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

6 Months Ended

Jun. 30, 2015

Receivables [Abstract]

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

		June 30, 2015								December 31, 2014								June 30, 2014
(dollars in thousands)		Amount				%				Amount				%				Amount				%
Commercial		$	960,506				21	%		$	916,226				21	%		$	726,611				22	%
Income producing - commercial real estate			1,863,583				41	%			1,703,172				40	%			1,302,479				40	%
Owner occupied - commercial real estate			497,834				11	%			461,581				11	%			330,073				10	%
Real estate mortgage - residential			149,842				3	%			148,018				3	%			123,587				4	%
Construction - commercial and residential			901,617				20	%			793,432				18	%			642,264				20	%
Construction - C&I (owner occupied)			54,134				1	%			58,032				1	%			38,368				1	%
Home equity			118,544				3	%			122,536				3	%			108,931				3	%
Other consumer			4,837				-				109,402				3	%			7,116				-
Total loans			4,550,897				100	%			4,312,399				100	%			3,279,429				100	%
Less: Allowance for Credit Losses			(48,921	)							(46,075	)							(43,552	)
Net loans		$	4,501,976							$	4,266,324							$	3,235,877

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

						Income				Owner								Construction
						Producing Commercial				Occupied Commercial				Real Estate Mortgage				Commercial and				Home				Other
(dollars in thousands)		Commercial				Real Estate				Real Estate				Residential				Residential				Equity				Consumer				Total
Three months ended June 30, 2015
Allowance for credit losses:
Balance at beginning of period		$	13,777			$	11,652			$	3,127			$	1,055			$	16,383			$	1,509			$	276			$	47,779
Loans charged-off			(2,307	)			(79	)			-				-				-				-				(16	)			(2,402	)
Recoveries of loans previously charged-off			24				18				1				1				9				2				18				73
Net loans charged-off			(2,283	)			(61	)			1				1				9				2				2				(2,329	)
Provision for credit losses			1,417				820				(15	)			26				1,241				(15	)			(3	)			3,471
Ending balance		$	12,911			$	12,411			$	3,113			$	1,082			$	17,633			$	1,496			$	275			$	48,921
Six months ended June 30, 2015
Allowance for credit losses:
Balance at beginning of period		$	13,222			$	11,442			$	2,954			$	1,259			$	15,625			$	1,469			$	104			$	46,075
Loans charged-off			(3,305	)			(397	)			-				-				-				(419	)			(87	)			(4,208	)
Recoveries of loans previously charged-off			75				18				2				3				104				4				67				273
Net loans charged-off			(3,230	)			(379	)			2				3				104				(415	)			(20	)			(3,935	)
Provision for credit losses			2,919				1,348				157				(180	)			1,904				442				191				6,781
Ending balance		$	12,911			$	12,411			$	3,113			$	1,082			$	17,633			$	1,496			$	275			$	48,921
For the period ended June 30, 2015
Allowance for credit losses:
Individually evaluated for impairment		$	4,066			$	491			$	386			$	-			$	803			$	293			$	-			$	6,039
Collectively evaluated for impairment			8,845				11,920				2,727				1,082				16,830				1,203				275				42,882
Ending balance		$	12,911			$	12,411			$	3,113			$	1,082			$	17,633			$	1,496			$	275			$	48,921
Three months ended June 30, 2014
Allowance for credit losses:
Balance at beginning of period		$	11,420			$	10,590			$	3,195			$	754			$	14,179			$	1,507			$	373			$	42,018
Loans charged-off			(1,378	)			-				-				(28	)			(225	)			-				(59	)			(1,690	)
Recoveries of loans previously charged-off			72				4				7				-				6				1				-				90
Net loans charged-off			(1,306	)			4				7				(28	)			(219	)			1				(59	)			(1,600	)
Provision for credit losses			1,299				151				71				232				1,527				(177	)			31				3,134
Ending balance		$	11,413			$	10,745			$	3,273			$	958			$	15,487			$	1,331			$	345			$	43,552
Six months ended June 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			(1,651	)			-				(35	)			(90	)			(806	)			(149	)			(84	)			(2,815	)
Recoveries of loans previously charged-off			283				4				7				-				71				6				7				378
Net loans charged-off			(1,368	)			4				(28	)			(90	)			(735	)			(143	)			(77	)			(2,437	)
Provision for credit losses			3,001				382				(598	)			104				2,288				(397	)			288				5,068
Ending balance		$	11,413			$	10,745			$	3,273			$	958			$	15,487			$	1,331			$	345			$	43,552
For the Period Ended June 30, 2014
Allowance for credit losses:
Individually evaluated for impairment		$	3,501			$	732			$	1,102			$	-			$	1,605			$	208			$	-			$	7,148
Collectively evaluated for impairment			7,912				10,013				2,171				958				13,882				1,123				345				36,404
Ending balance		$	11,413			$	10,745			$	3,273			$	958			$	15,487			$	1,331			$	345			$	43,552

