XML 33 R23.htm IDEA: XBRL DOCUMENT v3.4.0.3
Note 3 - Loans and Allowance for Loan Losses (Tables)
3 Months Ended
Mar. 31, 2016
Note 3 - Loans and Allowance for Loan Losses (Tables) [Line Items]  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
                                   

Percent

 
   

March 31, 2016

   

December 31, 2015

   

Increase

 
   

Balance

   

%

   

Balance

   

%

   

(Decrease)

 

Originated loans

                                       

Commercial:

                                       

Commercial and industrial

  $ 613,570,000       36.4 %   $ 577,872,000       35.7 %     6.2 %

Vacant land, land development, and residential construction

    28,451,000       1.7       30,138,000       1.9       (5.6 )

Real estate – owner occupied

    334,948,000       19.8       330,798,000       20.5       1.3  

Real estate – non-owner occupied

    549,226,000       32.5       520,754,000       32.2       5.5  

Real estate – multi-family and residential rental

    36,582,000       2.2       33,954,000       2.1       7.7  

Total commercial

    1,562,777,000       92.6       1,493,516,000       92.4       4.6  
                                         

Retail:

                                       

Home equity and other

    68,342,000       4.1       67,816,000       4.2       0.8  

1-4 family mortgages

    56,357,000       3.3       55,255,000       3.4       2.0  

Total retail

    124,699,000       7.4       123,071,000       7.6       1.3  
                                         

Total originated loans

  $ 1,687,476,000       100.0 %   $ 1,616,587,000       100.0 %     4.4 %
                                   

Percent

 
   

March 31, 2016

   

December 31, 2015

   

Increase

 
   

Balance

   

%

   

Balance

   

%

   

(Decrease)

 

Acquired loans

                                       

Commercial:

                                       

Commercial and industrial

  $ 101,042,000       16.6 %   $ 118,431,000       17.9 %     (14.7% )

Vacant land, land development, and residential construction

    11,179,000       1.9       14,982,000       2.3       (25.4 )

Real estate – owner occupied

    106,714,000       17.5       115,121,000       17.4       (7.3 )

Real estate – non-owner occupied

    116,787,000       19.2       123,597,000       18.7       (5.5 )

Real estate – multi-family and residential rental

    75,951,000       12.5       81,049,000       12.3       (6.3 )

Total commercial

    411,673,000       67.7       453,180,000       68.6       (9.2 )
                                         

Retail:

                                       

Home equity and other

    67,341,000       11.1       72,830,000       11.0       (7.5 )

1-4 family mortgages

    129,178,000       21.2       135,130,000       20.4       (4.4 )

Total retail

    196,519,000       32.3       207,960,000       31.4       (5.5 )
                                         

Total acquired loans

  $ 608,192,000       100.0 %   $ 661,140,000       100.0 %     (8.0% )
                                   

Percent

 
   

March 31, 2016

   

December 31, 2015

   

Increase

 
   

Balance

   

%

   

Balance

   

%

   

(Decrease)

 

Total loans

                                       

Commercial:

                                       

Commercial and industrial

  $ 714,612,000       31.1 %   $ 696,303,000       30.6 %     2.6 %

Vacant land, land development, and residential construction

    39,630,000       1.7       45,120,000       2.0       (12.2 )

Real estate – owner occupied

    441,662,000       19.3       445,919,000       19.6       (1.0 )

Real estate – non-owner occupied

    666,013,000       29.0       644,351,000       28.3       3.4  

Real estate – multi-family and residential rental

    112,533,000       4.9       115,003,000       5.0       (2.1 )

Total commercial

    1,974,450,000       86.0       1,946,696,000       85.5       1.4  
                                         

Retail:

                                       

Home equity and other

    135,683,000       5.9       140,646,000       6.2       (3.5 )

1-4 family mortgages

    185,535,000       8.1       190,385,000       8.3       (2.5 )

Total retail

    321,218,000       14.0       331,031,000       14.5       (3.0 )
                                         

Total loans

  $ 2,295,668,000       100.0 %   $ 2,277,727,000       100.0 %     0.8 %
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Accretable Yield Movement [Table Text Block]

Balance at December 31, 2015

  $ 5,193,000  

Additions

    21,000  

Accretion income

    (680,000 )

Net reclassification from nonaccretable to accretable

    2,372,000  

Reductions (1)

    (587,000 )
         

Balance at March 31, 2016

  $ 6,319,000  
         

Balance at December 31, 2014

  $ 4,998,000  

Additions

    0  

Accretion income

    (646,000 )

Net reclassification from nonaccretable to accretable

    941,000  

Reductions (1)

    (52,000 )
         

