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

3 Months Ended

Mar. 31, 2013

Schedule Of Loans Receivable [Table Text Block]

	At March 31, 2013
	Commercial			Commercial Real Estate			Construction			Residential Real Estate			Consumer Installment & Other			Total
	(In thousands)
Originated loans	$	318,502		$	625,185		$	7,920		$	213,919		$	447,870		$	1,613,396
Purchased covered loans:
Impaired		293			6,899			1,737			-			255			9,184
Non impaired		57,589			232,854			4,942			8,816			62,309			366,510
Purchase discount		(6,958	)		(13,600	)		(188	)		(434	)		(1,480	)		(22,660	)
Purchased non-covered loans:
Impaired		1,244			6,111			-			-			297			7,652
Non impaired		9,367			37,548			1,369			2,205			16,949			67,438
Purchase discount		(913	)		(1,750	)		(95	)		(262	)		(1,566	)		(4,586	)
Total	$	379,124		$	893,247		$	15,685		$	224,244		$	524,634		$	2,036,934

	At December 31, 2012
	Commercial			Commercial Real Estate			Construction			Residential Real Estate			Consumer Installment & Other			Total
	(In thousands)
Originated loans	$	340,116		$	632,927		$	7,984		$	222,458		$	460,698		$	1,664,183
Purchased covered loans:
Impaired		308			7,585			1,824			-			257			9,974
Non impaired		59,135			247,534			5,462			9,374			66,932			388,437
Purchase discount		(8,459	)		(15,140	)		(279	)		(433	)		(1,817	)		(26,128	)
Purchased non-covered loans:
Impaired		1,261			6,763			-			-			297			8,321
Non impaired		9,840			38,673			1,619			3,110			18,554			71,796
Purchase discount		(870	)		(1,748	)		(95	)		(474	)		(2,039	)		(5,226	)
Total	$	401,331		$	916,594		$	16,515		$	234,035		$	542,882		$	2,111,357

Impaired Purchased Loans Roll Forward [Table Text Block]

	For the Three Months Ended March 31, 2013			For the Year Ended December 31, 2012
Impaired purchased covered loans	(In thousands)
Carrying amount at the beginning of the period	$	7,865		$	18,591
Reductions during the period		(284	)		(10,726	)
Carrying amount at the end of the period	$	7,581		$	7,865

	For the Three Months Ended March 31, 2013			For the Year Ended December 31, 2012
Impaired purchased non-covered loans	(In thousands)
Carrying amount at the beginning of the period	$	6,764		$	15,572
Reductions during the period		(804	)		(8,808	)
Carrying amount at the end of the period	$	5,960		$	6,764

Accretable Yield Reconciliation Schedule [Table Text Block]

	For the Three Months Ended March 31, 2013			For the Year Ended December 31, 2012
Accretable yield:	(In thousands)
Balance at the beginning of the period	$	4,948		$	9,990
Reclassification from nonaccretable difference		8,154			12,121
Accretion		(3,641	)		(17,163	)
Disposals and other		-			-
Balance at the end of the period	$	9,461		$	4,948
Accretion	$	(3,641	)	$	(17,163	)
Reduction in FDIC indemnification asset		2,782			13,207
(Increase) in interest income	$	(859	)	$	(3,956	)

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

	Allowance for Credit Losses For the Three Months Ended March 31, 2013
	Commercial			Commercial Real Estate			Construction			Residential Real Estate			Consumer Installment and Other			Purchased Non-covered Loans		Purchased Covered Loans			Unallocated		Total
	(In thousands)
Allowance for loan losses:
Balance at beginning of period	$	6,445		$	10,063		$	484		$	380		$	3,194		$	-	$	1,005		$	8,663	$	30,234
Additions:
Provision		531			994			(4	)		246			281			-		87			665		2,800
Deductions:
Chargeoffs		(1,902	)		(113	)		-			(87	)		(1,308	)		-		(359	)		-		(3,769	)
Recoveries		462			21			-			-			601			-		5			-		1,089
Net loan losses		(1,440	)		(92	)		-			(87	)		(707	)		-		(354	)		-		(2,680	)
Balance at end of period		5,536			10,965			480			539			2,768			-		738			9,328		30,354
Liability for off-balance sheet credit exposure		1,663			3			-			-			453			-		-			574		2,693
Total allowance for credit losses	$	7,199		$	10,968		$	480		$	539		$	3,221		$	-	$	738		$	9,902	$	33,047

	Allowance for Credit Losses For the Three Months Ended March 31, 2012
	Commercial			Commercial Real Estate			Construction		Residential Real Estate			Consumer Installment and Other			Purchased Covered Loans			Unallocated			Total
	(In thousands)
Allowance for loan losses:
Balance at beginning of period	$	6,012		$	10,611		$	2,342	$	781		$	3,072		$	-		$	9,779		$	32,597
Additions:
Provision		1,275			1,764			411		734			627			490			(2,501	)		2,800
Deductions:
Chargeoffs		(862	)		(948	)		-		(870	)		(1,653	)		(365	)		-			(4,698	)
Recoveries		389			-			2		-			779			14			-			1,184
Net loan losses		(473	)		(948	)		2		(870	)		(874	)		(351	)		-			(3,514	)
Balance at end of period		6,814			11,427			2,755		645			2,825			139			7,278			31,883
Liability for off-balance sheet credit exposure		1,643			-			26		-			189			-			835			2,693
Total allowance for credit losses	$	8,457		$	11,427		$	2,781	$	645		$	3,014		$	139		$	8,113		$	34,576

