Note 5 - Loans (Tables)

3 Months Ended

Mar. 31, 2014

Receivables [Abstract]

Schedule of Gross Loans and Commercial Loans [Table Text Block]

	March 31, 2014					December 31, 2013
	Total		% of total			Total		% of total
Commercial real estate	$	445,153		58.9	%	$	455,452		59.4	%
Single-family residential		176,454		23.3			178,125		23.2
Commercial and industrial		72,477		9.6			73,078		9.5
Consumer		51,319		6.8			50,099		6.5
Other		10,475		1.4			10,759		1.4
Loans, gross	$	755,878		100.0	%	$	767,513		100.0	%

Summary of Loans Secured by Commercial Real Estate [Table Text Block]

	Total commercial real estate loans		% of gross loans			% of Bank's total regulatory capital
Secured by commercial real estate
Construction, land development and other land loans	$	74,373		9.9	%		55.7	%
Multifamily residential		9,983		1.3			7.5
Nonfarm nonresidential		360,797		47.7			270.5
Total loans secured by commercial real estate	$	445,153		58.9	%		333.7	%

Summary of Loans Secured by Commercial Real Estate by Category [Table Text Block]

	Total commercial real estate loans		% of gross loans			% of Bank's total regulatory capital
Development commercial real estate loans
Secured by:
Land - unimproved (commercial or residential)	$	18,750		2.5	%		14.1	%
Land development - commercial		7,376		1.0			5.5
Land development - residential		8,071		1.1			6.1
Commercial construction:
Retail		1,657		0.2			1.2
Office		5,840		0.8			4.4
Multifamily		8,689		1.1			6.5
Industrial and warehouse		668		0.1			0.5
Miscellaneous commercial		7,766		1.0			5.8
Total development commercial real estate loans		58,817		7.8			44.1
Existing and other commercial real estate loans
Secured by:
Hotel / motel		53,843		7.1			40.4
Retail		23,737		3.1			17.8
Office		9,546		1.3			7.2
Multifamily		9,983		1.3			7.5
Industrial and warehouse		6,044		0.8			4.5
Healthcare		13,728		1.8			10.3
Miscellaneous commercial		104,775		13.9			78.5
Total existing and other commercial real estate loans		221,656		29.3			166.2
Commercial real estate owner-occupied and residential loans
Secured by:
Commercial - owner-occupied		149,124		19.7			111.8
Commercial construction - owner-occupied		6,861		0.9			5.1
Residential construction - contract		8,695		1.2			6.5
Total commercial real estate owner-occupied and residential loans		164,680		21.8			123.4
Total loans secured by commercial real estate	$	445,153		58.9	%		333.7	%

Financing Receivable Credit Quality Indicators [Table Text Block]

	Construction, land development and other land loans		Multifamily residential		Nonfarm nonresidential		Total commercial real estate
Grade 1	$	-	$	-	$	-	$	-
Grade 2		-		-		-		-
Grade 3		10,206		163		67,597		77,966
Grade 4		36,364		1,581		168,340		206,285
Grade W		5,134		8,059		76,633		89,826
Grade 5		2,158		-		20,418		22,576
Grade 6		3,677		180		26,210		30,067
Grade 7		803		-		1,599		2,402
Not risk rated*		16,031		-		-		16,031
Total	$	74,373	$	9,983	$	360,797	$	445,153

Schedules of Internal Quality Indicators on Commercial and Industrial [Table Text Block]

	Commercial and industrial
Grade 1	$	817
Grade 2		1,589
Grade 3		9,986
Grade 4		49,225
Grade W		5,351
Grade 5		1,195
Grade 6		3,899
Grade 7		415
Not risk rated		-
Total	$	72,477

	Commercial and industrial
Grade 1	$	879
Grade 2		1,186
Grade 3		8,830
Grade 4		51,167
Grade W		5,151
Grade 5		2,361
Grade 6		2,923
Grade 7		494
Not risk rated		87
Total	$	73,078

Schedule of Mortgage Loan by Credit Quality Indicator [Table Text Block]

	Single-family residential revolving, open-end loans		Single-family residential closed- end, first lien		Single-family residential closed- end, junior lien		Total single-family residential loans
Performing	$	70,756	$	99,686	$	3,653	$	174,095
Nonperforming		564		1,686		109		2,359
Total	$	71,320	$	101,372	$	3,762	$	176,454

