3,691)	(3,691)
Repurchase and cancellation of shares of common stock as a result of share repurchase program	(101)	(1,844)	(1,835)		(3,780)
Common cash dividends declared			(942)		(942)
Stock-based compensation expense		641			641
Issuance of common stock under employee benefit plans	47	285			332
Balance at Mar. 31, 2020	15,774	273,867	254,287	(4,789)	539,139
Balance at Dec. 31, 2019	15,828	274,785	245,836	(1,098)	535,351
Net income					24,967
Other comprehensive income (loss), net of tax					(69)
Balance at Jun. 30, 2020	15,791	274,315	267,081	(1,167)	556,020
Balance at Mar. 31, 2020	15,774	273,867	254,287	(4,789)	539,139
Net income			13,739		13,739
Other comprehensive income (loss), net of tax				3,622	3,622
Common cash dividends declared			(945)		(945)
Stock-based compensation expense		423			423
Issuance of common stock under employee benefit plans	17	25			42
Balance at Jun. 30, 2020	15,791	274,315	267,081	(1,167)	556,020
Impact of adoption of ASU 2016-13					300,804
Balance at Dec. 31, 2020	15,806	275,807	300,804	1,376	593,793
Net income			17,982		17,982
Other comprehensive income (loss), net of tax				(1,751)	(1,751)
Common cash dividends declared			(949)		(949)
Stock-based compensation expense		841			841
Issuance of common stock under employee benefit plans	(38)	298			260
Balance at Mar. 31, 2021	15,844	276,350	316,900	(375)	608,719
Balance at Dec. 31, 2020	15,806	275,807	300,804	1,376	593,793
Net income					40,331
Other comprehensive income (loss), net of tax					2,428
Balance at Jun. 30, 2021	15,764	275,485	335,424	3,803	630,476
Impact of adoption of ASU 2016-13 \| Accounting Standards Update 2016-13			937		937
Balance at Mar. 31, 2021	15,844	276,350	316,900	(375)	608,719
Net income			22,349		22,349
Other comprehensive income (loss), net of tax				4,179	4,179
Repurchase and cancellation of shares of common stock as a result of share repurchase program	(100)	(1,826)	(2,874)		(4,800)
Common cash dividends declared			(951)		(951)
Stock-based compensation expense		520			520
Issuance of common stock under employee benefit plans	20	440			460
Balance at Jun. 30, 2021	$ 15,764	$ 275,485	$ 335,424	$ 3,803	630,476
Impact of adoption of ASU 2016-13					$ 335,424

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (Parentheticals) - $ / shares	3 Months Ended
	Jun. 30, 2021	Mar. 31, 2021	Jun. 30, 2020	Mar. 31, 2020
Cash dividends declared per common share	$ 0.06		$ 0.06
Repurchase and cancellation of common stock as a result of share repurchase program (in shares)	100,000			100,932
Common Stock [Member]
Cash dividends declared per common share	$ 0.06	$ 0.06	$ 0.06	$ 0.06

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 40,331	$ 24,967
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation	2,701	2,690
Provision for credit losses	6,713	28,282
Stock-based compensation expense	1,361	1,064
Deferred compensation expense accrued	2,302	1,705
Gains on other real estate owned, net	(389)	(369)
Amortization of premiums on securities, net	1,092	557
Caplet amortization	314	234
Mark to market gains on unhedged derivatives, net	(91)
Securities (gains) losses, net	88	(65)
Loans originated for sale	(115,649)	(98,837)
Proceeds on sales of loans	117,469	96,031
Gains on sales of residential real estate loans	(2,521)	(1,848)
Loss on liability extinguishment, net		576
Gains on sales of premises and equipment	(22)	(8)
Amortization of intangibles	1,016	1,097
Accretion of acquisition fair value adjustments, net	(795)	(1,361)
Increase in cash value of bank-owned life insurance	(922)	(941)
Goodwill impairment		500
Increase in other assets	(14,322)	(2,255)
Decrease in other liabilities	(5,941)	(12,729)
Net cash provided by operating activities	32,735	39,290
CASH FLOWS FROM INVESTING ACTIVITIES
Net decrease in federal funds sold	7,740	7,675
Net decrease (increase) in interest-bearing deposits at financial institutions	(844)	7,116
Proceeds from sales of other real estate owned	1,407	4,341
Activity in securities portfolio:
Purchases	(108,565)	(166,743)
Calls, maturities and redemptions	70,539	11,946
Paydowns	40,395	22,541
Sales	23,874	4,592
Activity in restricted investment securities:
Purchases	(2,280)	(4,274)
Redemptions	46	4,317
Net increase in loans/leases originated and held for investment	(170,969)	(447,385)
Purchase of premises and equipment	(4,773)	(1,828)
Proceeds from sales of premises and equipment	22	88
Net cash used in investing activities	(143,408)	(557,614)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in deposit accounts	89,798	408,849
Net increase in short-term borrowings	1,640	111,395
Activity in Federal Home Loan Bank advances:
Term advances		85,000
Calls and maturities		(40,000)
Net change in short-term and overnight advances	25,000	(59,300)
Activity in other borrowings:
Prepayments on brokered and public time deposits		29,359
Prepayments of subordinated notes	(5,000)
Payment of cash dividends on common stock	(1,896)	(1,884)
Proceeds from issuance of common stock, net	200	1,008
Repurchase and cancellation of shares	(4,800)	(3,780)
Net cash provided by financing activities	104,942	530,647
Net increase (decrease) in cash and due from banks	(5,731)	12,323
Cash and due from banks, beginning	61,329	76,254
Cash and due from banks, ending	55,598	88,577
Supplemental disclosure of cash flow information, cash payments for:
Interest	12,257	19,377
Income/franchise taxes	21,310	(1,099)
Supplemental schedule of noncash investing activities:
Change in accumulated other comprehensive income, unrealized gains (losses) on securities available for sale and derivative instruments, net	2,427	(69)
Exchange of shares of common stock in connection with payroll taxes for restricted stock and in connection with stock options exercised		(636)
Transfers of loans to other real estate owned	2,812
Due to broker for purchases of securities	1,000	4,338
Due from broker for sales of securities		1,735
Increase (decrease) in the fair value of back-to-back interest rate swap assets and liabilities	(31,297)	140,048
Dividends payable	$ 951	$ 945

NOTE 1 - SUMMARY OF SIGNIFICANT

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	6 Months Ended
NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	Jun. 30, 2021
Notes to Financial Statements
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES	NOTE 1 – SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES Basis of presentation The financial information of the Company included herein has been prepared in accordance with GAAP for interim financial reporting and has been prepared pursuant to the rules and regulations for reporting on Form 10-Q and Rule 10-01 of Regulation S-X. Such information reflects all adjustments (consisting of normal recurring adjustments) that are, in the opinion of management, necessary for a fair presentation of the financial position and results of operations for the periods presented. Any differences appearing between the numbers presented in financial statements and management's discussion and analysis are due to rounding. The results of the interim period ended June 30, 2021 are not necessarily indicative of the results expected for the year ending December 31, 2021, or for any other period. The acronyms and abbreviations identified below are used throughout this Quarterly Report on Form 10-Q. It may be helpful to refer back to this page as you read this report. ACL: Allowance for credit losses Allowance: Allowance for credit losses GAAP: Generally Accepted Accounting Principles HTM: Held to maturity AOCI: Accumulated other comprehensive income (loss) LIBOR: London Inter-Bank Offered Rate AFS: Available for sale LRP: Loan Relief Program ASC: Accounting Standards Codification m2: m2 Equipment Finance, LLC ASU: Accounting Standards Update MSELF: Main Street Expanded Loan Facility Bates Companies: Bates Financial Advisors, Inc., Bates MSNLF: Main Street New Loan Facility Financial Services, Inc., Bates Securities, Inc. and NIM: Net interest margin Bates Financial Group, Inc. NPA: Nonperforming asset BOLI: Bank-owned life insurance NPL: Nonperforming loan Caps: Interest rate cap derivatives OBS: Off-balance sheet CARES Act: Coronavirus Aid, Relief and Economy OREO: Other real estate owned Security Act OTTI: Other-than-temporary impairment CECL: Current Expected Credit Losses PCAOB: Public Company Accounting Oversight Board Community National: Community National Bancorporation PCD: Purchased credit deteriorated loan COVID-19: Coronavirus Disease 2019 PCI: Purchased credit impaired CRBT: Cedar Rapids Bank & Trust Company PPP: Paycheck Protection Program CRE: Commercial real estate Provision: Provision for credit losses CSB: Community State Bank QCBT: Quad City Bank & Trust Company C&I: Commercial and industrial RB&T: Rockford Bank & Trust Company EPS: Earnings per share ROAA: Return on average assets Exchange Act: Securities Exchange Act of 1934, as SBA: U.S. Small Business Administration amended SEC: Securities and Exchange Commission FASB: Financial Accounting Standards Board SFCB: Springfield First Community Bank FDIC: Federal Deposit Insurance Corporation Springfield Bancshares: Springfield Bancshares, Inc. Federal Reserve: Board of Governors of the Federal TA: Tangible assets Reserve System TCE: Tangible common equity FHLB: Federal Home Loan Bank TDRs: Troubled debt restructurings FRB: Federal Reserve Bank of Chicago TEY: Tax equivalent yield The Company: QCR Holdings, Inc. The Consolidated Financial Statements include the accounts of the Company and its wholly-owned subsidiaries which include the accounts of four commercial banks: QCBT, CRBT, CSB and SFCB. All are state-chartered commercial banks and all are members of the Federal Reserve system. The Company engages in direct financing lease contracts through m2, a wholly-owned subsidiary of QCBT. All material intercompany transactions and balances have been eliminated in consolidation. Recent accounting developments Financial Instruments – Credit Losses (Topic 326) On March 27, 2020, the CARES Act, a stimulus package designed in response to the economic disruption created by COVID-19, was signed into law. The CARES Act includes provisions that, if elected, temporarily delay the required implementation date of ASU 2016-13. Section 4014 of the CARES Act stipulates that no insured depository institution, bank holding company, or affiliate would be required to comply with ASU 2016-13, beginning on the date of CARES Act’s enactment and continuing until the earlier of: (1) the date on which the national emergency related to the COVID-19 outbreak is terminated or (2) December 31, 2020. On December 27, 2020, former President Trump signed the Consolidated Appropriations Act, which extended this relief to the earlier of the first day of the Company’s fiscal year after the date the national emergency terminates or January 1, 2022. Based upon guidance from regulators, it was determined the Company could adopt ASU 2016-13 on January 1, 2021, and the Company did adopt on January 1, 2021. The Company has developed a CECL allowance model which calculates allowances over the life of a loan and is largely driven by portfolio characteristics, risk-grading, economic outlook, and other key methodology assumptions. Those assumptions are based upon the existing probability of default and loss given the default framework. The Company utilizes economic and other forecasts over a reasonable and supportable forecast period and then fully reverts back to average historical losses. Results for reporting periods beginning after December 31, 2020 are presented under ASU 2016-13 while prior period amounts continue to be reported in accordance with previously applicable GAAP, which includes a change in terminology from “Allowance for estimated losses on loans/leases” to “Allowance for credit losses.” The Company adopted the standard using a modified retrospective approach and recorded an after tax decrease to retained earnings of $937 thousand as of January 1, 2021 due to the adoption of ASU 2016-13. This transition adjustment included an $8.1 million decrease in the allowance related to loans and leases, established an ACL on held to maturity debt securities of $183 thousand and established an ACL on OBS credit exposures of $9.1 million. The company did not record an ACL on available for sale securities upon adoption of ASU 2016-13. The Company elected to not measure an ACL on accrued interest as such accrued interest is written off in a timely manner when deemed uncollectible. Any such write-off of accrued interest will reverse previously recognized interest income. The Company elected not to include accrued interest within the presentation and disclosures of the carrying amount of financial assets held at amortized cost. This election is applicable to the various disclosures included within the financial statements and notes included on the following pages of this Form 10-Q. The Company elected not to utilize the regulatory transition relief issued by federal regulatory authorities in the first quarter of 2020, which allowed banking institutions to delay the impact of CECL on regulatory capital, because the impact on the capital ratios of the Company and its subsidiary banks was not significant. The following table illustrates the impact of ASU 2016-13 as of January 1, 2021: As Reported Pre- Impact of Under ASU 2016-13 ASU 2016-13 ASU 2016-13 Adoption Adoption Assets: Allowance for credit losses HTM securities $ 183 $ — $ 183 Loans: C&I — 35,421 (35,421) C&I - revolving 2,982 — 2,982 C&I - other 29,130 — 29,130 CRE — 42,161 (42,161) CRE - owner occupied 8,696 — 8,696 CRE - non owner occupied 11,428 — 11,428 Construction & Land Development 11,999 — 11,999 Multi-family 5,836 — 5,836 Direct financing leases — 1,764 (1,764) 1-4 family real estate 5,042 — 5,042 Residential real estate — 3,732 (3,732) Consumer 1,161 1,298 (137) Allowance for credit losses on loans 76,274 84,376 (8,102) Liabilities: Allowance for credit losses on OBS credit exposures 9,117 — 9,117 Loan segmentation under ASU 2016-13 follows different methodology where that segmentation is collateral driven, causing certain segments to contain commercial and non-commercial borrowers, whereas pre-ASU 2016-13 segments were borrower driven. Further discussion contained in this quarterly report regarding the loan and lease portfolio as well as ACL on HTM securities and OBS exposures is only relevant for the year 2021 and forward. Discission in Note 1 of the Company's Annual Report on Form 10-K for the year ended December 31, 2020 is still applicable for years prior to 2021. Loans receivable, held for sale Loans receivable, held for investment The ACL is measured on a collective (pool) basis when similar risk characteristics exist. The Company discloses the ACL (also known as the allowance) by portfolio segment, and credit quality information, nonaccrual status, and past due status by class of financing receivable. A portfolio segment is the level at which the Company develops and documents a systematic methodology to determine its ACL. A class of financing receivable is a further disaggregation of a portfolio segment based on risk characteristics and the Company’s method for monitoring and assessing credit risk. See the following information and Note 3. The Company’s portfolio segments and class of loans receivable are as follows: ● C&I – revolving ● C&I – other ● CRE – owner occupied ● CRE – non-owner occupied ● Construction and land development ● Multi-family ● 1-4 family real estate ● Consumer The Company’s classes of loans receivable are as follows: ● C&I – revolving ● C&I – other ● CRE – owner occupied ● CRE – non-owner occupied ● Construction and land development ● Multi-family ● Direct financing leases ● 1-4 family real estate ● Consumer Direct financing leases are considered a class of financing receivable within the overall loan/lease portfolio and are included in the C&I other loan segments for ACL. The accounting policies for direct financing leases are disclosed below. Generally, for all classes of loans receivable, loans are considered past due when contractual payments are delinquent for 31 days or greater. For all classes of loans receivable, loans will generally be placed on nonaccrual status when the loan has become 90 days past due (unless the loan is well secured and in the process of collection); or if any of the following conditions exist: ● It becomes evident that the borrower will not make payments, or will not or cannot meet the terms for renewal of a matured loan; ● When full repayment of principal and interest is not expected; ● When the loan is graded “doubtful”; ● When the borrower files bankruptcy and an approved plan of reorganization or liquidation is not anticipated in the near future; or ● When foreclosure action is initiated. When a loan is placed on nonaccrual status, income recognition is ceased. Previously recorded but uncollected amounts of interest on nonaccrual loans are reversed at the time the loan is placed on nonaccrual status. Generally, cash collected on nonaccrual loans is applied to principal. Should full collection of principal be expected, cash collected on nonaccrual loans can be recognized as interest income. For all classes of loans receivable, nonaccrual loans may be restored to accrual status provided the following criteria are met: ● The loan is current, and all principal and interest amounts contractually due have been made; ● All principal and interest amounts contractually due, including past due payments, are reasonably assured of repayment within a reasonable period; and ● There is a period of minimum repayment performance, as follows, by the borrower in accordance with contractual terms: o Six months of repayment performance for contractual monthly payments, or o One year of repayment performance for contractual quarterly or semi-annual payments. Direct finance leases receivable, held for investment recorded as lease receivables when the lease is signed and the lease property delivered to the customer. The excess of the minimum lease payments and residual values over the cost of the equipment is recorded as unearned lease income. Unearned lease income is recognized over the term of the lease on a basis that results in an approximate level rate of return on the unrecovered lease investment. Lease income is recognized on the interest method. Residual value is the estimated fair market value of the equipment on lease at the lease termination. In estimating the equipment’s fair value at lease termination, the Company relies on historical experience by equipment type and manufacturer and, where available, valuations by independent appraisers, adjusted for known trends. The Company’s estimates are reviewed continuously to ensure reasonableness; however, the amounts the Company will ultimately realize could differ from the estimated amounts. If the review results in a lower estimate than had been previously established, a determination is made as to whether the decline in estimated residual value is other-than temporary. If the decline in estimated unguaranteed residual value is judged to be other-than-temporary, the accounting for the transaction is revised using the changed estimate. The resulting reduction in the investment is recognized as a loss in the period in which the estimate is changed. An upward adjustment of the estimated residual value is not recorded. The policies for delinquency and nonaccrual for direct financing leases are materially consistent with those described above for all classes of loan receivables. TDRs The following criteria, related to granting a concession, together or separately, create a TDR: ● A modification of terms of a debt such as one or a combination of: o The reduction of the stated interest rate to a rate lower than the current market rate for new debt with similar risk. o The extension of the maturity date or dates at a stated interest rate lower than the current market rate for new debt with similar risk. o The reduction of the face amount or maturity amount of the debt as stated in the instrument or other agreement. o The reduction of accrued interest. ● A transfer from the borrower/lessee to the Company of receivables from third parties, real estate, other assets, or an equity position in the borrower to fully or partially satisfy a loan. ● The issuance or other granting of an equity position to the Company to fully or partially satisfy a debt unless the equity position is granted pursuant to existing terms for converting the debt into an equity position. Allowance Allowance for Credit Losses on Loans and Leases The ACL on loans is measured on a collective (pool) basis when similar risk characteristics exist. The Company has identified the eight portfolio segments at which the allowance will be measured. For all portfolio segments, the allowance is established as losses are estimated to have occurred through a provision that is charged to earnings. Credit losses on loans and leases, for all portfolio segments, are charged against the allowance when management believes the uncollectibility of a loan/lease balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The Company’s methodologies for estimating the allowance for credit losses consider available relevant information about the collectability of cash flows, including information about past events, current conditions, and reasonable and supportable forecasts. The methodologies apply historical loss information adjusted for asset-specific characteristics, economic conditions at the measurement date, and forecasts about future economic conditions that are expected to exist through the contractual lives of the financial assets and that are reasonable and supportable -- to the identified pools of financial assets with similar risk characteristics for which the historical loss experience was observed. The Company will immediately and fully revert back to average historical losses when it can no longer develop reasonable and supportable forecasts. A discussion of the risk characteristics and the allowance by each loan portfolio segment follows: For C&I loans, both revolving lines of credit and other C&I, the Company focuses on small and mid-sized businesses with primary operations as wholesalers, manufacturers, building contractors, business services companies, other banks, and retailers. The Company provides a wide range of C&I loans, including lines of credit for working capital and operational purposes, and term loans for the acquisition of facilities, equipment and other purposes. Approval is generally based on the following factors: ● Ability and stability of current management of the borrower; ● Stable earnings with positive financial trends; ● Sufficient cash flow to support debt repayment; ● Earnings projections based on reasonable assumptions; ● Financial strength of the industry and business; and ● Value and marketability of collateral. Collateral for C&I loans generally includes accounts receivable, inventory, equipment and real estate. The Company’s lending policy specifies approved collateral types and corresponding maximum advance percentages. The value of collateral pledged on loans must exceed the loan amount by a margin sufficient to absorb potential erosion of its value in the event of foreclosure and cover the loan amount plus costs incurred to convert it to cash. The Company’s lending policy specifies maximum term limits for C&I loans. For term loans, the maximum term is generally 7 years with average terms ranging from 3 In addition, the Company often takes personal guarantees or cosigners to help assure repayment. Loans may be made on an unsecured basis if warranted by the overall financial condition of the borrower. CRE is segmented into the following categories generally based on source of repayment: Owner occupied CRE, non-owner occupied CRE and multi-family. CRE loans are also embedded in the following segments: construction and land development and 1-4 family real estate. CRE loans are subject to underwriting standards and processes similar to C&I loans, in addition to those standards and processes specific to real estate loans. Collateral for CRE loans generally includes the underlying real estate and improvements, and may include additional assets of the borrower. The Company’s lending policy specifies maximum loan-to-value limits based on the category of CRE (CRE loans on improved property, raw land, land development, and commercial construction). These limits are the same limits established by regulatory authorities. Multi-family loans provide a source of repayment from rental income. The Company’s lending policy also includes guidelines for real estate appraisals, including minimum appraisal standards based on certain transactions. In addition, the Company often takes personal guarantees to help assure repayment. Construction loans include any loans to finance the construction of any new residential property, CRE property or major rehabilitation or expansion of existing commercial structures. Construction lending carries a high degree of risk because of the difficulty of protecting the bank against a myriad of pitfalls. The following factors are evaluated when underwriting these types of loans: ● Borrowers/contractors experience and ability is analyzed with the type and size of project being considered. ● Financial ability to cover cost overruns. ● Reliability and thoroughness of cost projections and reasonable assurance that significant provisions are made for contingencies for soft costs especially interest and operating deficits. ● Reliability of the estimate of time to complete the project. The land development portfolio also includes other land loans such as raw land. The raw land component involves considerable risk to the bank and is reserved for the Bank’s most credit worthy borrowers. Land development loans are typically only made to experienced local developers with successful track records. For all loans the allowance consists of pooled and individually analyzed components. Pooled loan allowances consist of quantitative and qualitative factors and cover loan classes that share similar risk characteristics with other assets in the segmented pool. Quantitative Factors: The quantitative factors are based on the probability of default and loss given default derived from historical net charge-off experience, repayment activity and default, remaining life, and current economic conditions as well as economic outlook. Qualitative Factors: The Company’s allowance methodology also has a qualitative component, the purpose of which is to provide management with a means to take into consideration changes in current conditions that could potentially have an effect, up or down, on the level of recognized loan losses, that, for whatever reason, fail to show up in the quantitative analysis performed in determining its base loan loss rates. The Company utilizes the following qualitative factors: ● National and local economy ● Loan volume and trend ● Loan quality ● Loan policies and procedures ● Management and staff experience ● Concentrations ● Collateral ● Loan review system ● Regulatory environment and oversight The qualitative adjustments are based on the current condition and applied as a percentage adjustment in addition to the calculated historical loss rates. The adjustment amount can be either positive or negative depending whether or not the current condition is better or worse than the historical average. These adjustments reflect the extent to which the Company expects current conditions to differ from the conditions that existed for the period over which historical information was evaluated. Economic Forecasting: The Company uses reasonable and supportable forecasts over the contractual term of the financial assets for each entity. This measurement is based upon relevant past events, historical experience and current conditions to determine the forecasted data which requires significant judgement. When management no longer has sufficient information to make a reasonable and supportable forecast, the data will then immediately revert back to the average historical performance for each entity. It is expected that actual economic conditions will, in many circumstances, turn out differently than forecasted because the ultimate outcomes during the forecast period may be affected by events that were unforeseen, such as economic disruption and fiscal or monetary policy actions, which are exacerbated by longer forecasting periods. This uncertainty would be relevant to the entity’s confidence level as to the outcomes being forecasted. That is, an entity is likely less confident in the ultimate outcome of events that will occur at the end of the forecast period as compared to the beginning. As a result, actual future economic conditions may not be an effective indicator of the quality of the Company’s forecasting process, including the length of the forecast period. Loans are determined to no longer share similar risk characteristics with other assets in the segmented pool when their scheduled payments of principal and interest according to the contractual terms of the loan agreement, have a greater probability of uncollectibility based on current information and events. Such events include past due status of 90 days or more, non-accrual status or classification of a substandard or doubtful risk rating. Factors considered by management in determining risk rating and non-accrual status include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not considered low quality. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Allowances for these low quality loans are measured on a case-by-case basis by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. Some loans that are determined to no longer share risk characteristics with other assets in the segmented pool, may be deemed collateral dependent. A financial asset is collateral-dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. When it is determined that foreclosure is probable, the collateral’s fair value is used to estimate the financial assets expected credit losses for the current reporting period. This fair value is then reduced by the present value of estimated costs to sell. If it is determined that the asset is collateral-dependent but foreclosure is not probable, an institution can elect to apply the practical expedient to use the collateral’s fair value to estimate the asset’s expected credit loss. The Company is choosing to utilize the practical expedient. When using the practical expedient on a collateral dependent loan where repayment is reliant upon the sale of the collateral, the fair value of that collateral will be adjusted for estimated costs to sell. However if the repayment is dependent on the operations of the company the fair market value less estimated cost to sell cannot be used. Thus the net present value of the cash-flow will be utilized. For non-homogenous loans, the Company utilizes the following internal risk rating scale: 1. Highest Quality (Pass) – loans of the highest quality with no credit risk, including those fully secured by subsidiary bank certificates of deposit and U.S. government securities. 2. Superior Quality (Pass) – loans with very strong credit quality. Borrowers have exceptionally strong earnings, liquidity, capital, cash flow coverage, and management ability. Includes loans secured by high quality marketable securities, certificates of deposit from other institutions, and cash value of life insurance. Also includes loans supported by U.S. government, state, or municipal guarantees. 3. Satisfactory Quality (Pass) – loans with satisfactory credit quality. Established borrowers with satisfactory financial condition, including credit quality, earnings, liquidity, capital and cash flow coverage. Management is capable and experienced. Collateral coverage and guarantor support, if applicable, are more than adequate. Includes loans secured by personal assets and business assets, including equipment, accounts receivable, inventory, and real estate. 4. Fair Quality (Pass) – loans with moderate but still acceptable credit quality. The primary repayment source remains adequate; however, management’s ability to maintain consistent profitability is unproven or uncertain. Borrowers exhibit acceptable leverage and liquidity. May include new businesses with inexperienced management or unproven performance records in relation to peers, or borrowers operating in highly cyclical or declining industries. 5. Early Warning (Pass) – loans where the borrowers have generally performed as agreed, however unfavorable financial trends exist or are anticipated. Earnings may be erratic, with marginal cash flow or declining sales. Borrowers reflect leveraged financial condition and/or marginal liquidity. Management may be new and a track record of performance has yet to be developed. Financial information may be incomplete, and reliance on secondary repayment sources may be increasing. 6. Special Mention – loans where the borrowers exhibit credit weaknesses or unfavorable financial trends requiring close monitoring. Weaknesses and adverse trends are more pronounced than Early Warning loans, and if left uncorrected, may jeopardize repayment according to the contractual terms. Currently, no loss of principal or interest is expected. Borrowers in this category have deteriorated to the point that it would be difficult to refinance with another lender. Special Mention should be assigned to borrowers in turnaround situations. This rating is intended as a transitional rating, therefore, it is generally not assigned to a borrower for a period of more than one year . 7. Substandard – loans which are inadequately protected by the current worth and paying capacity of the obligor or of the collateral pledged, if applicable. These loans have a well-defined weakness or weaknesses which jeopardize repayment according to the contractual terms. There is distinct loss potential if the weaknesses are not corrected. Includes loans with insufficient cash flow coverage which are collateral dependent, other real estate owned, and repossessed assets. 8. Doubtful – loans which have all the weaknesses inherent in a Substandard loan, with the added characteristic that existing weaknesses make full principal collection, on the basis of current facts, conditions and values, highly doubtful. The possibility of loss is extremely high, but because of pending factors, recognition of a loss is deferred until a more exact status can be determined. All doubtful loans will be placed on non-accrual, with all payments, including principal and interest, applied to principal reduction. For term C&I and CRE loans greater than $1,000,000, a loan review is required within 15 months of the most recent credit review. The review is completed in enough detail to, at a minimum, validate the risk rating. Additionally, the review shall include an analysis of debt service requirements, covenant compliance, if applicable, and collateral adequacy. The frequency of the review is generally accelerated for loans with poor risk ratings. The Company’s Loan Quality area performs a documentation review of a sampling of C&I and CRE loans, the primary purpose of which is to ensure the credit is properly documented and closed in accordance with approval authorities and conditions. A review is also performed by the Company’s Internal Audit Department of a sampling of C&I and CRE loans for proper documentation, according to an approved schedule. Validation of the risk rating is also part of Internal Audit’s review (performed by Internal Loan Review). Additionally, over the past several years, the Company has contracted an independent outside third party to review a sampling of C&I and CRE loans. Validation of the risk rating is part of this review as well. The Company leases machinery and equipment to C&I customers under direct financing leases. All lease requests are subject to the credit requirements and criteria as set forth in the lending/leasing policy. In all cases, a formal independent credit analysis of the lessee is performed. Direct financing leases are included in the C&I – Other segment and allowance is established in the same manner as C&I loans. Generally, the Company’s residential real estate loans conform to the underwriting requirements of Freddie Mac and Fannie Mae to allow the subsidiary banks to resell loans in the secondary market. The subsidiary banks structure most loans that will not conform to those underwriting requirements as adjustable rate mortgages that mature or adjust in one The Company provides many types of installment and other consumer loans including motor vehicle, home improvement, home equity, signature loans and small personal credit lines. The Company’s lending policy addresses specific credit guidelines by consumer loan type. For residential real estate loans, and installment and other consumer loans, these large groups of smaller balance homogenous loans follow the same methodology as commercial loans in terms of evaluation of risk characteristics, other than these may not be risk rated due to homogenous nature. TDRs follow the same allowance methodology as described above for all loans. Once a loan is classified as a TDR, it will remain a TDR until the loan is paid off, charged off, moved to OREO or restructured into a new note without a concession. TDR status may also be removed if the TDR was restructured in a prior calendar year, is current, accruing interest and shows sustained performance. Allowance for Credit Losses on Off-Balance Sheet Exposures The Company estimates expected credit losses over the contractual te

NOTE 2 - INVESTMENT SECURITIES

NOTE 2 - INVESTMENT SECURITIES	6 Months Ended
NOTE 2 - INVESTMENT SECURITIES	Jun. 30, 2021
Notes to Financial Statements
INVESTMENT SECURITIES	NOTE 2– INVESTMENT SECURITIES The amortized cost and fair value of investment securities as of June 30, 2021 and December 31, 2020 are summarized as follows: Gross Gross Amortized Unrealized Unrealized Fair Cost* Gains (Losses) Value (dollars in thousands) June 30, 2021: Securities HTM: Municipal securities $ 472,283 $ 50,129 $ (20) $ 522,392 Other securities 1,050 — — 1,050 $ 473,333 $ 50,129 $ (20) $ 523,442 Securities AFS: U.S. govt. sponsored agency securities $ 14,310 $ 504 $ (144) $ 14,670 Residential mortgage-backed and related securities 102,625 4,094 (581) 106,138 Municipal securities 163,607 5,861 (148) 169,320 Asset-backed securities 30,707 1,072 — 31,779 Other securities 15,139 250 (10) 15,379 $ 326,388 $ 11,781 $ (883) $ 337,286 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains (Losses) Value (dollars in thousands) December 31, 2020: Securities HTM: Municipal securities $ 475,115 $ 45,360 $ (248) $ 520,227 Other securities 1,050 — — 1,050 $ 476,165 $ 45,360 $ (248) $ 521,277 Securities AFS: U.S. govt. sponsored agency securities $ 14,936 $ 447 $ (47) $ 15,336 Residential mortgage-backed and related securities 127,670 5,510 (338) 132,842 Municipal securities 147,241 5,215 (48) 152,408 Asset-backed securities 39,663 1,111 (91) 40,683 Other securities 20,550 147 — 20,697 $ 350,060 $ 12,430 $ (524) $ 361,966 * HTM securities shown on the balance sheet of $473.2 million represents amortized cost of $473.3 million, net of allowance for credit losses of $174 thousand as of June 30, 2021. The Company's HTM municipal securities consist largely of private issues of municipal debt. The large majority of the municipalities are located within the Midwest. The municipal debt investments are underwritten using specific guidelines with ongoing monitoring. The Company's residential mortgage-backed and related securities portfolio consists entirely of government sponsored or government guaranteed securities. The Company has not invested in private mortgage-backed securities or pooled trust preferred securities. Gross unrealized losses and fair value, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position as of June 30, 2021 and December 31, 2020, are summarized as follows: Less than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (dollars in thousands) June 30, 2021: Securities HTM: Municipal securities $ 14,440 $ (20) $ — $ — $ 14,440 $ (20) Securities AFS: U.S. govt. sponsored agency securities $ 3,067 $ (144) $ — $ — $ 3,067 $ (144) Residential mortgage-backed and related securities 26,967 (580) 153 (1) 27,120 (581) Municipal securities 13,608 (148) — — 13,608 (148) Other securities 4,207 (10) — — 4,207 (10) $ 47,849 $ (882) $ 153 $ (1) $ 48,002 $ (883) Less than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (dollars in thousands) December 31, 2020: Securities HTM: Municipal securities $ 8,407 $ (248) $ — $ — $ 8,407 $ (248) Securities AFS: U.S. govt. sponsored agency securities $ 3,199 $ (47) $ — $ — $ 3,199 $ (47) Residential mortgage-backed and related securities 37,549 (338) — — 37,549 (338) Municipal securities 10,110 (48) — — 10,110 (48) Asset-backed securities 6,884 (52) 9,945 (39) 16,829 (91) $ 57,742 $ (485) $ 9,945 $ (39) $ 67,687 $ (524) At June 30, 2021, the investment portfolio included 630 securities. Of this number, 44 securities were in an unrealized loss position. The aggregate losses of these securities totaled approximately 0.11% of the total amortized cost of the portfolio. Of these 44 securities, there were four securities that had an unrealized loss for twelve months or more. Asset-backed securities are comprised of collateralized loan obligations, which are debt securities backed by pools of senior secured commercial loans to a diverse group of companies across a broad spectrum of industries. At June 30, 2021, the Company only owned collateralized loan obligations that were AAA rated. All of the debt securities in unrealized loss positions are considered acceptable credit risks. Based upon an evaluation of the available evidence, including the recent changes in market rates, credit rating information and information obtained from regulatory filings, management believes the declines in fair value for these debt securities are temporary. In addition, the Company lacks the intent to sell these securities and it is not more-likely-than-not that the Company will be required to sell these debt securities before their anticipated recovery. On January 1, 2021, the Company adopted ASU 2016-13, which replaced the legacy GAAP OTTI model with a credit loss model. ASU 2016-13 requires an allowance on lifetime expected credit losses on held to maturity debt securities. The following table presents the activity in the allowance for credit losses for held to maturity securities by major security type for the six months ended June 30, 2021. Three Months Ended June 30, 2021 Six Months Ended June 30, 2021 Municipal Other Municipal Other securities securities Total securities securities Total Allowance for credit losses: Beginning balance $ 173 $ 1 $ 174 $ — $ — $ — Impact of adopting ASU 2016-13 — — — 182 1 183 Provision for credit loss expense — — — (9) — (9) Balance, ending $ 173 $ 1 $ 174 $ 173 $ 1 $ 174 The credit loss model under ASU 2016-13, applicable to AFS debt securities, requires the recognition of credit losses through an allowance account, but retains the concept from the OTTI model that credit losses are recognized once securities become impaired. See Note 1, “Summary of Significant Accounting Policies” to the consolidated financial statement included in this Form 10-Q, for a discussion of the impact of the adoption of ASU 2016-13. All sales of securities for the three and six months ended June 30, 2021 and June 30, 2020 were securities identified as AFS. Three Months Ended Six Months Ended June 30, 2021 June 30, 2020 June 30, 2021 June 30, 2020 (dollars in thousands) Proceeds from sales of securities $ 4,334 $ 6,327 $ 23,874 $ 6,327 Gross gains from sales of securities — 134 — 134 Gross losses from sales of securities (88) (69) (88) (69) The amortized cost and fair value of securities as of June 30, 2021 by contractual maturity are shown below. Expected maturities of residential mortgage-backed and related securities and asset-backed securities may differ from contractual maturities because the residential mortgages underlying the securities may be prepaid without any penalties. Therefore, these securities are not included in the maturity categories in the following table. Amortized Cost Fair Value (dollars in thousands) Securities HTM: Due in one year or less $ 2,882 $ 2,910 Due after one year through five years 29,592 30,281 Due after five years 440,859 490,251 $ 473,333 $ 523,442 Securities AFS: Due in one year or less $ 1,471 $ 1,492 Due after one year through five years 11,927 12,175 Due after five years 179,658 185,702 193,056 199,369 Residential mortgage-backed and related securities 102,625 106,139 Asset-backed securities 30,707 31,778 $ 326,388 $ 337,286 Portions of the U.S. government sponsored agency securities, municipal securities and other securities contain call options, which, at the discretion of the issuer, terminate the security at par and at predetermined dates prior to the stated maturity. These callable securities are summarized as follows: Amortized Cost Fair Value (dollars in thousands) Securities HTM: Municipal securities $ 272,039 $ 283,607 Securities AFS: Municipal securities 158,149 163,595 Other securities 15,139 15,379 $ 173,288 $ 178,974 As of June 30, 2021, the Company's municipal securities portfolios were comprised of general obligation bonds issued by 117 issuers with fair values totaling $116.6 million and revenue bonds issued by 175 issuers, primarily consisting of states, counties, towns, villages and school districts with fair values totaling $575.1 million. The Company also held investments in general obligation bonds in 21 states, including eight states in which the aggregate fair value exceeded $5.0 million, and in revenue bonds in 25 states, including 13 states in which the aggregate fair value exceeded $5.0 million. As of December 31, 2020, the Company's municipal securities portfolios were comprised of general obligation bonds issued by 117 issuers with fair values totaling $116.7 million and revenue bonds issued by 191 issuers, primarily consisting of states, counties, towns, villages and school districts with fair values totaling $555.9 million. The Company also held investments in general obligation bonds in 21 states, including eight Both general obligation and revenue bonds are diversified across many issuers. As of June 30, 2021 and as of December 31, 2020, the Company held revenue bonds of two issuers, located in Ohio, of which the aggregate book or market value exceeded 5% of the Company’s stockholders’ equity. The issuer’s financial condition is strong and the source of repayment is diversified. The Company monitors the investments and concentration closely. Of the general obligation and revenue bonds in the Company's portfolio, the majority are unrated bonds that represent small, private issuances. All unrated bonds were underwritten according to loan underwriting standards and have an average loan risk rating of 2, indicating very high quality. Additionally, many of these bonds are funding essential municipal services such as water, sewer, education, and medical facilities. The Company's municipal securities are owned by the four charters, whose investment policies set forth limits for various subcategories within the municipal securities portfolio. The investments of each charter are monitored individually, and as of June 30, 2021, all were within policy limitations approved by the board of directors. Policy limits are calculated as a percentage of each charter's total risk-based capital. As of June 30, 2021, the Company's standard monitoring of its municipal securities portfolio had not uncovered any facts or circumstances resulting in significantly different credit ratings than those assigned by a nationally recognized statistical rating organization, or in the case of unrated bonds, the rating assigned using the credit underwriting standards.