Schedule Of Recorded Investment In Loans Evaluted For Impairment [Table Text Block]

	Recorded Investment in Loans Evaluated for Impairment At March 31, 2013
	Commercial		Commercial Real Estate		Construction		Residential Real Estate		Consumer Installment and Other		Purchased Non- covered Loans		Purchased Covered Loans		Unallocated		Total
	(In thousands)
Allowance for credit losses:
Individually evaluated for impairment	$	886	$	584	$	-	$	-	$	-	$	-	$	723	$	-	$	2,193
Collectively evaluated for impairment		6,313		10,384		480		539		3,221		-		15		9,902		30,854
Purchased loans with evidence of credit deterioration		-		-		-		-		-		-		-		-		-
Total	$	7,199	$	10,968	$	480	$	539	$	3,221	$	-	$	738	$	9,902	$	33,047
Carrying value of loans:
Individually evaluated for impairment	$	2,171	$	3,319	$	-	$	-	$	-	$	5,196	$	16,086	$	-	$	26,772
Collectively evaluated for impairment		316,331		621,866		7,920		213,919		447,870		59,348		329,367		-		1,996,621
Purchased loans with evidence of credit deterioration		-		-		-		-		-		5,960		7,581		-		13,541
Total	$	318,502	$	625,185	$	7,920	$	213,919	$	447,870	$	70,504	$	353,034	$	-	$	2,036,934

	Recorded Investment in Loans Evaluated for Impairment At December 31, 2012
	Commercial		Commercial Real Estate		Construction		Residential Real Estate		Consumer Installment and Other		Purchased Non- covered Loans		Purchased Covered Loans		Unallocated		Total
	(In thousands)
Allowance for credit losses:
Individually evaluated for impairment	$	1,865	$	134	$	-	$	-	$	-	$	-	$	753	$	-	$	2,752
Collectively evaluated for impairment		6,314		9,938		484		380		3,613		-		252		9,194		30,175
Purchased loans with evidence of credit deterioration		-		-		-		-		-		-		-		-		-
Total	$	8,179	$	10,072	$	484	$	380	$	3,613	$	-	$	1,005	$	9,194	$	32,927
Carrying value of loans:
Individually evaluated for impairment	$	5,153	$	4,161	$	-	$	-	$	-	$	3,029	$	16,680	$	-	$	29,023
Collectively evaluated for impairment		334,963		628,766		7,984		222,458		460,698		65,098		347,738		-		2,067,705
Purchased loans with evidence of credit deterioration		-		-		-		-		-		6,764		7,865		-		14,629
Total	$	340,116	$	632,927	$	7,984	$	222,458	$	460,698	$	74,891	$	372,283	$	-	$	2,111,357

Financing Receivable Credit Quality Indicators [Table Text Block]

	Credit Risk Profile by Internally Assigned Grade At March 31, 2013
	Commercial		Commercial Real Estate		Construction		Residential Real Estate		Consumer Installment and Other		Purchased Non- covered Loans			Purchased Covered Loans (1)			Total
	(In thousands)
Grade:
Pass	$	305,285	$	590,834	$	7,457	$	211,445	$	446,365	$	48,379		$	253,854		$	1,863,619
Substandard		10,798		34,351		463		2,474		1,224		25,172			121,300			195,782
Doubtful		2,419		-		-		-		31		1,539			455			4,444
Loss		-		-		-		-		250		-			85			335
Default risk purchase discount		-		-		-		-		-		(4,586	)		(22,660	)		(27,246	)
Total	$	318,502	$	625,185	$	7,920	$	213,919	$	447,870	$	70,504		$	353,034		$	2,036,934

	Credit Risk Profile by Internally Assigned Grade At December 31, 2012
	Commercial		Commercial Real Estate		Construction		Residential Real  Estate		Consumer  Installment and Other		Purchased Non- covered Loans			Purchased  Covered  Loans (1)			Total
	(In thousands)
Grade:
Pass	$	324,452	$	599,472	$	7,518	$	219,655	$	459,076	$	51,901		$	274,976		$	1,937,050
Substandard		11,413		33,455		466		2,803		1,158		27,066			122,815			199,176
Doubtful		4,251		-		-		-		46		1,145			470			5,912
Loss		-		-		-		-		418		5			150			573
Default risk purchase discount		-		-		-		-		-		(5,226	)		(26,128	)		(31,354	)
Total	$	340,116	$	632,927	$	7,984	$	222,458	$	460,698	$	74,891		$	372,283		$	2,111,357