	Single-family residential revolving, open-end loans		Single-family residential closed- end, first lien		Single-family residential closed- end, junior lien		Total single-family residential loans
Performing	$	69,121	$	101,100	$	3,802	$	174,023
Nonperforming		797		3,176		129		4,102
Total	$	69,918	$	104,276	$	3,931	$	178,125

Schedule of Consumer Loans by Credit Quality Indicators [Table Text Block]

	Indirect automobile		All other consumer		Total consumer
Performing	$	39,953	$	11,213	$	51,166
Nonperforming		136		17		153
Total	$	40,089	$	11,230	$	51,319

	Other
Performing	$	10,475
Nonperforming		-
Total	$	10,475

	Indirect automobile		All other consumer		Total consumer
Performing	$	38,514	$	11,349	$	49,863
Nonperforming		210		26		236
Total	$	38,724	$	11,375	$	50,099

	Other
Performing	$	10,759
Nonperforming		-
Total	$	10,759

Financing Receivable Internally Assigned Credit Quality Indicators [Table Text Block]

	Construction, land development and other land loans		Multifamily residential		Nonfarm nonresidential		Total commercial real estate
Grade 1	$	-	$	-	$	-	$	-
Grade 2		-		-		-		-
Grade 3		10,025		259		69,954		80,238
Grade 4		34,654		887		171,585		207,126
Grade W		8,679		9,079		83,843		101,601
Grade 5		2,202		-		16,727		18,929
Grade 6		4,400		181		24,352		28,933
Grade 7		803		-		1,604		2,407
Not risk rated*		15,795		11		412		16,218
Total	$	76,558	$	10,417	$	368,477	$	455,452

Past Due Financing Receivables [Table Text Block]

	30-89 days past due and still accruing		Greater than 90 days past due and not accruing (nonaccrual)		Total past due		Current		Loans, gross
Construction, land development and other land loans	$	322	$	3,197	$	3,519	$	70,854	$	74,373
Multifamily residential		-		180		180		9,803		9,983
Nonfarm nonresidential		4,032		5,382		9,414		351,383		360,797
Total commercial real estate		4,354		8,759		13,113		432,040		445,153
Single-family real estate, revolving, open-end loans		317		564		881		70,439		71,320
Single-family real estate, closed-end, first lien		929		2,686		3,615		97,757		101,372
Single-family real estate, closed-end, junior lien		27		109		136		3,626		3,762
Total single-family residential		1,273		3,359		4,632		171,822		176,454
Commercial and industrial		177		1,764		1,941		70,536		72,477
Indirect automobile		253		136		389		39,700		40,089
All other consumer		58		17		75		11,155		11,230
Total consumer		311		153		464		50,855		51,319
Farmland		-		-		-		3,341		3,341
Obligations of states and political subdivisions of the U.S.		-		-		-		478		478
Other		-		-		-		6,656		6,656
Total other		-		-		-		10,475		10,475
Loans, gross	$	6,115	$	14,035	$	20,150	$	735,728	$	755,878

	30-89 days past due and  still accruing		Greater than 90 days past due and not accruing (nonaccrual)		Total past due		Current		Loans, gross
Construction, land development and other land loans	$	82	$	3,872	$	3,954	$	72,604	$	76,558
Multifamily residential		-		181		181		10,236		10,417
Nonfarm nonresidential		1,199		4,832		6,031		362,446		368,477
Total commercial real estate		1,281		8,885		10,166		445,286		455,452
Single-family real estate, revolving, open-end loans		148		797		945		68,973		69,918
Single-family real estate, closed-end, first lien		1,091		3,176		4,267		100,009		104,276
Single-family real estate, closed-end, junior lien		41		129		170		3,761		3,931
Total single-family residential		1,280		4,102		5,382		172,743		178,125
Commercial and industrial		306		1,885		2,191		70,887		73,078
Indirect automobile		294		210		504		38,220		38,724
All other consumer		41		26		67		11,308		11,375
Total consumer		335		236		571		49,528		50,099
Farmland		-		-		-		3,394		3,394
Obligations of states and political subdivisions of the U.S.		-		-		-		497		497
Other		-		-		-		6,868		6,868
Total other		-		-		-		10,759		10,759
Loans, gross	$	3,202	$	15,108	$	18,310	$	749,203	$	767,513

