Note 4 - Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2014

Note 4 - Loans and Allowance for Loan Losses (Tables) [Line Items]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

											Percent
	September 30, 2014					December 31, 2013					Increase
	Balance		%			Balance		%			(Decrease)
Originated loans
Commercial:
Commercial and industrial	$	362,329,000		30.5	%	$	286,373,000		27.2	%		26.5	%
Vacant land, land development, and residential construction		30,246,000		2.5			36,741,000		3.5			(17.7	)
Real estate – owner occupied		267,072,000		22.5			261,877,000		24.9			2.0
Real estate – non-owner occupied		401,762,000		33.9			364,066,000		34.6			10.4
Real estate – multi-family and residential rental		42,393,000		3.6			37,639,000		3.5			12.6
Total commercial		1,103,802,000		93.0			986,696,000		93.7			11.9
Retail:
Home equity and other		44,917,000		3.8			35,080,000		3.3			28.0
1-4 family mortgages		37,994,000		3.2			31,467,000		3.0			20.7
Total retail		82,911,000		7.0			66,547,000		6.3			24.6
Total originated loans	$	1,186,713,000		100.0	%	$	1,053,243,000		100.0	%		12.7	%

										Percent
	September 30, 2014					December 31, 2013				Increase
	Balance		%			Balance		%		(Decrease)
Acquired loans
Commercial:
Commercial and industrial	$	179,476,000		20.4	%	$	0		NA		NM
Vacant land, land development, and residential construction		21,972,000		2.5			0		NA		NM
Real estate – owner occupied		145,398,000		16.5			0		NA		NM
Real estate – non-owner occupied		182,660,000		20.7			0		NA		NM
Real estate – multi-family and residential rental		53,256,000		6.0			0		NA		NM
Total commercial		582,762,000		66.1			0		NA		NM
Retail:
Home equity and other		119,033,000		13.5			0		NA		NM
1-4 family mortgages		179,757,000		20.4			0		NA		NM
Total retail		298,790,000		33.9			0		NA		NM
Total acquired loans	$	881,552,000		100.0	%	$	0		NA		NM

											Percent
	September 30, 2014					December 31, 2013					Increase
	Balance		%			Balance		%			(Decrease)
Total loans
Commercial:
Commercial and industrial	$	541,805,000		26.2	%	$	286,373,000		27.2	%		89.2	%
Vacant land, land development, and residential construction		52,218,000		2.5			36,741,000		3.5			42.1
Real estate – owner occupied		412,470,000		19.9			261,877,000		24.9			57.5
Real estate – non-owner occupied		584,422,000		28.3			364,066,000		34.6			60.5
Real estate – multi-family and residential rental		95,649,000		4.6			37,639,000		3.5			154.1
Total commercial		1,686,564,000		81.5			986,696,000		93.7			70.9
Retail:
Home equity and other		163,950,000		7.9			35,080,000		3.3			367.4
1-4 family mortgages		217,751,000		10.6			31,467,000		3.0			592.0
Total retail		381,701,000		18.5			66,547,000		6.3			473.6
Total loans	$	2,068,265,000		100.0	%	$	1,053,243,000		100.0	%		96.4	%

Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Accretable Yield Movement [Table Text Block]

Balance at June 30, 2014	$	2,411,000
Additions		0
Accretion		(285,000	)
Net reclassification from nonaccretable to accretable		0
Disposals		(48,000	)
Ending balance	$	2,078,000

Balance at December 31, 2013	$	0
Additions		2,514,000
Accretion		(388,000	)
Net reclassification from nonaccretable to accretable		0
Disposals		(48,000	)
Ending balance	$	2,078,000

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

	September 30,		December 31,
	2014		2013
Loans past due 90 days or more still accruing interest	$	0	$	0
Nonaccrual loans		4,856,000		6,718,000
Total nonperforming originated loans	$	4,856,000	$	6,718,000

	September 30,		December 31,
	2014		2013
Loans past due 90 days or more still accruing interest	$	81,000	$	NA
Nonaccrual loans		1,134,000		NA
Total nonperforming aquired loans	$	1,215,000	$	NA