Schedule of Recorded Investment in Loans [Table Text Block]

						Income Producing				Owner occupied				Real Estate				Construction Commercial
						Commercial				Commercial				Mortgage				and				Home				Other
(dollars in thousands)		Commercial				Real Estate				Real Estate				Residential				Residential				Equity				Consumer				Total
June 30, 2015
Recorded investment in loans:
Individually evaluated for impairment		$	17,966			$	2,371			$	1,827			$	-			$	17,891			$	887			$	18			$	40,960
Collectively evaluated for impairment			942,540				1,861,212				496,007				149,842				937,860				117,657				4,819				4,509,937
Ending balance		$	960,506			$	1,863,583			$	497,834			$	149,842			$	955,751			$	118,544			$	4,837			$	4,550,897
December 31, 2014
Recorded investment in loans:
Individually evaluated for impairment		$	17,612			$	5,109			$	6,891			$	-			$	14,241			$	1,398			$	59			$	45,310
Collectively evaluated for impairment			898,614				1,698,063				454,690				148,018				837,223				121,138				109,343				4,267,089
Ending balance		$	916,226			$	1,703,172			$	461,581			$	148,018			$	851,464			$	122,536			$	109,402			$	4,312,399
June 30, 2014
Recorded investment in loans:
Individually evaluated for impairment		$	17,405			$	2,913			$	3,230			$	-			$	12,882			$	561			$	-			$	36,991
Collectively evaluated for impairment			709,206				1,299,566				326,843				123,587				667,750				108,370				7,116				3,242,438
Ending balance		$	726,611			$	1,302,479			$	330,073			$	123,587			$	680,632			$	108,931			$	7,116			$	3,279,429

Financing Receivable Credit Quality Indicators [Table Text Block]

						Watch and												Total
(dollars in thousands)		Pass				Special Mention				Substandard				Doubtful				Loans
June 30, 2015
Commercial		$	920,429			$	22,111			$	17,966			$	-			$	960,506
Income producing - commercial real estate			1,837,021				24,191				2,371				-				1,863,583
Owner occupied - commercial real estate			487,922				8,085				1,827				-				497,834
Real estate mortgage – residential			149,101				741				-				-				149,842
Construction - commercial and residential			937,069				791				17,891				-				955,751
Home equity			115,945				1,712				887				-				118,544
Other consumer			4,819				-				18				-				4,837
Total		$	4,452,306			$	57,631			$	40,960			$	-			$	4,550,897
December 31, 2014
Commercial		$	875,102			$	23,512			$	17,612			$	-			$	916,226
Income producing - commercial real estate			1,679,101				18,962				5,109				-				1,703,172
Owner occupied - commercial real estate			445,013				9,677				6,891				-				461,581
Real estate mortgage – residential			147,262				756				-				-				148,018
Construction - commercial and residential			827,503				9,720				14,241				-				851,464
Home equity			119,420				1,718				1,398				-				122,536
Other consumer			109,343				-				59				-				109,402
Total		$	4,202,744			$	64,345			$	45,310			$	-			$	4,312,399
June 30, 2014
Commercial		$	695,191			$	14,015			$	17,405			$	-			$	726,611
Investment - commercial real estate			1,286,730				12,836				2,913				-				1,302,479
Owner occupied - commercial real estate			313,523				13,320				3,230				-				330,073
Real estate mortgage – residential			122,681				906				-				-				123,587
Construction - commercial and residential			654,631				13,119				12,882				-				680,632
Home equity			106,468				1,902				561				-				108,931
Other consumer			7,116				-				-				-				7,116
Total		$	3,186,340			$	56,098			$	36,991			$	-			$	3,279,429

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

(dollars in thousands)		June 30, 2015				December 31, 2014				June 30, 2014
Commercial		$	9,684			$	12,975			$	8,671
Income producing - commercial real estate			2,062				2,645				2,676
Owner occupied - commercial real estate			1,297				1,324				3,230
Real estate mortgage - residential			338				346				650
Construction - commercial and residential			585				3,697				6,877
Home equity			887				1,398				403
Other consumer			18				58				-
Total nonaccrual loans (1)(2)		$	14,871			$	22,443			$	22,507

