Loans - (Tables)

9 Months Ended

Sep. 30, 2017

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 is net of discounts on loans excluded from ASC 310-30, and fees and costs of $4.5 million and $6.3 million as of September 30, 2017 and December 31, 2016, respectively. At December 31, 2016, $14.4 million of non 310-30 loans were held-for-sale, most of which were in the residential real estate segment. The sale of these loans was completed in connection with the four banking center divestitures in the second quarter of 2017.

	September 30, 2017
	ASC 310-30 loans		Non 310-30 loans		Total loans		% of total
Commercial	$	31,875	$	1,776,008	$	1,807,883	57.9%
Commercial real estate non-owner occupied		79,798		481,856		561,654	18.0%
Residential real estate		13,420		710,954		724,374	23.2%
Consumer		503		26,129		26,632	0.9%
Total	$	125,596	$	2,994,947	$	3,120,543	100.0%

	December 31, 2016
	ASC 310-30 loans		Non 310-30 loans		Total loans		% of total
Commercial	$	39,280	$	1,521,150	$	1,560,430	54.6%
Commercial real estate non-owner occupied		89,150		437,642		526,792	18.4%
Residential real estate		16,524		728,361		744,885	26.0%
Consumer		898		27,916		28,814	1.0%
Total	$	145,852	$	2,715,069	$	2,860,921	100.0%

Past Due Financing Receivables

Delinquency for loans excluded from ASC 310-30 is shown in the following tables at September 30, 2017 and December 31, 2016, respectively:

	September 30, 2017
					Greater						Total		Loans > 90
	30-59		60-89		than 90						non		days past
	days  past		days past		days past		Total  past				310-30		due and		Non-
	due		due		due		due		Current		loans		still accruing		accrual
Loans excluded from ASC 310-30:
Commercial:
Commercial and industrial	$	715	$	200	$	1,393	$	2,308	$	1,284,047	$	1,286,355	$	150	$	3,783
Owner occupied commercial real estate		1,667		573		49		2,289		273,866		276,155		—		2,829
Agriculture		49		8		689		746		131,401		132,147		—		2,109
Energy		—		—		3,551		3,551		77,800		81,351		—		3,551
Total commercial		2,431		781		5,682		8,894		1,767,114		1,776,008		150		12,272
Commercial real estate non-owner occupied:
Construction		—		—		190		190		101,406		101,596		—		190
Acquisition/development		330		—		—		330		14,115		14,445		—		—
Multifamily		—		—		—		—		40,241		40,241		—		—
Non-owner occupied		653		—		—		653		324,921		325,574		—		607
Total commercial real estate		983		—		190		1,173		480,683		481,856		—		797
Residential real estate:
Senior lien		587		943		1,474		3,004		652,339		655,343		—		5,354
Junior lien		86		—		32		118		55,493		55,611		—		534
Total residential real estate		673		943		1,506		3,122		707,832		710,954		—		5,888
Consumer		186		76		6		268		25,861		26,129		6		200
Total loans excluded from ASC 310-30	$	4,273	$	1,800	$	7,384	$	13,457	$	2,981,490	$	2,994,947	$	156	$	19,157

	December 31, 2016
					Greater						Total		Loans > 90
	30-59		60-89		than 90						non		days past
	days past		days past		days past		Total  past				310-30		due and		Non-
	due		due		due		due		Current		loans		still accruing		accrual
Loans excluded from ASC 310-30:
Commercial:
Commercial and industrial	$	3,134	$	4,009	$	1,078	$	8,221	$	1,066,475	$	1,074,696	$	—	$	8,688
Owner occupied commercial real estate		583		216		56		855		220,689		221,544		—		2,056
Agriculture		501		—		—		501		134,136		134,637		—		1,905
Energy		2		—		6,548		6,550		83,723		90,273		—		12,645
Total commercial		4,220		4,225		7,682		16,127		1,505,023		1,521,150		—		25,294
Commercial real estate non-owner occupied:
Construction		—		—		—		—		90,314		90,314		—		—
Acquisition/development		—		—		—		—		13,306		13,306		—		—
Multifamily		—		—		—		—		24,954		24,954		—		—
Non-owner occupied		—		—		28		28		309,040		309,068		—		66
Total commercial real estate		—		—		28		28		437,614		437,642		—		66
Residential real estate:
Senior lien		888		645		1,458		2,991		672,699		675,690		—		4,522
Junior lien		115		61		22		198		52,473		52,671		—		654
Total residential real estate		1,003		706		1,480		3,189		725,172		728,361		—		5,176
Consumer		83		8		—		91		27,825		27,916		—		181
Total loans excluded from ASC 310-30	$	5,306	$	4,939	$	9,190	$	19,435	$	2,695,634	$	2,715,069	$	—	$	30,717

