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

3 Months Ended

Mar. 31, 2013

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

	March 31, 2013						December 31, 2012						March 31, 2012
(dollars in thousands)	Amount			%			Amount			%			Amount			%
Commercial	$	579,618			23	%	$	545,070			22	%	$	492,824			23	%
Investment - commercial real estate (1)		910,829			36	%		914,638			37	%		829,984			38	%
Owner occupied - commercial real estate		303,561			12	%		297,857			12	%		275,723			13	%
Real estate mortgage - residential		69,256			3	%		61,871			3	%		43,057			2	%
Construction - commercial and residential (1)		538,071			21	%		533,722			21	%		417,346			19	%
Construction - C&I (owner occupied) (1)		34,002			1	%		28,808			1	%		27,412			1	%
Home equity		108,570			4	%		106,844			4	%		95,437			4	%
Other consumer		4,117			-			4,285			-			5,157			-
Total loans		2,548,024			100	%		2,493,095			100	%		2,186,940			100	%
Less: Allowance for Credit Losses		(38,811	)					(37,492	)					(31,875	)
Net loans	$	2,509,213					$	2,455,603					$	2,155,065

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

(dollars in thousands)	Commercial			Investment Commercial Real Estate			Owner occupied Commercial Real Estate		Real Estate Mortgage Residential			Construction Commercial and Residential			Home Equity			Other Consumer			Total
March 31, 2013
Allowance for credit losses:
Balance at beginning of period	$	9,412		$	9,148		$	2,781	$	659		$	13,391		$	1,730		$	371		$	37,492
Loans charged-off		(1,184	)		(109	)		-		-			(719	)		(29	)		(42	)		(2,083	)
Recoveries of loans previously charged-off		26			-			-		-			6			-			5			37
Net loans charged-off		(1,158	)		(109	)		-		-			(713	)		(29	)		(37	)		(2,046	)
Provision for credit losses		2,821			(32	)		23		218			267			51			17			3,365
Ending balance	$	11,075		$	9,007		$	2,804	$	877		$	12,945		$	1,752		$	351		$	38,811
For the Period Ended March 31, 2013
Allowance for credit losses:
Individually evaluated for impairment	$	2,360		$	818		$	704	$	-		$	3,358		$	218		$	-		$	7,458
Collectively evaluated for impairment		8,715			8,189			2,100		877			9,587			1,534			351			31,353
Ending balance	$	11,075		$	9,007		$	2,804	$	877		$	12,945		$	1,752		$	351		$	38,811
March 31, 2012
Allowance for credit losses:
Balance at beginning of period	$	9,609		$	7,304		$	1,898	$	399		$	8,546		$	1,528		$	369		$	29,653
Loans charged-off		(773	)		(291	)		-		(300	)		(240	)		(244	)		(5	)		(1,853	)
Recoveries of loans previously charged-off		7			2			-		-			94			1			1			105
Net loans charged-off		(766	)		(289	)		-		(300	)		(146	)		(243	)		(4	)		(1,748	)
Provision for credit losses		(306	)		1,130			248		(99	)		3,260			44			(307	)		3,970
Ending balance	$	8,537		$	8,145		$	2,146	$	-		$	11,660		$	1,329		$	58		$	31,875
For the Period Ended March 31, 2012
Allowance for credit losses:
Individually evaluated for impairment	$	1,874		$	829		$	201	$	-		$	2,899		$	138		$	4		$	5,945
Collectively evaluated for impairment		6,663			7,316			1,945		-			8,761			1,191			54			25,930
Ending balance	$	8,537		$	8,145		$	2,146	$	-		$	11,660		$	1,329		$	58		$	31,875

Schedule Of Recorded Investment In Loans [Table Text Block]

(dollars in thousands)	Commercial		Investment Commercial Real Estate		Owner occupied Commercial Real Estate		Real Estate Mortgage Residential		Construction Commercial and Residential		Home Equity		Other Consumer		Total
March 31, 2013
Recorded investment in loans:
Individually evaluated for impairment	$	14,395	$	5,564	$	6,449	$	-	$	30,972	$	538	$	-	$	57,918
Collectively evaluated for impairment		565,223		905,265		297,112		69,256		541,101		108,032		4,117		2,490,106
Ending balance	$	579,618	$	910,829	$	303,561	$	69,256	$	572,073	$	108,570	$	4,117	$	2,548,024
December 31, 2012
Recorded investment in loans:
Individually evaluated for impairment	$	15,177	$	11,401	$	8,723	$	-	$	36,502	$	510	$	43	$	72,356
Collectively evaluated for impairment		529,893		903,237		289,134		61,871		526,028		106,334		4,242		2,420,739
Ending balance	$	545,070	$	914,638	$	297,857	$	61,871	$	562,530	$	106,844	$	4,285	$	2,493,095
March 31, 2012
Recorded investment in loans:
Individually evaluated for impairment	$	9,395	$	9,880	$	2,895	$	-	$	24,358	$	512	$	8	$	47,048
Collectively evaluated for impairment		483,429		820,104		272,828		43,057		420,400		94,925		5,149		2,139,892
Ending balance	$	492,824	$	829,984	$	275,723	$	43,057	$	444,758	$	95,437	$	5,157	$	2,186,940

Investment [Table Text Block]

