Note 6 - Loans and Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2014

Receivables [Abstract]

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

	June 30, 2014						December 31, 2013						June 30, 2013
(dollars in thousands)	Amount			%			Amount			%			Amount			%
Commercial	$	726,611			22	%	$	694,350			24	%	$	636,623			24	%
Investment - commercial real estate		1,302,479			40	%		1,119,800			38	%		1,003,723			37	%
Owner occupied - commercial real estate		330,073			10	%		317,491			11	%		311,335			12	%
Real estate mortgage - residential		123,587			4	%		90,418			3	%		78,813			3	%
Construction - commercial and residential		642,264			20	%		574,167			19	%		515,511			19	%
Construction - C&I (owner occupied)		38,368			1	%		34,659			1	%		28,807			1	%
Home equity		108,931			3	%		110,242			4	%		108,565			4	%
Other consumer		7,116			-			4,031			-			7,981			-
Total loans		3,279,429			100	%		2,945,158			100	%		2,691,358			100	%
Less: Allowance for Credit Losses		(43,552	)					(40,921	)					(39,640	)
Net loans	$	3,235,877					$	2,904,237					$	2,651,718

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 June 30, 2014
Allowance for credit losses:
Balance at beginning of period	$	11,420		$	10,590	$	3,195		$	754		$	14,179		$	1,507		$	373		$	42,018
Loans charged-off		(1,378	)		-		-			(28	)		(225	)		-			(59	)		(1,690	)
Recoveries of loans previously charged-off		72			4		7			-			6			1			-			90
Net loans charged-off		(1,306	)		4		7			(28	)		(219	)		1			(59	)		(1,600	)
Provision for credit losses		1,299			151		71			232			1,527			(177	)		31			3,134
Ending balance	$	11,413		$	10,745	$	3,273		$	958		$	15,487		$	1,331		$	345		$	43,552
Six months ended June 30, 2014
Allowance for credit losses:
Balance at beginning of period	$	9,780		$	10,359	$	3,899		$	944		$	13,934		$	1,871		$	134		$	40,921
Loans charged-off		(1,651	)		-		(35	)		(90	)		(806	)		(149	)		(84	)		(2,815	)
Recoveries of loans previously charged-off		283			4		7			-			71			6			7			378
Net loans charged-off		(1,368	)		4		(28	)		(90	)		(735	)		(143	)		(77	)		(2,437	)
Provision for credit losses		3,001			382		(598	)		104			2,288			(397	)		288			5,068
Ending balance	$	11,413		$	10,745	$	3,273		$	958		$	15,487		$	1,331		$	345		$	43,552
For the Period Ended June 30, 2014
Allowance for credit losses:
Individually evaluated for impairment	$	3,501		$	732	$	1,102		$	-		$	1,605		$	208		$	-		$	7,148
Collectively evaluated for impairment		7,912			10,013		2,171			958			13,882			1,123			345			36,404
Ending balance	$	11,413		$	10,745	$	3,273		$	958		$	15,487		$	1,331		$	345		$	43,552

				Investment			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 June 30, 2013
Allowance for credit losses:
Balance at beginning of period	$	11,075		$	9,007		$	2,804	$	877	$	12,945		$	1,752		$	351		$	38,811
Loans charged-off		(1,230	)		-			-		-		(991	)		-			(10	)		(2,231	)
Recoveries of loans previously charged-off		24			-			-		-		669			9			1			703
Net loans charged-off		(1,206	)		-			-		-		(322	)		9			(9	)		(1,528	)
Provision for credit losses		2,308			608			220		65		(875	)		4			27			2,357
Ending balance	$	12,177		$	9,615		$	3,024	$	942	$	11,748		$	1,765		$	369		$	39,640
Six months ended June 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		(2,414	)		(109	)		-		-		(1,710	)		(29	)		(52	)		(4,314	)
Recoveries of loans previously charged-off		50			-			-		-		675			9			6			740
Net loans charged-off		(2,364	)		(109	)		-		-		(1,035	)		(20	)		(46	)		(3,574	)
Provision for credit losses		5,129			576			243		283		(608	)		55			44			5,722
Ending balance	$	12,177		$	9,615		$	3,024	$	942	$	11,748		$	1,765		$	369		$	39,640
For the Period Ended June 30, 2013
Allowance for credit losses:
Individually evaluated for impairment	$	3,416		$	1,040		$	1,025	$	-	$	1,396		$	317		$	10		$	7,204
Collectively evaluated for impairment		8,761			8,575			1,999		942		10,352			1,448			359			32,436
Ending balance	$	12,177		$	9,615		$	3,024	$	942	$	11,748		$	1,765		$	369		$	39,640