Balance at March 31, 2015

  $ 5,241,000  
Schedule of Financing Receivables, Non Accrual Status [Table Text Block]
   

March 31,

   

December 31,

 
   

2016

   

2015

 
                 

Loans past due 90 days or more still accruing interest

  $ 0     $ 0  

Nonaccrual loans

    1,702,000       1,954,000  
                 

Total nonperforming originated loans

  $ 1,702,000     $ 1,954,000  
   

March 31,

   

December 31,

 
   

2016

   

2015

 
                 

Loans past due 90 days or more still accruing interest

  $ 0     $ 5,000  

Nonaccrual loans

    3,140,000       3,485,000  
                 

Total nonperforming acquired loans

  $ 3,140,000     $ 3,490,000  
   

March 31,

   

December 31,

 
   

2016

   

2015

 

Commercial:

               

Commercial and industrial

  $ 486,000     $ 458,000  

Vacant land, land development, and residential construction

    140,000       155,000  

Real estate – owner occupied

    1,641,000       1,797,000  

Real estate – non-owner occupied

    51,000       79,000  

Real estate – multi-family and residential rental

    81,000       157,000  

Total commercial

    2,399,000       2,646,000  
                 

Retail:

               

Home equity and other

    611,000       771,000  

1-4 family mortgages

    1,832,000       2,027,000  

Total retail

    2,443,000       2,798,000  
                 

Total nonperforming loans

  $ 4,842,000     $ 5,444,000  
Past Due Financing Receivables [Table Text Block]
   

30 – 59

Days

 Past Due

   

60 – 89

Days

Past Due

   

Greater

Than 89

Days

Past Due

   

Total

 Past Due

   

Current

   

Total

Loans

   

Recorded

Balance > 89

Days and Accruing

 

Originated loans

                                                       

Commercial:

                                                       

Commercial and industrial

  $ 0     $ 0     $ 0     $ 0     $ 613,570,000     $ 613,570,000     $ 0  

Vacant land, land development, and residential construction

    0       0       0       0       28,451,000       28,451,000       0  

Real estate – owner occupied

    425,000       0       4,000       429,000       334,519,000       334,948,000       0  

Real estate – non-owner occupied

    0       0       0       0       549,226,000       549,226,000       0  

Real estate – multi-family and residential rental

    0       0       0       0       36,582,000       36,582,000       0  

Total commercial

    425,000       0       4,000       429,000       1,562,348,000       1,562,777,000       0  
                                                         

Retail:

                                                       

Home equity and other

    99,000       0       2,000       101,000       68,241,000       68,342,000       0  

1-4 family mortgages

    0       17,000       351,000       368,000       55,989,000       56,357,000       0  

Total retail

    99,000       17,000       353,000       469,000       124,230,000       124,699,000       0  
                                                         

Total past  due loans

  $ 524,000     $ 17,000     $ 357,000     $ 898,000     $ 1,686,578,000     $ 1,687,476,000     $ 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

  $ 20,000     $ 17,000     $ 383,000     $ 420,000     $ 100,622,000     $ 101,042,000     $ 0  

Vacant land, land development, and residential construction

    0       0       0       0       11,179,000       11,179,000       0  

Real estate – owner occupied

    269,000       0       648,000       917,000       105,797,000       106,714,000       0  

Real estate – non-owner occupied

    0       0       498,000       498,000       116,289,000       116,787,000       0  

Real estate – multi-family and residential rental

    15,000       0       65,000       80,000       75,871,000       75,951,000       0  

Total commercial

    304,000       17,000       1,594,000       1,915,000       409,758,000       411,673,000       0  
                                                         

Retail:

                                                       

Home equity and other

    353,000       134,000       19,000       506,000       66,835,000       67,341,000       0  

1-4 family mortgages

    979,000       233,000       381,000       1,593,000       127,585,000       129,178,000       0  

Total retail

    1,332,000       367,000       400,000       2,099,000       194,420,000       196,519,000       0  
                                                         

Total past due loans

  $ 1,636,000     $ 384,000     $ 1,994,000     $ 4,014,000     $ 604,178,000     $ 608,192,000     $ 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

 

Originated loans

                                                       

Commercial:

                                                       

Commercial and  industrial

  $ 0     $ 0     $ 0     $ 0     $ 577,872,000     $ 577,872,000     $ 0  

Vacant land, land development, and residential construction

    0       0       0       0       30,138,000       30,138,000       0  

Real estate – owner occupied

    432,000       0       9,000       441,000       330,357,000       330,798,000       0  

Real estate – non-owner occupied

    0       0       0       0       520,754,000       520,754,000       0  

Real estate – multi-family and residential rental

    0       0       0       0       33,954,000       33,954,000       0  

Total commercial

    432,000       0       9,000       441,000       1,493,075,000       1,493,516,000       0  
                                                         

