Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2015

Receivables [Abstract]

Schedule of Loans Outstanding by Category

The following is a schedule of loans outstanding by category:

	December 31,
	2015					2014
	Amount		Percent			Amount		Percent
	(Dollars in thousands)
Commercial and financial:
Commercial and industrial	$	795,803		18.80	%	$	745,106		19.35	%
Oil & gas production and equipment		87,304		2.06			104,940		2.72
Agriculture		150,620		3.56			132,830		3.45
State and political subdivisions:
Taxable		17,605		0.42			20,431		0.53
Tax-exempt		33,575		0.79			20,952		0.54
Real estate:
Construction		403,664		9.54			356,621		9.26
Farmland		184,707		4.36			149,507		3.88
One to four family residences		821,251		19.41			766,362		19.90
Multifamily residential properties		65,477		1.55			66,766		1.73
Commercial		1,356,430		32.05			1,191,477		30.94
Consumer		283,636		6.70			267,179		6.94
Other (not classified above)		31,976		0.76			29,227		0.76
Total loans	$	4,232,048		100.00	%	$	3,851,398		100.00	%

Summary of Nonperforming and Restructured Assets

The following is a summary of nonperforming and restructured assets:

	December 31,
	2015		2014
	(Dollars in thousands)
Past due 90 days or more and still accruing	$	1,841	$	1,135
Nonaccrual		30,096		16,410
Restructured		15,143		16,515
Total nonperforming and restructured loans		47,080		34,060
Other real estate owned and repossessed assets		8,214		8,079
Total nonperforming and restructured assets	$	55,294	$	42,139

Summary of Amounts Included in Nonaccrual Loans Segregated by Class of Loans

The following table is a summary of amounts included in nonaccrual loans, segregated by class of loans. Residential real estate refers to one to four family real estate.

	December 31,
	2015		2014
	(Dollars in thousands)
Real estate:
Non-residential real estate owner occupied	$	261	$	296
Non-residential real estate other		3,957		5,126
Residential real estate permanent mortgage		656		681
Residential real estate all other		1,833		1,796
Commercial and financial:
Non-consumer non-real estate		10,159		1,556
Consumer non-real estate		312		250
Other loans		9,381		1,659
Acquired loans		3,537		5,046
Total	$	30,096	$	16,410

Age Analysis of Past Due Loans Segregated by Class of Loans

The following table presents an age analysis of past due loans, segregated by class of loans:

	Age Analysis of Past Due Loans
	30-59 Days Past Due		60-89 Days Past Due		90 Days and Greater		Total Past Due Loans		Current Loans		Total Loans		Accruing Loans 90 Days or More Past Due
	(Dollars in thousands)
As of December 31, 2015
Real estate:
Non-residential real estate owner occupied	$	441	$	179	$	183	$	803	$	502,094	$	502,897	$	—
Non-residential real estate other		1,149		108		568		1,825		1,108,935		1,110,760		521
Residential real estate permanent mortgage		2,840		636		648		4,124		328,477		332,601		493
Residential real estate all other		2,842		609		824		4,275		672,414		676,689		193
Commercial and financial:
Non-consumer non-real estate		2,278		161		187		2,626		982,136		984,762		152
Consumer non-real estate		2,237		772		349		3,358		265,511		268,869		278
Other loans		3,565		295		1,761		5,621		156,995		162,616		132
Acquired loans		1,052		71		918		2,041		190,813		192,854		72
Total	$	16,404	$	2,831	$	5,438	$	24,673	$	4,207,375	$	4,232,048	$	1,841
As of December 31, 2014
Real estate:
Non-residential real estate owner occupied	$	635	$	—	$	269	$	904	$	482,731	$	483,635	$	70
Non-residential real estate other		377		317		825		1,519		952,484		954,003		—
Residential real estate permanent mortgage		2,010		758		544		3,312		304,267		307,579		172
Residential real estate all other		1,820		194		1,488		3,502		633,586		637,088		387
Commercial and financial:
Non-consumer non-real estate		841		71		793		1,705		965,002		966,707		24
Consumer non-real estate		1,914		711		330		2,955		244,810		247,765		215
Other loans		1,858		916		741		3,515		149,469		152,984		—
Acquired loans		1,815		997		1,304		4,116		97,521		101,637		267
Total	$	11,270	$	3,964	$	6,294	$	21,528	$	3,829,870	$	3,851,398	$	1,135

Impaired Loans Segregated by Class of Loans

The following table presents impaired loans, segregated by class of loans. No material amount of interest income was recognized on impaired loans subsequent to their classification as impaired.

