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Note 3 - Loans and Allowance for Loan Losses (Tables) | 3 Months Ended
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Mar. 31, 2014
Note 3 - Loans and Allowance for Loan Losses (Tables) [Line Items] |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
|  | March 31, 2014 |  |  | December 31, 2013 |  |  | Percent Increase |
|  | Balance |  |  | % |  |  | Balance |  |  | % |  |  | (Decrease) |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 289,009,000 |  |  |  | 27.1 | % |  | $ | 286,373,000 |  |  |  | 27.2 | % |  |  | 0.9 | %
Vacant land, land development, and residential construction |  |  | 37,190,000 |  |  |  | 3.5 |  |  |  | 36,741,000 |  |  |  | 3.5 |  |  |  | 1.2 |
Real estate – owner occupied |  |  | 264,299,000 |  |  |  | 24.8 |  |  |  | 261,877,000 |  |  |  | 24.9 |  |  |  | 0.9 |
Real estate – non-owner occupied |  |  | 378,034,000 |  |  |  | 35.4 |  |  |  | 364,066,000 |  |  |  | 34.6 |  |  |  | 3.8 |
Real estate – multi-family and residential rental |  |  | 35,686,000 |  |  |  | 3.3 |  |  |  | 37,639,000 |  |  |  | 3.5 |  |  |  | (5.2 | )
Total commercial |  |  | 1,004,218,000 |  |  |  | 94.1 |  |  |  | 986,696,000 |  |  |  | 93.7 |  |  |  | 1.8 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 31,778,000 |  |  |  | 3.0 |  |  |  | 35,080,000 |  |  |  | 3.3 |  |  |  | (9.4 | )
1-4 family mortgages |  |  | 30,800,000 |  |  |  | 2.9 |  |  |  | 31,467,000 |  |  |  | 3.0 |  |  |  | (2.1 | )
Total retail |  |  | 62,578,000 |  |  |  | 5.9 |  |  |  | 66,547,000 |  |  |  | 6.3 |  |  |  | (6.0 | )
Total loans |  | $ | 1,066,796,000 |  |  |  | 100.0 | % |  | $ | 1,053,243,000 |  |  |  | 100.0 | % |  |  | 1.3 | %
Schedule of Financing Receivables, Non Accrual Status [Table Text Block] |
|  | March 31, 2014 |  |  | December 31, 2013 |
Loans past due 90 days or more still accruing interest |  | $ | 0 |  |  | $ | 0 |
Nonaccrual loans |  |  | 6,342,000 |  |  |  | 6,718,000 |
Total nonperforming loans |  | $ | 6,342,000 |  |  | $ | 6,718,000 |
Recorded Principal Balance of Nonaccrual Loans Including Troubled Debt Restructurings [Table Text Block] |
|  | March 31, 2014 |  |  | December 31, 2013 |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 919,000 |  |  | $ | 1,501,000 |
Vacant land, land development, and residential construction |  |  | 361,000 |  |  |  | 785,000 |
Real estate – owner occupied |  |  | 684,000 |  |  |  | 389,000 |
Real estate – non-owner occupied |  |  | 335,000 |  |  |  | 168,000 |
Real estate – multi-family and residential rental |  |  | 492,000 |  |  |  | 208,000 |
Total commercial |  |  | 2,791,000 |  |  |  | 3,051,000 |
Retail: |  |  |  |  |  |  |  |
Home equity and other |  |  | 762,000 |  |  |  | 788,000 |
1-4 family mortgages |  |  | 2,789,000 |  |  |  | 2,879,000 |
Total retail |  |  | 3,551,000 |  |  |  | 3,667,000 |
Total nonaccrual loans |  | $ | 6,342,000 |  |  | $ | 6,718,000 |
Past Due Financing Receivables [Table Text Block] |
|  | 30 – 59 Days Past Due |  |  | 60 – 89 Days Past Due |  |  | Greater Than 89 Days Past Due |  |  | Total Past Due |  |  | Current |  |  | Total Loans |  |  | Recorded Balance > 89 Days and Accruing |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 0 |  |  | $ | 0 |  |  | $ | 121,000 |  |  | $ | 121,000 |  |  | $ | 288,888,000 |  |  | $ | 289,009,000 |  |  | $ | 0 |
