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

9 Months Ended

Sep. 30, 2016

Notes Tables

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

		September 30, 2016								December 31, 2015								September 30, 2015
(dollars in thousands)		Amount				%				Amount				%				Amount				%
Commercial		$	1,130,042				21	%		$	1,052,257				21	%		$	1,007,659				21	%
Income producing - commercial real estate			2,551,186				46	%			2,115,478				42	%			2,022,950				42	%
Owner occupied - commercial real estate			590,427				11	%			498,103				10	%			489,657				10	%
Real estate mortgage - residential			154,439				3	%			147,365				3	%			147,720				3	%
Construction - commercial and residential			838,137				15	%			985,607				20	%			927,265				20	%
Construction - C&I (owner occupied)			104,676				2	%			79,769				2	%			60,487				1	%
Home equity			106,856				2	%			112,885				2	%			115,346				3	%
Other consumer			6,212				-				6,904				-				5,881				-
Total loans			5,481,975				100	%			4,998,368				100	%			4,776,965				100	%
Less: Allowance for Credit Losses			(56,864	)							(52,687	)							(50,320	)
Net loans		$	5,425,111							$	4,945,681							$	4,726,645

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, 2016
Allowance for credit losses:
Balance at beginning of period		$	13,386			$	19,072			$	4,202			$	1,061			$	17,024			$	1,556			$	235			$	56,536
Loans charged-off			(109	)			(1,751	)			-				-				-				(121	)			(12	)			(1,993	)
Recoveries of loans previously charged-off			7				10				-				2				3				3				8				33
Net loans (charged-off) recoveries			(102	)			(1,741	)			-				2				3				(118	)			(4	)			(1,960	)
Provision for credit losses			(523	)			3,178				59				47				(513	)			(69	)			109				2,288
Ending balance		$	12,761			$	20,509			$	4,261			$	1,110			$	16,514			$	1,369			$	340			$	56,864
Nine months ended September 30, 2016
Allowance for credit losses:
Balance at beginning of period		$	11,563			$	14,122			$	3,279			$	1,268			$	21,088			$	1,292			$	75			$	52,687
Loans charged-off			(2,802	)			(2,342	)			-				-				-				(217	)			(37	)			(5,398	)
Recoveries of loans previously charged-off			93				14				2				5				207				11				24				356
Net loans charged-off			(2,709	)			(2,328	)			2				5				207				(206	)			(13	)			(5,042	)
Provision for credit losses			3,907				8,715				980				(163	)			(4,781	)			283				278				9,219
Ending balance		$	12,761			$	20,509			$	4,261			$	1,110			$	16,514			$	1,369			$	340			$	56,864
As of September 30, 2016
Allowance for credit losses:
Individually evaluated for impairment		$	1,997			$	1,714			$	360			$	-			$	300			$	-			$	100			$	4,471
Collectively evaluated for impairment			10,764				18,795				3,901				1,110				16,214				1,369				240				52,393
Ending balance		$	12,761			$	20,509			$	4,261			$	1,110			$	16,514			$	1,369			$	340			$	56,864
Three months ended September 30, 2015
Allowance for credit losses:
Balance at beginning of period		$	12,911			$	12,411			$	3,113			$	1,082			$	17,633			$	1,496			$	275			$	48,921
Loans charged-off			(1,388	)			(254	)			-				-				-				(225	)			(95	)			(1,962	)
Recoveries of loans previously charged-off			60				8				-				2				10				1				18				99
Net loans (charged-off) recoveries			(1,328	)			(246	)			-				2				10				(224	)			(77	)			(1,863	)
Provision for credit losses			57				1,550				(13	)			(18	)			1,281				334				71				3,262
Ending balance		$	11,640			$	13,715			$	3,100			$	1,066			$	18,924			$	1,606			$	269			$	50,320
Nine months ended September 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			(4,693	)			(651	)			-				-				-				(644	)			(182	)			(6,170	)
Recoveries of loans previously charged-off			135				26				2				5				114				5				85				372
Net loans charged-off			(4,558	)			(625	)			2				5				114				(639	)			(97	)			(5,798	)
Provision for credit losses			2,976				2,898				144				(198	)			3,185				776				262				10,043
Ending balance		$	11,640			$	13,715			$	3,100			$	1,066			$	18,924			$	1,606			$	269			$	50,320
As of September 30, 2015
Allowance for credit losses:
Individually evaluated for impairment		$	2,312			$	827			$	400			$	-			$	350			$	338			$	-			$	4,227
Collectively evaluated for impairment			9,328				12,888				2,700				1,066				18,574				1,268				269				46,093
Ending balance		$	11,640			$	13,715			$	3,100			$	1,066			$	18,924			$	1,606			$	269			$	50,320

