Note 4 - Loans and Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2012

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

(In thousands)	June 30, 2012		December 31, 2011
Consumer
Credit cards	$	176,325	$	189,970
Student loans		39,823		47,419
Other consumer		107,284		109,211
Total consumer		323,432		346,600
Real Estate
Construction		117,235		109,825
Single family residential		355,978		355,094
Other commercial		550,418		536,372
Total real estate		1,023,631		1,001,291
Commercial
Commercial		140,868		141,422
Agricultural		122,245		85,728
Total commercial		263,113		227,150
Other		4,560		4,728
Loans not covered by loss share agreements		1,614,736		1,579,769
Loans covered by FDIC loss share agreements		114,189		158,075
Total loans before allowance for loan losses	$	1,728,925	$	1,737,844

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

(In thousands)	June 30, 2012		December 31, 2011
Consumer:
Credit cards	$	318	$	305
Student loans		4		--
Other consumer		870		839
Total consumer		1,192		1,144
Real estate:
Construction		795		121
Single family residential		2,513		3,198
Other commercial		3,813		7,233
Total real estate		7,121		10,552
Commercial:
Commercial		484		757
Agricultural		192		454
Total commercial		676		1,211
Other		--		--
Total	$	8,989	$	12,907

Past Due Financing Receivables [Table Text Block]

(In thousands)	Gross 30-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total Loans		90 Days Past Due & Accruing
June 30, 2012
Consumer:
Credit cards	$	614	$	530	$	1,144	$	175,181	$	176,325	$	212
Student loans		1,187		3,279		4,466		35,357		39,823		3,275
Other consumer		999		553		1,552		105,732		107,284		181
Total consumer		2,800		4,362		7,162		316,270		323,432		3,668
Real estate:
Construction		357		412		769		116,466		117,235		--
Single family residential		2,444		1,705		4,149		351,829		355,978		106
Other commercial		753		3,194		3,947		546,471		550,418		--
Total real estate		3,554		5,311		8,865		1,014,766		1,023,631		106
Commercial:
Commercial		525		247		772		140,096		140,868		10
Agricultural		369		190		559		121,686		122,245		--
Total commercial		894		437		1,331		261,782		263,113		10
Other		--		--		--		4,560		4,560		--
Total	$	7,248	$	10,110	$	17,358	$	1,597,378	$	1,614,736	$	3,784
December 31, 2011
Consumer:
Credit cards	$	820	$	605	$	1,425	$	188,545	$	189,970	$	300
Student loans		1,894		2,483		4,377		43,042		47,419		2,483
Other consumer		1,398		664		2,062		107,149		109,211		335
Total consumer		4,112		3,752		7,864		338,736		346,600		3,118
Real estate:
Construction		548		121		669		109,156		109,825		--
Single family residential		3,581		2,262		5,843		349,251		355,094		121
Other commercial		806		6,240		7,046		529,326		536,372		15
Total real estate		4,935		8,623		13,558		987,733		1,001,291		136
Commercial:
Commercial		467		467		934		140,488		141,422		9
Agricultural		103		312		415		85,313		85,728		5
Total commercial		570		779		1,349		225,801		227,150		14
Other		--		--		--		4,728		4,728		--
Total	$	9,617	$	13,154	$	22,771	$	1,556,998	$	1,579,769	$	3,268

Impaired Financing Receivables [Table Text Block]

