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

12 Months Ended

Dec. 31, 2016

Notes Tables

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

(In thousands)		2016				2015
Consumer:
Credit cards		$	184,591			$	177,288
Other consumer			303,972				208,380
Total consumer			488,563				385,668
Real estate:
Construction			336,759				279,740
Single family residential			904,245				696,180
Other commercial			1,787,075				1,229,072
Total real estate			3,028,079				2,204,992
Commercial:
Commercial			639,525				500,116
Agricultural			150,378				148,563
Total commercial			789,903				648,679
Other			20,662				7,115
Loans			4,327,207				3,246,454
Loans acquired, net of discount and allowance (1)			1,305,683				1,672,901
Total loans		$	5,632,890			$	4,919,355

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

(In thousands)		2016				2015
Consumer:
Credit cards		$	373			$	212
Other consumer			1,793				442
Total consumer			2,166				654
Real estate:
Construction			3,411				4,955
Single family residential			12,139				5,453
Other commercial			12,385				4,420
Total real estate			27,935				14,828
Commercial:
Commercial			7,765				1,968
Agricultural			1,238				264
Total commercial			9,003				2,232
Total		$	39,104			$	17,714

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, 2016
Consumer:
Credit cards		$	716			$	275			$	991			$	183,600			$	184,591			$	275
Other consumer			3,786				1,027				4,813				299,159				303,972				11
Total consumer			4,502				1,302				5,804				482,759				488,563				286
Real estate:
Construction			1,420				1,246				2,666				334,093				336,759				--
Single family residential			6,310				5,927				12,237				892,008				904,245				14
Other commercial			4,212				6,722				10,934				1,776,141				1,787,075				--
Total real estate			11,942				13,895				25,837				3,002,242				3,028,079				14
Commercial:
Commercial			2,040				5,296				7,336				632,189				639,525				--
Agricultural			121				1,215				1,336				149,042				150,378				--
Total commercial			2,161				6,511				8,672				781,231				789,903				--
Other			--				--				--				20,662				20,662				--
Total		$	18,605			$	21,708			$	40,313			$	4,286,894			$	4,327,207			$	300
December 31, 2015
Consumer:
Credit cards		$	639			$	479			$	1,118			$	176,170			$	177,288			$	267
Other consumer			1,879				648				2,527				205,853				208,380				374
Total consumer			2,518				1,127				3,645				382,023				385,668				641
Real estate:
Construction			1,328				4,511				5,839				273,901				279,740				--
Single family residential			4,856				3,342				8,198				687,982				696,180				364
Other commercial			869				3,302				4,171				1,224,901				1,229,072				25
Total real estate			7,053				11,155				18,208				2,186,784				2,204,992				389
Commercial:
Commercial			3,427				637				4,064				496,052				500,116				90
Agricultural			285				243				528				148,035				148,563				56
Total commercial			3,712				880				4,592				644,087				648,679				146
Other			108				93				201				6,914				7,115				15
Total		$	13,391			$	13,255			$	26,646			$	3,219,808			$	3,246,454			$	1,191

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, 2016
Consumer:
Credit cards		$	373			$	373			$	--			$	373			$	--			$	346			$	20
Other consumer			1,836				1,797				3				1,800				1				1,066				47
Total consumer			2,209				2,170				3				2,173				1				1,412				67
Real estate:
Construction			4,275				1,038				2,374				3,412				156				4,436				196
Single family residential			12,970				10,630				1,753				12,383				162				9,486				419
Other commercial			20,993				6,891				7,315				14,206				99				14,932				659
Total real estate			38,238				18,559				11,442				30,001				417				28,854				1,274
Commercial:
Commercial			11,848				2,734				7,573				10,307				262				4,666				206
Agricultural			2,226				1,215				--				1,215				--				1,046				46
Total commercial			14,074				3,949				7,573				11,522				262				5,712				252
Total		$	54,521			$	24,678			$	19,018			$	43,696			$	680			$	35,978			$	1,593
December 31, 2015
Consumer:
Credit cards		$	479			$	479			$	--			$	479			$	7			$	411			$	30
Other consumer			459				423				19				442				85				562				40
Total consumer			938				902				19				921				92				973				70
Real estate:
Construction			5,678				1,636				3,318				4,954				441				5,417				390
Single family residential			5,938				4,702				945				5,647				1,034				5,148				370
Other commercial			5,688				4,328				88				4,416				832				3,147				227
Total real estate			17,304				10,666				4,351				15,017				2,307				13,712				987
Commercial:
Commercial			2,656				1,654				334				1,988				387				1,736				125
Agricultural			264				264				--				264				45				254				18
Total commercial			2,920				1,918				334				2,252				432				1,990				143
Total		$	21,162			$	13,486			$	4,704			$	18,190			$	2,831			$	16,675			$	1,200

