Loans - (Tables)

12 Months Ended

Dec. 31, 2015

Receivables [Abstract]

Loan Portfolio Composition Including Carrying Value by Segment of Loans Accounted for under ASC Topic 310-30 and Loans Covered by the FDIC Loss Sharing Agreements

The carrying value of loans are net of discounts on loans excluded from ASC 310-30, and fees and costs of $8.1 million and $10.5 million as of December 31, 2015 and 2014, respectively:

	December 31, 2015
	ASC 310-30 loans		Non 310-30 loans		Total loans		% of total
Commercial	$	13,007	$	1,039,769	$	1,052,776	40.7	%
Agriculture		16,752		145,558		162,310	6.3
Commercial real estate		148,888		506,331		655,219	25.3
Residential real estate		21,452		662,550		684,002	26.4
Consumer		2,731		30,635		33,366	1.3
Total	$	202,830	$	2,384,843	$	2,587,673	100.0	%

	December 31, 2014
	ASC 310-30 loans		Non 310-30 loans		Total loans		% of total
Commercial	$	22,956	$	772,440	$	795,396	36.8	%
Agriculture		19,063		118,468		137,531	6.4
Commercial real estate		192,330		369,264		561,594	26.0
Residential real estate		40,761		591,939		632,700	29.2
Consumer		4,535		30,653		35,188	1.6
Total	$	279,645	$	1,882,764	$	2,162,409	100.0	%

Past Due Financing Receivables

Loan delinquency for all loans is shown in the following tables at December 31, 2015 and 2014:

	Total Loans December 31, 2015
					Greater								Loans > 90
	30-59		60-89		than 90								days past
	days  past		days past		days past		Total  past				Total		due and		Non-
	due		due		due		due		Current		loans		still accruing		accrual
Loans excluded from ASC 310-30
Commercial	$	2,275	$	6,019	$	49	$	8,343	$	1,031,426	$	1,039,769	$	—	$	16,838
Agriculture		441		58		1,222		1,721		143,837		145,558		—		1,984
Commercial real estate
Construction		359		188		—		547		29,596		30,143		—		188
Acquisition/development		—		—		—		—		5,575		5,575		—		—
Multifamily		—		38		22		60		9,813		9,873		—		22
Owner-occupied		370		111		66		547		184,072		184,619		—		1,273
Non owner-occupied		2,340		182		968		3,490		272,631		276,121		—		1,013
Total commercial real estate		3,069		519		1,056		4,644		501,687		506,331		—		2,496
Residential real estate
Senior lien		1,909		911		1,481		4,301		610,192		614,493		124		3,713
Junior lien		299		237		194		730		47,327		48,057		6		584
Total residential real estate		2,208		1,148		1,675		5,031		657,519		662,550		130		4,297
Consumer		239		26		38		303		30,332		30,635		36		32
Total loans excluded from ASC 310-30	$	8,232	$	7,770	$	4,040	$	20,042	$	2,364,801	$	2,384,843	$	166	$	25,647
Loans accounted for under ASC 310-30
Commercial	$	1,187	$	—	$	217	$	1,404	$	11,603	$	13,007	$	217	$	—
Agriculture		—		—		511		511		16,241		16,752		511		—
Commercial real estate		1,235		936		14,932		17,103		131,785		148,888		14,931		—
Residential real estate		411		104		97		612		20,840		21,452		97		—
Consumer		19		49		5		73		2,658		2,731		5		—
Total loans accounted for under ASC 310-30	$	2,852	$	1,089	$	15,762	$	19,703	$	183,127	$	202,830	$	15,761	$	—
Total loans	$	11,084	$	8,859	$	19,802	$	39,745	$	2,547,928	$	2,587,673	$	15,927	$	25,647