Retail:

                                                       

Home equity and other

    186,000       108,000       0       294,000       67,522,000       67,816,000       0  

1-4 family mortgages

    107,000       95,000       356,000       558,000       54,697,000       55,255,000       0  

Total retail

    293,000       203,000       356,000       852,000       122,219,000       123,071,000       0  
                                                         

Total past due loans

  $ 725,000     $ 203,000     $ 365,000     $ 1,293,000     $ 1,615,294,000     $ 1,616,587,000     $ 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

  $ 0     $ 5,000     $ 541,000     $ 546,000     $ 117,885,000     $ 118,431,000     $ 0  

Vacant land, land development, and residential construction

    27,000       0       0       27,000       14,955,000       14,982,000       0  

Real estate – owner occupied

    323,000       425,000       1,142,000       1,890,000       113,231,000       115,121,000       0  

Real estate – non-owner occupied

    53,000       703,000       79,000       835,000       122,762,000       123,597,000       0  

Real estate – multi-family and residential rental

    223,000       54,000       0       277,000       80,772,000       81,049,000       0  

Total commercial

    626,000       1,187,000       1,762,000       3,575,000       449,605,000       453,180,000       0  
                                                         

Retail:

                                                       

Home equity and other

    395,000       44,000       28,000       467,000       72,363,000       72,830,000       5,000  

1-4 family mortgages

    960,000       354,000       416,000       1,730,000       133,400,000       135,130,000       0  

Total retail

    1,355,000       398,000       444,000       2,197,000       205,763,000       207,960,000       5,000  
                                                         

Total past due loans

  $ 1,981,000     $ 1,585,000     $ 2,206,000     $ 5,772,000     $ 655,368,000     $ 661,140,000     $ 5,000  
Impaired Financing Receivables [Table Text Block]
                     

First Quarter

 
   

Unpaid

             

Average

 
   

Contractual

   

Recorded

     

Recorded

 
   

Principal

   

Principal

 

Related

 

Principal

 
   

Balance

   

Balance

 

Allowance

 

Balance

 

With no related allowance recorded:

                         

Commercial:

                         

Commercial and industrial

  $ 1,888,000     $ 1,888,000       $ 1,695,000  

Vacant land, land development and residential construction

    0       0         0  

Real estate – owner occupied

    285,000       69,000         287,000  

Real estate – non-owner occupied

    5,659,000       5,659,000         5,678,000  

Real estate – multi-family and residential rental

    0       0         0  

Total commercial

    7,832,000       7,616,000         7,660,000  
                           

Retail:

                         

Home equity and other

    19,000       9,000         7,000  

1-4 family mortgages

    1,222,000       573,000         615,000  

Total retail

    1,241,000       582,000         622,000  
                           

Total with no related allowance recorded

  $ 9,073,000     $ 8,198,000       $ 8,282,000  
                           

First Quarter

 
   

Unpaid

                   

Average

 
   

Contractual

   

Recorded

           

Recorded

 
   

Principal

   

Principal

   

Related

   

Principal

 
   

Balance

   

Balance

   

Allowance

   

Balance

 

With an allowance recorded:

                               

Commercial:

                               

Commercial and industrial

  $ 284,000     $ 235,000     $ 78,000     $ 270,000  

Vacant land, land development and residential construction

    2,010,000       1,640,000       73,000       1,648,000  

Real estate – owner occupied

    5,852,000       1,300,000       238,000       1,307,000  

Real estate – non-owner occupied

    4,754,000       4,754,000       188,000       4,798,000  

Real estate – multi-family and residential rental

    1,006,000       1,006,000       335,000       1,017,000  

Total commercial

    13,906,000       8,935,000       912,000       9,040,000  
                                 

Retail:

                               

Home equity and other

    511,000       470,000       140,000       516,000  

1-4 family mortgages

    165,000       126,000       35,000       127,000  

Total retail

    676,000       596,000       175,000       643,000  
                                 

Total with an allowance recorded

  $ 14,582,000     $ 9,531,000     $ 1,087,000     $ 9,683,000  
                                 

Total impaired loans:

                               

Commercial

  $ 21,738,000     $ 16,551,000     $ 912,000     $ 16,700,000  

Retail

    1,917,000       1,178,000       175,000       1,265,000  

Total impaired loans

  $ 23,655,000     $ 17,729,000     $ 1,087,000     $ 17,965,000  
                     

First Quarter

 
   

Unpaid

             

Average

 
   

Contractual

   

Recorded

     

Recorded

 
   

Principal

   

Principal

 

Related

 

Principal

 
   

Balance

   

Balance

 

Allowance

 