Vacant land, land development, and residential construction |  |  | 0 |  |  |  | 0 |  |  |  | 95,000 |  |  |  | 95,000 |  |  |  | 37,095,000 |  |  |  | 37,190,000 |  |  |  | 0 |
Real estate – owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 264,299,000 |  |  |  | 264,299,000 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 378,034,000 |  |  |  | 378,034,000 |  |  |  | 0 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 35,686,000 |  |  |  | 35,686,000 |  |  |  | 0 |
Total commercial |  |  | 0 |  |  |  | 0 |  |  |  | 216,000 |  |  |  | 216,000 |  |  |  | 1,004,002,000 |  |  |  | 1,004,218,000 |  |  |  | 0 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 31,778,000 |  |  |  | 31,778,000 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |  |  |  | 391,000 |  |  |  | 391,000 |  |  |  | 30,409,000 |  |  |  | 30,800,000 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |  |  |  | 391,000 |  |  |  | 391,000 |  |  |  | 62,187,000 |  |  |  | 62,578,000 |  |  |  | 0 |
Total past due loans |  | $ | 0 |  |  | $ | 0 |  |  | $ | 607,000 |  |  | $ | 607,000 |  |  | $ | 1,066,189,000 |  |  | $ | 1,066,796,000 |  |  | $ | 0 |
|  | 30 – 59 Days Past Due |  |  | 60 – 89 Days Past Due |  |  | Greater Than 89 Days Past Due |  |  | Total Past Due |  |  | Current |  |  | Total Loans |  |  | Recorded Balance > 89 Days and Accruing |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 0 |  |  | $ | 0 |  |  | $ | 309,000 |  |  | $ | 309,000 |  |  | $ | 286,064,000 |  |  | $ | 286,373,000 |  |  | $ | 0 |
Vacant land, land development, and residential construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 36,741,000 |  |  |  | 36,741,000 |  |  |  | 0 |
Real estate – owner occupied |  |  | 65,000 |  |  |  | 0 |  |  |  | 50,000 |  |  |  | 115,000 |  |  |  | 261,762,000 |  |  |  | 261,877,000 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 364,066,000 |  |  |  | 364,066,000 |  |  |  | 0 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |  |  |  | 64,000 |  |  |  | 64,000 |  |  |  | 37,575,000 |  |  |  | 37,639,000 |  |  |  | 0 |
Total commercial |  |  | 65,000 |  |  |  | 0 |  |  |  | 423,000 |  |  |  | 488,000 |  |  |  | 986,208,000 |  |  |  | 986,696,000 |  |  |  | 0 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 14,000 |  |  |  | 0 |  |  |  | 0 |  |  |  | 14,000 |  |  |  | 35,066,000 |  |  |  | 35,080,000 |  |  |  | 0 |
1-4 family mortgages |  |  | 21,000 |  |  |  | 44,000 |  |  |  | 375,000 |  |  |  | 440,000 |  |  |  | 31,027,000 |  |  |  | 31,467,000 |  |  |  | 0 |
Total retail |  |  | 35,000 |  |  |  | 44,000 |  |  |  | 375,000 |  |  |  | 454,000 |  |  |  | 66,093,000 |  |  |  | 66,547,000 |  |  |  | 0 |
Total past due loans |  | $ | 100,000 |  |  | $ | 44,000 |  |  | $ | 798,000 |  |  | $ | 942,000 |  |  | $ | 1,052,301,000 |  |  | $ | 1,053,243,000 |  |  | $ | 0 |
Impaired Financing Receivables [Table Text Block] |
|  | Unpaid Contractual Principal Balance |  |  | Recorded Principal Balance |  |  | Related Allowance |  |  | Year-To-Date Average Recorded Principal Balance |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 1,693,000 |  |  | $ | 205,000 |  |  |  | - |  |  | $ | 358,000 |
Vacant land, land development and residential construction |  |  | 459,000 |  |  |  | 343,000 |  |  |  |  |  |  |  | 353,000 |
