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Note 6 - Loans and Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2014

Receivables [Abstract]

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

		September 30, 2014								December 31, 2013								September 30, 2013
(dollars in thousands)		Amount				%				Amount				%				Amount				%
Commercial		$	798,489				23	%		$	694,350				24	%		$	682,413				25	%
Investment - commercial real estate			1,382,839				41	%			1,119,800				38	%			1,039,775				37	%
Owner occupied - commercial real estate			337,422				10	%			317,491				11	%			334,078				12	%
Real estate mortgage - residential			126,263				4	%			90,418				3	%			79,061				3	%
Construction - commercial and residential			634,736				18	%			574,167				19	%			507,653				18	%
Construction - C&I (owner occupied)			41,846				1	%			34,659				1	%			35,612				1	%
Home equity			107,291				3	%			110,242				4	%			108,889				4	%
Other consumer			3,662				-				4,031				-				9,359				-
Total loans			3,432,548				100	%			2,945,158				100	%			2,796,840				100	%
Less: Allowance for Credit Losses			(44,954	)							(40,921	)							(39,687	)
Net loans		$	3,387,594							$	2,904,237							$	2,757,153

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

						Income Producing				Owner Occupied				Real Estate				Construction
						Commercial				Commercial				Mortgage				Commercial and				Home				Other
(dollars in thousands)		Commercial				Real Estate				Real Estate				Residential				Residential				Equity				Consumer				Total
Three months ended September 30, 2014
Allowance for credit losses:
Balance at beginning of period		$	11,413			$	10,745			$	3,273			$	958			$	15,487			$	1,331			$	345			$	43,552
Loans charged-off			(317	)			(22	)			-				(48	)			(620	)			(230	)			-				(1,237	)
Recoveries of loans previously charged-off			519				-				-				-				6				2				1				528
Net loans charged-off			202				(22	)			-				(48	)			(614	)			(228	)			1				(709	)
Provision for credit losses			1,558				478				42				70				(237	)			259				(59	)			2,111
Ending balance		$	13,173			$	11,201			$	3,315			$	980			$	14,636			$	1,362			$	287			$	44,954
Nine months ended September 30, 2014
Allowance for credit losses:
Balance at beginning of period		$	9,780			$	10,359			$	3,899			$	944			$	13,934			$	1,871			$	134			$	40,921
Loans charged-off			(1,968	)			(22	)			(35	)			(138	)			(1,426	)			(379	)			(84	)			(4,052	)
Recoveries of loans previously charged-off			802				4				7				-				77				8				8				906
Net loans charged-off			(1,166	)			(18	)			(28	)			(138	)			(1,349	)			(371	)			(76	)			(3,146	)
Provision for credit losses			4,559				860				(556	)			174				2,051				(138	)			229				7,179
Ending balance		$	13,173			$	11,201			$	3,315			$	980			$	14,636			$	1,362			$	287			$	44,954
For the Period Ended September 30, 2014
Allowance for credit losses:
Individually evaluated for impairment		$	4,409			$	578			$	1,330			$	-			$	1,478			$	218			$	-			$	8,013
Collectively evaluated for impairment			8,764				10,623				1,985				980				13,158				1,144				287				36,941
Ending balance		$	13,173			$	11,201			$	3,315			$	980			$	14,636			$	1,362			$	287			$	44,954

						Investment				Owner Occupied				Real Estate				Construction
						Commercial				Commercial				Mortgage				Commercial and				Home				Other
(dollars in thousands)		Commercial				Real Estate				Real Estate				Residential				Residential				Equity				Consumer				Total
Three months ended September 30, 2013
Allowance for credit losses:
Balance at beginning of period		$	12,177			$	9,615			$	3,024			$	942			$	11,748			$	1,765			$	369			$	39,640
Loans charged-off			(966	)			(118	)			-				-				(300	)			(25	)			(11	)			(1,420	)
Recoveries of loans previously charged-off			89				-				-				-				6				-				-				95
Net loans charged-off			(877	)			(118	)			-				-				(294	)			(25	)			(11	)			(1,325	)
Provision for credit losses			346				359				(37	)			(332	)			1,026				5				5				1,372
Ending balance		$	11,646			$	9,856			$	2,987			$	610			$	12,480			$	1,745			$	363			$	39,687
Nine months ended September 30, 2013
Allowance for credit losses:
Balance at beginning of period		$	9,412			$	9,148			$	2,781			$	659			$	13,391			$	1,730			$	371			$	37,492
Loans charged-off			(3,380	)			(227	)			-				-				(2,010	)			(54	)			(63	)			(5,734	)
Recoveries of loans previously charged-off			139				-				-				-				681				9				6				835
Net loans charged-off			(3,241	)			(227	)			-				-				(1,329	)			(45	)			(57	)			(4,899	)
Provision for credit losses			5,475				935				206				(49	)			418				60				49				7,094
Ending balance		$	11,646			$	9,856			$	2,987			$	610			$	12,480			$	1,745			$	363			$	39,687
For the Period Ended September 30, 2013
Allowance for credit losses:
Individually evaluated for impairment		$	3,019			$	1,097			$	823			$	27			$	1,776			$	373			$	45			$	7,160
Collectively evaluated for impairment			8,627				8,759				2,164				583				10,704				1,372				318				32,527
Ending balance		$	11,646			$	9,856			$	2,987			$	610			$	12,480			$	1,745			$	363			$	39,687

