Note 4 - Loans

6 Months Ended

Jun. 30, 2011

Loans, Notes, Trade and Other Receivables Disclosure [Text Block]

4.  LOANS

Loan Portfolio

(Dollar amounts in thousands)

	June 30, 2011		December 31, 2010
Commercial and industrial	$	1,518,772	$	1,465,903
Agricultural		237,518		227,756
Commercial real estate:
Office, retail, and industrial		1,229,100		1,203,613
Multi-family		336,138		349,862
Residential construction		129,327		174,690
Commercial construction		146,679		164,472
Other commercial real estate		852,966		856,357
Total commercial real estate		2,694,210		2,748,994
Total corporate loans		4,450,500		4,442,653
Home equity		429,923		445,243
1-4 family mortgages		185,002		160,890
Installment loans		47,486		51,774
Total consumer loans		662,411		657,907
Total loans, excluding covered loans		5,112,911		5,100,560
Covered loans (1)		314,942		371,729
Total loans	$	5,427,853	$	5,472,289
Deferred loan fees included in total loans	$	7,965	$	8,042
Overdrawn demand deposits included in total loans	$	3,111	$	4,281

(1) For information on covered loans, refer to Note 5, “Covered Assets.”

The Company primarily lends to small and mid-sized businesses, commercial real estate customers, and consumers in the markets in which the Company operates. Within these areas, the Company diversifies its loan portfolio by loan type, industry, and borrower.

It is the Company’s policy to review each prospective credit in order to determine the appropriateness and the adequacy of security or collateral prior to making a loan. In the event of borrower default, the Company seeks recovery in compliance with state lending laws, the Company’s lending standards, and credit monitoring and remediation procedures.