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

9 Months Ended

Sep. 30, 2015

Receivables [Abstract]

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

(In thousands)	September 30, 2015		December 31, 2014
Consumer:
Credit cards	$	171,701	$	185,380
Other consumer		182,472		103,402
Total consumer		354,173		288,782
Real Estate:
Construction		253,761		181,968
Single family residential		623,089		455,563
Other commercial		1,037,559		714,797
Total real estate		1,914,409		1,352,328
Commercial:
Commercial		394,422		291,820
Agricultural		170,257		115,658
Total commercial		564,679		407,478
Other		6,017		5,133
Legacy loans		2,839,278		2,053,721
Loans acquired, not covered by FDIC loss share (net of discount and allowance) (1)		2,013,816		575,980
Loans acquired, covered by FDIC loss share (net of discount and allowance) (1)		-		106,933
Total loans	$	4,853,094	$	2,736,634

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

(In thousands)	September 30, 2015		December 31, 2014
Consumer:
Credit cards	$	231	$	197
Other consumer		334		405
Total consumer		565		602
Real estate:
Construction		4,625		4,863
Single family residential		4,912		4,010
Other commercial		3,349		1,522
Total real estate		12,886		10,395
Commercial:
Commercial		1,766		585
Agricultural		88		456
Total commercial		1,854		1,041
Total	$	15,305	$	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
September 30, 2015
Consumer:
Credit cards	$	765	$	231	$	996	$	170,705	$	171,701	$	-
Other consumer		1,411		699		2,110		180,362		182,472		327
Total consumer		2,176		930		3,106		351,067		354,173		327
Real estate:
Construction		3,772		1,979		5,751		248,010		253,761		239
Single family residential		3,922		3,066		6,988		616,101		623,089		388
Other commercial		3,162		2,085		5,247		1,032,312		1,037,559		-
Total real estate		10,856		7,130		17,986		1,896,423		1,914,409		627
Commercial:
Commercial		3,106		652		3,758		390,664		394,422		202
Agricultural		204		191		395		169,862		170,257		119
Total commercial		3,310		843		4,153		560,526		564,679		321
Other		-		-		-		6,017		6,017		-
Total	$	16,342	$	8,903	$	25,245	$	2,814,033	$	2,839,278	$	1,275
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
September 30, 2015											Three Months Ended September 30, 2015				Nine Months Ended September 30, 2015
Consumer:
Credit cards	$	461	$	461	$	-	$	461	$	7	$	450	$	8	$	394	$	20
Other consumer		701		652		20		672		124		612		13		592		33
Total consumer		1,162		1,113		20		1,133		131		1,062		21		986		53
Real estate:
Construction		5,683		2,196		2,781		4,977		378		6,230		109		5,532		306
Single family residential		6,068		4,710		557		5,267		963		4,945		108		5,023		278
Other commercial		4,859		3,541		90		3,631		699		3,175		68		2,830		157
Total real estate		16,610		10,447		3,428		13,875		2,040		14,350		285		13,385		741
Commercial:
Commercial		2,883		1,145		873		2,018		588		1,488		39		1,673		93
Agricultural		207		218		-		218		38		180		5		252		14
Total commercial		3,090		1,363		873		2,236		626		1,668		44		1,925		107
Total	$	20,862	$	12,923	$	4,321	$	17,244	$	2,797	$	17,080	$	350	$	16,296	$	901

December 31, 2014											Three Months Ended September 30, 2014				Nine Months Ended September 30, 2014
Consumer:
Credit cards	$	197	$	197	$	-	$	197	$	6	$	471	$	-	$	482	$	9
Other consumer		604		610		9		619		118		781		14		821		30
Total consumer		801		807		9		816		124		1,252		14		1,303		39
Real estate:
Construction		7,400		7,020		-		7,020		599		4,323		49		3,662		114
Single family residential		4,442		3,948		377		4,325		899		4,583		52		4,282		133
Other commercial		1,955		1,446		36		1,482		268		6,663		75		8,115		252
Total real estate		13,797		12,414		413		12,827		1,766		15,569		176		16,059		499
Commercial:
Commercial		1,227		566		-		566		102		654		7		646		20
Agricultural		501		460		-		466		83		274		3		178		6
Total commercial		1,728		1,026		-		1,026		185		928		10		824		26
Total	$	16,326	$	14,247	$	422	$	14,669	$	2,075	$	17,749	$	200	$	18,186	$	564