	Impaired Loans
	Unpaid Principal Balance		Recorded Investment with Allowance		Related Allowance		Average Recorded Investment
	(Dollars in thousands)
As of December 31, 2015
Real estate:
Non-residential real estate owner occupied	$	507	$	383	$	14	$	446
Non-residential real estate other		21,068		19,052		357		19,655
Residential real estate permanent mortgage		1,401		1,209		81		1,125
Residential real estate all other		2,498		2,235		242		1,958
Commercial and financial:
Non-consumer non-real estate		13,897		10,312		2,062		11,786
Consumer non-real estate		738		715		181		652
Other loans		10,722		9,513		331		10,335
Acquired loans		6,295		4,248		—		4,564
Total	$	57,126	$	47,667	$	3,268	$	50,521
As of December 31, 2014
Real estate:
Non-residential real estate owner occupied	$	521	$	448	$	15	$	453
Non-residential real estate other		23,154		21,164		1,364		21,522
Residential real estate permanent mortgage		1,095		880		85		1,042
Residential real estate all other		2,480		2,270		299		2,273
Commercial and financial:
Non-consumer non-real estate		1,895		1,580		431		1,646
Consumer non-real estate		664		648		138		602
Other loans		2,101		1,659		228		1,512
Acquired loans		10,933		7,708		—		8,082
Total	$	42,843	$	36,357	$	2,560	$	37,132

Internal Loan Grading by Class of Loans

The following table presents internal loan grading by class of loans:

	Internal Loan Grading
	Grade
		1		2		3		4		5	Total
	(Dollars in thousands)
As of December 31, 2015
Real estate:
Non-residential real estate owner occupied	$	417,529	$	76,749	$	8,304	$	315	$	—	$	502,897
Non-residential real estate other		945,993		156,159		4,580		4,028		—		1,110,760
Residential real estate permanent mortgage		295,265		29,793		6,315		1,228		—		332,601
Residential real estate all other		554,007		111,879		9,109		1,694		—		676,689
Commercial and financial:
Non-consumer non-real estate		821,394		140,384		12,687		10,297		—		984,762
Consumer non-real estate		251,994		14,433		1,779		662		1		268,869
Other loans		153,416		5,851		872		2,477		—		162,616
Acquired loans		165,305		12,566		11,049		3,858		76		192,854
Total	$	3,604,903	$	547,814	$	54,695	$	24,559	$	77	$	4,232,048
As of December 31, 2014
Real estate:
Non-residential real estate owner occupied	$	402,706	$	75,555	$	5,008	$	366	$	—	$	483,635
Non-residential real estate other		795,209		133,542		20,126		5,126		—		954,003
Residential real estate permanent mortgage		272,411		27,855		6,369		944		—		307,579
Residential real estate all other		529,555		99,214		6,146		2,173		—		637,088
Commercial and financial:
Non-consumer non-real estate		821,094		117,457		26,550		1,606		—		966,707
Consumer non-real estate		233,424		12,229		1,548		564		—		247,765
Other loans		147,758		4,261		601		173		191		152,984
Acquired loans		46,465		36,951		12,651		5,206		364		101,637
Total	$	3,248,622	$	507,064	$	78,999	$	16,158	$	555	$	3,851,398

Activity in ALL by Class of Loans

The following table details activity in the ALL by class of loans for the period presented. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.

