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

12 Months Ended

Dec. 31, 2014

Receivables [Abstract]

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

(In thousands)	2014		2013
Consumer:
Credit cards	$	185,380	$	184,935
Student loans		-		25,906
Other consumer		103,402		98,851
Total consumer		288,782		309,692
Real estate:
Construction		181,968		146,458
Single family residential		455,563		392,285
Other commercial		714,797		626,333
Total real estate		1,352,328		1,165,076
Commercial:
Commercial		291,820		164,329
Agricultural		115,658		98,886
Total commercial		407,478		263,215
Other		5,133		4,655
Loans		2,053,721		1,742,638
Loans acquired, not covered by FDIC loss share (net of discount)		575,980		515,644
Loans acquired, covered by FDIC loss share (net of discount and allowance)		106,933		146,653
Total loans	$	2,736,634	$	2,404,935

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

(In thousands)	2014		2013
Consumer:
Credit cards	$	197	$	290
Other consumer		405		677
Total consumer		602		967
Real estate:
Construction		4,863		116
Single family residential		4,010		2,957
Other commercial		1,522		1,726
Total real estate		10,395		4,799
Commercial:
Commercial		585		378
Agricultural		456		117
Total commercial		1,041		495
Total	$	12,038	$	6,261

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, 2014
Consumer:
Credit cards	$	687	$	457	$	1,144	$	184,236	$	185,380	$	-
Other consumer		1,349		447		1,796		101,606		103,402		223
Total consumer		2,036		904		2,940		285,842		288,782		223
Real estate:
Construction		760		570		1,330		180,638		181,968		177
Single family residential		4,913		2,213		7,126		448,437		455,563		248
Other commercial		1,987		847		2,834		711,963		714,797		-
Total real estate		7,660		3,630		11,290		1,341,038		1,352,328		425
Commercial:
Commercial		381		354		735		291,085		291,820		-
Agricultural		119		109		228		115,430		115,658		40
Total commercial		500		463		963		406,515		407,478		40
Other		-		-		-		5,133		5,133		-
Total	$	10,196	$	4,997	$	15,193	$	2,038,528	$	2,053,721	$	688
December 31, 2013
Consumer:
Credit cards	$	712	$	520	$	1,232	$	183,703	$	184,935	$	230
Student loans		627		2,264		2,891		23,015		25,906		2,264
Other consumer		911		458		1,369		97,482		98,851		185
Total consumer		2,250		3,242		5,492		304,200		309,692		2,679
Real estate:
Construction		583		30		613		145,845		146,458		-
Single family residential		2,793		1,114		3,907		388,378		392,285		94
Other commercial		1,019		1,533		2,552		623,781		626,333		82
Total real estate		4,395		2,677		7,072		1,158,004		1,165,076		176
Commercial:
Commercial		357		376		733		163,596		164,329		96
Agricultural		42		37		79		98,807		98,886		-
Total commercial		399		413		812		262,403		263,215		96
Other		-		-		-		4,655		4,655		-
Total	$	7,044	$	6,332	$	13,376	$	1,729,262	$	1,742,638	$	2,951

