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

12 Months Ended

Dec. 31, 2012

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

(In thousands)	2012		2011
Consumer:
Credit cards	$	185,536	$	189,970
Student loans		34,145		47,419
Other consumer		105,319		109,211
Total consumer		325,000		346,600
Real estate:
Construction		138,132		109,825
Single family residential		356,907		355,094
Other commercial		568,166		536,372
Total real estate		1,063,205		1,001,291
Commercial:
Commercial		141,336		141,422
Agricultural		93,805		85,728
Total commercial		235,141		227,150
Other		5,167		4,728
Loans		1,628,513		1,579,769
Loans acquired, covered by FDIC loss share (net of discount)		210,842		158,075
Loans acquired, not covered by FDIC loss share (net of discount)		82,764		--
Total loans before allowance for loan losses	$	1,922,119	$	1,737,844

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

(In thousands)	2012		2011
Consumer:
Credit cards	$	281	$	305
Other consumer		801		839
Total consumer		1,082		1,144
Real estate:
Construction		463		121
Single family residential		2,706		3,198
Other commercial		4,254		7,233
Total real estate		7,423		10,552
Commercial:
Commercial		471		757
Agricultural		147		454
Total commercial		618		1,211
Total	$	9,123	$	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
December 31, 2012
Consumer:
Credit cards	$	710	$	547	$	1,257	$	184,279	$	185,536	$	266
Student loans		901		2,234		3,135		31,010		34,145		2,234
Other consumer		1,149		529		1,678		103,641		105,319		204
Total consumer		2,760		3,310		6,070		318,930		325,000		2,704
Real estate:
Construction		309		365		674		137,458		138,132		--
Single family residential		3,069		1,539		4,608		352,299		356,907		137
Other commercial		716		3,303		4,019		564,147		568,166		--
Total real estate		4,094		5,207		9,301		1,053,904		1,063,205		137
Commercial:
Commercial		340		385		725		140,611		141,336		74
Agricultural		81		113		194		93,611		93,805		--
Total commercial		421		498		919		234,222		235,141		74
Other		--		--		--		5,167		5,167		--
Total	$	7,275	$	9,015	$	16,290	$	1,612,223	$	1,628,513	$	2,915
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
December 31, 2012
Consumer:
Credit cards	$	547	$	547	$	--	$	547	$	82	$	565	$	16
Other consumer		1,140		999		131		1,130		249		1,179		63
Total consumer		1,687		1,546		131		1,677		331		1,744		79
Real estate:
Construction		5,443		3,866		1,494		5,360		505		5,466		291
Single family residential		4,091		2,877		1,140		4,017		494		4,031		214
Other commercial		21,199		5,903		13,078		18,981		1,310		22,521		1,198
Total real estate		30,733		12,646		15,712		28,358		2,309		32,018		1,703
Commercial:
Commercial		842		487		191		678		179		784		42
Agricultural		236		74		16		90		24		232		12
Total commercial		1,078		561		207		768		203		1,016		54
Total	$	33,498	$	14,753	$	16,050	$	30,803	$	2,843	$	34,778	$	1,836
December 31, 2011
Consumer:
Credit cards	$	605	$	605	$	--	$	605	$	91	$	715	$	44
Other consumer		1,359		1,203		128		1,331		266		1,298		57
Total consumer		1,964		1,808		128		1,936		357		2,013		101
Real estate:
Construction		5,324		3,783		1,498		5,281		415		6,758		298
Single family residential		5,152		4,243		589		4,832		402		5,978		264
Other commercial		28,538		13,642		13,100		26,742		1,942		30,160		1,332
Total real estate		39,014		21,668		15,187		36,855		2,759		42,896		1,894
Commercial:
Commercial		949		569		312		881		214		1,223		54
Agricultural		572		332		104		436		153		538		24
Total commercial		1,521		901		416		1,317		367		1,761		78
Total	$	42,499	$	24,377	$	15,731	$	40,108	$	3,483	$	46,670	$	2,073

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
December 31, 2012
Consumer:
Other consumer		1	$	33		1	$	12		2	$	45
Total consumer		1		33		1		12		2		45
Real estate:
Construction		2		1,212		--		--		2		1,212
Single-family residential		3		570		1		15		4		586
Other commercial		14		8,508		4		2,962		18		11,470
Total real estate		19		10,290		5		2,977		24		13,268
Commercial:
Commercial		1		39		1		85		2		124
Agricultural		1		653		--		--		1		653
Total commercial		2		692		1		85		3		777
Total		22	$	11,015		7	$	3,074		29	$	14,089
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		8,602		7		5,082		20		13,683
Total real estate		19		10,836		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 December 31		Change in Maturity Date		Change in Rate		Financial Impact on Date of Restructure
Year Ended December 31, 2012
Consumer:
Other consumer		1	$	48	$	33	$	--	$	33	$	--
Total consumer		1		48		33				33		--
Real estate:
Construction		1		51		51		--		51		--
Single family residential		--		--		--		--		--		--
Other commercial		5		2,178		1,981		653		1,328		--
Total real estate		6		2,229		2,032		653		1,379		--
Commercial:
Commercial		1		50		39		--		39		--
Agricultural		--		--		--		--		--		--
Total commercial		1		50		39		--		39		--
Total		8	$	2,327	$	2,104	$	653	$	1,451	$	--
Year Ended December 31, 2011
Consumer:
Other consumer		4	$	30	$	16	$	16	$	--	$	--
Total consumer		4		30		16		16		--		--
Real estate:
Construction		--		--		--		--		--		--
Single family residential		--		--		--		--		--		--
Other commercial		4		2,112		2,112		2,112		--		--
Total real estate		4		2,112		2,112		2,112		--		--
Commercial:
Commercial		2		346		332		332		--		--
Agricultural		--		--		--		--		--		--
Total commercial		2		346		332		332		--		--
Total		10	$	2,488	$	2,460	$	2,460	$	--	$	--

