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Note 8 - Deposits

12 Months Ended

Dec. 31, 2015

Disclosure Text Block [Abstract]

Deposit Liabilities Disclosures [Text Block]

NOTE 8 – DEPOSITS

Deposits at year-end are summarized as follows:

		December 31, 2015								December 31, 2014								Percent Increase
		Balance				%				Balance				%				(Decrease)
Noninterest-bearing demand		$	674,568,000				29.6	%		$	558,738,000				24.5	%			20.7	%
Interest-bearing checking			403,354,000				17.7				413,382,000				18.2				(2.4	)
Money market			274,395,000				12.1				235,587,000				10.3				16.5
Savings			332,794,000				14.6				330,459,000				14.5				0.7
Time, under $100,000			155,655,000				6.9				181,026,000				8.0				(14.0	)
Time, $100,000 and over			313,247,000				13.8				382,120,000				16.8				(18.0	)
			2,154,013,000				94.7				2,101,312,000				92.3				2.5
Out-of-area time, under $100,000			149,000			< 0.1					2,422,000				0.1			NM
Out-of-area time, $100,000 and over			121,220,000				5.3				173,181,000				7.6				(30.0	)
			121,369,000				5.3				175,603,000				7.7				(30.9	)
Total deposits		$	2,275,382,000				100.0	%		$	2,276,915,000				100.0	%			(0.1%	)

Out-of-area time deposits consist of deposits obtained from depositors outside of our primary market areas almost exclusively through deposit brokers.

The following table depicts the maturity distribution for time deposits at year-end:

		2015				2014
In one year or less		$	305,122,000			$	368,163,000
In one to two years			145,775,000				153,346,000
In two to three years			71,988,000				118,919,000
In three to four years			37,527,000				60,953,000
In four to five years			29,859,000				37,368,000
Total certificates of deposit		$	590,271,000			$	738,749,000

The following table depicts the maturity distribution for time deposits with balances of $100,000 or more at year-end:

		2015				2014
Up to three months		$	73,783,000			$	75,356,000
Three months to six months			50,375,000				65,838,000
Six months to twelve months			91,786,000				125,492,000
Over twelve months			218,523,000				288,615,000
Total certificates of deposit		$	434,467,000			$	555,301,000

Total time deposits of more than $250,000 totaled $180.4 million and $223.0 million at year-end 2015 and 2014, respectively.

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- Definition

The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 405
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=50488274&loc=d3e64164-112818

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.12)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

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X

- References

No definition available.

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