Note 5 - Loans and Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2013

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

	March 31, 2013								December 31, 2012
	PCI loans		All other loans			Total			PCI loans		All other loans			Total
	(dollars in thousands)
Commercial:
Commercial and industrial	$	6,543	$	112,253		$	118,796		$	7,323	$	111,809		$	119,132
Commercial real estate (CRE) - owner-occupied		42,068		243,285			285,353			44,925		254,491			299,416
CRE - investor income producing		77,744		289,690			367,434			85,959		285,998			371,957
Acquisition, construction and development (AC&D)		36,308		104,561			140,869			39,541		101,120			140,661
Other commercial		9		4,885			4,894			742		4,886			5,628
Total commercial loans		162,672		754,674			917,346			178,490		758,304			936,794
Consumer:
Residential mortgage		39,100		141,268			180,368			40,483		148,049			188,532
Home equity lines of credit (HELOC)		1,955		154,847			156,802			1,949		161,676			163,625
Residential construction		10,596		44,609			55,205			11,265		41,547			52,812
Other loans to individuals		1,640		18,597			20,237			2,095		13,458			15,553
Total consumer loans		53,291		359,321			412,612			55,792		364,730			420,522
Total loans		215,963		1,113,995			1,329,958			234,282		1,123,034			1,357,316
Deferred fees		-		(209	)		(209	)		-		(609	)		(609	)
Total loans, net of deferred fees	$	215,963	$	1,113,786		$	1,329,749		$	234,282	$	1,122,425		$	1,356,707

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]

	Commercial and industrial			CRE - owner-occupied			CRE - investor income producing			AC&D			Other commercial			Residential mortgage			Home equity lines of credit			Residential construction			Other loans to individuals			Unallocated		Total
For the three months ended March 31, 2013							(dollars in thousands)
Allowance for Loan Losses:
Balance, beginning of period	$	849		$	496		$	1,102		$	4,157		$	8		$	454		$	1,463		$	1,046		$	49		$	-	$	9,624
Provision for loan losses		795			(219	)		255			(238	)		(9	)		(122	)		35			(649	)		25			-		(127	)
Charge-offs		(13	)		-			(253	)		-			-			(2	)		(82	)		-			(16	)		-		(366	)
Recoveries		45			45			131			299			7			19			24			53			8			-		631
Net recoveries		32			45			(122	)		299			7			17			(58	)		53			(8	)		-		265
Balance, end of period	$	1,676		$	322		$	1,235		$	4,218		$	6		$	349		$	1,440		$	450		$	66		$	-	$	9,762
PCI Impairment Allowance for Loan Losses:
Balance, beginning of period	$	225		$	-		$	-		$	542		$	-		$	200		$	-		$	-		$	-		$	-	$	967
PCI provision for loan losses		(225	)		-			16			(143	)		386			118			3			245			36			-		436
PCI impairment charge-off		-			-			(16	)		(14	)		(386	)		-			-			-			-			-		(416	)
Balance, end of period	$	-		$	-		$	-		$	385		$	-		$	318		$	3		$	245		$	36		$	-	$	987
Total Allowance for Loan Losses	$	1,676		$	322		$	1,235		$	4,603		$	6		$	667		$	1,443		$	695		$	102		$	-	$	10,749
For the three months ended March 31, 2012
Allowance for Loan Losses:
Balance, beginning of period	$	703		$	740		$	2,106		$	3,883		$	17		$	309		$	1,898		$	455		$	43		$	-	$	10,154
Provision for loan losses		427			18			(208	)		(408	)		88			(10	)		(35	)		117			(16	)		150		123
Charge-offs		(169	)		-			(54	)		(345	)		(94	)		-			(165	)		-			(1	)		-		(828	)
Recoveries		11			-			1			81			-			1			-			-			13			-		107
Net charge-offs		(158	)		-			(53	)		(264	)		(94	)		1			(165	)		-			12			-		(721	)
Balance, end of period	$	972		$	758		$	1,845		$	3,211		$	11		$	300		$	1,698		$	572		$	39		$	150	$	9,556

Past Due Financing Receivables [Table Text Block]

