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Note 7 - Loans and Allowance for Loan Losses (Tables)
 6 Months Ended
Jun. 30, 2012
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
(In thousands)  
June 30,
2012
   
December 31,
 2011
 
             
Real Estate:
           
Real estate – construction and land development
  $ 116,401     $ 119,989  
Real estate mortgage – residential
    430,651       445,464  
Real estate mortgage – farmland and other commercial enterprises
    380,842       384,331  
Commercial:
               
Commercial and industrial
    47,696       48,771  
States and political subdivisions
    22,779       23,601  
Lease financing
    4,682       7,578  
Other
    18,607       21,435  
Consumer:
               
Secured
    11,840       14,214  
Unsecured
    7,156       7,151  
Total loans
    1,040,654       1,072,534  
Less unearned income
    (215 )     (426 )
Total loans, net of unearned income 
  $ 1,040,439     $ 1,072,108  
Allowance for Credit Losses on Financing Receivables [Table Text Block]
(In thousands)
 
Real Estate
   
Commercial
   
Consumer
   
Total
 
Three months ended June 30, 2012
                       
Balance, beginning of period
  $ 23,990     $ 2,238     $ 825     $ 27,053  
Provision for loan losses
    1,437       (85 )     (11 )     1,341   
Recoveries
    75       22       56       153  
Loans charged off
    (1,281 )     (38 )     (115 )     (1,434 )
Balance, end of period
  $ 24,221     $ 2,137     $ 755     $ 27,113  
                                 
Six months ended June 30, 2012
                               
Balance, beginning of period
  $ 23,538     $ 3,508     $ 1,218     $ 28,264  
Provision for loan losses
    4,030       (1,381 )     (331 )     2,318  
Recoveries
    202       121       112       435  
Loans charged off
    (3,549 )     (111 )     (244 )     (3,904 )
Balance, end of period
  $ 24,221     $ 2,137     $ 755     $ 27,113  
 (In thousands)
 
Real Estate
   
Commercial
   
Consumer
   
Total
 
Three months ended June 30, 2011
                       
Balance, beginning of period
  $ 24,609     $ 3,454     $ 959     $ 29,022  
Provision for loan losses
    4,438       31       59       4,528  
Recoveries
    15       41       68       124  
Loans charged off
    (3,630 )     (157 )     (149 )     (3,936 )
Balance, end of period
  $ 25,432     $ 3,369     $ 937     $ 29,738  
                                 
Six months ended June 30, 2011
                               
Balance, beginning of period
  $ 24,527     $ 3,260     $ 997     $ 28,784  
Provision for loan losses
    6,625       258       86       6,969  
Recoveries
    83       80       127       290  
Loans charged off
    (5,803 )     (229 )     (273 )     (6,305 )
Balance, end of period
  $ 25,432     $ 3,369     $ 937     $ 29,738  
Impaired Financing Receivables [Table Text Block]
June 30, 2012 (In thousands)
 
Recorded
Investment
   
Unpaid
Principal
Balance
   
Allowance for
Loan Losses
Allocated
 
Impaired loans with no related allowance recorded:
                 
Real Estate
                 
Real estate – construction and land development
  $ 23,228     $ 33,318        
Real estate mortgage – residential
    7,348       7,976        
Real estate mortgage – farmland and other commercial enterprises
    16,598       18,537        
Total
  $ 47,174     $ 59,831        
                       
Impaired loans with an allowance recorded:
                     
Real Estate
                     
Real estate – construction and land development
  $ 11,026     $ 11,157     $ 636  
Real estate mortgage – residential
    13,898       13,864       1,827  
Real estate mortgage – farmland and other commercial enterprises
    19,945       19,815       2,034  
Commercial
                       
Commercial and industrial
    250       250       233  
Consumer
                       
Secured
    68       68       47  
Unsecured
    183       183       70  
Total
  $ 45,370     $ 45,337     $ 4,847  
December 31, 2011 (In thousands)
 
Recorded
Investment
   
Unpaid
Principal
Balance
   
Allowance for
Loan Losses
Allocated
 
Impaired loans with no related allowance recorded:
                 
Real Estate
                 
Real estate – construction and land development
  $ 26,363     $ 26,337        
Real estate mortgage – residential
    22,923       22,843        
Real estate mortgage – farmland and other commercial enterprises
    43,765       43,438        
Commercial
                     
Commercial and industrial
    2,982       2,939        
Consumer
                     
Unsecured
    19       18        
Total
  $ 96,052     $ 95,575        
                       
Impaired loans with an allowance recorded:
                     
Real Estate
                     
Real estate – construction and land development
  $ 13,440     $ 13,425     $ 139  
Real estate mortgage – residential
    13,239       13,197       998  
Real estate mortgage – farmland and other commercial enterprises
    15,070       15,035       600  
Commercial
                       