	September 30,		December 31,
	2014		2013
Commercial:
Commercial and industrial	$	350,000	$	1,501,000
Vacant land, land development, and residential construction		222,000		785,000
Real estate – owner occupied		733,000		389,000
Real estate – non-owner occupied		329,000		168,000
Real estate – multi-family and residential rental		331,000		208,000
Total commercial		1,965,000		3,051,000
Retail:
Home equity and other		914,000		788,000
1-4 family mortgages		3,192,000		2,879,000
Total retail		4,106,000		3,667,000
Total nonperforming loans	$	6,071,000	$	6,718,000

Past Due Financing Receivables [Table Text Block]

					Greater								Recorded
	30 – 59		60 – 89		Than 89								Balance > 89
	Days		Days		Days		Total				Total		Days and
	Past Due		Past Due		Past Due		Past Due		Current		Loans		Accruing
Originated loans
Commercial:
Commercial and industrial	$	0	$	0	$	0	$	0	$	362,329,000	$	362,329,000	$	0
Vacant land, land development, and residential construction		0		0		0		0		30,246,000		30,246,000		0
Real estate – owner occupied		0		0		217,000		217,000		266,855,000		267,072,000		0
Real estate – non-owner occupied		201,000		0		0		201,000		401,561,000		401,762,000		0
Real estate – multi-family and residential rental		0		0		0		0		42,393,000		42,393,000		0
Total commercial		201,000		0		217,000		418,000		1,103,384,000		1,103,802,000		0
Retail:
Home equity and other		67,000		0		0		67,000		44,850,000		44,917,000		0
1-4 family mortgages		33,000		0		344,000		377,000		37,617,000		37,994,000		0
Total retail		100,000		0		344,000		444,000		82,467,000		82,911,000		0
Total past due loans	$	301,000	$	0	$	561,000	$	862,000	$	1,185,851,000	$	1,186,713,000	$	0

					Greater								Recorded
	30 – 59		60 – 89		Than 89								Balance > 89
	Days		Days		Days		Total				Total		Days and
	Past Due		Past Due		Past Due		Past Due		Current		Loans		Accruing
Acquired loans
Commercial:
Commercial and industrial	$	66,000	$	11,000	$	23,000	$	100,000	$	179,376,000	$	179,476,000	$	0
Vacant land, land development, and residential construction		0		0		0		0		21,972,000		21,972,000		0
Real estate – owner occupied		112,000		0		1,914,000		2,026,000		143,372,000		145,398,000		0
Real estate – non-owner occupied		0		0		2,732,000		2,732,000		179,928,000		182,660,000		0
Real estate – multi-family and residential rental		0		0		81,000		81,000		53,175,000		53,256,000		0
Total commercial		178,000		11,000		4,750,000		4,939,000		577,823,000		582,762,000		0
Retail:
Home equity and other		405,000		122,000		103,000		630,000		118,403,000		119,033,000		3,000
1-4 family mortgages		1,684,000		504,000		844,000		3,032,000		176,725,000		179,757,000		238,000
Total retail		2,089,000		626,000		947,000		3,662,000		295,128,000		298,790,000		241,000
Total past due loans	$	2,267,000	$	637,000	$	5,697,000	$	8,601,000	$	872,951,000	$	881,552,000	$	241,000

					Greater								Recorded
	30 – 59		60 – 89		Than 89								Balance > 89
	Days		Days		Days		Total				Total		Days and
	Past Due		Past Due		Past Due		Past Due		Current		Loans		Accruing
Originated loans
Commercial:
Commercial and industrial	$	0	$	0	$	309,000	$	309,000	$	286,064,000	$	286,373,000	$	0
Vacant land, land development, and residential construction		0		0		0		0		36,741,000		36,741,000		0
Real estate –owner occupied		65,000		0		50,000		115,000		261,762,000		261,877,000		0
Real estate –non-owner occupied		0		0		0		0		364,066,000		364,066,000		0
Real estate –multi-family and residential rental		0		0		64,000		64,000		37,575,000		37,639,000		0
Total commercial		65,000		0		423,000		488,000		986,208,000		986,696,000		0
Retail:
Home equity and other		14,000		0		0		14,000		35,066,000		35,080,000		0
1-4 family mortgages		21,000		44,000		375,000		440,000		31,027,000		31,467,000		0
Total retail		35,000		44,000		375,000		454,000		66,093,000		66,547,000		0
Total past due loans	$	100,000	$	44,000	$	798,000	$	942,000	$	1,052,301,000	$	1,053,243,000	$	0

