Note 5 - Loans and Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2015

Receivables [Abstract]

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

	September 30, 2015						December 31, 2014						September 30, 2014
(dollars in thousands)	Amount			%			Amount			%			Amount			%
Commercial	$	1,007,659			21	%	$	916,226			21	%	$	798,489			23	%
Income producing - commercial real estate		2,022,950			42	%		1,703,172			40	%		1,382,839			41	%
Owner occupied - commercial real estate		489,657			10	%		461,581			11	%		337,422			10	%
Real estate mortgage - residential		147,720			3	%		148,018			3	%		126,263			4	%
Construction - commercial and residential		927,265			20	%		793,432			18	%		634,736			18	%
Construction - C&I (owner occupied)		60,487			1	%		58,032			1	%		41,846			1	%
Home equity		115,346			3	%		122,536			3	%		107,291			3	%
Other consumer		5,881			-			109,402			3	%		3,662			-
Total loans		4,776,965			100	%		4,312,399			100	%		3,432,548			100	%
Less: Allowance for Credit Losses		(50,320	)					(46,075	)					(44,954	)
Net loans	$	4,726,645					$	4,266,324					$	3,387,594

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

				Income Producing			Owner Occupied			Real Estate			Construction Commercial
				Commercial			Commercial			Mortgage			and			Home			Other
(dollars in thousands)	Commercial			Real Estate			Real Estate			Residential			Residential			Equity			Consumer			Total
Three months ended September 30, 2015
Allowance for credit losses:
Balance at beginning of period	$	12,911		$	12,411		$	3,113		$	1,082		$	17,633		$	1,496		$	275		$	48,921
Loans charged-off		(1,388	)		(254	)		-			-			-			(225	)		(95	)		(1,962	)
Recoveries of loans previously charged-off		60			8			-			2			10			1			18			99
Net loans charged-off		(1,328	)		(246	)		-			2			10			(224	)		(77	)		(1,863	)
Provision for credit losses		57			1,550			(13	)		(18	)		1,281			334			71			3,262
Ending balance	$	11,640		$	13,715		$	3,100		$	1,066		$	18,924		$	1,606		$	269		$	50,320
Nine months ended September 30, 2015
Allowance for credit losses:
Balance at beginning of period	$	13,222		$	11,442		$	2,954		$	1,259		$	15,625		$	1,469		$	104		$	46,075
Loans charged-off		(4,693	)		(651	)		-			-			-			(644	)		(182	)		(6,170	)
Recoveries of loans previously charged-off		135			26			2			5			114			5			85			372
Net loans charged-off		(4,558	)		(625	)		2			5			114			(639	)		(97	)		(5,798	)
Provision for credit losses		2,976			2,898			144			(198	)		3,185			776			262			10,043
Ending balance	$	11,640		$	13,715		$	3,100		$	1,066		$	18,924		$	1,606		$	269		$	50,320
As of September 30, 2015
Allowance for credit losses:
Individually evaluated for impairment	$	2,312		$	827		$	400		$	-		$	350		$	338		$	-		$	4,227
Collectively evaluated for impairment		9,328			12,888			2,700			1,066			18,574			1,268			269			46,093
Ending balance	$	11,640		$	13,715		$	3,100		$	1,066		$	18,924		$	1,606		$	269		$	50,320
Three months ended September 30, 2014
Allowance for credit losses:
Balance at beginning of period	$	11,413		$	10,745		$	3,273		$	958		$	15,487		$	1,331		$	345		$	43,552
Loans charged-off		(317	)		(22	)		-			(48	)		(620	)		(230	)		-			(1,237	)
Recoveries of loans previously charged-off		519			-			-			-			6			2			1			528
Net loans charged-off		202			(22	)		-			(48	)		(614	)		(228	)		1			(709	)
Provision for credit losses		1,558			478			42			70			(237	)		259			(59	)		2,111
Ending balance	$	13,173		$	11,201		$	3,315		$	980		$	14,636		$	1,362		$	287		$	44,954
Nine months ended September 30, 2014
Allowance for credit losses:
Balance at beginning of period	$	9,780		$	10,359		$	3,899		$	944		$	13,934		$	1,871		$	134		$	40,921
Loans charged-off		(1,968	)		(22	)		(35	)		(138	)		(1,426	)		(379	)		(84	)		(4,052	)
Recoveries of loans previously charged-off		802			4			7			-			77			8			8			906
Net loans charged-off		(1,166	)		(18	)		(28	)		(138	)		(1,349	)		(371	)		(76	)		(3,146	)
Provision for credit losses		4,559			860			(556	)		174			2,051			(138	)		229			7,179
Ending balance	$	13,173		$	11,201		$	3,315		$	980		$	14,636		$	1,362		$	287		$	44,954
As of September 30, 2014
Allowance for credit losses:
Individually evaluated for impairment	$	4,409		$	578		$	1,330		$	-		$	1,478		$	218		$	-		$	8,013
Collectively evaluated for impairment		8,764			10,623			1,985			980			13,158			1,144			287			36,941
Ending balance	$	13,173		$	11,201		$	3,315		$	980		$	14,636		$	1,362		$	287		$	44,954