Past Due Financing Receivables [Table Text Block]

	Summary of Loans by Delinquency and Nonaccrual Status At March 31, 2013
	Current and Accruing		30-89 Days Past Due and Accruing		Past Due 90 days or More and Accruing		Nonaccrual		Total Loans
	(In thousands)
Commercial	$	313,381	$	2,493	$	-	$	2,628	$	318,502
Commercial real estate		613,517		6,427		-		5,241		625,185
Construction		7,920		-		-		-		7,920
Residential real estate		213,353		333		-		233		213,919
Consumer installment & other		444,284		3,224		305		57		447,870
Total originated loans		1,592,455		12,477		305		8,159		1,613,396
Purchased non-covered loans		60,242		1,150		-		9,112		70,504
Purchased covered loans		330,958		10,111		88		11,877		353,034
Total	$	1,983,655	$	23,738	$	393	$	29,148	$	2,036,934

	Summary of Loans by Delinquency and Nonaccrual Status At December 31, 2012
	Current and Accruing		30-89 Days Past Due and Accruing		Past Due 90 days or More and Accruing		Nonaccrual		Total Loans
	(In thousands)
Commercial	$	333,474	$	1,032	$	-	$	5,610	$	340,116
Commercial real estate		616,276		10,750		-		5,901		632,927
Construction		7,984		-		-		-		7,984
Residential real estate		220,032		2,193		-		233		222,458
Consumer installment & other		455,007		5,205		455		31		460,698
Total originated loans		1,632,773		19,180		455		11,775		1,664,183
Purchased non-covered loans		65,567		1,821		4		7,499		74,891
Purchased covered loans		352,619		6,488		155		13,021		372,283
Total	$	2,050,959	$	27,489	$	614	$	32,295	$	2,111,357

Effect Of Nonaccrual Loans On Interest Income [Table Text Block]

	For the Three Months Ended March 31,
	2013			2012
	(In thousands)
Interest income that would have been recognized had the loans performed in accordance with their original terms	$	753		$	1,064
Less: Interest income recognized on nonaccrual loans		(375	)		(842	)
Total (addition) reduction of interest income	$	378		$	222

Impaired Financing Receivables [Table Text Block]

	Impaired Loans At March 31, 2013
	Recorded Investment		Unpaid Principal Balance		Related Allowance
	(In thousands)
Impaired loans with no related allowance recorded:
Commercial	$	2,277	$	8,187	$	-
Commercial real estate		26,155		30,081		-
Construction		1,859		2,355		-
Residential real estate		701		702		-
Consumer installment and other		1,597		2,402		-
Impaired loans with an allowance recorded:
Commercial		9,952		11,582		1,609
Commercial real estate		2,686		2,686		584
Total:
Commercial	$	12,229	$	19,769	$	1,609
Commercial real estate		28,841		32,767		584
Construction		1,859		2,355		-
Residential real estate		701		702		-
Consumer installment and other		1,597		2,402		-

	Impaired Loans At December 31, 2012
	Recorded Investment		Unpaid Principal Balance		Related Allowance
	(In thousands)
Impaired loans with no related allowance recorded:
Commercial	$	3,100	$	9,506	$	-
Commercial real estate		24,135		27,972		-
Construction		2,363		2,992		-
Residential real estate		668		668		-
Consumer installment and other		2,328		2,616		-
Impaired loans with an allowance recorded:
Commercial		12,129		13,739		2,588
Commercial real estate		4,038		4,038		164
Total:
Commercial	$	15,229	$	23,245	$	2,588
Commercial real estate		28,173		32,010		164
Construction		2,363		2,992		-
Residential real estate		668		668		-
Consumer installment and other		2,328		2,616		-

Impaired Financing Receivables, Supplemental Schedule [Table Text Block]

	Impaired Loans For the Three Months Ended March 31,
	2013				2012
	Average Recorded Investment		Recognized Interest Income		Average Recorded Investment		Recognized Interest Income
	(In thousands)
Commercial	$	13,729	$	54	$	6,576	$	50
Commercial real estate		28,507		300		32,119		378
Construction		2,111		26		6,461		100
Residential real estate		685		-		311		-
Consumer installment and other		1,963		7		2,894		18
Total	$	46,995	$	387	$	48,361	$	546

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Troubled Debt Restructurings At March 31, 2013
	Number of Contracts		Pre-Modification Carrying Value		Period-End Carrying Value		Period-End Individual Impairment Allowance
	(In thousands)
Commercial		3	$	1,318	$	1,172	$	786
Commercial real estate		3		7,383		7,535		-
Total		6	$	8,701	$	8,707	$	786

	Troubled Debt Restructurings At December 31, 2012
	Number of Contracts		Pre-Modification Carrying Value		Period-End Carrying Value		Period-End Individual Impairment Allowance
	(In thousands)
Commercial		3	$	1,318	$	1,196	$	797
Commercial real estate		2		5,391		5,482		-
Total		5	$	6,709	$	6,678	$	797