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

The Company’s internal risk rating system uses a series of grades which reflect its assessment of the credit quality of loans based on an analysis of the borrower's financial condition, liquidity and ability to meet contractual debt service requirements. Loans that are perceived to have acceptable risk are categorized as “Pass” loans. “Special mention” loans represent loans that have potential credit weaknesses that deserve close attention. Special mention loans include borrowers that have potential weaknesses or unwarranted risks that, unless corrected, may threaten the borrower's ability to meet debt service requirements. However, these borrowers are still believed to have the ability to respond to and resolve the financial issues that threaten their financial situation. Loans classified as “Substandard” have a well-defined credit weakness and are inadequately protected by the current paying capacity of the obligor or of the collateral pledged, if any. Although these loans are identified as potential problem loans, they may never become non-performing. Substandard loans have a distinct possibility of loss if the deficiencies are not corrected. “Doubtful” loans are loans that management believe the collection of payments in accordance with the terms of the loan agreement are highly questionable and improbable. Doubtful loans are deemed impaired and put on non-accrual status.

Credit exposure for all loans as determined by the Company’s internal risk rating system was as follows as of September 30, 2017 and December 31, 2016, respectively:

	September 30, 2017
			Special
	Pass		mention		Substandard		Doubtful		Total
Loans excluded from ASC 310-30:
Commercial:
Commercial and industrial	$	1,259,680	$	10,968	$	15,092	$	615	$	1,286,355
Owner occupied commercial real estate		252,816		17,154		5,925		260		276,155
Agriculture		108,832		21,206		2,076		33		132,147
Energy		75,356		2,444		3,551		—		81,351
Total commercial		1,696,684		51,772		26,644		908		1,776,008
Commercial real estate non-owner occupied:
Construction		101,406		—		190		—		101,596
Acquisition/development		14,445		—		—		—		14,445
Multifamily		38,088		—		2,153		—		40,241
Non-owner occupied		321,160		2,926		1,488		—		325,574
Total commercial real estate		475,099		2,926		3,831		—		481,856
Residential real estate:
Senior lien		649,317		248		5,615		163		655,343
Junior lien		54,705		—		906		—		55,611
Total residential real estate		704,022		248		6,521		163		710,954
Consumer		25,925		1		203		—		26,129
Total loans excluded from ASC 310-30	$	2,901,730	$	54,947	$	37,199	$	1,071	$	2,994,947
Loans accounted for under ASC 310-30:
Commercial	$	24,706	$	1,125	$	6,044	$	—	$	31,875
Commercial real estate non-owner occupied		51,780		1,074		26,944		—		79,798
Residential real estate		10,618		1,094		1,708		—		13,420
Consumer		343		10		150		—		503
Total loans accounted for under ASC 310-30	$	87,447	$	3,303	$	34,846	$	—	$	125,596
Total loans	$	2,989,177	$	58,250	$	72,045	$	1,071	$	3,120,543

	December 31, 2016
			Special
	Pass		mention		Substandard		Doubtful		Total
Loans excluded from ASC 310-30:
Commercial:
Commercial and industrial	$	1,041,326	$	7,243	$	25,636	$	491	$	1,074,696
Owner occupied commercial real estate		202,036		9,371		10,137		—		221,544
Agriculture		123,809		8,922		1,906		—		134,637
Energy		77,619		—		7,811		4,843		90,273
Total commercial		1,444,790		25,536		45,490		5,334		1,521,150
Commercial real estate non-owner occupied:
Construction		90,099		—		215		—		90,314
Acquisition/development		10,758		2,548		—		—		13,306
Multifamily		22,495		238		2,221		—		24,954
Non-owner occupied		300,922		5,895		2,251		—		309,068
Total commercial real estate		424,274		8,681		4,687		—		437,642
Residential real estate:
Senior lien		669,148		1,215		5,316		11		675,690
Junior lien		51,250		178		1,243		—		52,671
Total residential real estate		720,398		1,393		6,559		11		728,361
Consumer		27,669		59		188		—		27,916
Total loans excluded from ASC 310-30	$	2,617,131	$	35,669	$	56,924	$	5,345	$	2,715,069
Loans accounted for under ASC 310-30:
Commercial	$	27,436	$	610	$	11,234	$	—	$	39,280
Commercial real estate non-owner occupied		38,895		967		45,520		3,768		89,150
Residential real estate		12,477		1,327		2,720		—		16,524
Consumer		721		17		160		—		898
Total loans accounted for under ASC 310-30	$	79,529	$	2,921	$	59,634	$	3,768	$	145,852
Total loans	$	2,696,660	$	38,590	$	116,558	$	9,113	$	2,860,921

