Note 5 - Loans (Tables)

6 Months Ended

Jun. 30, 2014

Note 5 - Loans (Tables) [Line Items]

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

	June 30, 2014					December 31, 2013
	Total		% of total			Total		% of total
Commercial real estate	$	441,170		58.6	%	$	455,452		59.4	%
Single-family residential		177,179		23.5			178,125		23.2
Commercial and industrial		72,260		9.6			73,078		9.5
Consumer		51,849		6.9			50,099		6.5
Other		10,591		1.4			10,759		1.4
Loans, gross	$	753,049		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	$	71,425		9.5	%		51.9	%
Multifamily residential		9,294		1.2			6.7
Nonfarm nonresidential		360,451		47.9			261.7
Total loans secured by commercial real estate	$	441,170		58.6	%		320.3	%

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)	$	16,314		2.1	%		11.8	%
Land development - commercial		7,288		1.0			5.3
Land development - residential		7,958		1.0			5.8
Commercial construction:
Retail		2,238		0.3			1.6
Office		5,840		0.8			4.2
Multifamily		8,900		1.2			6.5
Industrial and warehouse		659		0.1			0.5
Miscellaneous commercial		6,625		0.9			4.8
Total development commercial real estate loans		55,822		7.4			40.5
Existing and other commercial real estate loans
Secured by:
Hotel / motel		53,289		7.1			38.7
Retail		26,965		3.6			19.6
Office		8,925		1.2			6.5
Multifamily		9,294		1.2			6.8
Industrial and warehouse		6,115		0.8			4.4
Healthcare		13,555		1.8			9.8
Miscellaneous commercial		101,940		13.6			74.0
Residential construction - speculative		171		-			0.1
Total existing and other commercial real estate loans		220,254		29.3			159.9
Commercial real estate owner-occupied and residential loans
Secured by:
Commercial - owner-occupied		149,662		19.9			108.7
Commercial construction - owner-occupied		5,598		0.7			4.1
Residential construction - contract		9,834		1.3			7.1
Total commercial real estate owner-occupied and residential loans		165,094		21.9			119.9
Total loans secured by commercial real estate	$	441,170		58.6	%		320.3	%

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		10,829		157		64,867		75,853
Grade 4		30,820		1,198		170,994		203,012
Grade W		9,252		7,938		78,806		95,996
Grade 5		1,188		-		18,830		20,018
Grade 6		2,212		-		25,320		27,532
Grade 7		544		-		1,581		2,125
Not risk rated*		16,580		1		53		16,634
Total	$	71,425	$	9,294	$	360,451	$	441,170

	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

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

	Commercial and industrial
Grade 1	$	792
Grade 2		1,607
Grade 3		10,299
Grade 4		50,155
Grade W		5,209
Grade 5		704
Grade 6		3,037
Grade 7		410
Not risk rated		47
Total	$	72,260

	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	$	73,727	$	96,889	$	3,442	$	174,058
Nonperforming		583		2,433		105		3,121
Total	$	74,310	$	99,322	$	3,547	$	177,179

	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	$	40,373	$	11,323	$	51,696
Nonperforming		129		24		153
Total	$	40,502	$	11,347	$	51,849

	Other
Performing	$	10,591
Nonperforming		-
Total	$	10,591

	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

Past Due Financing Receivables [Table Text Block]

	30-89 days past due and still accruing		Greater than 90 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	$	338	$	731	$	1,235	$	2,304	$	69,121	$	71,425
Multifamily residential		-		-		-		-		9,294		9,294
Nonfarm nonresidential		210		-		9,285		9,495		350,956		360,451
Total commercial real estate		548		731		10,520		11,799		429,371		441,170
Single-family real estate, revolving, open-end loans		429		-		583		1,012		73,298		74,310
Single-family real estate, closed-end, first lien		534		-		2,433		2,967		96,355		99,322
Single-family real estate, closed-end, junior lien		84		-		105		189		3,358		3,547
Total single-family residential		1,047		-		3,121		4,168		173,011		177,179
Commercial and industrial		301		-		1,475		1,776		70,484		72,260
Indirect automobile		227		-		129		356		40,146		40,502
All other consumer		32		-		24		56		11,291		11,347
Total consumer		259		-		153		412		51,437		51,849
Farmland		-		-		-		-		3,502		3,502
Obligations of states and political subdivisions of the U.S.		-		-		-		-		459		459
Other		-		-		-		-		6,630		6,630
Total other		-		-		-		-		10,591		10,591
Loans, gross	$	2,155	$	731	$	15,269	$	18,155	$	734,894	$	753,049