	30-59 Days Past Due		60-89 Days Past Due		Past Due 90 Days or More		PCI Loans		Current		Total Loans
As of March 31, 2013	(dollars in thousands)
Commercial:
Commercial and industrial	$	224	$	-	$	303	$	6,543	$	111,726	$	118,796
CRE - owner-occupied		-		-		330		42,068		242,955		285,353
CRE - investor income producing		67		8		232		77,744		289,383		367,434
AC&D		556		138		1,185		36,308		102,682		140,869
Other commercial		204		-		-		9		4,681		4,894
Total commercial loans		1,051		146		2,050		162,672		751,427		917,346
Consumer:
Residential mortgage		176		69		473		39,100		140,550		180,368
Home equity lines of credit		417		598		818		1,955		153,014		156,802
Residential construction		313		-		2		10,596		44,294		55,205
Other loans to individuals		3		18		2		1,640		18,574		20,237
Total consumer loans		909		685		1,295		53,291		356,432		412,612
Total loans	$	1,960	$	831	$	3,345	$	215,963	$	1,107,859	$	1,329,958
As of December 31, 2012
Commercial:
Commercial and industrial	$	1,316	$	83	$	230	$	7,323	$	110,180	$	119,132
CRE - owner-occupied		48		1,903		113		44,925		252,427		299,416
CRE - investor income producing		224		27		366		85,959		285,381		371,957
AC&D		-		699		1,428		39,541		98,993		140,661
Other commercial		-		-		168		742		4,718		5,628
Total commercial loans		1,588		2,712		2,305		178,490		751,699		936,794
Consumer:
Residential mortgage		18		196		499		40,483		147,336		188,532
Home equity lines of credit		590		-		1,094		1,949		159,992		163,625
Residential construction		-		-		71		11,265		41,476		52,812
Other loans to individuals		36		4		-		2,095		13,418		15,553
Total consumer loans		644		200		1,664		55,792		362,222		420,522
Total loans	$	2,232	$	2,912	$	3,969	$	234,282	$	1,113,921	$	1,357,316

	March 31, 2013						December 31, 2012
	Recorded Investment		Unpaid Principal Balance		Related Allowance For Loan Losses		Recorded Investment		Unpaid Principal Balance		Related Allowance For Loan Losses
	(dollars in thousands)
Impaired Loans with No Related Allowance Recorded:
Commercial:
Commercial and industrial	$	380	$	1,065	$	-	$	377	$	1,170	$	-
CRE - owner-occupied		2,322		3,654		-		2,337		2,675		-
CRE - investor income producing		268		4,111		-		4,243		4,424		-
AC&D		3,547		10,445		-		4,855		9,306		-
Other commercial		164		172		-		168		172		-
Total commercial loans		6,681		19,447		-		11,980		17,747		-
Consumer:
Residential mortgage		2,358		3,058		-		2,252		2,363		-
Home equity lines of credit		1,388		3,166		-		1,419		2,439		-
Residential construction		2		693		-		71		551		-
Other loans to individuals		68		103		-		73		75		-
Total consumer loans		3,816		7,020		-		3,815		5,428		-
Total impaired loans with no related allowance recorded	$	10,497	$	26,467	$	-	$	15,795	$	23,175	$	-
Impaired Loans with an Allowance Recorded:
Commercial:
Commercial and industrial	$	1,245	$	1,245	$	767	$	230	$	230	$	115
CRE - owner-occupied		-		-		-		-		-		-
CRE - investor income producing		3,610		3,610		190		-		-		-
AC&D		-		-		-		-		-		-
Other commercial		-		-		-		-		-		-
Total commercial loans		4,855		4,855		957		230		230		115
Consumer:
Residential mortgage		1,201		1,248		247		1,211		1,250		249
Home equity lines of credit		699		906		433		506		707		351
Residential construction		-		-		-		-		-		-
Other loans to individuals		-		-		-		-		-		-
Total consumer loans		1,900		2,154		680		1,717		1,957		600
Total impaired loans with an allowance recorded	$	6,755	$	7,009	$	1,637	$	1,947	$	2,187	$	715
Total Impaired Loans:
Commercial:
Commercial and industrial	$	1,625	$	2,310	$	767	$	607	$	1,400	$	115
CRE - owner-occupied		2,322		3,654		-		2,337		2,675		-
CRE - investor income producing		3,878		7,721		190		4,243		4,424		-
AC&D		3,547		10,445		-		4,855		9,306		-
Other commercial		164		172		-		168		172		-
Total commercial loans		11,536		24,302		957		12,210		17,977		115
Consumer:
Residential mortgage		3,559		4,306		247		3,463		3,613		249
Home equity lines of credit		2,087		4,072		433		1,925		3,146		351
Residential construction		2		693		-		71		551		-
Other loans to individuals		68		103		-		73		75		-
Total consumer loans		5,716		9,174		680		5,532		7,385		600
Total impaired loans	$	17,252	$	33,476	$	1,637	$	17,742	$	25,362	$	715