	ALL
	Balance at beginning of period		Charge- offs			Recoveries		Net charge-offs			Provisions charged to operations			Balance at end of period
	(Dollars in thousands)
As of December 31, 2015
Real estate:
Non-residential real estate owner occupied	$	4,406	$	(37	)	$	1	$	(36	)	$	291		$	4,661
Non-residential real estate other		9,616		(708	)		2		(706	)		1,011			9,921
Residential real estate permanent mortgage		2,948		(222	)		40		(182	)		382			3,148
Residential real estate all other		6,269		(138	)		17		(121	)		577			6,725
Commercial and financial:
Non-consumer non-real estate		12,771		(3,799	)		199		(3,600	)		2,583			11,754
Consumer non-real estate		2,404		(626	)		124		(502	)		740			2,642
Other loans		2,359		(1,109	)		16		(1,093	)		1,382			2,648
Acquired loans		116		(686	)		28		(658	)		709			167
Total	$	40,889	$	(7,325	)	$	427	$	(6,898	)	$	7,675		$	41,666
As of December 31, 2014
Real estate:
Non-residential real estate owner occupied	$	4,827	$	(42	)	$	102	$	60		$	(481	)	$	4,406
Non-residential real estate other		11,026		(29	)		49		20			(1,430	)		9,616
Residential real estate permanent mortgage		2,825		(207	)		78		(129	)		252			2,948
Residential real estate all other		6,708		(171	)		32		(139	)		(300	)		6,269
Commercial and financial:
Non-consumer non-real estate		8,977		(564	)		70		(494	)		4,288			12,771
Consumer non-real estate		2,556		(687	)		203		(484	)		332			2,404
Other loans		1,991		(351	)		149		(202	)		570			2,359
Acquired loans		124		(568	)		719		151			(159	)		116
Total	$	39,034	$	(2,619	)	$	1,402	$	(1,217	)	$	3,072		$	40,889

Allowance for Loan Losses Outstanding by Impairment Methodology

The following table details the amount of ALL by class of loans for the period presented, on the basis of the impairment methodology used by the Company.

	ALL
	December 31, 2015				December 31, 2014
	Individually evaluated for impairment		Collectively evaluated for impairment		Individually evaluated for impairment		Collectively evaluated for impairment
	(Dollars in thousands)
Real estate:
Non-residential real estate owner occupied	$	323	$	4,338	$	202	$	4,204
Non-residential real estate other		323		9,598		1,518		8,098
Residential real estate permanent mortgage		399		2,749		407		2,541
Residential real estate all other		839		5,886		743		5,526
Commercial and financial:
Non-consumer non-real estate		3,365		8,389		4,671		8,100
Consumer non-real estate		445		2,197		372		2,032
Other loans		291		2,357		214		2,145
Acquired loans		—		167		—		116
Total	$	5,985	$	35,681	$	8,127	$	32,762

Loans Outstanding by Impairment Methodology

The following table details the loans outstanding by class of loans for the period presented, on the basis of the impairment methodology used by the Company.

	Loans
	December 31, 2015						December 31, 2014
	Individually evaluated for impairment		Collectively evaluated for impairment		Loans acquired with deteriorated credit quality		Individually evaluated for impairment		Collectively evaluated for impairment		Loans acquired with deteriorated credit quality
	(Dollars in thousands)
Real estate:
Non-residential real estate owner occupied	$	8,619	$	494,278	$	—	$	5,374	$	478,261	$	—
Non-residential real estate other		8,608		1,102,152		—		25,251		928,752		—
Residential real estate permanent mortgage		7,543		325,058		—		7,313		300,266		—
Residential real estate all other		10,803		665,886		—		8,319		628,769		—
Commercial and financial:
Non-consumer non-real estate		22,983		961,779		—		28,156		938,551		—
Consumer non-real estate		2,416		266,453		—		2,112		245,653		—
Other loans		2,323		160,293		—		233		152,751		—
Acquired loans		—		177,871		14,983		—		83,416		18,221
Total	$	63,295	$	4,153,770	$	14,983	$	76,758	$	3,756,419	$	18,221

Transfers from Loans to Other Real Estate Owned and Repossessed Assets

Transfers from loans to other real estate owned and repossessed assets during the periods presented are summarized as follows:

	Year ended December 31,
	2015		2014		2013
	(Dollars in thousands)
Other real estate owned	$	2,139	$	3,573	$	1,710
Repossessed assets		1,098		1,209		1,171
Total	$	3,237	$	4,782	$	2,881

Related Party Loans

A summary of these loans is as follows:

Year Ended December 31,	Balance Beginning of the Period		Additions		Collections/ Terminations			Period
	(Dollars in thousands)
2015	$	25,019	$	22,330	$	(9,772	)	$	37,577
2014		27,134		22,521		(24,636	)		25,019
2013		29,030		11,979		(13,875	)		27,134