Impaired Financing Receivables [Table Text Block]

							Third Quarter		Year-To-Date
	Unpaid						Average		Average
	Contractual		Recorded				Recorded		Recorded
	Principal		Principal		Related		Principal		Principal
	Balance		Balance		Allowance		Balance		Balance
With no related allowance recorded
Commercial:
Commercial and industrial	$	1,250,000	$	1,250,000		-	$	691,000	$	525,000
Vacant land, land development and residential construction		545,000		222,000				111,000		232,000
Real estate – owner occupied		19,499,000		17,815,000				9,227,000		4,981,000
Real estate – non-owner occupied		575,000		575,000				576,000		911,000
Real estate – multi-family and residential rental		0		0				0		0
Total commercial		21,869,000		19,862,000				10,605,000		6,649,000
Retail:
Home equity and other		707,000		639,000				642,000		598,000
1-4 family mortgages		1,102,000		547,000				553,000		591,000
Total retail		1,809,000		1,186,000				1,195,000		1,189,000
Total with no related allowance recorded	$	23,678,000	$	21,048,000			$	11,800,000	$	7,838,000

							Third Quarter		Year-To-Date
	Unpaid						Average		Average
	Contractual		Recorded				Recorded		Recorded
	Principal		Principal		Related		Principal		Principal
	Balance		Balance		Allowance		Balance		Balance
With an allowance recorded
Commercial:
Commercial and industrial	$	5,404,000	$	5,363,000	$	2,251,000	$	3,087,000	$	2,142,000
Vacant land, land development and residential construction		2,798,000		2,798,000		318,000		3,049,000		3,536,000
Real estate – owner occupied		2,218,000		2,016,000		628,000		2,238,000		1,869,000
Real estate – non-owner occupied		17,023,000		17,023,000		6,489,000		17,377,000		18,819,000
Real estate – multi-family and residential rental		1,861,000		1,808,000		799,000		1,679,000		1,783,000
Total commercial		29,304,000		29,008,000		10,485,000		27,430,000		28,149,000
Retail:
Home equity and other		117,000		87,000		87,000		88,000		139,000
1-4 family mortgages		2,206,000		2,073,000		792,000		2,093,000		2,144,000
Total retail		2,323,000		2,160,000		879,000		2,181,000		2,283,000
Total with an allowance recorded	$	31,627,000	$	31,168,000	$	11,364,000	$	29,611,000	$	30,432,000
Total impaired loans:
Commercial	$	51,173,000	$	48,870,000	$	10,485,000	$	38,035,000	$	34,798,000
Retail		4,132,000		3,346,000		879,000		3,376,000		3,472,000
Total impaired loans	$	55,305,000	$	52,216,000	$	11,364,000	$	41,411,000	$	38,270,000

							Third Quarter		Year-To-Date
	Unpaid						Average		Average
	Contractual		Recorded				Recorded		Recorded
	Principal		Principal		Related		Principal		Principal
	Balance		Balance		Allowance		Balance		Balance
With no related allowance recorded
Commercial:
Commercial and industrial	$	2,229,000	$	511,000		-	$	1,170,000	$	1,378,000
Vacant land, land development and residential construction		475,000		362,000				907,000		1,148,000
Real estate – owner occupied		1,270,000		785,000				865,000		1,159,000
Real estate – non-owner occupied		895,000		733,000				4,651,000		4,878,000
Real estate – multi-family and residential rental		41,000		1,000				425,000		487,000
Total commercial		4,910,000		2,392,000				8,018,000		9,050,000
Retail:
Home equity and other		507,000		461,000				466,000		474,000
1-4 family mortgages		1,272,000		647,000				715,000		746,000
Total retail		1,779,000		1,108,000				1,181,000		1,220,000
Total with no related allowance recorded	$	6,689,000	$	3,500,000			$	9,199,000	$	10,270,000