Balance

 

With no related allowance recorded:

                         

Commercial:

                         

Commercial and industrial

  $ 1,456,000     $ 1,430,000       $ 1,462,000  

Vacant land, land development and residential construction

    0       0         0  

Real estate – owner occupied

    1,885,000       1,669,000         1,811,000  

Real estate – non-owner occupied

    773,000       772,000         826,000  

Real estate – multi-family and residential rental

    405,000       282,000         343,000  

Total commercial

    4,519,000       4,153,000         4,442,000  
                           

Retail:

                         

Home equity and other

    394,000       277,000         293,000  

1-4 family mortgages

    1,609,000       1,274,000         1,411,000  

Total retail

    2,003,000       1,551,000         1,704,000  
                           

Total with no related allowance recorded

  $ 6,522,000     $ 5,704,000       $ 6,146,000  
                           

First Quarter

 
   

Unpaid

                   

Average

 
   

Contractual

   

Recorded

           

Recorded

 
   

Principal

   

Principal

   

Related

   

Principal

 
   

Balance

   

Balance

   

Allowance

   

Balance

 

With an allowance recorded:

                               

Commercial:

                               

Commercial and industrial

  $ 391,000     $ 379,000     $ 102,000     $ 378,000  

Vacant land, land development and residential construction

    0       0       0       0  

Real estate – owner occupied

    50,000       50,000       4,000       50,000  

Real estate – non-owner occupied

    0       0       0       0  

Real estate – multi-family and residential rental

    20,000       20,000       1,000       22,000  

Total commercial

    461,000       449,000       107,000       450,000  
                                 

Retail:

                               

Home equity and other

    0       0       0       0  

1-4 family mortgages

    0       0       0       88,000  

Total retail

    0       0       0       88,000  
                                 

Total with an allowance recorded

  $ 461,000     $ 449,000     $ 107,000     $ 538,000  
                                 

Total impaired loans:

                               

Commercial

  $ 4,980,000     $ 4,602,000     $ 107,000     $ 4,892,000  

Retail

    2,003,000       1,551,000       0       1,792,000  

Total impaired loans

  $ 6,983,000     $ 6,153,000     $ 107,000     $ 6,684,000  
                     

First Quarter

 
   

Unpaid

             

Average

 
   

Contractual

   

Recorded

     

Recorded

 
   

Principal

   

Principal

 

Related

 

Principal

 
   

Balance

   

Balance

 

Allowance

 

Balance

 

With no related allowance recorded:

                         

Commercial:

                         

Commercial and industrial

  $ 1,509,000     $ 1,501,000       $ 1,550,000  

Vacant land, land development and residential construction

    0       0         203,000  

Real estate – owner occupied

    712,000       505,000         1,950,000  

Real estate – non-owner occupied

    5,696,000       5,696,000         662,000  

Real estate – multi-family and residential rental

    0       0         313,000  

Total commercial

    7,917,000       7,702,000         4,678,000  
                           

Retail:

                         

Home equity and other

    14,000       5,000         191,000  

1-4 family mortgages

    1,328,000       657,000         547,000  

Total retail

    1,342,000       662,000         738,000  
                           

Total with no related allowance recorded

  $ 9,259,000     $ 8,364,000       $ 5,416,000  
                           

First Quarter

 
   

Unpaid

                   

Average

 
   

Contractual

   

Recorded

           

Recorded

 
   

Principal

   

Principal

   

Related

   

Principal

 
   

Balance

   

Balance

   

Allowance

   

Balance

 

With an allowance recorded:

                               

Commercial:

                               

Commercial and industrial

  $ 352,000     $ 305,000     $ 165,000     $ 5,196,000  

Vacant land, land development and residential construction

    2,017,000       1,655,000       245,000       2,000,000  

Real estate – owner occupied

    5,867,000       1,314,000       242,000       15,596,000  

Real estate – non-owner occupied

    4,841,000       4,841,000       201,000       15,816,000  

Real estate – multi-family and residential rental

    1,028,000       1,028,000       365,000       1,354,000  

Total commercial

    14,105,000       9,143,000       1,218,000       39,962,000  
                                 

Retail:

                               

Home equity and other

    600,000       562,000       209,000       125,000  

1-4 family mortgages

    165,000       128,000       47,000       1,151,000  

Total retail

    765,000       690,000       256,000       1,276,000  
                                 

Total with an allowance recorded

  $ 14,870,000     $ 9,833,000     $ 1,474,000     $ 41,238,000  
                                 

Total impaired loans:

                               

Commercial

  $ 22,022,000     $ 16,845,000     $ 1,218,000     $ 44,640,000  

Retail

    2,107,000       1,352,000       256,000       2,014,000  

Total impaired loans

  $ 24,129,000     $ 18,197,000     $ 1,474,000     $ 46,654,000  
                     

First Quarter

 
   