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 December 31		Charge-offs		Transfers to OREO
Year Ended December 31, 2012
Real estate:
Other commercial		3	$	615	$	1,321	$	473
Total real estate		3		615		1,321		473
Commercial:
Commercial		1		7		125		--
Total commercial		1		7		125		--
Total		4	$	622	$	1,446	$	473
Year Ended December 31, 2011
Real estate:
Other commercial		5	$	4,051	$	556	$	--
Total real estate		5		4,051		556		--
Commercial:
Commercial		1		35		3		--
Total commercial		1		35		3		--
Total		6	$	4,086	$	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
December 31, 2012
Consumer:
Credit cards	$	184,989	$	--	$	547	$	--	$	--	$	185,536
Student loans		31,911		--		2,234		--		--		34,145
Other consumer		103,597		7		1,660		33		22		105,319
Total consumer		320,497		7		4,441		33		22		325,000
Real estate:
Construction		131,873		30		6,229		--		--		138,132
Single family residential		348,628		1,458		6,821		--		--		356,907
Other commercial		540,986		8,484		18,696		--		--		568,166
Total real estate		1,021,487		9,972		31,746				--		1,063,205
Commercial:
Commercial		138,948		114		2,235		39		--		141,336
Agricultural		93,357		--		448		--		--		93,805
Total commercial		232,305		114		2,683		39		--		235,141
Other		5,167		--		--		--		--		5,167
Loans acquired, covered by FDIC loss share		210,842		--		--		--		--		210,842
Loans acquired, not covered by FDIC loss share		82,764		--		--		--		--		82,764
Total	$	1,873,062	$	10,093	$	38,870	$	72	$	22	$	1,922,119

(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]

(In thousands)	2012			2011
Consumer:
Credit cards	$	(2,658	)	$	(3,724	)
Student loans		(86	)		(54	)
Other consumer		(537	)		(1,232	)
Total consumer		(3,281	)		(5,010	)
Real estate:
Construction		7			(753	)
Single family residential		(526	)		(794	)
Other commercial		(2,193	)		(637	)
Total real estate		(2,712	)		(2,184	)
Commercial:
Commercial		(221	)		(538	)
Agricultural		(152	)		(252	)
Total commercial		(373	)		(790	)
Other		--			--
Total	$	(6,366	)	$	(7,984	)

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

(In thousands)	2010
Balance, beginning of year	$	25,016
Provision for loan losses		14,129
Charge-offs		(18,602	)
Recoveries		5,873
Net charge-offs		(12,729	)
Balance, end of year	$	26,416

Schedule of Loans by impairment evaluation [Table Text Block]

(In thousands)	Commercial		Real Estate		Credit Card		Other Consumer and Other		Total
December 31, 2012
Loans individually evaluated for impairment	$	768	$	28,358	$	547	$	1,130	$	30,803
Loans collectively evaluated for impairment		234,373		1,034,847		184,989		143,501		1,597,710
Balance, end of period	$	235,141	$	1,063,205	$	185,536	$	144,631	$	1,628,513
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

Allowance for Loan and Lease Losses [Member]

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

(In thousands)	Commercial			Real Estate			Credit Card			Other Consumer and Other			Unallocated			Total
December 31, 2012
Balance, beginning of year	$	2,063		$	10,117		$	5,513		$	1,847		$	10,568		$	30,108
Provision for loan losses		1,756			8,048			4,356			548			(10,568	)		4,140
Charge-offs		(543	)		(4,095	)		(3,516	)		(1,198	)		--			(9,352	)
Recoveries		170			1,383			858			575			--			2,986
Net charge-offs		(373	)		(2,712	)		(2,658	)		(623	)		--			(6,366	)
Balance, end of year	$	3,446		$	15,453		$	7,211		$	1,772		$	--		$	27,882
Period-end amount allocated to:
Loans individually evaluated for impairment	$	203		$	2,309		$	82		$	249		$	--		$	2,843
Loans collectively evaluated for impairment		3,243			13,144			7,129			1,523			--			25,039
Balance, end of year	$	3,446		$	15,453		$	7,211		$	1,772		$	--		$	27,882
December 31, 2011
Balance, beginning of year	$	2,277		$	9,692		$	5,549		$	1,958		$	6,940		$	26,416
Provision for loan losses		576			2,609			3,688			1,175			3,628			11,676
Charge-offs		(1,411	)		(3,165	)		(4,703	)		(1,890	)		--			(11,169	)
Recoveries		621			981			979			604			--			3,185
Net charge-offs		(790	)		(2,184	)		(3,724	)		(1,286	)		--			(7,984	)
Balance, end of year	$	2,063		$	10,117		$	5,513		$	1,847		$	10,568		$	30,108
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, end of year	$	2,063		$	10,117		$	5,513		$	1,847		$	10,568		$	30,108