							Third Quarter		Year-To-Date
	Unpaid						Average		Average
	Contractual		Recorded				Recorded		Recorded
	Principal		Principal		Related		Principal		Principal
	Balance		Balance		Allowance		Balance		Balance
With an allowance recorded
Commercial:
Commercial and industrial	$	1,517,000	$	1,440,000	$	792,000	$	1,764,000	$	1,990,000
Vacant land, land development and  residential construction		4,436,000		4,139,000		844,000		4,466,000		3,158,000
Real estate – owner occupied		1,513,000		1,513,000		528,000		2,330,000		2,810,000
Real estate – non-owner occupied		21,088,000		21,072,000		7,969,000		28,789,000		30,216,000
Real estate – multi-family and residential rental		3,219,000		2,684,000		1,127,000		2,639,000		2,973,000
Total commercial		31,773,000		30,848,000		11,260,000		39,988,000		41,147,000
Retail:
Home equity and other		320,000		289,000		96,000		309,000		339,000
1-4 family mortgages		2,274,000		2,231,000		1,030,000		2,480,000		1,477,000
Total retail		2,594,000		2,520,000		1,126,000		2,789,000		1,816,000
Total with an allowance recorded	$	34,367,000	$	33,368,000	$	12,386,000	$	42,777,000	$	42,963,000
Total impaired loans:
Commercial	$	36,683,000	$	33,240,000	$	11,260,000	$	48,006,000	$	50,197,000
Retail		4,373,000		3,628,000		1,126,000		3,970,000		3,036,000
Total impaired loans	$	41,056,000	$	36,868,000	$	12,386,000	$	51,976,000	$	53,233,000

Financing Receivable Credit Quality Indicators [Table Text Block]

			Commercial
			Vacant Land,						Commercial
			Land		Commercial		Commercial		Real Estate -
	Commercial		Development,		Real Estate -		Real Estate -		Multi-Family
	and		and Residential		Owner		Non-Owner		and Residential
	Industrial		Construction		Occupied		Occupied		Rental
Internal credit risk grade groupings:
Grades 1 – 4	$	248,213,000	$	7,451,000	$	169,127,000	$	270,074,000	$	17,812,000
Grades 5 – 7		107,038,000		19,774,000		78,049,000		118,498,000		22,758,000
Grades 8 – 9		7,078,000		3,021,000		19,896,000		13,190,000		1,823,000
Total commercial	$	362,329,000	$	30,246,000	$	267,072,000	$	401,762,000	$	42,393,000

			Commercial
			Vacant Land,						Commercial
			Land		Commercial		Commercial		Real Estate -
	Commercial		Development,		Real Estate -		Real Estate -		Multi-Family
	and		and Residential		Owner		Non-Owner		and Residential
	Industrial		Construction		Occupied		Occupied		Rental
Internal credit risk grade groupings:
Grades 1 – 4	$	72,928,000	$	4,931,000	$	35,824,000	$	69,611,000	$	24,144,000
Grades 5 – 7		102,862,000		15,711,000		100,845,000		105,564,000		28,654,000
Grades 8 – 9		3,686,000		1,330,000		8,729,000		7,485,000		458,000
Total commercial	$	179,476,000	$	21,972,000	$	145,398,000	$	182,660,000	$	53,256,000

			Commercial
			Vacant Land,						Commercial
			Land		Commercial		Commercial		Real Estate -
	Commercial		Development,		Real Estate -		Real Estate -		Multi-Family
	and		and Residential		Owner		Non-Owner		and Residential
	Industrial		Construction		Occupied		Occupied		Rental
Internal credit risk grade groupings:
Grades 1 – 4	$	208,151,000	$	6,973,000	$	156,230,000	$	219,325,000	$	15,465,000
Grades 5 – 7		76,237,000		25,535,000		103,066,000		122,717,000		19,469,000
Grades 8 – 9		1,985,000		4,233,000		2,581,000		22,024,000		2,705,000
Total commercial	$	286,373,000	$	36,741,000	$	261,877,000	$	364,066,000	$	37,639,000