Schedule Of Recorded Investment In Loans [Table Text Block]

			Investment		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
June 30, 2014
Recorded investment in loans:
Individually evaluated for impairment	$	17,405	$	2,913	$	3,230	$	-	$	12,882	$	561	$	-	$	36,991
Collectively evaluated for impairment		709,206		1,299,566		326,843		123,587		667,750		108,370		7,116		3,242,438
Ending balance	$	726,611	$	1,302,479	$	330,073	$	123,587	$	680,632	$	108,931	$	7,116	$	3,279,429
December 31, 2013
Recorded investment in loans:
Individually evaluated for impairment	$	9,614	$	2,682	$	7,574	$	113	$	13,862	$	682	$	70	$	34,597
Collectively evaluated for impairment		684,736		1,117,118		309,917		90,305		594,964		109,560		3,961		2,910,561
Ending balance	$	694,350	$	1,119,800	$	317,491	$	90,418	$	608,826	$	110,242	$	4,031	$	2,945,158
June 30, 2013
Recorded investment in loans:
Individually evaluated for impairment	$	16,407	$	5,560	$	8,580	$	-	$	18,879	$	561	$	11	$	49,998
Collectively evaluated for impairment		620,216		998,163		302,755		78,813		525,439		108,004		7,970		2,641,360
Ending balance	$	636,623	$	1,003,723	$	311,335	$	78,813	$	544,318	$	108,565	$	7,981	$	2,691,358

Financing Receivable Credit Quality Indicators [Table Text Block]

			Watch and						Total
(dollars in thousands)	Pass		Special Mention		Substandard		Doubtful		Loans
June 30, 2014
Commercial	$	695,191	$	14,015	$	17,405	$	-	$	726,611
Investment - commercial real estate		1,286,730		12,836		2,913		-		1,302,479
Owner occupied - commercial real estate		313,523		13,320		3,230		-		330,073
Real estate mortgage – residential		122,681		906		-		-		123,587
Construction - commercial and residential		654,631		13,119		12,882		-		680,632
Home equity		106,468		1,902		561		-		108,931
Other consumer		7,116		-		-		-		7,116
Total	$	3,186,340	$	56,098	$	36,991	$	-	$	3,279,429
December 31, 2013
Commercial	$	655,409	$	29,327	$	9,614	$	-	$	694,350
Investment - commercial real estate		1,095,285		21,833		2,682		-		1,119,800
Owner occupied - commercial real estate		294,337		15,580		7,574		-		317,491
Real estate mortgage – residential		89,501		804		113		-		90,418
Construction - commercial and residential		575,321		19,643		13,862		-		608,826
Home equity		107,415		2,145		682		-		110,242
Other consumer		3,961		-		70		-		4,031
Total	$	2,821,229	$	89,332	$	34,597	$	-	$	2,945,158
June 30, 2013
Commercial	$	590,451	$	29,765	$	16,407	$	-	$	636,623
Investment - commercial real estate		966,886		31,277		5,560		-		1,003,723
Owner occupied - commercial real estate		284,507		18,248		8,580		-		311,335
Real estate mortgage – residential		77,969		844		-		-		78,813
Construction - commercial and residential		502,319		23,120		18,879		-		544,318
Home equity		105,854		2,150		561		-		108,565
Other consumer		7,970		-		11		-		7,981
Total	$	2,535,956	$	105,404	$	49,998	$	-	$	2,691,358

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

(dollars in thousands)	June 30, 2014		December 31, 2013		June 30, 2013
Commercial	$	8,671	$	6,779	$	6,806
Investment - commercial real estate		2,676		2,525		3,266
Owner occupied - commercial real estate		3,230		5,452		2,357
Real estate mortgage - residential		650		887		790
Construction - commercial and residential		6,877		8,366		9,866
Home equity		403		623		411
Other consumer		-		70		11
Total nonaccrual loans (1)(2)	$	22,507	$	24,702	$	23,507