Unpaid

             

Average

 
   

Contractual

   

Recorded

     

Recorded

 
   

Principal

   

Principal

 

Related

 

Principal

 
   

Balance

   

Balance

 

Allowance

 

Balance

 

With no related allowance recorded:

                         

Commercial:

                         

Commercial and industrial

  $ 1,528,000     $ 1,494,000       $ 1,267,000  

Vacant land, land development and residential construction

    0       0         0  

Real estate – owner occupied

    2,233,000       1,952,000         160,000  

Real estate – non-owner occupied

    880,000       880,000         317,000  

Real estate – multi-family and residential rental

    452,000       404,000         714,000  

Total commercial

    5,093,000       4,730,000         2,458,000  
                           

Retail:

                         

Home equity and other

    471,000       310,000         504,000  

1-4 family mortgages

    1,804,000       1,548,000         894,000  

Total retail

    2,275,000       1,858,000         1,398,000  
                           

Total with no related allowance recorded

  $ 7,368,000     $ 6,588,000       $ 3,856,000  
                           

First Quarter

 
   

Unpaid

                   

Average

 
   

Contractual

   

Recorded

           

Recorded

 
   

Principal

   

Principal

   

Related

   

Principal

 
   

Balance

   

Balance

   

Allowance

   

Balance

 

With an allowance recorded:

                               

Commercial:

                               

Commercial and industrial

  $ 383,000     $ 376,000     $ 102,000     $ 57,000  

Vacant land, land development and residential construction

    0       0       0       0  

Real estate – owner occupied

    51,000       51,000       4,000       1,464,000  

Real estate – non-owner occupied

    0       0       0       0  

Real estate – multi-family and residential rental

    23,000       23,000       0       14,000  

Total commercial

    457,000       450,000       106,000       1,535,000  
                                 

Retail:

                               

Home equity and other

    0       0       0       0  

1-4 family mortgages

    175,000       175,000       6,000       142,000  

Total retail

    175,000       175,000       6,000       142,000  
                                 

Total with an allowance recorded

  $ 632,000     $ 625,000     $ 112,000     $ 1,677,000  
                                 

Total impaired loans:

                               

Commercial

  $ 5,550,000     $ 5,180,000     $ 106,000     $ 3,993,000  

Retail

    2,450,000       2,033,000       6,000       1,540,000  

Total impaired loans

  $ 8,000,000     $ 7,213,000     $ 112,000     $ 5,533,000  
Financing Receivable Credit Quality Indicators [Table Text Block]
   

Commercial and

Industrial

   

Commercial

Vacant Land,

Land Development,

and Residential Construction

   

Commercial

Real Estate -

Owner

Occupied

   

Commercial

Real Estate -

Non-Owner

Occupied

   

Commercial

Real Estate -

Multi-Family

and Residential

Rental

 
                                         

Internal credit risk grade groupings:

                                       

Grades 1 – 4

  $ 417,049,000     $ 16,694,000     $ 231,625,000     $ 434,645,000     $ 19,947,000  

Grades 5 – 7

    196,431,000       11,617,000       101,552,000       114,581,000       15,629,000  

Grades 8 – 9

    90,000       140,000       1,771,000       0       1,006,000  

Total commercial

  $ 613,570,000     $ 28,451,000     $ 334,948,000     $ 549,226,000     $ 36,582,000  
   

Commercial and

Industrial

   

Commercial

Vacant Land,

Land Development,

and Residential Construction

   

Commercial

Real Estate -

Owner

Occupied

   

Commercial

Real Estate -

Non-Owner

Occupied

   

Commercial

Real Estate -

Multi-Family

and Residential

Rental

 
                                         

Internal credit risk grade groupings:

                                       

Grades 1 – 4

  $ 51,717,000     $ 2,892,000     $ 43,806,000     $ 66,096,000     $ 42,159,000  

Grades 5 – 7

    46,749,000       7,811,000       58,971,000       48,792,000       33,071,000  

Grades 8 – 9

    2,576,000       476,000       3,937,000       1,899,000       721,000  

Total commercial

  $ 101,042,000     $ 11,179,000     $ 106,714,000     $ 116,787,000     $ 75,951,000  
   

Commercial and

Industrial

   

Commercial

Vacant Land,

Land Development,

and Residential Construction

   

Commercial

Real Estate -

Owner

Occupied

   

Commercial

Real Estate -

Non-Owner

Occupied

   

Commercial

Real Estate -

Multi-Family

and Residential

Rental

 
                                         

Internal credit risk grade groupings:

                                       