Allowance for Credit Losses on Financing Receivables [Table Text Block]

	Commercial			Retail
	Loans			Loans			Unallocated			Total
Allowance for loan losses:
Balance at June 30, 2014	$	19,107,000		$	1,774,000		$	(25,000	)	$	20,856,000
Provision for loan losses		(473,000	)		63,000			10,000			(400,000	)
Charge-offs		(24,000	)		(321,000	)		0			(345,000	)
Recoveries		102,000			161,000			0			263,000
Ending balance	$	18,712,000		$	1,677,000		$	(15,000	)	$	20,374,000
Allowance for loan losses:
Balance at December 31, 2013	$	20,455,000		$	2,358,000		$	8,000		$	22,821,000
Provision for loan losses		(2,251,000	)		(726,000	)		(23,000	)		(3,000,000	)
Charge-offs		(708,000	)		(328,000	)		0			(1,036,000	)
Recoveries		1,216,000			373,000			0			1,589,000
Ending balance	$	18,712,000		$	1,677,000		$	(15,000	)	$	20,374,000
Ending balance: individually evaluated for impairment	$	10,485,000		$	879,000		$	0		$	11,364,000
Ending balance: collectively evaluated for impairment	$	8,227,000		$	798,000		$	(15,000	)	$	9,010,000
Total loans:
Ending balance	$	1,103,802,000		$	82,911,000					$	1,186,713,000
Ending balance: individually evaluated for impairment	$	48,870,000		$	3,346,000					$	52,216,000
Ending balance: collectively evaluated for impairment	$	1,054,932,000		$	79,565,000					$	1,134,497,000

	Commercial			Retail
	Loans			Loans			Unallocated			Total
Allowance for loan losses:
Balance at June 30, 2013	$	22,382,000		$	2,559,000		$	6,000		$	24,947,000
Provision for loan losses		(1,730,000	)		(7,000	)		37,000			(1,700,000	)
Charge-offs		0			(85,000	)		0			(85,000	)
Recoveries		2,002,000			31,000			0			2,033,000
Ending balance	$	22,654,000		$	2,498,000		$	43,000		$	25,195,000
Allowance for loan losses:
Balance at December 31, 2012	$	26,043,000		$	2,645,000		$	(11,000	)	$	28,677,000
Provision for loan losses		(4,375,000	)		(379,000	)		54,000			(4,700,000	)
Charge-offs		(2,774,000	)		(107,000	)		0			(2,881,000	)
Recoveries		3,760,000			339,000			0			4,099,000
Ending balance	$	22,654,000		$	2,498,000		$	43,000		$	25,195,000
Ending balance: individually evaluated for impairment	$	13,860,000		$	1,203,000		$	0		$	15,063,000
Ending balance: collectively evaluated for impairment	$	8,794,000		$	1,295,000		$	43,000		$	10,132,000
Total loans:
Ending balance	$	1,007,763,000		$	67,724,000					$	1,075,487,000
Ending balance: individually evaluated for impairment	$	46,426,000		$	3,851,000					$	50,277,000
Ending balance: collectively evaluated for impairment	$	961,337,000		$	63,873,000					$	1,025,210,000

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

			Pre-		Post-
			Modification		Modification
			Recorded		Recorded
	Number of		Principal		Principal
	Contracts		Balance		Balance
Originated loans
Commercial:
Commercial and industrial		2	$	5,994,000	$	6,094,000
Vacant land, land development and  residential construction		0		0		0
Real estate – owner occupied		2		16,787,000		16,787,000
Real estate – non-owner occupied		0		0		0
Real estate – multi-family and  residential rental		0		0		0
Total originated commercial		4		22,781,000		22,881,000
Retail:
Home equity and other		0		0		0
1-4 family mortgages		0		0		0
Total originated retail		0		0		0
Total originated loans		4	$	22,781,000	$	22,881,000
Acquired loans
Commercial:
Commercial and industrial		0	$	0	$	0
Vacant land, land development and  residential construction		0		0		0
Real estate – owner occupied		0		0		0
Real estate – non-owner occupied		0		0		0
Real estate – multi-family and  residential rental		0		0		0
Total acquired commercial		0		0		0
Retail:
Home equity and other		0		0		0
1-4 family mortgages		0		0		0
Total acquired retail		0		0		0
Total acquired loans		0	$	0	$	0

