Note 4 - Loans and Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2013

Loan and Lease Receivables, Impaired [Abstract]

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

	September 30, 2013						December 31, 2012						September 30, 2012
(dollars in thousands)	Amount			%			Amount			%			Amount			%
Commercial	$	682,413			25	%	$	545,070			22	%	$	534,133			23	%
Investment - commercial real estate		1,039,775			37	%		914,638			37	%		942,770			39	%
Owner occupied - commercial real estate		334,078			12	%		297,857			12	%		306,148			13	%
Real estate mortgage - residential		79,061			3	%		61,871			3	%		57,952			2	%
Construction - commercial and residential		507,653			18	%		533,722			21	%		437,954			18	%
Construction - C&I (owner occupied)		35,612			1	%		28,808			1	%		14,739			1	%
Home equity		108,889			4	%		106,844			4	%		98,930			4	%
Other consumer		9,359			-			4,285			-			5,043			-
Total loans		2,796,840			100	%		2,493,095			100	%		2,397,669			100	%
Less: Allowance for Credit Losses		(39,687	)					(37,492	)					(35,582	)
Net loans	$	2,757,153					$	2,455,603					$	2,362,087

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

(dollars in thousands)	Commercial			Investment Commercial Real Estate			Owner Occupied Commercial Real Estate			Real Estate Mortgage Residential			Construction Commercial and Residential			Home Equity			Other Consumer			Total
Three months ended September 30, 2013
Allowance for credit losses:
Balance at beginning of period	$	12,177		$	9,615		$	3,024		$	942		$	11,748		$	1,765		$	369		$	39,640
Loans charged-off		(966	)		(118	)		-			-			(300	)		(25	)		(11	)		(1,420	)
Recoveries of loans previously charged-off		89			-			-			-			6			-			-			95
Net loans charged-off		(877	)		(118	)		-			-			(294	)		(25	)		(11	)		(1,325	)
Provision for credit losses		346			359			(37	)		(332	)		1,026			5			5			1,372
Ending balance	$	11,646		$	9,856		$	2,987		$	610		$	12,480		$	1,745		$	363		$	39,687
Nine months ended September 30, 2013
Allowance for credit losses:
Balance at beginning of period	$	9,412		$	9,148		$	2,781		$	659		$	13,391		$	1,730		$	371		$	37,492
Loans charged-off		(3,380	)		(227	)		-			-			(2,010	)		(54	)		(63	)		(5,734	)
Recoveries of loans previously charged-off		139			-			-			-			681			9			6			835
Net loans charged-off		(3,241	)		(227	)		-			-			(1,329	)		(45	)		(57	)		(4,899	)
Provision for credit losses		5,475			935			206			(49	)		418			60			49			7,094
Ending balance	$	11,646		$	9,856		$	2,987		$	610		$	12,480		$	1,745		$	363		$	39,687
For the Period Ended September 30, 2013
Allowance for credit losses:
Individually evaluated for impairment	$	3,019		$	1,097		$	823		$	27		$	1,776		$	373		$	45		$	7,160
Collectively evaluated for impairment		8,627			8,759			2,164			583			10,704			1,372			318			32,527
Ending balance	$	11,646		$	9,856		$	2,987		$	610		$	12,480		$	1,745		$	363		$	39,687

(dollars in thousands)	Commercial			Investment Commercial Real Estate			Owner Occupied Commercial Real Estate			Real Estate Mortgage Residential			Construction Commercial and Residential			Home Equity			Other Consumer			Total
Three months ended September 30, 2012
Allowance for credit losses:
Balance at beginning of period	$	8,878		$	8,720		$	2,390		$	-		$	12,484		$	1,433		$	174		$	34,079
Loans charged-off		(70	)		-			(350	)		-			(1,554	)		(250	)		(28	)		(2,252	)
Recoveries of loans previously charged-off		41			-			-			-			6			70			-			117
Net loans charged-off		(29	)		-			(350	)		-			(1,548	)		(180	)		(28	)		(2,135	)
Provision for credit losses		519			3			451			-			2,067			449			149			3,638
Ending balance	$	9,368		$	8,723		$	2,491		$	-		$	13,003		$	1,702		$	295		$	35,582
Nine months ended September 30, 2012
Allowance for credit losses:
Balance at beginning of period	$	9,609		$	7,304		$	1,898		$	399		$	8,546		$	1,528		$	369		$	29,653
Loans charged-off		(1,831	)		(1,189	)		(350	)		(300	)		(2,544	)		(511	)		(37	)		(6,762	)
Recoveries of loans previously charged-off		69			18			-			-			480			71			2			640
Net loans charged-off		(1,762	)		(1,171	)		(350	)		(300	)		(2,064	)		(440	)		(35	)		(6,122	)
Provision for credit losses		1,521			2,590			943			(99	)		6,521			614			(39	)		12,051
Ending balance	$	9,368		$	8,723		$	2,491		$	-		$	13,003		$	1,702		$	295		$	35,582
For the Period Ended September 30, 2012
Allowance for credit losses:
Individually evaluated for impairment	$	2,256		$	863		$	413		$	-		$	3,381		$	380		$	4		$	7,297
Collectively evaluated for impairment		7,112			7,860			2,078			-			9,622			1,322			291			28,285
Ending balance	$	9,368		$	8,723		$	2,491		$	-		$	13,003		$	1,702		$	295		$	35,582