Schedule of Recorded Investment in Loans [Table Text Block]

			Income Producing		Owner occupied		Real Estate		Construction Commercial
			Commercial		Commercial		Mortgage		and		Home		Other
(dollars in thousands)	Commercial		Real Estate		Real Estate		Residential		Residential		Equity		Consumer		Total
September 30, 2015
Recorded investment in loans:
Individually evaluated for impairment	$	12,869	$	6,877	$	1,790	$	-	$	17,644	$	661	$	72	$	39,913
Collectively evaluated for impairment		994,790		2,016,073		487,867		147,720		970,108		114,685		5,809		4,737,052
Ending balance	$	1,007,659	$	2,022,950	$	489,657	$	147,720	$	987,752	$	115,346	$	5,881	$	4,776,965
December 31, 2014
Recorded investment in loans:
Individually evaluated for impairment	$	17,612	$	5,109	$	6,891	$	-	$	14,241	$	1,398	$	59	$	45,310
Collectively evaluated for impairment		898,614		1,698,063		454,690		148,018		837,223		121,138		109,343		4,267,089
Ending balance	$	916,226	$	1,703,172	$	461,581	$	148,018	$	851,464	$	122,536	$	109,402	$	4,312,399
September 30, 2014
Recorded investment in loans:
Individually evaluated for impairment	$	17,785	$	2,710	$	5,054	$	-	$	17,479	$	745	$	-	$	43,773
Collectively evaluated for impairment		780,704		1,380,129		332,368		126,263		659,103		106,546		3,662		3,388,775
Ending balance	$	798,489	$	1,382,839	$	337,422	$	126,263	$	676,582	$	107,291	$	3,662	$	3,432,548

Financing Receivable Credit Quality Indicators [Table Text Block]

			Watch and						Total
(dollars in thousands)	Pass		Special Mention		Substandard		Doubtful		Loans
September 30, 2015
Commercial	$	977,165	$	17,625	$	12,869	$	-	$	1,007,659
Income producing - commercial real estate		1,999,509		16,564		6,877		-		2,022,950
Owner occupied - commercial real estate		479,843		8,024		1,790		-		489,657
Real estate mortgage – residential		146,992		728		-		-		147,720
Construction - commercial and residential		964,854		5,254		17,644		-		987,752
Home equity		112,978		1,707		661		-		115,346
Other consumer		5,804		5		72		-		5,881
Total	$	4,687,145	$	49,907	$	39,913	$	-	$	4,776,965
December 31, 2014
Commercial	$	875,102	$	23,512	$	17,612	$	-	$	916,226
Income producing - commercial real estate		1,679,101		18,962		5,109		-		1,703,172
Owner occupied - commercial real estate		445,013		9,677		6,891		-		461,581
Real estate mortgage – residential		147,262		756		-		-		148,018
Construction - commercial and residential		827,503		9,720		14,241		-		851,464
Home equity		119,420		1,718		1,398		-		122,536
Other consumer		109,343		-		59		-		109,402
Total	$	4,202,744	$	64,345	$	45,310	$	-	$	4,312,399
September 30, 2014
Commercial	$	761,502	$	19,202	$	17,785	$	-	$	798,489
Investment - commercial real estate		1,362,060		18,069		2,710		-		1,382,839
Owner occupied - commercial real estate		320,960		11,408		5,054		-		337,422
Real estate mortgage – residential		125,363		900		-		-		126,263
Construction - commercial and residential		650,679		8,424		17,479		-		676,582
Home equity		104,601		1,945		745		-		107,291
Other consumer		3,662		-		-		-		3,662
Total	$	3,328,827	$	59,948	$	43,773	$	-	$	3,432,548

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

(dollars in thousands)	September 30, 2015		December 31, 2014		September 30, 2014
Commercial	$	4,828	$	12,975	$	15,431
Income producing - commercial real estate		6,721		2,645		2,553
Owner occupied - commercial real estate		1,281		1,324		3,502
Real estate mortgage - residential		333		346		350
Construction - commercial and residential		571		3,697		6,919
Home equity		661		1,398		588
Other consumer		72		58		-
Total nonaccrual loans (1)(2)	$	14,467	$	22,443	$	29,343

Past Due Financing Receivables [Table Text Block]