NOTE 3 - LOANS_LEASES RECEIVABL

NOTE 3 - LOANS/LEASES RECEIVABLE	6 Months Ended
NOTE 3 - LOANS/LEASES RECEIVABLE	Jun. 30, 2021
Notes to Financial Statements
LOANS/LEASES RECEIVABLE	NOTE 3 – LOANS/LEASES RECEIVABLE The composition of the loan/lease portfolio by classes of loans/leases as of June 30, 2021 and December 31, 2020 is presented as follows: June 30, 2021 (dollars in thousands) C&I: C&I - revolving $ 182,882 C&I - other * 1,505,384 1,688,266 CRE - owner occupied 427,734 CRE - non-owner occupied 618,879 Construction and land development 708,289 Multi-family 466,804 Direct financing leases 56,153 1-4 family real estate* 382,142 Consumer 69,438 4,417,705 Allowance for credit losses (78,894) $ 4,338,811 ** Direct financing leases: Net minimum lease payments to be received $ 61,781 Estimated unguaranteed residual values of leased assets 165 Unearned lease/residual income (5,793) 56,153 Plus deferred lease origination costs, net of fees 783 56,936 Less allowance for credit losses (1,976) $ 54,960 December 31, 2020 C&I loans* $ 1,726,723 CRE loans Owner-occupied CRE 496,471 Commercial construction, land development, and other land 541,455 Other non owner-occupied CRE 1,069,703 2,107,629 Direct financing leases 66,016 Residential real estate loans * 252,121 Installment and other consumer loans 91,302 4,243,791 Plus deferred loan/lease origination costs, net of fees 7,338 4,251,129 Less allowance (84,376) $ 4,166,753 ** Direct financing leases: Net minimum lease payments to be received $ 72,940 Estimated unguaranteed residual values of leased assets 239 Unearned lease/residual income (7,163) 66,016 Plus deferred lease origination costs, net of fees 1,072 67,088 Less allowance (1,764) $ 65,324 * Includes equipment financing agreements outstanding at m2, totaling $202.4 million and $171.5 million as of June 30, 2021 and December 31, 2020, respectively and PPP loans totaling $147.5 million and $273.1 million as of June 30, 2021 and December 31, 2020, respectively. Management performs an evaluation of the estimated unguaranteed residual values of leased assets on an annual basis, at a minimum. The evaluation consists of discussions with reputable and current vendors, which is combined with management's expertise and understanding of the current states of particular industries to determine informal valuations of the equipment. As necessary and where available, management will utilize valuations by independent appraisers. The majority of leases with residual values contain a lease options rider, which requires the lessee to pay the residual value directly, finance the payment of the residual value, or extend the lease term to pay the residual value. In these cases, the residual value is protected and the risk of loss is minimal. * Includes residential real estate loans held for sale totaling $4.5 million and $3.8 million as of June 30, 2021 and December 31, 2020, respectively. Changes in accretable yield for acquired loans were as follows: Three months ended June 30, 2021 Six months ended June 30, 2021 PCI Performing PCI Performing Loans Loans Total Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ — $ (2,530) $ (2,530) $ — $ (3,139) $ (3,139) Accretion recognized — 341 341 — 950 950 Balance at the end of the period $ — $ (2,189) $ (2,189) $ — $ (2,189) $ (2,189) Three months ended June 30, 2020 Six months ended June 30, 2020 PCI Performing PCI Performing Loans Loans Total Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (59) $ (5,725) $ (5,784) $ (57) $ (6,378) $ (6,435) Reclassification of nonaccretable discount to accretable — — — (30) — (30) Accretion recognized 1 790 791 29 1,443 1,472 Balance at the end of the period $ (58) $ (4,935) $ (4,993) $ (58) $ (4,935) $ (4,993) The aging of the loan/lease portfolio by classes of loans/leases as of June 30, 2021 and December 31, 2020 is presented as follows: As of June 30, 2021 Accruing Past 30-59 Days 60-89 Days Due 90 Days or Nonaccrual Classes of Loans/Leases Current Past Due Past Due More Loans/Leases Total (dollars in thousands) C&I: C&I - revolving $ 182,882 $ — $ — $ — $ — $ 182,882 C&I - other 1,498,911 1,252 205 57 4,959 1,505,384 CRE - owner occupied 426,603 865 266 — — 427,734 CRE - non-owner occupied 618,483 — 396 — — 618,879 Construction and land development 708,214 — — — 75 708,289 Multi-family 466,804 — — — — 466,804 Direct financing leases 55,779 76 137 — 161 56,153 1-4 family real estate 378,314 228 631 — 2,969 382,142 Consumer 69,320 52 — — 66 69,438 $ 4,405,310 $ 2,473 $ 1,635 $ 57 $ 8,230 $ 4,417,705 As a percentage of total loan/lease portfolio 99.72 % 0.05 % 0.04 % 0.00 % 0.19 % 100.00 % As of December 31, 2020 Accruing Past 30-59 Days 60-89 Days Due 90 Days or Nonaccrual Classes of Loans/Leases Current Past Due Past Due More Loans/Leases Total (dollars in thousands) C&I $ 1,720,058 $ 1,535 $ 323 $ — $ 4,807 $ 1,726,723 CRE Owner-occupied CRE 496,459 — — — 12 496,471 Commercial construction, land development, and other land 541,455 — — — — 541,455 Other non-owner occupied CRE 1,062,215 — — — 7,488 1,069,703 Direct financing leases 64,918 501 191 — 406 66,016 Residential real estate 249,364 1,512 223 — 1,022 252,121 Installment and other consumer 91,047 43 4 3 205 91,302 $ 4,225,516 $ 3,591 $ 741 $ 3 $ 13,940 $ 4,243,791 As a percentage of total loan/lease portfolio 99.57 % 0.08 % 0.02 % 0.00 % 0.33 % 100.00 % NPLs by classes of loans/leases as of June 30, 2021 and December 31, 2020 are presented as follows: As of June 30, 2021 Accruing Past Nonaccrual Nonaccrual Due 90 Days or Loans/Leases Loans/Leases Percentage of Classes of Loans/Leases More with an ACL without an ACL Total NPLs Total NPLs (dollars in thousands) C&I: C&I - revolving $ — $ — $ — $ — - % C&I - other 57 4,736 223 5,016 60.52 CRE - owner occupied — — — — - CRE - non-owner occupied — — — — - Construction and land development — 75 — 75 0.91 Multi-family — — — — - Direct financing leases — 110 51 161 1.94 1-4 family real estate — 2,969 — 2,969 35.83 Consumer — 66 — 66 0.80 $ 57 $ 7,956 $ 274 $ 8,287 100.00 % The Company did not recognize any interest income on nonaccrual loans during the three and six months ended June 30, 2021. As of December 31, 2020 Accruing Past Due 90 Days or Nonaccrual Percentage of Classes of Loans/Leases More Loans/Leases * Accruing TDRs Total NPLs Total NPLs (dollars in thousands) C&I $ — $ 4,807 $ 606 $ 5,413 36.87 % CRE Owner-occupied CRE — 12 — 12 0.08 % Commercial construction, land development, and other land — — — — - % Other non-owner occupied CRE — 7,488 — 7,488 50.99 % Direct financing leases — 406 135 541 3.68 % Residential real estate — 1,022 — 1,022 6.96 % Installment and other consumer 3 205 — 208 1.42 % $ 3 $ 13,940 $ 741 $ 14,684 100.00 % * Nonaccrual loans/leases included $984 thousand of TDRs, including $836 thousand in CRE loans, $100 thousand in direct financing leases, $48 thousand in installment loans. Changes in the ACL-loans/leases by portfolio segment for the three and six months ended June 30, 2021 and 2020, respectively, are presented as follows: Three Months Ended June 30, 2021 CRE CRE Construction Direct Residential 1-4 C&I - C&I - Owner Non-Owner and Land Multi- Financing Real Family C&I Revolving Other* CRE Occupied Occupied Development Family Leases Estate Real Estate Consumer Total (dollars in thousands) Balance, beginning $ — $ 3,547 $ 33,167 $ — $ 9,147 $ 11,155 $ 12,327 $ 6,278 $ — $ — $ 5,165 $ 1,045 $ 81,831 Provision — (370) (2) — (1,121) (376) 1,313 849 — — (105) (329) (141) Charge-offs — — (998) — — (1,876) — (150) — — (646) (4) (3,674) Recoveries — — 158 — (6) 8 — — — — 511 207 878 Balance, ending $ — $ 3,177 $ 32,325 $ — $ 8,020 $ 8,911 $ 13,640 $ 6,977 $ — $ — $ 4,925 $ 919 $ 78,894 Six Months Ended June 30, 2021 CRE - CRE - Construction Direct Residential C&I - C&I - Owner Non-Owner and Land Multi Financing Real 1-4 C&I Revolving Other** CRE Occupied Occupied Development Family Leases Estate Family Consumer Total (dollars in thousands) Balance, beginning $ 35,421 $ — $ — $ 42,161 $ — $ — $ — $ — $ 1,764 $ 3,732 $ — $ 1,298 $ 84,376 Adoption of ASU 2016-13 (35,421) 2,982 29,130 (42,161) 8,696 11,428 11,999 5,836 (1,764) (3,732) 5,042 (137) (8,102) Provision — 195 4,547 — (670) (662) 1,641 1,291 — — 56 (546) 5,852 Charge-offs — — (1,666) — — (1,876) — (150) — — (690) (5) (4,387) Recoveries — — 314 — (6) 21 — — — — 517 309 1,155 Balance, ending $ — $ 3,177 $ 32,325 $ — $ 8,020 $ 8,911 $ 13,640 $ 6,977 $ — $ — $ 4,925 $ 919 $ 78,894 * Included within the C&I – Other column are ACL on leases with a beginning balance of $2.2 million, negative provision of $144 thousand, charge-offs of $130 thousand and recoveries of $58 thousand. ACL on leases was $2.0 million as of June 30, 2021. ** Included within the C&I – Other column are ACL on leases with a beginning balance of $1.8 million, adoption impact of $685 thousand, negative provision of $279 thousand, charge-offs of $328 thousand and recoveries of $134 thousand. ACL on leases was $2.0 million as of June 30, 2021. Three Months Ended June 30, 2020 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Balance, beginning $ 18,151 $ 19,269 $ 1,303 $ 2,313 $ 1,197 $ 42,233 Provision 7,859 10,365 887 697 107 19,915 Charge-offs (340) (511) (595) — (4) (1,450) Recoveries 78 — 44 — 7 129 Balance, ending $ 25,748 $ 29,123 $ 1,639 $ 3,010 $ 1,307 $ 60,827 Six Months Ended June 30, 2020 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Balance, beginning $ 16,072 $ 15,379 $ 1,464 $ 1,948 $ 1,138 $ 36,001 Provisions 11,556 14,181 1,281 1,033 231 28,282 Charge-offs (1,979) (511) (1,195) — (100) (3,785) Recoveries 99 74 89 29 38 329 Balance, ending $ 25,748 $ 29,123 $ 1,639 $ 3,010 $ 1,307 $ 60,827 The composition of the ACL-loans/leases by portfolio segment based on evaluation method are as follows: As of June 30, 2021 Amortized Cost of Loans Receivable Allowance for Credit Losses Individually Collectively Individually Collectively Evaluated for Evaluated for Evaluated for Evaluated for Credit Losses Credit Losses Total Credit Losses Credit Losses Total (dollars in thousands) C&I : C&I – Revolving $ 2,725 $ 180,157 $ 182,882 $ 189 $ 2,988 $ 3,177 C&I - Other* 40,175 1,521,362 1,561,537 3,762 28,563 32,325 42,900 1,701,519 1,744,419 3,951 31,551 35,502 CRE - owner occupied 5,425 422,309 427,734 283 7,737 8,020 CRE - non-owner occupied 19,879 599,000 618,879 46 8,865 8,911 Construction and Land Development 10,553 697,736 708,289 12 13,628 13,640 Multi-family — 466,804 466,804 — 6,977 6,977 1-4 family real estate 4,683 377,459 382,142 491 4,434 4,925 Consumer 271 69,167 69,438 36 883 919 $ 83,711 $ 4,333,994 $ 4,417,705 $ 4,819 $ 74,075 $ 78,894 * Included within the C&I – Other category are leases individually evaluated of $161 thousand with a related allowance for credit losses of $33 thousand and leases collectively evaluated of $56.0 million with a related allowance for credit losses of $1.9 million. Information for impaired loans/leases prior to adoption of ASU 2016-13 on January 1, 2021, is presented in the tables below. The recorded investment represents customer balances net of any partial charge-offs recognized on the loan/lease. The unpaid principal balance represents the recorded balance outstanding on the loan/lease prior to any partial charge-offs. Loans/leases, by classes of financing receivable, considered to be impaired as of and for the six months ended June 30, 2020 are presented as follows: Interest Income Average Recognized for Recorded Unpaid Principal Related Recorded Interest Income Cash Payments Classes of Loans/Leases Investment Balance Allowance Investment Recognized Received (dollars in thousands) Impaired Loans/Leases with No Specific Allowance Recorded: C&I $ 1,978 $ 2,051 $ — $ 1,512 $ 25 $ 25 CRE Owner-occupied CRE 320 577 — 128 — — Commercial construction, land development, and other land — — — — — — Other non-owner occupied CRE 965 965 — 742 14 14 Direct financing leases 1,364 1,364 — 1,379 11 11 Residential real estate 624 652 — 474 — — Installment and other consumer 562 562 — 525 — — $ 5,813 $ 6,171 $ — $ 4,760 $ 50 $ 50 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 569 $ 569 $ 341 $ 479 $ — $ — CRE Owner-occupied CRE — — — — — — Commercial construction, land development, and other land — — — — — — Other non-owner occupied CRE 6,530 6,530 1,692 5,329 — — Direct financing leases 55 55 20 59 — — Residential real estate 260 260 23 206 — — Installment and other consumer 78 78 78 67 — — $ 7,492 $ 7,492 $ 2,154 $ 6,140 $ — $ — Total Impaired Loans/Leases: C&I $ 2,547 $ 2,620 $ 341 $ 1,991 $ 25 $ 25 CRE Owner-occupied CRE 320 577 — 128 — — Commercial construction, land development, and other land — — — — — — Other non-owner occupied CRE 7,495 7,495 1,692 6,071 14 14 Direct financing leases 1,419 1,419 20 1,438 11 11 Residential real estate 884 912 23 680 — — Installment and other consumer 640 640 78 592 — — $ 13,305 $ 13,663 $ 2,154 $ 10,900 $ 50 $ 50 Loans/leases, by classes of financing receivable, considered to be impaired as of and for the three months ended June 30, 2020 are presented as follows: Three Months Ended June 30, 2020 Interest Income Average Recognized for Recorded Interest Income Cash Payments Classes of Loans/Leases Investment Recognized Received Impaired Loans/Leases with No Specific Allowance Recorded: C&I $ 1,742 $ 13 $ 13 CRE Owner-Occupied CRE 174 — — Commercial Construction, Land Development, and Other Land — — — Other Non Owner-Occupied CRE 978 7 7 Direct Financing Leases 1,411 6 6 Residential Real Estate 524 — — Installment and Other Consumer 550 — — $ 5,379 $ 26 $ 26 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 568 $ — $ — CRE Owner-Occupied CRE — — — Commercial Construction, Land Development, and Other Land — — — Other Non Owner-Occupied CRE 6,560 — — Direct Financing Leases 57 — — Residential Real Estate 220 — — Installment and Other Consumer 70 — — $ 7,475 $ — $ — Total Impaired Loans/Leases: C&I $ 2,310 $ 13 $ 13 CRE Owner-Occupied CRE 174 — — Commercial Construction, Land Development, and Other Land — — — Other Non Owner-Occupied CRE 7,538 7 7 Direct Financing Leases 1,468 6 6 Residential Real Estate 744 — — Installment and Other Consumer 620 — — $ 12,854 $ 26 $ 26 Loans/leases, by classes of financing receivable, considered to be impaired as of December 31, 2020 are presented as follows: December 31, 2020 Interest Income Average Recognized for Recorded Unpaid Principal Related Recorded Interest Income Cash Payments Classes of Loans/Leases Investment Balance Allowance Investment Recognized Received (dollars in thousands) Impaired Loans/Leases with No Specific Allowance Recorded: C&I $ 1,361 $ 1,441 $ — $ 1,002 $ 33 $ 33 CRE Owner-occupied CRE — — — — — — Commercial construction, land development, and other land — — — — — — Other non-owner occupied CRE 1,133 1,933 — 494 29 29 Direct financing leases 578 578 — 483 17 17 Residential real estate 719 719 — 476 — — Installment and other consumer 133 133 — 121 — — $ 3,924 $ 4,804 $ — $ 2,576 $ 79 $ 79 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 4,020 $ 4,020 $ 650 $ 1,555 $ — $ — CRE Owner-occupied CRE — — — — — — Commercial construction, land development, and other land — — — — — — Other non-owner occupied CRE 6,354 6,354 1,938 5,726 — — Direct financing leases — — — — — — Residential real estate 258 258 20 227 — — Installment and other consumer 72 72 72 70 — — $ 10,704 $ 10,704 $ 2,680 $ 7,578 $ — $ — Total Impaired Loans/Leases: C&I $ 5,381 $ 5,461 $ 650 $ 2,557 $ 33 $ 33 CRE Owner-occupied CRE — — — — — — Commercial construction, land development, and other land — — — — — — Other non-owner occupied CRE 7,487 8,287 1,938 6,220 29 29 Direct financing leases 578 578 — 483 17 17 Residential real estate 977 977 20 703 — — Installment and other consumer 205 205 72 191 — — $ 14,628 $ 15,508 $ 2,680 $ 10,154 $ 79 $ 79 Impaired loans/leases prior to adoption of ASU 2016-13 and those individually evaluated under ASU 2016-13 for which no allowance has been provided have adequate collateral, based on management’s current estimates. The following table presents the amortized cost basis of collateral dependent loans, by the primary collateral type, which are individually evaluated to determine expected credit losses: As of June 30, 2021 Non Commercial Owner-Occupied Owner Occupied Assets Real Estate Real Estate Securities Equipment Other Total (dollars in thousands) C & I: C&I - Revolving $ 2,475 $ — $ — $ — $ 250 $ — $ 2,725 C&I - Other* 852 — 2,591 6,224 30,508 — 40,175 3,327 — 2,591 6,224 30,758 — 42,900 CRE - owner occupied — — 5,425 — — — 5,425 CRE - non-owner occupied — 19,879 — — — — 19,879 Construction and Land Development — 10,478 75 — — — 10,553 Multi-family — — — — — — — 1-4 Family Real Estate — 2,532 2,151 — — — 4,683 Consumer — — 248 — — 23 271 $ 3,327 $ 32,889 $ 10,490 $ 6,224 $ 30,758 $ 23 $ 83,711 * Included within the C&I – Other category are leases individually evaluated of $161 thousand with primary collateral of equipment. For certain C&I loans, all CRE loans, certain construction and land development loans, all multifamily loans and certain 1-4 family residential loans, the Company’s credit quality indicator consists of internally assigned risk ratings. Each such loan is assigned a risk rating upon origination. The risk rating is reviewed every 15 months, at a minimum, and on an as-needed basis depending on the specific circumstances of the loan. For certain C&I loans (including equipment financing agreements and direct financing leases), certain construction and land development, certain 1-4 family real estate loans, and all consumer loans, the Company’s credit quality indicator is performance determined by delinquency status. Prior to adoption of ASU 2016-13, this included C&I equipment financing agreements, direct financing leases, residential real estate loans, and installment and other consumer loans. Delinquency status is updated daily by the Company’s loan system. The following tables show the credit quality indicator of loans by class of receivable and year of origination as of June 30, 2021: As of June 30, 2021 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Internally Assigned Amortized Risk Rating 2021 2020 2019 2018 2017 Prior Cost Basis Total (dollars in thousands) C&I - revolving Pass (Ratings 1 through 5) $ — $ — $ — $ — $ — $ — $ 177,045 $ 177,045 Special Mention (Rating 6) — — — — — — 3,112 3,112 Substandard (Rating 7) — — — — — — 2,725 2,725 Doubtful (Rating 8) — — — — — — — — Total C&I - revolving $ — $ — $ — $ — $ — $ — $ 182,882 $ 182,882 C&I - other Pass (Ratings 1 through 5) $ 316,725 $ 437,339 $ 208,611 $ 125,116 $ 117,406 $ 56,478 $ — $ 1,261,675 Special Mention (Rating 6) 146 693 — 69 495 1,259 — 2,662 Substandard (Rating 7) 8,481 6,952 16,690 366 60 6,131 — 38,680 Doubtful (Rating 8) — — — — — — — — Total C&I - other $ 325,352 $ 444,984 $ 225,301 $ 125,551 $ 117,961 $ 63,868 $ — $ 1,303,017 CRE - owner occupied Pass (Ratings 1 through 5) $ 65,781 $ 159,219 $ 63,344 $ 32,677 $ 23,452 $ 64,232 $ 10,344 $ 419,049 Special Mention (Rating 6) 901 — 178 244 672 1,266 — 3,261 Substandard (Rating 7) 214 — 1,921 1,261 2,028 — — 5,424 Doubtful (Rating 8) — — — — — — — — Total CRE - owner occupied $ 66,896 $ 159,219 $ 65,443 $ 34,182 $ 26,152 $ 65,498 $ 10,344 $ 427,734 CRE - non-owner occupied Pass (Ratings 1 through 5) $ 81,897 $ 177,081 $ 91,579 $ 76,121 $ 72,401 $ 51,555 $ 6,570 $ 557,204 Special Mention (Rating 6) 5,019 8,617 1,846 15,288 4,201 5,673 1,151 41,795 Substandard (Rating 7) 419 — 17,000 499 957 — 1,005 19,880 Doubtful (Rating 8) — — — — — — — — Total CRE - non-owner occupied $ 87,335 $ 185,698 $ 110,425 $ 91,908 $ 77,559 $ 57,228 $ 8,726 $ 618,879 Construction and land development Pass (Ratings 1 through 5) $ 144,416 $ 231,399 $ 171,796 $ 117,381 $ 7,770 $ 2,613 $ 8,634 $ 684,009 Special Mention (Rating 6) — — — 593 — — — 593 Substandard (Rating 7) — — 10,478 — — — — 10,478 Doubtful (Rating 8) — — — — — — — — Total Construction and land development $ 144,416 $ 231,399 $ 182,274 $ 117,974 $ 7,770 $ 2,613 $ 8,634 $ 695,080 Multi-family Pass (Ratings 1 through 5) $ 125,743 $ 206,255 $ 66,161 $ 47,105 $ 7,420 $ 11,359 $ 2,761 $ 466,804 Special Mention (Rating 6) — — — — — — — — Substandard (Rating 7) — — — — — — — — Doubtful (Rating 8) — — — — — — — — Total Multi-family $ 125,743 $ 206,255 $ 66,161 $ 47,105 $ 7,420 $ 11,359 $ 2,761 $ 466,804 1-4 family real estate Pass (Ratings 1 through 5) $ 27,769 $ 33,721 $ 19,874 $ 12,928 $ 7,333 $ 8,990 $ 6,122 $ 116,737 Special Mention (Rating 6) 38 — — — 152 — — 190 Substandard (Rating 7) 2,532 — — — — — — 2,532 Doubtful (Rating 8) — — — — — — — — Total 1-4 family real estate $ 30,339 $ 33,721 $ 19,874 $ 12,928 $ 7,485 $ 8,990 $ 6,122 $ 119,459 Total $ 780,081 $ 1,261,276 $ 669,478 $ 429,648 $ 244,347 $ 209,556 $ 219,469 $ 3,813,855 As of June 30, 2021 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Delinquency Status * 2021 2020 2019 2018 2017 Prior Cost Basis Total (dollars in thousands) C&I - other Performing $ 63,299 $ 65,043 $ 43,563 $ 21,207 $ 7,542 $ 751 $ — $ 201,405 Nonperforming 69 290 423 72 85 23 — 962 Total C&I - other $ 63,368 $ 65,333 $ 43,986 $ 21,279 $ 7,627 $ 774 $ — $ 202,367 Direct financing leases Performing $ 4,358 $ 15,240 $ 15,002 $ 12,725 $ 6,349 $ 2,318 $ — $ 55,992 Nonperforming — — — 57 31 73 — 161 Total Direct financing leases $ 4,358 $ 15,240 $ 15,002 $ 12,782 $ 6,380 $ 2,391 $ — $ 56,153 Construction and land development Performing $ 3,111 $ 9,299 $ 213 $ 511 $ — $ — $ — $ 13,134 Nonperforming — — — — 75 — — 75 Total Construction and land development $ 3,111 $ 9,299 $ 213 $ 511 $ 75 $ — $ — $ 13,209 1-4 family real estate Performing $ 67,843 $ 86,487 $ 24,356 $ 13,340 $ 13,954 $ 56,239 $ 28 $ 262,247 Nonperforming — — 72 — — 364 — 436 Total 1-4 family real estate $ 67,843 $ 86,487 $ 24,428 $ 13,340 $ 13,954 $ 56,603 $ 28 $ 262,683 Consumer Performing $ 3,418 $ 6,882 $ 2,788 $ 2,321 $ 848 $ 3,034 $ 50,081 $ 69,372 Nonperforming 47 — — — 17 1 1 66 Total Consumer $ 3,465 $ 6,882 $ 2,788 $ 2,321 $ 865 $ 3,035 $ 50,082 $ 69,438 Total $ 142,145 $ 183,241 $ 86,417 $ 50,233 $ 28,901 $ 62,803 $ 50,110 $ 603,850 * Performing = loans/leases accruing and less than 90 days past due. Nonperforming = loans/leases on nonaccrual and accruing loans/leases that are greater than or equal to 90 days past due. For each class of financing receivable, the following table presents the recorded investment by credit quality indicator as of December 31, 2020: As of December 31, 2020 CRE Non-Owner Occupied Commercial Construction, Land Owner-Occupied Development, As a % of Internally Assigned Risk Rating C&I CRE and Other Land Other CRE Total Total (dollars in thousands) Pass (Ratings 1 through 5) $ 1,506,578 $ 488,478 $ 530,297 $ 999,931 $ 3,525,284 96.25 % Special Mention (Rating 6) 23,929 3,087 680 43,785 71,481 1.95 % Substandard (Rating 7) 24,710 4,906 10,478 25,987 66,081 1.80 % Doubtful (Rating 8) — — — — — — % $ 1,555,217 $ 496,471 $ 541,455 $ 1,069,703 $ 3,662,846 100.00 % As of December 31, 2020 Direct Financing Residential Real Installment and As a % of Delinquency Status * C&I Leases Estate Other Consumer Total Total (dollars in thousands) Performing $ 170,712 $ 65,475 $ 251,099 $ 91,094 $ 578,380 99.56 % Nonperforming 794 541 1,022 208 2,565 0.44 % $ 171,506 $ 66,016 $ 252,121 $ 91,302 $ 580,945 100.00 % * Prior to Adoption of ASU 2016-13: Performing = loans/leases accruing and less than 90 days past due. Nonperforming = loans/leases on nonaccrual, accruing loans/leases that are greater than or equal to 90 days past due, and accruing TDRs. As of June 30, 2021 and December 31, 2020, TDRs totaled $3.1 million and $1.7 million, respectively. For each class of financing receivable, the following presents the number and recorded investment of TDRs, by type of concession, that were restructured during the three and six months ended June 30, 2021 and June 30, 2020. The difference between the pre-modification recorded investment and the post-modification recorded investment would be any partial charge-offs at the time of the restructuring. For the three months ended June 30, 2021 For the six months ended June 30, 2021 Pre- Post- Pre- Post- Number of Modification Modification Number of Modification Modification Loans/ Recorded Recorded Specific Loans/ Recorded Recorded Specific Classes of Loans/Leases Leases Investment Investment Allowance Leases Investment Investment Allowance (dollars in thousands) CONCESSION - Extensio

