Note 4 - Loans (Tables)

6 Months Ended

Jun. 30, 2014

Receivables [Abstract]

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

(Dollars in thousands)	June 30, 2014			December 31, 2013
Real estate – residential mortgage	$	180,514		$	188,455
Real estate – construction 1		7,580			5,810
Commercial, financial and agricultural 2		295,545			288,593
Equity lines		50,577			50,795
Consumer		8,239			9,007
Consumer finance		283,973			277,724
		826,428			820,384
Less allowance for loan losses		(35,258	)		(34,852	)
Loans, net	$	791,170		$	785,532

Schedule of Acquired Loans [Table Text Block]

	June 30, 2014						December 31, 2013
(Dollars in thousands)	Acquired Loans -Purchased Credit Impaired (PCI)		Acquired Loans -Purchased Performing		Acquired Loans - Total		Acquired Loans -Purchased Credit Impaired		Acquired Loans -Purchased Performing		Acquired Loans - Total
Outstanding principal balance	$	42,616	$	98,071	$	140,687	$	49,041	$	110,977	$	160,018
Carrying amount
Real estate – residential mortgage	$	2,078	$	20,135	$	22,213	$	2,694	$	29,285	$	31,979
Real estate – construction1		401		191		592		771		917		1,688
Commercial, financial and agricultural2		24,619		54,421		79,040		28,602		55,204		83,806
Equity lines		334		16,403		16,737		332		16,909		17,241
Consumer		24		1,438		1,462		121		2,156		2,277
Total acquired loans	$	27,456	$	92,588	$	120,044	$	32,520	$	104,471	$	136,991

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

(Dollars in thousands)	June 30, 2014		December 31, 2013
Real estate – residential mortgage	$	2,153	$	1,996
Commercial, financial and agricultural:
Commercial real estate lending		1,702		1,486
Land acquisition and development lending		—		—
Builder line lending		—		13
Commercial business lending		374		374
Equity lines		209		291
Consumer		232		231
Consumer finance		646		1,187
Total loans on nonaccrual status	$	5,316	$	5,578

Past Due Financing Receivables [Table Text Block]

(Dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		90+ Days Past Due		Total Past Due		Current 1		Total Loans		90+ Days Past Due and Accruing
Real estate – residential mortgage	$	1,038	$	919	$	1,482	$	3,439	$	177,075	$	180,514	$	72
Real estate – construction:
Construction lending		—		—		—		—		4,408		4,408		—
Consumer lot lending		—		—		—		—		3,172		3,172		—
Commercial, financial and agricultural:
Commercial real estate lending		904		103		942		1,949		184,268		186,217		178
Land acquisition and development lending		—		—		2,936		2,936		30,710		33,646		—
Builder line lending		—		—		—		—		18,132		18,132		—
Commercial business lending		364		11		342		717		56,833		57,550		—
Equity lines		349		17		35		401		50,176		50,577		—
Consumer		35		32		194		261		7,978		8,239		—
Consumer finance		9,670		2,491		646		12,807		271,166		283,973		—
Total	$	12,360	$	3,573	$	6,577	$	22,510	$	803,918	$	826,428	$	250

(Dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		90+ Days Past Due		Total Past Due		Current1		Total Loans		90+ Days Past Due and Accruing
Real estate – residential mortgage	$	1,547	$	952	$	1,547	$	4,046	$	184,409	$	188,455	$	—
Real estate – construction:
Construction lending		—		—		—		—		3,728		3,728		—
Consumer lot lending		—		—		—		—		2,082		2,082		—
Commercial, financial and agricultural:
Commercial real estate lending		5,567		228		72		5,867		162,255		168,122		72
Land acquisition and development lending		—		—		272		272		25,368		25,640		—
Builder line lending		—		—		—		—		13,426		13,426		—
Commercial business lending		306		368		2,033		2,707		78,698		81,405		—
Equity lines		264		45		173		482		50,313		50,795		—
Consumer		54		46		195		295		8,712		9,007		3
Consumer finance		14,174		2,998		1,187		18,359		259,365		277,724		—
Total	$	21,912	$	4,637	$	5,479	$	32,028	$	788,356	$	820,384	$	75

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Three Months Ended June 30,
	2014				2013
(Dollars in thousands)	Number of Loans		Post-Modification Recorded Investment		Number of Loans		Post-Modification Recorded Investment
Real estate - residential mortgage - interest rate concession		1	$	328		1	$	89
Commercial, financial and agricultural:
Commercial real estate lending - interest rate concession		—		—		1		473
Builder line lending - interest rate concession		—		—		1		17
Total		1	$	328		3	$	579

	Six Months Ended June 30,
	2014				2013
(Dollars in thousands)	Number of Loans		Post-Modification Recorded Investment		Number of Loans		Post-Modification Recorded Investment
Real estate - residential mortgage - interest rate concession		1	$	328		1	$	89
Commercial, financial and agricultural:
Commercial real estate lending - interest rate concession		—		—		2		479
Builder line lending - interest rate concession		—		—		1		17
Total		1	$	328		4	$	585

Impaired Financing Receivables [Table Text Block]

(Dollars in thousands)	Recorded Investment in Loans		Unpaid Principal Balance		Related Allowance		Average Balance-Impaired Loans		Interest Income Recognized
Real estate – residential mortgage	$	2,348	$	2,460	$	430	$	2,374	$	57
Commercial, financial and agricultural:
Commercial real estate lending		2,711		2,851		416		2,776		65
Builder line lending		—		—		—		—		—
Commercial business lending		489		489		129		492		5
Equity lines		30		32		1		32		—
Consumer		93		93		14		93		2
Total	$	5,671	$	5,925	$	990	$	5,767	$	129

(Dollars in thousands)	Recorded Investment in Loans		Unpaid Principal Balance		Related Allowance		Average Balance-Impaired Loans		Interest Income Recognized
Real estate – residential mortgage	$	2,601	$	2,694	$	390	$	2,090	$	99
Commercial, financial and agricultural:
Commercial real estate lending		2,729		2,780		504		2,748		99
Builder line lending		13		16		4		14		1
Commercial business lending		695		756		131		562		11
Equity lines		131		132		—		33		—
Consumer		93		93		14		95		9
Total	$	6,262	$	6,471	$	1,043	$	5,542	$	219

Fair Value, Acquired Impaired Loan Portfolio [Table Text Block]

(Dollars in thousands)	October 1, 2013
Contractual principal and interest due	$	70,390
Nonaccretable difference		(26,621	)
Expected cash flows		43,769
Accretable yield		(8,454	)
Purchase credit impaired loans - estimated fair value	$	35,315

Schedule for the Change in Accretable Yield [Table Text Block]

(Dollars in thousands)	Accretable Yield
Accretable yield, December 31, 2013	$	7,776
Accretion		(1,529	)
Reclassification of nonaccretable difference due to improvement in expected cash flows		1,820
Changes in expected cash flows 1		7,056
Accretable yield, June 30, 2014	$	15,123