Real estate – owner occupied |  |  | 1,165,000 |  |  |  | 684,000 |  |  |  |  |  |  |  | 735,000 |
Real estate – non-owner occupied |  |  | 1,831,000 |  |  |  | 1,761,000 |  |  |  |  |  |  |  | 1,247,000 |
Real estate – multi-family and residential rental |  |  | 41,000 |  |  |  | 1,000 |  |  |  |  |  |  |  | 1,000 |
Total commercial |  |  | 5,189,000 |  |  |  | 2,994,000 |  |  |  |  |  |  |  | 2,694,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 707,000 |  |  |  | 649,000 |  |  |  |  |  |  |  | 555,000 |
1-4 family mortgages |  |  | 1,190,000 |  |  |  | 611,000 |  |  |  |  |  |  |  | 629,000 |
Total retail |  |  | 1,897,000 |  |  |  | 1,260,000 |  |  |  |  |  |  |  | 1,184,000 |
Total with no related allowance recorded |  | $ | 7,086,000 |  |  | $ | 4,254,000 |  |  |  |  |  |  | $ | 3,878,000 |
|  | Unpaid Contractual Principal Balance |  |  | Recorded Principal Balance |  |  | Related Allowance |  |  | Year-To-Date Average Recorded Principal Balance |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 1,006,000 |  |  | $ | 953,000 |  |  | $ | 451,000 |  |  | $ | 1,197,000 |
Vacant land, land development and residential construction |  |  | 4,213,000 |  |  |  | 3,908,000 |  |  |  | 728,000 |  |  |  | 4,023,000 |
Real estate – owner occupied |  |  | 1,488,000 |  |  |  | 1,488,000 |  |  |  | 455,000 |  |  |  | 1,500,000 |
Real estate – non-owner occupied |  |  | 19,470,000 |  |  |  | 19,451,000 |  |  |  | 7,370,000 |  |  |  | 20,262,000 |
Real estate – multi-family and residential rental |  |  | 1,207,000 |  |  |  | 1,089,000 |  |  |  | 504,000 |  |  |  | 1,886,000 |
Total commercial |  |  | 27,384,000 |  |  |  | 26,889,000 |  |  |  | 9,508,000 |  |  |  | 28,868,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 118,000 |  |  |  | 92,000 |  |  |  | 92,000 |  |  |  | 190,000 |
1-4 family mortgages |  |  | 2,237,000 |  |  |  | 2,160,000 |  |  |  | 879,000 |  |  |  | 2,196,000 |
Total retail |  |  | 2,355,000 |  |  |  | 2,252,000 |  |  |  | 971,000 |  |  |  | 2,386,000 |
Total with an allowance recorded |  | $ | 29,739,000 |  |  | $ | 29,141,000 |  |  | $ | 10,479,000 |  |  | $ | 31,254,000 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 32,573,000 |  |  | $ | 29,883,000 |  |  | $ | 9,508,000 |  |  | $ | 31,562,000 |
Retail |  |  | 4,252,000 |  |  |  | 3,512,000 |  |  |  | 971,000 |  |  |  | 3,570,000 |
Total impaired loans |  | $ | 36,825,000 |  |  | $ | 33,395,000 |  |  | $ | 10,479,000 |  |  | $ | 35,132,000 |
|  | Unpaid Contractual Principal Balance |  |  | Recorded Principal Balance |  |  | Related Allowance |  |  | Year-To-Date Average Recorded Principal Balance |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 2,229,000 |  |  | $ | 511,000 |  |  |  | - |  |  | $ | 1,205,000 |
Vacant land, land development and residential construction |  |  | 475,000 |  |  |  | 362,000 |  |  |  |  |  |  |  | 991,000 |
Real estate – owner occupied |  |  | 1,270,000 |  |  |  | 785,000 |  |  |  |  |  |  |  | 1,084,000 |
Real estate – non-owner occupied |  |  | 895,000 |  |  |  | 733,000 |  |  |  |  |  |  |  | 4,049,000 |
Real estate – multi-family and residential rental |  |  | 41,000 |  |  |  | 1,000 |  |  |  |  |  |  |  | 390,000 |
Total commercial |  |  | 4,910,000 |  |  |  | 2,392,000 |  |  |  |  |  |  |  | 7,719,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 507,000 |  |  |  | 461,000 |  |  |  |  |  |  |  | 471,000 |