Grades 1 – 4

  $ 417,120,000     $ 18,118,000     $ 230,629,000     $ 400,350,000     $ 19,121,000  

Grades 5 – 7

    160,454,000       10,365,000       98,332,000       120,404,000       13,806,000  

Grades 8 – 9

    298,000       1,655,000       1,837,000       0       1,027,000  

Total commercial

  $ 577,872,000     $ 30,138,000     $ 330,798,000     $ 520,754,000     $ 33,954,000  
   

Commercial and

Industrial

   

Commercial

Vacant Land,

Land Development,

and Residential Construction

   

Commercial

Real Estate -

Owner

Occupied

   

Commercial

Real Estate -

Non-Owner

Occupied

   

Commercial

Real Estate -

Multi-Family

and Residential

Rental

 
                                         

Internal credit risk grade groupings:

                                       

Grades 1 – 4

  $ 67,978,000     $ 3,095,000     $ 45,807,000     $ 71,197,000     $ 44,763,000  

Grades 5 – 7

    47,589,000       11,364,000       63,563,000       50,066,000       35,288,000  

Grades 8 – 9

    2,864,000       523,000       5,751,000       2,334,000       998,000  

Total commercial

  $ 118,431,000     $ 14,982,000     $ 115,121,000     $ 123,597,000     $ 81,049,000  
Allowance for Credit Losses on Financing Receivables [Table Text Block]
   

Commercial

   

Retail

                 
   

Loans

   

Loans

   

Unallocated

   

Total

 
                                 

Allowance for loan losses:

                               

Beginning balance

  $ 13,672,000     $ 1,421,000     $ 140,000     $ 15,233,000  

Provision for loan losses

    94,000       503,000       74,000       671,000  

Charge-offs

    (89,000 )     (386,000 )     0       (475,000 )

Recoveries

    247,000       296,000       0       543,000  

Ending balance

  $ 13,924,000     $ 1,834,000     $ 214,000     $ 15,972,000  
                                 

Ending balance: individually evaluated for impairment

  $ 913,000     $ 175,000     $ 0     $ 1,088,000  
                                 

Ending balance: collectively evaluated for impairment

  $ 13,011,000     $ 1,659,000     $ 214,000     $ 14,884,000  
                                 
                                 

Total loans:

                               

Ending balance

  $ 1,562,777,000     $ 124,699,000             $ 1,687,476,000  
                                 

Ending balance: individually evaluated for impairment

  $ 16,551,000     $ 1,178,000             $ 17,729,000  
                                 

Ending balance: collectively evaluated for impairment

  $ 1,546,226,000     $ 123,521,000             $ 1,669,747,000  
   

Commercial

   

Retail

                 
   

Loans

   

Loans

   

Unallocated

   

Total

 
                                 

Allowance for loan losses:

                               

Beginning balance

  $ 420,000     $ 28,000     $ 0     $ 448,000  

Provision for loan losses

    (110,000 )     39,000       0       (71,000 )

Charge-offs

    0       0       0       0  

Recoveries

    (44,000 )     (43,000 )     0       (87,000 )

Ending balance

  $ 266,000     $ 24,000     $ 0     $ 290,000  
   

Commercial

   

Retail

                 
   

Loans

   

Loans

   

Unallocated

   

Total

 
                                 

Allowance for loan losses:

                               

Beginning balance

  $ 17,736,000     $ 1,487,000     $ 76,000     $ 19,299,000  

Provision for loan losses

    (499,000 )     79,000       (37,000 )     (457,000 )

Charge-offs

    (78,000 )     (363,000 )     0       (441,000 )

Recoveries

    1,818,000       32,000       0       1,850,000  

Ending balance

  $ 18,977,000     $ 1,235,000     $ 39,000     $ 20,251,000  
                                 

Ending balance: individually evaluated for impairment

  $ 10,158,000     $ 208,000     $ 0     $ 10,366,000  
                                 

Ending balance: collectively evaluated for impairment

  $ 8,819,000     $ 1,027,000     $ 39,000     $ 9,885,000  
                                 
                                 

Total loans:

                               

Ending balance

  $ 1,230,841,000     $ 97,872,000             $ 1,328,713,000  
                                 

Ending balance: individually evaluated for impairment

  $ 44,257,000     $ 1,193,000             $ 45,450,000  
                                 

Ending balance: collectively evaluated for impairment

  $ 1,186,584,000     $ 96,679,000             $ 1,283,263,000  
   

Commercial

   

Retail

                 
   

Loans

   

Loans

   

Unallocated

   

Total

 
                                 

Allowance for loan losses:

                               

Beginning balance

  $ 681,000     $ 61,000     $ 0     $ 742,000  

Provision for loan losses

    (60,000 )     117,000       0       57,000  

Charge-offs

    0       (7,000 )     0       (7,000 )

