Note 4 - 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
Consumer
Credit cards	$	175,760	$	189,970
Student loans		36,441		47,419
Other consumer		107,604		109,211
Total consumer		319,805		346,600
Real Estate
Construction		128,423		109,825
Single family residential		355,976		355,094
Other commercial		546,224		536,372
Total real estate		1,030,623		1,001,291
Commercial
Commercial		138,719		141,422
Agricultural		130,727		85,728
Total commercial		269,446		227,150
Other		3,527		4,728
Loans		1,623,401		1,579,769
Loans acquired, covered by FDIC loss share (net of discount)		163,657		158,075
Loans acquired, not covered by FDIC loss share (net of discount)		73,023		--
Total loans before allowance for loan losses	$	1,860,081	$	1,737,844

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

(In thousands)	September 30, 2012		December 31, 2011
Consumer:
Credit cards	$	295	$	305
Student loans		--		--
Other consumer		804		839
Total consumer		1,099		1,144
Real estate:
Construction		537		121
Single family residential		2,203		3,198
Other commercial		3,746		7,233
Total real estate		6,486		10,552
Commercial:
Commercial		689		757
Agricultural		206		454
Total commercial		895		1,211
Other		--		--
Total	$	8,480	$	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
September 30, 2012
Consumer:
Credit cards	$	696	$	595	$	1,291	$	174,469	$	175,760	$	300
Student loans		2,376		2,324		4,700		31,741		36,441		2,324
Other consumer		1,320		521		1,841		105,763		107,604		184
Total consumer		4,392		3,440		7,832		311,973		319,805		2,808
Real estate:
Construction		129		408		537		127,886		128,423		--
Single family residential		1,645		1,870		3,515		352,461		355,976		451
Other commercial		1,295		3,527		4,822		541,402		546,224		--
Total real estate		3,069		5,805		8,874		1,021,749		1,030,623		451
Commercial:
Commercial		1,416		565		1,981		136,738		138,719		66
Agricultural		42		180		222		130,505		130,727		--
Total commercial		1,458		745		2,203		267,243		269,446		66
Other		--		--		--		3,527		3,527		--
Total	$	8,919	$	9,990	$	18,909	$	1,604,492	$	1,623,401	$	3,325
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
September 30, 2012											Three Months Ended				Nine Months Ended
Consumer:
Credit cards	$	595	$	595	$	--	$	595	$	89	$	563	$	4	$	570	$	12
Student loans		70		70		--		70		2		--		--		--		--
Other consumer		1,087		952		125		1,077		252		1,193		14		1,192		44
Total consumer		1,752		1,617		125		1,742		343		1,756		18		1,762		56
Real estate:
Construction		5,478		3,937		1,497		5,434		512		5,634		68		5,493		203
Single family residential		3,909		2,965		734		3,699		437		3,611		43		4,034		149
Other commercial		23,424		7,843		14,233		22,076		1,727		21,992		265		23,405		862
Total real estate		32,811		14,745		16,464		31,209		2,676		31,237		376		32,932		1,214
Commercial:
Commercial		873		541		317		858		248		827		10		810		30
Agricultural		213		132		7		139		24		132		2		267		10
Total commercial		1,086		673		324		997		272		959		12		1,077		40
Other		--		--		--		--		--		--		--		--		--
Total	$	35,649	$	17,035	$	16,913	$	33,948	$	3,291	$	33,952	$	406	$	35,771	$	1,310

December 31, 2011											Three Months Ended September 30, 2011				Nine Months Ended September 30, 2011
Consumer:
Credit cards	$	605	$	605	$	--	$	605	$	91	$	569	$	13	$	743	$	38
Student loans		--		--		--		--		--		--		--		--		--
Other consumer		1,359		1,203		128		1,331		266		1,211		13		1,290		42
Total consumer		1,964		1,808		128		1,936		357		1,780		26		2,033		80
Real estate:
Construction		5,324		3,783		1,498		5,281		415		5,855		64		7,127		231
Single family residential		5,152		4,243		589		4,832		402		6,712		73		6,264		203
Other commercial		28,538		13,642		13,100		26,742		1,942		30,828		336		31,015		1,009
Total real estate		39,014		21,668		15,187		36,855		2,759		43,395		473		44,406		1,443
Commercial:
Commercial		949		569		312		881		214		1,173		13		1,308		42
Agricultural		572		332		104		436		153		584		6		563		18
Total commercial		1,521		901		416		1,317		367		1,757		19		1,871		60
Other		--		--		--		--		--		--		--		--		--
Total	$	42,499	$	24,377	$	15,731	$	40,108	$	3,483	$	46,932	$	518	$	48,310	$	1,583