			Pre-		Post-
			Modification		Modification
			Recorded		Recorded
	Number of		Principal		Principal
	Contracts		Balance		Balance
Total loans
Commercial:
Commercial and industrial		2	$	5,994,000	$	6,094,000
Vacant land, land development and  residential construction		0		0		0
Real estate – owner occupied		2		16,787,000		16,787,000
Real estate – non-owner occupied		0		0		0
Real estate – multi-family and  residential rental		0		0		0
Total commercial		4		22,781,000		22,881,000
Retail:
Home equity and other		0		0		0
1-4 family mortgages		0		0		0
Total retail		0		0		0
Total loans		4	$	22,781,000	$	22,881,000

			Pre-		Post-
			Modification		Modification
			Recorded		Recorded
	Number of		Principal		Principal
	Contracts		Balance		Balance
Originated loans
Commercial:
Commercial and industrial		2	$	5,994,000	$	6,094,000
Vacant land, land development and residential construction		0		0		0
Real estate – owner occupied		3		17,783,000		17,783,000
Real estate – non-owner occupied		1		146,000		146,000
Real estate – multi-family and residential rental		0		0		0
Total originated commercial		6		23,923,000		24,023,000
Retail:
Home equity and other		0		0		0
1-4 family mortgages		0		0		0
Total originated retail		0		0		0
Total originated loans		6	$	23,923,000	$	24,023,000

			Pre-		Post-
			Modification		Modification
			Recorded		Recorded
	Number of		Principal		Principal
	Contracts		Balance		Balance
Acquired loans
Commercial:
Commercial and industrial		0	$	0	$	0
Vacant land, land development and  residential construction		0		0		0
Real estate – owner occupied		0		0		0
Real estate – non-owner occupied		0		0		0
Real estate – multi-family and residential rental		0		0		0
Total acquired commercial		0		0		0
Retail:
Home equity and other		0		0		0
1-4 family mortgages		0		0		0
Total acquired		0		0		0
Total acquired loans		0	$	0	$	0
Total loans
Commercial:
Commercial and industrial		2	$	5,994,000	$	6,094,000
Vacant land, land development and  residential construction		0		0		0
Real estate – owner occupied		3		17,783,000		17,783,000
Real estate – non-owner occupied		1		146,000		146,000
Real estate – multi-family and residential rental		0		0		0
Total commercial		6		23,923,000		24,023,000
Retail:
Home equity and other		0		0		0
1-4 family mortgages		0		0		0
Total retail		0		0		0
Total loans		6	$	23,923,000	$	24,023,000

			Pre-		Post-
			Modification		Modification
			Recorded		Recorded
	Number of		Principal		Principal
	Contracts		Balance		Balance
Originated loans
Commercial:
Commercial and industrial		1	$	553,000	$	553,000
Vacant land, land development and residential construction		0		0		0
Real estate – owner occupied		0		0		0
Real estate – non-owner occupied		2		171,000		171,000
Real estate – multi-family and residential rental		2		346,000		346,000
Total originated commercial		5		1,070,000		1,070,000
Retail:
Home equity and other		0		0		0
1-4 family mortgages		0		0		0
Total originated retail		0		0		0
Total originated loans		5	$	1,070,000	$	1,070,000

			Pre-		Post-
			Modification		Modification
			Recorded		Recorded
	Number of		Principal		Principal
	Contracts		Balance		Balance
Originated loans
Commercial:
Commercial and industrial		2	$	613,000	$	613,000
Vacant land, land development and residential construction		2		3,247,000		3,247,000
Real estate – owner occupied		3		909,000		909,000
Real estate – non-owner occupied		4		2,239,000		2,239,000
Real estate – multi-family and residential rental		2		346,000		346,000
Total originated commercial		13		7,354,000		7,354,000
Retail:
Home equity and other		0		0		0
1-4 family mortgages		1		1,879,000		1,879,000
Total originated retail		1		1,879,000		1,879,000
Total originated loans		14	$	9,233,000	$	9,233,000