Schedule Of Recorded Investment In Loans [Table Text Block]

(dollars in thousands)	Commercial		Investment Commercial Real Estate		Owner occupied Commercial Real Estate		Real Estate Mortgage Residential		Construction Commercial and Residential		Home Equity		Other Consumer		Total
September 30, 2013
Recorded investment in loans:
Individually evaluated for impairment	$	12,791	$	3,238	$	8,547	$	113	$	17,994	$	570	$	45	$	43,298
Collectively evaluated for impairment		669,622		1,036,537		325,531		78,948		525,271		108,319		9,314		2,753,542
Ending balance	$	682,413	$	1,039,775	$	334,078	$	79,061	$	543,265	$	108,889	$	9,359	$	2,796,840
December 31, 2012
Recorded investment in loans:
Individually evaluated for impairment	$	15,177	$	11,401	$	8,723	$	-	$	36,502	$	510	$	43	$	72,356
Collectively evaluated for impairment		529,893		903,237		289,134		61,871		526,028		106,334		4,242		2,420,739
Ending balance	$	545,070	$	914,638	$	297,857	$	61,871	$	562,530	$	106,844	$	4,285	$	2,493,095
September 30, 2012
Recorded investment in loans:
Individually evaluated for impairment	$	14,054	$	11,624	$	6,455	$	-	$	36,110	$	670	$	8	$	68,921
Collectively evaluated for impairment		520,079		931,146		299,693		57,952		416,583		98,260		5,035		2,328,748
Ending balance	$	534,133	$	942,770	$	306,148	$	57,952	$	452,693	$	98,930	$	5,043	$	2,397,669

Investment [Table Text Block]

(dollars in thousands)	Pass		Watch and Special Mention		Substandard		Doubtful		Total Loans
September 30, 2013
Commercial	$	638,074	$	31,638	$	12,701	$	-	$	682,413
Investment - commercial real estate		1,014,556		21,981		3,238		-		1,039,775
Owner occupied - commercial real estate		305,426		20,105		8,547		-		334,078
Real estate mortgage – residential		78,221		727		113		-		79,061
Construction - commercial and residential		506,542		18,729		17,994		-		543,265
Home equity		106,073		2,246		570		-		108,889
Other consumer		9,313		-		46		-		9,359
Total	$	2,658,205	$	95,426	$	43,209	$	-	$	2,796,840
December 31, 2012
Commercial	$	495,072	$	34,821	$	15,170	$	7	$	545,070
Investment - commercial real estate		892,569		10,668		11,401		-		914,638
Owner occupied - commercial real estate		275,864		13,270		8,723		-		297,857
Real estate mortgage – residential		61,134		737		-		-		61,871
Construction - commercial and residential		508,166		17,862		36,502		-		562,530
Home equity		104,302		2,032		510		-		106,844
Other consumer		4,230		12		43		-		4,285
Total	$	2,341,337	$	79,402	$	72,349	$	7	$	2,493,095
September 30, 2012
Commercial	$	493,361	$	26,718	$	14,037	$	17	$	534,133
Investment - commercial real estate		920,553		10,593		11,624		-		942,770
Owner occupied - commercial real estate		285,292		14,401		6,455		-		306,148
Real estate mortgage – residential		57,952		-		-		-		57,952
Construction - commercial and residential		397,246		19,337		36,110		-		452,693
Home equity		96,674		1,586		670		-		98,930
Other consumer		4,990		45		8		-		5,043
Total	$	2,256,068	$	72,680	$	68,904	$	17	$	2,397,669

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

(dollars in thousands)	September 30, 2013		December 31, 2012		September 30, 2012
Commercial	$	7,607	$	4,799	$	5,282
Investment - commercial real estate		3,081		3,458		3,647
Owner occupied - commercial real estate		6,426		2,578		2,374
Real estate mortgage - residential		895		699		713
Construction - commercial and residential		8,981		18,594		19,730
Home equity		511		513		670
Other consumer		45		43		7
Total nonaccrual loans (1)(2)	$	27,546	$	30,684	$	32,423

Past Due Financing Receivables [Table Text Block]

