Note 6 - Allowances for Loan and Lease Losses and Real Estate Losses

12 Months Ended

Dec. 31, 2014

Disclosure Text Block Supplement [Abstract]

Allowance for Credit Losses [Text Block]

6. 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, 2014 and 2013 (in thousands):

	Year Ended December 31, 2014
	One- to Four-Family Residential			Multifamily Residential			Nonfarm Nonresidential			Farmland		Construction and Land Development			Commercial			Consumer			Total
Balance, beginning of period	$	4,549		$	1,001		$	4,271		$	158	$	1,383		$	1,268		$	81		$	12,711
Provision charged to expense		33			(210	)		361			184		8			1,072			140			1,588
Losses charged off		(116	)		--			(114	)		--		(444	)		(29	)		(186	)		(889	)
Recoveries		90			--			14			--		76			4			66			250
Balance, end of period	$	4,556		$	791		$	4,532		$	342	$	1,023		$	2,315		$	101		$	13,660

	Year Ended December 31, 2013
	One- to Four-Family Residential			Multifamily Residential			Nonfarm Nonresidential			Farmland			Construction and Land Development			Commercial			Consumer			Total
Balance, beginning of period	$	5,099		$	1,319		$	6,949		$	251		$	879		$	956		$	223		$	15,676
Provision charged to expense		478			558			(2,001	)		(93	)		496			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		$	158		$	1,383		$	1,268		$	81		$	12,711

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, 2014 and December 31, 2013 (in thousands):

	December 31, 2014
	One- to Four-Family Residential		Multifamily Residential		Nonfarm Nonresidential		Farmland		Construction and Land Development		Commercial		Consumer		Total
ALLL Balances:
Individually evaluated for impairment	$	251	$	--	$	580	$	123	$	45	$	--	$	12	$	1,011
Collectively evaluated for impairment		4,305		791		3,952		219		978		2,315		89		12,649
Ending balance	$	4,556	$	791	$	4,532	$	342	$	1,023	$	2,315	$	101	$	13,660
Loan balances:
Individually evaluated for impairment	$	5,441	$	--	$	3,113	$	734	$	708	$	306	$	34	$	10,336
Collectively evaluated for impairment		315,048		45,181		366,861		46,465		97,886		139,565		33,775		1,044,781
Ending balance	$	320,489	$	45,181	$	369,974	$	47,199	$	98,594	$	139,871	$	33,809	$	1,055,117

	December 31, 2013
	One- to Four-Family Residential		Multifamily Residential		Nonfarm Nonresidential		Farmland		Construction and Land Development		Commercial		Consumer		Total
ALLL Balances:
Individually evaluated for impairment	$	279	$	--	$	1,119	$	133	$	631	$	--	$	--	$	2,162
Collectively evaluated for impairment		4,270		1,001		3,152		25		752		1,268		81		10,549
Ending balance	$	4,549	$	1,001	$	4,271	$	158	$	1,383	$	1,268	$	81	$	12,711
Loan balances:
Individually evaluated for impairment	$	4,753	$	--	$	4,057	$	782	$	2,467	$	350	$	24	$	12,433
Collectively evaluated for impairment		124,555		25,773		164,845		1,881		21,424		28,683		4,344		371,505
Ending balance	$	129,308	$	25,773	$	168,902	$	2,663	$	23,891	$	29,033	$	4,368	$	383,938

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

	2014			2013
Balance—beginning of year	$	8,794		$	14,877
Provisions for estimated losses		1,513			726
Losses charged off		(3,732	)		(6,809	)
Balance—end of year	$	6,575		$	8,794