(In thousands)	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Average Investment in Impaired Loans		Interest Income Recognized		Average Investment in Impaired Loans		Interest Income Recognized
June 30, 2012											Three Months Ended				Six Months Ended
Consumer:
Credit cards	$	530	$	530	$	--	$	530	$	80	$	540	$	4	$	562	$	8
Student loans		--		--		--		--		--		--		--		--		--
Other consumer		1,249		1,114		125		1,239		244		1,145		14		1,206		30
Total consumer		1,779		1,644		125		1,769		324		1,685		18		1,768		38
Real estate:
Construction		5,876		4,456		1,377		5,833		496		5,628		71		5,512		138
Single family residential		3,592		2,985		538		3,523		445		3,803		48		4,146		104
Other commercial		23,705		7,786		14,122		21,908		1,947		22,402		283		23,850		596
Total real estate		33,173		15,227		16,037		31,264		2,888		31,833		402		33,508		838
Commercial:
Commercial		863		474		322		796		162		751		10		794		20
Agricultural		199		118		7		125		25		247		3		310		8
Total commercial		1,062		592		329		921		187		998		13		1,104		28
Other		--		--		--		--		--		--		--		--		--
Total	$	36,014	$	17,463	$	16,491	$	33,954	$	3,399	$	34,516	$	433	$	36,380	$	904

December 31, 2011											Three Months Ended June 30, 2011				Six Months Ended June 30, 2011
Consumer:
Credit cards	$	605	$	605	$	--	$	605	$	91	$	674	$	12	$	753	$	25
Student loans		--		--		--		--		--		--		--		--		--
Other consumer		1,359		1,203		128		1,331		266		1,269		14		1,300		28
Total consumer		1,964		1,808		128		1,936		357		1,943		26		2,053		53
Real estate:
Construction		5,324		3,783		1,498		5,281		415		7,154		76		7,593		164
Single family residential		5,152		4,243		589		4,832		402		5,853		62		6,024		130
Other commercial		28,538		13,642		13,100		26,742		1,942		31,040		330		31,151		675
Total real estate		39,014		21,668		15,187		36,855		2,759		44,047		468		44,768		969
Commercial:
Commercial		949		569		312		881		214		1,502		16		1,454		31
Agricultural		572		332		104		436		153		441		5		551		12
Total commercial		1,521		901		416		1,317		367		1,943		21		2,005		43
Other		--		--		--		--		--		--		--		--		--
Total	$	42,499	$	24,377	$	15,731	$	40,108	$	3,483	$	47,933	$	515	$	48,826	$	1,065

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Accruing TDR Loans				Nonaccrual TDR Loans				Total TDR Loans
(Dollars in thousands)	Number		Balance		Number		Balance		Number		Balance
Consumer:
Credit cards		--	$	--		--	$	--	$	----
Student loans		--		--		--		--		--		--
Other consumer		3		47		--		--		3		47
Total consumer		3		47		--		--		3		47
Real estate:
Construction		2		1,209		--		--		2		1,209
Single-family residential		3		575		1		21		4		596
Other commercial		14		9,259		3		2,861		17		12,120
Total real estate		19		11,043		4		2,882		23		13,925
Commercial:
Commercial		4		402		--		--		4		402
Agricultural		--		--		--		--		--		--
Total commercial		4		402		--		--		4		402
Other		--		--		--		--		--		--
Total		26	$	11,492		4	$	2,882		30	$	14,374

Schedule of Loans Restructured as TDRs [Table Text Block]

							Modification Type
(Dollars in thousands)	Number of Loans		Balance Prior to TDR		Balance at June 30, 2012		Change in Maturity Date		Change in Rate		Financial Impact on Date of Restructure
Consumer:
Credit cards		--	$	--	$	--	$	--	$	--	$	--
Student loans		--		--		--		--		--		--
Other consumer		1		48		33		--		33		--
Total consumer		1		48		33		--		33		--
Real estate:
Construction		--		--		--		--		--		--
Single family residential		--		--		--		--		--		--
Other commercial		4		1,054		879		--		879		--
Total real estate		4		1,054		879		--		879		--
Commercial:
Commercial		1		50		39		--		39		--
Agricultural		--		--		--		--		--		--
Total commercial		1		50		39		--		39		--
Other		--		--		--		--		--		--
Total		6	$	1,152	$	951	$	--	$	951	$	--

Financing Receivable Credit Quality Indicators [Table Text Block]

