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Note 7 - Loans and Allowance for Loan Losses (Tables)
 9 Months Ended
Sep. 30, 2012
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
(In thousands)
 
September 30,
2012
   
December 31,
2011
 
             
Real Estate:
           
Real estate – construction and land development
  $ 115,324     $ 119,989  
Real estate mortgage – residential
    413,284       445,464  
Real estate mortgage – farmland and other commercial enterprises
    377,696       384,331  
Commercial:
               
Commercial and industrial
    48,452       48,771  
States and political subdivisions
    22,489       23,601  
Lease financing
    3,510       7,578  
Other
    19,032       21,435  
Consumer:
               
Secured
    12,154       14,214  
Unsecured
    6,531       7,151  
Total loans
    1,018,472       1,072,534  
Less unearned income
    (161 )     (426 )
Total loans, net of unearned income
  $ 1,018,311     $ 1,072,108  
Allowance for Credit Losses on Financing Receivables [Table Text Block]
(In thousands)
 
Real Estate
   
Commercial
   
Consumer
   
Total
 
Three months ended September 30, 2012
                       
Balance, beginning of period
  $ 24,221     $ 2,137     $ 755     $ 27,113  
Provision for loan losses
    (1,114 )     591       267       (256 )
Recoveries
    50       8       80       138  
Loans charged off
    (1,716 )     (36 )     (99 )     (1,851 )
Balance, end of period
  $ 21,441     $ 2,700     $ 1,003     $ 25,144  
                                 
Nine months ended September 30, 2012
                               
Balance, beginning of period
  $ 23,538     $ 3,508     $ 1,218     $ 28,264  
Provision for loan losses
    2,916       (790 )     (64 )     2,062  
Recoveries
    252       129       192       573  
Loans charged off
    (5,265 )     (147 )     (343 )     (5,755 )
Balance, end of period
  $ 21,441     $ 2,700     $ 1,003     $ 25,144  
(In thousands)
 
Real Estate
   
Commercial
   
Consumer
   
Total
 
Three months ended September 30, 2011
                       
Balance, beginning of period
  $ 25,432     $ 3,369     $ 937     $ 29,738  
Provision for loan losses
    3,742       (775 )     265       3,232  
Recoveries
    105       622       90       817  
Loans charged off
    (2,614 )     (114 )     (187 )     (2,915 )
Balance, end of period
  $ 26,665     $ 3,102     $ 1,105     $ 30,872  
                                 
Nine months ended September 30, 2011
                               
Balance, beginning of period
  $ 24,527     $ 3,260     $ 997     $ 28,784  
Provision for loan losses
    10,367       (517 )     351       10,201  
Recoveries
    188       702       217       1,107  
Loans charged off
    (8,417 )     (343 )     (460 )     (9,220 )
Balance, end of period
  $ 26,665     $ 3,102     $ 1,105     $ 30,872  
Impaired Financing Receivables [Table Text Block]
September 30, 2012 (In thousands)
 
Recorded
Investment
   
Unpaid
Principal
Balance
   
Allowance for
Loan Losses
Allocated
 
Impaired loans with no related allowance recorded:
                 
Real Estate
                 
Real estate – construction and land development
  $ 22,576     $ 30,405        
Real estate mortgage – residential
    4,060       4,578        
Real estate mortgage – farmland and other commercial enterprises
    15,860       17,527        
Total
  $ 42,496     $ 52,510        
                       
Impaired loans with an allowance recorded:
                     
Real Estate
                     
Real estate – construction and land development
  $ 10,733     $ 10,700     $ 696  
Real estate mortgage – residential
    6,179       6,164       1,303  
Real estate mortgage – farmland and other commercial enterprises
    19,211       19,191       1,735  
Commercial
                       
Commercial and industrial
    250       247       244  
Consumer
                       
Secured
    22       22       18  
Unsecured
    277       275       162  
Total
  $ 36,672     $ 36,599     $ 4,158  
December 31, 2011 (In thousands)
 
Recorded
Investment
   
Unpaid
Principal
Balance
   
Allowance for
Loan Losses
Allocated
 
Impaired loans with no related allowance recorded:
                 
Real Estate
                 
Real estate – construction and land development
  $ 26,363     $ 26,337        
Real estate mortgage – residential
    22,923       22,843        
Real estate mortgage – farmland and other commercial enterprises
    43,765       43,438        
Commercial
                     
Commercial and industrial
    2,982       2,939        
Consumer
                     
Unsecured
    19       18        
Total
  $ 96,052     $ 95,575        
                       
Impaired loans with an allowance recorded:
                     
Real Estate
                     
Real estate – construction and land development
  $ 13,440     $ 13,425     $ 139  
Real estate mortgage – residential
    13,239       13,197       998  
Real estate mortgage – farmland and other commercial enterprises
    15,070       15,035       600  
Commercial
                       