(dollars in thousands)	Pass		Watch and Special Mention		Substandard		Doubtful		Total Loans
March 31, 2013
Commercial	$	532,391	$	32,832	$	14,395	$	-	$	579,618
Investment - commercial real estate		886,172		19,093		5,564		-		910,829
Owner occupied - commercial real estate		281,632		15,480		6,449		-		303,561
Real estate mortgage – residential		68,521		735		-		-		69,256
Construction - commercial and residential		523,535		17,566		30,972		-		572,073
Home equity		105,857		2,175		538		-		108,570
Other consumer		4,106		11		-		-		4,117
Total	$	2,402,214	$	87,892	$	57,918	$	-	$	2,548,024
December 31, 2012
Commercial	$	495,072	$	34,821	$	15,170	$	7	$	545,070
Investment - commercial real estate		892,569		10,668		11,401		-		914,638
Owner occupied - commercial real estate		275,864		13,270		8,723		-		297,857
Real estate mortgage – residential		61,134		737		-		-		61,871
Construction - commercial and residential		508,166		17,862		36,502		-		562,530
Home equity		104,302		2,032		510		-		106,844
Other consumer		4,230		12		43		-		4,285
Total	$	2,341,337	$	79,402	$	72,349	$	7	$	2,493,095
March 31, 2012
Commercial	$	454,373	$	29,019	$	9,395	$	37	$	492,824
Investment - commercial real estate		815,951		4,902		9,131		-		829,984
Owner occupied - commercial real estate		254,405		18,423		2,895		-		275,723
Real estate mortgage – residential		42,308		-		749		-		43,057
Construction - commercial and residential		387,770		32,631		24,357		-		444,758
Home equity		94,925		-		512		-		95,437
Other consumer		5,149		-		8		-		5,157
Total	$	2,054,881	$	84,975	$	47,047	$	37	$	2,186,940

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

(dollars in thousands)	March 31, 2013		December 31, 2012		March 31, 2012
Commercial	$	4,039	$	4,799	$	3,565
Investment - commercial real estate		3,269		3,458		7,013
Owner occupied - commercial real estate		2,368		2,578		277
Real estate mortgage - residential		691		699		731
Construction - commercial and residential		17,318		18,594		24,591
Home equity		481		513		530
Other consumer		-		43		8
Total nonaccrual loans (1)(2)	$	28,166	$	30,684	$	36,715

Past Due Financing Receivables [Table Text Block]

(dollars in thousands)	Loans 30-59 Days Past Due		Loans 60-89 Days Past Due		Loans 90 Days or More Past Due		Total Past Due Loans		Current Loans		Total Recorded Investment in Loans
March 31, 2013
Commercial	$	3,826	$	3,358	$	4,039	$	11,223	$	568,395	$	579,618
Investment - commercial real estate		2,635		820		3,269		6,724		904,105		910,829
Owner occupied - commercial real estate		367		4,081		2,368		6,816		296,745		303,561
Real estate mortgage – residential		-		107		691		798		68,458		69,256
Construction - commercial and residential		10,642		-		17,318		27,960		544,113		572,073
Home equity		1,344		795		481		2,620		105,950		108,570
Other consumer		-		15		-		15		4,102		4,117
Total	$	18,814	$	9,176	$	28,166	$	56,156	$	2,491,868	$	2,548,024

Impaired Financing Receivables [Table Text Block]

(dollars in thousands)	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Average Recorded Investment		Interest Income Recognized
March 31, 2013
Commercial	$	8,493	$	4,821	$	3,172	$	7,993	$	2,360	$	8,621	$	42
Investment - commercial real estate		5,407		3,821		1,586		5,407		818		5,504		37
Owner occupied - commercial		6,449		5,538		911		6,449		704		6,554		56
Real estate mortgage – residential		691		691		-		691		-		695		-
Construction - commercial and residential		21,959		13,611		8,348		21,959		3,358		22,597		42
Home equity		481		132		349		481		218		497		-
Other consumer		-		-		-		-		-		22		-
Total	$	43,480	$	28,614	$	14,366	$	42,980	$	7,458	$	44,490	$	177
December 31, 2012
Commercial	$	9,461	$	5,767	$	3,481	$	9,248	$	2,158	$	7,772	$	245
Investment - commercial real estate		5,600		3,830		1,770		5,600		1,201		6,609		152
Owner occupied - commercial		6,659		5,602		1,057		6,659		753		2,746		252
Real estate mortgage – residential		699		699		-		699		-		714		-
Construction - commercial and residential		25,347		14,727		8,508		23,235		3,718		26,430		202
Home equity		513		134		379		513		243		534		9
Other consumer		43		1		42		43		41		17		2
Total	$	48,322	$	30,760	$	15,237	$	45,997	$	8,114	$	44,822	$	862
March 31, 2012
Commercial	$	8,382	$	5,226	$	1,891	$	7,117	$	1,265	$	9,539	$	43
Investment - commercial real estate		9,155		6,277		2,157		8,434		821		10,330		39
Owner occupied - commercial		277		-		207		207		70		280		-
Real estate mortgage – residential		731		731		-		731		-		886		-
Construction - commercial and residential		29,013		20,299		5,914		26,213		2,800		26,372		42
Home equity		530		307		85		392		138		577		-
Other consumer		8		-		4		4		4		8		-
Total	$	48,096	$	32,840	$	10,258	$	43,098	$	5,098	$	47,992	$	124

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

(dollars in thousands)	Number of Contracts		TDRs Performing to Modified Terms		TDRs Not Performing to Modified Terms		Total TDRs
March 31, 2013
Commercial		3	$	3,954	$	495	$	4,449
Investment - commercial real estate		2		2,138		217		2,355
Owner occupied - commercial real estate		1		4,081		-		4,081
Construction - commercial and residential		2		4,641		961		5,602
Total		8	$	14,814	$	1,673	$	16,487
December 31, 2012
Commercial		3	$	4,449	$	-	$	4,449
Investment - commercial real estate		2		2,142		217		2,359
Owner occupied - commercial real estate		1		4,081		-		4,081
Construction - commercial and residential		2		4,641		966		5,607
Total		8	$	15,313	$	1,183	$	16,496