(In thousands)	Risk Rate 1-4		Risk Rate 5		Risk Rate 6		Risk Rate 7		Risk Rate 8		Total
June 30, 2012
Consumer:
Credit cards	$	175,795	$	--	$	530	$	--	$	--	$	176,325
Student loans		36,544		--		3,279		--		--		39,823
Other consumer		105,261		49		1,911		39		24		107,284
Total consumer		317,600		49		5,720		39		24		323,432
Real estate:
Construction		110,375		413		6,447		--		--		117,235
Single family residential		348,252		1,660		6,052		14		--		355,978
Other commercial		512,175		10,220		28,023		--		--		550,418
Total real estate		970,802		12,293		40,522		14		--		1,023,631
Commercial:
Commercial		137,706		529		2,605		28		--		140,868
Agricultural		121,827		--		418		--		--		122,245
Total commercial		259,533		529		3,023		28		--		263,113
Other		4,560		--		--		--		--		4,560
Loans covered by FDIC loss share agreements		114,189		--		--		--		--		114,189
Total	$	1,666,684	$	12,871	$	49,265	$	81	$	24	$	1,728,925

(In thousands)	Risk Rate 1-4		Risk Rate 5		Risk Rate 6		Risk Rate 7		Risk Rate 8		Total
December 31, 2011
Consumer:
Credit cards	$	189,365	$	--	$	605	$	--	$	--	$	189,970
Student loans		44,936		--		2,483		--		--		47,419
Other consumer		107,217		12		1,906		50		26		109,211
Total consumer		341,518		12		4,994		50		26		346,600
Real estate:
Construction		100,534		3,699		5,592		--		--		109,825
Single family residential		345,880		1,377		7,821		16		--		355,094
Other commercial		491,466		8,465		36,441		--		--		536,372
Total real estate		937,880		13,541		49,854		16		--		1,001,291
Commercial:
Commercial		136,107		510		4,762		43		--		141,422
Agricultural		84,747		148		833		--		--		85,728
Total commercial		220,854		658		5,595		43		--		227,150
Other		4,728		--		--		--		--		4,728
Loans covered by FDIC loss share agreements		158,075		--		--		--		--		158,075
Total	$	1,663,055	$	14,211	$	60,443	$	109	$	26	$	1,737,844

Schedule of Net Charge-Offs/Recoveries [Table Text Block]

	Three Months Ended June 30,						Six Months Ended June 30,
(In thousands)	2012			2011			2012			2011
Consumer:
Credit cards	$	(617	)	$	(908	)	$	(1,404	)	$	(1,827	)
Student loans		(20	)		(14	)		(38	)		(22	)
Other consumer		(97	)		(476	)		(149	)		(603	)
Total consumer		(734	)		(1,398	)		(1,591	)		(2,452	)
Real estate:
Construction		--			(772	)		46			(772	)
Single-family residential		9			(338	)		(211	)		(355	)
Other commercial		161			(425	)		(1,274	)		(504	)
Total real estate		170			(1,535	)		(1,439	)		(1,631	)
Commercial:
Commercial		11			(503	)		(43	)		(571	)
Agriculture		(150	)		(1	)		(184	)		31
Total commercial		(139	)		(504	)		(227	)		(540	)
Other		--			--			--			--
Total	$	(703	)	$	(3,437	)	$	(3,257	)	$	(4,623	)

Allowance for Credit Losses on Financing Receivables [Table Text Block]