NOTE 4 - DERIVATIVES AND HEDGIN

NOTE 4 - DERIVATIVES AND HEDGING ACTIVITIES	6 Months Ended
NOTE 4 - DERIVATIVES AND HEDGING ACTIVITIES	Jun. 30, 2021
Notes to Financial Statements
DERIVATIVES AND HEDGING ACTIVITIES	NOTE 4 – DERIVATIVES AND HEDGING ACTIVITIES Derivatives are summarized as follows as of June 30, 2021 and December 31, 2020: June 30, 2021 December 31, 2020 (dollars in thousands) Assets: Interest rate caps - hedged $ 613 $ 259 Interest rate caps 158 67 Interest rate swaps - hedged 1,490 — Interest rate swaps 191,134 222,431 $ 193,395 $ 222,757 Liabilities: Interest rate swaps - hedged $ (4,958) $ (6,839) Interest rate swaps (191,134) (222,431) $ (196,092) $ (229,270) The Company uses interest rate swap and cap instruments to manage interest rate risk related to the variability of interest payments due to changes in interest rates. The Company entered into interest rate caps to hedge against the risk of rising interest rates on liabilities. The liabilities consist of $300.0 million of deposits and the benchmark rates hedged vary at 1-month LIBOR, 3-month LIBOR and the Prime Rate. The interest rate caps are designated as cash flow hedges in accordance with ASC 815. An initial premium of $3.5 million was paid upfront for the caps executed. The details of the interest rate caps are as follows: Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Strike Rate June 30, 2021 December 31, 2020 (dollars in thousands) Deposits 1/1/2020 1/1/2023 Derivatives - Assets $ 25,000 1.75 % $ 3 $ 3 Deposits 1/1/2020 1/1/2023 Derivatives - Assets 50,000 1.57 8 5 Deposits 1/1/2020 1/1/2023 Derivatives - Assets 25,000 1.80 3 3 Deposits 1/1/2020 1/1/2024 Derivatives - Assets 25,000 1.75 35 15 Deposits 1/1/2020 1/1/2024 Derivatives - Assets 50,000 1.57 73 31 Deposits 1/1/2020 1/1/2024 Derivatives - Assets 25,000 1.80 37 15 Deposits 1/1/2020 1/1/2025 Derivatives - Assets 25,000 1.75 110 46 Deposits 1/1/2020 1/1/2025 Derivatives - Assets 50,000 1.57 229 94 Deposits 1/1/2020 1/1/2025 Derivatives - Assets 25,000 1.80 115 47 $ 300,000 $ 613 $ 259 In December 2020, the Company redesignated three of its interest rate caps, which had been purchased in 2019 for $800 thousand. The caps, which were designated as cash flow hedges at the time of purchase, were redesignated as unhedged. For derivative instruments that are designated as unhedged, the change in fair value of the derivative instrument is recognized into current earnings. The details of the unhedged interest rate caps are as follows: Balance Sheet Fair Value as of Effective Date Maturity Date Location Notional Amount Strike Rate June 30, 2021 December 31, 2020 (dollars in thousands) 1/1/2020 1/1/2023 Derivatives - Assets $ 25,000 1.90 % $ 3 $ 2 2/1/2020 2/1/2024 Derivatives - Assets 25,000 1.90 35 15 3/1/2020 3/1/2025 Derivatives - Assets 25,000 1.90 120 50 $ 75,000 $ 158 $ 67 The Company has entered into interest rate swaps to hedge against the risk of declining interest rates on floating rate loans. All of the interest rate swaps are designated as cash flow hedges in accordance with ASC 815. The details of the interest rate swaps are as follows: Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Receive Rate Pay Rate June 30, 2021 December 31, 2020 (dollars in thousands) QCBT - Loans 7/1/2021 7/1/2031 Derivatives - Assets 35,000 1.40 % 2.81 % 351 N/A CRBT - Loans 7/1/2021 7/1/2031 Derivatives - Assets 50,000 1.40 % 2.81 % 502 N/A CSB - Loans 7/1/2021 7/1/2031 Derivatives - Assets 40,000 1.40 % 2.81 % 386 N/A SFCB - Loans 7/1/2021 7/1/2031 Derivatives - Assets 25,000 1.40 % 2.81 % 251 N/A $ 150,000 $ 1,490 $ N/A The Company has entered into interest rate swaps to hedge against the risk of rising rates on its rolling fixed rate short-term FHLB advances or brokered CDs and its variable rate trust preferred securities. All of the interest rate swaps are designated as cash flow hedges in accordance with ASC 815. The details of the interest rate swaps are as follows: Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Receive Rate Pay Rate June 30, 2021 December 31, 2020 (dollars in thousands) QCR Holdings Statutory Trust II 9/30/2018 9/30/2028 Derivatives - Liabilities 10,000 3.00 % 5.85 % (1,282) (1,767) QCR Holdings Statutory Trust III 9/30/2018 9/30/2028 Derivatives - Liabilities 8,000 3.00 % 5.85 % (1,025) (1,414) QCR Holdings Statutory Trust V 7/7/2018 7/7/2028 Derivatives - Liabilities 10,000 1.74 % 4.54 % (1,246) (1,721) Community National Statutory Trust II 9/20/2018 9/20/2028 Derivatives - Liabilities 3,000 2.30 % 5.17 % (383) (529) Community National Statutory Trust III 9/15//2018 9/15/2028 Derivatives - Liabilities 3,500 1.87 % 4.75 % (447) (616) Guaranty Bankshares Statutory Trust I 9/15/2018 9/15/2028 Derivatives - Liabilities 4,500 1.87 % 4.75 % (575) (792) $ 39,000 $ (4,958) $ (6,839) Changes in fair values of derivative financial instruments accounted for as cash flow hedges, to the extent that they are included in the assessment of effectiveness, are recorded as a component of AOCI. The Company has also entered into interest rate swap contracts that are not designated as hedging instruments. These derivative contracts relate to transactions in which the Company enters into an interest rate swap with a customer while at the same time entering into an equal and offsetting interest rate swap with a third party financial institution counterparty. Additionally, the Company receives an upfront fee from the financial institution counterparty, dependent upon the pricing that is recognized upon receipt from the financial institution counterparty. Because the Company acts as an intermediary for the customer, changes in the fair value of the underlying derivative contracts, for the most part, offset each other and do not significantly impact the Company’s results of operations. Interest rate swaps that are not designated as hedging instruments are summarized as follows: June 30, 2021 December 31, 2020 Notional Amount Estimated Fair Value Notional Amount Estimated Fair Value (dollars in thousands) Non-Hedging Interest Rate Derivatives Assets: Interest rate swap contracts $ 3,149,265 $ 191,134 $ 1,539,602 $ 222,431 Non-Hedging Interest Rate Derivatives Liabilities: Interest rate swap contracts $ 3,149,265 $ 191,134 $ 1,539,602 $ 222,431 Swap fee income totaled $9.6 million and $19.9 million for the three months ended June 30, 2021 and 2020, respectively. Swap fee income totaled $23.1 million and $26.7 million for the six months ended June 30, 2021 and 2020, respectively. The Company’s hedged interest rate swaps and non-hedged interest rate swaps are collateralized with cash and investment securities with carrying values as follows: June 30, 2021 December 31, 2020 (dollars in thousands) Cash $ 22,660 $ 45,719 U.S govt. sponsored agency securities 3,612 3,628 Municipal securities 85,895 85,937 Residential mortgage-backed and related securities 78,733 89,646 $ 190,900 $ 224,930 The Company may be exposed to credit risk in the event of non-performance by the counterparties to its interest rate derivative agreements. The Company assesses the credit risk of its financial institution counterparties by monitoring publicly available credit rating and financial information. Additionally, the Company enters into interest rate derivatives only with primary and highly rated counterparties, and uses ISDA master agreements, central clearing mechanisms and counterparty limits. The ISDA master agreements contain bilateral collateral agreements with the amount of collateral to be posted generally governed by the settlement value of outstanding swaps. The Company manages the risk of default by its borrower/customer counterparties through its normal loan underwriting and credit monitoring policies and procedures. The Company underwrites the combination of the base loan amount and potential swap exposure and focuses on high quality borrowers with strong collateral values. For the majority of the Company’s swapped loan portfolio, the loan-to-value including the potential swap exposure is below 65%. The Company does not currently anticipate any losses from failure of interest rate derivative counterparties to honor their obligations.

NOTE 5 - INCOME TAXES

NOTE 5 - INCOME TAXES	6 Months Ended
NOTE 5 - INCOME TAXES	Jun. 30, 2021
Notes to Financial Statements
Income Taxes	NOTE 5 – IN COME TAXES A reconciliation of the expected federal income tax expense to the income tax expense included in the consolidated statements of income is as follows for the three and six months ended June 30, 2021 and June 30, 2020: For the Three Months Ended June 30, For the Six Months Ended June 30, 2021 2020 2021 2020 % of % of % of % of Pretax Pretax Pretax Pretax Amount Income Amount Income Amount Income Amount Income (dollars in thousands) Computed "expected" tax expense $ 5,699 21.0 % $ 3,472 21.0 % $ 10,219 21.0 % $ 6,226 21.0 % Tax exempt income, net (1,802) (6.6) (1,247) (7.5) (3,521) (7.2) (2,472) (8.3) Bank-owned life insurance (95) (0.4) (115) (0.7) (194) (0.4) (170) (0.6) State income taxes, net of federal benefit, current year 1,247 4.6 776 4.7 2,271 4.7 1,453 4.9 Tax credits (57) (0.2) (116) (0.7) (114) (0.2) (232) (0.8) Excess tax benefit on stock options exercised and restricted stock awards vested (40) (0.1) 2 — (204) (0.4) (262) (0.9) Other (164) (0.6) 26 0.1 (128) (0.3) 139 0.5 Federal and state income tax expense $ 4,788 17.6 % $ 2,798 16.9 % $ 8,329 17.2 % $ 4,682 15.8 %

NOTE 6 - EARNINGS PER SHARE

NOTE 6 - EARNINGS PER SHARE	6 Months Ended
NOTE 6 - EARNINGS PER SHARE	Jun. 30, 2021
Notes to Financial Statements
EARNINGS PER SHARE	NOTE 6 - EARNINGS PER SHARE The following information was used in the computation of EPS on a basic and diluted basis: Three months ended Six months ended June 30, June 30, 2021 2020 2021 2020 (dollars in thousands, except share data) Net income $ 22,349 $ 13,739 $ 40,331 $ 24,967 Basic EPS $ 1.41 $ 0.87 $ 2.55 $ 1.58 Diluted EPS $ 1.39 $ 0.86 $ 2.52 $ 1.56 Weighted average common shares outstanding 15,813,932 15,747,056 15,808,788 15,771,926 Weighted average common shares issuable upon exercise of stock options and under the employee stock purchase plan 231,307 148,280 226,606 185,032 Weighted average common and common equivalent shares outstanding 16,045,239 15,895,336 16,035,394 15,956,958

NOTE 7 - FAIR VALUE

NOTE 7 - FAIR VALUE	6 Months Ended
NOTE 7 - FAIR VALUE	Jun. 30, 2021
Fair Value
FAIR VALUE	NOTE 7 – FAIR VALUE Accounting guidance on fair value measurement uses a hierarchy intended to maximize the use of observable inputs and minimize the use of unobservable inputs. This hierarchy includes three levels and is based upon the valuation techniques used to measure assets and liabilities. The three levels are as follows: ● Level 1 – Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in markets; ● Level 2 – Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument; and ● Level 3 – Inputs to the valuation methodology are unobservable and significant to the fair value measurement. Assets and liabilities measured at fair value on a recurring basis comprise the following at June 30, 2021 and December 31, 2020: Fair Value Measurements at Reporting Date Using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Fair Value (Level 1) (Level 2) (Level 3) (dollars in thousands) June 30, 2021: Securities AFS: U.S. govt. sponsored agency securities $ 14,670 $ — $ 14,670 $ — Residential mortgage-backed and related securities 106,138 — 106,138 — Municipal securities 169,320 — 169,320 — Asset-backed securities 31,779 — 31,779 — Other securities 15,379 — 15,379 — Derivatives 193,395 — 193,395 — Total assets measured at fair value $ 530,681 $ — $ 530,681 $ — Derivatives $ 196,092 $ — $ 196,092 $ — Total liabilities measured at fair value $ 196,092 $ — $ 196,092 $ — December 31, 2020: Securities AFS: U.S. govt. sponsored agency securities $ 15,336 $ — $ 15,336 $ — Residential mortgage-backed and related securities 132,842 — 132,842 — Municipal securities 152,408 — 152,408 — Asset-backed securities 40,683 — 40,683 — Other securities 20,697 — 20,697 — Derivatives 222,757 — 222,757 — Total assets measured at fair value $ 584,723 $ — $ 584,723 $ — Derivatives $ 229,270 $ — $ 229,270 $ — Total liabilities measured at fair value $ 229,270 $ — $ 229,270 $ — The securities AFS portfolio consists of securities whereby the Company obtains fair values from an independent pricing service. The fair values are determined by pricing models that consider observable market data, such as interest rate volatilities, LIBOR yield curve, credit spreads and prices from market makers and live trading systems (Level 2 inputs). Interest rate caps are used for the purpose of hedging interest rate risk. The interest rate caps are further described in Note 4 to the Consolidated Financial Statements. The fair values are determined by pricing models that consider observable market data for derivative instruments with similar structures (Level 2 inputs). Interest rate swaps are used for the purpose of hedging interest rate risk on loans, FHLB advances, brokered deposits and junior subordinated debt. The interest rate swaps are further described in Note 4 to the Consolidated Financial Statements. The fair values are determined by comparing the contract rate on the swap with the then-current market rate for the remaining term of the transaction (Level 2 inputs). Interest rate swaps are also executed for select commercial customers. The interest rate swaps are further described in Note 4 to the Consolidated Financial Statements. The fair values are determined by comparing the contract rate on the swap with the then-current market rate for the remaining term of the transaction (Level 2 inputs). Certain financial assets are measured at fair value on a non-recurring basis; that is, the assets are not measured at fair value on an ongoing basis but are subject to fair value adjustments in certain circumstances (for example, when a loan/lease is collaterally dependent). Assets measured at fair value on a non-recurring basis comprise the following at June 30, 2021 and December 31, 2020: Fair Value Measurements at Reporting Date Using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Fair Value Level 1 Level 2 Level 3 (dollars in thousands) June 30, 2021: Loans/leases evaluated individually $ 85,276 $ — $ — $ 85,276 OREO 1,966 — — 1,966 $ 87,242 $ — $ — $ 87,242 December 31, 2020: Loans/leases evaluated individually $ 9,926 $ — $ — $ 9,926 OREO 22 — — 22 $ 9,948 $ — $ — $ 9,948 The increase in loans/leases evaluated individually is due to the change in ACL methodology with the adoption of ASU 2016-13 as well as the downgrading of one large relationship. Loans/leases evaluated individually are valued at the lower of cost or fair value, and are classified as Level 3 in the fair value hierarchy. Fair value is measured based on the value of the collateral securing these loans/leases. Collateral may be real estate and/or business assets, including equipment, inventory and/or accounts receivable, and is determined based on appraisals by qualified licensed appraisers hired by the Company. Appraised and reported values are discounted based on management's historical knowledge, changes in market conditions from the time of valuation, and/or management's expertise and knowledge of the client and client's business. OREO in the table above consists of property acquired through foreclosures and settlements of loans. Property acquired is carried at the estimated fair value of the property, less disposal costs, and is classified as Level 3 in the fair value hierarchy. The estimated fair value of the property is determined based on appraisals by qualified licensed appraisers hired by the Company. Appraised and reported values are discounted based on management's historical knowledge, changes in market conditions from the time of valuation, and/or management's expertise and knowledge of the property. The following table presents additional quantitative information about assets measured at fair value on a non-recurring basis for which the Company has utilized Level 3 inputs to determine fair value: Quantitative Information about Level Fair Value Measurements Fair Value Fair Value June 30, December 31, 2021 2020 Valuation Technique Unobservable Input Range (dollars in thousands) Loans/leases evaluated individually $ 85,276 $ 9,926 Appraisal of collateral Appraisal adjustments -10.00 % to -30.00 % OREO 1,966 22 Appraisal of collateral Appraisal adjustments 0.00 % to -35.00 % For the loans/leases evaluated individually and OREO, the Company records carrying value at fair value less disposal or selling costs. The amounts reported in the tables above are fair values before the adjustment for disposal or selling costs. There have been no changes in valuation techniques used for any assets or liabilities measured at fair value during the three and six months ended June 30, 2021 and 2020. The following table presents the carrying values and estimated fair values of financial assets and liabilities carried on the Company's consolidated balance sheets, including those financial assets and liabilities that are not measured and reported at fair value on a recurring basis or non-recurring basis: Fair Value As of June 30, 2021 As of December 31, 2020 Hierarchy Carrying Estimated Carrying Estimated Level Value Fair Value Value Fair Value (dollars in thousands) Cash and due from banks Level 1 $ 55,598 $ 55,598 $ 61,329 $ 61,329 Federal funds sold Level 2 1,340 1,340 9,080 9,080 Interest-bearing deposits at financial institutions Level 2 87,440 87,440 86,596 86,596 Investment securities: HTM Level 2 473,159 523,442 476,165 521,277 AFS Level 2 337,286 337,286 361,966 361,966 Loans/leases receivable, net Level 3 78,959 85,276 9,191 9,926 Loans/leases receivable, net Level 2 4,259,852 4,174,761 4,157,562 4,112,735 Derivatives Level 2 193,395 193,395 222,757 222,757 Deposits: Nonmaturity deposits Level 2 4,232,439 4,232,439 4,138,478 4,138,478 Time deposits Level 2 456,496 453,483 460,659 465,681 Short-term borrowings Level 2 7,070 7,070 5,430 5,430 FHLB advances Level 2 40,000 39,996 15,000 14,998 Subordinated notes Level 2 113,771 116,441 118,691 112,406 Junior subordinated debentures Level 2 38,067 30,799 37,993 30,618 Derivatives Level 2 196,092 196,092 229,270 229,270

NOTE 8 - BUSINESS SEGMENT INFOR

NOTE 8 - BUSINESS SEGMENT INFORMATION	6 Months Ended
NOTE 8 - BUSINESS SEGMENT INFORMATION	Jun. 30, 2021
Notes to Financial Statements
BUSINESS SEGMENT INFORMATION	NOTE 8 – BUSINESS SEGMENT INFORMATION Selected financial and descriptive information is required to be disclosed for reportable operating segments, applying a “management perspective” as the basis for identifying reportable segments. The management perspective is determined by the view that management takes of the segments within the Company when making operating decisions, allocating resources, and measuring performance. The segments of the Company have been defined by the structure of the Company's internal organization, focusing on the financial information that the Company's operating decision-makers routinely use to make decisions about operating matters. The Company's Commercial Banking business, is geographically divided by markets into the operating segments which are the four subsidiary banks wholly owned by the Company: QCBT, CRBT, CSB, and SFCB. Each of these operating segments offers similar products and services, but is managed separately due to different pricing, product demand, and consumer markets. Each offers commercial, consumer, and mortgage loans and deposit services. The Company's All Other segment includes the corporate operations of the parent and operations of all other consolidated subsidiaries and/or defined operating segments that fall below the segment reporting thresholds. Selected financial information on the Company's business segments is presented as follows as of and for the three and six months ended June 30, 2021 and 2020. Commercial Banking Intercompany Consolidated QCBT CRBT CSB SFCB All other Eliminations Total (dollars in thousands) Three Months Ended June 30, 2021 Total revenue $ 21,676 $ 26,498 $ 10,809 $ 9,181 $ 137 $ (102) $ 68,199 Net interest income 16,152 14,005 8,672 6,479 (2,119) 327 43,516 Provision for credit losses 136 (692) 756 (200) — — — Net income (loss) from continuing operations 8,679 11,145 3,109 3,685 22,320 (26,589) 22,349 Goodwill 3,223 14,980 9,888 45,975 — — 74,066 Intangibles — 1,946 2,979 5,440 — — 10,365 Total assets 2,059,634 1,913,761 1,079,930 850,067 81,076 (179,303) 5,805,165 Three Months Ended June 30, 2020 Total revenue $ 21,712 $ 35,505 $ 9,853 $ 9,533 $ 18,461 $ (17,788) $ 77,276 Net interest income 15,653 12,820 7,538 6,201 (1,509) 245 40,948 Provision for loan/lease losses 7,539 7,160 2,811 2,405 — — 19,915 Net income (loss) from continuing operations 3,999 11,043 569 1,899 13,650 (17,421) 13,739 Goodwill 3,223 14,980 9,888 45,975 182 — 74,248 Intangibles — 2,437 3,643 6,344 1,448 — 13,872 Total assets 1,984,245 2,021,043 903,648 745,470 715,740 (765,385) 5,604,761 Six Months Ended June 30, 2021 Total revenue $ 42,960 $ 56,855 $ 21,232 $ 17,927 $ 503 $ (224) $ 139,253 Net interest income 31,938 27,611 17,040 12,548 (4,221) 575 85,491 Provision for loan/lease losses 2,248 1,492 2,122 851 — — 6,713 Net income (loss) 15,843 22,541 5,171 5,954 40,268 (49,446) 40,331 Goodwill 3,223 14,980 9,888 45,975 — — 74,066 Intangibles — 1,946 2,979 5,440 — — 10,365 Total assets 2,059,634 1,913,761 1,079,930 850,067 81,076 (179,303) 5,805,165 Six Months Ended June 30, 2020 Total revenue $ 43,399 $ 58,384 $ 20,074 $ 18,224 $ 34,875 $ (33,502) $ 141,454 Net interest income 30,080 24,206 15,038 11,843 (2,998) 477 78,646 Provision for loan/lease losses 10,722 9,410 4,775 3,375 — — 28,282 Net income (loss) from continuing operations 9,723 17,504 1,635 4,105 24,674 (32,674) 24,967 Goodwill 3,223 14,980 9,888 45,975 182 — 74,248 Intangibles — 2,437 3,643 6,344 1,448 — 13,872 Total assets 1,984,245 2,021,043 903,648 745,470 715,740 (765,385) 5,604,761

NOTE 9 - REGULATORY CAPITAL REQ

NOTE 9 - REGULATORY CAPITAL REQUIREMENTS	6 Months Ended
NOTE 9 - REGULATORY CAPITAL REQUIREMENTS	Jun. 30, 2021
Notes to Financial Statements
REGULATORY CAPITAL REQUIREMENTS	NOTE 9 – REGULATORY CAPITAL REQUIREMENTS The Company (on a consolidated basis) and the subsidiary banks are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company and subsidiary banks' financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the subsidiary banks must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain OBS items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Quantitative measures established by regulation to ensure capital adequacy require the Company and the subsidiary banks to maintain minimum amounts and ratios (set forth in the following table) of total common equity Tier 1 and Tier 1 capital to risk-weighted assets and of Tier 1 capital to average assets, each as defined by regulation. Management believes, as of June 30, 2021 and December 31, 2020, that the Company and the subsidiary banks met all capital adequacy requirements to which they are subject. Under the regulatory framework for prompt corrective action, to be categorized as “well capitalized,” an institution must maintain minimum total risk-based, Tier 1 risk-based, Tier 1 leverage and common equity Tier 1 ratios as set forth in the following tables. The Company and the subsidiary banks’ actual capital amounts and ratios as of June 30, 2021 and December 31, 2020 are presented in the following tables (dollars in thousands). As of June 30, 2021 and December 31, 2020, each of the subsidiary banks met the requirements to be “well capitalized”. For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio As of June 30, 2021: Company: Total risk-based capital $ 760,593 14.72 % $ 413,445 > 8.00 % $ 542,647 > 10.50 % $ 516,806 > 10.00 % Tier 1 risk-based capital 581,919 11.26 310,084 > 6.00 439,285 > 8.50 413,445 > 8.00 Tier 1 leverage 581,919 10.29 226,250 > 4.00 226,250 > 4.00 282,812 > 5.00 Common equity Tier 1 543,852 10.52 232,563 > 4.50 361,764 > 7.00 335,924 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 228,180 13.15 % $ 138,799 > 8.00 % $ 182,174 > 10.50 % $ 173,499 > 10.00 % Tier 1 risk-based capital 206,355 11.89 104,099 > 6.00 147,474 > 8.50 138,799 > 8.00 Tier 1 leverage 206,355 9.75 84,699 > 4.00 84,699 > 4.00 105,874 > 5.00 Common equity Tier 1 206,355 11.89 78,075 > 4.50 121,449 > 7.00 112,774 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 243,211 13.86 % $ 140,431 > 8.00 % $ 184,316 > 10.50 % $ 175,539 > 10.00 % Tier 1 risk-based capital 221,202 12.60 105,323 > 6.00 149,208 > 8.50 140,431 > 8.00 Tier 1 leverage 221,202 11.95 74,072 > 4.00 74,072 > 4.00 92,590 > 5.00 Common equity Tier 1 221,202 12.60 78,992 > 4.50 122,877 > 7.00 114,100 > 6.50 Community State Bank: Total risk-based capital $ 114,512 11.99 % $ 76,389 > 8.00 % $ 100,261 > 10.50 % $ 95,487 > 10.00 % Tier 1 risk-based capital 102,521 10.74 57,292 > 6.00 81,164 > 8.50 76,389 > 8.00 Tier 1 leverage 102,521 9.78 41,943 > 4.00 41,943 > 4.00 52,429 > 5.00 Common equity Tier 1 102,521 10.74 42,969 > 4.50 66,841 > 7.00 62,066 > 6.50 Springfield First Community Bank: Total risk-based capital $ 91,663 12.60 % $ 58,189 > 8.00 % $ 76,373 > 10.50 % $ 72,736 > 10.00 % Tier 1 risk-based capital 82,554 11.35 43,641 > 6.00 61,825 > 8.50 58,189 > 8.00 Tier 1 leverage 82,554 10.53 31,351 > 4.00 31,351 > 4.00 39,189 > 5.00 Common equity Tier 1 82,554 11.35 32,731 > 4.50 50,915 > 7.00 47,278 > 6.50 For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio As of December 31, 2020: Company: Total risk-based capital $ 721,004 14.95 % $ 385,832 > 8.00 % $ 506,404 > 10.50 % $ 482,290 > 10.00 % Tier 1 risk-based capital 546,729 11.34 289,374 > 6.00 409,946 > 8.50 385,832 > 8.00 Tier 1 leverage 546,729 9.49 230,345 > 4.00 230,345 > 4.00 287,931 > 5.00 Common equity Tier 1 508,736 10.55 217,030 > 4.50 337,603 > 7.00 313,488 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 213,608 12.24 % $ 139,581 > 8.00 % $ 183,200 > 10.50 % $ 174,477 > 10.00 % Tier 1 risk-based capital 191,693 10.99 104,686 > 6.00 148,305 > 8.50 139,581 > 8.00 Tier 1 leverage 191,693 8.48 90,430 > 4.00 90,430 > 4.00 113,038 > 5.00 Common equity Tier 1 191,693 10.99 78,514 > 4.50 122,134 > 7.00 113,410 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 217,227 13.14 % $ 132,269 > 8.00 % $ 173,603 > 10.50 % $ 165,336 > 10.00 % Tier 1 risk-based capital 196,438 11.88 99,202 > 6.00 140,536 > 8.50 132,269 > 8.00 Tier 1 leverage 196,438 10.01 78,535 > 4.00 78,535 > 4.00 98,169 > 5.00 Common equity Tier 1 196,438 11.88 74,401 > 4.50 115,735 > 7.00 107,469 > 6.50 Community State Bank: Total risk-based capital $ 108,040 12.69 % $ 68,117 > 8.00 % $ 89,404 > 10.50 % $ 85,146 > 10.00 % Tier 1 risk-based capital 97,350 11.43 51,088 > 6.00 72,374 > 8.50 68,117 > 8.00 Tier 1 leverage 97,350 10.27 37,930 > 4.00 37,930 > 4.00 47,412 > 5.00 Common equity Tier 1 97,350 11.43 38,316 > 4.50 59,602 > 7.00 55,345 > 6.50 Springfield First Community Bank: Total risk-based capital $ 90,334 14.35 % $ 50,357 > 8.00 % $ 66,094 > 10.50 % $ 62,947 > 10.00 % Tier 1 risk-based capital 77,668 12.34 37,768 > 6.00 53,505 > 8.50 50,357 > 8.00 Tier 1 leverage 77,668 10.87 28,575 > 4.00 28,575 > 4.00 35,719 > 5.00 Common equity Tier 1 77,668 12.34 28,326 > 4.50 44,063 > 7.00 40,915 > 6.50