1-4 family mortgages |  |  | 1,272,000 |  |  |  | 647,000 |  |  |  |  |  |  |  | 727,000 |
Total retail |  |  | 1,779,000 |  |  |  | 1,108,000 |  |  |  |  |  |  |  | 1,198,000 |
Total with no related allowance recorded |  | $ | 6,689,000 |  |  | $ | 3,500,000 |  |  |  |  |  |  | $ | 8,917,000 |
|  | Unpaid Contractual Principal Balance |  |  | Recorded Principal Balance |  |  | Related Allowance |  |  | Year-To-Date Average Recorded Principal Balance |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 1,517,000 |  |  | $ | 1,440,000 |  |  | $ | 792,000 |  |  | $ | 1,880,000 |
Vacant land, land development and residential construction |  |  | 4,436,000 |  |  |  | 4,139,000 |  |  |  | 844,000 |  |  |  | 3,354,000 |
Real estate – owner occupied |  |  | 1,513,000 |  |  |  | 1,513,000 |  |  |  | 528,000 |  |  |  | 2,550,000 |
Real estate – non-owner occupied |  |  | 21,088,000 |  |  |  | 21,072,000 |  |  |  | 7,969,000 |  |  |  | 28,388,000 |
Real estate – multi-family and residential rental |  |  | 3,219,000 |  |  |  | 2,684,000 |  |  |  | 1,127,000 |  |  |  | 2,915,000 |
Total commercial |  |  | 31,773,000 |  |  |  | 30,848,000 |  |  |  | 11,260,000 |  |  |  | 39,087,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 320,000 |  |  |  | 289,000 |  |  |  | 96,000 |  |  |  | 329,000 |
1-4 family mortgages |  |  | 2,274,000 |  |  |  | 2,231,000 |  |  |  | 1,030,000 |  |  |  | 1,628,000 |
Total retail |  |  | 2,594,000 |  |  |  | 2,520,000 |  |  |  | 1,126,000 |  |  |  | 1,957,000 |
Total with an allowance recorded |  | $ | 34,367,000 |  |  | $ | 33,368,000 |  |  | $ | 12,386,000 |  |  | $ | 41,044,000 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 36,683,000 |  |  | $ | 33,240,000 |  |  | $ | 11,260,000 |  |  | $ | 46,806,000 |
Retail |  |  | 4,373,000 |  |  |  | 3,628,000 |  |  |  | 1,126,000 |  |  |  | 3,155,000 |
Total impaired loans |  | $ | 41,056,000 |  |  | $ | 36,868,000 |  |  | $ | 12,386,000 |  |  | $ | 49,961,000 |
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Commercial and Industrial |  |  | Commercial Vacant Land, and Residential Construction |  |  | Commercial Real Estate - Owner Occupied |  |  | Commercial Real Estate - Non-Owner Occupied |  |  | Commercial Real Estate Multi-Family and Residential Rental |
Internal credit risk grade groupings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grades 1 – 4 |  | $ | 197,051,000 |  |  | $ | 7,993,000 |  |  | $ | 161,357,000 |  |  | $ | 232,226,000 |  |  | $ | 15,411,000 |
Grades 5 – 7 |  |  | 90,776,000 |  |  |  | 24,946,000 |  |  |  | 99,484,000 |  |  |  | 124,526,000 |  |  |  | 19,167,000 |
Grades 8 – 9 |  |  | 1,182,000 |  |  |  | 4,251,000 |  |  |  | 3,458,000 |  |  |  | 21,282,000 |  |  |  | 1,108,000 |
Total commercial |  | $ | 289,009,000 |  |  | $ | 37,190,000 |  |  | $ | 264,299,000 |  |  | $ | 378,034,000 |  |  | $ | 35,686,000 |
|  | Commercial and Industrial |  |  | Commercial Vacant Land, Land Development, and Residential Construction |  |  | Commercial Real Estate - Owner Occupied |  |  | Commercial Real Estate - Non-Owner Occupied |  |  | Commercial Real Estate - and Residential Multi-Family Rental |
