Note 5 - Loans (Tables)

9 Months Ended

Sep. 30, 2014

Note 5 - Loans (Tables) [Line Items]

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

	September 30, 2014					December 31, 2013
	Total		% of total			Total		% of total
Commercial real estate	$	446,248		57.4	%	$	455,452		59.4	%
Single-family residential		193,874		25.0			178,125		23.2
Commercial and industrial		73,563		9.5			73,078		9.5
Consumer		53,071		6.8			50,099		6.5
Other		10,191		1.3			10,759		1.4
Loans, gross	$	776,947		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	$	48,745		6.3	%		34.8	%
Multifamily residential		17,970		2.3			12.8
Nonfarm nonresidential		379,533		48.8			270.8
Total loans secured by commercial real estate	$	446,248		57.4	%		318.4	%

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)	$	14,535		1.9	%		10.4	%
Land development - commercial		6,002		0.8			4.3
Land development - residential		7,815		1.0			5.6
Commercial construction:
Retail		3,976		0.5			2.8
Multifamily		130		-			0.1
Total development commercial real estate loans		32,458		4.2			23.2
Existing and other commercial real estate loans
Secured by:
Hotel / motel		52,413		6.7			37.4
Retail		28,660		3.7			20.5
Office		23,589		3.0			16.8
Multifamily		17,970		2.3			12.8
Industrial and warehouse		6,076		0.8			4.3
Healthcare		13,372		1.7			9.5
Miscellaneous commercial		103,928		13.4			74.2
Residential construction - speculative		65		-			0.1
Total existing and other commercial real estate loans		246,073		31.6			175.6
Commercial real estate owner-occupied and residential loans
Secured by:
Commercial - owner-occupied		151,494		19.5			108.1
Commercial construction - owner-occupied		6,866		0.9			4.9
Residential construction - contract		9,357		1.2			6.6
Total commercial real estate owner-occupied and residential loans		167,717		21.6			119.6
Total loans secured by commercial real estate	$	446,248		57.4	%		318.4	%

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	$	89	$	-	$	1,205	$	1,294	$	47,451	$	48,745
Multifamily residential		-		-		-		-		17,970		17,970
Nonfarm nonresidential		1,421		-		9,194		10,615		368,918		379,533
Total commercial real estate		1,510		-		10,399		11,909		434,339		446,248
Single-family real estate, revolving, open-end loans		454		-		790		1,244		75,127		76,371
Single-family real estate, closed-end, first lien		261		243		2,092		2,596		111,988		114,584
Single-family real estate, closed-end, junior lien		21		-		85		106		2,813		2,919
Total single-family residential		736		243		2,967		3,946		189,928		193,874
Commercial and industrial		994		-		1,122		2,116		71,447		73,563
Indirect automobile		176		-		104		280		41,971		42,251
All other consumer		26		-		19		45		10,775		10,820
Total consumer		202		-		123		325		52,746		53,071
Farmland		-		-		-		-		3,689		3,689
Obligations of states and political subdivisions of the U.S.		-		-		-		-		435		435
Other		-		-		-		-		6,067		6,067
Total other		-		-		-		-		10,191		10,191
Loans, gross	$	3,442	$	243	$	14,611	$	18,296	$	758,651	$	776,947

	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]

	September 30, 2014		December 31, 2013
Performing	$	16,065	$	26,744
Nonperforming		5,283		2,184
Total troubled debt restructurings	$	21,348	$	28,928

	September 30, 2014		December 31, 2013
Performing troubled debt restructured loans	$	16,065	$	26,744
Nonperforming troubled debt restructured loans		5,283		2,184
Nonperforming other loans		4,244		6,580
Performing other loans		14,888		9,187
Total impaired loans	$	40,480	$	44,695

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	For the three months ended September 30,				For the nine months ended September 30,
	2014		2013		2014		2013
Carrying balance	$	-	$	-	$	7,499	$	5,842
Count		-		-		4		8

