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Note 5 - Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2017

Notes Tables

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

(In thousands)		2017				2016
Consumer:
Credit cards		$	185,422			$	184,591
Other consumer			280,094				303,972
Total consumer			465,516				488,563
Real estate:
Construction			614,155				336,759
Single family residential			1,094,633				904,245
Other commercial			2,530,824				1,787,075
Total real estate			4,239,612				3,028,079
Commercial:
Commercial			825,217				639,525
Agricultural			148,302				150,378
Total commercial			973,519				789,903
Other			26,962				20,662
Loans			5,705,609				4,327,207
Loans acquired, net of discount and allowance (1)			5,074,076				1,305,683
Total loans		$	10,779,685			$	5,632,890

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

(In thousands)		2017				2016
Consumer:
Credit cards		$	170			$	373
Other consumer			4,605				1,793
Total consumer			4,775				2,166
Real estate:
Construction			2,242				3,411
Single family residential			13,431				12,139
Other commercial			16,054				12,385
Total real estate			31,727				27,935
Commercial:
Commercial			6,980				7,765
Agricultural			2,160				1,238
Total commercial			9,140				9,003
Total		$	45,642			$	39,104

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, 2017
Consumer:
Credit cards		$	707			$	672			$	1,379			$	184,043			$	185,422			$	332
Other consumer			5,009				3,298				8,307				271,787				280,094				10
Total consumer			5,716				3,970				9,686				455,830				465,516				342
Real estate:
Construction			411				1,210				1,621				612,534				614,155				--
Single family residential			8,071				6,460				14,531				1,080,102				1,094,633				1
Other commercial			2,388				8,031				10,419				2,520,405				2,530,824				--
Total real estate			10,870				15,701				26,571				4,213,041				4,239,612				1
Commercial:
Commercial			1,523				6,125				7,648				817,569				825,217				--
Agricultural			50				2,120				2,170				146,132				148,302
Total commercial			1,573				8,245				9,818				963,701				973,519				--
Other			--				--				--				26,962				26,962				--
Total		$	18,159			$	27,916			$	46,075			$	5,659,534			$	5,705,609			$	343
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

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, 2017
Consumer:
Credit cards		$	170			$	170			$	--			$	170			$	--			$	268			$	47
Other consumer			4,755				4,605				--				4,605				--				3,089				106
Total consumer			4,925				4,775				--				4,775				--				3,357				153
Real estate:
Construction			2,522				1,347				895				2,242				249				2,711				93
Single family residential			14,347				12,725				706				13,431				53				12,904				443
Other commercial			22,308				6,732				9,133				15,865				36				18,624				639
Total real estate			39,177				20,804				10,734				31,538				338				34,239				1,175
Commercial:
Commercial			9,954				4,306				2,269				6,575				--				11,670				400
Agricultural			3,278				1,035				--				1,035				--				1,522				52
Total commercial			13,232				5,341				2,269				7,610				--				13,192				452
Total		$	57,334			$	30,920			$	13,003			$	43,923			$	338			$	50,788			$	1,780
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

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, 2017
Real estate:
Construction			--			$	--			$	1			$	420			$	1			$	420
Single-family residential			4				141				15				954				19				1,095
Other commercial			4				4,322				5				3,712				9				8,034
Total real estate			8				4,463				21				5,086				29				9,549
Commercial:
Commercial			5				2,644				6				745				11				3,389
Total commercial			5				2,644				6				745				11				3,389
Total			13			$	7,107				27			$	5,831				40			$	12,938
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

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, 2017
Real estate:
Construction			1			$	456			$	456			$	456			$	--			$	--
Single-family residential			1				139				130				130				--				--
Other commercial			3				7,715				7,715				7,715				--				33
Total real estate			5				8,310				8,301				8,301				--				33
Commercial:
Commercial			11				2,691				2,604				2,565				39				--
Total commercial			11				2,691				2,604				2,565				39				--
Total			16			$	11,001			$	10,905			$	10,866			$	39			$	33
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			$	--

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, 2017
Consumer:
Credit cards		$	184,920			$	--			$	502			$	--			$	--			$	185,422
Other consumer			275,160				--				4,934				--				--				280,094
Total consumer			460,080				--				5,436				--				--				465,516
Real estate:
Construction			603,126				5,795				5,218				16				--				614,155
Single family residential			1,066,902				3,954				23,490				287				--				1,094,633
Other commercial			2,480,293				19,581				30,950				--				--				2,530,824
Total real estate			4,150,321				29,330				59,658				303				--				4,239,612
Commercial:
Commercial			736,377				74,254				14,402				50				134				825,217
Agricultural			146,065				24				2,190				23				--				148,302
Total commercial			882,442				74,278				16,592				73				134				973,519
Other			26,962				--				--				--				--				26,962
Loans acquired			4,782,384				198,314				93,378				--				--				5,074,076
Total		$	10,302,189			$	301,922			$	175,064			$	376			$	134			$	10,779,685

(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

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

(In thousands)		2017				2016
Consumer:
Credit cards		$	(2,884	)		$	(2,288	)
Other consumer			(1,528	)			(1,459	)
Total consumer			(4,412	)			(3,747	)
Real estate:
Construction			100				(16	)
Single family residential			(1,045	)			(706	)
Other commercial			(6,054	)			(6,444	)
Total real estate			(6,999	)			(7,166	)
Commercial:
Commercial			(7,734	)			(1,255	)
Agricultural			--				(2,336	)
Total commercial			(7,734	)			(3,591	)
Total		$	(19,145	)		$	(14,504	)

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

(In thousands)		Commercial				Real Estate				Credit Card				Other Consumer and Other				Total
December 31, 2017
Balance, beginning of year (2)		$	7,739			$	21,817			$	3,779			$	2,951			$	36,286
Provision for loan losses (1)			7,002				12,463				2,889				2,173				24,527
Charge-offs			(7,837	)			(7,989	)			(3,905	)			(3,767	)			(23,498	)
Recoveries			103				990				1,021				2,239				4,353
Net charge-offs			(7,734	)			(6,999	)			(2,884	)			(1,528	)			(19,145	)
Balance, end of year (2)		$	7,007			$	27,281			$	3,784			$	3,596			$	41,668
Period-end amount allocated to:
Loans individually evaluated for impairment		$	--			$	338			$	--			$	--			$	338
Loans collectively evaluated for impairment			7,007				26,943				3,784				3,596				41,330
Balance, end of year   (2)		$	7,007			$	27,281			$	3,784			$	3,596			$	41,668
December 31, 2016
Balance, beginning of year (2)		$	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 (2)		$	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 (2)		$	7,739			$	21,817			$	3,779			$	2,951			$	36,286

(In thousands)		Commercial				Real Estate				Credit Card				Other Consumer and Other				Total
December 31, 2015
Balance, beginning of year		$	6,962			$	15,161			$	5,445			$	1,460			$	29,028
Provision for loan losses			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		$	5,985			$	19,522			$	3,893			$	1,951			$	31,351

Schedule of Loans by impairment evaluation [Table Text Block]

(In thousands)		Commercial				Real Estate				Credit Card				Other Consumer and Other				Total
December 31, 2017
Loans individually evaluated for impairment		$	7,610			$	31,538			$	170			$	4,605			$	43,923
Loans collectively evaluated for impairment			965,909				4,208,074				185,252				302,451				5,661,686
Balance, end of period		$	973,519			$	4,239,612			$	185,422			$	307,056			$	5,705,609
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

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-URI http://asc.fasb.org/extlink&oid=84173941&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=84173941&loc=SL6953682-111524

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