	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]

	June 30, 2014		December 31, 2013
Performing	$	16,436	$	26,744
Nonperforming		5,852		2,184
Total troubled debt restructurings	$	22,288	$	28,928

	June 30, 2014		December 31, 2013
Performing troubled debt restructured loans	$	16,436	$	26,744
Nonperforming troubled debt restructured loans		5,852		2,184
Nonperforming other loans		4,244		6,580
Performing other loans		16,141		9,187
Total impaired loans	$	42,673	$	44,695

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	For the three months ended June 30,				For the six months ended June 30,
	2014		2013		2014		2013
Carrying balance	$	6,543	$	-	$	7,499	$	5,842
Count		1		-		4		8

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

	For the three months ended June 30,								For the six months ended June 30,
	2014				2013				2014				2013
	Number of loans		Recorded investment		Number of loans		Recorded investment		Number of loans		Recorded investment		Number of loans		Recorded investment
Construction, land development and other land loans		-	$	-		1	$	56		-	$	-		1	$	56
Nonfarm nonresidential		-		-		-		-		2		2,597		-		-
Total commercial real estate		-		-		1		56		2		2,597		1		56
Commercial and industrial		1		236		-		-		1		236		-		-
Loans, gross		1	$	236		1	$	56		3	$	2,833		1	$	56

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	$	710	$	4,111
Multifamily residential		-		59
Nonfarm nonresidential		22,383		27,191
Total commercial real estate		23,093		31,361
Single-family real estate, revolving, open-end loans		-		-
Single-family real estate, closed-end, first lien		912		3,007
Single-family real estate, closed-end, junior lien		26		26
Total single-family residential		938		3,033
Commercial and industrial		373		373
Consumer		-		-
Total impaired loans with no related allowance recorded	$	24,404	$	34,767
With an allowance recorded:
Construction, land development and other land loans	$	258	$	258	$	68
Multifamily residential		-		-		-
Nonfarm nonresidential		15,526		16,981		1,690
Total commercial real estate		15,784		17,239		1,758
Single-family real estate, revolving, open-end loans		404		404		83
Single-family real estate, closed-end, first lien		250		250		28
Single-family real estate, closed-end, junior lien		165		165		54
Total single-family residential		819		819		165
Commercial and industrial		1,650		2,949		99
Consumer		16		16		3
Total impaired loans with an allowance recorded	$	18,269	$	21,023	$	2,025
Total:
Construction, land development and other land loans	$	968	$	4,369	$	68
Multifamily residential		-		59		-
Nonfarm nonresidential		37,909		44,172		1,690
Total commercial real estate		38,877		48,600		1,758
Single-family real estate, revolving, open-end loans		404		404		83
Single-family real estate, closed-end, first lien		1,162		3,257		28
Single-family real estate, closed-end, junior lien		191		191		54
Total single-family residential		1,757		3,852		165
Commercial and industrial		2,023		3,322		99
Consumer		16		16		3
Total impaired loans	$	42,673	$	55,790	$	2,025

	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 June 30, 2014
	Commercial		Single-family		Commercial and
	real estate		residential		industrial			Consumer			Other		Total
Allowance for loan losses, beginning of period	$	10,457	$	3,074	$	1,523		$	1,128		$	61	$	16,243
Provision for loan losses		174		109		(307	)		(180	)		204		-
Loan charge-offs		618		85		145			54			112		1,014
Loan recoveries		246		14		12			21			74		367
Net loans charged-off		372		71		133			33			38		647
Allowance for loan losses, end of period	$	10,259	$	3,112	$	1,083		$	915		$	227	$	15,596