Schedule of Recorded Investment in Loans [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
September 30, 2016
Recorded investment in loans:
Individually evaluated for impairment		$	12,448			$	14,648			$	2,517			$	244			$	4,878			$	113			$	-			$	34,848
Collectively evaluated for impairment			1,117,594				2,536,538				587,910				154,195				937,935				106,743				6,212				5,447,127
Ending balance		$	1,130,042			$	2,551,186			$	590,427			$	154,439			$	942,813			$	106,856			$	6,212			$	5,481,975
December 31, 2015
Recorded investment in loans:
Individually evaluated for impairment		$	13,008			$	6,118			$	1,753			$	-			$	10,454			$	161			$	22			$	31,516
Collectively evaluated for impairment			1,039,249				2,109,360				496,350				147,365				1,054,922				112,724				6,882				4,966,852
Ending balance		$	1,052,257			$	2,115,478			$	498,103			$	147,365			$	1,065,376			$	112,885			$	6,904			$	4,998,368
September 30, 2015
Recorded investment in loans:
Individually evaluated for impairment		$	12,869			$	6,877			$	1,790			$	-			$	17,644			$	661			$	72			$	39,913
Collectively evaluated for impairment			994,790				2,016,073				487,867				147,720				970,108				114,685				5,809				4,737,052
Ending balance		$	1,007,659			$	2,022,950			$	489,657			$	147,720			$	987,752			$	115,346			$	5,881			$	4,776,965

Financing Receivable Credit Quality Indicators [Table Text Block]

						Watch and												Total
(dollars in thousands)		Pass				Special Mention				Substandard				Doubtful				Loans
September 30, 2016
Commercial		$	1,099,894			$	18,599			$	11,549			$	-			$	1,130,042
Income producing - commercial real estate			2,527,318				9,220				14,648				-				2,551,186
Owner occupied - commercial real estate			577,925				10,399				2,103				-				590,427
Real estate mortgage – residential			153,515				680				244				-				154,439
Construction - commercial and residential			937,198				737				4,878				-				942,813
Home equity			105,126				1,617				113				-				106,856
Other consumer			6,209				3				-				-				6,212
Total		$	5,407,185			$	41,255			$	33,535			$	-			$	5,481,975
December 31, 2015
Commercial		$	1,021,427			$	17,822			$	13,008			$	-			$	1,052,257
Income producing - commercial real estate			2,096,032				13,328				6,118				-				2,115,478
Owner occupied - commercial real estate			488,496				7,854				1,753				-				498,103
Real estate mortgage – residential			146,651				714				-				-				147,365
Construction - commercial and residential			1,049,926				4,996				10,454				-				1,065,376
Home equity			110,870				1,854				161				-				112,885
Other consumer			6,877				5				22				-				6,904
Total		$	4,920,279			$	46,573			$	31,516			$	-			$	4,998,368
September 30, 2015
Commercial		$	977,165			$	17,625			$	12,869			$	-			$	1,007,659
Investment - commercial real estate			1,999,509				16,564				6,877				-				2,022,950
Owner occupied - commercial real estate			479,843				8,024				1,790				-				489,657
Real estate mortgage – residential			146,992				728				-				-				147,720
Construction - commercial and residential			964,854				5,254				17,644				-				987,752
Home equity			112,978				1,707				661				-				115,346
Other consumer			5,804				5				72				-				5,881
Total		$	4,687,145			$	49,907			$	39,913			$	-			$	4,776,965

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

(dollars in thousands)		September 30, 2016				December 31, 2015				September 30, 2015
Commercial		$	2,986			$	4,940			$	4,828
Income producing - commercial real estate			10,098				5,961				6,721
Owner occupied - commercial real estate			2,103				1,268				1,281
Real estate mortgage - residential			562				329				333
Construction - commercial and residential			6,412				557				571
Home equity			113				161				661
Other consumer			-				23				72
Total nonaccrual loans (1)(2)		$	22,274			$	13,239			$	14,467