Recoveries

    1,000       6,000       0       7,000  

Ending balance

  $ 622,000     $ 177,000     $ 0     $ 799,000  
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

    1     $ 20,000     $ 20,000  

Vacant land, land development and residential construction

    0       0       0  

Real estate – owner occupied

    0       0       0  

Real estate – non-owner occupied

    0       0       0  

Real estate – multi-family and residential rental

    0       0       0  

Total originated commercial

    1       20,000       20,000  
                         

Retail:

                       

Home equity and other

    0       0       0  

1-4 family mortgages

    0       0       0  

Total originated retail

    0       0       0  
                         

Total originated loans

    1     $ 20,000     $ 20,000  
                         

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

    1       26,000       26,000  

1-4 family mortgages

    1       19,000       19,000  

Total acquired retail

    2       45,000       45,000  
                         

Total acquired loans

    2     $ 45,000     $ 45,000  
           

Pre-

   

Post-

 
           

Modification

   

Modification

 
           

Recorded

   

Recorded

 
   

Number of

   

Principal

   

Principal

 
   

Contracts

   

Balance

   

Balance

 

Originated loans

                       

Commercial:

                       

Commercial and industrial

    6     $ 568,000     $ 593,000  

Vacant land, land development and residential construction

    0       0       0  

Real estate – owner occupied

    0       0       0  

Real estate – non-owner occupied

    0       0       0  

Real estate – multi-family and residential rental

    0       0       0  

Total originated commercial

    6       568,000       593,000  
                         

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     $ 568,000     $ 593,000  
                         

Acquired loans

                       

Commercial:

                       

Commercial and industrial

    1     $ 79,000     $ 79,000  

Vacant land, land development and residential construction

    0       0       0  

Real estate – owner occupied

    2       50,000       50,000  

Real estate – non-owner occupied

    0       0       0  

Real estate – multi-family and residential rental

    0       0       0  

Total acquired commercial

    3       129,000       129,000  
                         

Retail:

                       

Home equity and other

    0       0       0  

1-4 family mortgages

    0       0       0  

Total acquired retail

    0       0       0  
                         

Total acquired loans

    3     $ 129,000     $ 129,000  
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

    1       1,339,000  

Real estate – non-owner occupied

    0       0  

Real estate – multi-family and residential rental

    0       0  

Total commercial

    1       1,339,000  
                 

Retail:

               

Home equity and other

    0       0  

1-4 family mortgages

    0       0  

Total retail

    0       0  
                 

Total

    1     $ 1,339,000  
Trouble Debt Restructuring Activity [Table Text Block]
   

Commercial

and

Industrial

   

Commercial

Vacant Land,

Land Development,

and Residential Construction

   

Commercial

Real Estate -

Owner

Occupied

   

Commercial

Real Estate -

Non-Owner

Occupied

   

Commercial

Real Estate -

Multi-Family

and Residential

Rental

 
                                         

Commercial Loan Portfolio:

                                       

Beginning Balance

  $ 2,028,000     $ 2,086,000     $ 1,400,000     $ 10,657,000     $ 476,000  

Charge-Offs

    0       0       0       0       0  

Payments

    (101,000 )     (24,000 )     (31,000 )     (128,000 )     (7,000 )

Transfers to ORE

    0       0       0       0       0  

Net Additions/Deletions

    19,000       0       0       0       0  

Ending Balance

  $ 1,946,000     $ 2,062,000     $ 1,369,000     $ 10,529,000     $ 469,000  
   

Retail

   

Retail

 
   

Home Equity

   

1-4 Family

 
   

and Other

   

Mortgages

 

Retail Loan Portfolio:

               

Beginning Balance

  $ 146,000     $ 128,000  

Charge-Offs

    0       0  

Payments

    0       (2,000 )

Transfers to ORE

    0       0  

Net Additions/Deletions

    0       0  

Ending Balance

  $ 146,000     $ 126,000  
   

Commercial

and

Industrial

   

Commercial

Vacant Land,

Land Development,

and Residential Construction

   

Commercial 

Real Estate -

Owner

Occupied

   

Commercial

Real Estate -

Non-Owner

Occupied

   

Commercial

Real Estate -

Multi-Family

and Residential

Rental

 
                                         

Commercial Loan Portfolio:

                                       

Beginning Balance

  $ 1,686,000     $ 0     $ 1,652,000     $ 647,000     $ 331,000  

Charge-Offs

    (48,000 )     0       0       0       0  

Payments

    0       0       (197,000 )     (10,000 )     (53,000 )