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, 2014
Consumer:
Credit cards	$	197	$	197	$	-	$	197	$	6	$	425	$	20
Other consumer		604		610		9		619		118		780		34
Total consumer		801		807		9		816		124		1,205		54
Real estate:
Construction		7,400		7,020		-		7,020		599		4,334		189
Single family residential		4,442		3,948		377		4,325		899		4,291		187
Other commercial		1,955		1,446		36		1,482		268		6,789		296
Total real estate		13,797		12,414		413		12,827		1,756		15,413		672
Commercial:
Commercial		1,227		566		-		566		102		630		27
Agricultural		501		460		-		460		83		234		10
Total commercial		1,728		1,026		-		1,026		185		864		38
Total	$	16,236	$	14,247	$	422	$	14,669	$	2,065	$	17,482	$	764
December 31, 2013
Consumer:
Credit cards	$	520	$	520	$	-	$	520	$	16	$	518	$	15
Other consumer		925		878		32		910		171		993		41
Total consumer		1,445		1,398		32		1,430		187		1,511		56
Real estate:
Construction		3,251		2,036		1,171		3,207		371		3,692		152
Single family residential		4,497		2,306		1,645		3,951		745		3,754		155
Other commercial		10,328		6,868		2,319		9,187		564		11,924		491
Total real estate		18,076		11,210		5,135		16,345		1,680		19,370		798
Commercial:
Commercial		547		383		78		461		80		613		25
Agricultural		117		80		-		80		13		85		3
Total commercial		664		463		78		541		93		698		28
Total	$	20,185	$	13,071	$	5,245	$	18,316	$	1,960	$	21,579	$	882

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, 2014
Real estate:
Construction		-	$	-		1	$	391		1	$	391
Single-family residential		2		393		1		3		3		396
Other commercial		3		1,840		1		614		4		2,454
Total real estate		5		2,233		3		1,008		8		3,241
Total		5	$	2,233		3	$	1,008		8	$	3,241
December 31, 2013
Real estate:
Construction		1	$	988		-	$	-		1	$	988
Single-family residential		4		862		-		-		4		862
Other commercial		9		6,974		1		608		10		7,582
Total real estate		14		8,824		1		608		15		9,432
Commercial:
Commercial		1		39		1		60		2		99
Agricultural		1		635		-		-		1		635
Total commercial		2		674		1		60		3		734
Total		16	$	9,498		2	$	668		18	$	10,166

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, 2014
Real estate:
Other commercial		2	$	1,427	$	1,427	$	396		1,031	$	-
Total real estate		2		1,427		1,427		396		1,031		-
Commercial:
Commercial		1		598		-		-		-		-
Total commercial		1		598		-		-		-		-
Total		3	$	2,025	$	1,427	$	396	$	1,031	$	-
Year Ended December 31, 2013
Real estate:
Single family residential		1	$	321	$	311	$	-	$	311	$	-
Total real estate		1		321		311		-		311		-
Total		1	$	321	$	311	$	-	$	311	$	-

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, 2014
Consumer:
Credit cards	$	184,923	$	-	$	457	$	-	$	-	$	185,380
Other consumer		102,515		5		839		43		-		103,402
Total consumer		287,438		5		1,296		43		-		288,782
Real estate:
Construction		176,825		84		5,059		-		-		181,968
Single family residential		446,040		1,776		7,665		82		-		455,563
Other commercial		698,329		7,074		9,394		-		-		714,797
Total real estate		1,321,194		8,934		22,118		82		-		1,352,328
Commercial:
Commercial		271,017		1,544		19,248		11		-		291,820
Agricultural		115,106		20		532		-		-		115,658
Total commercial		386,123		1,564		19,780		11		-		407,478
Other		5,133		-		-		-		-		5,133
Loans acquired, not covered by FDIC loss share		535,728		1,435		36,958		1,854		5		575,980
Loans acquired, covered by FDIC loss share		106,933		-		-		-		-		106,933
Total	$	2,642,549	$	11,938	$	80,152	$	1,990	$	5	$	2,736,634

(In thousands)	Risk Rate 1-4		Risk Rate 5		Risk Rate 6		Risk Rate 7		Risk Rate 8		Total
December 31, 2013
Consumer:
Credit cards	$	184,415	$	-	$	520	$	-	$	-	$	184,935
Student loans		23,642		-		2,264		-		-		25,906
Other consumer		97,655		2		1,121		56		17		98,851
Total consumer		305,712		2		3,905		56		17		309,692
Real estate:
Construction		142,213		71		4,174		-		-		146,458
Single family residential		383,934		1,412		6,939		-		-		392,285
Other commercial		600,045		7,597		18,691		-		-		626,333
Total real estate		1,126,192		9,080		29,804		-		-		1,165,076
Commercial:
Commercial		162,118		200		2,001		10		-		164,329
Agricultural		98,761		-		125		-		-		98,886
Total commercial		260,879		200		2,126		10		-		263,215
Other		4,655		-		-		-		-		4,655
Loans acquired, not covered by FDIC loss share		457,097		-		58,547		-		-		515,644
Loans acquired, covered by FDIC loss share		146,653		-		-		-		-		146,653
Total	$	2,301,188	$	9,282	$	94,382	$	66	$	17	$	2,404,935