NOTE 1 - SUMMARY OF SIGNIFICA_2

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Policies)	6 Months Ended
	Jun. 30, 2021
Accounting Policies
Basis of presentation	Basis of presentation The financial information of the Company included herein has been prepared in accordance with GAAP for interim financial reporting and has been prepared pursuant to the rules and regulations for reporting on Form 10-Q and Rule 10-01 of Regulation S-X. Such information reflects all adjustments (consisting of normal recurring adjustments) that are, in the opinion of management, necessary for a fair presentation of the financial position and results of operations for the periods presented. Any differences appearing between the numbers presented in financial statements and management's discussion and analysis are due to rounding. The results of the interim period ended June 30, 2021 are not necessarily indicative of the results expected for the year ending December 31, 2021, or for any other period. The acronyms and abbreviations identified below are used throughout this Quarterly Report on Form 10-Q. It may be helpful to refer back to this page as you read this report. ACL: Allowance for credit losses Allowance: Allowance for credit losses GAAP: Generally Accepted Accounting Principles HTM: Held to maturity AOCI: Accumulated other comprehensive income (loss) LIBOR: London Inter-Bank Offered Rate AFS: Available for sale LRP: Loan Relief Program ASC: Accounting Standards Codification m2: m2 Equipment Finance, LLC ASU: Accounting Standards Update MSELF: Main Street Expanded Loan Facility Bates Companies: Bates Financial Advisors, Inc., Bates MSNLF: Main Street New Loan Facility Financial Services, Inc., Bates Securities, Inc. and NIM: Net interest margin Bates Financial Group, Inc. NPA: Nonperforming asset BOLI: Bank-owned life insurance NPL: Nonperforming loan Caps: Interest rate cap derivatives OBS: Off-balance sheet CARES Act: Coronavirus Aid, Relief and Economy OREO: Other real estate owned Security Act OTTI: Other-than-temporary impairment CECL: Current Expected Credit Losses PCAOB: Public Company Accounting Oversight Board Community National: Community National Bancorporation PCD: Purchased credit deteriorated loan COVID-19: Coronavirus Disease 2019 PCI: Purchased credit impaired CRBT: Cedar Rapids Bank & Trust Company PPP: Paycheck Protection Program CRE: Commercial real estate Provision: Provision for credit losses CSB: Community State Bank QCBT: Quad City Bank & Trust Company C&I: Commercial and industrial RB&T: Rockford Bank & Trust Company EPS: Earnings per share ROAA: Return on average assets Exchange Act: Securities Exchange Act of 1934, as SBA: U.S. Small Business Administration amended SEC: Securities and Exchange Commission FASB: Financial Accounting Standards Board SFCB: Springfield First Community Bank FDIC: Federal Deposit Insurance Corporation Springfield Bancshares: Springfield Bancshares, Inc. Federal Reserve: Board of Governors of the Federal TA: Tangible assets Reserve System TCE: Tangible common equity FHLB: Federal Home Loan Bank TDRs: Troubled debt restructurings FRB: Federal Reserve Bank of Chicago TEY: Tax equivalent yield The Company: QCR Holdings, Inc.
Principles of consolidation	The Consolidated Financial Statements include the accounts of the Company and its wholly-owned subsidiaries which include the accounts of four commercial banks: QCBT, CRBT, CSB and SFCB. All are state-chartered commercial banks and all are members of the Federal Reserve system. The Company engages in direct financing lease contracts through m2, a wholly-owned subsidiary of QCBT. All material intercompany transactions and balances have been eliminated in consolidation.
Recent accounting developments	Recent accounting developments Financial Instruments – Credit Losses (Topic 326) On March 27, 2020, the CARES Act, a stimulus package designed in response to the economic disruption created by COVID-19, was signed into law. The CARES Act includes provisions that, if elected, temporarily delay the required implementation date of ASU 2016-13. Section 4014 of the CARES Act stipulates that no insured depository institution, bank holding company, or affiliate would be required to comply with ASU 2016-13, beginning on the date of CARES Act’s enactment and continuing until the earlier of: (1) the date on which the national emergency related to the COVID-19 outbreak is terminated or (2) December 31, 2020. On December 27, 2020, former President Trump signed the Consolidated Appropriations Act, which extended this relief to the earlier of the first day of the Company’s fiscal year after the date the national emergency terminates or January 1, 2022. Based upon guidance from regulators, it was determined the Company could adopt ASU 2016-13 on January 1, 2021, and the Company did adopt on January 1, 2021. The Company has developed a CECL allowance model which calculates allowances over the life of a loan and is largely driven by portfolio characteristics, risk-grading, economic outlook, and other key methodology assumptions. Those assumptions are based upon the existing probability of default and loss given the default framework. The Company utilizes economic and other forecasts over a reasonable and supportable forecast period and then fully reverts back to average historical losses. Results for reporting periods beginning after December 31, 2020 are presented under ASU 2016-13 while prior period amounts continue to be reported in accordance with previously applicable GAAP, which includes a change in terminology from “Allowance for estimated losses on loans/leases” to “Allowance for credit losses.” The Company adopted the standard using a modified retrospective approach and recorded an after tax decrease to retained earnings of $937 thousand as of January 1, 2021 due to the adoption of ASU 2016-13. This transition adjustment included an $8.1 million decrease in the allowance related to loans and leases, established an ACL on held to maturity debt securities of $183 thousand and established an ACL on OBS credit exposures of $9.1 million. The company did not record an ACL on available for sale securities upon adoption of ASU 2016-13. The Company elected to not measure an ACL on accrued interest as such accrued interest is written off in a timely manner when deemed uncollectible. Any such write-off of accrued interest will reverse previously recognized interest income. The Company elected not to include accrued interest within the presentation and disclosures of the carrying amount of financial assets held at amortized cost. This election is applicable to the various disclosures included within the financial statements and notes included on the following pages of this Form 10-Q. The Company elected not to utilize the regulatory transition relief issued by federal regulatory authorities in the first quarter of 2020, which allowed banking institutions to delay the impact of CECL on regulatory capital, because the impact on the capital ratios of the Company and its subsidiary banks was not significant. The following table illustrates the impact of ASU 2016-13 as of January 1, 2021: As Reported Pre- Impact of Under ASU 2016-13 ASU 2016-13 ASU 2016-13 Adoption Adoption Assets: Allowance for credit losses HTM securities $ 183 $ — $ 183 Loans: C&I — 35,421 (35,421) C&I - revolving 2,982 — 2,982 C&I - other 29,130 — 29,130 CRE — 42,161 (42,161) CRE - owner occupied 8,696 — 8,696 CRE - non owner occupied 11,428 — 11,428 Construction & Land Development 11,999 — 11,999 Multi-family 5,836 — 5,836 Direct financing leases — 1,764 (1,764) 1-4 family real estate 5,042 — 5,042 Residential real estate — 3,732 (3,732) Consumer 1,161 1,298 (137) Allowance for credit losses on loans 76,274 84,376 (8,102) Liabilities: Allowance for credit losses on OBS credit exposures 9,117 — 9,117 Loan segmentation under ASU 2016-13 follows different methodology where that segmentation is collateral driven, causing certain segments to contain commercial and non-commercial borrowers, whereas pre-ASU 2016-13 segments were borrower driven. Further discussion contained in this quarterly report regarding the loan and lease portfolio as well as ACL on HTM securities and OBS exposures is only relevant for the year 2021 and forward. Discission in Note 1 of the Company's Annual Report on Form 10-K for the year ended December 31, 2020 is still applicable for years prior to 2021.
Loans receivable, held for sale	Loans receivable, held for sale
Loans receivable, held for investment	Loans receivable, held for investment The ACL is measured on a collective (pool) basis when similar risk characteristics exist. The Company discloses the ACL (also known as the allowance) by portfolio segment, and credit quality information, nonaccrual status, and past due status by class of financing receivable. A portfolio segment is the level at which the Company develops and documents a systematic methodology to determine its ACL. A class of financing receivable is a further disaggregation of a portfolio segment based on risk characteristics and the Company’s method for monitoring and assessing credit risk. See the following information and Note 3. The Company’s portfolio segments and class of loans receivable are as follows: ● C&I – revolving ● C&I – other ● CRE – owner occupied ● CRE – non-owner occupied ● Construction and land development ● Multi-family ● 1-4 family real estate ● Consumer The Company’s classes of loans receivable are as follows: ● C&I – revolving ● C&I – other ● CRE – owner occupied ● CRE – non-owner occupied ● Construction and land development ● Multi-family ● Direct financing leases ● 1-4 family real estate ● Consumer Direct financing leases are considered a class of financing receivable within the overall loan/lease portfolio and are included in the C&I other loan segments for ACL. The accounting policies for direct financing leases are disclosed below. Generally, for all classes of loans receivable, loans are considered past due when contractual payments are delinquent for 31 days or greater. For all classes of loans receivable, loans will generally be placed on nonaccrual status when the loan has become 90 days past due (unless the loan is well secured and in the process of collection); or if any of the following conditions exist: ● It becomes evident that the borrower will not make payments, or will not or cannot meet the terms for renewal of a matured loan; ● When full repayment of principal and interest is not expected; ● When the loan is graded “doubtful”; ● When the borrower files bankruptcy and an approved plan of reorganization or liquidation is not anticipated in the near future; or ● When foreclosure action is initiated. When a loan is placed on nonaccrual status, income recognition is ceased. Previously recorded but uncollected amounts of interest on nonaccrual loans are reversed at the time the loan is placed on nonaccrual status. Generally, cash collected on nonaccrual loans is applied to principal. Should full collection of principal be expected, cash collected on nonaccrual loans can be recognized as interest income. For all classes of loans receivable, nonaccrual loans may be restored to accrual status provided the following criteria are met: ● The loan is current, and all principal and interest amounts contractually due have been made; ● All principal and interest amounts contractually due, including past due payments, are reasonably assured of repayment within a reasonable period; and ● There is a period of minimum repayment performance, as follows, by the borrower in accordance with contractual terms: o Six months of repayment performance for contractual monthly payments, or o One year of repayment performance for contractual quarterly or semi-annual payments. Direct finance leases receivable, held for investment recorded as lease receivables when the lease is signed and the lease property delivered to the customer. The excess of the minimum lease payments and residual values over the cost of the equipment is recorded as unearned lease income. Unearned lease income is recognized over the term of the lease on a basis that results in an approximate level rate of return on the unrecovered lease investment. Lease income is recognized on the interest method. Residual value is the estimated fair market value of the equipment on lease at the lease termination. In estimating the equipment’s fair value at lease termination, the Company relies on historical experience by equipment type and manufacturer and, where available, valuations by independent appraisers, adjusted for known trends. The Company’s estimates are reviewed continuously to ensure reasonableness; however, the amounts the Company will ultimately realize could differ from the estimated amounts. If the review results in a lower estimate than had been previously established, a determination is made as to whether the decline in estimated residual value is other-than temporary. If the decline in estimated unguaranteed residual value is judged to be other-than-temporary, the accounting for the transaction is revised using the changed estimate. The resulting reduction in the investment is recognized as a loss in the period in which the estimate is changed. An upward adjustment of the estimated residual value is not recorded. The policies for delinquency and nonaccrual for direct financing leases are materially consistent with those described above for all classes of loan receivables.
Troubled debt restructuring	TDRs The following criteria, related to granting a concession, together or separately, create a TDR: ● A modification of terms of a debt such as one or a combination of: o The reduction of the stated interest rate to a rate lower than the current market rate for new debt with similar risk. o The extension of the maturity date or dates at a stated interest rate lower than the current market rate for new debt with similar risk. o The reduction of the face amount or maturity amount of the debt as stated in the instrument or other agreement. o The reduction of accrued interest. ● A transfer from the borrower/lessee to the Company of receivables from third parties, real estate, other assets, or an equity position in the borrower to fully or partially satisfy a loan. ● The issuance or other granting of an equity position to the Company to fully or partially satisfy a debt unless the equity position is granted pursuant to existing terms for converting the debt into an equity position.
Allowance	Allowance Allowance for Credit Losses on Loans and Leases The ACL on loans is measured on a collective (pool) basis when similar risk characteristics exist. The Company has identified the eight portfolio segments at which the allowance will be measured. For all portfolio segments, the allowance is established as losses are estimated to have occurred through a provision that is charged to earnings. Credit losses on loans and leases, for all portfolio segments, are charged against the allowance when management believes the uncollectibility of a loan/lease balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The Company’s methodologies for estimating the allowance for credit losses consider available relevant information about the collectability of cash flows, including information about past events, current conditions, and reasonable and supportable forecasts. The methodologies apply historical loss information adjusted for asset-specific characteristics, economic conditions at the measurement date, and forecasts about future economic conditions that are expected to exist through the contractual lives of the financial assets and that are reasonable and supportable -- to the identified pools of financial assets with similar risk characteristics for which the historical loss experience was observed. The Company will immediately and fully revert back to average historical losses when it can no longer develop reasonable and supportable forecasts. A discussion of the risk characteristics and the allowance by each loan portfolio segment follows: For C&I loans, both revolving lines of credit and other C&I, the Company focuses on small and mid-sized businesses with primary operations as wholesalers, manufacturers, building contractors, business services companies, other banks, and retailers. The Company provides a wide range of C&I loans, including lines of credit for working capital and operational purposes, and term loans for the acquisition of facilities, equipment and other purposes. Approval is generally based on the following factors: ● Ability and stability of current management of the borrower; ● Stable earnings with positive financial trends; ● Sufficient cash flow to support debt repayment; ● Earnings projections based on reasonable assumptions; ● Financial strength of the industry and business; and ● Value and marketability of collateral. Collateral for C&I loans generally includes accounts receivable, inventory, equipment and real estate. The Company’s lending policy specifies approved collateral types and corresponding maximum advance percentages. The value of collateral pledged on loans must exceed the loan amount by a margin sufficient to absorb potential erosion of its value in the event of foreclosure and cover the loan amount plus costs incurred to convert it to cash. The Company’s lending policy specifies maximum term limits for C&I loans. For term loans, the maximum term is generally 7 years with average terms ranging from 3 In addition, the Company often takes personal guarantees or cosigners to help assure repayment. Loans may be made on an unsecured basis if warranted by the overall financial condition of the borrower. CRE is segmented into the following categories generally based on source of repayment: Owner occupied CRE, non-owner occupied CRE and multi-family. CRE loans are also embedded in the following segments: construction and land development and 1-4 family real estate. CRE loans are subject to underwriting standards and processes similar to C&I loans, in addition to those standards and processes specific to real estate loans. Collateral for CRE loans generally includes the underlying real estate and improvements, and may include additional assets of the borrower. The Company’s lending policy specifies maximum loan-to-value limits based on the category of CRE (CRE loans on improved property, raw land, land development, and commercial construction). These limits are the same limits established by regulatory authorities. Multi-family loans provide a source of repayment from rental income. The Company’s lending policy also includes guidelines for real estate appraisals, including minimum appraisal standards based on certain transactions. In addition, the Company often takes personal guarantees to help assure repayment. Construction loans include any loans to finance the construction of any new residential property, CRE property or major rehabilitation or expansion of existing commercial structures. Construction lending carries a high degree of risk because of the difficulty of protecting the bank against a myriad of pitfalls. The following factors are evaluated when underwriting these types of loans: ● Borrowers/contractors experience and ability is analyzed with the type and size of project being considered. ● Financial ability to cover cost overruns. ● Reliability and thoroughness of cost projections and reasonable assurance that significant provisions are made for contingencies for soft costs especially interest and operating deficits. ● Reliability of the estimate of time to complete the project. The land development portfolio also includes other land loans such as raw land. The raw land component involves considerable risk to the bank and is reserved for the Bank’s most credit worthy borrowers. Land development loans are typically only made to experienced local developers with successful track records. For all loans the allowance consists of pooled and individually analyzed components. Pooled loan allowances consist of quantitative and qualitative factors and cover loan classes that share similar risk characteristics with other assets in the segmented pool. Quantitative Factors: The quantitative factors are based on the probability of default and loss given default derived from historical net charge-off experience, repayment activity and default, remaining life, and current economic conditions as well as economic outlook. Qualitative Factors: The Company’s allowance methodology also has a qualitative component, the purpose of which is to provide management with a means to take into consideration changes in current conditions that could potentially have an effect, up or down, on the level of recognized loan losses, that, for whatever reason, fail to show up in the quantitative analysis performed in determining its base loan loss rates. The Company utilizes the following qualitative factors: ● National and local economy ● Loan volume and trend ● Loan quality ● Loan policies and procedures ● Management and staff experience ● Concentrations ● Collateral ● Loan review system ● Regulatory environment and oversight The qualitative adjustments are based on the current condition and applied as a percentage adjustment in addition to the calculated historical loss rates. The adjustment amount can be either positive or negative depending whether or not the current condition is better or worse than the historical average. These adjustments reflect the extent to which the Company expects current conditions to differ from the conditions that existed for the period over which historical information was evaluated. Economic Forecasting: The Company uses reasonable and supportable forecasts over the contractual term of the financial assets for each entity. This measurement is based upon relevant past events, historical experience and current conditions to determine the forecasted data which requires significant judgement. When management no longer has sufficient information to make a reasonable and supportable forecast, the data will then immediately revert back to the average historical performance for each entity. It is expected that actual economic conditions will, in many circumstances, turn out differently than forecasted because the ultimate outcomes during the forecast period may be affected by events that were unforeseen, such as economic disruption and fiscal or monetary policy actions, which are exacerbated by longer forecasting periods. This uncertainty would be relevant to the entity’s confidence level as to the outcomes being forecasted. That is, an entity is likely less confident in the ultimate outcome of events that will occur at the end of the forecast period as compared to the beginning. As a result, actual future economic conditions may not be an effective indicator of the quality of the Company’s forecasting process, including the length of the forecast period. Loans are determined to no longer share similar risk characteristics with other assets in the segmented pool when their scheduled payments of principal and interest according to the contractual terms of the loan agreement, have a greater probability of uncollectibility based on current information and events. Such events include past due status of 90 days or more, non-accrual status or classification of a substandard or doubtful risk rating. Factors considered by management in determining risk rating and non-accrual status include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not considered low quality. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower’s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Allowances for these low quality loans are measured on a case-by-case basis by either the present value of expected future cash flows discounted at the loan’s effective interest rate, the loan’s obtainable market price, or the fair value of the collateral if the loan is collateral dependent. Some loans that are determined to no longer share risk characteristics with other assets in the segmented pool, may be deemed collateral dependent. A financial asset is collateral-dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the sale or operation of the collateral. When it is determined that foreclosure is probable, the collateral’s fair value is used to estimate the financial assets expected credit losses for the current reporting period. This fair value is then reduced by the present value of estimated costs to sell. If it is determined that the asset is collateral-dependent but foreclosure is not probable, an institution can elect to apply the practical expedient to use the collateral’s fair value to estimate the asset’s expected credit loss. The Company is choosing to utilize the practical expedient. When using the practical expedient on a collateral dependent loan where repayment is reliant upon the sale of the collateral, the fair value of that collateral will be adjusted for estimated costs to sell. However if the repayment is dependent on the operations of the company the fair market value less estimated cost to sell cannot be used. Thus the net present value of the cash-flow will be utilized. For non-homogenous loans, the Company utilizes the following internal risk rating scale: 1. Highest Quality (Pass) – loans of the highest quality with no credit risk, including those fully secured by subsidiary bank certificates of deposit and U.S. government securities. 2. Superior Quality (Pass) – loans with very strong credit quality. Borrowers have exceptionally strong earnings, liquidity, capital, cash flow coverage, and management ability. Includes loans secured by high quality marketable securities, certificates of deposit from other institutions, and cash value of life insurance. Also includes loans supported by U.S. government, state, or municipal guarantees. 3. Satisfactory Quality (Pass) – loans with satisfactory credit quality. Established borrowers with satisfactory financial condition, including credit quality, earnings, liquidity, capital and cash flow coverage. Management is capable and experienced. Collateral coverage and guarantor support, if applicable, are more than adequate. Includes loans secured by personal assets and business assets, including equipment, accounts receivable, inventory, and real estate. 4. Fair Quality (Pass) – loans with moderate but still acceptable credit quality. The primary repayment source remains adequate; however, management’s ability to maintain consistent profitability is unproven or uncertain. Borrowers exhibit acceptable leverage and liquidity. May include new businesses with inexperienced management or unproven performance records in relation to peers, or borrowers operating in highly cyclical or declining industries. 5. Early Warning (Pass) – loans where the borrowers have generally performed as agreed, however unfavorable financial trends exist or are anticipated. Earnings may be erratic, with marginal cash flow or declining sales. Borrowers reflect leveraged financial condition and/or marginal liquidity. Management may be new and a track record of performance has yet to be developed. Financial information may be incomplete, and reliance on secondary repayment sources may be increasing. 6. Special Mention – loans where the borrowers exhibit credit weaknesses or unfavorable financial trends requiring close monitoring. Weaknesses and adverse trends are more pronounced than Early Warning loans, and if left uncorrected, may jeopardize repayment according to the contractual terms. Currently, no loss of principal or interest is expected. Borrowers in this category have deteriorated to the point that it would be difficult to refinance with another lender. Special Mention should be assigned to borrowers in turnaround situations. This rating is intended as a transitional rating, therefore, it is generally not assigned to a borrower for a period of more than one year . 7. Substandard – loans which are inadequately protected by the current worth and paying capacity of the obligor or of the collateral pledged, if applicable. These loans have a well-defined weakness or weaknesses which jeopardize repayment according to the contractual terms. There is distinct loss potential if the weaknesses are not corrected. Includes loans with insufficient cash flow coverage which are collateral dependent, other real estate owned, and repossessed assets. 8. Doubtful – loans which have all the weaknesses inherent in a Substandard loan, with the added characteristic that existing weaknesses make full principal collection, on the basis of current facts, conditions and values, highly doubtful. The possibility of loss is extremely high, but because of pending factors, recognition of a loss is deferred until a more exact status can be determined. All doubtful loans will be placed on non-accrual, with all payments, including principal and interest, applied to principal reduction. For term C&I and CRE loans greater than $1,000,000, a loan review is required within 15 months of the most recent credit review. The review is completed in enough detail to, at a minimum, validate the risk rating. Additionally, the review shall include an analysis of debt service requirements, covenant compliance, if applicable, and collateral adequacy. The frequency of the review is generally accelerated for loans with poor risk ratings. The Company’s Loan Quality area performs a documentation review of a sampling of C&I and CRE loans, the primary purpose of which is to ensure the credit is properly documented and closed in accordance with approval authorities and conditions. A review is also performed by the Company’s Internal Audit Department of a sampling of C&I and CRE loans for proper documentation, according to an approved schedule. Validation of the risk rating is also part of Internal Audit’s review (performed by Internal Loan Review). Additionally, over the past several years, the Company has contracted an independent outside third party to review a sampling of C&I and CRE loans. Validation of the risk rating is part of this review as well. The Company leases machinery and equipment to C&I customers under direct financing leases. All lease requests are subject to the credit requirements and criteria as set forth in the lending/leasing policy. In all cases, a formal independent credit analysis of the lessee is performed. Direct financing leases are included in the C&I – Other segment and allowance is established in the same manner as C&I loans. Generally, the Company’s residential real estate loans conform to the underwriting requirements of Freddie Mac and Fannie Mae to allow the subsidiary banks to resell loans in the secondary market. The subsidiary banks structure most loans that will not conform to those underwriting requirements as adjustable rate mortgages that mature or adjust in one The Company provides many types of installment and other consumer loans including motor vehicle, home improvement, home equity, signature loans and small personal credit lines. The Company’s lending policy addresses specific credit guidelines by consumer loan type. For residential real estate loans, and installment and other consumer loans, these large groups of smaller balance homogenous loans follow the same methodology as commercial loans in terms of evaluation of risk characteristics, other than these may not be risk rated due to homogenous nature. TDRs follow the same allowance methodology as described above for all loans. Once a loan is classified as a TDR, it will remain a TDR until the loan is paid off, charged off, moved to OREO or restructured into a new note without a concession. TDR status may also be removed if the TDR was restructured in a prior calendar year, is current, accruing interest and shows sustained performance. Allowance for Credit Losses on Off-Balance Sheet Exposures The Company estimates expected credit losses over the contractual term of the loan for the unfunded portion of the loan commitment that is not unconditionally cancellable by the Company. Management uses an estimated average utilization rate to determine the exposure of default. The allowance on unfunded commitments is calculated using probability of default and loss given default using the same segmentation and qualitative factors used for loans and leases. The allowance for OBS exposures is recorded in the Accrued Expenses and Other Liabilities section of the consolidated balance sheet. Allowance for Credit Losses on Held to Maturity Debt Securities The Company measures expected credit losses on held to maturity debt securities on a collective basis based on security type. The estimate of expected credit losses considers historical credit information from external sources. The Company’s held to maturity debt securities consist primarily of investment grade obligations of states and political subdivisions. Allowance for Credit Losses on Available for Sale Debt Securities ASU 2016-13 modifies the impairment model for available for sale debt securities. Available for sale debt securities in unrealized loss positions are evaluated for credit related loss at least quarterly. The decline in fair value of an available for sale debt security due to credit loss results in recording an ACL to the extent the fair value is less than the amortized cost basis. Declines in fair value that have not been recorded through an ACL, such as declines due to changes in market interest rates, are recorded through other comprehensive income, net of applicable taxes. Although these evaluations involve significant judgment, an unrealized loss in the fair value of a debt security is generally considered to not be related to credit when the fair value of the security is below the carrying value primarily due to changes in risk-free interest rates, there has not been significant deterioration in the financial condition of the issuer, and the Company does not intend to sell nor does it believe it will be required to sell the security before the recovery of its cost basis. The Company did not record an allowance for credit losses on AFS debt securities upon adoption of ASU 2016-13.
Risks and uncertainties	Risks and Uncertainties: On January 30, 2020, the World Health Organization declared the COVID-19 outbreak a “Public Health Emergency of International Concern” and on March 11, 2020, declared it to be a pandemic. Actions taken around the world to help mitigate the spread of COVID-19 include restrictions on travel, quarantines in certain areas, and forced closures for certain types of public places and businesses. COVID-19 and actions taken to mitigate the spread of it have had and are expected to continue to have an adverse impact on the economies and financial markets of many countries, including the geographical area in which the Company operates. On March 27, 2020, the CARES Act was enacted to, among other things, provide emergency assistance for individuals, families and businesses affected by the COVID-19 pandemic. Pending accounting developments In March 2020, the FASB issued ASU 2020-4, “ Reference Rate Reform
Pending accounting developments	Pending accounting developments In March 2020, the FASB issued ASU 2020-4, “ Reference Rate Reform

NOTE 1 - SUMMARY OF SIGNIFICA_3

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)	6 Months Ended
	Jun. 30, 2021
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
Schedule of accounting standards update and change in accounting principle	As Reported Pre- Impact of Under ASU 2016-13 ASU 2016-13 ASU 2016-13 Adoption Adoption Assets: Allowance for credit losses HTM securities $ 183 $ — $ 183 Loans*: C&I — 35,421 (35,421) C&I - revolving 2,982 — 2,982 C&I - other 29,130 — 29,130 CRE — 42,161 (42,161) CRE - owner occupied 8,696 — 8,696 CRE - non owner occupied 11,428 — 11,428 Construction & Land Development 11,999 — 11,999 Multi-family 5,836 — 5,836 Direct financing leases — 1,764 (1,764) 1-4 family real estate 5,042 — 5,042 Residential real estate — 3,732 (3,732) Consumer 1,161 1,298 (137) Allowance for credit losses on loans 76,274 84,376 (8,102) Liabilities: Allowance for credit losses on OBS credit exposures 9,117 — 9,117

NOTE 2 - INVESTMENT SECURITIES

NOTE 2 - INVESTMENT SECURITIES (Tables)	6 Months Ended
NOTE 2 - INVESTMENT SECURITIES (Tables)	Jun. 30, 2021
Notes Tables
Amortized cost and fair value of investment securities	Gross Gross Amortized Unrealized Unrealized Fair Cost* Gains (Losses) Value (dollars in thousands) June 30, 2021: Securities HTM: Municipal securities $ 472,283 $ 50,129 $ (20) $ 522,392 Other securities 1,050 — — 1,050 $ 473,333 $ 50,129 $ (20) $ 523,442 Securities AFS: U.S. govt. sponsored agency securities $ 14,310 $ 504 $ (144) $ 14,670 Residential mortgage-backed and related securities 102,625 4,094 (581) 106,138 Municipal securities 163,607 5,861 (148) 169,320 Asset-backed securities 30,707 1,072 — 31,779 Other securities 15,139 250 (10) 15,379 $ 326,388 $ 11,781 $ (883) $ 337,286 Gross Gross Amortized Unrealized Unrealized Fair Cost Gains (Losses) Value (dollars in thousands) December 31, 2020: Securities HTM: Municipal securities $ 475,115 $ 45,360 $ (248) $ 520,227 Other securities 1,050 — — 1,050 $ 476,165 $ 45,360 $ (248) $ 521,277 Securities AFS: U.S. govt. sponsored agency securities $ 14,936 $ 447 $ (47) $ 15,336 Residential mortgage-backed and related securities 127,670 5,510 (338) 132,842 Municipal securities 147,241 5,215 (48) 152,408 Asset-backed securities 39,663 1,111 (91) 40,683 Other securities 20,550 147 — 20,697 $ 350,060 $ 12,430 $ (524) $ 361,966
Securities have been in a continuous unrealized loss position	Less than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (dollars in thousands) June 30, 2021: Securities HTM: Municipal securities $ 14,440 $ (20) $ — $ — $ 14,440 $ (20) Securities AFS: U.S. govt. sponsored agency securities $ 3,067 $ (144) $ — $ — $ 3,067 $ (144) Residential mortgage-backed and related securities 26,967 (580) 153 (1) 27,120 (581) Municipal securities 13,608 (148) — — 13,608 (148) Other securities 4,207 (10) — — 4,207 (10) $ 47,849 $ (882) $ 153 $ (1) $ 48,002 $ (883) Less than 12 Months 12 Months or More Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses (dollars in thousands) December 31, 2020: Securities HTM: Municipal securities $ 8,407 $ (248) $ — $ — $ 8,407 $ (248) Securities AFS: U.S. govt. sponsored agency securities $ 3,199 $ (47) $ — $ — $ 3,199 $ (47) Residential mortgage-backed and related securities 37,549 (338) — — 37,549 (338) Municipal securities 10,110 (48) — — 10,110 (48) Asset-backed securities 6,884 (52) 9,945 (39) 16,829 (91) $ 57,742 $ (485) $ 9,945 $ (39) $ 67,687 $ (524)
Activity in allowance for credit losses	Three Months Ended June 30, 2021 Six Months Ended June 30, 2021 Municipal Other Municipal Other securities securities Total securities securities Total Allowance for credit losses: Beginning balance $ 173 $ 1 $ 174 $ — $ — $ — Impact of adopting ASU 2016-13 — — — 182 1 183 Provision for credit loss expense — — — (9) — (9) Balance, ending $ 173 $ 1 $ 174 $ 173 $ 1 $ 174
Realized gain (loss) on investments	Three Months Ended Six Months Ended June 30, 2021 June 30, 2020 June 30, 2021 June 30, 2020 (dollars in thousands) Proceeds from sales of securities $ 4,334 $ 6,327 $ 23,874 $ 6,327 Gross gains from sales of securities — 134 — 134 Gross losses from sales of securities (88) (69) (88) (69)
Investments classified by maturity date	Amortized Cost Fair Value (dollars in thousands) Securities HTM: Due in one year or less $ 2,882 $ 2,910 Due after one year through five years 29,592 30,281 Due after five years 440,859 490,251 $ 473,333 $ 523,442 Securities AFS: Due in one year or less $ 1,471 $ 1,492 Due after one year through five years 11,927 12,175 Due after five years 179,658 185,702 193,056 199,369 Residential mortgage-backed and related securities 102,625 106,139 Asset-backed securities 30,707 31,778 $ 326,388 $ 337,286
Schedule of investment in callable securities	Amortized Cost Fair Value (dollars in thousands) Securities HTM: Municipal securities $ 272,039 $ 283,607 Securities AFS: Municipal securities 158,149 163,595 Other securities 15,139 15,379 $ 173,288 $ 178,974