Schedule Of Impaired Financing Receivable With And Without Related Allowance

Additional information regarding impaired loans at September 30, 2017 and December 31, 2016 is set forth in the table below:

	September 30, 2017						December 31, 2016
					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:
Commercial and industrial	$	5,762	$	4,409	$	—	$	8,671	$	7,495	$	—
Owner occupied commercial real estate		2,198		2,059		—		3,350		3,197		—
Agriculture		1,534		1,294		—		2,044		1,987		—
Energy		9,367		5,995		—		17,142		6,105		—
Total commercial		18,861		13,757		—		31,207		18,784		—
Commercial real estate non-owner occupied:
Construction		215		190		—		—		—		—
Acquisition/development		—		—		—		—		—		—
Multifamily		30		30		—		33		33		—
Non-owner occupied		917		864		—		394		343		—
Total commercial real estate		1,162		1,084		—		427		376		—
Residential real estate:
Senior lien		597		572		—		1,551		1,426		—
Junior lien		—		—		—		54		51		—
Total residential real estate		597		572		—		1,605		1,477		—
Consumer		—		—		—		4		4		—
Total impaired loans with no related allowance recorded	$	20,620	$	15,413	$	—	$	33,243	$	20,641	$	—
With a related allowance recorded:
Commercial:
Commercial and industrial	$	4,200	$	1,612	$	617	$	3,495	$	3,464	$	492
Owner occupied commercial real estate		2,631		2,450		264		957		642		2
Agriculture		932		895		33		—		—		—
Energy		—		—		—		11,216		6,548		1,866
Total commercial		7,763		4,957		914		15,668		10,654		2,360
Commercial real estate non-owner occupied:
Construction		—		—		—		—		—		—
Acquisition/development		—		—		—		—		—		—
Multifamily		—		—		—		—		—		—
Non-owner occupied		214		207		1		261		255		1
Total commercial real estate		214		207		1		261		255		1
Residential real estate:
Senior lien		6,993		6,282		186		5,646		5,016		31
Junior lien		1,641		1,398		10		1,781		1,532		14
Total residential real estate		8,634		7,680		196		7,427		6,548		45
Consumer		207		202		1		188		184		2
Total impaired loans with a related allowance recorded	$	16,818	$	13,046	$	1,112	$	23,544	$	17,641	$	2,408
Total impaired loans	$	37,438	$	28,459	$	1,112	$	56,787	$	38,282	$	2,408

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 three months ended
	September 30, 2017				September 30, 2016
	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
With no related allowance recorded:
Commercial:
Commercial and industrial	$	4,272	$	40	$	9,589	$	39
Owner occupied commercial real estate		2,069		19		1,513		22
Agriculture		1,349		—		1,845		—
Energy		7,960		116		17,142		—
Total commercial		15,650		175		30,089		61
Commercial real estate non-owner occupied:
Construction		—		—		—		—
Acquisition/development		—		—		—		—
Multifamily		—		—		—		—
Non-owner occupied		871		5		363		6
Total commercial real estate		871		5		363		6
Residential real estate:
Senior lien		574		—		1,555		5
Junior lien		—		—		53		—
Total residential real estate		574		—		1,608		5
Consumer		—		—		5		—
Total impaired loans with no related allowance recorded	$	17,095	$	180	$	32,065	$	72
With a related allowance recorded:
Commercial:
Commercial and industrial	$	3,692	$	—	$	35	$	—
Owner occupied commercial real estate		2,456		5		730		8
Agriculture		896		1		176		1
Energy		—		—		6,436		—
Total commercial		7,044		6		7,377		9
Commercial real estate non-owner occupied:
Construction		190		—		—		—
Acquisition/development		—		—		—		—
Multifamily		30		—		34		—
Non-owner occupied		209		2		265		3
Total commercial real estate		429		2		299		3
Residential real estate:
Senior lien		6,334		20		4,508		25
Junior lien		1,409		12		1,696		16
Total residential real estate		7,743		32		6,204		41
Consumer		206		—		209		—
Total impaired loans with a related allowance recorded	$	15,422	$	40	$	14,089	$	53
Total impaired loans	$	32,517	$	220	$	46,154	$	125