Schedule Of Recorded Investment In Loans [Table Text Block]

						Investment				Owner occupied				Real Estate				Construction
						Commercial				Commercial				Mortgage				Commercial and				Home				Other
(dollars in thousands)		Commercial				Real Estate				Real Estate				Residential				Residential				Equity				Consumer				Total
September 30, 2014
Recorded investment in loans:
Individually evaluated for impairment		$	17,785			$	2,710			$	5,054			$	-			$	17,479			$	745			$	-			$	43,773
Collectively evaluated for impairment			780,704				1,380,129				332,368				126,263				659,103				106,546				3,662				3,388,775
Ending balance		$	798,489			$	1,382,839			$	337,422			$	126,263			$	676,582			$	107,291			$	3,662			$	3,432,548
December 31, 2013
Recorded investment in loans:
Individually evaluated for impairment		$	9,614			$	2,682			$	7,574			$	113			$	13,862			$	682			$	70			$	34,597
Collectively evaluated for impairment			684,736				1,117,118				309,917				90,305				594,964				109,560				3,961				2,910,561
Ending balance		$	694,350			$	1,119,800			$	317,491			$	90,418			$	608,826			$	110,242			$	4,031			$	2,945,158
September 30, 2013
Recorded investment in loans:
Individually evaluated for impairment		$	12,791			$	3,238			$	8,547			$	113			$	17,994			$	570			$	45			$	43,298
Collectively evaluated for impairment			669,622				1,036,537				325,531				78,948				525,271				108,319				9,314				2,753,542
Ending balance		$	682,413			$	1,039,775			$	334,078			$	79,061			$	543,265			$	108,889			$	9,359			$	2,796,840

Financing Receivable Credit Quality Indicators [Table Text Block]

						Watch and												Total
(dollars in thousands)		Pass				Special Mention				Substandard				Doubtful				Loans
September 30, 2014
Commercial		$	761,502			$	19,202			$	17,785			$	-			$	798,489
Investment - commercial real estate			1,362,060				18,069				2,710				-				1,382,839
Owner occupied - commercial real estate			320,960				11,408				5,054				-				337,422
Real estate mortgage – residential			125,363				900				-				-				126,263
Construction - commercial and residential			650,679				8,424				17,479				-				676,582
Home equity			104,601				1,945				745				-				107,291
Other consumer			3,662				-				-				-				3,662
Total		$	3,328,827			$	59,948			$	43,773			$	-			$	3,432,548
December 31, 2013
Commercial		$	655,409			$	29,327			$	9,614			$	-			$	694,350
Investment - commercial real estate			1,095,285				21,833				2,682				-				1,119,800
Owner occupied - commercial real estate			294,337				15,580				7,574				-				317,491
Real estate mortgage – residential			89,501				804				113				-				90,418
Construction - commercial and residential			575,321				19,643				13,862				-				608,826
Home equity			107,415				2,145				682				-				110,242
Other consumer			3,961				-				70				-				4,031
Total		$	2,821,229			$	89,332			$	34,597			$	-			$	2,945,158
September 30, 2013
Commercial		$	638,074			$	31,638			$	12,701			$	-			$	682,413
Investment - commercial real estate			1,014,556				21,981				3,238				-				1,039,775
Owner occupied - commercial real estate			305,426				20,105				8,547				-				334,078
Real estate mortgage – residential			78,221				727				113				-				79,061
Construction - commercial and residential			506,542				18,729				17,994				-				543,265
Home equity			106,073				2,246				570				-				108,889
Other consumer			9,313				-				46				-				9,359
Total		$	2,658,205			$	95,426			$	43,209			$	-			$	2,796,840

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

(dollars in thousands)		September 30, 2014				December 31, 2013				September 30, 2013
Commercial		$	15,431			$	6,779			$	7,607
Investment - commercial real estate			2,553				2,525				3,081
Owner occupied - commercial real estate			3,502				5,452				6,426
Real estate mortgage - residential			350				887				895
Construction - commercial and residential			6,919				8,366				8,981
Home equity			588				623				511
Other consumer			-				70				45
Total nonaccrual loans (1)(2)		$	29,343			$	24,702			$	27,546

Past Due Financing Receivables [Table Text Block]