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, 2015
Consumer:
Other consumer		-	$	-		1	$	13		1	$	13
Total consumer		-		-		1		13		1		13
Real estate:
Construction		-	$	-		1	$	256		1	$	256
Single-family residential		2		137		9		1,155		11		1,292
Other commercial		3		1,818		6		937		9		2,755
Total real estate		5		1,955		16		2,348		21		4,303
Total		5	$	1,955		17	$	2,361		22	$	4,316
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 September 30		Change in Maturity Date		Change in Rate		Financial Impact on Date of Restructure
Three Months Ended September 30, 2015
Consumer:
Other consumer		1	$	14	$	14	$	14	$	-	$	-
Total consumer		1		14		14		14		-		-
Real Estate:
Single-family residential		2		249		207		207	$	-	$	-
Other commercial		5		347		339		339		-		-
Total real estate		7		596		546		546		-		-
Total		8	$	610	$	560	$	560	$	-	$	-
Three Months Ended September 30, 2014
Commercial:
Commercial		-	$	-	$	-	$	-	$	-	$	-
Total commercial		-		-		-		-		-		-
Total		-	$	-	$	-	$	-	$	-	$	-
Nine Months Ended September 30, 2015
Consumer:
Other consumer		1	$	14	$	14	$	14	$	-	$	-
Total consumer		1		14		14		14		-		-
Real estate:
Single-family residential		8	$	958	$	914	$	914	$	-	$	-
Other commercial		6		366		339		339
Total real estate		14		1,324		1,253		1,253		-		-
Total		15	$	1,338	$	1,267	$	1,267	$	-	$	-
Nine Months Ended September 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		-		-		-		-
Total commercial		1		599		-		-		-		-
Total		2	$	1,630	$	1,031	$	-	$	1,031	$	-

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, 2015
Consumer:
Credit cards	$	171,239	$	-	$	462	$	-	$	-	$	171,701
Other consumer		181,551		-		883		38		-		182,472
Total consumer		352,790		-		1,345		38		-		354,173
Real estate:
Construction		247,457		476		5,812		16		-		253,761
Single family residential		610,347		2,064		10,505		173		-		623,089
Other commercial		996,692		4,869		34,815		1,183		-		1,037,559
Total real estate		1,854,496		7,409		51,132		1,372		-		1,914,409
Commercial:
Commercial		384,393		1,483		8,538		8		-		394,422
Agricultural		169,615		-		642		-		-		170,257
Total commercial		554,008		2,074		9,180		8		-		564,679
Other		6,017		-		-		-		-		6,017
Loans acquired, not covered by FDIC loss share		1,952,157		8,372		51,175		2,108		4		2,013,816
Loans acquired, covered by FDIC loss share		-		-		-		-		-		-
Total	$	4,719,468	$	17,264	$	112,832	$	3,526	$	4	$	4,853,094

(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 September 30,						Nine Months Ended September 30,
(In thousands)	2015			2014			2015			2014
Consumer:
Credit cards	$	(550	)	$	(598	)	$	(1,683	)	$	(1,653	)
Student loans		-			(9	)		-			(38	)
Other consumer		(519	)		(517	)		(785	)		(806	)
Total consumer		(1,069	)		(1,124	)		(2,468	)		(2,497	)
Real estate:
Construction		(15	)		30			(44	)		(424	)
Single-family residential		(43	)		(31	)		(368	)		(389	)
Other commercial		(26	)		(154	)		(240	)		(161	)
Total real estate		(84	)		(155	)		(652	)		(974	)
Commercial:
Commercial		(466	)		(308	)		(542	)		(520	)
Agriculture		(50	)		5			(41	)		(13	)
Total commercial		(516	)		(303	)		(583	)		(533	)
Total	$	(1,669	)	$	(1,582	)	$	(3,703	)	$	(4,004	)

