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Note 3 - Loans Leases Receivable - Composition of the Loan Lease Portfolio (Details) - USD ($) | Mar. 31, 2018 | Dec. 31, 2017 | Mar. 31, 2017 | Dec. 31, 2016
--- | --- | --- | --- | ---
Loans |  | $ 3,046,799,276 |  | $ 2,956,713,493 |  |  |
Plus deferred loan/lease origination costs, net of fees |  | 8,103,163 |  | 7,771,907 |  |  |
Gross loans/leases receivable |  | 3,054,902,439 |  | 2,964,485,400 |  |  |
Less allowance |  | (36,532,602) |  | (34,355,728) |  | $ (32,059,150) | $ (30,757,448)
Net loans/leases receivable | [1] | 3,018,369,837 |  | 2,930,129,672 |  |  |
Commercial Portfolio Segment [Member] |  |  |  |  |  |  |
Loans | [2] | 1,201,085,625 |  | 1,134,516,315 |  |  |
Less allowance |  | (15,065,245) |  | (14,323,036) |  | (12,954,090) | (12,545,110)
Commercial Real Estate Portfolio Segment [Member] |  |  |  |  |  |  |
Loans |  | 1,357,703,386 |  | 1,303,491,882 |  |  |
Less allowance |  | (14,938,020) |  | (13,962,688) |  | (12,643,266) | (11,670,609)
Commercial Real Estate Portfolio Segment [Member] | Owner Occupied Commercial Real Estate Loans [Member] |  |  |  |  |  |  |
Loans |  | 346,996,627 |  | 332,742,477 |  |  |
Commercial Real Estate Portfolio Segment [Member] | Construction Loans [Member] |  |  |  |  |  |  |
Loans |  | 171,404,628 |  | 186,402,404 |  |  |
Commercial Real Estate Portfolio Segment [Member] | Other Non-owner Occupied Commercial Real Estate Loans [Member] |  |  |  |  |  |  |
Loans |  | 839,302,131 |  | 784,347,000 |  |  |
Finance Leases Portfolio Segment [Member] |  |  |  |  |  |  |
Loans | [2],[3] | 137,614,465 |  | 141,448,232 |  |  |
Plus deferred loan/lease origination costs, net of fees | [2] | 4,350,767 |  | 4,624,027 |  |  |
Gross loans/leases receivable | [2] | 141,965,232 |  | 146,072,259 |  |  |
Less allowance |  | (2,730,301) | [2] | (2,382,098) | [2] | (2,978,260) | (3,111,898)
Net loans/leases receivable |  | 139,234,931 |  | 143,690,161 |  |  |
Net minimum lease payments to be received | [2] | 152,430,047 |  | 156,583,887 |  |  |
Estimated unguaranteed residual values of leased assets | [2] | 929,932 |  | 929,932 |  |  |
Unearned lease/residual income | [2] | (15,745,514) |  | (16,065,587) |  |  |
Residential Portfolio Segment [Member] |  |  |  |  |  |  |
Loans | [4] | 254,484,231 | [3] | 258,646,265 |  |  |
Less allowance |  | (2,375,219) |  | (2,466,431) |  | (2,375,864) | (2,342,344)
Consumer Portfolio Segment [Member] |  |  |  |  |  |  |
Loans | [3] | 95,911,569 |  | 118,610,799 |  |  |
Less allowance |  | $ (1,423,817) |  | $ (1,221,475) |  | $ (1,107,670) | $ (1,087,487)
[1] | Management performs an evaluation of the estimated unguaranteed residual values of leased assets on an annual basis, at a minimum. The evaluation consists of discussions with reputable and current vendors, which is combined with management's expertise and understanding of the current states of particular industries to determine informal valuations of the equipment. As necessary and where available, management will utilize valuations by independent appraisers. The large majority of leases with residual values contain a lease options rider, which requires the lessee to pay the residual value directly, finance the payment of the residual value, or extend the lease term to pay the residual value. In these cases, the residual value is protected and the risk of loss is minimal. There were no losses related to residual values for the three months ended March 31, 2018 and 2017.
[2] | Includes equipment financing agreements outstanding at m2, totaling $78,911,791 and $66,758,397 as of March 31, 2018 and December 31, 2017, respectively.
[3] | Performing = loans/leases accruing and less than 90 days past due. Nonperforming = loans/leases on nonaccrual, accruing loans/leases that are greater than or equal to 90 days past due, and accruing TDRs.
[4] | Includes residential real estate loans held for sale totaling $279,750 and $645,001 as of March 31, 2018, and December 31, 2017, respectively.

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- Definition Amount, after accumulated amortization, of debt issuance costs classified as noncurrent. Includes, but is not limited to, legal, accounting, underwriting, printing, and registration costs. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 835 -SubTopic 30 -Section 45 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=114775744&loc=d3e28555-108399 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.17) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 + Details
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- Definition The estimated portion of pretax income and investment tax credit remaining to be allocated to income over the lease term. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 840 -SubTopic 30 -Section 30 -Paragraph 14 -Subparagraph (d) -URI http://asc.fasb.org/extlink&oid=77895730&loc=d3e42840-112730 + Details
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- Definition Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 45 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=82891408&loc=d3e4428-111522 + Details
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