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

6 Months Ended

Jun. 30, 2013

Receivables [Abstract]

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

(In thousands)	June 30, 2013		December 31, 2012
Consumer:
Credit cards	$	173,536	$	185,536
Student loans		30,106		34,145
Other consumer		103,765		105,319
Total consumer		307,407		325,000
Real Estate:
Construction		142,902		138,132
Single family residential		364,239		356,907
Other commercial		572,110		568,166
Total real estate		1,079,251		1,063,205
Commercial:
Commercial		152,122		141,336
Agricultural		107,113		93,805
Total commercial		259,235		235,141
Other		4,502		5,167
Loans		1,650,395		1,628,513
Loans acquired, covered by FDIC loss share (net of discount)		163,736		210,842
Loans acquired, not covered by FDIC loss share (net of discount)		63,500		82,764
Total loans before allowance for loan losses	$	1,877,631	$	1,922,119

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

(In thousands)	June 30, 2013		December 31, 2012
Consumer:
Credit cards	$	334	$	281
Other consumer		828		801
Total consumer		1,162		1,082
Real estate:
Construction		110		463
Single family residential		2,069		2,706
Other commercial		2,396		4,254
Total real estate		4,575		7,423
Commercial:
Commercial		439		471
Agricultural		87		147
Total commercial		526		618
Total	$	6,263	$	9,123

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, 2013
Consumer:
Credit cards	$	613	$	507	$	1,120	$	172,416	$	173,536	$	172
Student loans		1,031		2,254		3,285		26,821		30,106		2,254
Other consumer		923		531		1,454		102,311		103,765		127
Total consumer		2,567		3,292		5,859		301,548		307,407		2,553
Real estate:
Construction		22		44		66		142,836		142,902		26
Single family residential		2,157		1,412		3,569		360,670		364,239		439
Other commercial		476		2,336		2,812		569,298		572,110		--
Total real estate		2,655		3,792		6,447		1,072,804		1,079,251		465
Commercial:
Commercial		478		346		824		151,298		152,122		115
Agricultural		126		58		184		106,929		107,113		--
Total commercial		604		404		1,008		258,227		259,235		115
Other		--		--		--		4,502		4,502		--
Total	$	5,826	$	7,488	$	13,314	$	1,637,081	$	1,650,395	$	3,133
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

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, 2013											Three Months Ended June 30, 2013				Six Months Ended June 30, 2013
Consumer:
Credit cards	$	507	$	507	$	--	$	507	$	76	$	501	$	3	$	516	$	8
Other consumer		1,030		928		92		1,020		196		1,026		10		1,061		22
Total consumer		1,537		1,435		92		1,527		272		1,527		13		1,577		30
Real estate:
Construction		3,272		2,052		1,177		3,229		419		3,350		34		4,020		84
Single family residential		3,145		2,130		1,015		3,145		533		3,744		37		3,835		80
Other commercial		9,285		5,183		2,881		8,064		557		11,827		118		14,212		295
Total real estate		15,702		9,365		5,073		14,438		1,509		18,921		189		22,067		459
Commercial:
Commercial		724		458		149		607		105		664		7		669		14
Agricultural		87		87		--		87		9		90		1		90		2
Total commercial		811		545		149		694		114		754		8		759		16
Total	$	18,050	$	11,345	$	5,314	$	16,659	$	1,895	$	21,201	$	210	$	24,403	$	505

December 31, 2012											Three Months Ended June 30, 2012				Six Months Ended June 30, 2012
Consumer:
Credit cards	$	547	$	547	$	--	$	547	$	82	$	540	$	4	$	562	$	8
Other consumer		1,140		999		131		1,130		249		1,145		14		1,206		30
Total consumer		1,687		1,546		131		1,677		331		1,685		18		1,768		38
Real estate:
Construction		5,443		3,866		1,494		5,360		505		5,628		71		5,512		138
Single family residential		4,091		2,877		1,140		4,017		494		3,803		48		4,146		104
Other commercial		21,199		5,903		13,078		18,981		1,310		22,402		283		23,850		596
Total real estate		30,733		12,646		15,712		28,358		2,309		31,833		402		33,508		838
Commercial:
Commercial		842		487		191		678		179		751		10		794		20
Agricultural		236		74		16		90		24		247		3		310		8
Total commercial		1,078		561		207		768		203		998		13		1,104		28
Total	$	33,498	$	14,753	$	16,050	$	30,803	$	2,843	$	34,516	$	433	$	36,380	$	904

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
June 30, 2013
Consumer:
Other consumer		1	$	33		--	$	--		1	$	33
Total consumer		1		33		--		--		1		33
Real estate:
Construction		1		988		--		--		1		988
Single-family residential		4		885		1		11		5		896
Other commercial		13		7,840		1		608		14		8,448
Total real estate		18		9,713		2		619		20		10,332
Commercial:
Commercial		2		76		1		85		3		161
Agriculture		1		652		--		--		1		652
Total commercial		3		728		1		85		4		813
Total		22	$	10,474		3	$	704		25	$	11,178
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		585
Other commercial		14		8,508		4		2,962		18		11,470
Total real estate		19		10,290		5		2,977		24		13,267
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