Internal credit risk grade groupings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grades 1 – 4 |  | $ | 208,151,000 |  |  | $ | 6,973,000 |  |  | $ | 156,230,000 |  |  | $ | 219,325,000 |  |  | $ | 15,465,000 |
Grades 5 – 7 |  |  | 76,237,000 |  |  |  | 25,535,000 |  |  |  | 103,066,000 |  |  |  | 122,717,000 |  |  |  | 19,469,000 |
Grades 8 – 9 |  |  | 1,985,000 |  |  |  | 4,233,000 |  |  |  | 2,581,000 |  |  |  | 22,024,000 |  |  |  | 2,705,000 |
Total commercial |  | $ | 286,373,000 |  |  | $ | 36,741,000 |  |  | $ | 261,877,000 |  |  | $ | 364,066,000 |  |  | $ | 37,639,000 |
Allowance for Credit Losses on Financing Receivables [Table Text Block] |
|  | Commercial Loans |  |  | Retail Loans |  |  | Unallocated |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 20,455,000 |  |  | $ | 2,358,000 |  |  | $ | 8,000 |  |  | $ | 22,821,000 |
Provision for loan losses |  |  | (1,454,000 | ) |  |  | (434,000 | ) |  |  | (12,000 | ) |  |  | (1,900,000 | )
Charge-offs |  |  | (586,000 | ) |  |  | (2,000 | ) |  |  | 0 |  |  |  | (588,000 | )
Recoveries |  |  | 586,000 |  |  |  | 35,000 |  |  |  | 0 |  |  |  | 621,000 |
Ending balance |  | $ | 19,001,000 |  |  | $ | 1,957,000 |  |  | $ | (4,000 | ) |  | $ | 20,954,000 |
Ending balance: individually evaluated for impairment |  | $ | 9,508,000 |  |  | $ | 971,000 |  |  | $ | 0 |  |  | $ | 10,479,000 |
Ending balance: collectively evaluated for impairment |  | $ | 9,493,000 |  |  | $ | 986,000 |  |  | $ | (4,000 | ) |  | $ | 10,475,000 |
Total loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 1,004,218,000 |  |  | $ | 62,578,000 |  |  |  |  |  |  | $ | 1,066,796,000 |
Ending balance: individually evaluated for impairment |  | $ | 29,883,000 |  |  | $ | 3,512,000 |  |  |  |  |  |  | $ | 33,395,000 |
Ending balance: collectively evaluated for impairment |  | $ | 974,335,000 |  |  | $ | 59,066,000 |  |  |  |  |  |  | $ | 1,033,401,000 |
|  | Commercial Loans |  |  | Retail Loans |  |  | Unallocated |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 26,043,000 |  |  | $ | 2,645,000 |  |  | $ | (11,000 | ) |  | $ | 28,677,000 |
Provision for loan losses |  |  | (1,164,000 | ) |  |  | (363,000 | ) |  |  | 27,000 |  |  |  | (1,500,000 | )
Charge-offs |  |  | (2,412,000 | ) |  |  | (3,000 | ) |  |  | 0 |  |  |  | (2,415,000 | )
Recoveries |  |  | 1,250,000 |  |  |  | 23,000 |  |  |  | 0 |  |  |  | 1,273,000 |
Ending balance |  | $ | 23,717,000 |  |  | $ | 2,302,000 |  |  | $ | 16,000 |  |  | $ | 26,035,000 |
Ending balance: individually evaluated for impairment |  | $ | 14,616,000 |  |  | $ | 277,000 |  |  | $ | 0 |  |  | $ | 14,893,000 |
Ending balance: collectively evaluated for impairment |  | $ | 9,101,000 |  |  | $ | 2,025,000 |  |  | $ | 16,000 |  |  | $ | 11,142,000 |
Total loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 948,964,000 |  |  | $ | 73,992,000 |  |  |  |  |  |  | $ | 1,022,956,000 |
Ending balance: individually evaluated for impairment |  | $ | 49,636,000 |  |  | $ | 2,064,000 |  |  |  |  |  |  | $ | 51,700,000 |
Ending balance: collectively evaluated for impairment |  | $ | 899,328,000 |  |  | $ | 71,928,000 |  |  |  |  |  |  | $ | 971,256,000 |
Troubled Debt Restructurings on Financing Receivables [Table Text Block] |
|  |  |  |  |  | Pre- |  |  | Post- |
|  |  |  |  |  | Modification |  |  | Modification |
|  |  |  |  |  | Recorded |  |  | Recorded |