	Total Loans December 31, 2014
					Greater								Loans > 90
	30-59		60-89		than 90								days past
	days past		days past		days past		Total  past				Total		due and		Non-
	due		due		due		due		Current		loans		still accruing		accrual
Loans excluded from ASC 310-30
Commercial	$	83	$	97	$	318	$	498	$	771,942	$	772,440	$	215	$	4,215
Agriculture		47		—		10		57		118,411		118,468		10		495
Commercial real estate
Construction		—		—		—		—		11,748		11,748		—		—
Acquisition/development		41		—		—		41		4,532		4,573		—		—
Multifamily		—		—		—		—		10,856		10,856		(1)		—
Owner-occupied		336		78		101		515		119,710		120,225		—		843
Non owner-occupied		158		—		222		380		221,482		221,862		—		222
Total commercial real estate		535		78		323		936		368,328		369,264		(1)		1,065
Residential real estate
Senior lien		378		1,403		732		2,513		537,022		539,535		—		4,335
Junior lien		133		1		101		235		52,169		52,404		—		476
Total residential real estate		511		1,404		833		2,748		589,191		591,939		—		4,811
Consumer		266		21		39		326		30,327		30,653		39		227
Total loans excluded from ASC 310-30	$	1,442	$	1,600	$	1,523	$	4,565	$	1,878,199	$	1,882,764	$	263	$	10,813
Loans accounted for under ASC 310-30
Commercial	$	152	$	—	$	1,755	$	1,907	$	21,049	$	22,956	$	1,754	$	—
Agriculture		—		—		367		367		18,696		19,063		367		—
Commercial real estate		564		92		31,013		31,669		160,661		192,330		31,013		—
Residential real estate		2,014		3,826		646		6,486		34,275		40,761		646		—
Consumer		369		—		54		423		4,112		4,535		54		—
Total loans accounted for under ASC 310-30	$	3,099	$	3,918	$	33,835	$	40,852	$	238,793	$	279,645	$	33,834	$	—
Total loans	$	4,541	$	5,518	$	35,358	$	45,417	$	2,116,992	$	2,162,409	$	34,097	$	10,813

Credit Exposure for Loans as Determined by Company's Internal Risk Rating System

Credit exposure for all loans as determined by the Company’s internal risk rating system was as follows as of December 31, 2015 and 2014:

	Total Loans December 31, 2015
			Special
	Pass		mention		Substandard		Doubtful		Total
Loans excluded from ASC 310-30
Commercial	$	957,992	$	44,866	$	32,867	$	4,044	$	1,039,769
Agriculture		132,450		2,440		10,668		—		145,558
Commercial real estate
Construction		24,686		4,882		575		—		30,143
Acquisition/development		5,066		509		—		—		5,575
Multifamily		9,851		—		22		—		9,873
Owner-occupied		174,108		5,595		4,916		—		184,619
Non owner-occupied		262,035		8,091		5,722		273		276,121
Total commercial real estate		475,746		19,077		11,235		273		506,331
Residential real estate
Senior lien		609,196		349		4,921		27		614,493
Junior lien		46,437		252		1,368		—		48,057
Total residential real estate		655,633		601		6,289		27		662,550
Consumer		30,483		67		85		—		30,635
Total loans excluded from ASC 310-30	$	2,252,304	$	67,051	$	61,144	$	4,344	$	2,384,843
Loans accounted for under ASC 310-30
Commercial	$	8,236	$	25	$	4,746	$	—	$	13,007
Agriculture		9,726		27		6,999		—		16,752
Commercial real estate		67,239		1,087		76,793		3,769		148,888
Residential real estate		16,960		1,604		2,888		—		21,452
Consumer		2,296		94		341		—		2,731
Total loans accounted for under ASC 310-30	$	104,457	$	2,837	$	91,767	$	3,769	$	202,830
Total loans	$	2,356,761	$	69,888	$	152,911	$	8,113	$	2,587,673