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

	For the three months ended September 30,								For the nine months ended September 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
Nonfarm nonresidential		-		-		-		-		2		2,597		-		-
Total commercial real estate		-		-		-		-		2		2,597		1		56
Single-family real estate		-		-		1		404		-		-		1		404
Commercial and industrial		-		-		1		127		1		236		1		127
Loans, gross		-	$	-		2	$	531		3	$	2,833		3	$	587

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	$	707	$	1,236
Multifamily residential		-		-
Nonfarm nonresidential		19,535		19,775
Total commercial real estate		20,242		21,011
Single-family real estate, revolving, open-end loans		333		333
Single-family real estate, closed-end, first lien		620		1,901
Single-family real estate, closed-end, junior lien		25		25
Total single-family residential		978		2,259
Commercial and industrial		359		359
Consumer		-		-
Total impaired loans with no related allowance recorded	$	21,579	$	23,629
With an allowance recorded:
Construction, land development and other land loans	$	172	$	172	$	30
Multifamily residential		-		-		-
Nonfarm nonresidential		17,155		23,177		2,085
Total commercial real estate		17,327		23,349		2,115
Single-family real estate, revolving, open-end loans		-		-		-
Single-family real estate, closed-end, first lien		247		247		28
Single-family real estate, closed-end, junior lien		107		107		42
Total single-family residential		354		354		70
Commercial and industrial		1,205		2,504		288
Consumer		15		15		3
Total impaired loans with an allowance recorded	$	18,901	$	26,222	$	2,476
Total:
Construction, land development and other land loans	$	879	$	1,408	$	30
Multifamily residential		-		-		-
Nonfarm nonresidential		36,690		42,952		2,085
Total commercial real estate		37,569		44,360		2,115
Single-family real estate, revolving, open-end loans		333		333		-
Single-family real estate, closed-end, first lien		867		2,148		28
Single-family real estate, closed-end, junior lien		132		132		42
Total single-family residential		1,332		2,613		70
Commercial and industrial		1,564		2,863		288
Consumer		15		15		3
Total impaired loans	$	40,480	$	49,851	$	2,476

	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 September 30, 2014
	Commercial			Single-family			Commercial and
	real estate			residential			industrial		Consumer		Other		Total
Allowance for loan losses, beginning of period	$	10,259		$	3,112		$	1,083	$	915	$	227	$	15,596
Provision for loan losses		(436	)		(374	)		231		61		18		(500	)
Loan charge-offs		150			331			33		49		158		721
Loan recoveries		61			840			11		10		69		991
Net loans charged-off (recovered)		89			(509	)		22		39		89		(270	)
Allowance for loan losses, end of period	$	9,734		$	3,247		$	1,292	$	937	$	156	$	15,366

	For the nine months ended September 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		(214	)		(302	)		(247	)		(84	)		347			(500	)
Loan charge-offs		929			520			178			159			425			2,211
Loan recoveries		312			945			35			62			238			1,592
Net loans charged-off (recovered)		617			(425	)		143			97			187			619
Allowance for loan losses, end of period	$	9,734		$	3,247		$	1,292		$	937		$	156		$	15,366

	September 30, 2014
	Commercial		Single-family		Commercial and
	real estate		residential		industrial		Consumer		Other		Total
Individually evaluated for impairment	$	2,115	$	70	$	288	$	3	$	-	$	2,476
Collectively evaluated for impairment		7,619		3,177		1,004		934		156		12,890
Allowance for loan losses, end of period	$	9,734	$	3,247	$	1,292	$	937	$	156	$	15,366
Individually evaluated for impairment	$	37,569	$	1,332	$	1,564	$	15	$	-	$	40,480
Collectively evaluated for impairment		408,679		192,542		71,999		53,056		10,191		736,467
Loans, gross	$	446,248	$	193,874	$	73,563	$	53,071	$	10,191	$	776,947