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
June 30, 2015
Commercial		$	2,056			$	983			$	9,684			$	12,723			$	947,783			$	960,506
Income producing - commercial real estate			1,669				6,231				2,062				9,962				1,853,621				1,863,583
Owner occupied - commercial real estate			531				-				1,297				1,828				496,006				497,834
Real estate mortgage – residential			1,625				-				338				1,963				147,879				149,842
Construction - commercial and residential			6,805				-				585				7,390				948,361				955,751
Home equity			-				641				887				1,528				117,016				118,544
Other consumer			113				55				18				186				4,651				4,837
Total		$	12,799			$	7,910			$	14,871			$	35,580			$	4,515,317			$	4,550,897
December 31, 2014
Commercial		$	1,505			$	4,032			$	12,975			$	18,512			$	897,714			$	916,226
Income producing - commercial real estate			1,825				5,376				2,645				9,846				1,693,326				1,703,172
Owner occupied - commercial real estate			1,089				214				1,324				2,627				458,954				461,581
Real estate mortgage – residential			-				-				346				346				147,672				148,018
Construction - commercial and residential			-				-				3,697				3,697				847,767				851,464
Home equity			-				1,365				1,398				2,763				119,773				122,536
Other consumer			284				81				58				423				108,979				109,402
Total		$	4,703			$	11,068			$	22,443			$	38,214			$	4,274,185			$	4,312,399

Impaired Financing Receivables [Table Text Block]

		Unpaid Contractual				Recorded Investment				Recorded Investment				Total								Average Recorded Investment								Interest Income 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
June 30, 2015
Commercial		$	12,948			$	1,558			$	8,397			$	9,955			$	4,066			$	10,606			$	11,396			$	9			$	9
Income producing - commercial real estate			10,545				8,712				1,140				9,852				491				9,914				10,107				36				71
Owner occupied - commercial real estate			1,831				1,002				829				1,831				386				1,849				1,862				-				-
Real estate mortgage – residential			338				338				-				338				-				340				342				-				-
Construction - commercial and residential			5,641				-				5,641				5,641				803				7,156				7,699				99				198
Home equity			887				117				770				887				293				888				1,058				-				-
Other consumer			18				18				-				18				-				14				29				1				1
Total		$	32,208			$	11,745			$	16,777			$	28,522			$	6,039			$	30,767			$	32,493			$	145			$	279
December 31, 2014
Commercial		$	14,075			$	1,603			$	11,372			$	12,975			$	5,334			$	14,203			$	13,681			$	20			$	251
Income producing - commercial real estate			10,869				8,952				1,542				10,494				751				8,202				7,021				196				203
Owner occupied - commercial real estate			1,889				1,038				851				1,889				577				2,696				3,986				-				6
Real estate mortgage – residential			346				346				-				346				-				348				529				-				-
Construction - commercial and residential			8,785				8,176				609				8,785				927				10,113				10,967				436				1,147
Home equity			1,398				339				1,059				1,398				430				993				747				32				36
Other consumer			58				-				58				58				45				29				30				7				7
Total		$	37,420			$	20,454			$	15,491			$	35,945			$	8,064			$	36,584			$	36,961			$	691			$	1,650
June 30, 2014
Commercial		$	9,771			$	348			$	8,323			$	8,671			$	3,501			$	8,873			$	11,032			$	3			$	3
Investment - commercial real estate			6,416				1,512				4,529				6,041				732				5,841				5,861				43				78
Owner occupied - commercial			3,230				99				3,131				3,230				1,102				5,277				5,335				-				-
Real estate mortgage – residential			650				650				-				650				-				711				769				-				-
Construction - commercial and residential			12,516				4,347				7,071				11,418				1,605				11,822				12,192				49				552
Home equity			403				125				278				403				208				501				541				-				-
Other consumer			-				-				-				-				-				30				43				-				-
Total		$	32,986			$	7,081			$	23,332			$	30,413			$	7,148			$	33,055			$	35,773			$	95			$	633

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

						TDRs Performing				TDRs Not Performing
(dollars in thousands)		Number of Contracts				to Modified Terms				to Modified Terms				Total TDRs
June 30, 2015
Commercial			2			$	272			$	219			$	491
Income producing - commercial real estate			3				7,790				-				7,790
Owner occupied - commercial real estate			1				534				-				534
Construction - commercial and residential			1				5,056				-				5,056
Total			7			$	13,652			$	219			$	13,871
December 31, 2014
Commercial			1			$	-			$	227			$	227
Income producing - commercial real estate			3				7,849				-				7,849
Owner occupied - commercial real estate			1				565				-				565
Construction - commercial and residential			1				5,088				-				5,088
Total			6			$	13,502			$	227			$	13,729

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-Section 50



-Paragraph 34



-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953682-111524

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