NOTE 3 - LOANS_LEASES RECEIVA_2

NOTE 3 - LOANS/LEASES RECEIVABLE (Tables)	6 Months Ended
NOTE 3 - LOANS/LEASES RECEIVABLE (Tables)	Jun. 30, 2021
Notes Tables
Composition of the loan/lease portfolio	June 30, 2021 (dollars in thousands) C&I: C&I - revolving $ 182,882 C&I - other * 1,505,384 1,688,266 CRE - owner occupied 427,734 CRE - non-owner occupied 618,879 Construction and land development 708,289 Multi-family 466,804 Direct financing leases 56,153 1-4 family real estate* 382,142 Consumer 69,438 4,417,705 Allowance for credit losses (78,894) $ 4,338,811 ** Direct financing leases: Net minimum lease payments to be received $ 61,781 Estimated unguaranteed residual values of leased assets 165 Unearned lease/residual income (5,793) 56,153 Plus deferred lease origination costs, net of fees 783 56,936 Less allowance for credit losses (1,976) $ 54,960 December 31, 2020 C&I loans* $ 1,726,723 CRE loans Owner-occupied CRE 496,471 Commercial construction, land development, and other land 541,455 Other non owner-occupied CRE 1,069,703 2,107,629 Direct financing leases 66,016 Residential real estate loans * 252,121 Installment and other consumer loans 91,302 4,243,791 Plus deferred loan/lease origination costs, net of fees 7,338 4,251,129 Less allowance (84,376) $ 4,166,753 ** Direct financing leases: Net minimum lease payments to be received $ 72,940 Estimated unguaranteed residual values of leased assets 239 Unearned lease/residual income (7,163) 66,016 Plus deferred lease origination costs, net of fees 1,072 67,088 Less allowance (1,764) $ 65,324 * Includes equipment financing agreements outstanding at m2, totaling $202.4 million and $171.5 million as of June 30, 2021 and December 31, 2020, respectively and PPP loans totaling $147.5 million and $273.1 million as of June 30, 2021 and December 31, 2020, respectively. Management performs an evaluation of the estimated unguaranteed residual values of leased assets on an annual basis, at a minimum. The evaluation consists of discussions with reputable and current vendors, which is combined with management's expertise and understanding of the current states of particular industries to determine informal valuations of the equipment. As necessary and where available, management will utilize valuations by independent appraisers. The majority of leases with residual values contain a lease options rider, which requires the lessee to pay the residual value directly, finance the payment of the residual value, or extend the lease term to pay the residual value. In these cases, the residual value is protected and the risk of loss is minimal. * Includes residential real estate loans held for sale totaling $4.5 million and $3.8 million as of June 30, 2021 and December 31, 2020, respectively.
Changes in accretable yield for acquired loans	Three months ended June 30, 2021 Six months ended June 30, 2021 PCI Performing PCI Performing Loans Loans Total Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ — $ (2,530) $ (2,530) $ — $ (3,139) $ (3,139) Accretion recognized — 341 341 — 950 950 Balance at the end of the period $ — $ (2,189) $ (2,189) $ — $ (2,189) $ (2,189) Three months ended June 30, 2020 Six months ended June 30, 2020 PCI Performing PCI Performing Loans Loans Total Loans Loans Total (dollars in thousands) Balance at the beginning of the period $ (59) $ (5,725) $ (5,784) $ (57) $ (6,378) $ (6,435) Reclassification of nonaccretable discount to accretable — — — (30) — (30) Accretion recognized 1 790 791 29 1,443 1,472 Balance at the end of the period $ (58) $ (4,935) $ (4,993) $ (58) $ (4,935) $ (4,993)
Aging of the loan/lease portfolio by classes of loans/leases	As of June 30, 2021 Accruing Past 30-59 Days 60-89 Days Due 90 Days or Nonaccrual Classes of Loans/Leases Current Past Due Past Due More Loans/Leases Total (dollars in thousands) C&I: C&I - revolving $ 182,882 $ — $ — $ — $ — $ 182,882 C&I - other 1,498,911 1,252 205 57 4,959 1,505,384 CRE - owner occupied 426,603 865 266 — — 427,734 CRE - non-owner occupied 618,483 — 396 — — 618,879 Construction and land development 708,214 — — — 75 708,289 Multi-family 466,804 — — — — 466,804 Direct financing leases 55,779 76 137 — 161 56,153 1-4 family real estate 378,314 228 631 — 2,969 382,142 Consumer 69,320 52 — — 66 69,438 $ 4,405,310 $ 2,473 $ 1,635 $ 57 $ 8,230 $ 4,417,705 As a percentage of total loan/lease portfolio 99.72 % 0.05 % 0.04 % 0.00 % 0.19 % 100.00 % As of December 31, 2020 Accruing Past 30-59 Days 60-89 Days Due 90 Days or Nonaccrual Classes of Loans/Leases Current Past Due Past Due More Loans/Leases Total (dollars in thousands) C&I $ 1,720,058 $ 1,535 $ 323 $ — $ 4,807 $ 1,726,723 CRE Owner-occupied CRE 496,459 — — — 12 496,471 Commercial construction, land development, and other land 541,455 — — — — 541,455 Other non-owner occupied CRE 1,062,215 — — — 7,488 1,069,703 Direct financing leases 64,918 501 191 — 406 66,016 Residential real estate 249,364 1,512 223 — 1,022 252,121 Installment and other consumer 91,047 43 4 3 205 91,302 $ 4,225,516 $ 3,591 $ 741 $ 3 $ 13,940 $ 4,243,791 As a percentage of total loan/lease portfolio 99.57 % 0.08 % 0.02 % 0.00 % 0.33 % 100.00 %
NPLs by classes of loans/leases	As of June 30, 2021 Accruing Past Nonaccrual Nonaccrual Due 90 Days or Loans/Leases Loans/Leases Percentage of Classes of Loans/Leases More with an ACL without an ACL Total NPLs Total NPLs (dollars in thousands) C&I: C&I - revolving $ — $ — $ — $ — - % C&I - other 57 4,736 223 5,016 60.52 CRE - owner occupied — — — — - CRE - non-owner occupied — — — — - Construction and land development — 75 — 75 0.91 Multi-family — — — — - Direct financing leases — 110 51 161 1.94 1-4 family real estate — 2,969 — 2,969 35.83 Consumer — 66 — 66 0.80 $ 57 $ 7,956 $ 274 $ 8,287 100.00 % As of December 31, 2020 Accruing Past Due 90 Days or Nonaccrual Percentage of Classes of Loans/Leases More Loans/Leases * Accruing TDRs Total NPLs Total NPLs (dollars in thousands) C&I $ — $ 4,807 $ 606 $ 5,413 36.87 % CRE Owner-occupied CRE — 12 — 12 0.08 % Commercial construction, land development, and other land — — — — - % Other non-owner occupied CRE — 7,488 — 7,488 50.99 % Direct financing leases — 406 135 541 3.68 % Residential real estate — 1,022 — 1,022 6.96 % Installment and other consumer 3 205 — 208 1.42 % $ 3 $ 13,940 $ 741 $ 14,684 100.00 % * Nonaccrual loans/leases included $984 thousand of TDRs, including $836 thousand in CRE loans, $100 thousand in direct financing leases, $48 thousand in installment loans.
Allowance for credit losses on financing receivables	Three Months Ended June 30, 2021 CRE CRE Construction Direct Residential 1-4 C&I - C&I - Owner Non-Owner and Land Multi- Financing Real Family C&I Revolving Other* CRE Occupied Occupied Development Family Leases Estate Real Estate Consumer Total (dollars in thousands) Balance, beginning $ — $ 3,547 $ 33,167 $ — $ 9,147 $ 11,155 $ 12,327 $ 6,278 $ — $ — $ 5,165 $ 1,045 $ 81,831 Provision — (370) (2) — (1,121) (376) 1,313 849 — — (105) (329) (141) Charge-offs — — (998) — — (1,876) — (150) — — (646) (4) (3,674) Recoveries — — 158 — (6) 8 — — — — 511 207 878 Balance, ending $ — $ 3,177 $ 32,325 $ — $ 8,020 $ 8,911 $ 13,640 $ 6,977 $ — $ — $ 4,925 $ 919 $ 78,894 Six Months Ended June 30, 2021 CRE - CRE - Construction Direct Residential C&I - C&I - Owner Non-Owner and Land Multi Financing Real 1-4 C&I Revolving Other** CRE Occupied Occupied Development Family Leases Estate Family Consumer Total (dollars in thousands) Balance, beginning $ 35,421 $ — $ — $ 42,161 $ — $ — $ — $ — $ 1,764 $ 3,732 $ — $ 1,298 $ 84,376 Adoption of ASU 2016-13 (35,421) 2,982 29,130 (42,161) 8,696 11,428 11,999 5,836 (1,764) (3,732) 5,042 (137) (8,102) Provision — 195 4,547 — (670) (662) 1,641 1,291 — — 56 (546) 5,852 Charge-offs — — (1,666) — — (1,876) — (150) — — (690) (5) (4,387) Recoveries — — 314 — (6) 21 — — — — 517 309 1,155 Balance, ending $ — $ 3,177 $ 32,325 $ — $ 8,020 $ 8,911 $ 13,640 $ 6,977 $ — $ — $ 4,925 $ 919 $ 78,894 * Included within the C&I – Other column are ACL on leases with a beginning balance of $2.2 million, negative provision of $144 thousand, charge-offs of $130 thousand and recoveries of $58 thousand. ACL on leases was $2.0 million as of June 30, 2021. ** Included within the C&I – Other column are ACL on leases with a beginning balance of $1.8 million, adoption impact of $685 thousand, negative provision of $279 thousand, charge-offs of $328 thousand and recoveries of $134 thousand. ACL on leases was $2.0 million as of June 30, 2021. Three Months Ended June 30, 2020 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Balance, beginning $ 18,151 $ 19,269 $ 1,303 $ 2,313 $ 1,197 $ 42,233 Provision 7,859 10,365 887 697 107 19,915 Charge-offs (340) (511) (595) — (4) (1,450) Recoveries 78 — 44 — 7 129 Balance, ending $ 25,748 $ 29,123 $ 1,639 $ 3,010 $ 1,307 $ 60,827 Six Months Ended June 30, 2020 Direct Financing Residential Real Installment and C&I CRE Leases Estate Other Consumer Total (dollars in thousands) Balance, beginning $ 16,072 $ 15,379 $ 1,464 $ 1,948 $ 1,138 $ 36,001 Provisions 11,556 14,181 1,281 1,033 231 28,282 Charge-offs (1,979) (511) (1,195) — (100) (3,785) Recoveries 99 74 89 29 38 329 Balance, ending $ 25,748 $ 29,123 $ 1,639 $ 3,010 $ 1,307 $ 60,827 As of June 30, 2021 Amortized Cost of Loans Receivable Allowance for Credit Losses Individually Collectively Individually Collectively Evaluated for Evaluated for Evaluated for Evaluated for Credit Losses Credit Losses Total Credit Losses Credit Losses Total (dollars in thousands) C&I : C&I – Revolving $ 2,725 $ 180,157 $ 182,882 $ 189 $ 2,988 $ 3,177 C&I - Other* 40,175 1,521,362 1,561,537 3,762 28,563 32,325 42,900 1,701,519 1,744,419 3,951 31,551 35,502 CRE - owner occupied 5,425 422,309 427,734 283 7,737 8,020 CRE - non-owner occupied 19,879 599,000 618,879 46 8,865 8,911 Construction and Land Development 10,553 697,736 708,289 12 13,628 13,640 Multi-family — 466,804 466,804 — 6,977 6,977 1-4 family real estate 4,683 377,459 382,142 491 4,434 4,925 Consumer 271 69,167 69,438 36 883 919 $ 83,711 $ 4,333,994 $ 4,417,705 $ 4,819 $ 74,075 $ 78,894
Impaired financing receivables	Interest Income Average Recognized for Recorded Unpaid Principal Related Recorded Interest Income Cash Payments Classes of Loans/Leases Investment Balance Allowance Investment Recognized Received (dollars in thousands) Impaired Loans/Leases with No Specific Allowance Recorded: C&I $ 1,978 $ 2,051 $ — $ 1,512 $ 25 $ 25 CRE Owner-occupied CRE 320 577 — 128 — — Commercial construction, land development, and other land — — — — — — Other non-owner occupied CRE 965 965 — 742 14 14 Direct financing leases 1,364 1,364 — 1,379 11 11 Residential real estate 624 652 — 474 — — Installment and other consumer 562 562 — 525 — — $ 5,813 $ 6,171 $ — $ 4,760 $ 50 $ 50 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 569 $ 569 $ 341 $ 479 $ — $ — CRE Owner-occupied CRE — — — — — — Commercial construction, land development, and other land — — — — — — Other non-owner occupied CRE 6,530 6,530 1,692 5,329 — — Direct financing leases 55 55 20 59 — — Residential real estate 260 260 23 206 — — Installment and other consumer 78 78 78 67 — — $ 7,492 $ 7,492 $ 2,154 $ 6,140 $ — $ — Total Impaired Loans/Leases: C&I $ 2,547 $ 2,620 $ 341 $ 1,991 $ 25 $ 25 CRE Owner-occupied CRE 320 577 — 128 — — Commercial construction, land development, and other land — — — — — — Other non-owner occupied CRE 7,495 7,495 1,692 6,071 14 14 Direct financing leases 1,419 1,419 20 1,438 11 11 Residential real estate 884 912 23 680 — — Installment and other consumer 640 640 78 592 — — $ 13,305 $ 13,663 $ 2,154 $ 10,900 $ 50 $ 50 Three Months Ended June 30, 2020 Interest Income Average Recognized for Recorded Interest Income Cash Payments Classes of Loans/Leases Investment Recognized Received Impaired Loans/Leases with No Specific Allowance Recorded: C&I $ 1,742 $ 13 $ 13 CRE Owner-Occupied CRE 174 — — Commercial Construction, Land Development, and Other Land — — — Other Non Owner-Occupied CRE 978 7 7 Direct Financing Leases 1,411 6 6 Residential Real Estate 524 — — Installment and Other Consumer 550 — — $ 5,379 $ 26 $ 26 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 568 $ — $ — CRE Owner-Occupied CRE — — — Commercial Construction, Land Development, and Other Land — — — Other Non Owner-Occupied CRE 6,560 — — Direct Financing Leases 57 — — Residential Real Estate 220 — — Installment and Other Consumer 70 — — $ 7,475 $ — $ — Total Impaired Loans/Leases: C&I $ 2,310 $ 13 $ 13 CRE Owner-Occupied CRE 174 — — Commercial Construction, Land Development, and Other Land — — — Other Non Owner-Occupied CRE 7,538 7 7 Direct Financing Leases 1,468 6 6 Residential Real Estate 744 — — Installment and Other Consumer 620 — — $ 12,854 $ 26 $ 26 December 31, 2020 Interest Income Average Recognized for Recorded Unpaid Principal Related Recorded Interest Income Cash Payments Classes of Loans/Leases Investment Balance Allowance Investment Recognized Received (dollars in thousands) Impaired Loans/Leases with No Specific Allowance Recorded: C&I $ 1,361 $ 1,441 $ — $ 1,002 $ 33 $ 33 CRE Owner-occupied CRE — — — — — — Commercial construction, land development, and other land — — — — — — Other non-owner occupied CRE 1,133 1,933 — 494 29 29 Direct financing leases 578 578 — 483 17 17 Residential real estate 719 719 — 476 — — Installment and other consumer 133 133 — 121 — — $ 3,924 $ 4,804 $ — $ 2,576 $ 79 $ 79 Impaired Loans/Leases with Specific Allowance Recorded: C&I $ 4,020 $ 4,020 $ 650 $ 1,555 $ — $ — CRE Owner-occupied CRE — — — — — — Commercial construction, land development, and other land — — — — — — Other non-owner occupied CRE 6,354 6,354 1,938 5,726 — — Direct financing leases — — — — — — Residential real estate 258 258 20 227 — — Installment and other consumer 72 72 72 70 — — $ 10,704 $ 10,704 $ 2,680 $ 7,578 $ — $ — Total Impaired Loans/Leases: C&I $ 5,381 $ 5,461 $ 650 $ 2,557 $ 33 $ 33 CRE Owner-occupied CRE — — — — — — Commercial construction, land development, and other land — — — — — — Other non-owner occupied CRE 7,487 8,287 1,938 6,220 29 29 Direct financing leases 578 578 — 483 17 17 Residential real estate 977 977 20 703 — — Installment and other consumer 205 205 72 191 — — $ 14,628 $ 15,508 $ 2,680 $ 10,154 $ 79 $ 79
Schedule of loans receivable by collateral type	As of June 30, 2021 Non Commercial Owner-Occupied Owner Occupied Assets Real Estate Real Estate Securities Equipment Other Total (dollars in thousands) C & I: C&I - Revolving $ 2,475 $ — $ — $ — $ 250 $ — $ 2,725 C&I - Other* 852 — 2,591 6,224 30,508 — 40,175 3,327 — 2,591 6,224 30,758 — 42,900 CRE - owner occupied — — 5,425 — — — 5,425 CRE - non-owner occupied — 19,879 — — — — 19,879 Construction and Land Development — 10,478 75 — — — 10,553 Multi-family — — — — — — — 1-4 Family Real Estate — 2,532 2,151 — — — 4,683 Consumer — — 248 — — 23 271 $ 3,327 $ 32,889 $ 10,490 $ 6,224 $ 30,758 $ 23 $ 83,711
Schedule of financing receivable credit quality indicators based on internally assigned Risk rating	As of June 30, 2021 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Internally Assigned Amortized Risk Rating 2021 2020 2019 2018 2017 Prior Cost Basis Total (dollars in thousands) C&I - revolving Pass (Ratings 1 through 5) $ — $ — $ — $ — $ — $ — $ 177,045 $ 177,045 Special Mention (Rating 6) — — — — — — 3,112 3,112 Substandard (Rating 7) — — — — — — 2,725 2,725 Doubtful (Rating 8) — — — — — — — — Total C&I - revolving $ — $ — $ — $ — $ — $ — $ 182,882 $ 182,882 C&I - other Pass (Ratings 1 through 5) $ 316,725 $ 437,339 $ 208,611 $ 125,116 $ 117,406 $ 56,478 $ — $ 1,261,675 Special Mention (Rating 6) 146 693 — 69 495 1,259 — 2,662 Substandard (Rating 7) 8,481 6,952 16,690 366 60 6,131 — 38,680 Doubtful (Rating 8) — — — — — — — — Total C&I - other $ 325,352 $ 444,984 $ 225,301 $ 125,551 $ 117,961 $ 63,868 $ — $ 1,303,017 CRE - owner occupied Pass (Ratings 1 through 5) $ 65,781 $ 159,219 $ 63,344 $ 32,677 $ 23,452 $ 64,232 $ 10,344 $ 419,049 Special Mention (Rating 6) 901 — 178 244 672 1,266 — 3,261 Substandard (Rating 7) 214 — 1,921 1,261 2,028 — — 5,424 Doubtful (Rating 8) — — — — — — — — Total CRE - owner occupied $ 66,896 $ 159,219 $ 65,443 $ 34,182 $ 26,152 $ 65,498 $ 10,344 $ 427,734 CRE - non-owner occupied Pass (Ratings 1 through 5) $ 81,897 $ 177,081 $ 91,579 $ 76,121 $ 72,401 $ 51,555 $ 6,570 $ 557,204 Special Mention (Rating 6) 5,019 8,617 1,846 15,288 4,201 5,673 1,151 41,795 Substandard (Rating 7) 419 — 17,000 499 957 — 1,005 19,880 Doubtful (Rating 8) — — — — — — — — Total CRE - non-owner occupied $ 87,335 $ 185,698 $ 110,425 $ 91,908 $ 77,559 $ 57,228 $ 8,726 $ 618,879 Construction and land development Pass (Ratings 1 through 5) $ 144,416 $ 231,399 $ 171,796 $ 117,381 $ 7,770 $ 2,613 $ 8,634 $ 684,009 Special Mention (Rating 6) — — — 593 — — — 593 Substandard (Rating 7) — — 10,478 — — — — 10,478 Doubtful (Rating 8) — — — — — — — — Total Construction and land development $ 144,416 $ 231,399 $ 182,274 $ 117,974 $ 7,770 $ 2,613 $ 8,634 $ 695,080 Multi-family Pass (Ratings 1 through 5) $ 125,743 $ 206,255 $ 66,161 $ 47,105 $ 7,420 $ 11,359 $ 2,761 $ 466,804 Special Mention (Rating 6) — — — — — — — — Substandard (Rating 7) — — — — — — — — Doubtful (Rating 8) — — — — — — — — Total Multi-family $ 125,743 $ 206,255 $ 66,161 $ 47,105 $ 7,420 $ 11,359 $ 2,761 $ 466,804 1-4 family real estate Pass (Ratings 1 through 5) $ 27,769 $ 33,721 $ 19,874 $ 12,928 $ 7,333 $ 8,990 $ 6,122 $ 116,737 Special Mention (Rating 6) 38 — — — 152 — — 190 Substandard (Rating 7) 2,532 — — — — — — 2,532 Doubtful (Rating 8) — — — — — — — — Total 1-4 family real estate $ 30,339 $ 33,721 $ 19,874 $ 12,928 $ 7,485 $ 8,990 $ 6,122 $ 119,459 Total $ 780,081 $ 1,261,276 $ 669,478 $ 429,648 $ 244,347 $ 209,556 $ 219,469 $ 3,813,855
Schedule of financing receivable credit quality indicators based on delinquency status	As of June 30, 2021 Term Loans Amortized Cost Basis by Origination Year Revolving Loans Amortized Delinquency Status * 2021 2020 2019 2018 2017 Prior Cost Basis Total (dollars in thousands) C&I - other Performing $ 63,299 $ 65,043 $ 43,563 $ 21,207 $ 7,542 $ 751 $ — $ 201,405 Nonperforming 69 290 423 72 85 23 — 962 Total C&I - other $ 63,368 $ 65,333 $ 43,986 $ 21,279 $ 7,627 $ 774 $ — $ 202,367 Direct financing leases Performing $ 4,358 $ 15,240 $ 15,002 $ 12,725 $ 6,349 $ 2,318 $ — $ 55,992 Nonperforming — — — 57 31 73 — 161 Total Direct financing leases $ 4,358 $ 15,240 $ 15,002 $ 12,782 $ 6,380 $ 2,391 $ — $ 56,153 Construction and land development Performing $ 3,111 $ 9,299 $ 213 $ 511 $ — $ — $ — $ 13,134 Nonperforming — — — — 75 — — 75 Total Construction and land development $ 3,111 $ 9,299 $ 213 $ 511 $ 75 $ — $ — $ 13,209 1-4 family real estate Performing $ 67,843 $ 86,487 $ 24,356 $ 13,340 $ 13,954 $ 56,239 $ 28 $ 262,247 Nonperforming — — 72 — — 364 — 436 Total 1-4 family real estate $ 67,843 $ 86,487 $ 24,428 $ 13,340 $ 13,954 $ 56,603 $ 28 $ 262,683 Consumer Performing $ 3,418 $ 6,882 $ 2,788 $ 2,321 $ 848 $ 3,034 $ 50,081 $ 69,372 Nonperforming 47 — — — 17 1 1 66 Total Consumer $ 3,465 $ 6,882 $ 2,788 $ 2,321 $ 865 $ 3,035 $ 50,082 $ 69,438 Total $ 142,145 $ 183,241 $ 86,417 $ 50,233 $ 28,901 $ 62,803 $ 50,110 $ 603,850
Financing receivable credit quality indicators	As of December 31, 2020 CRE Non-Owner Occupied Commercial Construction, Land Owner-Occupied Development, As a % of Internally Assigned Risk Rating C&I CRE and Other Land Other CRE Total Total (dollars in thousands) Pass (Ratings 1 through 5) $ 1,506,578 $ 488,478 $ 530,297 $ 999,931 $ 3,525,284 96.25 % Special Mention (Rating 6) 23,929 3,087 680 43,785 71,481 1.95 % Substandard (Rating 7) 24,710 4,906 10,478 25,987 66,081 1.80 % Doubtful (Rating 8) — — — — — — % $ 1,555,217 $ 496,471 $ 541,455 $ 1,069,703 $ 3,662,846 100.00 %
Financing receivable credit quality indicators performance status	As of December 31, 2020 Direct Financing Residential Real Installment and As a % of Delinquency Status * C&I Leases Estate Other Consumer Total Total (dollars in thousands) Performing $ 170,712 $ 65,475 $ 251,099 $ 91,094 $ 578,380 99.56 % Nonperforming 794 541 1,022 208 2,565 0.44 % $ 171,506 $ 66,016 $ 252,121 $ 91,302 $ 580,945 100.00 %
Number and recorded investment of TDRs, by type of concession	For the three months ended June 30, 2021 For the six months ended June 30, 2021 Pre- Post- Pre- Post- Number of Modification Modification Number of Modification Modification Loans/ Recorded Recorded Specific Loans/ Recorded Recorded Specific Classes of Loans/Leases Leases Investment Investment Allowance Leases Investment Investment Allowance (dollars in thousands) CONCESSION - Extension of Maturity Consumer 1 $ 2,532 $ 2,532 $ 182 1 $ 2,532 $ 2,532 $ 182 CONCESSION - Interest Rate Adjusted Below Market 1-4 Family 1 $ 54 $ 54 $ 6 1 $ 54 $ 54 $ 6 Consumer 1 13 13 1 1 13 13 1 2 $ 67 $ 67 $ 7 2 $ 67 $ 67 $ 7 TOTAL 3 $ 2,599 $ 2,599 $ 189 3 $ 2,599 $ 2,599 $ 189 For the three months ended June 30, 2020 For the six months ended June 30, 2020 Pre- Post- Pre- Post- Number of Modification Modification Number of Modification Modification Loans/ Recorded Recorded Specific Loans/ Recorded Recorded Specific Classes of Loans/Leases Leases Investment Investment Allowance Leases Investment Investment Allowance (dollars in thousands) CONCESSION - Significant Payment Delay C&I — $ — $ — $ — 2 $ 111 $ 111 $ — Direct Financing Leases 2 78 78 — 3 145 145 — 2 $ 78 $ 78 $ — 5 $ 256 $ 256 $ — TOTAL 2 $ 78 $ 78 $ — 5 $ 256 $ 256 $ —
Unfunded Loan Commitment
Notes Tables
Financing receivable credit quality indicators	Three Months Ended Six Months Ended June 30, 2021 June 30, 2020 June 30, 2021 June 30, 2020 (dollars in thousands) Balance, beginning $ 9,846 $ — $ — $ — Impact of adopting ASU 2016-13 — — 9,117 — Provisions charged to expense 141 — 870 — Balance, ending $ 9,987 $ — $ 9,987 $ —

NOTE 4 - DERIVATIVES AND HEDG_2

NOTE 4 - DERIVATIVES AND HEDGING ACTIVITIES (Tables)	6 Months Ended
NOTE 4 - DERIVATIVES AND HEDGING ACTIVITIES (Tables)	Jun. 30, 2021
Notes Tables
Summary of derivatives	June 30, 2021 December 31, 2020 (dollars in thousands) Assets: Interest rate caps - hedged $ 613 $ 259 Interest rate caps 158 67 Interest rate swaps - hedged 1,490 — Interest rate swaps 191,134 222,431 $ 193,395 $ 222,757 Liabilities: Interest rate swaps - hedged $ (4,958) $ (6,839) Interest rate swaps (191,134) (222,431) $ (196,092) $ (229,270)
Schedule of hedged interest rate swaps and non-hedged interest rate swaps are collateralized by investment securities with carrying values	June 30, 2021 December 31, 2020 (dollars in thousands) Cash $ 22,660 $ 45,719 U.S govt. sponsored agency securities 3,612 3,628 Municipal securities 85,895 85,937 Residential mortgage-backed and related securities 78,733 89,646 $ 190,900 $ 224,930
Interest rate cap
Notes Tables
Schedule of interest rate caps	Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Strike Rate June 30, 2021 December 31, 2020 (dollars in thousands) Deposits 1/1/2020 1/1/2023 Derivatives - Assets $ 25,000 1.75 % $ 3 $ 3 Deposits 1/1/2020 1/1/2023 Derivatives - Assets 50,000 1.57 8 5 Deposits 1/1/2020 1/1/2023 Derivatives - Assets 25,000 1.80 3 3 Deposits 1/1/2020 1/1/2024 Derivatives - Assets 25,000 1.75 35 15 Deposits 1/1/2020 1/1/2024 Derivatives - Assets 50,000 1.57 73 31 Deposits 1/1/2020 1/1/2024 Derivatives - Assets 25,000 1.80 37 15 Deposits 1/1/2020 1/1/2025 Derivatives - Assets 25,000 1.75 110 46 Deposits 1/1/2020 1/1/2025 Derivatives - Assets 50,000 1.57 229 94 Deposits 1/1/2020 1/1/2025 Derivatives - Assets 25,000 1.80 115 47 $ 300,000 $ 613 $ 259
Changes in the fair value of the underlying derivative contracts	Balance Sheet Fair Value as of Effective Date Maturity Date Location Notional Amount Strike Rate June 30, 2021 December 31, 2020 (dollars in thousands) 1/1/2020 1/1/2023 Derivatives - Assets $ 25,000 1.90 % $ 3 $ 2 2/1/2020 2/1/2024 Derivatives - Assets 25,000 1.90 35 15 3/1/2020 3/1/2025 Derivatives - Assets 25,000 1.90 120 50 $ 75,000 $ 158 $ 67
Interest rate swap
Notes Tables
Schedule of interest rate caps	Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Receive Rate Pay Rate June 30, 2021 December 31, 2020 (dollars in thousands) QCBT - Loans 7/1/2021 7/1/2031 Derivatives - Assets 35,000 1.40 % 2.81 % 351 N/A CRBT - Loans 7/1/2021 7/1/2031 Derivatives - Assets 50,000 1.40 % 2.81 % 502 N/A CSB - Loans 7/1/2021 7/1/2031 Derivatives - Assets 40,000 1.40 % 2.81 % 386 N/A SFCB - Loans 7/1/2021 7/1/2031 Derivatives - Assets 25,000 1.40 % 2.81 % 251 N/A $ 150,000 $ 1,490 $ N/A Balance Sheet Fair Value as of Hedged Item Effective Date Maturity Date Location Notional Amount Receive Rate Pay Rate June 30, 2021 December 31, 2020 (dollars in thousands) QCR Holdings Statutory Trust II 9/30/2018 9/30/2028 Derivatives - Liabilities 10,000 3.00 % 5.85 % (1,282) (1,767) QCR Holdings Statutory Trust III 9/30/2018 9/30/2028 Derivatives - Liabilities 8,000 3.00 % 5.85 % (1,025) (1,414) QCR Holdings Statutory Trust V 7/7/2018 7/7/2028 Derivatives - Liabilities 10,000 1.74 % 4.54 % (1,246) (1,721) Community National Statutory Trust II 9/20/2018 9/20/2028 Derivatives - Liabilities 3,000 2.30 % 5.17 % (383) (529) Community National Statutory Trust III 9/15//2018 9/15/2028 Derivatives - Liabilities 3,500 1.87 % 4.75 % (447) (616) Guaranty Bankshares Statutory Trust I 9/15/2018 9/15/2028 Derivatives - Liabilities 4,500 1.87 % 4.75 % (575) (792) $ 39,000 $ (4,958) $ (6,839)
Changes in the fair value of the underlying derivative contracts	June 30, 2021 December 31, 2020 Notional Amount Estimated Fair Value Notional Amount Estimated Fair Value (dollars in thousands) Non-Hedging Interest Rate Derivatives Assets: Interest rate swap contracts $ 3,149,265 $ 191,134 $ 1,539,602 $ 222,431 Non-Hedging Interest Rate Derivatives Liabilities: Interest rate swap contracts $ 3,149,265 $ 191,134 $ 1,539,602 $ 222,431

NOTE 5 - INCOME TAXES (Tables)

NOTE 5 - INCOME TAXES (Tables)	6 Months Ended
NOTE 5 - INCOME TAXES (Tables)	Jun. 30, 2021
Notes Tables
Reconciliation of the expected federal income tax expense	For the Three Months Ended June 30, For the Six Months Ended June 30, 2021 2020 2021 2020 % of % of % of % of Pretax Pretax Pretax Pretax Amount Income Amount Income Amount Income Amount Income (dollars in thousands) Computed "expected" tax expense $ 5,699 21.0 % $ 3,472 21.0 % $ 10,219 21.0 % $ 6,226 21.0 % Tax exempt income, net (1,802) (6.6) (1,247) (7.5) (3,521) (7.2) (2,472) (8.3) Bank-owned life insurance (95) (0.4) (115) (0.7) (194) (0.4) (170) (0.6) State income taxes, net of federal benefit, current year 1,247 4.6 776 4.7 2,271 4.7 1,453 4.9 Tax credits (57) (0.2) (116) (0.7) (114) (0.2) (232) (0.8) Excess tax benefit on stock options exercised and restricted stock awards vested (40) (0.1) 2 — (204) (0.4) (262) (0.9) Other (164) (0.6) 26 0.1 (128) (0.3) 139 0.5 Federal and state income tax expense $ 4,788 17.6 % $ 2,798 16.9 % $ 8,329 17.2 % $ 4,682 15.8 %

NOTE 6 - EARNINGS PER SHARE (Ta

NOTE 6 - EARNINGS PER SHARE (Tables)	6 Months Ended
NOTE 6 - EARNINGS PER SHARE (Tables)	Jun. 30, 2021
Earnings per Share
Schedule of computation of earnings per share on a basic and diluted basis	Three months ended Six months ended June 30, June 30, 2021 2020 2021 2020 (dollars in thousands, except share data) Net income $ 22,349 $ 13,739 $ 40,331 $ 24,967 Basic EPS $ 1.41 $ 0.87 $ 2.55 $ 1.58 Diluted EPS $ 1.39 $ 0.86 $ 2.52 $ 1.56 Weighted average common shares outstanding 15,813,932 15,747,056 15,808,788 15,771,926 Weighted average common shares issuable upon exercise of stock options and under the employee stock purchase plan 231,307 148,280 226,606 185,032 Weighted average common and common equivalent shares outstanding 16,045,239 15,895,336 16,035,394 15,956,958

NOTE 7 - FAIR VALUE (Tables)

NOTE 7 - FAIR VALUE (Tables)	6 Months Ended
NOTE 7 - FAIR VALUE (Tables)	Jun. 30, 2021
Notes Tables
Schedule of assets measured at fair value	Fair Value Measurements at Reporting Date Using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Fair Value (Level 1) (Level 2) (Level 3) (dollars in thousands) June 30, 2021: Securities AFS: U.S. govt. sponsored agency securities $ 14,670 $ — $ 14,670 $ — Residential mortgage-backed and related securities 106,138 — 106,138 — Municipal securities 169,320 — 169,320 — Asset-backed securities 31,779 — 31,779 — Other securities 15,379 — 15,379 — Derivatives 193,395 — 193,395 — Total assets measured at fair value $ 530,681 $ — $ 530,681 $ — Derivatives $ 196,092 $ — $ 196,092 $ — Total liabilities measured at fair value $ 196,092 $ — $ 196,092 $ — December 31, 2020: Securities AFS: U.S. govt. sponsored agency securities $ 15,336 $ — $ 15,336 $ — Residential mortgage-backed and related securities 132,842 — 132,842 — Municipal securities 152,408 — 152,408 — Asset-backed securities 40,683 — 40,683 — Other securities 20,697 — 20,697 — Derivatives 222,757 — 222,757 — Total assets measured at fair value $ 584,723 $ — $ 584,723 $ — Derivatives $ 229,270 $ — $ 229,270 $ — Total liabilities measured at fair value $ 229,270 $ — $ 229,270 $ — Fair Value Measurements at Reporting Date Using Quoted Prices Significant in Active Other Significant Markets for Observable Unobservable Identical Assets Inputs Inputs Fair Value Level 1 Level 2 Level 3 (dollars in thousands) June 30, 2021: Loans/leases evaluated individually $ 85,276 $ — $ — $ 85,276 OREO 1,966 — — 1,966 $ 87,242 $ — $ — $ 87,242 December 31, 2020: Loans/leases evaluated individually $ 9,926 $ — $ — $ 9,926 OREO 22 — — 22 $ 9,948 $ — $ — $ 9,948
Schedule of assets measured at fair value, valuation techniques	Quantitative Information about Level Fair Value Measurements Fair Value Fair Value June 30, December 31, 2021 2020 Valuation Technique Unobservable Input Range (dollars in thousands) Loans/leases evaluated individually $ 85,276 $ 9,926 Appraisal of collateral Appraisal adjustments -10.00 % to -30.00 % OREO 1,966 22 Appraisal of collateral Appraisal adjustments 0.00 % to -35.00 %
Schedule of assets and liabilities measured at fair value	Fair Value As of June 30, 2021 As of December 31, 2020 Hierarchy Carrying Estimated Carrying Estimated Level Value Fair Value Value Fair Value (dollars in thousands) Cash and due from banks Level 1 $ 55,598 $ 55,598 $ 61,329 $ 61,329 Federal funds sold Level 2 1,340 1,340 9,080 9,080 Interest-bearing deposits at financial institutions Level 2 87,440 87,440 86,596 86,596 Investment securities: HTM Level 2 473,159 523,442 476,165 521,277 AFS Level 2 337,286 337,286 361,966 361,966 Loans/leases receivable, net Level 3 78,959 85,276 9,191 9,926 Loans/leases receivable, net Level 2 4,259,852 4,174,761 4,157,562 4,112,735 Derivatives Level 2 193,395 193,395 222,757 222,757 Deposits: Nonmaturity deposits Level 2 4,232,439 4,232,439 4,138,478 4,138,478 Time deposits Level 2 456,496 453,483 460,659 465,681 Short-term borrowings Level 2 7,070 7,070 5,430 5,430 FHLB advances Level 2 40,000 39,996 15,000 14,998 Subordinated notes Level 2 113,771 116,441 118,691 112,406 Junior subordinated debentures Level 2 38,067 30,799 37,993 30,618 Derivatives Level 2 196,092 196,092 229,270 229,270

NOTE 8 - BUSINESS SEGMENT INF_2

NOTE 8 - BUSINESS SEGMENT INFORMATION (Tables)	6 Months Ended
NOTE 8 - BUSINESS SEGMENT INFORMATION (Tables)	Jun. 30, 2021
Notes Tables
Schedule of business segment information	Commercial Banking Intercompany Consolidated QCBT CRBT CSB SFCB All other Eliminations Total (dollars in thousands) Three Months Ended June 30, 2021 Total revenue $ 21,676 $ 26,498 $ 10,809 $ 9,181 $ 137 $ (102) $ 68,199 Net interest income 16,152 14,005 8,672 6,479 (2,119) 327 43,516 Provision for credit losses 136 (692) 756 (200) — — — Net income (loss) from continuing operations 8,679 11,145 3,109 3,685 22,320 (26,589) 22,349 Goodwill 3,223 14,980 9,888 45,975 — — 74,066 Intangibles — 1,946 2,979 5,440 — — 10,365 Total assets 2,059,634 1,913,761 1,079,930 850,067 81,076 (179,303) 5,805,165 Three Months Ended June 30, 2020 Total revenue $ 21,712 $ 35,505 $ 9,853 $ 9,533 $ 18,461 $ (17,788) $ 77,276 Net interest income 15,653 12,820 7,538 6,201 (1,509) 245 40,948 Provision for loan/lease losses 7,539 7,160 2,811 2,405 — — 19,915 Net income (loss) from continuing operations 3,999 11,043 569 1,899 13,650 (17,421) 13,739 Goodwill 3,223 14,980 9,888 45,975 182 — 74,248 Intangibles — 2,437 3,643 6,344 1,448 — 13,872 Total assets 1,984,245 2,021,043 903,648 745,470 715,740 (765,385) 5,604,761 Six Months Ended June 30, 2021 Total revenue $ 42,960 $ 56,855 $ 21,232 $ 17,927 $ 503 $ (224) $ 139,253 Net interest income 31,938 27,611 17,040 12,548 (4,221) 575 85,491 Provision for loan/lease losses 2,248 1,492 2,122 851 — — 6,713 Net income (loss) 15,843 22,541 5,171 5,954 40,268 (49,446) 40,331 Goodwill 3,223 14,980 9,888 45,975 — — 74,066 Intangibles — 1,946 2,979 5,440 — — 10,365 Total assets 2,059,634 1,913,761 1,079,930 850,067 81,076 (179,303) 5,805,165 Six Months Ended June 30, 2020 Total revenue $ 43,399 $ 58,384 $ 20,074 $ 18,224 $ 34,875 $ (33,502) $ 141,454 Net interest income 30,080 24,206 15,038 11,843 (2,998) 477 78,646 Provision for loan/lease losses 10,722 9,410 4,775 3,375 — — 28,282 Net income (loss) from continuing operations 9,723 17,504 1,635 4,105 24,674 (32,674) 24,967 Goodwill 3,223 14,980 9,888 45,975 182 — 74,248 Intangibles — 2,437 3,643 6,344 1,448 — 13,872 Total assets 1,984,245 2,021,043 903,648 745,470 715,740 (765,385) 5,604,761

NOTE 9 - REGULATORY CAPITAL R_2

NOTE 9 - REGULATORY CAPITAL REQUIREMENTS (Tables)	6 Months Ended
NOTE 9 - REGULATORY CAPITAL REQUIREMENTS (Tables)	Jun. 30, 2021
Notes Tables
Schedule of the company and the subsidiary banks actual capital amounts and ratios	For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio As of June 30, 2021: Company: Total risk-based capital $ 760,593 14.72 % $ 413,445 > 8.00 % $ 542,647 > 10.50 % $ 516,806 > 10.00 % Tier 1 risk-based capital 581,919 11.26 310,084 > 6.00 439,285 > 8.50 413,445 > 8.00 Tier 1 leverage 581,919 10.29 226,250 > 4.00 226,250 > 4.00 282,812 > 5.00 Common equity Tier 1 543,852 10.52 232,563 > 4.50 361,764 > 7.00 335,924 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 228,180 13.15 % $ 138,799 > 8.00 % $ 182,174 > 10.50 % $ 173,499 > 10.00 % Tier 1 risk-based capital 206,355 11.89 104,099 > 6.00 147,474 > 8.50 138,799 > 8.00 Tier 1 leverage 206,355 9.75 84,699 > 4.00 84,699 > 4.00 105,874 > 5.00 Common equity Tier 1 206,355 11.89 78,075 > 4.50 121,449 > 7.00 112,774 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 243,211 13.86 % $ 140,431 > 8.00 % $ 184,316 > 10.50 % $ 175,539 > 10.00 % Tier 1 risk-based capital 221,202 12.60 105,323 > 6.00 149,208 > 8.50 140,431 > 8.00 Tier 1 leverage 221,202 11.95 74,072 > 4.00 74,072 > 4.00 92,590 > 5.00 Common equity Tier 1 221,202 12.60 78,992 > 4.50 122,877 > 7.00 114,100 > 6.50 Community State Bank: Total risk-based capital $ 114,512 11.99 % $ 76,389 > 8.00 % $ 100,261 > 10.50 % $ 95,487 > 10.00 % Tier 1 risk-based capital 102,521 10.74 57,292 > 6.00 81,164 > 8.50 76,389 > 8.00 Tier 1 leverage 102,521 9.78 41,943 > 4.00 41,943 > 4.00 52,429 > 5.00 Common equity Tier 1 102,521 10.74 42,969 > 4.50 66,841 > 7.00 62,066 > 6.50 Springfield First Community Bank: Total risk-based capital $ 91,663 12.60 % $ 58,189 > 8.00 % $ 76,373 > 10.50 % $ 72,736 > 10.00 % Tier 1 risk-based capital 82,554 11.35 43,641 > 6.00 61,825 > 8.50 58,189 > 8.00 Tier 1 leverage 82,554 10.53 31,351 > 4.00 31,351 > 4.00 39,189 > 5.00 Common equity Tier 1 82,554 11.35 32,731 > 4.50 50,915 > 7.00 47,278 > 6.50 For Capital To Be Well Adequacy Purposes Capitalized Under For Capital With Capital Prompt Corrective Actual Adequacy Purposes Conservation Buffer Action Provisions Amount Ratio Amount Ratio Amount Ratio Amount Ratio As of December 31, 2020: Company: Total risk-based capital $ 721,004 14.95 % $ 385,832 > 8.00 % $ 506,404 > 10.50 % $ 482,290 > 10.00 % Tier 1 risk-based capital 546,729 11.34 289,374 > 6.00 409,946 > 8.50 385,832 > 8.00 Tier 1 leverage 546,729 9.49 230,345 > 4.00 230,345 > 4.00 287,931 > 5.00 Common equity Tier 1 508,736 10.55 217,030 > 4.50 337,603 > 7.00 313,488 > 6.50 Quad City Bank & Trust: Total risk-based capital $ 213,608 12.24 % $ 139,581 > 8.00 % $ 183,200 > 10.50 % $ 174,477 > 10.00 % Tier 1 risk-based capital 191,693 10.99 104,686 > 6.00 148,305 > 8.50 139,581 > 8.00 Tier 1 leverage 191,693 8.48 90,430 > 4.00 90,430 > 4.00 113,038 > 5.00 Common equity Tier 1 191,693 10.99 78,514 > 4.50 122,134 > 7.00 113,410 > 6.50 Cedar Rapids Bank & Trust: Total risk-based capital $ 217,227 13.14 % $ 132,269 > 8.00 % $ 173,603 > 10.50 % $ 165,336 > 10.00 % Tier 1 risk-based capital 196,438 11.88 99,202 > 6.00 140,536 > 8.50 132,269 > 8.00 Tier 1 leverage 196,438 10.01 78,535 > 4.00 78,535 > 4.00 98,169 > 5.00 Common equity Tier 1 196,438 11.88 74,401 > 4.50 115,735 > 7.00 107,469 > 6.50 Community State Bank: Total risk-based capital $ 108,040 12.69 % $ 68,117 > 8.00 % $ 89,404 > 10.50 % $ 85,146 > 10.00 % Tier 1 risk-based capital 97,350 11.43 51,088 > 6.00 72,374 > 8.50 68,117 > 8.00 Tier 1 leverage 97,350 10.27 37,930 > 4.00 37,930 > 4.00 47,412 > 5.00 Common equity Tier 1 97,350 11.43 38,316 > 4.50 59,602 > 7.00 55,345 > 6.50 Springfield First Community Bank: Total risk-based capital $ 90,334 14.35 % $ 50,357 > 8.00 % $ 66,094 > 10.50 % $ 62,947 > 10.00 % Tier 1 risk-based capital 77,668 12.34 37,768 > 6.00 53,505 > 8.50 50,357 > 8.00 Tier 1 leverage 77,668 10.87 28,575 > 4.00 28,575 > 4.00 35,719 > 5.00 Common equity Tier 1 77,668 12.34 28,326 > 4.50 44,063 > 7.00 40,915 > 6.50