	For the three months ended September 30, 2013
	Commercial		Single-family		Commercial and
	real estate		residential		industrial			Consumer		Other		Total
Allowance for loan losses, beginning of period	$	11,029	$	3,018	$	2,139		$	1,025	$	7	$	17,218
Provision for loan losses		562		214		(254	)		50		73		645
Loan charge-offs		526		179		472			58		151		1,386
Loan recoveries		40		28		44			36		81		229
Net loans charged-off		486		151		428			22		70		1,157
Allowance for loan losses, end of period	$	11,105	$	3,081	$	1,457		$	1,053	$	10	$	16,706

	For the nine months ended September 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		(36	)		465		960		68		208		1,665
Loan charge-offs		1,284			611		846		219		501		3,461
Loan recoveries		108			87		79		111		292		677
Net loans charged-off		1,176			524		767		108		209		2,784
Allowance for loan losses, end of period	$	11,105		$	3,081	$	1,457	$	1,053	$	10	$	16,706

	September 30, 2013
	Commercial		Single-family		Commercial and
	real estate		residential		industrial		Consumer		Other		Total
Individually evaluated for impairment	$	1,952	$	195	$	17	$	4	$	-	$	2,168
Collectively evaluated for impairment		9,153		2,886		1,440		1,049		10		14,538
Allowance for loan losses, end of period	$	11,105	$	3,081	$	1,457	$	1,053	$	10	$	16,706
Individually evaluated for impairment	$	40,224	$	2,633	$	1,294	$	34	$	-	$	44,185
Collectively evaluated for impairment		414,834		172,060		65,803		49,362		10,570		712,629
Loans, gross	$	455,058	$	174,693	$	67,097	$	49,396	$	10,570	$	756,814

Commercial and Industrial [Member]

Note 5 - Loans (Tables) [Line Items]

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		2,747		8,950		76,742		88,439
Grade 4		17,533		1,180		178,794		197,507
Grade W		9,991		7,815		79,065		96,871
Grade 5		149		-		16,512		16,661
Grade 6		1,938		-		26,866		28,804
Grade 7		544		-		1,554		2,098
Not risk rated*		15,843		25		-		15,868
Total	$	48,745	$	17,970	$	379,533	$	446,248

	Commercial and industrial
Grade 1	$	803
Grade 2		1,588
Grade 3		11,883
Grade 4		51,683
Grade W		4,063
Grade 5		335
Grade 6		2,751
Grade 7		415
Not risk rated		42
Total	$	73,563

	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

	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

Mortgage, Consumer and Other Loans [Member]

Note 5 - Loans (Tables) [Line Items]

Financing Receivable Credit Quality Indicators [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	$	75,581	$	112,492	$	2,834	$	190,907
Nonperforming		790		2,092		85		2,967
Total	$	76,371	$	114,584	$	2,919	$	193,874

	Indirect automobile		All other consumer		Total consumer
Performing	$	42,147	$	10,801	$	52,948
Nonperforming		104		19		123
Total	$	42,251	$	10,820	$	53,071

	Other
Performing	$	10,191
Nonperforming		-
Total	$	10,191

	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

	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

Three Months Ended [Member]

Note 5 - Loans (Tables) [Line Items]

Schedule of Loans Modified [Table Text Block]

	For the three months ended September 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	$	480	$	480
Total commercial real estate		-		-		-		1		480		480
Commercial and industrial		-		-		-		1		241		241
Loans, gross		-	$	-	$	-		2	$	721	$	721

	For the three months ended September 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		-	$	-	$	-		2	$	721	$	721
Loans, gross		-	$	-	$	-		2	$	721	$	721

Nine Months Ended [Member]

Note 5 - Loans (Tables) [Line Items]

Schedule of Loans Modified [Table Text Block]

	For the nine months ended September 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		3		3,099		3,099
Total commercial real estate		1		883		883		4		3,159		3,159
Commercial and industrial		3		2,665		1,365		1		241		241
Loans, gross		4	$	3,548	$	2,248		5	$	3,400	$	3,400

	For the nine months ended September 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		4		3,340		3,340
Term and principal concessions		3		2,665		1,365		-		-		-
Loans, gross		4	$	3,548	$	2,248		5	$	3,400	$	3,400