Transfers to ORE

    0       0       0       0       0  

Net Additions/Deletions

    49,000       0       0       0       0  

Ending Balance

  $ 1,687,000     $ 0     $ 1,455,000     $ 637,000     $ 278,000  
   

Retail

   

Retail

 
   

Home Equity

   

1-4 Family

 
   

and Other

   

Mortgages

 

Retail Loan Portfolio:

               

Beginning Balance

  $ 141,000     $ 316,000  

Charge-Offs

    0       0  

Payments

    (6,000 )     0  

Transfers to ORE

    0       0  

Net Additions/Deletions

    26,000       19,000  

Ending Balance

  $ 161,000     $ 335,000  
   

Commercial

and

Industrial

   

 Commercial

Vacant Land,

Land Development,

and Residential Construction

   

Commercial

Real Estate -

Owner

Occupied

   

Commercial

Real Estate -

Non-Owner

Occupied

   

Commercial

Real Estate -

Multi-Family

and Residential

Rental

 
                                         

Commercial Loan Portfolio:

                                       

Beginning Balance

  $ 7,026,000     $ 2,680,000     $ 17,160,000     $ 17,439,000     $ 505,000  

Charge-Offs

    0       0       0       0       0  

Payments

    (1,155,000 )     (26,000 )     (194,000 )     (1,376,000 )     (7,000 )

Transfers to ORE

    0       0       0       0       0  

Net Additions/Deletions

    685,000       0       0       0       0  

Ending Balance

  $ 6,556,000     $ 2,654,000     $ 16,966,000     $ 16,063,000     $ 498,000  
   

Retail

   

Retail

 
   

Home Equity

   

1-4 Family

 
   

and Other

   

Mortgages

 

Retail Loan Portfolio:

               

Beginning Balance

  $ 0     $ 1,967,000  

Charge-Offs

    0       (125,000 )

Payments

    0       (1,540,000 )

Transfers to ORE

    0       0  

Net Additions/Deletions

    0       0  

Ending Balance

  $ 0     $ 302,000  
   

Commercial and

Industrial

   

Commercial

Vacant Land,

Land Development,

and Residential Construction

   

Commercial
Real Estate -
Owner
Occupied

   

Commercial
Real Estate -
Non-Owner
Occupied

   

Commercial
Real Estate -
Multi-Family
 and Residential Rental

 
                                         

Commercial Loan Portfolio:

                                       

Beginning Balance

  $ 1,439,000     $ 0     $ 1,569,000     $ 64,000     $ 381,000  

Charge-Offs

    0       0       0       0       0  

Payments

    0       0       (179,000 )     (2,000 )     (48,000 )

Transfers to ORE

    0       0       0       0       0  

Net Additions/Deletions

    80,000       0       102,000       0       0  

Ending Balance

  $ 1,519,000     $ 0     $ 1,492,000     $ 62,000     $ 333,000  
   

Retail

   

Retail

 
   

Home Equity

   

1-4 Family

 
   

and Other

   

Mortgages

 

Retail Loan Portfolio:

               

Beginning Balance

  $ 26,000     $ 178,000  

Charge-Offs

    0       0  

Payments

    (26,000 )     (1,000 )

Transfers to ORE

    0       0  

Net Additions/Deletions

    0       0  

Ending Balance

  $ 0     $ 177,000  
Allowance Related to Loans Categorized as Troubled Debt Restructurings [Table Text Block]
   

March 31,

   

December 31,

 
   

2016

   

2015

 
                 

Commercial:

               

Commercial and industrial

  $ 147,000     $ 221,000  

Vacant land, land development, and residential construction

    29,000       186,000  

Real estate – owner occupied

    111,000       115,000  

Real estate – non-owner occupied

    188,000       201,000  

Real estate – multi-family and residential rental

    220,000       365,000  

Total commercial

    695,000       1,088,000  
                 

Retail:

               

Home equity and other

    18,000       14,000  

1-4 family mortgages

    0       6,000  

Total retail

    18,000       20,000  
                 

Total related allowance

  $ 713,000     $ 1,108,000  
Retail Portfolio Segment [Member]  
Note 3 - 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

  $ 68,342,000     $ 56,357,000  
   

Retail

   

Retail

 
   

Home Equity

   

1-4 Family

 
   

and Other

   

Mortgages

 
                 

Total retail

  $ 67,341,000     $ 129,178,000  
   

Retail

   

Retail

 
   

Home Equity

   

1-4 Family

 
   

and Other

   

Mortgages

 
                 

Total retail

  $ 67,816,000     $ 55,255,000  
   

Retail

   

Retail

 
   

Home Equity

   

1-4 Family

 
   

and Other

   

Mortgages

 
                 

Total retail

  $ 72,830,000     $ 135,130,000