	Three Months Ended March 31,
	2013				2012
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
	(dollars in thousands)
Impaired Loans with No Related Allowance Recorded:
Commercial:
Commercial and industrial	$	536	$	-	$	639	$	-
CRE - owner-occupied		1,361		4		324		7
CRE - investor income producing		2,673		-		710		-
AC&D		6,726		18		8,954		21
Other commercial		131		-		-		-
Total commercial loans		11,427		22		10,627		28
Consumer:
Residential mortgage		1,341		18		409		-
Home equity lines of credit		1,034		-		503		-
Residential construction		78		-		94		-
Other loans to individuals		59		1		12		-
Total consumer loans		2,512		19		1,018		-
Total impaired loans with no related allowance recorded	$	13,939	$	41	$	11,645	$	28
Impaired Loans with an Allowance Recorded:
Commercial:
Commercial and industrial	$	436	$	-	$	130	$	-
CRE - owner-occupied		12		-		-		-
CRE - investor income producing		1,411		36		1,378		-
AC&D		609		-		1,593		-
Other commercial		-		-		-		-
Total commercial loans		2,468		36		3,101		-
Consumer:
Residential mortgage		1,134		9		-		9
Home equity lines of credit		431		-		319		-
Residential construction		-		-		-		-
Other loans to individuals		-		-		-		-
Total consumer loans		1,565		9		319		9
Total impaired loans with an allowance recorded	$	4,033	$	45	$	3,420	$	9
Total Impaired Loans:
Commercial:
Commercial and industrial	$	972	$	-	$	769	$	-
CRE - owner-occupied		1,373		4		324		7
CRE - investor income producing		4,084		36		2,088		-
AC&D		7,335		18		10,547		21
Other commercial		131		-		-		-
Total commercial loans		13,895		58		13,728		28
Consumer:
Residential mortgage		2,475		27		409		9
Home equity lines of credit		1,465		-		822		-
Residential construction		78		-		94		-
Other loans to individuals		59		1		12		-
Total consumer loans		4,077		28		1,337		9
Total impaired loans	$	17,972	$	86	$	15,065	$	37

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

	March 31,		December 31,
	2013		2012
	(dollars in thousands)
Commercial:
Commercial and industrial	$	1,600	$	607
CRE - owner-occupied		1,990		1,996
CRE - investor income producing		268		633
AC&D		2,578		3,872
Other commercial		164		168
Total commercial loans		6,600		7,276
Consumer:
Residential mortgage		1,051		1,096
Home equity lines of credit		2,070		1,925
Residential construction		2		71
Other loans to individuals		4		6
Total consumer loans		3,125		3,098
Total nonaccrual loans	$	9,725	$	10,374

	October 1, 2012
Contractual principal and interest at acquisition	$	294,283
Nonaccretable difference		(47,941	)
Expected cash flows at acquisition		246,342
Accretable yield		(37,724	)
Basis in PCI loans at acquisition - estimated fair value	$	208,618

	November 1, 2011
Contractual principal and interest at acquisition	$	146,843
Nonaccretable difference		(61,145	)
Expected cash flows at acquisition		85,698
Accretable yield		(14,424	)
Basis in PCI loans at acquisition - estimated fair value	$	71,274

Summary of Changes in Accretable Yield for Purchased Credit Impaired Loans [Table Text Block]

	Three Months Ended March 31,
	2013			2012
Accretable yield, beginning of period	$	42,734		$	14,264
Interest income		(3,575	)		(1,216	)
Reclassification of nonaccretable difference due to improvement in expected cash flows		4,693			-
Other changes, net		1,716			(270	)
Accretable yield, end of period	$	45,568		$	12,778

Additional Information Regarding Troubled Debt Restructurings [Table Text Block]

	Three months ended March 31, 2013
(dollars in thousands)	Number of loans		Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment
Below market interest rate
CRE - investor income producing		1	$	3,610	$	3,610
Residential mortgage		1		43		43
Total		2	$	3,653	$	3,653

Troubled Debt Restructuring Outcomes [Table Text Block]

	Twelve Months Ended March 31, 2013
	Paying as restructured				Nonaccrual				Foreclosure/Default
	Number of loans		Recorded Investment		Number of loans		Recorded Investment		Number of loans		Recorded Investment
Below market interest rate		2	$	3,653		-	$	-		-	$	-
Total		2	$	3,653		-	$	-		-	$	-

	Twelve Months Ended March 31, 2012
	Paying as restructured				Nonaccrual				Foreclosure/Default
	Number of loans		Recorded Investment		Number of loans		Recorded Investment		Number of loans		Recorded Investment
Below market interest rate		1	$	394		1	$	273		-	$	-
Extended payment terms		2		434		2		503		-		-
Forgiveness of principal		1		23		1		-		4		-
Total		4	$	851		4	$	776		4	$	-

Schedule of Related Party Transactions [Table Text Block]

	Three Months Ended
	March 31,
	2013			2012
Beginning balance	$	4,184		$	3,998
Disbursements		40			83
Repayments		(1,565	)		(110	)
Ending balance	$	2,659		$	3,971

Total Commercial [Member]

Financing Receivable Credit Quality Indicators [Table Text Block]