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, 2016
Commercial		$	1,173			$	495			$	2,986			$	4,654			$	1,125,388			$	1,130,042
Income producing - commercial real estate			-				-				10,098				10,098				2,541,088				2,551,186
Owner occupied - commercial real estate			-				3,338				2,103				5,441				584,986				590,427
Real estate mortgage – residential			-				164				562				726				153,713				154,439
Construction - commercial and residential			-				-				6,412				6,412				936,401				942,813
Home equity			562				620				113				1,295				105,561				106,856
Other consumer			8				16				-				24				6,188				6,212
Total		$	1,743			$	4,633			$	22,274			$	28,650			$	5,453,325			$	5,481,975
December 31, 2015
Commercial		$	4,130			$	1,364			$	4,940			$	10,434			$	1,041,823			$	1,052,257
Income producing - commercial real estate			2,841				-				5,961				8,802				2,106,676				2,115,478
Owner occupied - commercial real estate			3,189				902				1,268				5,359				492,744				498,103
Real estate mortgage – residential			-				-				329				329				147,036				147,365
Construction - commercial and residential			-				5,020				557				5,577				1,059,799				1,065,376
Home equity			-				77				161				238				112,647				112,885
Other consumer			56				60				23				139				6,765				6,904
Total		$	10,216			$	7,423			$	13,239			$	30,878			$	4,967,490			$	4,998,368

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
September 30, 2016
Commercial		$	15,517			$	2,370			$	10,078			$	12,448			$	1,997			$	12,838			$	12,879			$	54			$	112
Income producing - commercial real estate			14,648				-				14,648				14,648				1,714				17,584				15,298				28				144
Owner occupied - commercial real estate			2,517				-				2,517				2,517				360				2,108				1,923				13				13
Real estate mortgage – residential			244				244				-				244				-				249				271				-				-
Construction - commercial and residential			4,878				4,340				538				4,878				300				5,146				6,542				-				-
Home equity			113				-				113				113				100				117				129				2				2
Other consumer			-				-				-				-				-				-				6				-				-
Total		$	37,917			$	6,954			$	27,894			$	34,848			$	4,471			$	38,042			$	37,048			$	97			$	271
December 31, 2015
Commercial		$	16,123			$	2,396			$	10,612			$	13,008			$	3,478			$	9,671			$	10,309			$	21			$	69
Income producing - commercial real estate			6,811				1,190				4,928				6,118				1,033				10,675				10,294				95				354
Owner occupied - commercial real estate			1,753				946				807				1,753				400				1,772				1,810				-				-
Construction - commercial and residential			10,454				4,877				5,577				10,454				950				8,031				7,594				(93	)			205
Home equity			161				116				45				161				38				411				650				-				-
Other consumer			22				19				3				22				3				47				31				(1	)			1
Total		$	35,324			$	9,544			$	21,972			$	31,516			$	5,902			$	30,607			$	30,688			$	22			$	629
September 30, 2015
Commercial		$	14,041			$	2,663			$	10,206			$	12,869			$	2,312			$	7,978			$	10,047			$	39			$	48
Income producing - commercial real estate			15,389				-				6,877				6,877				827				12,542				11,388				188				259
Owner occupied - commercial real estate			2,299				973				817				1,790				400				1,811				1,844				-				-
Construction - commercial and residential			22,681				5,370				12,274				17,644				350				5,961				7,516				100				298
Home equity			661				116				545				661				338				774				959				-				-
Other consumer			72				72				-				72				-				45				40				1				2
Total		$	55,143			$	9,194			$	30,719			$	39,913			$	4,227			$	29,111			$	31,794			$	328			$	607

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

(dollars in thousands)		Number of Contracts				TDRs Performing to Modified Terms				TDRs Not Performing to Modified Terms				Total TDRs
September 30, 2016
Commercial			6			$	1,725			$	199			$	1,924
Income producing - commercial real estate			1				742				-				742
Owner occupied - commercial real estate			1				414				-				414
Construction - commercial and residential			1				-				4,948				4,948
Total			9			$	2,881			$	5,147			$	8,028
December 31, 2015
Commercial			4			$	1,171			$	211			$	1,382
Income producing - commercial real estate			2				5,160				-				5,160
Owner occupied - commercial real estate			1				485				-				485
Construction - commercial and residential			1				5,020				-				5,020
Total			8			$	11,836			$	211			$	12,047

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-Section 50
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953682-111524

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