(dollars in thousands)	Loans 30-59 Days Past Due		Loans 60-89 Days Past Due		Loans 90 Days or More Past Due		Total Past Due Loans		Current Loans		Total Recorded Investment in Loans
September 30, 2013
Commercial	$	3,067	$	980	$	7,607	$	11,654	$	670,759	$	682,413
Investment - commercial real estate		93		-		3,081		3,174		1,036,601		1,039,775
Owner occupied - commercial real estate		362		781		6,426		7,569		326,509		334,078
Real estate mortgage – residential		-		100		895		995		78,066		79,061
Construction - commercial and residential		2,272		-		8,981		11,253		532,012		543,265
Home equity		818		296		511		1,625		107,264		108,889
Other consumer		-		25		45		70		9,289		9,359
Total	$	6,612	$	2,182	$	27,546	$	36,340	$	2,760,500	$	2,796,840
December 31, 2012
Commercial	$	3,784	$	598	$	4,799	$	9,181	$	535,889	$	545,070
Investment - commercial real estate		1,538		992		3,458		5,988		908,650		914,638
Owner occupied - commercial real estate		369		4,081		2,578		7,028		290,829		297,857
Real estate mortgage – residential		-		107		699		806		61,065		61,871
Construction - commercial and residential		6,276		675		18,594		25,545		536,985		562,530
Home equity		1,150		352		513		2,015		104,829		106,844
Other consumer		-		5		43		48		4,237		4,285
Total	$	13,117	$	6,810	$	30,684	$	50,611	$	2,442,484	$	2,493,095

Impaired Financing Receivables [Table Text Block]

	Unpaid Contractual		Recorded Investment		Recorded Investment		Total				Average Recorded Investment				Interest Income Recognized
(dollars in thousands)	Principal Balance		With No Allowance		With Allowance		Recorded Investment		Related Allowance		Quarter To Date		Year To Date		Quarter To Date			Year To Date
September 30, 2013
Commercial	$	9,607	$	2,442	$	7,165	$	9,607	$	3,019	$	10,184	$	9,402	$	(7	)	$	78
Investment - commercial real estate		6,464		1,451		5,013		6,464		1,097		5,934		5,719		62			137
Owner occupied - commercial		6,426		5,530		896		6,426		823		6,432		6,493		(43	)		56
Real estate mortgage – residential		895		783		112		895		27		843		769		-			-
Construction - commercial and residential		13,876		5,892		7,684		13,576		1,776		14,033		18,315		41			125
Home equity		511		37		474		511		373		461		479		2			2
Other consumer		45		-		45		45		45		28		25		1			1
Total	$	37,824	$	16,135	$	21,389	$	37,524	$	7,160	$	37,915	$	41,202	$	56		$	399
December 31, 2012
Commercial	$	9,461	$	5,767	$	3,481	$	9,248	$	2,158	$	8,372	$	7,772	$	151		$	245
Investment - commercial real estate		5,600		3,830		1,770		5,600		1,201		5,695		6,609		38			152
Owner occupied - commercial		6,659		5,602		1,057		6,659		753		4,517		2,746		213			252
Real estate mortgage – residential		699		699		-		699		-		706		714		-			-
Construction - commercial and residential		25,347		14,727		8,508		23,235		3,718		24,859		26,430		63			202
Home equity		513		134		379		513		243		592		534		1			9
Other consumer		43		1		42		43		41		25		17		2			2
Total	$	48,322	$	30,760	$	15,237	$	45,997	$	8,114	$	44,766	$	44,822	$	468		$	862
September 30, 2012
Commercial	$	7,282	$	3,587	$	3,695	$	7,282	$	2,256	$	6,622	$	8,080	$	48		$	94
Investment - commercial real estate		5,789		3,830		1,959		5,789		863		5,840		8,010		38			114
Owner occupied - commercial		2,374		1,315		1,059		2,374		413		2,024		1,152		39			39
Real estate mortgage – residential		713		713		-		713		-		714		800		-			-
Construction - commercial and residential		24,371		14,225		10,146		24,371		3,381		25,680		25,796		56			139
Home equity		670		132		538		670		380		547		562		8			8
Other consumer		7		-		7		7		4		8		8		-			-
Total	$	41,206	$	23,802	$	17,404	$	41,206	$	7,297	$	41,435	$	44,408	$	189		$	394

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, 2013
Commercial		3	$	2,000	$	2,049	$	4,049
Investment - commercial real estate		3		3,383		217		3,600
Owner occupied - commercial real estate		1		-		4,081		4,081
Construction - commercial and residential		2		4,595		912		5,507
Total		9	$	9,978	$	7,259	$	17,237
December 31, 2012
Commercial		3	$	4,449	$	-	$	4,449
Investment - commercial real estate		2		2,142		217		2,359
Owner occupied - commercial real estate		1		4,081		-		4,081
Construction - commercial and residential		2		4,641		966		5,607
Total		8	$	15,313	$	1,183	$	16,496