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
June 30, 2014
Commercial	$	3,739	$	477	$	8,671	$	12,887	$	713,724	$	726,611
Investment - commercial real estate		5,080		1,596		2,676		9,352		1,293,127		1,302,479
Owner occupied - commercial real estate		318		282		3,230		3,830		326,243		330,073
Real estate mortgage – residential		681		-		650		1,331		122,256		123,587
Construction - commercial and residential		-		6,005		6,877		12,882		667,750		680,632
Home equity		284		739		403		1,426		107,505		108,931
Other consumer		4		17		-		21		7,095		7,116
Total	$	10,106	$	9,116	$	22,507	$	41,729	$	3,237,700	$	3,279,429
December 31, 2013
Commercial	$	1,698	$	11,146	$	6,779	$	19,623	$	674,727	$	694,350
Investment - commercial real estate		818		-		2,525		3,343		1,116,457		1,119,800
Owner occupied - commercial real estate		360		2,121		5,452		7,933		309,558		317,491
Real estate mortgage – residential		-		-		887		887		89,531		90,418
Construction - commercial and residential		-		-		8,366		8,366		600,460		608,826
Home equity		626		359		623		1,608		108,634		110,242
Other consumer		-		15		70		85		3,946		4,031
Total	$	3,502	$	13,641	$	24,702	$	41,845	$	2,903,313	$	2,945,158

Impaired Financing Receivables [Table Text Block]

	Unpaid		Recorded		Recorded						Average Recorded				Interest Income
	Contractual		Investment		Investment		Total				Investment				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
June 30, 2014
Commercial	$	9,771	$	348	$	8,323	$	8,671	$	3,501	$	8,873	$	11,032	$	3	$	3
Investment - commercial real estate		6,416		1,512		4,529		6,041		732		5,841		5,861		43		78
Owner occupied - commercial		3,230		99		3,131		3,230		1,102		5,277		5,335		-		-
Real estate mortgage – residential		650		650		-		650		-		711		769		-		-
Construction - commercial and residential		12,516		4,347		7,071		11,418		1,605		11,822		12,192		49		552
Home equity		403		125		278		403		208		501		541		-		-
Other consumer		-		-		-		-		-		30		43		-		-
Total	$	32,986	$	7,081	$	23,332	$	30,413	$	7,148	$	33,055	$	35,773	$	95	$	633
December 31, 2013
Commercial	$	6,779	$	2,327	$	4,452	$	6,779	$	1,323	$	8,193	$	8,877	$	53	$	131
Investment - commercial real estate		5,902		1,322		4,580		5,902		1,098		6,183		5,755		38		175
Owner occupied - commercial		5,452		111		5,341		5,452		1,853		5,939		6,285		52		108
Real estate mortgage – residential		887		774		113		887		27		891		792		2		2
Construction - commercial and residential		13,233		5,358		7,575		12,933		1,625		13,405		17,298		44		169
Home equity		623		-		623		623		526		567		508		2		4
Other consumer		70		-		70		70		68		58		34		1		2
Total	$	32,946	$	9,892	$	22,754	$	32,646	$	6,520	$	35,236	$	39,549	$	192	$	591
June 30, 2013
Commercial	$	10,760	$	4,230	$	6,530	$	10,760	$	3,416	$	9,377	$	9,334	$	43	$	85
Investment - commercial real estate		5,403		3,819		1,584		5,403		1,040		5,405		5,470		38		75
Owner occupied - commercial		6,438		5,533		905		6,438		1,025		6,444		6,515		43		99
Real estate mortgage – residential		790		790		-		790		-		741		727		-		-
Construction - commercial and residential		14,489		10,828		3,661		14,489		1,396		18,224		19,894		42		84
Home equity		411		38		373		411		317		446		468		-		-
Other consumer		11		1		10		11		10		6		18		-		-
Total	$	38,302	$	25,239	$	13,063	$	38,302	$	7,204	$	40,643	$	42,426	$	166	$	343

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Number of		TDRs Performing		TDRs Not Performing		Total
(dollars in thousands)	Contracts		to Modified Terms		to Modified Terms		TDRs
June 30, 2014
Investment - commercial real estate		2	$	3,365	$	-	$	3,365
Construction - commercial and residential		2		4,541		912		5,453
Total		4	$	7,906	$	912	$	8,818
December 31, 2013
Commercial		3	$	-	$	4,042	$	4,042
Investment - commercial real estate		3		3,377		217		3,594
Owner occupied - commercial real estate		1		-		4,081		4,081
Construction - commercial and residential		2		4,567		912		5,479
Total		9	$	7,944	$	9,252	$	17,196