Commercial and industrial
    456       453       159  
Consumer
                       
Secured
    60       58       30  
Total
  $ 42,265     $ 42,168     $ 1,926  
Additional Information Regarding Impaired Loans [Table Text Block]
                         
   
Three Months Ended
   
Nine Months Ended
 
   
September 30,
   
September 30,
 
(In thousands)
 
2012
   
2011
   
2012
   
2011
 
Average of individually impaired loans:
                       
Real Estate
                       
Real estate – construction and land development
  $ 26,902     $ 44,832     $ 37,921     $ 55,755  
Real estate mortgage – residential
    8,979       27,731       14,744       29,665  
Real estate mortgage – farmland and other commercial enterprises
    35,076       53,957       38,967       62,980  
Commercial
                               
Commercial and industrial
    214       2,989       426       3,947  
Other
    -       665       -       224  
Consumer
                               
Secured
    22       74       66       74  
Unsecured
    374       -       251       -  
Total average of impaired loans
  $ 71,567     $ 130,248     $ 92,375     $ 152,645  
                                 
Interest income recognized during impairment:
                               
Real Estate
                               
Real estate – construction and land development
  $ 249     $ 229     $ 630     $ 862  
Real estate mortgage – residential
    52       270       308       1,024  
Real estate mortgage – farmland and other commercial enterprises
    418       560       1,419       2,038  
Commercial
                               
Commercial and industrial
    8       39       22       147  
Other
    -       10       -       10  
Consumer
                               
Secured
    -       1       5       4  
Unsecured
    8       -       13       -  
Total interest income recognized during impairment
  $ 735     $ 1,109     $ 2,397     $ 4,085  
                                 
Cash-basis interest income recognized:
                               
Real Estate
                               
Real estate – construction and land development
  $ 204     $ 229     $ 573     $ 765  
Real estate mortgage – residential
    44       265       298       986  
Real estate mortgage – farmland and other commercial enterprises
    608       550       1,437       1,925  
Commercial
                               
Commercial and industrial
    8       39       22       146  
Consumer
                               
Secured
    -       1       5       4  
Unsecured
    7       -       12       -  
Total cash-basis interest income recognized
  $ 871     $ 1,084     $ 2,347     $ 3,826  
Loans and ALL Disaggregated Impairment Method [Table Text Block]
September 30, 2012 (In thousands)
 
Real Estate
   
Commercial
   
Consumer
   
Total
 
Allowance for Loan Losses
                       
Ending allowance balance attributable to loans:
                       
  Individually evaluated for impairment
  $ 3,734     $ 244     $ 180     $ 4,158  
  Collectively evaluated for impairment
    17,707       2,456       823       20,986  
Total ending allowance balance
  $ 21,441     $ 2,700     $ 1,003     $ 25,144  
                                 
Loans
                               
Loans individually evaluated for impairment
  $ 78,619     $ 250     $ 299     $ 79,168  
Loans collectively evaluated for impairment
    827,685       93,072       18,386       939,143  
Total ending loan balance, net of unearned income
  $ 906,304     $ 93,322     $ 18,685     $ 1,018,311  
December 31, 2011 (In thousands)
 
Real Estate
   
Commercial
   
Consumer
   
Total
 
Allowance for Loan Losses
                       
Ending allowance balance attributable to loans:
                       
  Individually evaluated for impairment
  $ 1,737     $ 159     $ 30     $ 1,926  
  Collectively evaluated for impairment
    21,801       3,349       1,188       26,338  
Total ending allowance balance
  $ 23,538     $ 3,508     $ 1,218     $ 28,264  
                                 
Loans
                               
Loans individually evaluated for impairment
  $ 134,800     $ 3,438     $ 79     $ 138,317  
Loans collectively evaluated for impairment
    814,984       97,521       21,286       933,791  
Total ending loan balance, net of unearned income
  $ 949,784     $ 100,959     $ 21,365     $ 1,072,108  
Non-performing Loans Including TDR's [Table Text Block]
September 30, 2012 (In thousands)
 
Nonaccrual
   
Restructured Loans
   
Loans Past Due 90 Days or More and Still Accruing
 
Real Estate:
                 
Real estate – construction and land development
  $ 16,652     $ 8,736     $ 28  
Real estate mortgage – residential
    8,891       717       -  
Real estate mortgage – farmland and other commercial enterprises
    16,778       16,996       -  
Commercial:
                       
Commercial and industrial
    645       -       -  
Lease financing
    162       -       -  
Consumer:
                       
Secured
    21       -       -  
Unsecured
    1       -       -  
Total
  $ 43,150     $ 26,449     $ 28  
December 31, 2011 (In thousands)
 
Nonaccrual
   
Restructured Loans
   
Loans Past Due 90 Days or More and Still Accruing
 
Real Estate:
                 