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
September 30, 2012
Consumer:
Other consumer		3	$	46		--	$	--		3	$	46
Total consumer		3		46		--		--		3		46
Real estate:
Construction		2		1,212		--		--		2		1,212
Single-family residential		3		574		1		18		4		592
Other commercial		15		9,085		2		2,347		17		11,432
Total real estate		20		10,871		3		2,365		23		13,236
Commercial:
Commercial		2		78		2		324		4		402
Total commercial		2		78		2		324		4		402
Total		25	$	10,995		5	$	2,689		30	$	13,684
December 31, 2011
Consumer:
Other consumer		5	$	23		--	$	--		5	$	23
Total consumer		5		23		--		--		5		23
Real estate:
Construction		1		1,277		--		--		1		1,277
Single-family residential		5		957		1		34		6		991
Other commercial		13		8,601		7		5,082		20		13,683
Total real estate		19		10,835		8		5,116		27		15,951
Commercial:
Commercial		2		332		1		35		3		367
Agricultural		2		201		--		--		2		201
Total commercial		4		533		1		35		5		568
Total		28	$	11,391		9	$	5,151		37	$	16,542

Schedule of Loans Restructured as TDRs [Table Text Block]

							Modification Type
(Dollars in thousands)	Number of Loans		Balance Prior to TDR		Balance at September 30		Change in Maturity Date		Change in Rate		Financial Impact on Date of Restructure
Nine Months Ended September 30, 2012
Consumer:
Other consumer		1	$	48	$	33	$	--	$	33	$	--
Total consumer		1		48		33		--		33		--
Real estate:
Other commercial		4		1,054		887		--		887		--
Total real estate		4		1,054		887		--		887		--
Commercial:
Commercial		1		50		39		--		39		--
Total commercial		1		50		39		--		39		--
Total		6	$	1,152	$	959	$	--	$	959	$	--
Three Months Ended September 30, 2011
Consumer:
Other consumer		1	$	514	$	514	$	514	$	--	$	--
Total consumer		1		514		514		514		--		--
Total		1	$	514	$	514	$	514	$	--	$	--
Nine Months Ended September 30, 2011
Consumer:
Other consumer		3	$	20	$	13	$	13	$	--	$	--
Total consumer		3		20		13		13		--		--
Real estate:
Single-family residential		1		262		259		259		--		--
Other commercial		2		526		524		524		--		--
Total real estate		3		788		783		783		--		--
Commercial:
Commercial		2		346		340		340		--		--
Total commercial		2		346		340		340		--		--
Total		8	$	1,154	$	1,136	$	1,136	$	--	$	--

Loans for which a payment default occurred, and that has been modified as a TDR within 12 months or less of the payment default, excluding loans acquired [Table Text Block]

(Dollars in thousands)	Number of Loans		Recorded Balance at September 30		Charge-offs		Transfers to OREO
Three Months Ended September, 2012
Real estate:
Other commercial		1	$	--	$	--	$	473
Total real estate		1		--		--		473
Commercial:
Commercial		1		7		125		--
Total commercial		1		7		125		--
Total		2	$	7	$	125	$	473
Nine Months Ended September, 2012
Real estate:
Other commercial		1	$	--	$	--	$	473
Total real estate		1		--		--		473
Commercial:
Commercial		1		7		125		--
Total commercial		1		7		125		--
Total		2	$	7	$	125	$	473
Three Months Ended September, 2011
Real estate:
Other commercial		1	$	724	$	556	$	--
Total real estate		1		724		556		--
Total		1	$	724	$	556	$	--
Nine Months Ended September, 2011
Real estate:
Other commercial		5	$	4,057	$	556	$	--
Total real estate		5		4,057		556		--
Commercial:
Commercial		1		35		3		--
Total commercial		1		35		3		--
Total		6	$	4,092	$	559	$	--

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
September 30, 2012
Consumer:
Credit cards	$	175,165	$	--	$	595	$	--	$	--	$	175,760
Student loans		34,117		--		2,324		--		--		36,441
Other consumer		105,777		48		1,720		36		23		107,604
Total consumer		315,059		48		4,639		36		23		319,805
Real estate:
Construction		121,984		239		6,200		--		--		128,423
Single family residential		348,654		1,650		5,609		63		--		355,976
Other commercial		511,509		8,758		25,957		--		--		546,224
Total real estate		982,147		10,647		37,766		63		--		1,030,623
Commercial:
Commercial		135,936		166		2,612		5		--		138,719
Agricultural		130,323		--		404		--		--		130,727
Total commercial		266,259		166		3,016		5		--		269,446
Other		3,527		--		--		--		--		3,527
Loans acquired, covered by FDIC loss share		163,657		--		--		--		--		163,657
Loans acquired, not covered by FDIC loss share		73,023		--		--		--		--		73,023
Total	$	1,803,672	$	10,861	$	45,421	$	104	$	23	$	1,860,081