|  | Number of |  |  | Principal |  |  | Principal |
|  | Contracts |  |  | Balance |  |  | Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1 |  |  | $ | 14,000 |  |  | $ | 14,000 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 2 |  |  |  | 354,000 |  |  |  | 323,000 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial |  |  | 3 |  |  |  | 368,000 |  |  |  | 337,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 3 |  |  | $ | 368,000 |  |  | $ | 337,000 |
|  |  |  |  |  | Pre- |  |  | Post- |
|  |  |  |  |  | Modification |  |  | Modification |
|  |  |  |  |  | Recorded |  |  | Recorded |
|  | Number of |  |  | Principal |  |  | Principal |
|  | Contracts |  |  | Balance |  |  | Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1 |  |  | $ | 875,000 |  |  | $ | 875,000 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 2 |  |  |  | 2,068,000 |  |  |  | 2,068,000 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial |  |  | 3 |  |  |  | 2,943,000 |  |  |  | 2,943,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  |  | 3 |  |  | $ | 2,943,000 |  |  | $ | 2,943,000 |
Troubled Debt Restructurings on Financing Receivables WithIn Previous Twelve Months that Became Over Thirty Days Past Due [Table Text Block] |
|  |  |  |  |  | Recorded |
|  | Number of |  |  | Principal |
|  | Contracts |  |  | Balance |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 0 |  |  | $ | 0 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 0 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 0 |  |  |  | 0 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |
Total commercial |  |  | 0 |  |  |  | 0 |
Retail: |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |
Total |  |  | 0 |  |  | $ | 0 |
|  |  |  |  |  | Recorded |
|  | Number of |  |  | Principal |
|  | Contracts |  |  | Balance |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 0 |  |  | $ | 0 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 1 |  |  |  | 44,000 |
Real estate – non-owner occupied |  |  | 0 |  |  |  | 0 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |
Total commercial |  |  | 1 |  |  |  | 44,000 |
Retail: |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |
Total |  |  | 1 |  |  | $ | 44,000 |
Allowance Related to Loans Categorized as Troubled Debt Restructurings [Table Text Block] |
|  | March 31, |  |  | December 31, |
|  | 2014 |  |  | 2013 |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 95,000 |  |  | $ | 187,000 |
Vacant land, land development, and residential construction |  |  | 695,000 |  |  |  | 798,000 |
Real estate – owner occupied |  |  | 455,000 |  |  |  | 528,000 |
Real estate – non-owner occupied |  |  | 7,236,000 |  |  |  | 7,828,000 |
Real estate – multi-family and residential rental |  |  | 304,000 |  |  |  | 1,010,000 |
Total commercial |  |  | 8,785,000 |  |  |  | 10,351,000 |
Retail: |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 32,000 |  |  |  | 0 |
Total retail |  |  | 32,000 |  |  |  | 0 |
Total related allowance |  | $ | 8,817,000 |  |  | $ | 10,351,000 |
Retail Loans [Member] |
Note 3 - Loans and Allowance for Loan Losses (Tables) [Line Items] |
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Retail Home Equity and Other |  |  | Retail 1-4 Family Mortgages |
Total retail |  | $ | 31,778,000 |  |  | $ | 30,800,000 |