Commercial and industrial
    456       453       159  
Consumer
                       
Secured
    60       58       30  
Total
  $ 42,265     $ 42,168     $ 1,926  
Additional Information Regarding Impaired Loans [Table Text Block]
   
Three Months Ended
June 30,
   
Six Months Ended
June 30,
 
(In thousands)
 
2012
   
2011
   
2012
   
2011
 
Average of individually impaired loans:
                       
Real Estate
                       
Real estate – construction and land development
  $ 41,044     $ 54,107     $ 38,297     $ 56,041  
Real estate mortgage – residential
    21,571       40,513       22,852       35,914  
Real estate mortgage – farmland and other commercial enterprises
    40,761       62,088       40,934       67,566  
Commercial
                               
Commercial and industrial
    301       4,553       533       4,434  
Consumer
                               
Secured
    70       112       88       74  
Unsecured
    186       -       189       -  
Total average of impaired loans
  $ 103,933     $ 161,373     $ 102,893     $ 164,029  
                                 
Interest income recognized during impairment:
                               
Real Estate
                               
Real estate – construction and land development
  $ 128     $ 265     $ 236     $ 536  
Real estate mortgage – residential
    159       469       401       851  
Real estate mortgage – farmland and other commercial enterprises
    498       657       1,001       1,478  
Commercial
                               
Commercial and industrial
    -       58       14       108  
Consumer
                               
Secured
    -       -       5       3  
Unsecured
    1       -       5       -  
Total interest income recognized during impairment
  $ 786     $ 1,449     $ 1,662     $ 2,976  
                                 
Cash-basis interest income recognized:
                               
Real Estate
                               
Real estate – construction and land development
  $ 126     $ 169     $ 225     $ 406  
Real estate mortgage – residential
    166       454       398       814  
Real estate mortgage – farmland and other commercial enterprises
    469       656       828       1,375  
Commercial
                               
Commercial and industrial
    -       52       14       102  
Consumer
                               
Secured
    -       -       5       2  
Unsecured
    1       -       5       -  
Total cash-basis interest income recognized
  $ 762     $ 1,331     $ 1,475     $ 2,699  
Loans and ALL Disaggregated Impairment Method [Table Text Block]
June 30, 2012 (In thousands)
 
Real Estate
   
Commercial
   
Consumer
   
Total
 
Allowance for Loan Losses
                       
Ending allowance balance attributable to loans:
                       
Individually evaluated for impairment
  $ 4,497     $ 233     $ 117     $ 4,847  
Collectively evaluated for impairment
    19,724       1,904       638       22,266  
Total ending allowance balance
  $ 24,221     $ 2,137     $ 755     $ 27,113  
                                 
Loans
                               
Loans individually evaluated for impairment
  $ 92,043     $ 250     $ 251     $ 92,544  
Loans collectively evaluated for impairment
    835,851       93,299       18,745       947,895  
Total ending loan balance, net of unearned income
  $ 927,894     $ 93,549     $ 18,996     $ 1,040,439  
December 31, 2011 (In thousands)
 
Real Estate
   
Commercial
   
Consumer
   
Total
 
Allowance for Loan Losses
                       
Ending allowance balance attributable to loans:
                       
Individually evaluated for impairment
  $ 1,737     $ 159     $ 30     $ 1,926  
Collectively evaluated for impairment
    21,801       3,349       1,188       26,338  
Total ending allowance balance
  $ 23,538     $ 3,508     $ 1,218     $ 28,264  
                                 
Loans
                               
Loans individually evaluated for impairment
  $ 134,800     $ 3,438     $ 79     $ 138,317  
Loans collectively evaluated for impairment
    814,984       97,521       21,286       933,791  
Total ending loan balance, net of unearned income
  $ 949,784     $ 100,959     $ 21,365     $ 1,072,108  
Non-performing Loans Including TDR's [Table Text Block]
 
June 30, 2012 (In thousands)
 
Nonaccrual
   
Restructured Loans
   
Loans Past
Due 90 Days
or More and
Still Accruing
 
Real Estate:
                 
Real estate – construction and land development
  $ 23,966     $ 6,143     $ -  
Real estate mortgage – residential
    12,428       3,468       28  
Real estate mortgage – farmland and other commercial enterprises
    17,444       7,929       -  
Commercial:
                       
Commercial and industrial
    554       -       -  
Lease financing
    161       -       -  
Consumer:
                       
Secured
    44       -       -  
Unsecured
    1       -       1  
Total
  $ 54,598     $ 17,540     $ 29  
 
December 31, 2011 (In thousands)
 
Nonaccrual
   
Restructured Loans
   
Loans Past
Due 90 Days
or More and
Still Accruing
 
Real Estate:
                 