(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 acquired, covered by FDIC loss share		158,075		--		--		--		--		158,075
Total	$	1,663,055	$	14,211	$	60,443	$	109	$	26	$	1,737,844

Schedule of Net (charge-offs)/recoveries, excluding loans acquired [Table Text Block]

	Three Months Ended September 30,						Nine Months Ended September 30,
(In thousands)	2012			2011			2012			2011
Consumer:
Credit cards	$	(564	)	$	(879	)	$	(1,968	)	$	(2,706	)
Student loans		(20	)		(9	)		(58	)		(31	)
Other consumer		(231	)		(222	)		(380	)		(825	)
Total consumer		(815	)		(1,110	)		(2,406	)		(3,562	)
Real estate:
Construction		--			(15	)		46			(787	)
Single-family residential		(246	)		(125	)		(457	)		(480	)
Other commercial		(466	)		36			(1,741	)		(468	)
Total real estate		(712	)		(104	)		(2,152	)		(1,735	)
Commercial:
Commercial		(24	)		(276	)		(67	)		(847	)
Agriculture		--			3			(184	)		34
Total commercial		(24	)		(273	)		(251	)		(813	)
Other		--			--			--			--
Total	$	(1,551	)	$	(1,487	)	$	(4,809	)	$	(6,110	)

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 September 30, 2012
Balance, beginning of period	$	1,983		$	10,468		$	5,486		$	1,776		$	8,684		$	28,397
Provision for loan losses		83			327			527			236			126			1,299
Charge-offs		(86	)		(773	)		(806	)		(358	)		--			(2,023	)
Recoveries		62			61			242			107			--			472
Net charge-offs		(24	)		(712	)		(564	)		(251	)		--			(1,551	)
Balance, September 30, 2012	$	2,042		$	10,083		$	5,449		$	1,761		$	8,810		$	28,145
Nine Months Ended September 30, 2012
Balance, beginning of year	$	2,063		$	10,117		$	5,513		$	1,847		$	10,568		$	30,108
Provision for loan losses		230			2,118			1,904			352			(1,758	)		2,846
Charge-offs		(380	)		(3,390	)		(2,632	)		(836	)		--			(7,238	)
Recoveries		129			1,238			664			398			--			2,429
Net charge-offs		(251	)		(2,152	)		(1,968	)		(438	)		--			(4,809	)
Balance, September 30, 2012	$	2,042		$	10,083		$	5,449		$	1,761		$	8,810		$	28,145
Period-end amount allocated to:
Loans individually evaluated for impairment	$	272		$	2,676		$	89		$	254		$	--		$	3,291
Loans collectively evaluated for impairment		1,770			7,407			5,360			1,507			8,810			24,854
Balance, September 30, 2012	$	2,042		$	10,083		$	5,449		$	1,761		$	8,810		$	28,145

(In thousands)	Commercial			Real Estate			Credit Card			Other Consumer and Other			Unallocated		Total
Three Months Ended September 30, 2011
Balance, beginning of period	$	2,524		$	9,929		$	5,487		$	1,777		$	8,079	$	27,796
Provision for loan losses		116			(64	)		919			320			1,551		2,842
Charge-offs		(345	)		(255	)		(1,140	)		(450	)		--		(2,190	)
Recoveries		72			151			261			219			--		703
Net charge-offs		(273	)		(104	)		(879	)		(231	)		--		(1,487	)
Balance, September 30	$	2,367		$	9,761		$	5,527		$	1,866		$	9,630	$	29,151
Nine Months Ended September 30, 2011
Balance, beginning of year	$	2,277		$	9,692		$	5,549		$	1,958		$	6,940	$	26,416
Provision for loan losses		903			1,804			2,684			764			2,690		8,845
Charge-offs		(1,185	)		(2,280	)		(3,441	)		(1,360	)		--		(8,266	)
Recoveries		372			545			735			504			--		2,156
Net charge-offs		(813	)		(1,735	)		(2,706	)		(856	)		--		(6,110	)
Balance, September 30	$	2,367		$	9,761		$	5,527		$	1,866		$	9,630	$	29,151
Period-end amount allocated to:
Loans individually evaluated for impairment	$	312		$	2,371		$	107		$	279		$	--	$	3,069
Loans collectively evaluated for impairment		2,055			7,390			5,420			1,587			9,630		26,082
Balance, September 30	$	2,367		$	9,761		$	5,527		$	1,866		$	9,630	$	29,151
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
September 30, 2012
Loans individually evaluated for impairment	$	997	$	31,209	$	595	$	1,147	$	33,948
Loans collectively evaluated for impairment		268,449		999,414		175,165		146,425		1,589,453
Balance, end of period	$	269,446	$	1,030,623	$	175,760	$	147,572	$	1,623,401
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