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

6 Months Ended

Jun. 30, 2015

Receivables [Abstract]

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

(In thousands)	June 30, 2015		December 31, 2014
Consumer:
Credit cards	$	174,074	$	185,380
Other consumer		160,828		103,402
Total consumer		334,902		288,782
Real Estate:
Construction		199,707		181,968
Single family residential		662,954		455,563
Other commercial		878,109		714,797
Total real estate		1,740,770		1,352,328
Commercial:
Commercial		388,869		291,820
Agricultural		141,502		115,658
Total commercial		530,371		407,478
Other		5,186		5,133
Legacy loans		2,611,229		2,053,721
Loans acquired, not covered by FDIC loss share (net of discount) (1)		2,108,306		575,980
Loans acquired, covered by FDIC loss share (net of discount and allowance) (1)		93,121		106,933
Total loans	$	4,812,656	$	2,736,634

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

(In thousands)	June 30, 2015		December 31, 2014
Consumer:
Credit cards	$	321	$	197
Other consumer		308		405
Total consumer		629		602
Real estate:
Construction		5,058		4,863
Single family residential		4,672		4,010
Other commercial		3,266		1,522
Total real estate		12,996		10,395
Commercial:
Commercial		1,844		585
Agricultural		96		456
Total commercial		1,940		1,041
Total	$	15,565	$	12,038

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, 2015
Consumer:
Credit cards	$	539	$	479	$	1,018	$	173,056	$	174,074	$	158
Other consumer		1,650		352		2,002		158,826		160,828		194
Total consumer		2,189		831		3,020		331,882		334,902		352
Real estate:
Construction		475		2,544		3,019		196,688		199,707		357
Single family residential		3,963		3,487		7,450		655,504		662,954		273
Other commercial		1,903		2,193		4,096		874,013		878,109		96
Total real estate		6,341		8,224		14,565		1,726,205		1,740,770		726
Commercial:
Commercial		994		425		1,419		387,450		388,869		203
Agricultural		187		163		350		141,152		141,502		94
Total commercial		1,181		588		1,769		528,602		530,371		297
Other		-		-		-		5,186		5,186		-
Total	$	9,711	$	9,643	$	19,354	$	2,591,875	$	2,611,229	$	1,375
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

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, 2015											Three Months Ended June 30, 2015				Six Months Ended June 30, 2015
Consumer:
Credit cards	$	479	$	479	$	-	$	479	$	14	$	459	$	7	$	372	$	12
Other consumer		519		502		21		523		89		538		11		565		19
Total consumer		998		981		21		1,002		103		997		18		937		31
Real estate:
Construction		6,104		2,650		-		2,650		-		5,066		107		5,717		197
Single family residential		5,744		5,237		639		5,876		920		5,251		93		4,942		170
Other commercial		4,240		3,362		127		3,489		593		3,104		48		2,563		88
Total real estate		16,088		11,249		766		12,015		1,513		13,421		248		13,222		455
Commercial:
Commercial		1,824		2,048		1,102		3,150		363		2,054		29		1,558		54
Agricultural		195		190		-		190		33		166		5		264		9
Total commercial		2,019		2,238		1,102		3,3407		396		2,220		34		1,822		63
Total	$	19,105	$	14,468	$	1,889	$	16,357	$	2,012	$	16,638	$	300	$	15,981	$	549

December 31, 2014											Three Months Ended June 30, 2014				Six Months Ended June 30, 2014
Consumer:
Credit cards	$	197	$	197	$	-	$	197	$	6	$	446	$	4	$	470	$	9
Other consumer		604		610		9		619		118		778		7		823		16
Total consumer		801		807		9		816		124		1,224		11		1,293		25
Real estate:
Construction		7,400		7,020		-		7,020		599		2,840		24		2,962		58
Single family residential		4,442		3,948		377		4,325		899		4,254		36		4,153		81
Other commercial		1,955		1,446		36		1,482		268		9,562		80		9,437		185
Total real estate		13,797		12,414		413		12,827		1,766		16,656		140		16,552		324
Commercial:
Commercial		1,227		566		-		566		102		765		6		664		13
Agricultural		501		460		-		466		83		98		1		92		2
Total commercial		1,728		1,026		-		1,026		185		863		7		756		15
Total	$	16,326	$	14,247	$	422	$	14,669	$	2,075	$	18,743	$	158	$	18,601	$	364

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, 2015
Real estate:
Construction		-	$	-		1	$	263		1	$	263
Single-family residential		2		137		6		953		8		1,090
Other commercial		3		1,822		2		622		5		2,444
Total real estate		5		1,959		9		1,838		14		3,797
Total		5	$	1,959		9	$	1,838		14	$	3,797
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

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
Three Months Ended June 30, 2015
Real Estate:
Single-family residential		4	$	361	$	361	$	361	$	-	$	-
Other commercial		1		19		19		19
Total real estate		5		380		380		380		-		-
Total		5	$	380	$	380	$	380	$	-	$	-
Three Months Ended June 30, 2014
Commercial:
Commercial		1	$	599	$	599	$	599	$	-	$	-
Total commercial		1		599		599		599		-		-
Total		1	$	599	$	599	$	599	$	-	$	-
Six Months Ended June 30, 2015
Real estate:
Single-family residential		6	$	709	$	701	$	701	$	-	$	-
Other commercial		1		19		19		19
Total real estate		7		728		720		720		-		-
Total		7	$	728	$	720	$	720	$	-	$	-
Six Months Ended June 30, 2014
Real estate:
Single-family residential		1	$	1,031	$	1,031	$	1,031	$	-	$	-
Total real estate		1		1,031		1,031		1,031		-		-
Commercial:
Commercial		1		599		599		599		-		-
Total commercial		1		599		599		599		-		-
Total		2	$	1,630	$	1,630	$	1,630	$	-	$	-