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

(In thousands)	2014			2013
Consumer:
Credit cards	$	(2,292	)	$	(2,362	)
Student loans		(38	)		(69	)
Other consumer		(1,130	)		(901	)
Total consumer		(3,460	)		(3,332	)
Real estate:
Construction		(356	)		(105	)
Single family residential		(595	)		(256	)
Other commercial		(167	)		(675	)
Total real estate		(1,118	)		(1,036	)
Commercial:
Commercial		(704	)		(157	)
Agricultural		(14	)		(33	)
Total commercial		(718	)		(190	)
Total	$	(5,296	)	$	(4,558	)

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, 2014 (1)
Balance, beginning of year	$	3,205		$	16,885		$	5,430		$	1,922		$	-	$	27,442
Provision for loan losses (1)		4,475			(606	)		2,307			706			-		6,882
Charge-offs		(1,044	)		(2,684	)		(3,188	)		(1,638	)		-		(8,554	)
Recoveries		326			1,566			896			470			-		3,258
Net charge-offs		(718	)		(1,118	)		(2,292	)		(1,168	)		-		(5,296	)
Balance, end of year (1)	$	6,962		$	15,161		$	5,445		$	1,460		$	-	$	29,028
Period-end amount allocated to:
Loans individually evaluated for impairment	$	185		$	1,756		$	6		$	118		$	-	$	2,065
Loans collectively evaluated for impairment		6,777			13,405			5,439			1,342			-		26,963
Balance, end of year	$	6,962		$	15,161		$	5,445		$	1,460		$	-	$	29,028
December 31, 2013
Balance, beginning of year	$	3,446		$	15,453		$	7,211		$	1,772		$	-	$	27,882
Provision for loan losses		(51	)		2,468			581			1,120			-		4,118
Charge-offs		(382	)		(1,628	)		(3,263	)		(1,561	)		-		(6,834	)
Recoveries		192			592			901			591			-		2,276
Net charge-offs		(190	)		(1,036	)		(2,362	)		(970	)		-		(4,558	)
Balance, end of year	$	3,205		$	16,885		$	5,430		$	1,922		$	-	$	27,442
Period-end amount allocated to:
Loans individually evaluated for impairment	$	93		$	1,680		$	16		$	171		$	-	$	1,960
Loans collectively evaluated for impairment		3,112			15,205			5,414			1,751			-		25,482
Balance, end of year	$	3,205		$	16,885		$	5,430		$	1,922		$	-	$	27,442

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

Schedule of Loans by impairment evaluation [Table Text Block]

(In thousands)	Commercial		Real Estate		Credit Card		Other Consumer and Other		Total
December 31, 2014
Loans individually evaluated for impairment	$	1,026	$	12,827	$	197	$	619	$	14,669
Loans collectively evaluated for impairment		406,452		1,339,501		185,183		107,916		2,039,052
Balance, end of period	$	407,478	$	1,352,328	$	185,380	$	108,535	$	2,053,721
December 31, 2013
Loans individually evaluated for impairment	$	541	$	16,345	$	520	$	910	$	18,316
Loans collectively evaluated for impairment		262,674		1,148,731		184,415		128,502		1,724,322
Balance, end of period	$	263,215	$	1,165,076	$	184,935	$	129,412	$	1,742,638