	For the nine months ended
	September 30, 2017				September 30, 2016
	Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
With no related allowance recorded:
Commercial:
Commercial and industrial	$	5,802	$	113	$	10,511	$	177
Owner occupied commercial real estate		2,116		60		1,539		70
Agriculture		1,470		—		1,845		—
Energy		9,035		116		20,327		—
Total Commercial		18,423		289		34,222		247
Commercial real estate non-owner occupied:
Construction		—		—		—		—
Acquisition/development		—		—		—		—
Multifamily		—		—		—		—
Non-owner occupied		886		17		376		16
Total commercial real estate		886		17		376		16
Residential real estate:
Senior lien		585		—		1,578		16
Junior lien		—		—		54		1
Total residential real estate		585		—		1,632		17
Consumer		—		—		5		—
Total impaired loans with no related allowance recorded	$	19,894	$	306	$	36,235	$	280
With a related allowance recorded:
Commercial:
Commercial and industrial	$	4,363	$	—	$	44	$	—
Owner occupied commercial real estate		2,479		15		761		15
Agriculture		907		4		178		4
Energy		—		—		6,377		—
Total Commercial		7,749		19		7,360		19
Commercial real estate non-owner occupied:
Construction		190		—		—		—
Acquisition/development		—		—		—		—
Multifamily		31		1		35		1
Non-owner occupied		216		7		272		11
Total commercial real estate		437		8		307		12
Residential real estate:
Senior lien		6,494		60		4,620		70
Junior lien		1,444		36		1,733		47
Total residential real estate		7,938		96		6,353		117
Consumer		218		—		212		—
Total impaired loans with a related allowance recorded	$	16,342	$	123	$	14,232	$	148
Total impaired loans	$	36,236	$	429	$	50,467	$	428

Additional Information Related to Accruing TDR's

The table below provides additional information related to accruing TDRs at September 30, 2017 and December 31, 2016:

	September 30, 2017
	Recorded		Average year-to-date		Unpaid		Unfunded commitments
	investment		recorded investments		principal balance		to fund TDRs
Commercial	$	5,680	$	6,026	$	6,003	$	1,813
Commercial real estate non-owner occupied		470		499		522		—
Residential real estate		1,468		1,510		1,480		2
Consumer		2		4		2		—
Total	$	7,620	$	8,039	$	8,007	$	1,815

	December 31, 2016
	Recorded		Average year-to-date		Unpaid		Unfunded commitments
	investment		recorded investments		principal balance		to fund TDRs
Commercial	$	3,302	$	3,440	$	3,464	$	100
Commercial real estate non-owner occupied		538		572		590		—
Residential real estate		1,920		1,996		1,969		2
Consumer		7		9		7		—
Total	$	5,767	$	6,017	$	6,030	$	102

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 September 30, 2017 and December 31, 2016:

	September 30, 2017		December 31, 2016
Commercial	$	8,143	$	15,265
Commercial real estate non-owner occupied		—		—
Residential real estate		1,284		1,301
Consumer		173		142
Total non-accruing TDRs	$	9,600	$	16,708

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 the nine months ended September 30, 2017 and 2016:

	September 30, 2017		September 30, 2016
Accretable yield beginning balance	$	60,476	$	84,194
Reclassification from non-accretable difference		9,697		10,611
Reclassification to non-accretable difference		(907)		(4,479)
Accretion		(17,718)		(26,653)
Accretable yield ending balance	$	51,548	$	63,673

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 September 30, 2017 and December 31, 2016:

	September 30, 2017		December 31, 2016
Contractual cash flows	$	499,652	$	537,611
Non-accretable difference		(322,508)		(331,283)
Accretable yield		(51,548)		(60,476)
Loans accounted for under ASC 310-30	$	125,596	$	145,852