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, 2015
Consumer:
Credit cards	$	173,595	$	-	$	479	$	-	$	-	$	174,074
Other consumer		160,243		-		577		8		-		160,828
Total consumer		333,838		-		1,056		8		-		334,902
Real estate:
Construction		192,697		514		6,496		-		-		199,707
Single family residential		651,355		1,616		9,808		175		-		662,954
Other commercial		846,907		5,206		25,996		-		-		878,109
Total real estate		1,690,959		7,336		42,300		175		-		1,740,770
Commercial:
Commercial		377,144		1,374		10,313		38		-		388,869
Agricultural		140,631		700		171		-		-		141,502
Total commercial		517,775		2,074		10,484		38		-		530,371
Other		5,148		-		38		-		-		5,186
Loans acquired, not covered by FDIC loss share		2,046,360		13,901		46,151		1,855		39		2,108,306
Loans acquired, covered by FDIC loss share		93,121		-		-		-		-		93,121
Total	$	4,687,201	$	23,311	$	100,029	$	2,076	$	39	$	4,812,656

(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

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

	Three Months Ended June 30,						Six Months Ended June 30,
(In thousands)	2015			2014			2015			2014
Consumer:
Credit cards	$	(561	)	$	(510	)	$	(1,133	)	$	(1,055	)
Student loans		-			(20	)		-			(29	)
Other consumer		(179	)		(273	)		(266	)		(291	)
Total consumer		(740	)		(803	)		(1,399	)		(1,375	)
Real estate:
Construction		(29	)		(24	)		(29	)		(444	)
Single-family residential		(74	)		(47	)		(325	)		(358	)
Other commercial		(184	)		(11	)		(214	)		(7	)
Total real estate		(287	)		(82	)		(568	)		(809	)
Commercial:
Commercial		-			(170	)		(76	)		(220	)
Agriculture		9			-			9			(18	)
Total commercial		9			(170	)		(67	)		(238	)
Total	$	(1,018	)	$	(1,055	)	$	(2,034	)	$	(2,422	)

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

(In thousands)	Commercial			Real Estate			Credit Card			Other Consumer and Other			Total
Three Months Ended June 30, 2015
Balance, beginning of period (2)	$	6,870		$	15,553		$	5,527		$	1,233		$	29,183
Provision for loan losses (1)		(1,569	)		3,311			352			308			2,402
Charge-offs		-			(333	)		(802	)		(366	)		(1,501	)
Recoveries		9			46			241			187			483
Net recoveries (charge-offs)		9			(287	)		(561	)		(179	)		(1,018	)
Balance, June 30, 2015 (2)	$	5,310		$	18,577		$	5,318		$	1,362		$	30,567
Six Months Ended June 30, 2015
Balance, beginning of period (2)	$	6,962		$	15,161		$	5,445		$	1,460		$	29,028
Provision for loan losses (1)		(1,585	)		3,984			1,006			168			3,573
Charge-offs		(245	)		(626	)		(1,587	)		(586	)		(3,044	)
Recoveries		178			58			454			320			1,010
Net charge-offs		(67	)		(568	)		(1,133	)		(266	)		(2,034	)
Balance, June 30, 2015 (2)	$	5,310		$	18,577		$	5,318		$	1,362		$	30,567
Period-end amount allocated to:
Loans individually evaluated for impairment	$	396		$	1,513		$	14		$	89		$	2,012
Loans collectively evaluated for impairment		4,914			17,064			5,304			1,273			28,555
Balance, June 30, 2015 (2)	$	5,310		$	18,577		$	5,318		$	1,362		$	30,567

(In thousands)	Commercial			Real Estate			Credit Card			Other Consumer and Other			Total
Three Months Ended June 30, 2014
Balance, beginning of period	$	3,508		$	16,393		$	5,444		$	1,638		$	26,983
Provision for loan losses		613			(142	)		576			555			1,602
Charge-offs		(186	)		(1,144	)		(725	)		(426	)		(2,481	)
Recoveries		16			1,062			215			133			1,426
Net charge-offs		(170	)		(82	)		(510	)		(293	)		(1,055	)
Balance, June 30, 2014	$	3,951		$	16,169		$	5,510		$	1,900		$	27,530
Six Months Ended June 30, 2014
Balance, beginning of period	$	3,205		$	16,885		$	5,430		$	1,922		$	27,442
Provision for loan losses		984			93			1,135			298			2,510
Charge-offs		(268	)		(2,179	)		(1,541	)		(574	)		(4,562	)
Recoveries		30			1,370			486			254			2,140
Net charge-offs		(238	)		(809	)		(1,055	)		(320	)		(2,422	)
Balance, June 30, 2014	$	3,951		$	16,169		$	5,510		$	1,900		$	27,530
Period-end amount allocated to:
Loans individually evaluated for impairment	$	136		$	1,697		$	13		$	166		$	2,012
Loans collectively evaluated for impairment		3,815			14,472			5,497			1,734			25,518
Balance, June 30, 2014	$	3,951		$	16,169		$	5,510		$	1,900		$	27,530
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, December 31, 2014 (1)	$	6,962		$	15,161		$	5,445		$	1,460		$	29,028

Schedule of Loans by impairment evaluation [Table Text Block]

(In thousands)	Commercial		Real Estate		Credit Card		Other Consumer and Other		Total
June 30, 2015
Loans individually evaluated for impairment	$	3,340	$	12,015	$	479	$	523	$	16,357
Loans collectively evaluated for impairment		527,031		1,728,755		173,595		165,491		2,594,872
Balance, end of period	$	530,371	$	1,740,770	$	174,074	$	166,014	$	2,611,229
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