(In thousands)	Commercial			Real Estate			Credit Card			Other Consumer and Other			Unallocated			Total
Three Months Ended June 30, 2012
Balance, beginning of period	$	1,914		$	9,641		$	5,500		$	1,771		$	9,499		$	28,325
Provision for loan losses		208			657			603			122			(815	)		775
Charge-offs		(165	)		(78	)		(829	)		(252	)		--			(1,324	)
Recoveries		26			248			212			135			--			621
Net (charge-offs) recoveries		(139	)		170			(617	)		(117	)		--			(703	)
Balance, June 30, 2012	$	1,983		$	10,468		$	5,486		$	1,776		$	8,684		$	28,397
Six Months Ended June 30, 2012
Balance, beginning of year	$	2,063		$	10,117		$	5,513		$	1,847		$	10,568		$	30,108
Provision for loan losses		147			1,790			1,377			116			(1,884	)		1,546
Charge-offs		(294	)		(2,617	)		(1,826	)		(478	)		--			(5,215	)
Recoveries		67			1,178			422			291			--			1,958
Net charge-offs		(227	)		(1,439	)		(1,404	)		(187	)		--			(3,257	)
Balance, June 30, 2012	$	1,983		$	10,468		$	5,486		$	1,776		$	8,684		$	28,397
Period-end amount allocated to:
Loans individually evaluated for impairment	$	187		$	2,888		$	80		$	244		$	--		$	3,399
Loans collectively evaluated for impairment		1,796			7,580			5,406			1,532			8,684			24,998
Balance, June 30, 2012	$	1,983		$	10,468		$	5,486		$	1,776		$	8,684		$	28,397

(In thousands)	Commercial			Real Estate			Credit Card			Other Consumer and Other			Unallocated			Total
Three Months Ended June 30, 2011
Balance, beginning of period	$	2,438		$	9,851		$	5,552		$	1,865		$	8,199		$	27,905
Provision for loan losses		590			1,613			843			402			(120	)		3,328
Charge-offs		(745	)		(1,682	)		(1,145	)		(621	)		--			(4,193	)
Recoveries		241			147			237			131			--			756
Net charge-offs		(504	)		(1,535	)		(908	)		(490	)		--			(3,437	)
Balance, June 30	$	2,524		$	9,929		$	5,487		$	1,777		$	8,079		$	27,796
Six Months Ended June 30, 2011
Balance, beginning of year	$	2,277		$	9,692		$	5,549		$	1,958		$	6,940		$	26,416
Provision for loan losses		787			1,868			1,765			444			1,139			6,003
Charge-offs		(840	)		(2,025	)		(2,301	)		(910	)		--			(6,076	)
Recoveries		300			394			474			285			--			1,453
Net charge-offs		(540	)		(1,631	)		(1,827	)		(625	)		--			(4,623	)
Balance, June 30	$	2,524		$	9,929		$	5,487		$	1,777		$	8,079		$	27,796
Period-end amount allocated to:
Loans individually evaluated for impairment	$	668		$	2,208		$	64		$	266		$	--		$	3,206
Loans collectively evaluated for impairment		1,856			7,721			5,423			1,511			8,079			24,590
Balance, June 30	$	2,524		$	9,929		$	5,487		$	1,777		$	8,079		$	27,796
Period-end amount allocated to:
Loans individually evaluated for impairment	$	367		$	2,759		$	91		$	266		$	--		$	3,483
Loans collectively evaluated for impairment		1,696			7,358			5,422			1,581			10,568			26,625
Balance, December 31, 2011	$	2,063		$	10,117		$	5,513		$	1,847		$	10,568		$	30,108

Schedule of Loans by impairment evaluation [Table Text Block]

(In thousands)	Commercial		Real Estate		Credit Card		Other Consumer and Other		Total
June 30, 2012
Loans individually evaluated for impairment	$	921	$	31,264	$	530	$	1,239	$	33,954
Loans collectively evaluated for impairment		262,192		992,367		175,795		150,428		1,580,782
Balance, end of period	$	263,113	$	1,023,631	$	176,325	$	151,667	$	1,614,736
December 31, 2011
Loans individually evaluated for impairment	$	1,317	$	36,855	$	605	$	1,331	$	40,108
Loans collectively evaluated for impairment		225,833		964,436		189,365		160,027		1,539,661
Balance, end of period	$	227,150	$	1,001,291	$	189,970	$	161,358	$	1,579,769