Real estate – construction and land development
  $ 30,744     $ 6,207     $ -  
Real estate mortgage – residential
    14,578       4,894       -  
Real estate mortgage – farmland and other commercial enterprises
    13,831       8,024       -  
Commercial:
                       
Commercial and industrial
    386       -       -  
Lease financing
    124       -       -  
Consumer:
                       
Secured
    80       -       -  
Unsecured
    12       -       1  
Total
  $ 59,755     $ 19,125     $ 1  
Past Due Financing Receivables [Table Text Block]
September 30, 2012 (In thousands)
 
30-89 Days Past Due
   
90 Days or More Past Due
   
Total
   
Current
   
Total Loans
 
Real Estate:
                             
Real estate – construction and land development
  $ 104     $ 10,224     $ 10,328     $ 104,996     $ 115,324  
Real estate mortgage – residential
    2,298       4,430       6,728       406,556       413,284  
Real estate mortgage – farmland and other commercial enterprises
    537       14,631       15,168       362,528       377,696  
Commercial:
                                       
Commercial and industrial
    99       462       561       47,891       48,452  
States and political subdivisions
    -       -       -       22,489       22,489  
Lease financing, net
    8       162       170       3,179       3,349  
Other
    39       5       44       18,988       19,032  
Consumer:
                                       
Secured
    67       10       77       12,077       12,154  
Unsecured
    138       -       138       6,393       6,531  
Total
  $ 3,290     $ 29,924     $ 33,214     $ 985,097     $ 1,018,311  
December 31, 2011 (In thousands)
 
30-89 Days Past Due
   
90 Days or More Past Due
   
Total
   
Current
   
Total Loans
 
Real Estate:
                             
Real estate – construction and land development
  $ 3,343     $ 18,970     $ 22,313     $ 97,676     $ 119,989  
Real estate mortgage – residential
    5,836       7,352       13,188       432,276       445,464  
Real estate mortgage – farmland and other commercial enterprises
    1,684       12,497       14,181       370,150       384,331  
Commercial:
                                       
Commercial and industrial
    98       300       398       48,373       48,771  
States and political subdivisions
    -       -       -       23,601       23,601  
Lease financing, net
    80       96       176       6,976       7,152  
Other
    29       -       29       21,406       21,435  
Consumer:
                                       
Secured
    200       17       217       13,997       14,214  
Unsecured
    61       5       66       7,085       7,151  
Total
  $ 11,331     $ 39,237     $ 50,568     $ 1,021,540     $ 1,072,108  
Financing Receivable Credit Quality Indicators [Table Text Block]
   
Real Estate
   
Commercial
 
September 30, 2012
(In thousands)
 
Real Estate-Construction and Land Development
   
Real Estate Mortgage-Residential
   
Real Estate Mortgage-Farmland and Other Commercial Enterprises
   
Commercial and Industrial
   
States and Political Subdivisions
   
Lease Financing
   
Other
 
Credit risk profile by internally assigned rating grades:                                          
Pass
  $ 72,675     $ 366,496     $ 296,834     $ 41,249     $ 22,489     $ 3,187     $ 18,532  
Special mention
    7,576       19,467       31,254       6,159       -       -       492  
Substandard
    35,073       27,172       47,976       968       -       162       8  
Doubtful
    -       149       1,632       76       -       -       -  
Total
  $ 115,324     $ 413,284     $ 377,696     $ 48,452     $ 22,489     $ 3,349     $ 19,032  
   
Real Estate
   
Commercial
 
December 31, 2011
(In thousands)
 
Real Estate-Construction and Land Development
   
Real Estate Mortgage-Residential
   
Real Estate Mortgage-Farmland and Other Commercial Enterprises
   
Commercial and Industrial
   
States and Political Subdivisions
   
Lease Financing
   
Other
 
Credit risk profile by internally assigned rating grades:                                          
Pass
  $ 65,306     $ 386,134     $ 303,512     $ 41,556     $ 23,601     $ 7,022     $ 20,415  
Special mention
    7,443       16,585       19,393       2,969       -       6       1,000  
Substandard
    47,091       41,468       59,395       4,103       -       124       20  
Doubtful
    149       1,277       2,031       143       -       -       -  
Total
  $ 119,989     $ 445,464     $ 384,331     $ 48,771     $ 23,601     $ 7,152     $ 21,435  
Credit Quality Consumer Loans [Table Text Block]
   
September 30, 2012
   
December 31, 2011
 
   
Consumer
   
Consumer
 
(In thousands)
 
Secured
   
Unsecured
   
Secured
   
Unsecured
 
Credit risk profile based on payment activity:
                       
Performing
  $ 12,133     $ 6,530     $ 14,134     $ 7,138  
Nonperforming
    21       1       80       13  
Total
  $ 12,154     $ 6,531     $ 14,214     $ 7,151