	As of March 31, 2013
(dollars in thousands)	Commercial and Industrial		CRE-Owner Occupied		CRE-Investor Income Producing		AC&D		Other Commercial		Total Commercial
Pass	$	115,632	$	279,777	$	356,707	$	130,541	$	4,729	$	887,386
Special mention		226		2,779		5,851		6,478		-		15,334
Classified		2,938		2,797		4,876		3,850		165		14,626
Total	$	118,796	$	285,353	$	367,434	$	140,869	$	4,894	$	917,346

	As of December 31, 2012
(dollars in thousands)	Commercial and Industrial		CRE-Owner Occupied		CRE-Investor Income Producing		AC&D		Other Commercial		Total Commercial
Pass	$	115,907	$	292,418	$	361,212	$	126,167	$	5,460	$	901,164
Special mention		173		3,804		5,564		9,252		-		18,793
Classified		3,052		3,194		5,181		5,242		168		16,837
Total	$	119,132	$	299,416	$	371,957	$	140,661	$	5,628	$	936,794

Total Consumer Loans [Member]

Financing Receivable Credit Quality Indicators [Table Text Block]

	Residential Mortgage		Home Equity Lines of Credit		Residential Construction		Other Loans to Individuals		Total Consumer
Pass	$	177,787	$	151,373	$	55,039	$	19,704	$	403,903
Special mention		837		1,235		-		353		2,425
Classified		1,744		4,194		166		180		6,284
Total	$	180,368	$	156,802	$	55,205	$	20,237	$	412,612
Total Loans									$	1,329,958

	Residential Mortgage		Home Equity Lines of Credit		Residential Construction		Other Loans to Individuals		Total Consumer
Pass	$	185,686	$	158,335	$	52,612	$	15,444	$	412,077
Special mention		1,115		2,599		-		78		3,792
Classified		1,731		2,691		200		31		4,653
Total	$	188,532	$	163,625	$	52,812	$	15,553	$	420,522
Total Loans									$	1,357,316

Disaggregated By Impairment Method [Member]

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]

	Commercial and industrial		CRE - owner-occupied		CRE - investor income producing		AC&D		Other commercial		Residential mortgage		Home equity lines of credit		Residential construction		Other loans to individuals		Total
At March 31, 2013					(dollars in thousands)
Allowance for Loan Losses:
Individually evaluated for impairment	$	767	$	-	$	190	$	-	$	-	$	247	$	433	$	-	$	-	$	1,637
Collectively evaluated for impairment		909		322		1,045		4,218		6		102		1,007		450		66		8,125
		1,676		322		1,235		4,218		6		349		1,440		450		66		9,762
Purchased credit-impaired		-		-		-		385		-		318		3		245		36		987
Total	$	1,676	$	322	$	1,235	$	4,603	$	6	$	667	$	1,443	$	695	$	102	$	10,749
Recorded Investment in Loans:
Individually evaluated for impairment	$	1,625	$	2,322	$	3,878	$	3,547	$	164	$	3,559	$	2,087	$	2	$	68	$	17,252
Collectively evaluated for impairment		110,628		240,963		285,812		101,014		4,721		137,709		152,760		44,607		18,529		1,096,743
		112,253		243,285		289,690		104,561		4,885		141,268		154,847		44,609		18,597		1,113,995
Purchased credit-impaired		6,543		42,068		77,744		36,308		9		39,100		1,955		10,596		1,640		215,963
Total	$	118,796	$	285,353	$	367,434	$	140,869	$	4,894	$	180,368	$	156,802	$	55,205	$	20,237	$	1,329,958
At December 31, 2012
Allowance for Loan Losses:
Individually evaluated for impairment	$	115	$	-	$	-	$	-	$	-	$	249	$	351	$	-	$	-	$	715
Collectively evaluated for impairment		734		496		1,102		4,157		8		205		1,112		1,046		49		8,909
		849		496		1,102		4,157		8		454		1,463		1,046		49		9,624
Purchased credit-impaired		225		-		-		542		-		200		-		-		-		967
Total	$	1,074	$	496	$	1,102	$	4,699	$	8	$	654	$	1,463	$	1,046	$	49	$	10,591
Recorded Investment in Loans:
Individually evaluated for impairment	$	607	$	2,337	$	4,243	$	4,855	$	168	$	3,463	$	1,925	$	71	$	73	$	17,742
Collectively evaluated for impairment		111,202		252,154		281,755		96,265		4,718		144,586		159,751		41,476		13,385		1,105,292
		111,809		254,491		285,998		101,120		4,886		148,049		161,676		41,547		13,458		1,123,034
Purchased credit-impaired		7,323		44,925		85,959		39,541		742		40,483		1,949		11,265		2,095		234,282
Total	$	119,132	$	299,416	$	371,957	$	140,661	$	5,628	$	188,532	$	163,625	$	52,812	$	15,553	$	1,357,316