Schedule of Composition of Troubled Debt Restructuring Impaired Loans [Table Text Block]

	March 31, 2014		December 31, 2013
Performing	$	25,662	$	26,744
Nonperforming		1,942		2,184
Total troubled debt restructurings	$	27,604	$	28,928

	March 31, 2014		December 31, 2013
Performing troubled debt restructured loans	$	25,662	$	26,744
Nonperforming troubled debt restructured loans		1,942		2,184
Nonperforming other loans		6,048		6,580
Performing other loans		9,730		9,187
Total impaired loans	$	43,382	$	44,695

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	For the three months ended March 31,
	2014		2013
Carrying balance	$	956	$	5,842
Count		3		8

Schedule of Loans Modified [Table Text Block]

	For the three months ended March 31,
	2014						2013
	Number of loans		Pre- modification outstanding recorded investment		Post- modification outstanding recorded investment		Number of loans		Pre- modification outstanding recorded investment		Post- modification outstanding recorded investment
Construction, land development and other land loans		-	$	-	$	-		1	$	60	$	60
Loans, gross		-	$	-	$	-		1	$	60	$	60

	For the three months ended March 31,
	2014						2013
	Number of loans		Pre- modification outstanding recorded investment		Post- modification outstanding recorded investment		Number of loans		Pre- modification outstanding recorded investment		Post- modification outstanding recorded investment
Rate concession		-	$	-	$	-		1	$	60	$	60
Loans, gross		-	$	-	$	-		1	$	60	$	60

Schedule of Modified Troubled Debt Restructuring Loans [Table Text Block]

	For the three months ended March 31,
	2014				2013
	Number of loans		Recorded investment		Number of loans		Recorded investment
Nonfarm nonresidential		2	$	2,597		-	$	-
Loans, gross		2	$	2,597		-	$	-

Schedule of Composition of Impaired Loans by Class [Table Text Block]

	Loans, gross
	Recorded investment		Unpaid principal balance		Related allowance
With no related allowance recorded:
Construction, land development and other land loans	$	2,757	$	6,016
Multifamily residential		180		239
Nonfarm nonresidential		20,132		24,940
Total commercial real estate		23,069		31,195
Single-family real estate, revolving, open-end loans		-		-
Single-family real estate, closed-end, first lien		921		5,208
Single-family real estate, closed-end, junior lien		27		27
Total single-family residential		948		5,235
Commercial and industrial		735		1,132
Consumer		6		15
Total impaired loans with no related allowance recorded	$	24,758	$	37,577
With an allowance recorded:
Construction, land development and other land loans	$	259	$	259	$	68
Multifamily residential		-		-		-
Nonfarm nonresidential		15,883		17,338		1,770
Total commercial real estate		16,142		17,597		1,838
Single-family real estate, revolving, open-end loans		404		404		-
Single-family real estate, closed-end, first lien		253		253		13
Single-family real estate, closed-end, junior lien		167		167		138
Total single-family residential		824		824		151
Commercial and industrial		1,641		2,941		478
Consumer		17		17		3
Total impaired loans with an allowance recorded	$	18,624	$	21,379	$	2,470
Total:
Construction, land development and other land loans	$	3,016	$	6,275	$	68
Multifamily residential		180		239		-
Nonfarm nonresidential		36,015		42,278		1,770
Total commercial real estate		39,211		48,792		1,838
Single-family real estate, revolving, open-end loans		404		404		-
Single-family real estate, closed-end, first lien		1,174		5,461		13
Single-family real estate, closed-end, junior lien		194		194		138
Total single-family residential		1,772		6,059		151
Commercial and industrial		2,376		4,073		478
Consumer		23		32		3
Total impaired loans	$	43,382	$	58,956	$	2,470

