Note 5 - Allowances For Loan And Leases Losses And Real Estate Losses

3 Months Ended

Mar. 31, 2013

Allowance for Credit Losses [Text Block]

5.        ALLOWANCES FOR LOAN AND LEASE LOSSES AND REAL ESTATE LOSSES

The tables below provide a rollforward of the allowance for loan and lease losses (“ALLL”) by portfolio segment for the three months ended March 31, 2013 and 2012 (in thousands):

	Three Months Ended March 31, 2013
	One- to Four- Family Residential			Multifamily Residential			Nonfarm Nonresidential			Construction and Land Development			Commercial		Consumer			Total
Balance, beginning of year	$	5,099		$	1,319		$	6,949		$	1,130		$	956	$	223		$	15,676
Provision charged to expense		1,724			(245	)		(1,475	)		(24	)		25		(5	)		--
Losses charged off		(87	)		--			(134	)		--			--		(29	)		(250	)
Recoveries		42			--			1			84			19		25			171
Balance, end of year	$	6,778		$	1,074		$	5,341		$	1,190		$	1,000	$	214		$	15,597

	Three Months Ended March 31, 2012
	One- to Four- Family Residential			Multifamily Residential			Nonfarm Nonresidential			Construction and Land Development			Commercial			Consumer			Total
Balance, beginning of year	$	6,999		$	3,332		$	7,316		$	1,973		$	972		$	226		$	20,818
Provision charged to expense		(134	)		427			646			(440	)		(487	)		4			16
Losses charged off		(436	)		(997	)		(1,736	)		--			--			(96	)		(3,265	)
Recoveries		18			17			4			702			6			24			771
Balance, end of year	$	6,447		$	2,779		$	6,230		$	2,235		$	491		$	158		$	18,340

The tables below present the allocation of the ALLL and the related loans receivable balances disaggregated on the basis of impairment method by portfolio segment as of March 31, 2013 and December 31, 2012 (in thousands):

	March 31, 2013
	One- to Four- Family Residential		Multifamily Residential		Nonfarm Nonresidential		Construction and Land Development		Commercial		Consumer		Total
ALLL Balances:
Individually evaluated for impairment	$	513	$	470	$	1,198	$	502	$	381	$	6	$	3,070
Collectively evaluated for impairment		6,265		604		4,143		688		619		208		12,527
Ending balance	$	6,778	$	1,074	$	5,341	$	1,190	$	1,000	$	214	$	15,597
Loan balances (1):
Individually evaluated for impairment	$	7,729	$	3,428	$	6,529	$	3,809	$	402	$	31	$	21,928
Collectively evaluated for impairment		143,824		17,710		136,095		9,349		15,431		5,183		327,592
Ending balance	$	151,553	$	21,138	$	142,624	$	13,158	$	15,833	$	5,214	$	349,520

	December 31, 2012
	One- to Four-Family Residential		Multifamily Residential		Nonfarm Nonresidential		Construction and Land Development		Commercial		Consumer		Total
ALLL Balances:
Individually evaluated for impairment	$	275	$	--	$	778	$	130	$	380	$	2	$	1,565
Collectively evaluated for impairment		4,824		1,319		6,171		1,000		576		221		14,111
Ending balance	$	5,099	$	1,319	$	6,949	$	1,130	$	956	$	223	$	15,676
Loan balances (1):
Individually evaluated for impairment	$	8,142	$	3,459	$	8,472	$	4,133	$	402	$	32	$	24,640
Collectively evaluated for impairment		149,794		17,331		129,542		10,418		15,681		5,786		328,552
Ending balance	$	157,936	$	20,790	$	138,014	$	14,551	$	16,083	$	5,818	$	353,192

(1) Gross of unearned discounts and net deferred loan costs and the allowance for loan and lease losses.

A summary of the activity in the allowance for real estate losses is as follows for the three months ended March 31, 2013 and 2012 (in thousands):

	Three Months Ended
	March 31, 2013			March 31, 2012
Balance—beginning of period	$	14,877		$	20,934
Provisions for estimated losses		186			28
Recoveries		--			--
Losses charged off		(5,667	)		(461	)
Balance—end of period	$	9,396		$	20,501