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, 2016
Consumer:
Other consumer			--			$	--				1			$	3				1			$	3
Total consumer			--				--				1				3				1				3
Real estate:
Construction			--				--				1				18				1				18
Single-family residential			3				167				29				2,078				32				2,245
Other commercial			23				9,048				2				780				25				9,828
Total real estate			26				9,215				32				2,876				58				12,091
Commercial:
Commercial			15				1,783				5				297				20				2,080
Total commercial			15				1,783				5				297				20				2,080
Total			41			$	10,998				38			$	3,176				79			$	14,174
December 31, 2015
Consumer:
Other consumer			--			$	--				1			$	13				1			$	13
Total consumer			--				--				1				13				1				13
Real estate:
Construction			--				--				1				253				1				253
Single-family residential			2				137				11				1,335				13				1,472
Other commercial			4				2,894				1				597				5				3,491
Total real estate			6				3,031				13				2,185				19				5,216
Commercial:
Commercial			--				--				5				332				5				332
Total commercial			--				--				5				332				5				332
Total			6			$	3,031				19			$	2,530				25			$	5,561

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, 2016
Consumer:
Other consumer			2			$	50			$	11			$	11			$	--			$	--
Total consumer			2				50				11				11				--				--
Real estate:
Single-family residential			23				1,570				1,518				964				554				--
Other commercial			28				10,291				10,260				9,128				1,132				--
Total real estate			51				11,861				11,778				10,092				1,686				--
Commercial:
Commercial			17				1,996				1,968				1,968				--				--
Total commercial			17				1,996				1,968				1,968				--				--
Total			70			$	13,907			$	13,757			$	12,071			$	1,686			$	--
Year Ended December 31, 2015
Consumer:
Other consumer			1			$	13			$	13			$	13			$	--			$	--
Total consumer			1				13				13				13				--				--
Real estate:
Single-family residential			11				1,179				1,103				1,103				--				--
Other commercial			1				1,097				1,097				1,097				--				--
Total real estate			12				2,276				2,200				2,200				--				--
Commercial:
Commercial			5				347				332				332				--				--
Total commercial			5				347				332				332				--				--
Total			18			$	2,636			$	2,545			$	2,545			$	--			$	--

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, 2016
Consumer:
Credit cards		$	183,943			$	--			$	648			$	--			$	--			$	184,591
Other consumer			301,632				26				2,314				--				--				303,972
Total consumer			485,575				26				2,962				--				--				488,563
Real estate:
Construction			330,080				98				6,565				16				--				336,759
Single family residential			875,603				4,024				24,460				158				--				904,245
Other commercial			1,738,207				6,874				41,994				--				--				1,787,075
Total real estate			2,943,890				10,996				73,019				174				--				3,028,079
Commercial:
Commercial			616,805				558				22,162				--				--				639,525
Agricultural			148,218				104				2,033				--				23				150,378
Total commercial			765,023				662				24,195				--				23				789,903
Other			20,662				--				--				--				--				20,662
Loans acquired			1,217,886				22,181				64,075				1,541				--				1,305,683
Total		$	5,433,036			$	33,865			$	164,251			$	1,715			$	23			$	5,632,890