	For the six months ended June 30, 2014
	Commercial		Single-family		Commercial and
	real estate		residential		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		222		72		(478	)		(145	)		329			-
Loan charge-offs		779		189		145			110			267			1,490
Loan recoveries		251		105		24			52			169			601
Net loans charged-off		528		84		121			58			98			889
Allowance for loan losses, end of period	$	10,259	$	3,112	$	1,083		$	915		$	227		$	15,596

	June 30, 2014
	Commercial		Single-family		Commercial and
	real estate		residential		industrial		Consumer		Other		Total
Individually evaluated for impairment	$	1,758	$	165	$	99	$	3	$	-	$	2,025
Collectively evaluated for impairment		8,501		2,947		984		912		227		13,571
Allowance for loan losses, end of period	$	10,259	$	3,112	$	1,083	$	915	$	227	$	15,596
Individually evaluated for impairment	$	38,877	$	1,757	$	2,023	$	16	$	-	$	42,673
Collectively evaluated for impairment		402,293		175,422		70,237		51,833		10,591		710,376
Loans, gross	$	441,170	$	177,179	$	72,260	$	51,849	$	10,591	$	753,049

	For the three months ended June 30, 2013
	Commercial			Single-family		Commercial and
	real estate			residential		industrial		Consumer		Other		Total
Allowance for loan losses, beginning of period	$	11,614		$	2,949	$	1,890	$	1,013	$	4	$	17,470
Provision for loan losses		(328	)		352		559		35		52		670
Loan charge-offs		294			299		335		64		135		1,127
Loan recoveries		37			16		25		41		86		205
Net loans charged-off		257			283		310		23		49		922
Allowance for loan losses, end of period	$	11,029		$	3,018	$	2,139	$	1,025	$	7	$	17,218

	For the six months ended June 30, 2013
	Commercial			Single-family		Commercial and
	real estate			residential		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		(598	)		251		1,214		18		135		1,020
Loan charge-offs		758			432		374		161		350		2,075
Loan recoveries		68			59		35		75		211		448
Net loans charged-off		690			373		339		86		139		1,627
Allowance for loan losses, end of period	$	11,029		$	3,018	$	2,139	$	1,025	$	7	$	17,218

	June 30, 2013
	Commercial		Single-family		Commercial and
	real estate		residential		industrial		Consumer		Other		Total
Individually evaluated for impairment	$	2,001	$	209	$	836	$	4	$	-	$	3,050
Collectively evaluated for impairment		9,028		2,809		1,303		1,021		7		14,168
Allowance for loan losses, end of period	$	11,029	$	3,018	$	2,139	$	1,025	$	7	$	17,218
Individually evaluated for impairment	$	40,953	$	2,797	$	2,788	$	36	$	-	$	46,574
Collectively evaluated for impairment		408,666		167,938		61,205		48,444		8,528		694,781
Loans, gross	$	449,619	$	170,735	$	63,993	$	48,480	$	8,528	$	741,355

Three Months Ended [Member]

Note 5 - Loans (Tables) [Line Items]

Schedule of Loans Modified [Table Text Block]

	For the three months ended June 30,
	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
Nonfarm nonresidential		1	$	883	$	883		2	$	2,619	$	2,619
Total commercial real estate		1		883		883		2		2,619		2,619
Commercial and industrial		3		2,665		1,365		-		-		-
Loans, gross		4	$	3,548	$	2,248		2	$	2,619	$	2,619

	For the three months ended June 30,
	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
Term concession		1	$	883	$	883		2	$	2,619	$	2,619
Term and principal concessions		3		2,665		1,365		-		-		-
Loans, gross		4	$	3,548	$	2,248		2	$	2,619	$	2,619

Six Month Ended [Member]

Note 5 - Loans (Tables) [Line Items]

Schedule of Loans Modified [Table Text Block]

	For the six months ended June 30,
	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
Nonfarm nonresidential		1		883		883		2		2,619		2,619
Total commercial real estate		1		883		883		3		2,679		2,679
Commercial and industrial		3		2,665		1,365		-		-		-
Loans, gross		4	$	3,548	$	2,248		3	$	2,679	$	2,679

	For the six months ended June 30,
	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
Term concession		1		883		883		2		2,619		2,619
Term and principal concessions		3		2,665		1,365		-		-		-
Loans, gross		4	$	3,548	$	2,248		3	$	2,679	$	2,679