	Total Loans December 31, 2014
			Special
	Pass		mention		Substandard		Doubtful		Total
Loans excluded from ASC 310-30
Commercial	$	742,944	$	10,166	$	19,250	$	80	$	772,440
Agriculture		114,642		85		3,741		—		118,468
Commercial real estate
Construction		11,748		—		—		—		11,748
Acquisition/development		4,573		—		—		—		4,573
Multifamily		10,856		—		—		—		10,856
Owner-occupied		115,178		158		4,889		—		120,225
Non owner-occupied		199,817		17,607		4,430		8		221,862
Total commercial real estate		342,172		17,765		9,319		8		369,264
Residential real estate
Senior lien		533,630		23		5,744		138		539,535
Junior lien		51,059		—		1,345		—		52,404
Total residential real estate		584,689		23		7,089		138		591,939
Consumer		30,426		—		227		—		30,653
Total loans excluded from ASC 310-30	$	1,814,873	$	28,039	$	39,626	$	226	$	1,882,764
Loans accounted for under ASC 310-30
Commercial	$	11,038	$	282	$	11,092	$	544	$	22,956
Agriculture		16,854		30		2,179		—		19,063
Commercial real estate		82,603		3,770		101,966		3,991		192,330
Residential real estate		29,069		1,403		10,289		—		40,761
Consumer		3,641		105		789		—		4,535
Total loans accounted for under ASC 310-30	$	143,205	$	5,590	$	126,315	$	4,535	$	279,645
Total loans	$	1,958,078	$	33,629	$	165,941	$	4,761	$	2,162,409

Schedule Of Impaired Financing Receivable With And Without Related Allowance

Additional information regarding impaired loans at December 31, 2015 and 2014 is set forth in the table below:

	Impaired Loans
	December 31, 2015						December 31, 2014
					Allowance						Allowance
	Unpaid				for loan		Unpaid				for loan
	principal		Recorded		losses		principal		Recorded		losses
	balance		investment		allocated		balance		investment		allocated
With no related allowance recorded:
Commercial	$	10,812	$	10,744	$	—	$	16,953	$	16,771	$	—
Agriculture		1,877		1,878		—		3,065		3,061		—
Commercial real estate
Construction		190		188		—		—		—		—
Acquisition/development		—		—		—		—		—		—
Multifamily		—		—		—		—		—		—
Owner-occupied		2,218		2,150		—		1,164		970		—
Non-owner occupied		154		153		—		—		—		—
Total commercial real estate		2,562		2,491		—		1,164		970		—
Residential real estate
Senior lien		947		941		—		694		248		—
Junior lien		113		112		—		—		—		—
Total residential real estate		1,060		1,052		—		694		248		—
Consumer		—		—		—		—		—		—
Total impaired loans with no related allowance recorded	$	16,311	$	16,165	$	—	$	21,876	$	21,050	$	—
With a related allowance recorded:
Commercial	$	10,816	$	10,764	$	4,045	$	894	$	693	$	82
Agriculture		254		248		1		177		145		—
Commercial real estate
Construction		—		—		—		—		—		—
Acquisition/development		—		—		—		—		—		—
Multifamily		61		59		—		—		—		—
Owner-occupied		1,272		1,117		2		1,321		1,024		5
Non-owner occupied		1,642		1,630		274		1,140		1,060		9
Total commercial real estate		2,975		2,806		277		2,461		2,084		14
Residential real estate
Senior lien		5,826		5,701		54		7,360		6,359		172
Junior lien		1,800		1,593		11		1,768		1,515		9
Total residential real estate		7,627		7,294		65		9,128		7,874		181
Consumer		86		86		1		277		245		2
Total impaired loans with a related allowance recorded	$	21,758	$	21,198	$	4,388	$	12,937	$	11,041	$	279
Total impaired loans	$	38,069	$	37,363	$	4,388	$	34,813	$	32,091	$	279

Schedule of Impaired Financing Receivable, Average Recorded Investment and Interest Income Recognized

The table below shows additional information regarding the average recorded investment and interest income recognized on impaired loans for the periods presented:

	For the years ended
	December 31, 2015				December 31, 2014
	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
With no related allowance recorded:
Commercial	$	10,729	$	266	$	21,827	$	414
Agriculture		1,961		—		3,458		126
Commercial real estate
Construction		188		—		—		—
Acquisition/development		—		—		—		—
Multifamily		—		—		—		—
Owner-occupied		2,221		83		1,018		51
Non-owner occupied		157		—		—		—
Total commercial real estate		2,566		83		1,018		51
Residential real estate
Senior lien		956		15		605		7
Junior lien		113		—		—		—
Total residential real estate		1,069		15		605		7
Consumer		—		—		—		—
Total impaired loans with no related allowance recorded	$	16,324	$	363	$	26,908	$	598
With a related allowance recorded:
Commercial	$	9,366	$	1	$	893	$	7
Agriculture		276		4		158		—
Commercial real estate
Construction		—		—		—		—
Acquisition/development		—		—		—		—
Multifamily		60		1		—		—
Owner-occupied		1,230		27		1,166		40
Non-owner occupied		1,667		48		1,095		56
Total commercial real estate		2,956		76		2,261		96
Residential real estate
Senior lien		5,911		119		6,594		101
Junior lien		1,725		51		1,568		60
Total residential real estate		7,636		170		8,162		161
Consumer		92		1		265		1
Total impaired loans with a related allowance recorded	$	20,326	$	252	$	11,739	$	265
Total impaired loans	$	36,651	$	615	$	38,647	$	863

Additional Information Related to Accruing TDR's

10-30 are not considered TDRs. The table below provides additional information related to accruing TDRs at December 31, 2015 and 2014:

	Accruing TDRs
	December 31, 2015
	Recorded		Average year-to-date		Unpaid		Unfunded commitments
	investment		recorded investments		principal balance		to fund TDRs
Commercial	$	5,790	$	5,866	$	5,831	$	163
Agriculture		84		85		87		—
Commercial real estate		388		394		389		—
Residential real estate		2,162		2,234		2,166		2
Consumer		12		15		12		—
Total	$	8,436	$	8,594	$	8,485	$	165

	Accruing TDRs
	December 31, 2014
	Recorded		Average year-to-date		Unpaid		Unfunded commitments
	investment		recorded investments		principal balance		to fund TDRs
Commercial	$	13,249	$	12,496	$	13,249	$	375
Agriculture		2,711		3,110		2,715		—
Commercial real estate		610		627		622		—
Residential real estate		2,687		2,767		2,714		2
Consumer		18		20		18		—
Total	$	19,275	$	19,020	$	19,318	$	377

Summary of Company's Carrying Value of Non-Accrual TDR's

The following table summarizes the Company’s carrying value of non-accrual TDRs as of December 31, 2015 and 2014:

	Non - Accruing TDRs
	December 31, 2015		December 31, 2014
Commercial	$	15,897	$	3,994
Agriculture		81		365
Commercial real estate		1,135		458
Residential real estate		678		1,966
Consumer		2		190
Total	$	17,793	$	6,973

Re-Measurement of Loans Accounted for Under ASC Topic 310-30 Resulting in Changes in Carrying Amount of Accretable Yield

The re-measurement of loans accounted for under ASC 310-30 resulted in the following changes in the carrying amount of accretable yield during 2015 and 2014:

	December 31, 2015		December 31, 2014
Accretable yield beginning balance	$	113,463	$	130,624
Reclassification from non-accretable difference		22,392		47,252
Reclassification to non-accretable difference		(4,387)		(3,572)
Accretion		(47,274)		(60,841)
Accretable yield ending balance	$	84,194	$	113,463

Composition of Net Book Value for Loans Accounted for under ASC Topic 310-30

Below is the composition of the net book value for loans accounted for under ASC 310-30 at December 31, 2015 and 2014:

	December 31, 2015		December 31, 2014
Contractual cash flows	$	627,843	$	751,932
Non-accretable difference		(340,819)		(358,824)
Accretable yield		(84,194)		(113,463)
Loans accounted for under ASC 310-30	$	202,830	$	279,645