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 September 30, 2015
Balance, beginning of period (2)	$	5,310		$	18,577		$	5,318		$	1,362		$	30,567
Provision for loan losses (1)		725			794			(835	)		798			1,482
Charge-offs		(516	)		(109	)		(763	)		(597	)		(1,985	)
Recoveries		-			25			213			78			316
Net recoveries (charge-offs)		(516	)		(84	)		(550	)		(519	)		(1,669	)
Balance, September 30, 2015 (2)	$	5,519		$	19,287		$	3,933		$	1,641		$	30,380
Nine Months Ended September 30, 2015
Balance, beginning of period (2)	$	6,962		$	15,161		$	5,445		$	1,460		$	29,028
Provision for loan losses (1)		(860	)		4,778			171			966			5,055
Charge-offs		(761	)		(735	)		(2,350	)		(1,183	)		(5,029	)
Recoveries		178			83			667			398			1,326
Net charge-offs		(583	)		(652	)		(1,683	)		(785	)		(3,703	)
Balance, September 30, 2015 (2)	$	5,519		$	19,287		$	3,933		$	1,641		$	30,380
Period-end amount allocated to:
Loans individually evaluated for impairment	$	626		$	2,040		$	7		$	124		$	2,797
Loans collectively evaluated for impairment		4,893			17,247			3,926			1,517			27,583
Balance, September 30, 2015 (2)	$	5,519		$	19,287		$	3,933		$	1,641		$	30,380

(In thousands)	Commercial			Real Estate			Credit Card			Other Consumer and Other			Total
Three Months Ended September 30, 2014
Balance, beginning of period	$	3,951		$	16,169		$	5,510		$	1,900		$	27,530
Provision for loan losses		994			(419	)		576			(23	)		1,128
Charge-offs		(474	)		(534	)		(788	)		(648	)		(2,444	)
Recoveries		171			379			190			122			862
Net charge-offs		(303	)		(155	)		(598	)		(526	)		(1,582	)
Balance, September 30, 2014	$	4,642		$	15,595		$	5,488		$	1,351		$	27,076
Nine Months Ended September 30, 2014
Balance, beginning of period	$	3,205		$	16,885		$	5,430		$	1,922		$	27,442
Provision for loan losses		1,970			(316	)		1,711			273			3,638
Charge-offs		(734	)		(2,484	)		(2,329	)		(1,220	)		(6,767	)
Recoveries		201			1,510			676			376			2,763
Net charge-offs		(533	)		(974	)		(1,653	)		(844	)		(4,004	)
Balance, September 30, 2014	$	4,642		$	15,595		$	5,488		$	1,351		$	27,076
Period-end amount allocated to:
Loans individually evaluated for impairment	$	-		$	478		$	-		$	28		$	506
Loans collectively evaluated for impairment		4,642			15,117			5,488			1,323			26,570
Balance, September 30, 2014	$	4,462		$	15,595		$	5,488		$	1,351		$	27,076
Period-end amount allocated to:
Loans individually evaluated for impairment	$	185		$	1,766		$	6		$	118		$	2,075
Loans collectively evaluated for impairment		6,777			13,395			5,439			1,342			26,953
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
September 30, 2015
Loans individually evaluated for impairment	$	2,236	$	13,875	$	461	$	672	$	17,244
Loans collectively evaluated for impairment		562,443		1,900,534		171,240		187,817		2,822,034
Balance, end of period	$	564,679	$	1,914,409	$	171,701	$	188,489	$	2,839,278
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