Real estate – construction and land development
  $ 30,744     $ 6,207     $ -  
Real estate mortgage – residential
    14,578       4,894       -  
Real estate mortgage – farmland and other commercial enterprises
    13,831       8,024       -  
Commercial:
                       
Commercial and industrial
    386       -       -  
Lease financing
    124       -       -  
Consumer:
                       
Secured
    80       -       -  
Unsecured
    12       -       1  
Total
  $ 59,755     $ 19,125     $ 1  
Past Due Financing Receivables [Table Text Block]
June 30, 2012 (In thousands)
 
30-89
Days Past
Due
   
90 Days
or More
Past Due
   
Total
   
Current
   
Total Loans
 
Real Estate:
                             
Real estate – construction and land development
  $ -     $ 17,365     $ 17,365     $ 99,036     $ 116,401  
Real estate mortgage – residential
    2,526       7,578       10,104       420,547       430,651  
Real estate mortgage – farmland and other commercial enterprises
    11,698       12,955       24,653       356,189       380,842  
Commercial:
                                       
Commercial and industrial
    212       475       687       47,009       47,696  
States and political subdivisions
    -       -       -       22,779       22,779  
Lease financing, net
    8       161       169       4,298       4,467  
Other
    40       -       40       18,567       18,607  
Consumer:
                                       
Secured
    81       8       89       11,751       11,840  
Unsecured
    29       3       32       7,124       7,156  
Total
  $ 14,594     $ 38,545     $ 53,139     $ 987,300     $ 1,040,439  
December 31, 2011 (In thousands)
 
30-89
Days Past
Due
   
90 Days
 or More
Past Due
   
Total
   
Current
   
Total Loans
 
Real Estate:
                             
Real estate – construction and land development
  $ 3,343     $ 18,970     $ 22,313     $ 97,676     $ 119,989  
Real estate mortgage – residential
    5,836       7,352       13,188       432,276       445,464  
Real estate mortgage – farmland and other commercial enterprises
    1,684       12,497       14,181       370,150       384,331  
Commercial:
                                       
Commercial and industrial
    98       300       398       48,373       48,771  
States and political subdivisions
    -       -       -       23,601       23,601  
Lease financing, net
    80       96       176       6,976       7,152  
Other
    29       -       29       21,406       21,435  
Consumer:
                                       
Secured
    200       17       217       13,997       14,214  
Unsecured
    61       5       66       7,085       7,151  
Total
  $ 11,331     $ 39,237     $ 50,568     $ 1,021,540     $ 1,072,108  
Financing Receivable Credit Quality Indicators [Table Text Block]
   
Real Estate
   
Commercial
 
June 30, 2012
(In thousands)
 
Real Estate-Construction
and Land Development
   
Real Estate
Mortgage-
Residential
   
Real Estate
Mortgage-
Farmland
and Other
Commercial Enterprises
   
Commercial and Industrial
   
States and
Political
Subdivisions
   
Lease
Financing
   
Other
 
Credit risk profile by internally assigned rating grades:
                                     
Pass
  $ 68,258     $ 379,228     $ 300,697     $ 40,832     $ 22,779     $ 4,306     $ 17,529  
Special Mention
    6,802       18,671       28,905       5,866       -       -       1,067  
Substandard
    41,341       31,821       49,318       998       -       161       11  
Doubtful
    -       931       1,922       -       -       -       -  
Total
  $ 116,401     $ 430,651     $ 380,842     $ 47,696     $ 22,779     $ 4,467     $ 18,607  
   
Real Estate
   
Commercial
 
December 31, 2011
(In thousands)
 
Real Estate-Construction
and Land Development
   
Real Estate
Mortgage-
Residential
   
Real Estate
Mortgage-
Farmland
and Other
Commercial Enterprises
   
Commercial and Industrial
   
States and
Political
Subdivisions
   
Lease
Financing
   
Other
 
Credit risk profile by internally assigned rating grades:
                                     
Pass
  $ 65,306     $ 386,134     $ 303,512     $ 41,556     $ 23,601     $ 7,022     $ 20,415  
Special Mention
    7,443       16,585       19,393       2,969       -       6       1,000  
Substandard
    47,091       41,468       59,395       4,103       -       124       20  
Doubtful
    149       1,277       2,031       143       -       -       -  
Total
  $ 119,989     $ 445,464     $ 384,331     $ 48,771     $ 23,601     $ 7,152     $ 21,435  
Credit Quality Consumer Loans [Table Text Block]
   
June 30, 2012
   
December 31, 2011
 
     Consumer      Consumer  
(In thousands)
 
Secured
   
Unsecured
   
Secured
   
Unsecured
 
Credit risk profile based on payment activity:
                       
Performing
  $ 11,796     $ 7,154     $ 14,134     $ 7,138  
Nonperforming
    44       2       80       13  
Total
  $ 11,840     $ 7,156     $ 14,214     $ 7,151