Troubled Debt Restructurings on Financing Receivables WithIn Previous Twelve Months that Became Over Thirty Days Past Due [Table Text Block]

			Recorded
	Number of		Principal
	Contracts		Balance
Commercial:
Commercial and industrial		0	$	0
Vacant land, land development and residential construction		0		0
Real estate – owner occupied		0		0
Real estate – non-owner occupied		0		0
Real estate – multi-family and residential rental		0		0
Total commercial		0		0
Retail:
Home equity and other		0		0
1-4 family mortgages		0		0
Total retail		0		0
Total		0	$	0

			Recorded
	Number of		Principal
	Contracts		Balance
Commercial:
Commercial and industrial		0	$	0
Vacant land, land development and residential construction		0		0
Real estate – owner occupied		0		0
Real estate – non-owner occupied		0		0
Real estate – multi-family and residential rental		0		0
Total commercial		0		0
Retail:
Home equity and other		0		0
1-4 family mortgages		0		0
Total retail		0		0
Total		0	$	0

			Recorded
	Number of		Principal
	Contracts		Balance
Commercial:
Commercial and industrial		0	$	0
Vacant land, land development and residential construction		0		0
Real estate – owner occupied		0		0
Real estate – non-owner occupied		0		0
Real estate – multi-family and residential rental		0		0
Total commercial		0		0
Retail:
Home equity and other		0		0
1-4 family mortgages		0		0
Total retail		0		0
Total		0	$	0

			Recorded
	Number of		Principal
	Contracts		Balance
Commercial:
Commercial and industrial		0	$	0
Vacant land, land development and residential construction		0		0
Real estate – owner occupied		0		0
Real estate – non-owner occupied		0		0
Real estate – multi-family and residential rental		0		0
Total commercial		0		0
Retail:
Home equity and other		0		0
1-4 family mortgages		0		0
Total retail		0		0
Total		0	$	0

Trouble Debt Restructuring Activity [Table Text Block]

				Commercial									Commercial
				Vacant Land,			Commercial			Commercial			Real Estate -
	Commercial			Land Development,			Real Estate -			Real Estate -			Multi-Family
	and			and Residential			Owner			Non-Owner			and Residential
	Industrial			Construction			Occupied			Occupied			Rental
Commercial Loan Portfolio:
Beginning Balance	$	1,176,000		$	3,786,000		$	2,711,000		$	18,664,000		$	719,000
Charge-Offs		0			0			0			0			0
Payments		(205,000	)		(287,000	)		(91,000	)		(655,000	)		(130,000	)
Transfers to ORE		(21,000	)		0			0			0			0
Net Additions/Deletions		6,315,000			0			16,748,000			0			0
Ending Balance	$	7,265,000		$	3,499,000		$	19,368,000		$	18,009,000		$	589,000

	Retail		Retail
	Home Equity		1-4 Family
	and Other		Mortgages
Retail Loan Portfolio:
Beginning Balance	$	0	$	2,077,000
Charge-Offs		0		0
Payments		0		(51,000	)
Transfers to ORE		0		0
Net Additions/Deletions		0		0
Ending Balance	$	0	$	2,026,000

				Commercial									Commercial
				Vacant Land,			Commercial			Commercial			Real Estate -
	Commercial			Land Development,			Real Estate -			Real Estate -			Multi-Family
	and			and Residential			Owner			Non-Owner			and Residential
	Industrial			Construction			Occupied			Occupied			Rental
Commercial Loan Portfolio:
Beginning Balance	$	1,656,000		$	4,501,000		$	1,816,000		$	22,311,000		$	2,620,000
Charge-Offs		(67,000	)		0			(11,000	)		0			(420,000	)
Payments		(632,000	)		(3,901,000	)		(181,000	)		(4,621,000	)		(1,611,000	)
Transfers to ORE		(21,000	)		0			0			0			0
Net Additions/Deletions		6,329,000			2,899,000			17,744,000			319,000			0
Ending Balance	$	7,265,000		$	3,499,000		$	19,368,000		$	18,009,000		$	589,000