|  | Retail |  |  | Retail |
|  | Home Equity |  |  | 1-4 Family |
|  | and Other |  |  | Mortgages |
Total retail |  | $ | 35,080,000 |  |  | $ | 31,467,000 |
Troubled Debt Restructurings on Financing Receivables [Table Text Block] |
|  | Retail |  |  | Retail |
|  | Home Equity |  |  | 1-4 Family |
|  | and Other |  |  | Mortgages |
Retail Loan Portfolio: |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 0 |  |  | $ | 2,191,000 |
Charge-Offs |  |  | 0 |  |  |  | 0 |
Payments |  |  | 0 |  |  |  | (69,000 | )
Transfers to ORE |  |  | 0 |  |  |  | 0 |
Net Additions/Deletions |  |  | 0 |  |  |  | 0 |
Ending Balance |  | $ | 0 |  |  | $ | 2,122,000 |
|  | Retail |  |  | Retail |
|  | Home Equity |  |  | 1-4 Family |
|  | and Other |  |  | Mortgages |
Retail Loan Portfolio: |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 0 |  |  | $ | 154,000 |
Charge-Offs |  |  | 0 |  |  |  | 0 |
Payments |  |  | 0 |  |  |  | (2,000 | )
Transfers to ORE |  |  | 0 |  |  |  | 0 |
Net Additions/Deletions |  |  | 0 |  |  |  | 0 |
Ending Balance |  | $ | 0 |  |  | $ | 152,000 |
Commercial Loans [Member] |
Note 3 - Loans and Allowance for Loan Losses (Tables) [Line Items] |
Troubled Debt Restructurings on Financing Receivables [Table Text Block] |
|  | Commercial and Industrial |  |  | Commercial Vacant Land, </ FONT></ FONT></ />Land Development, and Residential Construction |  |  | Commercial Real Estate - Owner Occupied |  |  | Commercial Real Estate - Non-Owner Occupied |  |  | Commercial Real Estate - Multi-Family and Residential Rental |
Commercial Loan Portfolio: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 1,656,000 |  |  | $ | 4,501,000 |  |  | $ | 1,816,000 |  |  | $ | 22,311,000 |  |  | $ | 2,620,000 |
Charge-Offs |  |  | 0 |  |  |  | 0 |  |  |  | (11,000 | ) |  |  | 0 |  |  |  | (420,000 | )
Payments |  |  | (266,000 | ) |  |  | (3,149,000 | ) |  |  | (49,000 | ) |  |  | (1,001,000 | ) |  |  | (1,468,000 | )
Transfers to ORE |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Net Additions/Deletions |  |  | 14,000 |  |  |  | 2,898,000 |  |  |  | 0 |  |  |  | 319,000 |  |  |  | 0 |
Ending Balance |  | $ | 1,404,000 |  |  | $ | 4,250,000 |  |  | $ | 1,756,000 |  |  | $ | 21,629,000 |  |  | $ | 732,000 |
|  | Commercial and Industrial |  |  | Commercial Vacant Land, Land Development, and Residential Construction |  |  | Commercial Real Estate - Owner Occupied |  |  | Commercial Real Estate - Non-Owner Occupied |  |  | Commercial Real Estate - Multi-Familyand Residential Rental |
Commercial Loan Portfolio: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 2,720,000 |  |  | $ | 3,071,000 |  |  | $ | 4,116,000 |  |  | $ | 37,672,000 |  |  | $ | 3,027,000 |
Charge-Offs |  |  | (35,000 | ) |  |  | (695,000 | ) |  |  | 0 |  |  |  | (711,000 | ) |  |  | (15,000 | )
Payments |  |  | (514,000 | ) |  |  | (49,000 | ) |  |  | (61,000 | ) |  |  | (3,211,000 | ) |  |  | (54,000 | )
Transfers to ORE |  |  | (74,000 | ) |  |  | 0 |  |  |  | (363,000 | ) |  |  | (803,000 | ) |  |  | 0 |
Net Additions/Deletions |  |  | 1,171,000 |  |  |  | 0 |  |  |  | 187,000 |  |  |  | 2,057,000 |  |  |  | 0 |
Ending Balance |  | $ | 3,268,000 |  |  | $ | 2,327,000 |  |  | $ | 3,879,000 |  |  | $ | 35,004,000 |  |  | $ | 2,958,000 |

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