(In thousands)		Risk Rate 1-4				Risk Rate 5				Risk Rate 6				Risk Rate 7				Risk Rate 8				Total
December 31, 2015
Consumer:
Credit cards		$	176,809			$	--			$	479			$	--			$	--			$	177,288
Other consumer			207,069				--				1,262				49				--				208,380
Total consumer			383,878				--				1,741				49				--				385,668
Real estate:
Construction			270,386				319				9,019				16				--				279,740
Single family residential			679,484				2,701				13,824				171				--				696,180
Other commercial			1,178,817				5,404				44,261				590				--				1,229,072
Total real estate			2,128,687				8,424				67,104				777				--				2,204,992
Commercial:
Commercial			487,563				2,760				9,787				6				--				500,116
Agricultural			147,788				--				775				--				--				148,563
Total commercial			635,351				2,760				10,562				6				--				648,679
Other			7,022				--				93				--				--				7,115
Loans acquired, not covered by FDIC loss share			1,590,384				9,150				69,219				3,689				459				1,672,901
Total		$	4,745,322			$	20,334			$	148,719			$	4,521			$	459			$	4,919,355

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

(In thousands)		2016				2015
Consumer:
Credit cards		$	(2,288	)		$	(2,217	)
Other consumer			(1,459	)			(1,134	)
Total consumer			(3,747	)			(3,351	)
Real estate:
Construction			(16	)			(44	)
Single family residential			(706	)			(407	)
Other commercial			(6,444	)			(926	)
Total real estate			(7,166	)			(1,377	)
Commercial:
Commercial			(1,255	)			(1,202	)
Agricultural			(2,336	)			(33	)
Total commercial			(3,591	)			(1,235	)
Total		$	(14,504	)		$	(5,963	)

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

(In thousands)		Commercial				Real Estate				Credit Card				Other Consumer and Other				Total
December 31, 2016 (1)
Balance, beginning of year		$	5,985			$	19,522			$	3,893			$	1,951			$	31,351
Provision for loan losses (1)			5,345				9,461				2,174				2,459				19,439
Charge-offs			(3,956	)			(7,517	)			(3,195	)			(1,975	)			(16,643	)
Recoveries			365				351				907				516				2,139
Net charge-offs			(3,591	)			(7,166	)			(2,288	)			(1,459	)			(14,504	)
Balance, end of year (1)		$	7,739			$	21,817			$	3,779			$	2,951			$	36,286
Period-end amount allocated to:
Loans individually evaluated for impairment		$	262			$	417			$	--			$	1			$	680
Loans collectively evaluated for impairment			7,477				21,400				3,779				2,950				35,606
Balance, end of year   (1)		$	7,739			$	21,817			$	3,779			$	2,951			$	36,286
December 31, 2015 (2)
Balance, beginning of year		$	6,962			$	15,161			$	5,445			$	1,460			$	29,028
Provision for loan losses (1)			258				5,738				665				1,625				8,286
Charge-offs			(1,415	)			(1,580	)			(3,107	)			(1,672	)			(7,774	)
Recoveries			180				203				890				538				1,811
Net charge-offs			(1,235	)			(1,377	)			(2,217	)			(1,134	)			(5,963	)
Balance, end of year (2)		$	5,985			$	19,522			$	3,893			$	1,951			$	31,351
Period-end amount allocated to:
Loans individually evaluated for impairment		$	432			$	2,307			$	7			$	85			$	2,831
Loans collectively evaluated for impairment			5,553				17,215				3,886				1,866				28,520
Balance, end of year (2)		$	5,985			$	19,522			$	3,893			$	1,951			$	31,351

(In thousands)		Commercial				Real Estate				Credit Card				Other Consumer and Other				Total
December 31, 2014
Balance, beginning of year		$	3,205			$	16,885			$	5,430			$	1,922			$	27,442
Provision for loan losses			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		$	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
December 31, 2016
Loans individually evaluated for impairment		$	11,522			$	30,001			$	373			$	1,800			$	43,696
Loans collectively evaluated for impairment			778,381				2,998,078				184,218				322,834				4,283,511
Balance, end of period		$	789,903			$	3,028,079			$	184,591			$	324,634			$	4,327,207
December 31, 2015
Loans individually evaluated for impairment		$	2,252			$	15,017			$	479			$	442			$	18,190
Loans collectively evaluated for impairment			646,427				2,189,975				176,809				215,053				3,228,264
Balance, end of period		$	648,679			$	2,204,992			$	177,288			$	215,495			$	3,246,454

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Tabular disclosure of financing receivables and troubled debt restructurings.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 33
-URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953676-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953682-111524

+ Details

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