	Loans, gross
	Recorded investment		Unpaid principal balance		Related allowance
With no related allowance recorded:
Construction, land development and other land loans	$	3,244	$	6,503
Multifamily residential		181		239
Nonfarm nonresidential		17,414		24,422
Total commercial real estate		20,839		31,164
Single-family real estate, revolving, open-end loans		-		-
Single-family real estate, closed-end, first lien		1,369		5,811
Single-family real estate, closed-end, junior lien		-		-
Total single-family residential		1,369		5,811
Commercial and industrial		753		1,150
Consumer		7		7
Total impaired loans with no related allowance recorded	$	22,968	$	38,132
With an allowance recorded:
Construction, land development and other land loans	$	260	$	260	$	68
Multifamily residential		-		-		-
Nonfarm nonresidential		18,839		18,839		1,668
Total commercial real estate		19,099		19,099		1,736
Single-family real estate, revolving, open-end loans		404		404		83
Single-family real estate, closed-end, first lien		323		323		18
Single-family real estate, closed-end, junior lien		195		195		62
Total single-family residential		922		922		163
Commercial and industrial		1,680		2,980		644
Consumer		26		26		12
Total impaired loans with an allowance recorded	$	21,727	$	23,027	$	2,555
Total:
Construction, land development and other land loans	$	3,504	$	6,763	$	68
Multifamily residential		181		239		-
Nonfarm nonresidential		36,253		43,261		1,668
Total commercial real estate		39,938		50,263		1,736
Single-family real estate, revolving, open-end loans		404		404		83
Single-family real estate, closed-end, first lien		1,692		6,134		18
Single-family real estate, closed-end, junior lien		195		195		62
Total single-family residential		2,291		6,733		163
Commercial and industrial		2,433		4,130		644
Consumer		33		33		12
Total impaired loans	$	44,695	$	61,159	$	2,555

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]

	For the three months ended March 31, 2014
	Commercial real estate		Single-family residential			Commercial and industrial			Consumer		Other			Total
Allowance for loan losses, beginning of period	$	10,565	$	3,124		$	1,682		$	1,118	$	(4	)	$	16,485
Provision for loan losses		48		(37	)		(171	)		35		125			-
Loan charge-offs		161		104			-			56		155			476
Loan recoveries		5		91			12			31		95			234
Net loans charged-off		156		13			(12	)		25		60			242
Allowance for loan losses, end of period	$	10,457	$	3,074		$	1,523		$	1,128	$	61		$	16,243

	March 31, 2014
	Commercial real estate		Single-family residential		Commercial and industrial		Consumer		Other		Total
Individually evaluated for impairment	$	1,838	$	151	$	478	$	3	$	-	$	2,470
Collectively evaluated for impairment		8,619		2,923		1,045		1,125		61		13,773
Allowance for loan losses, end of period	$	10,457	$	3,074	$	1,523	$	1,128	$	61	$	16,243
Individually evaluated for impairment	$	39,211	$	1,772	$	2,376	$	23	$	-	$	43,382
Collectively evaluated for impairment		405,942		174,682		70,101		51,296		10,475		712,496
Loans, gross	$	445,153	$	176,454	$	72,477	$	51,319	$	10,475	$	755,878

	For the three months ended March 31, 2013
	Commercial real estate			Single-family residential			Commercial and industrial		Consumer			Other		Total
Allowance for loan losses, beginning of period	$	12,317		$	3,140		$	1,264	$	1,093		$	11	$	17,825
Provision for loan losses		(270	)		(101	)		655		(17	)		83		350
Loan charge-offs		464			133			39		97			215		948
Loan recoveries		31			43			10		34			125		243
Net loans charged-off		433			90			29		63			90		705
Allowance for loan losses, end of period	$	11,614		$	2,949		$	1,890	$	1,013		$	4	$	17,470

	March 31, 2013
	Commercial real estate		Single-family residential		Commercial and industrial		Consumer		Other		Total
Individually evaluated for impairment	$	1,995	$	214	$	880	$	4	$	-	$	3,093
Collectively evaluated for impairment		9,619		2,735		1,010		1,009		4		14,377
Allowance for loan losses, end of period	$	11,614	$	2,949	$	1,890	$	1,013	$	4	$	17,470
Individually evaluated for impairment	$	36,989	$	3,056	$	3,062	$	37	$	-	$	43,144
Collectively evaluated for impairment		419,021		163,333		46,558		49,014		9,694		687,620
Loans, gross	$	456,010	$	166,389	$	49,620	$	49,051	$	9,694	$	730,764