	Retail		Retail
	Home Equity		1-4 Family
	and Other		Mortgages
Retail Loan Portfolio:
Beginning Balance	$	0	$	2,191,000
Charge-Offs		0		0
Payments		0		(165,000	)
Transfers to ORE		0		0
Net Additions/Deletions		0		0
Ending Balance	$	0	$	2,026,000

				Commercial									Commercial
				Vacant Land,			Commercial			Commercial			Real Estate -
	Commercial			Land Development,			Real Estate -			Real Estate -			Multi-Family
	and			and Residential			Owner			Non-Owner			and Residential
	Industrial			Construction			Occupied			Occupied			Rental
Commercial Loan Portfolio:
Beginning Balance	$	2,266,000		$	5,440,000		$	3,580,000		$	34,424,000		$	2,775,000
Charge-Offs		0			0			0			0			0
Payments		(324,000	)		(303,000	)		(271,000	)		(1,690,000	)		(295,000	)
Transfers to ORE		0			0			0			(350,000	)		0
Net Additions/Deletions		466,000			0			(652,000	)		68,000			343,000
Ending Balance	$	2,408,000		$	5,137,000		$	2,657,000		$	32,452,000		$	2,823,000

	Retail			Retail
	Home Equity			1-4 Family
	and Other			Mortgages
Retail Loan Portfolio:
Beginning Balance	$	2,029,000		$	0
Charge-Offs		0			0
Payments		(16,000	)		0
Transfers to ORE		0			0
Net Additions/Deletions		0			0
Ending Balance	$	2,013,000		$	0

				Commercial									Commercial
				Vacant Land,			Commercial			Commercial			Real Estate -
	Commercial			Land Development,			Real Estate -			Real Estate -			Multi-Family
	and			and Residential			Owner			Non-Owner			and Residential
	Industrial			Construction			Occupied			Occupied			Rental
Commercial Loan Portfolio:
Beginning Balance	$	2,721,000		$	3,071,000		$	4,116,000		$	37,672,000		$	3,026,000
Charge-Offs		(35,000	)		(725,000	)		(70,000	)		(716,000	)		(15,000	)
Payments		(1,902,000	)		(456,000	)		(1,310,000	)		(5,475,000	)		(530,000	)
Transfers to ORE		(74,000	)		0			(363,000	)		(1,153,000	)		0
Net Additions/Deletions		1,698,000			3,247,000			284,000			2,124,000			342,000
Ending Balance	$	2,408,000		$	5,137,000		$	2,657,000		$	32,452,000		$	2,823,000

	Retail			Retail
	Home Equity			1-4 Family
	and Other			Mortgages
Retail Loan Portfolio:
Beginning Balance	$	155,000		$	0
Charge-Offs		0			0
Payments		(21,000	)		0
Transfers to ORE		0			0
Net Additions/Deletions		1,879,000			0
Ending Balance	$	2,013,000		$	0

Allowance Related to Loans Categorized as Troubled Debt Restructurings [Table Text Block]

	September 30,		December 31,
	2014		2013
Commercial:
Commercial and industrial	$	514,000	$	187,000
Vacant land, land development, and residential construction		1,672,000		798,000
Real estate – owner occupied		1,419,000		528,000
Real estate – non-owner occupied		1,773,000		7,828,000
Real estate – multi-family and residential rental		5,855,000		1,010,000
Total commercial		11,233,000		10,351,000
Retail:
Home equity and other		0		0
1-4 family mortgages		0		0
Total retail		0		0
Total related allowance	$	11,233,000	$	10,351,000

Retail Loan [Member]

Note 4 - Loans and Allowance for Loan Losses (Tables) [Line Items]

Financing Receivable Credit Quality Indicators [Table Text Block]

	Retail		Retail
	Home Equity		1-4 Family
	and Other		Mortgages
Total retail	$	44,917,000	$	37,994,000

	Retail		Retail
	Home Equity		1-4 Family
	and Other		Mortgages
Total retail	$	119,033,000	$	179,757,000

	Retail		Retail
	Home Equity		1-4 Family
	and Other		Mortgages
Total retail	$	35,080,000	$	31,467,000