NOTE 1 - SUMMARY OF SIGNIFICA_4

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Details)	6 Months Ended
	Jun. 30, 2021USD ($)subsidiarysegment	Mar. 31, 2021USD ($)	Jan. 01, 2021USD ($)	Dec. 31, 2020USD ($)	Jun. 30, 2020USD ($)	Mar. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Retained earnings	$ 335,424,000			$ 300,804,000
Less allowance	78,894,000	$ 81,831,000	$ 84,376,000	84,376,000	$ 60,827,000	$ 42,233,000	$ 36,001,000
Debt Securities, Held-to-maturity, Allowance for Credit Loss	$ 174,000	174,000
Number of subsidiaries commercial banks \| subsidiary	4
Number of portfolio segments \| segment	8
Number of years borrower classified to special mention class	1 year
Lending Threshold Requiring Additional Loan Review	$ 1,000,000
Other Assets
Accrued investment income receivable	17,000,000
Cumulative Effect, Period of Adoption, Adjustment [Member]
Less allowance			(8,102,000)
Debt Securities, Held-to-maturity, Allowance for Credit Loss			183,000
Off-Balance Sheet, Credit Loss, Liability			9,117,000
Accounting Standards Update 2016-13
Retained earnings		$ 937,000
Less allowance	(8,102,000)
Debt Securities, Held-to-maturity, Allowance for Credit Loss	$ 183,000
Accounting Standards Update 2016-13 \| Cumulative Effect, Period of Adoption, Adjustment [Member]
Retained earnings			937,000
Less allowance			(8,100,000)
Debt Securities, Held-to-maturity, Allowance for Credit Loss			183,000
Off-Balance Sheet, Credit Loss, Liability			9,100,000
Subsidiaries [Member] \| Fixed Rate Residential Mortgage [Member]
Financing receivable, term	15 years
Commercial Portfolio Segment [Member]
Less allowance	$ 35,502,000		35,421,000	35,421,000	$ 25,748,000	$ 18,151,000	$ 16,072,000
Commercial Portfolio Segment [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member]
Less allowance			$ (35,421,000)
Commercial Portfolio Segment [Member] \| Accounting Standards Update 2016-13
Less allowance				$ (35,421,000)
Minimum
Minimum number of months of repayment performance to restore to accrual status, monthly payment loans	6 months
Residual Value Percent of Cost	3.00%
Minimum \| Subsidiaries [Member] \| Adjustable Rate Residential Mortgage [Member]
Financing receivable, term	1 year
Minimum \| Commercial Portfolio Segment [Member] \| Term Loan [Member]
Financing receivable, average term	3 years
Maximum
Minimum number of years of repayment performance to restore to accrual status, quarterly or semi-monthly payment loans	1 year
Residual Value Percent of Cost	25.00%
Maximum \| Subsidiaries [Member] \| Adjustable Rate Residential Mortgage [Member]
Financing receivable, term	5 years
Maximum \| Low Income Housing Tax Credit Permanent Loans [Member]
Financing receivable, term	20 years
Maximum \| Lines Of Credit [Member]
Financing receivable, term	365 days
Maximum \| Commercial Portfolio Segment [Member] \| Term Loan [Member]
Financing receivable, term	7 years
Financing receivable, average term	5 years

NOTE 1 - SUMMARY OF SIGNIFICA_5

NOTE 1 - SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES - Impact of ASU 2016-13 (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Mar. 31, 2021	Jan. 01, 2021	Dec. 31, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Debt Securities, Held-to-maturity, Allowance for Credit Loss	$ 174	$ 174
Less allowance for estimated losses on loans/leases	78,894	81,831	$ 84,376	$ 84,376	$ 60,827	$ 42,233	$ 36,001
Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Debt Securities, Held-to-maturity, Allowance for Credit Loss			183
Less allowance for estimated losses on loans/leases			76,274
Off-Balance Sheet, Credit Loss, Liability			9,117
Cumulative Effect, Period of Adoption, Adjustment [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Debt Securities, Held-to-maturity, Allowance for Credit Loss			183
Less allowance for estimated losses on loans/leases			(8,102)
Off-Balance Sheet, Credit Loss, Liability			9,117
Commercial Portfolio Segment [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases	35,502		35,421	35,421	25,748	18,151	16,072
Commercial Portfolio Segment [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			(35,421)
Commercial Real Estate Portfolio Segment [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			42,161	42,161	29,123	19,269	15,379
Commercial Real Estate Portfolio Segment [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			(42,161)
Construction and Land Development [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases	13,640
Multi-family
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases	6,977	6,278
Multi-family \| Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			5,836
Multi-family \| Cumulative Effect, Period of Adoption, Adjustment [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			5,836
Direct financing leases
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases	1,976		1,764	1,764	1,639	1,303	1,464
Direct financing leases \| Cumulative Effect, Period of Adoption, Adjustment [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			(1,764)
1-4 family real estate
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases	4,925	5,165
1-4 family real estate \| Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			5,042
1-4 family real estate \| Cumulative Effect, Period of Adoption, Adjustment [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			5,042
Residential real estate
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			3,732	3,732	3,010	2,313	1,948
Residential real estate \| Cumulative Effect, Period of Adoption, Adjustment [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			(3,732)
Consumer
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases	919	1,045	1,298	1,298
Consumer \| Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			1,161
Consumer \| Cumulative Effect, Period of Adoption, Adjustment [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			(137)
Installment and other consumer loans
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases					$ 1,307	$ 1,197	$ 1,138
C&I - revolving \| Commercial Portfolio Segment [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases	3,177	3,547
C&I - revolving \| Commercial Portfolio Segment [Member] \| Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			2,982
C&I - revolving \| Commercial Portfolio Segment [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			2,982
C&I - other \| Commercial Portfolio Segment [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases	32,325	33,167
C&I - other \| Commercial Portfolio Segment [Member] \| Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			29,130
C&I - other \| Commercial Portfolio Segment [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			29,130
C&I - other \| Direct financing leases
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases	685	2,200		$ 1,800
CRE - owner occupied \| Commercial Real Estate Portfolio Segment [Member] \| Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			8,696
CRE - owner occupied \| Commercial Real Estate Portfolio Segment [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			8,696
CRE - non owner occupied \| Commercial Real Estate Portfolio Segment [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases	8,911	11,155
CRE - non owner occupied \| Commercial Real Estate Portfolio Segment [Member] \| Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			11,428
CRE - non owner occupied \| Commercial Real Estate Portfolio Segment [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			11,428
Construction Loans [Member] \| Construction and Land Development [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases	$ 13,640	$ 12,327
Construction Loans [Member] \| Construction and Land Development [Member] \| Cumulative Effect, Period of Adoption, Adjusted Balance [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			11,999
Construction Loans [Member] \| Construction and Land Development [Member] \| Cumulative Effect, Period of Adoption, Adjustment [Member]
New Accounting Pronouncements or Change in Accounting Principle [Line Items]
Less allowance for estimated losses on loans/leases			$ 11,999

NOTE 2 - INVESTMENT SECURITIE_2

NOTE 2 - INVESTMENT SECURITIES (Details) $ in Thousands	3 Months Ended		6 Months Ended
NOTE 2 - INVESTMENT SECURITIES (Details) $ in Thousands	Jun. 30, 2021USD ($)itemissuerstate	Jun. 30, 2020USD ($)	Jun. 30, 2021USD ($)itemissuerstate	Jun. 30, 2020USD ($)	Dec. 31, 2020USD ($)stateissueritem
Number of securities \| item	630		630
Available-for-sale, unrealized loss positions, qualitative disclosure, number of positions \| item	44		44
Aggregate losses of securities (as a percent)	0.11%		0.11%
Available-for-sale, unrealized loss positions, qualitative disclosure, number of positions, greater than or equal to one year \| item	4		4
Sale of securities \| $	$ 4,334	$ 6,327	$ 23,874	$ 6,327
Gain on sale \| $		$ 134		$ 134
Number Of Charters Owning Municipal Securities \| item			4
Revenue Bonds
Number of issuers \| issuer	2		2		2
Percentage threshold	5.00%		5.00%		5.00%
Municipal securities \| General Obligation Bonds
Number of issuers \| item	117		117		117
Other investments \| $	$ 116,600		$ 116,600		$ 116,700
Number of states holding investments \| state	21		21		21
Municipal securities \| General Obligation Bonds \| Minimum
Other investments \| $	$ 5,000		$ 5,000		$ 5,000
Municipal securities \| General Obligation Bonds \| Aggregate Fair Value Exceeding 5 Million [Member]
Number of states holding investments \| state	8		8		8
Municipal securities \| Revenue Bonds
Number of issuers \| item	175		175		191
Other investments \| $	$ 575,100		$ 575,100		$ 555,900
Number of states holding investments	25		25		26
Municipal securities \| Revenue Bonds \| Minimum
Other investments \| $	$ 5,000		$ 5,000		$ 5,000
Municipal securities \| Revenue Bonds \| Aggregate Fair Value Exceeding 5 Million [Member]
Number of states holding investments	13		13		12

NOTE 2 - INVESTMENT SECURITIE_3

NOTE 2 - INVESTMENT SECURITIES - Amortized Cost and Fair Value of Investment Securities (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Mar. 31, 2021	Dec. 31, 2020
Securities held to maturity:
Securities held to maturity, at amortized cost	$ 473,333		$ 476,165
Securities held to maturity, gross unrealized gains	50,129		45,360
Securities held to maturity, gross unrealized (losses)	(20)		(248)
Securities held to maturity, fair value	523,442		521,277
Securities held to maturity, at amortized cost, net of allowance for credit losses	473,159		476,165
Allowance for credit losses HTM securities	174	$ 174
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	326,388		350,060
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	11,781		12,430
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(883)		(524)
Debt Securities, Available-for-sale	337,286		361,966
Municipal securities.
Securities held to maturity:
Securities held to maturity, at amortized cost	472,283		475,115
Securities held to maturity, gross unrealized gains	50,129		45,360
Securities held to maturity, gross unrealized (losses)	(20)		(248)
Securities held to maturity, fair value	522,392		520,227
Allowance for credit losses HTM securities	173	173
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	163,607		147,241
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	5,861		5,215
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(148)		(48)
Debt Securities, Available-for-sale	169,320		152,408
U.S. govt. sponsored agency securities
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	14,310		14,936
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	504		447
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(144)		(47)
Debt Securities, Available-for-sale	14,670		15,336
Residential mortgage-backed and related securities
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	102,625		127,670
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	4,094		5,510
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(581)		(338)
Debt Securities, Available-for-sale	106,138		132,842
Asset-backed securities
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	30,707		39,663
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	1,072		1,111
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax			(91)
Debt Securities, Available-for-sale	31,779		40,683
Other Securities
Securities held to maturity:
Securities held to maturity, at amortized cost	1,050		1,050
Securities held to maturity, fair value	1,050		1,050
Allowance for credit losses HTM securities	1	$ 1
Securities available for sale:
Debt Securities, Available-for-sale, Amortized Cost	15,139		20,550
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax	250		147
Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax	(10)
Debt Securities, Available-for-sale	$ 15,379		$ 20,697

NOTE 2 - INVESTMENT SECURITIE_4

NOTE 2 - INVESTMENT SECURITIES - Securities in a Continuous Unrealized Loss Position (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Securities available for sale:
Securities available for sale, less than 12 months, fair value	$ 47,849	$ 57,742
Securities available for sale, less than 12 months, gross unrealized losses	(882)	(485)
Securities available for sale, 12 months or more, fair value	153	9,945
Securities available for sale, 12 months or more, gross unrealized losses	(1)	(39)
Securities available for sale, fair value	48,002	67,687
Securities available for sale, gross unrealized losses	(883)	(524)
Municipal securities.
Securities held to maturity:
Securities held to maturity, less than 12 months, fair value	14,440	8,407
Securities held to maturity, less than 12 months, gross unrealized losses	(20)	(248)
Securities held to maturity, fair value	14,440	8,407
Securities held to maturity, gross unrealized losses	(20)	(248)
Securities available for sale:
Securities available for sale, less than 12 months, fair value	13,608	10,110
Securities available for sale, less than 12 months, gross unrealized losses	(148)	(48)
Securities available for sale, fair value	13,608	10,110
Securities available for sale, gross unrealized losses	(148)	(48)
U.S. govt. sponsored agency securities
Securities available for sale:
Securities available for sale, less than 12 months, fair value	3,067	3,199
Securities available for sale, less than 12 months, gross unrealized losses	(144)	(47)
Securities available for sale, fair value	3,067	3,199
Securities available for sale, gross unrealized losses	(144)	(47)
Residential mortgage-backed and related securities
Securities available for sale:
Securities available for sale, less than 12 months, fair value	26,967	37,549
Securities available for sale, less than 12 months, gross unrealized losses	(580)	(338)
Securities available for sale, 12 months or more, fair value	153
Securities available for sale, 12 months or more, gross unrealized losses	(1)
Securities available for sale, fair value	27,120	37,549
Securities available for sale, gross unrealized losses	(581)	(338)
Asset-backed securities
Securities available for sale:
Securities available for sale, less than 12 months, fair value		6,884
Securities available for sale, less than 12 months, gross unrealized losses		(52)
Securities available for sale, 12 months or more, fair value		9,945
Securities available for sale, 12 months or more, gross unrealized losses		(39)
Securities available for sale, fair value		16,829
Securities available for sale, gross unrealized losses		$ (91)
Other Securities
Securities available for sale:
Securities available for sale, less than 12 months, fair value	4,207
Securities available for sale, less than 12 months, gross unrealized losses	(10)
Securities available for sale, fair value	4,207
Securities available for sale, gross unrealized losses	$ (10)

NOTE 2 - INVESTMENT SECURITIE_5

NOTE 2 - INVESTMENT SECURITIES - Activity in Allowance for Credit Losses (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2021USD ($)
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Provision for credit loss expense	$ (9)
Balance, ending	174
Accounting Standards Update 2016-13
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Balance, ending	183
Municipal securities.
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Provision for credit loss expense	(9)
Balance, ending	173
Municipal securities. \| Accounting Standards Update 2016-13
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Balance, ending	182
Other Securities
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Balance, ending	1
Other Securities \| Accounting Standards Update 2016-13
Debt Securities, Held-to-maturity, Allowance for Credit Loss [Roll Forward]
Balance, ending	$ 1

NOTE 2 - INVESTMENT SECURITIE_6

NOTE 2 - INVESTMENT SECURITIES - Sales of Securities (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
INVESTMENT SECURITIES
Proceeds from sales of securities	$ 4,334	$ 6,327	$ 23,874	$ 6,327
Gross gains from sales of securities		134		134
Gross losses from sales of securities	$ (88)	$ (69)	$ (88)	$ (69)

NOTE 2 - INVESTMENT SECURITIE_7

NOTE 2 - INVESTMENT SECURITIES - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Securities held to maturity:
Securities held to maturity, due in one year or less, amortized cost	$ 2,882
Securities held to maturity, due in one year or less, fair value	2,910
Securities held to maturity, due after one year through five years, amortized cost	29,592
Securities held to maturity, due after one year through five years, fair value	30,281
Securities held to maturity, due after five years, amortized cost	440,859
Securities held to maturity, due after five years, fair value	490,251
Securities held to maturity, amortized cost	473,333
Securities held to maturity, fair value	523,442	$ 521,277
Securities available for sale:
Securities available for sale, due in one year or less, amortized cost	1,471
Securities available for sale, Due in one year or less, fair value	1,492
Securities available for sale, due after one year through five years, amortized cost	11,927
Securities available for sale, Due after one year through five years, fair value	12,175
Securities available for sale, due after five years, amortized cost	179,658
Securities available for sale, due after five years, fair value	185,702
Securities available for sale, single maturity, amortized cost	193,056
Securities available for sale, single maturity, fair value	199,369
Securities available for sale, amortized cost	326,388	350,060
Securities available for sale, fair value	337,286	361,966
Securities available for sale, callable, amortized cost	326,388
Securities available for sale, callable, fair value	337,286
Callable Securities [Member]
Securities available for sale:
Securities available for sale, amortized cost	173,288
Securities available for sale, fair value	178,974
Municipal securities.
Securities held to maturity:
Securities held to maturity, fair value	522,392	520,227
Securities available for sale:
Securities available for sale, amortized cost	163,607	147,241
Securities available for sale, fair value	169,320	152,408
Municipal securities. \| Callable Securities [Member]
Securities held to maturity:
Securities held to maturity, callable, amortized cost	272,039
Securities held to maturity, callable, fair value	283,607
Securities available for sale:
Securities available for sale, callable, amortized cost	158,149
Securities available for sale, callable, fair value	163,595
Asset-backed securities
Securities available for sale:
Securities available for sale, amortized cost	30,707	39,663
Securities available for sale, fair value	31,779	40,683
Securities available for sale, callable, amortized cost	30,707
Securities available for sale, callable, fair value	31,778
Residential mortgage-backed and related securities
Securities available for sale:
Securities available for sale, amortized cost	102,625	127,670
Securities available for sale, fair value	106,138	132,842
Securities available for sale, callable, amortized cost	102,625
Securities available for sale, callable, fair value	106,139
Other Securities
Securities held to maturity:
Securities held to maturity, fair value	1,050	1,050
Securities available for sale:
Securities available for sale, amortized cost	15,139	20,550
Securities available for sale, fair value	15,379	$ 20,697
Other Securities \| Callable Securities [Member]
Securities available for sale:
Securities available for sale, callable, amortized cost	15,139
Securities available for sale, callable, fair value	$ 15,379

NOTE 3 - LOANS_LEASES RECEIVA_3

NOTE 3 - LOANS/LEASES RECEIVABLE (Details) $ in Thousands	3 Months Ended				6 Months Ended
NOTE 3 - LOANS/LEASES RECEIVABLE (Details) $ in Thousands	Jun. 30, 2021USD ($)item	Jun. 30, 2020USD ($)itemloan	Dec. 31, 2019USD ($)	Dec. 31, 2019USD ($)item	Jun. 30, 2021USD ($)	Jun. 30, 2021USD ($)item	Jun. 30, 2021USD ($)loan	Jun. 30, 2021USD ($)contract	Jun. 30, 2020USD ($)itemloan	Mar. 31, 2021USD ($)	Jan. 01, 2021USD ($)	Dec. 31, 2020USD ($)	Mar. 31, 2020USD ($)
Loans and leases	$ 4,417,705				$ 4,417,705	$ 4,417,705	$ 4,417,705	$ 4,417,705				$ 4,243,791
Loans receivable held for sale	4,459				4,459	4,459	4,459	4,459				3,758
Accruing TDRs	3,100				3,100	3,100	3,100	3,100				1,700
Nonaccrual Loans/Leases	8,230				8,230	8,230	8,230	8,230				13,940
Accruing Past Due 90 Days or More	$ 57				57	$ 57	57	57				3
Number of nonaccrual restructured loans \| loan		0							0
Financing Receivable, Modifications, Subsequent Default, Number of Contracts	0	2	93	1		0			3
Financing Receivable, Modifications, Post-Modification Recorded Investment	$ 2,599	$ 78			2,599				$ 256
Number of TDRs restructured and written off \| item									7
Financing Receivables, Impaired, Troubled Debt Restructuring, Write-down									$ 354
Less allowance for estimated losses on loans/leases	78,894	60,827	$ 36,001	$ 36,001	78,894	$ 78,894	78,894	78,894	60,827	$ 81,831	$ 84,376	84,376	$ 42,233
Provision for Loan, Lease, and Other Losses		19,915			6,713				28,282
Allowance for Loan and Lease Losses, Write-offs	3,674	1,450			4,387				3,785
Recoveries on loans/leases previously charged off	$ 878	$ 129			$ 1,155				$ 329
Number of Loans / Leases	3	2			3				5
m2 Lease Funds, LLC
Financing Receivable, Loan Modification, Not Treated as Troubled Debt Restructuring	$ 4,700				$ 4,700	$ 4,700	$ 4,700	$ 4,700
Loan Relief Program
Financing Receivable, Modification, Number of Contracts							29,000,000	0
Financial Receivables Loan Modification, Percent	0.11%				0.11%	0.11%	0.11%	0.11%
One Customer [Member]
Financing Receivable, Modifications, Post-Modification Recorded Investment		$ 55
Nonaccrual [Member]
Financing Receivable, Modifications, Post-Modification Recorded Investment		$ 2,600							$ 2,600
Number of Loans / Leases \| item		2							2
Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases												984
Residential real estate
Loans and leases												252,121
Residential real estate loan held for sale	$ 4,500				$ 4,500	$ 4,500	$ 4,500	$ 4,500				3,800
Nonaccrual Loans/Leases												1,022
Less allowance for estimated losses on loans/leases		$ 3,010	1,948	1,948					$ 3,010		3,732	3,732	2,313
Provision for Loan, Lease, and Other Losses		697							1,033
Recoveries on loans/leases previously charged off									29
Commercial Portfolio Segment [Member]
Loans and leases	1,688,266				1,688,266	1,688,266	1,688,266	1,688,266				1,726,723
Nonaccrual Loans/Leases												4,807
Less allowance for estimated losses on loans/leases	35,502	25,748	16,072	16,072	35,502	35,502	35,502	35,502	25,748		35,421	35,421	18,151
Provision for Loan, Lease, and Other Losses		7,859							11,556
Allowance for Loan and Lease Losses, Write-offs		340							1,979
Recoveries on loans/leases previously charged off		78							99
Commercial Portfolio Segment [Member] \| C&I - other
Loans and leases	1,505,384				1,505,384	1,505,384	1,505,384	1,505,384
Nonaccrual Loans/Leases	4,959				4,959	4,959	4,959	4,959
Accruing Past Due 90 Days or More	57				57	57	57	57
Less allowance for estimated losses on loans/leases	32,325				32,325	32,325	32,325	32,325		33,167
Allowance for Loan and Lease Losses, Write-offs	998				1,666
Recoveries on loans/leases previously charged off	158				314
Commercial Portfolio Segment [Member] \| m2 Lease Funds, LLC
Loans and leases	202,400				202,400	202,400	202,400	202,400				171,500
Commercial Real Estate Portfolio Segment [Member]
Loans and leases												2,107,629
Less allowance for estimated losses on loans/leases		29,123	15,379	15,379					29,123		42,161	42,161	19,269
Provision for Loan, Lease, and Other Losses		10,365							14,181
Allowance for Loan and Lease Losses, Write-offs		511							511
Recoveries on loans/leases previously charged off									74
Commercial Real Estate Portfolio Segment [Member] \| Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases												836
Direct financing leases
Loans and leases	56,153				56,153	56,153	56,153	56,153				66,016
Nonaccrual Loans/Leases	161				161	161	161	161				406
Less allowance for estimated losses on loans/leases	1,976	1,639	1,464	1,464	1,976	1,976	1,976	1,976	1,639		1,764	1,764	1,303
Provision for Loan, Lease, and Other Losses		887							1,281
Allowance for Loan and Lease Losses, Write-offs		595							1,195
Recoveries on loans/leases previously charged off		44							89
Direct financing leases \| PPP loans
Loans and leases	147,500				147,500	147,500	147,500	147,500				273,100
Direct financing leases \| C&I - other
Less allowance for estimated losses on loans/leases	685				685	685	685	685		2,200		1,800
Provision for Loan, Lease, and Other Losses	144				279
Allowance for Loan and Lease Losses, Write-offs	130				(328)
Recoveries on loans/leases previously charged off	58				134
Threshold for Related Party Loans Evaluated	2,000				2,000	2,000	2,000	2,000
Direct financing leases \| Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases												100
Consumer
Loans and leases	69,438				69,438	69,438	69,438	69,438
Nonaccrual Loans/Leases	66				66	66	66	66
Less allowance for estimated losses on loans/leases	919				919	$ 919	$ 919	$ 919		$ 1,045	$ 1,298	1,298
Allowance for Loan and Lease Losses, Write-offs	4				5
Recoveries on loans/leases previously charged off	$ 207				$ 309
Installment and other consumer loans
Loans and leases												91,302
Nonaccrual Loans/Leases												205
Accruing Past Due 90 Days or More												3
Less allowance for estimated losses on loans/leases		1,307	$ 1,138	$ 1,138					1,307				$ 1,197
Provision for Loan, Lease, and Other Losses		107							231
Allowance for Loan and Lease Losses, Write-offs		4							100
Recoveries on loans/leases previously charged off		$ 7							$ 38
Installment and other consumer loans \| Troubled Debt Restructurings [Member]
Nonaccrual Loans/Leases												$ 48

NOTE 3 - LOANS_LEASES RECEIVA_4

NOTE 3 - LOANS/LEASES RECEIVABLE - Composition of the Loan Lease Portfolio (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Mar. 31, 2021	Jan. 01, 2021	Dec. 31, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019
Loans and leases receivable	$ 4,417,705			$ 4,243,791
Plus deferred loan/lease origination costs, net of fees.				7,338
Gross loans/leases receivable	4,417,705			4,251,129
Less allowance	(78,894)	$ (81,831)	$ (84,376)	(84,376)	$ (60,827)	$ (42,233)	$ (36,001)
Net loans/leases receivable	4,338,811			4,166,753
Construction Loans [Member]
Loans and leases receivable	708,289
Commercial Portfolio Segment [Member]
Loans and leases receivable	1,688,266			1,726,723
Gross loans/leases receivable	1,744,419
Less allowance	(35,502)		(35,421)	(35,421)	(25,748)	(18,151)	(16,072)
Commercial Portfolio Segment [Member] \| C&I - revolving
Loans and leases receivable	182,882
Gross loans/leases receivable	182,882
Less allowance	(3,177)	(3,547)
Commercial Portfolio Segment [Member] \| C&I - other
Loans and leases receivable	1,505,384
Gross loans/leases receivable	1,561,537
Less allowance	(32,325)	(33,167)
Commercial Real Estate Portfolio Segment [Member]
Loans and leases receivable				2,107,629
Less allowance			(42,161)	(42,161)	(29,123)	(19,269)	(15,379)
Commercial Real Estate Portfolio Segment [Member] \| CRE - owner occupied
Loans and leases receivable	427,734
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Loans and leases receivable	618,879
Gross loans/leases receivable	618,879
Less allowance	(8,911)	(11,155)
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Loans and leases receivable				541,455
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases receivable	427,734			496,471
Gross loans/leases receivable	427,734
Less allowance	(8,020)	(9,147)
Commercial Real Estate Portfolio Segment [Member] \| Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases receivable				1,069,703
Construction and Land Development [Member]
Gross loans/leases receivable	708,289
Less allowance	(13,640)
Construction and Land Development [Member] \| Construction Loans [Member]
Loans and leases receivable	708,289			541,455
Less allowance	(13,640)	(12,327)
Multi-family
Loans and leases receivable	466,804
Gross loans/leases receivable	466,804
Less allowance	(6,977)	(6,278)
Direct financing leases
Net minimum lease payments to be received	61,781			72,940
Estimated unguaranteed residual values of leased assets	165			239
Unearned lease/residual income	(5,793)			(7,163)
Loans and leases receivable	56,153			66,016
Plus deferred loan/lease origination costs, net of fees.	783			1,072
Gross loans/leases receivable	56,936			67,088
Less allowance	(1,976)		(1,764)	(1,764)	(1,639)	(1,303)	(1,464)
Net loans/leases receivable	54,960			65,324
Direct financing leases \| C&I - other
Less allowance	(685)	(2,200)		(1,800)
1-4 family real estate
Loans and leases receivable	382,142
Gross loans/leases receivable	382,142
Less allowance	(4,925)	(5,165)
Residential real estate
Loans and leases receivable				252,121
Less allowance			(3,732)	(3,732)	(3,010)	(2,313)	(1,948)
Consumer
Loans and leases receivable	69,438
Gross loans/leases receivable	69,438
Less allowance	$ (919)	$ (1,045)	$ (1,298)	(1,298)
Installment and other consumer loans
Loans and leases receivable				$ 91,302
Less allowance					$ (1,307)	$ (1,197)	$ (1,138)

NOTE 3 - LOANS_LEASES RECEIVA_5

NOTE 3 - LOANS/LEASES RECEIVABLE - Changes in Accretable Yield (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Balance at the beginning of the period	$ (2,530)	$ (5,784)	$ (3,139)	$ (6,435)
Reclassification of nonaccretable discount to accretable				(30)
Accretion recognized	341	791	950	1,472
Balance at the end of the period	(2,189)	(4,993)	(2,189)	(4,993)
PCI Loans
Balance at the beginning of the period		(59)		(57)
Reclassification of nonaccretable discount to accretable				(30)
Accretion recognized		1		29
Balance at the end of the period		(58)		(58)
Performing Loans
Balance at the beginning of the period	(2,530)	(5,725)	(3,139)	(6,378)
Accretion recognized	341	790	950	1,443
Balance at the end of the period	$ (2,189)	$ (4,935)	$ (2,189)	$ (4,935)

NOTE 3 - LOANS_LEASES RECEIVA_6

NOTE 3 - LOANS/LEASES RECEIVABLE - Aging of the Loan Lease Portfolio (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Current	$ 4,405,310	$ 4,225,516
Accruing Past Due 90 Days or More	57	3
Nonaccrual Loans/Leases	8,230	13,940
Loans and leases	$ 4,417,705	$ 4,243,791
Current as a percentage of total loan/lease portfolio	99.72%	99.57%
Accruing past due 90 days or more as a percentage of total loan/lease portfolio	0.00%	0.00%
Nonaccrual Loans/Leases as a percentage of total loan/lease portfolio	0.19%	0.33%
Loans and leases as a percentage of total loan/lease portfolio	100.00%	100.00%
Construction Loans [Member]
Loans and leases	$ 708,289
Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	$ 2,473	$ 3,591
Past due as a percentage of total loan/lease portfolio	0.05%	0.08%
Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	$ 1,635	$ 741
Past due as a percentage of total loan/lease portfolio	0.04%	0.02%
Commercial Portfolio Segment [Member]
Current		$ 1,720,058
Nonaccrual Loans/Leases		4,807
Loans and leases	$ 1,688,266	1,726,723
Commercial Portfolio Segment [Member] \| C&I - revolving
Current	182,882
Loans and leases	182,882
Commercial Portfolio Segment [Member] \| C&I - other
Current	1,498,911
Accruing Past Due 90 Days or More	57
Nonaccrual Loans/Leases	4,959
Loans and leases	1,505,384
Commercial Portfolio Segment [Member] \| Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due		1,535
Commercial Portfolio Segment [Member] \| Financing Receivables, 30 to 59 Days Past Due [Member] \| C&I - other
Past Due	1,252
Commercial Portfolio Segment [Member] \| Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due		323
Commercial Portfolio Segment [Member] \| Financing Receivables, 60 to 89 Days Past Due [Member] \| C&I - other
Past Due	205
Commercial Real Estate Portfolio Segment [Member]
Loans and leases		2,107,629
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Current	426,603	496,459
Nonaccrual Loans/Leases		12
Loans and leases	427,734	496,471
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Current	618,483
Loans and leases	618,879
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Loans and leases		541,455
Commercial Real Estate Portfolio Segment [Member] \| Other Non-owner Occupied Commercial Real Estate Loans [Member]
Current		1,062,215
Nonaccrual Loans/Leases		7,488
Loans and leases		1,069,703
Commercial Real Estate Portfolio Segment [Member] \| Financing Receivables, 30 to 59 Days Past Due [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Past Due	865
Commercial Real Estate Portfolio Segment [Member] \| Financing Receivables, 60 to 89 Days Past Due [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Past Due	266
Commercial Real Estate Portfolio Segment [Member] \| Financing Receivables, 60 to 89 Days Past Due [Member] \| CRE - non owner occupied
Past Due	396
Construction and Land Development [Member] \| Construction Loans [Member]
Current	708,214	541,455
Nonaccrual Loans/Leases	75
Loans and leases	708,289	541,455
Multi-family
Current	466,804
Loans and leases	466,804
Direct financing leases
Current	55,779	64,918
Nonaccrual Loans/Leases	161	406
Loans and leases	56,153	66,016
Direct financing leases \| Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	76	501
Direct financing leases \| Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	137	191
1-4 family real estate
Current	378,314
Nonaccrual Loans/Leases	2,969
Loans and leases	382,142
1-4 family real estate \| Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	228
1-4 family real estate \| Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due	631
Residential real estate
Current		249,364
Nonaccrual Loans/Leases		1,022
Loans and leases		252,121
Residential real estate \| Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due		1,512
Residential real estate \| Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due		223
Consumer
Current	69,320
Nonaccrual Loans/Leases	66
Loans and leases	69,438
Consumer \| Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due	$ 52
Installment and other consumer loans
Current		91,047
Accruing Past Due 90 Days or More		3
Nonaccrual Loans/Leases		205
Loans and leases		91,302
Installment and other consumer loans \| Financing Receivables, 30 to 59 Days Past Due [Member]
Past Due		43
Installment and other consumer loans \| Financing Receivables, 60 to 89 Days Past Due [Member]
Past Due		$ 4