		Loans				Loans				Loans												Total Recorded
		30-59 Days				60-89 Days				90 Days or				Total Past				Current				Investment in
(dollars in thousands)		Past Due				Past Due				More Past Due				Due Loans				Loans				Loans
September 30, 2014
Commercial		$	1,592			$	1,274			$	15,431			$	18,297			$	780,192			$	798,489
Investment - commercial real estate			220				1,527				2,553				4,300				1,378,539				1,382,839
Owner occupied - commercial real estate			-				-				3,502				3,502				333,920				337,422
Real estate mortgage – residential			135				-				350				485				125,778				126,263
Construction - commercial and residential			791				5,089				6,919				12,799				663,783				676,582
Home equity			449				1,296				588				2,333				104,958				107,291
Other consumer			8				20				-				28				3,634				3,662
Total		$	3,195			$	9,206			$	29,343			$	41,744			$	3,390,804			$	3,432,548
December 31, 2013
Commercial		$	1,698			$	11,146			$	6,779			$	19,623			$	674,727			$	694,350
Investment - commercial real estate			818				-				2,525				3,343				1,116,457				1,119,800
Owner occupied - commercial real estate			360				2,121				5,452				7,933				309,558				317,491
Real estate mortgage – residential			-				-				887				887				89,531				90,418
Construction - commercial and residential			-				-				8,366				8,366				600,460				608,826
Home equity			626				359				623				1,608				108,634				110,242
Other consumer			-				15				70				85				3,946				4,031
Total		$	3,502			$	13,641			$	24,702			$	41,845			$	2,903,313			$	2,945,158

Impaired Financing Receivables [Table Text Block]

		Unpaid				Recorded				Recorded												Average Recorded								Interest Income
		Contractual				Investment				Investment				Total								Investment								Recognized
		Principal				With No				With				Recorded				Related				Quarter				Year				Quarter				Year
(dollars in thousands)		Balance				Allowance				Allowance				Investment				Allowance				To Date				To Date				To Date				To Date
September 30, 2014
Commercial		$	16,531			$	950			$	14,481			$	15,431			$	4,409			$	12,051			$	12,132			$	228			$	231
Investment - commercial real estate			6,284				4,839				1,070				5,909				578				5,975				5,873				(71	)			7
Owner occupied - commercial			3,502				391				3,111				3,502				1,330				3,366				4,877				6				6
Real estate mortgage – residential			350				350				-				350				-				500				665				-				-
Construction - commercial and residential			11,931				9,785				1,655				11,440				1,478				11,429				12,004				159				711
Home equity			588				125				463				588				218				496				553				4				4
Other consumer			-				-				-				-				-				-				33				-				-
Total		$	39,186			$	16,440			$	20,780			$	37,220			$	8,013			$	33,817			$	36,137			$	326			$	959
December 31, 2013
Commercial		$	6,779			$	2,327			$	4,452			$	6,779			$	1,323			$	8,193			$	8,877			$	53			$	131
Investment - commercial real estate			5,902				1,322				4,580				5,902				1,098				6,183				5,755				38				175
Owner occupied - commercial			5,452				111				5,341				5,452				1,853				5,939				6,285				52				108
Real estate mortgage – residential			887				774				113				887				27				891				792				2				2
Construction - commercial and residential			13,233				5,358				7,575				12,933				1,625				13,405				17,298				44				169
Home equity			623				-				623				623				526				567				508				2				4
Other consumer			70				-				70				70				68				58				34				1				2
Total		$	32,946			$	9,892			$	22,754			$	32,646			$	6,520			$	35,236			$	39,549			$	192			$	591
September 30, 2013
Commercial		$	9,607			$	2,442			$	7,165			$	9,607			$	3,019			$	10,184			$	9,402			$	(7	)		$	78
Investment - commercial real estate			6,464				1,451				5,013				6,464				1,097				5,934				5,719				62				137
Owner occupied - commercial			6,426				5,530				896				6,426				823				6,432				6,493				(43	)			56
Real estate mortgage – residential			895				783				112				895				27				843				769				-				-
Construction - commercial and residential			13,876				5,892				7,684				13,576				1,776				14,033				18,315				41				125
Home equity			511				37				474				511				373				461				479				2				2
Other consumer			45				-				45				45				45				28				25				1				1
Total		$	37,824			$	16,135			$	21,389			$	37,524			$	7,160			$	37,915			$	41,202			$	56			$	399

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

		Number of				TDRs Performing				TDRs Not Performing				Total
(dollars in thousands)		Contracts				to Modified Terms				to Modified Terms				TDRs
September 30, 2014
Investment - commercial real estate			2			$	3,356			$	-			$	3,356
Owner occupied - commercial real estate			1				-				2,118				2,118
Construction - commercial and residential			2				4,521				912				5,433
Total			5			$	7,877			$	3,030			$	10,907
December 31, 2013
Commercial			3			$	-			$	4,042			$	4,042
Investment - commercial real estate			3				3,377				217				3,594
Owner occupied - commercial real estate			1				-				4,081				4,081
Construction - commercial and residential			2				4,567				912				5,479
Total			9			$	7,944			$	9,252			$	17,196

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-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 34

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953682-111524



Reference 2: 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=35738203&loc=SL6953676-111524

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