	Loans		Loans		Loans						Total Recorded
	30-59 Days		60-89 Days		90 Days or		Total Past		Current		Investment in
(dollars in thousands)	Past Due		Past Due		More Past Due		Due Loans		Loans		Loans
September 30, 2015
Commercial	$	731	$	2,537	$	4,828	$	8,096	$	999,563	$	1,007,659
Income producing - commercial real estate		-		5,058		6,721		11,779		2,011,171		2,022,950
Owner occupied - commercial real estate		319		-		1,281		1,600		488,057		489,657
Real estate mortgage – residential		-		-		333		333		147,387		147,720
Construction - commercial and residential		157		5,037		571		5,765		981,987		987,752
Home equity		173		641		661		1,475		113,871		115,346
Other consumer		54		8		72		134		5,747		5,881
Total	$	1,434	$	13,281	$	14,467	$	29,182	$	4,747,783	$	4,776,965
December 31, 2014
Commercial	$	1,505	$	4,032	$	12,975	$	18,512	$	897,714	$	916,226
Income producing - commercial real estate		1,825		5,376		2,645		9,846		1,693,326		1,703,172
Owner occupied - commercial real estate		1,089		214		1,324		2,627		458,954		461,581
Real estate mortgage – residential		-		-		346		346		147,672		148,018
Construction - commercial and residential		-		-		3,697		3,697		847,767		851,464
Home equity		-		1,365		1,398		2,763		119,773		122,536
Other consumer		284		81		58		423		108,979		109,402
Total	$	4,703	$	11,068	$	22,443	$	38,214	$	4,274,185	$	4,312,399

Impaired Financing Receivables [Table Text Block]

	Unpaid Contractual		Recorded Investment		Recorded Investment		Total				Average Recorded Investment				Interest Income Recognized
	Principal		With No		With		Recorded		Related		Quarter		Year		Quarter			Year
(dollars in thousands)	Balance		Allowance		Allowance		Investment		Allowance		To Date		To Date		To Date			To Date
September 30, 2015
Commercial	$	9,444	$	2,663	$	3,337	$	6,000	$	2,312	$	7,978	$	10,047	$	39		$	48
Income producing - commercial real estate		15,925		9,215		6,017		15,232		827		12,542		11,388		188			259
Owner occupied - commercial real estate		1,790		973		817		1,790		400		1,811		1,844		-			-
Real estate mortgage – residential		333		333		-		333		-		336		340		-			-
Construction - commercial and residential		5,608		5,037		571		5,608		350		5,625		7,176		100			298
Home equity		661		116		545		661		338		774		959		-			-
Other consumer		72		72		-		72		-		45		40		1			2
Total	$	33,833	$	18,409	$	11,287	$	29,696	$	4,227	$	29,111	$	31,794	$	328		$	607
December 31, 2014
Commercial	$	14,075	$	1,603	$	11,372	$	12,975	$	5,334	$	14,203	$	13,681	$	20		$	251
Income producing - commercial real estate		10,869		8,952		1,542		10,494		751		8,202		7,021		196			203
Owner occupied - commercial real estate		1,889		1,038		851		1,889		577		2,696		3,986		-			6
Real estate mortgage – residential		346		346		-		346		-		348		529		-			-
Construction - commercial and residential		8,785		8,176		609		8,785		927		10,113		10,967		436			1,147
Home equity		1,398		339		1,059		1,398		430		993		747		32			36
Other consumer		58		-		58		58		45		29		30		7			7
Total	$	37,420	$	20,454	$	15,491	$	35,945	$	8,064	$	36,584	$	36,961	$	691		$	1,650
September 30, 2014
Commercial	$	16,531	$	950	$	14,481	$	15,431	$	4,409	$	12,051	$	12,132	$	228		$	231
Investment - commercial real estate		6,284		4,839		1,070		5,909		578		5,975		5,873		(71	)		7
Owner occupied - commercial		3,502		391		3,111		3,502		1,330		3,366		4,877		6			6
Real estate mortgage – residential		350		350		-		350		-		500		665		-			-
Construction - commercial and residential		11,931		9,785		1,655		11,440		1,478		11,429		12,004		159			711
Home equity		588		125		463		588		218		496		553		4			4
Other consumer		-		-		-		-		-		-		33		-			-
Total	$	39,186	$	16,440	$	20,780	$	37,220	$	8,013	$	33,817	$	36,137	$	326		$	959

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Number of		TDRs Performing		TDRs Not Performing		Total
(dollars in thousands)	Contracts		to Modified Terms		to Modified Terms		TDRs
September 30, 2015
Commercial		4	$	1,172	$	215	$	1,387
Income producing - commercial real estate		4		8,512		-		8,512
Owner occupied - commercial real estate		1		509		-		509
Construction - commercial and residential		1		5,037		-		5,037
Total		10	$	15,230	$	215	$	15,445
December 31, 2014
Commercial		1	$	-	$	227	$	227
Income producing - commercial real estate		3		7,849		-		7,849
Owner occupied - commercial real estate		1		565		-		565
Construction - commercial and residential		1		5,088		-		5,088
Total		6	$	13,502	$	227	$	13,729