NOTE 3 - LOANS_LEASES RECEIVA_7

NOTE 3 - LOANS/LEASES RECEIVABLE - Loans Leases Nonperforming Loans Leases (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Accruing Past Due 90 Days or More	$ 57	$ 3
Nonaccrual Loans/Leases	8,230	13,940
Accruing TDRs	3,100	1,700
Loans and Leases Receivable, Net of Deferred Income	$ 4,417,705	$ 4,243,791
Percentage of Total NPLs	100.00%	100.00%
Construction Loans [Member]
Loans and Leases Receivable, Net of Deferred Income	$ 708,289
Nonperforming Financial Instruments [Member]
Accruing Past Due 90 Days or More	57	$ 3
Nonaccrual Loans/Leases	7,956	13,940
Nonaccrual Loans/Leases without an Allowance for Credit Losses	274
Accruing TDRs		741
Loans and Leases Receivable, Net of Deferred Income	$ 8,287	$ 14,684
Percentage of Total NPLs	100.00%	100.00%
Commercial Portfolio Segment [Member]
Nonaccrual Loans/Leases		$ 4,807
Loans and Leases Receivable, Net of Deferred Income	$ 1,688,266	1,726,723
Commercial Portfolio Segment [Member] \| C&I - other
Accruing Past Due 90 Days or More	57
Nonaccrual Loans/Leases	4,959
Loans and Leases Receivable, Net of Deferred Income	1,505,384
Commercial Portfolio Segment [Member] \| C&I - revolving
Loans and Leases Receivable, Net of Deferred Income	182,882
Commercial Portfolio Segment [Member] \| Nonperforming Financial Instruments [Member]
Nonaccrual Loans/Leases		4,807
Accruing TDRs		606
Loans and Leases Receivable, Net of Deferred Income		$ 5,413
Percentage of Total NPLs		36.87%
Commercial Portfolio Segment [Member] \| Nonperforming Financial Instruments [Member] \| C&I - other
Accruing Past Due 90 Days or More	57
Nonaccrual Loans/Leases	4,736
Nonaccrual Loans/Leases without an Allowance for Credit Losses	223
Loans and Leases Receivable, Net of Deferred Income	$ 5,016
Percentage of Total NPLs	60.52%
Commercial Real Estate Portfolio Segment [Member]
Loans and Leases Receivable, Net of Deferred Income		$ 2,107,629
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Nonaccrual Loans/Leases		12
Loans and Leases Receivable, Net of Deferred Income	$ 427,734	496,471
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Loans and Leases Receivable, Net of Deferred Income	618,879
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Loans and Leases Receivable, Net of Deferred Income		541,455
Commercial Real Estate Portfolio Segment [Member] \| Other Non-owner Occupied Commercial Real Estate Loans [Member]
Nonaccrual Loans/Leases		7,488
Loans and Leases Receivable, Net of Deferred Income		1,069,703
Commercial Real Estate Portfolio Segment [Member] \| Nonperforming Financial Instruments [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Nonaccrual Loans/Leases		12
Loans and Leases Receivable, Net of Deferred Income		$ 12
Percentage of Total NPLs		0.08%
Commercial Real Estate Portfolio Segment [Member] \| Nonperforming Financial Instruments [Member] \| Other Non-owner Occupied Commercial Real Estate Loans [Member]
Nonaccrual Loans/Leases		$ 7,488
Loans and Leases Receivable, Net of Deferred Income		$ 7,488
Percentage of Total NPLs		50.99%
Construction and Land Development [Member] \| Construction Loans [Member]
Nonaccrual Loans/Leases	75
Loans and Leases Receivable, Net of Deferred Income	708,289	$ 541,455
Construction and Land Development [Member] \| Nonperforming Financial Instruments [Member] \| Construction Loans [Member]
Nonaccrual Loans/Leases	75
Loans and Leases Receivable, Net of Deferred Income	$ 75
Percentage of Total NPLs	0.91%
Multi-family
Loans and Leases Receivable, Net of Deferred Income	$ 466,804
Direct financing leases
Nonaccrual Loans/Leases	161	406
Loans and Leases Receivable, Net of Deferred Income	56,153	66,016
Direct financing leases \| Nonperforming Financial Instruments [Member]
Nonaccrual Loans/Leases	110	406
Nonaccrual Loans/Leases without an Allowance for Credit Losses	51
Accruing TDRs		135
Loans and Leases Receivable, Net of Deferred Income	$ 161	$ 541
Percentage of Total NPLs	1.94%	3.68%
1-4 family real estate
Nonaccrual Loans/Leases	$ 2,969
Loans and Leases Receivable, Net of Deferred Income	382,142
1-4 family real estate \| Nonperforming Financial Instruments [Member]
Nonaccrual Loans/Leases	2,969
Loans and Leases Receivable, Net of Deferred Income	$ 2,969
Percentage of Total NPLs	35.83%
Residential real estate
Nonaccrual Loans/Leases		$ 1,022
Loans and Leases Receivable, Net of Deferred Income		252,121
Residential real estate \| Nonperforming Financial Instruments [Member]
Nonaccrual Loans/Leases		1,022
Loans and Leases Receivable, Net of Deferred Income		$ 1,022
Percentage of Total NPLs		6.96%
Consumer
Nonaccrual Loans/Leases	$ 66
Loans and Leases Receivable, Net of Deferred Income	69,438
Consumer \| Nonperforming Financial Instruments [Member]
Nonaccrual Loans/Leases	66
Loans and Leases Receivable, Net of Deferred Income	$ 66
Percentage of Total NPLs	0.80%
Installment and other consumer loans
Accruing Past Due 90 Days or More		$ 3
Nonaccrual Loans/Leases		205
Loans and Leases Receivable, Net of Deferred Income		91,302
Installment and other consumer loans \| Nonperforming Financial Instruments [Member]
Accruing Past Due 90 Days or More		3
Nonaccrual Loans/Leases		205
Loans and Leases Receivable, Net of Deferred Income		$ 208
Percentage of Total NPLs		1.42%

NOTE 3 - LOANS_LEASES RECEIVA_8

NOTE 3 - LOANS/LEASES RECEIVABLE - Allowance for Estimated Losses on Loans Leases (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Balance	$ 81,831	$ 42,233	$ 84,376	$ 36,001
Provision		19,915	6,713	28,282
Provision.	(141)		5,852
Charged off	(3,674)	(1,450)	(4,387)	(3,785)
Recoveries	878	129	1,155	329
Balance	78,894	60,827	78,894	60,827
Accounting Standards Update 2016-13
Balance	(8,102)		(8,102)
Commercial Portfolio Segment [Member]
Balance		18,151	35,421	16,072
Provision		7,859		11,556
Charged off		(340)		(1,979)
Recoveries		78		99
Balance	35,502	25,748	35,502	25,748
Commercial Portfolio Segment [Member] \| Accounting Standards Update 2016-13
Balance			(35,421)
Commercial Portfolio Segment [Member] \| C&I - revolving
Balance	3,547
Provision.	(370)		195
Balance	3,177		3,177
Commercial Portfolio Segment [Member] \| C&I - revolving \| Accounting Standards Update 2016-13
Balance			2,982
Commercial Portfolio Segment [Member] \| C&I - other
Balance	33,167
Provision.	(2)		4,547
Charged off	(998)		(1,666)
Recoveries	158		314
Balance	32,325		32,325
Commercial Portfolio Segment [Member] \| C&I - other \| Accounting Standards Update 2016-13
Balance			29,130
Commercial Real Estate Portfolio Segment [Member]
Balance		19,269	42,161	15,379
Provision		10,365		14,181
Charged off		(511)		(511)
Recoveries				74
Balance		29,123		29,123
Commercial Real Estate Portfolio Segment [Member] \| Accounting Standards Update 2016-13
Balance			(42,161)
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Balance	9,147
Provision.	(1,121)		(670)
Recoveries.	6		6
Balance	8,020		8,020
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member] \| Accounting Standards Update 2016-13
Balance			8,696
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Balance	11,155
Provision.	(376)		(662)
Charged off	(1,876)		(1,876)
Recoveries	8		21
Balance	8,911		8,911
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied \| Accounting Standards Update 2016-13
Balance			11,428
Construction and Land Development [Member]
Balance	13,640		13,640
Construction and Land Development [Member] \| Construction Loans [Member]
Balance	12,327
Provision.	1,313		1,641
Balance	13,640		13,640
Construction and Land Development [Member] \| Construction Loans [Member] \| Accounting Standards Update 2016-13
Balance			11,999
Multi-family
Balance	6,278
Provision.	849		1,291
Charged off	(150)		(150)
Balance	6,977		6,977
Multi-family \| Accounting Standards Update 2016-13
Balance			5,836
Direct financing leases
Balance		1,303	1,764	1,464
Provision		887		1,281
Charged off		(595)		(1,195)
Recoveries		44		89
Balance	1,976	1,639	1,976	1,639
Direct financing leases \| Accounting Standards Update 2016-13
Balance			(1,764)
Direct financing leases \| C&I - other
Balance	2,200		1,800
Provision	144		279
Charged off	(130)		328
Recoveries	58		134
Balance	685		685
Residential real estate
Balance		2,313	3,732	1,948
Provision		697		1,033
Recoveries				29
Balance		3,010		3,010
Residential real estate \| Accounting Standards Update 2016-13
Balance			(3,732)
1-4 family real estate
Balance	5,165
Provision.	(105)		56
Charged off	(646)		(690)
Recoveries	511		517
Balance	4,925		4,925
1-4 family real estate \| Accounting Standards Update 2016-13
Balance			5,042
Consumer
Balance	1,045		1,298
Provision.	(329)		(546)
Charged off	(4)		(5)
Recoveries	207		309
Balance	$ 919		919
Consumer \| Accounting Standards Update 2016-13
Balance			$ (137)
Installment and other consumer loans
Balance		1,197		1,138
Provision		107		231
Charged off		(4)		(100)
Recoveries		7		38
Balance		$ 1,307		$ 1,307

NOTE 3 - LOANS_LEASES RECEIVA_9

NOTE 3 - LOANS/LEASES RECEIVABLE - Composition Of Allowance For Credit Losses (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Mar. 31, 2021	Jan. 01, 2021	Dec. 31, 2020	Jun. 30, 2020	Mar. 31, 2020	Dec. 31, 2019
Allowance for Credit Losses, Individually Evaluated for Credit Losses	$ 4,819
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	74,075
Allowance for Credit Losses, Total	78,894	$ 81,831	$ 84,376	$ 84,376	$ 60,827	$ 42,233	$ 36,001
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	83,711
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	4,333,994
Gross loans/leases receivable	4,417,705			4,251,129
Commercial Portfolio Segment [Member]
Allowance for Credit Losses, Individually Evaluated for Credit Losses	3,951
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	31,551
Allowance for Credit Losses, Total	35,502		35,421	35,421	25,748	18,151	16,072
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	42,900
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	1,701,519
Gross loans/leases receivable	1,744,419
Commercial Portfolio Segment [Member] \| C&I - revolving
Allowance for Credit Losses, Individually Evaluated for Credit Losses	189
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	2,988
Allowance for Credit Losses, Total	3,177	3,547
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	2,725
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	180,157
Gross loans/leases receivable	182,882
Commercial Portfolio Segment [Member] \| C&I - other
Allowance for Credit Losses, Individually Evaluated for Credit Losses	3,762
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	28,563
Allowance for Credit Losses, Total	32,325	33,167
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	40,175
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	1,521,362
Gross loans/leases receivable	1,561,537
Commercial Real Estate Portfolio Segment [Member]
Allowance for Credit Losses, Total			42,161	42,161	29,123	19,269	15,379
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Allowance for Credit Losses, Individually Evaluated for Credit Losses	283
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	7,737
Allowance for Credit Losses, Total	8,020	9,147
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	5,425
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	422,309
Gross loans/leases receivable	427,734
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Allowance for Credit Losses, Individually Evaluated for Credit Losses	46
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	8,865
Allowance for Credit Losses, Total	8,911	11,155
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	19,879
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	599,000
Gross loans/leases receivable	618,879
Construction and Land Development [Member]
Allowance for Credit Losses, Individually Evaluated for Credit Losses	12
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	13,628
Allowance for Credit Losses, Total	13,640
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	10,553
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	697,736
Gross loans/leases receivable	708,289
Multi-family
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	6,977
Allowance for Credit Losses, Total	6,977	6,278
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	466,804
Gross loans/leases receivable	466,804
1-4 family real estate
Allowance for Credit Losses, Individually Evaluated for Credit Losses	491
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	4,434
Allowance for Credit Losses, Total	4,925	5,165
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	4,683
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	377,459
Gross loans/leases receivable	382,142
Consumer
Allowance for Credit Losses, Individually Evaluated for Credit Losses	36
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	883
Allowance for Credit Losses, Total	919	1,045	1,298	1,298
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	271
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	69,167
Gross loans/leases receivable	69,438
Direct financing leases
Allowance for Credit Losses, Total	1,976		$ 1,764	1,764	$ 1,639	$ 1,303	$ 1,464
Gross loans/leases receivable	56,936			67,088
Direct financing leases \| C&I - other
Allowance for Credit Losses, Individually Evaluated for Credit Losses	33
Allowance for Credit Losses, Collectively Evaluated for Credit Losses	1,900
Allowance for Credit Losses, Total	685	$ 2,200		$ 1,800
Amortized Cost of Loans Receivable, Individually Evaluated for Credit Losses	161
Amortized Cost of Loans Receivable, Collectively Evaluated for Credit Losses	$ 56,000

NOTE 3 - LOANS_LEASES RECEIV_10

NOTE 3 - LOANS/LEASES RECEIVABLE - Impaired Loans Leases (Details) - USD ($) $ in Thousands	3 Months Ended	6 Months Ended	12 Months Ended
	Jun. 30, 2020	Jun. 30, 2020	Dec. 31, 2020
Recorded investment with no specific allowance recorded	$ 5,813	$ 5,813	$ 3,924
Unpaid principal balance with no specific allowance recorded	6,171	6,171	4,804
Average recorded investment with no specific allowance recorded	5,379	4,760	2,576
Interest income recognized with no specific allowance recorded	26	50	79
Interest income recognized for cash payments received with no specific allowance recorded	26	50	79
Recorded investment with specific allowance recorded	7,492	7,492	10,704
Unpaid principal balance with specific allowance recorded	7,492	7,492	10,704
Average recorded investment with specific allowance recorded	7,475	6,140	7,578
Recorded investment	13,305	13,305	14,628
Unpaid principal balance	13,663	13,663	15,508
Related allowance	2,154	2,154	2,680
Average recorded investment	12,854	10,900	10,154
Interest income recognized	26	50	79
Interest income recognized for cash payments received	26	50	79
Commercial Portfolio Segment [Member]
Recorded investment with no specific allowance recorded	1,978	1,978	1,361
Unpaid principal balance with no specific allowance recorded	2,051	2,051	1,441
Average recorded investment with no specific allowance recorded	1,742	1,512	1,002
Interest income recognized with no specific allowance recorded	13	25	33
Interest income recognized for cash payments received with no specific allowance recorded	13	25	33
Recorded investment with specific allowance recorded	569	569	4,020
Unpaid principal balance with specific allowance recorded	569	569	4,020
Average recorded investment with specific allowance recorded	568	479	1,555
Recorded investment	2,547	2,547	5,381
Unpaid principal balance	2,620	2,620	5,461
Related allowance	341	341	650
Average recorded investment	2,310	1,991	2,557
Interest income recognized	13	25	33
Interest income recognized for cash payments received	13	25	33
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Recorded investment with no specific allowance recorded	320	320
Unpaid principal balance with no specific allowance recorded	577	577
Average recorded investment with no specific allowance recorded	174	128
Recorded investment	320	320
Unpaid principal balance	577	577
Average recorded investment	174	128
Commercial Real Estate Portfolio Segment [Member] \| Other Non-owner Occupied Commercial Real Estate Loans [Member]
Recorded investment with no specific allowance recorded	965	965	1,133
Unpaid principal balance with no specific allowance recorded	965	965	1,933
Average recorded investment with no specific allowance recorded	978	742	494
Interest income recognized with no specific allowance recorded	7	14	29
Interest income recognized for cash payments received with no specific allowance recorded	7	14	29
Recorded investment with specific allowance recorded	6,530	6,530	6,354
Unpaid principal balance with specific allowance recorded	6,530	6,530	6,354
Average recorded investment with specific allowance recorded	6,560	5,329	5,726
Recorded investment	7,495	7,495	7,487
Unpaid principal balance	7,495	7,495	8,287
Related allowance	1,692	1,692	1,938
Average recorded investment	7,538	6,071	6,220
Interest income recognized	7	14	29
Interest income recognized for cash payments received	7	14	29
Direct financing leases
Recorded investment with no specific allowance recorded	1,364	1,364	578
Unpaid principal balance with no specific allowance recorded	1,364	1,364	578
Average recorded investment with no specific allowance recorded	1,411	1,379	483
Interest income recognized with no specific allowance recorded	6	11	17
Interest income recognized for cash payments received with no specific allowance recorded	6	11	17
Recorded investment with specific allowance recorded	55	55
Unpaid principal balance with specific allowance recorded	55	55
Average recorded investment with specific allowance recorded	57	59
Recorded investment	1,419	1,419	578
Unpaid principal balance	1,419	1,419	578
Related allowance	20	20
Average recorded investment	1,468	1,438	483
Interest income recognized	6	11	17
Interest income recognized for cash payments received	6	11	17
Residential real estate
Recorded investment with no specific allowance recorded	624	624	719
Unpaid principal balance with no specific allowance recorded	652	652	719
Average recorded investment with no specific allowance recorded	524	474	476
Recorded investment with specific allowance recorded	260	260	258
Unpaid principal balance with specific allowance recorded	260	260	258
Average recorded investment with specific allowance recorded	220	206	227
Recorded investment	884	884	977
Unpaid principal balance	912	912	977
Related allowance	23	23	20
Average recorded investment	744	680	703
Installment and other consumer loans
Recorded investment with no specific allowance recorded	562	562	133
Unpaid principal balance with no specific allowance recorded	562	562	133
Average recorded investment with no specific allowance recorded	550	525	121
Recorded investment with specific allowance recorded	78	78	72
Unpaid principal balance with specific allowance recorded	78	78	72
Average recorded investment with specific allowance recorded	70	67	70
Recorded investment	640	640	205
Unpaid principal balance	640	640	205
Related allowance	78	78	72
Average recorded investment	$ 620	$ 592	$ 191

NOTE 3 - LOANS_LEASES RECEIV_11

NOTE 3 - LOANS/LEASES RECEIVABLE - Amortized Cost Basis of Collateral (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	$ 78,894	$ 84,376
Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	83,711
Commercial Assets
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	3,327
Non Owner-Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	32,889
Owner Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	10,490
Securities
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	6,224
Equipment
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	30,758
Other
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	23
Commercial Portfolio Segment [Member] \| Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	42,900
Commercial Portfolio Segment [Member] \| Commercial Assets
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	3,327
Commercial Portfolio Segment [Member] \| Owner Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	2,591
Commercial Portfolio Segment [Member] \| Securities
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	6,224
Commercial Portfolio Segment [Member] \| Equipment
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	30,758
Commercial Portfolio Segment [Member] \| C&I - revolving \| Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	2,725
Commercial Portfolio Segment [Member] \| C&I - revolving \| Commercial Assets
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	2,475
Commercial Portfolio Segment [Member] \| C&I - revolving \| Equipment
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	250
Commercial Portfolio Segment [Member] \| C&I - other \| Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	40,175
Commercial Portfolio Segment [Member] \| C&I - other \| Commercial Assets
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	852
Commercial Portfolio Segment [Member] \| C&I - other \| Owner Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	2,591
Commercial Portfolio Segment [Member] \| C&I - other \| Securities
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	6,224
Commercial Portfolio Segment [Member] \| C&I - other \| Equipment
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	30,508
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member] \| Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	5,425
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member] \| Owner Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	5,425
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied \| Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	19,879
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied \| Non Owner-Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	19,879
Construction and Land Development [Member] \| Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	10,553
Construction and Land Development [Member] \| Non Owner-Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	10,478
Construction and Land Development [Member] \| Owner Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	75
Direct financing leases \| C&I - other \| Commercial Assets
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	161
1-4 family real estate \| Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	4,683
1-4 family real estate \| Non Owner-Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	2,532
1-4 family real estate \| Owner Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	2,151
Consumer \| Collateral Dependent Loans
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	271
Consumer \| Owner Occupied Real Estate
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	248
Consumer \| Other
Amortized cost basis of collateral dependent loans, Individually evaluated for credit losses	$ 23

NOTE 3 - LOANS_LEASES RECEIV_12

NOTE 3 - LOANS/LEASES RECEIVABLE - Loans by Internally Assigned Risk Rating (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Loans and leases	$ 4,417,705	$ 4,243,791
Construction Loans [Member]
Loans and leases	708,289
Internally Assigned Risk Rating [Member]
2021	780,081
2020	1,261,276
2019	669,478
2018	429,648
2017	244,347
Prior	209,556
Revolving Loans Amortized Cost Basis	219,469
Loans and leases	3,813,855
Commercial Portfolio Segment [Member]
Loans and leases	1,688,266	1,726,723
Commercial Portfolio Segment [Member] \| C&I - revolving
Loans and leases	182,882
Commercial Portfolio Segment [Member] \| C&I - other
Loans and leases	1,505,384
Commercial Portfolio Segment [Member] \| Internally Assigned Risk Rating [Member]
Loans and leases		1,555,217
Commercial Portfolio Segment [Member] \| Internally Assigned Risk Rating [Member] \| C&I - revolving
Revolving Loans Amortized Cost Basis	182,882
Loans and leases	182,882
Commercial Portfolio Segment [Member] \| Internally Assigned Risk Rating [Member] \| C&I - other
2021	325,352
2020	444,984
2019	225,301
2018	125,551
2017	117,961
Prior	63,868
Loans and leases	1,303,017
Commercial Portfolio Segment [Member] \| Pass [Member]
Loans and leases		1,506,578
Commercial Portfolio Segment [Member] \| Pass [Member] \| C&I - revolving
Revolving Loans Amortized Cost Basis	177,045
Loans and leases	177,045
Commercial Portfolio Segment [Member] \| Pass [Member] \| C&I - other
2021	316,725
2020	437,339
2019	208,611
2018	125,116
2017	117,406
Prior	56,478
Loans and leases	1,261,675
Commercial Portfolio Segment [Member] \| Special Mention [Member]
Loans and leases		23,929
Commercial Portfolio Segment [Member] \| Special Mention [Member] \| C&I - revolving
Revolving Loans Amortized Cost Basis	3,112
Loans and leases	3,112
Commercial Portfolio Segment [Member] \| Special Mention [Member] \| C&I - other
2021	146
2020	693
2018	69
2017	495
Prior	1,259
Loans and leases	2,662
Commercial Portfolio Segment [Member] \| Substandard [Member]
Loans and leases		24,710
Commercial Portfolio Segment [Member] \| Substandard [Member] \| C&I - revolving
Revolving Loans Amortized Cost Basis	2,725
Loans and leases	2,725
Commercial Portfolio Segment [Member] \| Substandard [Member] \| C&I - other
2021	8,481
2020	6,952
2019	16,690
2018	366
2017	60
Prior	6,131
Loans and leases	38,680
Commercial Real Estate Portfolio Segment [Member]
Loans and leases		2,107,629
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
Loans and leases	427,734	496,471
Commercial Real Estate Portfolio Segment [Member] \| CRE - non owner occupied
Loans and leases	618,879
Commercial Real Estate Portfolio Segment [Member] \| Construction Loans [Member]
Loans and leases		541,455
Commercial Real Estate Portfolio Segment [Member] \| Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases		1,069,703
Commercial Real Estate Portfolio Segment [Member] \| Internally Assigned Risk Rating [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
2021	66,896
2020	159,219
2019	65,443
2018	34,182
2017	26,152
Prior	65,498
Revolving Loans Amortized Cost Basis	10,344
Loans and leases	427,734	496,471
Commercial Real Estate Portfolio Segment [Member] \| Internally Assigned Risk Rating [Member] \| CRE - non owner occupied
2021	87,335
2020	185,698
2019	110,425
2018	91,908
2017	77,559
Prior	57,228
Revolving Loans Amortized Cost Basis	8,726
Loans and leases	618,879
Commercial Real Estate Portfolio Segment [Member] \| Internally Assigned Risk Rating [Member] \| Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases		1,069,703
Commercial Real Estate Portfolio Segment [Member] \| Pass [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
2021	65,781
2020	159,219
2019	63,344
2018	32,677
2017	23,452
Prior	64,232
Revolving Loans Amortized Cost Basis	10,344
Loans and leases	419,049	488,478
Commercial Real Estate Portfolio Segment [Member] \| Pass [Member] \| CRE - non owner occupied
2021	81,897
2020	177,081
2019	91,579
2018	76,121
2017	72,401
Prior	51,555
Revolving Loans Amortized Cost Basis	6,570
Loans and leases	557,204
Commercial Real Estate Portfolio Segment [Member] \| Pass [Member] \| Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases		999,931
Commercial Real Estate Portfolio Segment [Member] \| Special Mention [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
2021	901
2019	178
2018	244
2017	672
Prior	1,266
Loans and leases	3,261	3,087
Commercial Real Estate Portfolio Segment [Member] \| Special Mention [Member] \| CRE - non owner occupied
2021	5,019
2020	8,617
2019	1,846
2018	15,288
2017	4,201
Prior	5,673
Revolving Loans Amortized Cost Basis	1,151
Loans and leases	41,795
Commercial Real Estate Portfolio Segment [Member] \| Special Mention [Member] \| Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases		43,785
Commercial Real Estate Portfolio Segment [Member] \| Substandard [Member] \| Owner Occupied Commercial Real Estate Loans [Member]
2021	214
2019	1,921
2018	1,261
2017	2,028
Loans and leases	5,424	4,906
Commercial Real Estate Portfolio Segment [Member] \| Substandard [Member] \| CRE - non owner occupied
2021	419
2019	17,000
2018	499
2017	957
Revolving Loans Amortized Cost Basis	1,005
Loans and leases	19,880
Commercial Real Estate Portfolio Segment [Member] \| Substandard [Member] \| Other Non-owner Occupied Commercial Real Estate Loans [Member]
Loans and leases		25,987
Construction and Land Development [Member] \| Construction Loans [Member]
Loans and leases	708,289	541,455
Construction and Land Development [Member] \| Internally Assigned Risk Rating [Member] \| Construction Loans [Member]
2021	144,416
2020	231,399
2019	182,274
2018	117,974
2017	7,770
Prior	2,613
Revolving Loans Amortized Cost Basis	8,634
Loans and leases	695,080	541,455
Construction and Land Development [Member] \| Pass [Member] \| Construction Loans [Member]
2021	144,416
2020	231,399
2019	171,796
2018	117,381
2017	7,770
Prior	2,613
Revolving Loans Amortized Cost Basis	8,634
Loans and leases	684,009	530,297
Construction and Land Development [Member] \| Special Mention [Member] \| Construction Loans [Member]
2018	593
Loans and leases	593	680
Construction and Land Development [Member] \| Substandard [Member] \| Construction Loans [Member]
2019	10,478
Loans and leases	10,478	10,478
Multi-family
Loans and leases	466,804
Multi-family \| Internally Assigned Risk Rating [Member]
2021	125,743
2020	206,255
2019	66,161
2018	47,105
2017	7,420
Prior	11,359
Revolving Loans Amortized Cost Basis	2,761
Loans and leases	466,804
Multi-family \| Pass [Member]
2021	125,743
2020	206,255
2019	66,161
2018	47,105
2017	7,420
Prior	11,359
Revolving Loans Amortized Cost Basis	2,761
Loans and leases	466,804
1-4 family real estate
Loans and leases	382,142
1-4 family real estate \| Internally Assigned Risk Rating [Member]
2021	30,339
2020	33,721
2019	19,874
2018	12,928
2017	7,485
Prior	8,990
Revolving Loans Amortized Cost Basis	6,122
Loans and leases	119,459
1-4 family real estate \| Pass [Member]
2021	27,769
2020	33,721
2019	19,874
2018	12,928
2017	7,333
Prior	8,990
Revolving Loans Amortized Cost Basis	6,122
Loans and leases	116,737
1-4 family real estate \| Special Mention [Member]
2021	38
2017	152
Loans and leases	190
1-4 family real estate \| Substandard [Member]
2021	2,532
Loans and leases	$ 2,532
Commercial and Commercial Real Estate Portfolio Segments [Member] \| Internally Assigned Risk Rating [Member]
Loans and leases		$ 3,662,846
As a % of Total		100.00%
Commercial and Commercial Real Estate Portfolio Segments [Member] \| Pass [Member]
Loans and leases		$ 3,525,284
As a % of Total		96.25%
Commercial and Commercial Real Estate Portfolio Segments [Member] \| Special Mention [Member]
Loans and leases		$ 71,481
As a % of Total		1.95%
Commercial and Commercial Real Estate Portfolio Segments [Member] \| Substandard [Member]
Loans and leases		$ 66,081
As a % of Total		1.80%

NOTE 3 - LOANS_LEASES RECEIV_13

NOTE 3 - LOANS/LEASES RECEIVABLE - Leases By Delinquency Status (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Loans and leases	$ 4,417,705	$ 4,243,791
Delinquency Status [Member]
2021	142,145
2020	183,241
2019	86,417
2018	50,233
2017	28,901
Prior	62,803
Revolving Loans Amortized Cost Basis	50,110
Loans and leases	603,850
Nonperforming Financial Instruments [Member]
Loans and leases	8,287	14,684
Construction Loans [Member]
Loans and leases	708,289
Commercial Portfolio Segment [Member]
Loans and leases	1,688,266	1,726,723
Commercial Portfolio Segment [Member] \| Delinquency Status [Member]
Loans and leases		171,506
Commercial Portfolio Segment [Member] \| Performing Less Than Ninety Days Past Due [Member}
Loans and leases		170,712
Commercial Portfolio Segment [Member] \| Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases		794
Commercial Portfolio Segment [Member] \| Nonperforming Financial Instruments [Member]
Loans and leases		5,413
Commercial Portfolio Segment [Member] \| C&I - other
Loans and leases	1,505,384
Commercial Portfolio Segment [Member] \| C&I - other \| Delinquency Status [Member]
2021	63,368
2020	65,333
2019	43,986
2018	21,279
2017	7,627
Prior	774
Loans and leases	202,367
Commercial Portfolio Segment [Member] \| C&I - other \| Non Performing Greater Than Ninety Days Past Due [Member]
2021	69
2020	290
2019	423
2018	72
2017	85
Prior	23
Loans and leases	962
Commercial Portfolio Segment [Member] \| C&I - other \| Performing Loans
2021	63,299
2020	65,043
2019	43,563
2018	21,207
2017	7,542
Prior	751
Loans and leases	201,405
Commercial Portfolio Segment [Member] \| C&I - other \| Nonperforming Financial Instruments [Member]
Loans and leases	5,016
Direct financing leases
Loans and leases	56,153	66,016
Direct financing leases \| Delinquency Status [Member]
2021	4,358
2020	15,240
2019	15,002
2018	12,782
2017	6,380
Prior	2,391
Loans and leases	56,153	66,016
Direct financing leases \| Performing Less Than Ninety Days Past Due [Member}
Loans and leases		65,475
Direct financing leases \| Non Performing Greater Than Ninety Days Past Due [Member]
2018	57
2017	31
Prior	73
Loans and leases	161	541
Direct financing leases \| Performing Loans
2021	4,358
2020	15,240
2019	15,002
2018	12,725
2017	6,349
Prior	2,318
Loans and leases	55,992
Direct financing leases \| Nonperforming Financial Instruments [Member]
Loans and leases	161	541
Construction and Land Development [Member] \| Construction Loans [Member]
Loans and leases	708,289	541,455
Construction and Land Development [Member] \| Construction Loans [Member] \| Delinquency Status [Member]
2021	3,111
2020	9,299
2019	213
2018	511
2017	75
Loans and leases	13,209
Construction and Land Development [Member] \| Construction Loans [Member] \| Non Performing Greater Than Ninety Days Past Due [Member]
2017	75
Loans and leases	75
Construction and Land Development [Member] \| Construction Loans [Member] \| Performing Loans
2021	3,111
2020	9,299
2019	213
2018	511
Loans and leases	13,134
Construction and Land Development [Member] \| Construction Loans [Member] \| Nonperforming Financial Instruments [Member]
Loans and leases	75
1-4 family real estate
Loans and leases	382,142
1-4 family real estate \| Nonperforming Financial Instruments [Member]
Loans and leases	2,969
1-4 family real estate \| One To Four Family [Member] \| Delinquency Status [Member]
2021	67,843
2020	86,487
2019	24,428
2018	13,340
2017	13,954
Prior	56,603
Revolving Loans Amortized Cost Basis	28
Loans and leases	262,683
1-4 family real estate \| One To Four Family [Member] \| Non Performing Greater Than Ninety Days Past Due [Member]
2019	72
Prior	364
Loans and leases	436
1-4 family real estate \| One To Four Family [Member] \| Performing Loans
2021	67,843
2020	86,487
2019	24,356
2018	13,340
2017	13,954
Prior	56,239
Revolving Loans Amortized Cost Basis	28
Loans and leases	262,247
Residential real estate
Loans and leases		252,121
Residential real estate \| Delinquency Status [Member]
Loans and leases		252,121
Residential real estate \| Performing Less Than Ninety Days Past Due [Member}
Loans and leases		251,099
Residential real estate \| Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases		1,022
Residential real estate \| Nonperforming Financial Instruments [Member]
Loans and leases		1,022
Consumer
Loans and leases	69,438
Consumer \| Delinquency Status [Member]
2021	3,465
2020	6,882
2019	2,788
2018	2,321
2017	865
Prior	3,035
Revolving Loans Amortized Cost Basis	50,082
Loans and leases	69,438
Consumer \| Non Performing Greater Than Ninety Days Past Due [Member]
2021	47
2017	17
Prior	1
Revolving Loans Amortized Cost Basis	1
Loans and leases	66
Consumer \| Performing Loans
2021	3,418
2020	6,882
2019	2,788
2018	2,321
2017	848
Prior	3,034
Revolving Loans Amortized Cost Basis	50,081
Loans and leases	69,372
Consumer \| Nonperforming Financial Instruments [Member]
Loans and leases	$ 66
Lease Residential and Consumer Portfolio Segments [Member] \| Delinquency Status [Member]
Loans and leases		$ 580,945
As a % of Total		100.00%
Lease Residential and Consumer Portfolio Segments [Member] \| Performing Less Than Ninety Days Past Due [Member}
Loans and leases		$ 578,380
As a % of Total		99.56%
Lease Residential and Consumer Portfolio Segments [Member] \| Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases		$ 2,565
As a % of Total		0.44%
Installment and other consumer loans
Loans and leases		$ 91,302
Installment and other consumer loans \| Delinquency Status [Member]
Loans and leases		91,302
Installment and other consumer loans \| Performing Less Than Ninety Days Past Due [Member}
Loans and leases		91,094
Installment and other consumer loans \| Non Performing Greater Than Ninety Days Past Due [Member]
Loans and leases		208
Installment and other consumer loans \| Nonperforming Financial Instruments [Member]
Loans and leases		$ 208