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		Change in Maturity Date		Change in Rate		Financial Impact on Date of Restructure
Six Months Ended June 30, 2013
Real estate:
Single-family residential		1		321		318		--		318		--
Total real estate		1		321		318		--		318		--
Total		1	$	321	$	318	$	--	$	318	$	--
Six Months Ended June 30, 2012
Consumer:
Other consumer		1	$	48	$	33	$	--	$	33	$	--
Total consumer		1		48		33		--		33		--
Real estate:
Other commercial		4		1,054		879		--		879		--
Total real estate		4		1,054		879		--		879		--
Commercial:
Commercial		1		50		39		--		39		--
Total commercial		1		50		39		--		39		--
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, 2013
Consumer:
Credit cards	$	173,029	$	--	$	507	$	--	$	--	$	173,536
Student loans		27,852		--		2,254		--		--		30,106
Other consumer		102,272		4		1,408		62		19		103,765
Total consumer		303,153		4		4,169		62		19		307,407
Real estate:
Construction		138,888		77		3,937		--		--		142,902
Single family residential		356,634		1,440		6,165		--		--		364,239
Other commercial		542,950		7,264		21,896		--		--		572,110
Total real estate		1,038,472		8,781		31,998		--		--		1,079,251
Commercial:
Commercial		149,631		203		2,288		--		--		152,122
Agricultural		106,936		--		177		--		--		107,113
Total commercial		256,567		203		2,465		--		--		259,235
Other		4,502		--		--		--		--		4,502
Loans acquired, covered by FDIC loss share		163,736		--		--		--		--		163,736
Loans acquired, not covered by FDIC loss share		63,500		--		--		--		--		63,500
Total	$	1,829,930	$	8,988	$	38,632	$	62	$	19	$	1,877,631

(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

	Three Months Ended June 30,						Six Months Ended June 30,
(In thousands)	2013			2012			2013			2012
Consumer:
Credit cards	$	(539	)	$	(617	)	$	(1,212	)	$	(1,404	)
Student loans		(17	)		(20	)		(30	)		(38	)
Other consumer		(177	)		(97	)		(343	)		(149	)
Total consumer		(733	)		(734	)		(1,585	)		(1,591	)
Real estate:
Construction		(7	)		--			(119	)		46
Single-family residential		(54	)		9			(89	)		(211	)
Other commercial		(531	)		161			(555	)		(1,274	)
Total real estate		(592	)		170			(763	)		(1,439	)
Commercial:
Commercial		(28	)		11			(57	)		(43	)
Agriculture		(18	)		(150	)		(32	)		(184	)
Total commercial		(46	)		(139	)		(89	)		(227	)
Total	$	(1,371	)	$	(703	)	$	(2,437	)	$	(3,257	)

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, 2013
Balance, beginning of period	$	3,532		$	16,131		$	6,799		$	1,273		$	--	$	27,735
Provision for loan losses		233			(64	)		616			249			--		1,034
Charge-offs		(133	)		(887	)		(743	)		(310	)		--		(2,073	)
Recoveries		87			295			204			116			--		702
Net charge-offs		(46	)		(592	)		(539	)		(194	)		--		(1,371	)
Balance, June 30, 2013	$	3,719		$	15,475		$	6,876		$	1,328		$	--	$	27,398
Six Months Ended June 30, 2013
Balance, beginning of period	$	3,446		$	15,453		$	7,211		$	1,772		$	--	$	27,882
Provision for loan losses		362			785			877			(71	)		--		1,953
Charge-offs		(229	)		(1,126	)		(1,652	)		(684	)		--		(3,691	)
Recoveries		140			363			440			311			--		1,254
Net charge-offs		(89	)		(763	)		(1,212	)		(373	)		--		(2,437	)
Balance, June 30, 2013	$	3,719		$	15,475		$	6,876		$	1,328		$	--	$	27,398
Period-end amount allocated to:
Loans individually evaluated for impairment	$	114		$	1,509		$	76		$	196		$	--	$	1,895
Loans collectively evaluated for impairment		3,605			13,966			6,800			1,132			--		25,503
Balance, June 30, 2013	$	3,719		$	15,475		$	6,876		$	1,328		$	--	$	27,398

(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		(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 period	$	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
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, December 31, 2012	$	3,446		$	15,453		$	7,211		$	1,772		$	--		$	27,882

(In thousands)	Commercial		Real Estate		Credit Card		Other Consumer and Other		Total
June 30, 2013
Loans individually evaluated for impairment	$	694	$	14,438	$	507	$	1,020	$	16,659
Loans collectively evaluated for impairment		258,541		1,064,813		173,029		137,353		1,633,736
Balance, end of period	$	259,235	$	1,079,251	$	173,536	$	138,373	$	1,650,395
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