Note 7 - Allowances for Loan and Lease Losses and Real Estate Losses

12 Months Ended

Dec. 31, 2013

Disclosure Text Block Supplement [Abstract]

Allowance for Credit Losses [Text Block]

7.     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 years ended December 31, 2013 and 2012 (in thousands):

	Year Ended December 31, 2013
	One- to Four-Family Residential			Multifamily Residential			Nonfarm Nonresidential			Construction  and Land Development			Commercial			Consumer			Total
Balance, beginning of period	$	5,099		$	1,319		$	6,949		$	1,130		$	956		$	223		$	15,676
Provision charged to expense		478			558			(2,001	)		403			617			(55	)		--
Losses charged off		(1,249	)		(876	)		(1,177	)		(115	)		(386	)		(142	)		(3,945	)
Recoveries		221			--			500			123			81			55			980
Balance, end of period	$	4,549		$	1,001		$	4,271		$	1,541		$	1,268		$	81		$	12,711

	Year Ended December 31, 2012
	One- to Four-Family Residential			Multifamily Residential			Nonfarm Nonresidential			Construction and Land Development			Commercial			Consumer			Total
Balance, beginning of period	$	6,999		$	2,654		$	7,316		$	2,651		$	972		$	226		$	20,818
Provision charged to expense		(282	)		(355	)		2,141			(1,836	)		162			192			22
Losses charged off		(1,843	)		(997	)		(2,517	)		(407	)		(237	)		(269	)		(6,270	)
Recoveries		225			17			9			722			59			74			1,106
Balance, end of period	$	5,099		$	1,319		$	6,949		$	1,130		$	956		$	223		$	15,676

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 December 31, 2013 and December 31, 2012 (in thousands):

	December 31, 2013
	One- to Four-Family Residential		Multifamily Residential		Nonfarm Nonresidential		Construction and Land Development		Commercial		Consumer		Total
ALLL Balances:
Individually evaluated for impairment	$	279	$	--	$	1,119	$	764	$	--	$	--	$	2,162
Collectively evaluated for impairment		4,270		1,001		3,152		777		1,268		81		10,549
Ending balance	$	4,549	$	1,001	$	4,271	$	1,541	$	1,268	$	81	$	12,711
Loan balances:
Individually evaluated for impairment	$	4,753	$	--	$	4,057	$	3,249	$	350	$	24	$	12,433
Collectively evaluated for impairment		124,555		25,773		164,845		23,305		28,683		4,344		371,505
Ending balance	$	129,308	$	25,773	$	168,902	$	26,554	$	29,033	$	4,368	$	383,938

	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:
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

Activity in the allowance for real estate losses is as follows for the years ended December 31: (in thousands):

	2013			2012
Balance—beginning of year	$	14,877		$	20,934
Provisions for estimated losses		726			1,388
Losses charged off		(6,809	)		(7,445	)
Balance—end of year	$	8,794		$	14,877