NOTE 3 - LOANS_LEASES RECEIV_14

NOTE 3 - LOANS/LEASES RECEIVABLE - Troubled Debt Restructurings (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Number of Loans / Leases	3	2	3	5
Pre-Modification Recorded Investment	$ 2,599	$ 78	$ 2,599	$ 256
Post-Modification Recorded Investment	2,599	$ 78	2,599	$ 256
Specific Allowance	$ 189		189
Payment Deferral [Member]
Number of Loans / Leases		2		5
Pre-Modification Recorded Investment		$ 78	$ 256
Post-Modification Recorded Investment		$ 78		$ 256
Interest Rate Adjusted Below Market
Number of Loans / Leases	2		2
Pre-Modification Recorded Investment	$ 67		$ 67
Post-Modification Recorded Investment	67		67
Specific Allowance	$ 7		$ 7
Direct financing leases \| Payment Deferral [Member]
Number of Loans / Leases		2		3
Pre-Modification Recorded Investment		$ 78		$ 145
Post-Modification Recorded Investment		$ 78		$ 145
Commercial Portfolio Segment [Member] \| Payment Deferral [Member]
Number of Loans / Leases				2
Pre-Modification Recorded Investment				$ 111
Post-Modification Recorded Investment				$ 111
1-4 family real estate \| Interest Rate Adjusted Below Market
Number of Loans / Leases	1		1
Pre-Modification Recorded Investment	$ 54		$ 54
Post-Modification Recorded Investment	54		54
Specific Allowance	$ 6		$ 6
Consumer \| Extended Maturity [Member]
Number of Loans / Leases	1		1
Pre-Modification Recorded Investment	$ 2,532		$ 2,532
Post-Modification Recorded Investment	2,532		2,532
Specific Allowance	$ 182		$ 182
Consumer \| Interest Rate Adjusted Below Market
Number of Loans / Leases	1		1
Pre-Modification Recorded Investment	$ 13		$ 13
Post-Modification Recorded Investment	13		13
Specific Allowance	$ 1		$ 1

NOTE 3 - LOANS_LEASES RECEIV_15

NOTE 3 - LOANS/LEASES RECEIVABLE - Adoption of ASU 2016-13 (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Balance	$ 81,831	$ 42,233	$ 84,376	$ 36,001
Provision for Loan, Lease, and Other Losses		19,915	6,713	28,282
Balance	78,894	$ 60,827	78,894	$ 60,827
Accounting Standards Update 2016-13
Balance	(8,102)		(8,102)
Unfunded Loan Commitment
Balance	9,846
Provision for Loan, Lease, and Other Losses	141		870
Balance	9,987		9,987
Unfunded Loan Commitment \| Accounting Standards Update 2016-13
Balance	$ 9,117		$ 9,117

NOTE 4 - DERIVATIVES AND HEDG_3

NOTE 4 - DERIVATIVES AND HEDGING ACTIVITIES (Details) $ in Thousands	6 Months Ended
	Jun. 30, 2021USD ($)	Dec. 31, 2020USD ($)item
Deposits	$ 4,688,935	$ 4,599,137
Cash Flow Hedging
Deposits	300,000
Interest rate cap
Number redesignated interest rate caps \| item		3
Amount of derivatives redesignated		$ 800
Interest rate cap \| Cash Flow Hedging
Initial premium paid upfront for the two caps	$ 3,500

NOTE 4 - DERIVATIVES AND HEDG_4

NOTE 4 - DERIVATIVES AND HEDGING ACTIVITIES - Summary of Derivatives (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Derivative Assets	$ 193,395	$ 222,757
Derivative Liabilities	(196,092)	(229,270)
Interest rate cap
Derivative Assets	158	67
Interest rate cap \| Cash Flow Hedging
Derivative Assets	613	259
Interest rate swap
Derivative Assets	191,134	222,431
Derivative Liabilities	(191,134)	(222,431)
Interest rate swap \| Cash Flow Hedging
Derivative Assets	1,490
Derivative Liabilities	$ (4,958)	$ (6,839)

NOTE 4 - DERIVATIVES AND HEDG_5

NOTE 4 - DERIVATIVES AND HEDGING ACTIVITIES - Summary of Interest Rate Cap Derivatives (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2021	Dec. 31, 2020
Derivative Assets	$ 193,395	$ 222,757
Interest rate swap
Derivative Assets	191,134	222,431
Interest rate cap
Derivative Assets	158	67
Cash Flow Hedging \| Interest rate swap
Derivative Assets	1,490
Cash Flow Hedging \| Interest rate cap
Derivative Assets	613	259
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging
Notional Amount	150,000
Fair Value - Asset	1,490
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Derivative Instrument One Maturing 2023 [Member]
Notional Amount	25,000
Fair Value - Asset	$ 3	3
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Derivative Instrument One Maturing 2023 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.75%
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Derivative Instrument Two Maturing 2023 [Member]
Notional Amount	$ 50,000
Fair Value - Asset	$ 8	5
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Derivative Instrument Two Maturing 2023 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.57%
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Derivative Instrument Three Maturing 2023 [Member]
Notional Amount	$ 25,000
Fair Value - Asset	$ 3	3
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Derivative Instrument Three Maturing 2023 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.80%
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Derivative Instrument One Maturing 2024 [Member]
Notional Amount	$ 25,000
Fair Value - Asset	$ 35	15
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Derivative Instrument One Maturing 2024 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.75%
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Derivative Instrument Two Maturing 2024 [Member]
Notional Amount	$ 50,000
Fair Value - Asset	$ 73	31
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Derivative Instrument Two Maturing 2024 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.57%
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Derivative Instrument Three Maturing 2024 [Member]
Notional Amount	$ 25,000
Fair Value - Asset	$ 37	15
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Derivative Instrument Three Maturing 2024 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.80%
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Derivative Instrument One Maturing 2025 [Member]
Notional Amount	$ 25,000
Fair Value - Asset	$ 110	46
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Derivative Instrument One Maturing 2025 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.75%
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Derivative Instrument Two Maturing 2025 [Member]
Notional Amount	$ 50,000
Fair Value - Asset	$ 229	94
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Derivative Instrument Two Maturing 2025 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.57%
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Derivative Instrument Four Maturing 2025 [Member]
Notional Amount	$ 25,000
Fair Value - Asset	$ 115	47
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Derivative Instrument Four Maturing 2025 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.80%
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| QCBT - Loans
Notional Amount	$ 35,000
Fair Value - Asset	$ 351
Receive Rate	1.40%
Pay Rate	2.81%
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| CRBT - Loans
Notional Amount	$ 50,000
Fair Value - Asset	$ 502
Receive Rate	1.40%
Pay Rate	2.81%
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| CSB - Loans
Notional Amount	$ 40,000
Fair Value - Asset	$ 386
Receive Rate	1.40%
Pay Rate	2.81%
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| SFCB - Loans
Notional Amount	$ 25,000
Fair Value - Asset	$ 251
Receive Rate	1.40%
Pay Rate	2.81%
Designated as Hedging Instrument \| Derivative Assets \| Cash Flow Hedging \| Interest rate cap
Notional Amount	$ 300,000
Fair Value - Asset	613	259
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Interest rate swap
Notional Amount	39,000
Fair Value - Liability	(4,958)	(6,839)
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| QCR Holdings Statutory Trust II
Notional Amount	10,000
Fair Value - Liability	$ (1,282)	(1,767)
Receive Rate	3.00%
Pay Rate	5.85%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| QCR Holdings Statutory Trust III
Notional Amount	$ 8,000
Fair Value - Liability	$ (1,025)	(1,414)
Receive Rate	3.00%
Pay Rate	5.85%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| QCR Holdings Statutory Trust V
Notional Amount	$ 10,000
Fair Value - Liability	$ (1,246)	(1,721)
Receive Rate	1.74%
Pay Rate	4.54%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Community National Statutory Trust II
Notional Amount	$ 3,000
Fair Value - Liability	$ (383)	(529)
Receive Rate	2.30%
Pay Rate	5.17%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Community National Statutory Trust III
Notional Amount	$ 3,500
Fair Value - Liability	$ (447)	(616)
Receive Rate	1.87%
Pay Rate	4.75%
Designated as Hedging Instrument \| Derivative Liabilities \| Cash Flow Hedging \| Guaranty Bankshares Statutory Trust I
Notional Amount	$ 4,500
Fair Value - Liability	$ (575)	(792)
Receive Rate	1.87%
Pay Rate	4.75%
Not Designated as Hedging Instrument \| Interest rate swap
Derivative Assets	$ 191,134	222,431
Not Designated as Hedging Instrument \| Derivative Assets
Notional Amount	75,000
Derivative Assets	158	67
Not Designated as Hedging Instrument \| Derivative Assets \| Derivative Instrument One Maturing 2023 [Member]
Notional Amount	25,000
Derivative Assets	$ 3	2
Not Designated as Hedging Instrument \| Derivative Assets \| Derivative Instrument One Maturing 2023 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.90%
Not Designated as Hedging Instrument \| Derivative Assets \| Derivative Instrument One Maturing 2024 [Member]
Notional Amount	$ 25,000
Derivative Assets	$ 35	15
Not Designated as Hedging Instrument \| Derivative Assets \| Derivative Instrument One Maturing 2024 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.90%
Not Designated as Hedging Instrument \| Derivative Assets \| Derivative Instrument One Maturing 2025 [Member]
Notional Amount	$ 25,000
Derivative Assets	$ 120	$ 50
Not Designated as Hedging Instrument \| Derivative Assets \| Derivative Instrument One Maturing 2025 [Member] \| London Interbank Offered Rate (LIBOR)
Derivative, Basis Spread on Variable Rate	1.90%

NOTE 4 - DERIVATIVES AND HEDG_6

NOTE 4 - DERIVATIVES AND HEDGING ACTIVITIES - Significantly Impact of operations (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Derivative Assets	$ 193,395		$ 193,395		$ 222,757
Derivative Liabilities	196,092		196,092		229,270
Interest rate swap
Derivative Assets	191,134		191,134		222,431
Derivative Liabilities	191,134		191,134		222,431
Fee Income On Derivative Contracts	9,600	$ 19,900	23,100	$ 26,700
Not Designated as Hedging Instrument \| Interest rate swap
Derivative Asset, Notional Amount	3,149,265		3,149,265		1,539,602
Derivative Assets	191,134		191,134		222,431
Derivative Liability, Notional Amount	3,149,265		3,149,265		1,539,602
Derivative Liabilities	$ 191,134		$ 191,134		$ 222,431

NOTE 4 - DERIVATIVES AND HEDG_7

NOTE 4 - DERIVATIVES AND HEDGING ACTIVITIES - Hedged Interest Rate Swaps and Non-hedged Interest Rate Swaps (Details) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2021	Dec. 31, 2020
Derivative [Line Items]
Swapped loan portfolio loan-to-value percentage, including the potential swap exposure	65.00%
Interest rate swap
Derivative [Line Items]
Interest rate swaps collateralized by investment securities	$ 190,900	$ 224,930
Interest rate swap \| Cash
Derivative [Line Items]
Interest rate swaps collateralized by investment securities	22,660	45,719
Interest rate swap \| U.S. govt. sponsored agency securities.
Derivative [Line Items]
Interest rate swaps collateralized by investment securities	3,612	3,628
Interest rate swap \| Municipal securities
Derivative [Line Items]
Interest rate swaps collateralized by investment securities	85,895	85,937
Interest rate swap \| Residential mortgage-backed and related securities
Derivative [Line Items]
Interest rate swaps collateralized by investment securities	$ 78,733	$ 89,646

NOTE 5 - INCOME TAXES - Reconci

NOTE 5 - INCOME TAXES - Reconciliation of the Expected Federal Income Tax Expense (Details) - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2021	Jun. 30, 2020	Jun. 30, 2021	Jun. 30, 2020
Income Taxes
Computed "expected" tax expense	$ 5,699	$ 3,472	$ 10,219	$ 6,226
Tax exempt income, net	(1,802)	(1,247)	(3,521)	(2,472)
Bank-owned life insurance	(95)	(115)	(194)	(170)
State income taxes, net of federal benefit, current year	1,247	776	2,271	1,453
Tax Credits	(57)	(116)	(114)	(232)
Excess tax benefit on stock options exercised and restricted stock awards vested	(40)	2	(204)	(262)
Other	(164)	26	(128)	139
Federal and state income tax expense	$ 4,788	$ 2,798	$ 8,329	$ 4,682
Computed "expected" tax expense (in percentage)	21.00%	21.00%	21.00%	21.00%
Tax exempt income, net (in percentage)	(6.60%)	(7.50%)	(7.20%)	(8.30%)
Bank-owned life insurance (in percentage)	(0.40%)	(0.70%)	(0.40%)	(0.60%)
State income taxes, net of federal benefit, current year (in percentage)	4.60%	4.70%	4.70%	4.90%
Tax credits (in percentage)	(0.20%)	(0.70%)	(0.20%)	(0.80%)
Excess tax benefit on stock options exercised and restricted stock awards vested (in percentage)	(0.10%)		(0.40%)	(0.90%)
Other (in percentage)	(0.60%)	0.10%	(0.30%)	0.50%
Federal and state income tax expense (in percentage)	17.60%	16.90%	17.20%	15.80%

NOTE 6 - EARNINGS PER SHARE - B

NOTE 6 - EARNINGS PER SHARE - Basic and Diluted (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended				6 Months Ended
	Jun. 30, 2021	Mar. 31, 2021	Jun. 30, 2020	Mar. 31, 2020	Jun. 30, 2021	Jun. 30, 2020
Earnings per Share
Net income	$ 22,349	$ 17,982	$ 13,739	$ 11,228	$ 40,331	$ 24,967
Basic EPS	$ 1.41		$ 0.87		$ 2.55	$ 1.58
Diluted EPS	$ 1.39		$ 0.86		$ 2.52	$ 1.56
Weighted average common shares outstanding	15,813,932		15,747,056		15,808,788	15,771,926
Weighted average common shares issuable upon exercise of stock options and under the employee stock purchase plan (in shares)	231,307		148,280		226,606	185,032
Weighted average common and common equivalent shares outstanding (in shares)	16,045,239		15,895,336		16,035,394	15,956,958

NOTE 7 - FAIR VALUE (Details)

NOTE 7 - FAIR VALUE (Details) - USD ($) $ in Thousands	Jun. 30, 2021	Dec. 31, 2020
Securities available for sale, at fair value	$ 337,286	$ 361,966
Derivatives	193,395	222,757
Assets Fair Value	87,242	9,948
Derivatives	196,092	229,270
Interest rate swap
Derivatives	191,134	222,431
Derivatives	191,134	222,431
Fair Value, Inputs, Level 3 [Member]
Assets Fair Value	87,242	9,948
Fair Value, Measurements, Recurring [Member]
Derivatives	193,395	222,757
Assets Fair Value	530,681	584,723
Liabilities Fair Value	196,092	229,270
Fair Value, Measurements, Recurring [Member] \| Interest rate swap
Derivatives	196,092	229,270
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Derivatives	193,395	222,757
Assets Fair Value	530,681	584,723
Liabilities Fair Value	196,092	229,270
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Interest rate swap
Derivatives	196,092	229,270
U.S. govt. sponsored agency securities
Securities available for sale, at fair value	14,670	15,336
U.S. govt. sponsored agency securities \| Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	14,670	15,336
U.S. govt. sponsored agency securities \| Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	14,670	15,336
Residential mortgage-backed and related securities
Securities available for sale, at fair value	106,138	132,842
Residential mortgage-backed and related securities \| Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	106,138	132,842
Residential mortgage-backed and related securities \| Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	106,138	132,842
Asset-backed securities
Securities available for sale, at fair value	31,779	40,683
Asset-backed securities \| Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	31,779	40,683
Asset-backed securities \| Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	31,779	40,683
Municipal securities.
Securities available for sale, at fair value	169,320	152,408
Municipal securities. \| Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	169,320	152,408
Municipal securities. \| Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	169,320	152,408
Other Securities
Securities available for sale, at fair value	15,379	20,697
Other Securities \| Fair Value, Measurements, Recurring [Member]
Securities available for sale, at fair value	15,379	20,697
Other Securities \| Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Securities available for sale, at fair value	15,379	20,697
Impaired Loans Leases [Member]
Assets Fair Value	85,276	9,926
Impaired Loans Leases [Member] \| Fair Value, Inputs, Level 3 [Member]
Assets Fair Value	85,276	9,926
Other Real Estate Owned [Member]
Assets Fair Value	1,966	22
Other Real Estate Owned [Member] \| Fair Value, Inputs, Level 3 [Member]
Assets Fair Value	$ 1,966	$ 22

NOTE 7 - FAIR VALUE - Quantitat

NOTE 7 - FAIR VALUE - Quantitative Information About Level Fair Value Measurements (Details) $ in Thousands	Jun. 30, 2021USD ($)item	Dec. 31, 2020USD ($)
Fair value	$ 87,242	$ 9,948
Impaired Loans Leases [Member]
Fair value	$ 85,276	9,926
Valuation technique	qcrh:ValuationTechniqueAppraisalOfCollateralMember
Unobservable input	us-gaap:MeasurementInputAppraisedValueMember
Impaired Loans Leases [Member] \| Minimum
Impaired loans/leases, measurement input \| item	(10)
Impaired Loans Leases [Member] \| Maximum
Impaired loans/leases, measurement input \| item	(30)
Other Real Estate Owned [Member]
Fair value	$ 1,966	22
Valuation technique, OREO	qcrh:ValuationTechniqueAppraisalOfCollateralMember
Unobservable input, OREO	us-gaap:MeasurementInputAppraisedValueMember
Other Real Estate Owned [Member] \| Minimum
OREO, measurement input \| item	0
Other Real Estate Owned [Member] \| Maximum
OREO, measurement input \| item	(35)
Fair Value, Inputs, Level 3 [Member]
Fair value	$ 87,242	9,948
Fair Value, Inputs, Level 3 [Member] \| Impaired Loans Leases [Member]
Fair value	85,276	9,926
Fair Value, Inputs, Level 3 [Member] \| Other Real Estate Owned [Member]
Fair value	$ 1,966	$ 22

NOTE 7 - FAIR VALUE - Carrying

NOTE 7 - FAIR VALUE - Carrying Values and Estimated Fair Values of Financial Assets and Liabilities (Details) - USD ($) $ in Thousands	6 Months Ended	12 Months Ended
	Jun. 30, 2021	Dec. 31, 2020
Interest-bearing deposits at financial institutions	$ 87,440	$ 86,596
Securities held to maturity, fair value	523,442	521,277
Securities available for sale, at fair value	337,286	361,966
Derivatives	193,395	222,757
Derivatives	196,092	229,270
Interest rate cap
Derivatives	158	67
Interest rate swap
Derivatives	191,134	222,431
Derivatives	191,134	222,431
Fair Value, Inputs, Level 1 [Member] \| Carrying Value
Cash and due from banks	55,598	61,329
Fair Value, Inputs, Level 1 [Member] \| Estimated Fair Value
Cash and due from banks	55,598	61,329
Fair Value, Inputs, Level 2 [Member] \| Carrying Value
Federal funds sold	1,340	9,080
Securities held to maturity, fair value	473,159	476,165
Securities available for sale, at fair value	337,286	361,966
Loans/leases receivable, net	4,259,852	4,157,562
Short-term borrowings	7,070	5,430
FHLB advances	40,000	15,000
Subordinated notes	113,771	118,691
Junior subordinated debentures	38,067	37,993
Fair Value, Inputs, Level 2 [Member] \| Carrying Value \| Non-maturity Deposits [Member]
Deposits	4,232,439	4,138,478
Fair Value, Inputs, Level 2 [Member] \| Carrying Value \| Time Deposits [Member]
Deposits	456,496	460,659
Fair Value, Inputs, Level 2 [Member] \| Carrying Value \| Interest rate cap
Derivatives	193,395	222,757
Fair Value, Inputs, Level 2 [Member] \| Carrying Value \| Interest rate swap
Derivatives	196,092	229,270
Fair Value, Inputs, Level 2 [Member] \| Carrying Value \| Interest-bearing Deposits [Member]
Interest-bearing deposits at financial institutions	87,440	86,596
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value
Federal funds sold	1,340	9,080
Securities held to maturity, fair value	523,442	521,277
Securities available for sale, at fair value	337,286	361,966
Loans/leases receivable, net	4,174,761	4,112,735
Short-term borrowings	7,070	5,430
FHLB advances	39,996	14,998
Subordinated notes	116,441	112,406
Junior subordinated debentures	30,799	30,618
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value \| Non-maturity Deposits [Member]
Deposits	4,232,439	4,138,478
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value \| Time Deposits [Member]
Deposits	453,483	465,681
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value \| Interest rate cap
Derivatives	193,395	222,757
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value \| Interest rate swap
Derivatives	196,092	229,270
Fair Value, Inputs, Level 2 [Member] \| Estimated Fair Value \| Interest-bearing Deposits [Member]
Interest-bearing deposits at financial institutions	87,440	86,596
Fair Value, Inputs, Level 3 [Member] \| Carrying Value
Loans/leases receivable, net	78,959	9,191
Fair Value, Inputs, Level 3 [Member] \| Estimated Fair Value
Loans/leases receivable, net	85,276	9,926
Fair Value, Measurements, Recurring [Member]
Derivatives	193,395	222,757
Fair Value, Measurements, Recurring [Member] \| Interest rate swap
Derivatives	196,092	229,270
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Derivatives	193,395	222,757
Fair Value, Measurements, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member] \| Interest rate swap
Derivatives	$ 196,092	$ 229,270

NOTE 8 - BUSINESS SEGMENT INF_3

NOTE 8 - BUSINESS SEGMENT INFORMATION - (Details)	Jun. 30, 2021subsidiary
Number of subsidiaries commercial banks	4
Commercial Banking
Number of subsidiaries commercial banks	4

NOTE 8 - BUSINESS SEGMENT INF_4

NOTE 8 - BUSINESS SEGMENT INFORMATION - Selected Financial Information on the Company's Business Segments (Details) - USD ($) $ in Thousands	3 Months Ended				6 Months Ended
	Jun. 30, 2021	Mar. 31, 2021	Jun. 30, 2020	Mar. 31, 2020	Jun. 30, 2021	Jun. 30, 2020	Dec. 31, 2020
Total revenue	$ 68,199		$ 77,276		$ 139,253	$ 141,454
Net interest income	43,516		40,948		85,491	78,646
Provision for credit losses			19,915		6,713	28,282
Net income (loss) from continuing operations	22,349	$ 17,982	13,739	$ 11,228	40,331	24,967
Goodwill	74,066		74,248		74,066	74,248	$ 74,066
Intangibles	10,365		13,872		10,365	13,872	11,381
Total assets	5,805,165		5,604,761		5,805,165	5,604,761	$ 5,682,797
Intersegment Eliminations [Member]
Total revenue	(102)		(17,788)		(224)	(33,502)
Net interest income	327		245		575	477
Net income (loss) from continuing operations	(26,589)		(17,421)		(49,446)	(32,674)
Total assets	(179,303)		(765,385)		(179,303)	(765,385)
Commercial Banking \| QCBT \| Operating Segments [Member]
Total revenue	21,676		21,712		42,960	43,399
Net interest income	16,152		15,653		31,938	30,080
Provision for credit losses	136		7,539		2,248	10,722
Net income (loss) from continuing operations	8,679		3,999		15,843	9,723
Goodwill	3,223		3,223		3,223	3,223
Total assets	2,059,634		1,984,245		2,059,634	1,984,245
Commercial Banking \| CRBT \| Operating Segments [Member]
Total revenue	26,498		35,505		56,855	58,384
Net interest income	14,005		12,820		27,611	24,206
Provision for credit losses	(692)		7,160		1,492	9,410
Net income (loss) from continuing operations	11,145		11,043		22,541	17,504
Goodwill	14,980		14,980		14,980	14,980
Intangibles	1,946		2,437		1,946	2,437
Total assets	1,913,761		2,021,043		1,913,761	2,021,043
Commercial Banking \| CSB \| Operating Segments [Member]
Total revenue	10,809		9,853		21,232	20,074
Net interest income	8,672		7,538		17,040	15,038
Provision for credit losses	756		2,811		2,122	4,775
Net income (loss) from continuing operations	3,109		569		5,171	1,635
Goodwill	9,888		9,888		9,888	9,888
Intangibles	2,979		3,643		2,979	3,643
Total assets	1,079,930		903,648		1,079,930	903,648
Commercial Banking \| SFCB \| Operating Segments [Member]
Total revenue	9,181		9,533		17,927	18,224
Net interest income	6,479		6,201		12,548	11,843
Provision for credit losses	(200)		2,405		851	3,375
Net income (loss) from continuing operations	3,685		1,899		5,954	4,105
Goodwill	45,975		45,975		45,975	45,975
Intangibles	5,440		6,344		5,440	6,344
Total assets	850,067		745,470		850,067	745,470
Other Segments \| Operating Segments [Member]
Total revenue	137		18,461		503	34,875
Net interest income	(2,119)		(1,509)		(4,221)	(2,998)
Net income (loss) from continuing operations	22,320		13,650		40,268	24,674
Goodwill			182			182
Intangibles			1,448			1,448
Total assets	$ 81,076		$ 715,740		$ 81,076	$ 715,740

NOTE 9 - REGULATORY CAPITAL R_3

NOTE 9 - REGULATORY CAPITAL REQUIREMENTS - (Details) $ in Thousands	Jun. 30, 2021USD ($)	Dec. 31, 2020USD ($)
Total risk-based capital, actual, amount	$ 760,593	$ 721,004
Total risk-based capital, actual, ratio	0.1472	14.95
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 413,445	$ 385,832
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	8.00%	8.00%
Total risk-based capital for capital adequacy purposes, amount	$ 542,647	$ 506,404
Total risk-based capital for capital adequacy purposes, ratio	10.50	10.50
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 516,806	$ 482,290
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	10	10
Tier 1 risk-based capital, actual, amount	$ 581,919	$ 546,729
Tier 1 risk-based capital, actual, ratio	0.1126	11.34
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 310,084	$ 289,374
Tier 1 risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	6.00%	6.00%
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 439,285	$ 409,946
Tier 1 risk-based capital for capital adequacy purposes, ratio	8.50	8.50
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 413,445	$ 385,832
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	8	8
Tier 1 leverage, actual, amount	$ 581,919	$ 546,729
Tier 1 leverage, actual, ratio	0.1029	9.49
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 226,250	$ 230,345
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer	4.00%	4.00%
Tier 1 leverage for capital adequacy purposes, amount	$ 226,250	$ 230,345
Tier 1 leverage for capital adequacy purposes, ratio	4	4
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 282,812	$ 287,931
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	5	5
Common equity Tier 1, actual, amount	$ 543,852	$ 508,736
Common equity Tier 1, actual ratio	0.1052	10.55
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 232,563	$ 217,030
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer	4.50%	4.50%
Common equity Tier 1 for capital adequacy purposes, amount	$ 361,764	$ 337,603
Common equity Tier 1 for capital adequacy purposes, ratio	7.00%	7.00%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 335,924	$ 313,488
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
QCBT
Total risk-based capital, actual, amount	$ 228,180	$ 213,608
Total risk-based capital, actual, ratio	0.1315	12.24
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 138,799	$ 139,581
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	8.00%	8.00%
Total risk-based capital for capital adequacy purposes, amount	$ 182,174	$ 183,200
Total risk-based capital for capital adequacy purposes, ratio	10.50	10.50
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 173,499	$ 174,477
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	10	10
Tier 1 risk-based capital, actual, amount	$ 206,355	$ 191,693
Tier 1 risk-based capital, actual, ratio	0.1189	10.99
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 104,099	$ 104,686
Tier 1 risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	6.00%	6.00%
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 147,474	$ 148,305
Tier 1 risk-based capital for capital adequacy purposes, ratio	8.50	8.50
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 138,799	$ 139,581
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	8	8
Tier 1 leverage, actual, amount	$ 206,355	$ 191,693
Tier 1 leverage, actual, ratio	0.0975	8.48
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 84,699	$ 90,430
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer	4.00%	4.00%
Tier 1 leverage for capital adequacy purposes, amount	$ 84,699	$ 90,430
Tier 1 leverage for capital adequacy purposes, ratio	4	4
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 105,874	$ 113,038
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	5	5
Common equity Tier 1, actual, amount	$ 206,355	$ 191,693
Common equity Tier 1, actual ratio	0.1189	10.99
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 78,075	$ 78,514
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer	4.50%	4.50%
Common equity Tier 1 for capital adequacy purposes, amount	$ 121,449	$ 122,134
Common equity Tier 1 for capital adequacy purposes, ratio	7.00%	7.00%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 112,774	$ 113,410
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
CRBT
Total risk-based capital, actual, amount	$ 243,211	$ 217,227
Total risk-based capital, actual, ratio	0.1386	13.14
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 140,431	$ 132,269
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	8.00%	8.00%
Total risk-based capital for capital adequacy purposes, amount	$ 184,316	$ 173,603
Total risk-based capital for capital adequacy purposes, ratio	10.50	10.50
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 175,539	$ 165,336
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	10	10
Tier 1 risk-based capital, actual, amount	$ 221,202	$ 196,438
Tier 1 risk-based capital, actual, ratio	0.1260	11.88
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 105,323	$ 99,202
Tier 1 risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	6.00%	6.00%
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 149,208	$ 140,536
Tier 1 risk-based capital for capital adequacy purposes, ratio	8.50	8.50
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 140,431	$ 132,269
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	8	8
Tier 1 leverage, actual, amount	$ 221,202	$ 196,438
Tier 1 leverage, actual, ratio	0.1195	10.01
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 74,072	$ 78,535
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer	4.00%	4.00%
Tier 1 leverage for capital adequacy purposes, amount	$ 74,072	$ 78,535
Tier 1 leverage for capital adequacy purposes, ratio	4	4
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 92,590	$ 98,169
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	5	5
Common equity Tier 1, actual, amount	$ 221,202	$ 196,438
Common equity Tier 1, actual ratio	0.1260	11.88
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 78,992	$ 74,401
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer	4.50%	4.50%
Common equity Tier 1 for capital adequacy purposes, amount	$ 122,877	$ 115,735
Common equity Tier 1 for capital adequacy purposes, ratio	7.00%	7.00%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 114,100	$ 107,469
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
CSB
Total risk-based capital, actual, amount	$ 114,512	$ 108,040
Total risk-based capital, actual, ratio	0.1199	12.69
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 76,389	$ 68,117
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	8.00%	8.00%
Total risk-based capital for capital adequacy purposes, amount	$ 100,261	$ 89,404
Total risk-based capital for capital adequacy purposes, ratio	10.50	10.50
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 95,487	$ 85,146
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	10	10
Tier 1 risk-based capital, actual, amount	$ 102,521	$ 97,350
Tier 1 risk-based capital, actual, ratio	0.1074	11.43
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 57,292	$ 51,088
Tier 1 risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	6.00%	6.00%
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 81,164	$ 72,374
Tier 1 risk-based capital for capital adequacy purposes, ratio	8.50	8.50
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 76,389	$ 68,117
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	8	8
Tier 1 leverage, actual, amount	$ 102,521	$ 97,350
Tier 1 leverage, actual, ratio	0.0978	10.27
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 41,943	$ 37,930
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer	4.00%	4.00%
Tier 1 leverage for capital adequacy purposes, amount	$ 41,943	$ 37,930
Tier 1 leverage for capital adequacy purposes, ratio	4	4
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 52,429	$ 47,412
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	5	5
Common equity Tier 1, actual, amount	$ 102,521	$ 97,350
Common equity Tier 1, actual ratio	0.1074	11.43
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 42,969	$ 38,316
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer	4.50%	4.50%
Common equity Tier 1 for capital adequacy purposes, amount	$ 66,841	$ 59,602
Common equity Tier 1 for capital adequacy purposes, ratio	7.00%	7.00%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 62,066	$ 55,345
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%
SFCB
Total risk-based capital, actual, amount	$ 91,663	$ 90,334
Total risk-based capital, actual, ratio	0.1260	14.35
Total risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 58,189	$ 50,357
Total risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	8.00%	8.00%
Total risk-based capital for capital adequacy purposes, amount	$ 76,373	$ 66,094
Total risk-based capital for capital adequacy purposes, ratio	10.50	10.50
Total risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 72,736	$ 62,947
Total risk-based capital to be well capitalized under prompt corrective action provisions, ratio	10	10
Tier 1 risk-based capital, actual, amount	$ 82,554	$ 77,668
Tier 1 risk-based capital, actual, ratio	0.1135	12.34
Tier 1 risk-based capital for capital adequacy purposes, amount, without capital conservation buffer	$ 43,641	$ 37,768
Tier 1 risk-based capital for capital adequacy purposes, ratio, without capital conservation buffer	6.00%	6.00%
Tier 1 risk-based capital for capital adequacy purposes, amount	$ 61,825	$ 53,505
Tier 1 risk-based capital for capital adequacy purposes, ratio	8.50	8.50
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, amount	$ 58,189	$ 50,357
Tier 1 risk-based capital to be well capitalized under prompt corrective action provisions, ratio	8	8
Tier 1 leverage, actual, amount	$ 82,554	$ 77,668
Tier 1 leverage, actual, ratio	0.1053	10.87
Tier 1 leverage for capital adequacy purposes, amount, without capital conservation buffer	$ 31,351	$ 28,575
Tier 1 leverage for capital adequacy purposes, ratio, without capital conservation buffer	4.00%	4.00%
Tier 1 leverage for capital adequacy purposes, amount	$ 31,351	$ 28,575
Tier 1 leverage for capital adequacy purposes, ratio	4	4
Tier 1 leverage to be well capitalized under prompt corrective action provisions, amount	$ 39,189	$ 35,719
Tier 1 leverage to be well capitalized under prompt corrective action provisions, ratio	5	5
Common equity Tier 1, actual, amount	$ 82,554	$ 77,668
Common equity Tier 1, actual ratio	0.1135	12.34
Common equity Tier 1 for capital adequacy purposes, amount, without capital conservation buffer	$ 32,731	$ 28,326
Common equity Tier 1 for capital adequacy purposes, ratio, without capital conservation buffer	4.50%	4.50%
Common equity Tier 1 for capital adequacy purposes, amount	$ 50,915	$ 44,063
Common equity Tier 1 for capital adequacy purposes, ratio	7.00%	7.00%
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, amount	$ 47,278	$ 40,915
Common equity Tier 1 to be well capitalized under prompt corrective action provisions, ratio	6.50%	6.50%