Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2015

Loans and Allowance for Loan Losses

Schedule of changes in allowance for loan losses

	Non-acquired		Acquired Non-Credit		Acquired Credit
(Dollars in thousands)	Loans		Impaired Loans		Impaired Loans		Total
Year Ended December 31, 2015:
Balance at beginning of period	$	34,539	$	—	$	7,365	$	41,904
Loans charged-off		(6,180)		(2,787)		—		(8,967)
Recoveries of loans previously charged off		2,801		387		—		3,188
Net charge-offs		(3,379)		(2,400)		—		(5,779)
Provision for loan losses		2,930		2,400		(252)		5,078
Benefit attributable to FDIC loss share agreements		—		—		786		786
Total provision for loan losses charged to operations		2,930		2,400		534		5,864
Provision for loan losses recorded through the FDIC loss share receivable		—		—		(786)		(786)
Reduction due to loan removals		—		—		(3,407)		(3,407)
Balance at end of period	$	34,090	$	—	$	3,706	$	37,796
Year Ended December 31, 2014:
Balance at beginning of period	$	34,331	$	—	$	11,618	$	45,949
Loans charged-off		(7,516)		(1,531)		—		(9,047)
Recoveries of loans previously charged off		2,574		604		—		3,178
Net charge-offs		(4,942)		(927)		—		(5,869)
Provision for loan losses		5,150		927		(1,907)		4,170
Benefit attributable to FDIC loss share agreements		—		—		2,420		2,420
Total provision for loan losses charged to operations		5,150		927		513		6,590
Provision for loan losses recorded through the FDIC loss share receivable		—		—		(2,420)		(2,420)
Reduction due to loan removals		—		—		(2,346)		(2,346)
Balance at end of period	$	34,539	$	—	$	7,365	$	41,904
Year Ended December 31, 2013:
Balance at beginning of period	$	44,378	$	—	$	17,218	$	61,596
Loans charged-off		(15,289)		—		—		(15,289)
Recoveries of loans previously charged off		4,224		—		—		4,224
Net charge-offs		(11,065)		—		—		(11,065)
Provision for loan losses		1,018		—		(918)		100
Benefit attributable to FDIC loss share agreements		—		—		1,786		1,786
Total provision for loan losses charged to operations		1,018		—		868		1,886
Provision for loan losses recorded through the FDIC loss share receivable		—		—		(1,786)		(1,786)
Reduction due to loan removals		—		—		(4,682)		(4,682)
Balance at end of period	$	34,331	$	—	$	11,618	$	45,949

Non-acquired loans

Loans and Allowance for Loan Losses

Summary of loans

	December 31,
(Dollars in thousands)	2015		2014
Non-acquired loans:
Commercial non-owner occupied real estate:
Construction and land development	$	401,979	$	364,221
Commercial non-owner occupied		487,777		333,590
Total commercial non-owner occupied real estate		889,756		697,811
Consumer real estate:
Consumer owner occupied		1,018,984		786,778
Home equity loans		319,255		283,934
Total consumer real estate		1,338,239		1,070,712
Commercial owner occupied real estate		1,033,398		907,913
Commercial and industrial		503,808		405,923
Other income producing property		175,848		150,928
Consumer		233,104		189,317
Other loans		46,573		45,222
Total non-acquired loans		4,220,726		3,467,826
Less allowance for loan losses		(34,090)		(34,539)
Non-acquired loans, net	$	4,186,636	$	3,433,287

Schedule of changes in allowance for loan losses

	Construction		Commercial		Commercial		Consumer						Other Income
	& Land		Non-owner		Owner		Owner		Home		Commercial		Producing				Other
(Dollars in thousands)	Development		Occupied		Occupied		Occupied		Equity		& Industrial		Property		Consumer		Loans		Total
Year Ended December 31, 2015:
Allowance for loan losses:
Balance at beginning of period	$	5,666	$	3,154	$	8,415	$	6,866	$	2,829	$	3,561	$	2,232	$	1,367	$	449	$	34,539
Charge-offs		(219)		(156)		(851)		(374)		(547)		(357)		(102)		(3,574)		—		(6,180)
Recoveries		376		67		31		143		244		844		85		1,011		—		2,801
Provision (benefit)		(1,707)		503		746		577		403		(74)		(252)		2,890		(156)		2,930
Balance at end of period	$	4,116	$	3,568	$	8,341	$	7,212	$	2,929	$	3,974	$	1,963	$	1,694	$	293	$	34,090
Loans individually evaluated for impairment	$	615	$	34	$	101	$	138	$	3	$	279	$	422	$	3	$	12	$	1,607
Loans collectively evaluated for impairment	$	3,501	$	3,534	$	8,240	$	7,074	$	2,926	$	3,695	$	1,541	$	1,691	$	281	$	32,483
Loans:
Loans individually evaluated for impairment	$	6,280	$	1,452	$	7,725	$	7,549	$	309	$	1,487	$	4,891	$	102	$	423	$	30,218
Loans collectively evaluated for impairment		395,699		486,325		1,025,673		1,011,435		318,946		502,321		170,957		233,002		46,150		4,190,508
Total non-acquired loans	$	401,979	$	487,777	$	1,033,398	$	1,018,984	$	319,255	$	503,808	$	175,848	$	233,104	$	46,573	$	4,220,726
Year Ended December 31, 2014:
Allowance for loan losses:
Balance at beginning of period	$	6,789	$	3,677	$	7,767	$	6,069	$	2,782	$	3,592	$	2,509	$	937	$	209	$	34,331
Charge-offs		(237)		(442)		(531)		(382)		(1,000)		(1,114)		(309)		(3,501)		—		(7,516)
Recoveries		421		390		95		271		69		264		191		873		—		2,574
Provision (benefit)		(1,307)		(471)		1,084		908		978		819		(159)		3,058		240		5,150
Balance at end of period	$	5,666	$	3,154	$	8,415	$	6,866	$	2,829	$	3,561	$	2,232	$	1,367	$	449	$	34,539
Loans individually evaluated for impairment	$	475	$	77	$	172	$	144	$	1	$	41	$	646	$	2	$	—	$	1,558
Loans collectively evaluated for impairment	$	5,191	$	3,077	$	8,243	$	6,722	$	2,828	$	3,520	$	1,586	$	1,365	$	449	$	32,981
Loans:
Loans individually evaluated for impairment	$	4,852	$	3,610	$	9,160	$	2,966	$	31	$	908	$	5,498	$	60	$	—	$	27,085
Loans collectively evaluated for impairment		359,369		329,980		898,753		783,812		283,903		405,015		145,430		189,257		45,222		3,440,741
Total non-acquired loans	$	364,221	$	333,590	$	907,913	$	786,778	$	283,934	$	405,923	$	150,928	$	189,317	$	45,222	$	3,467,826
Year Ended December 31, 2013:
Allowance for loan losses:
Balance at beginning of period	$	10,836	$	4,921	$	8,743	$	6,568	$	3,626	$	4,939	$	3,747	$	781	$	217	$	44,378
Charge-offs		(4,656)		(660)		(2,695)		(1,462)		(1,219)		(1,329)		(816)		(2,452)		—		(15,289)
Recoveries		1,395		353		41		633		228		514		224		836		—		4,224
Provision		(786)		(937)		1,678		330		147		(532)		(646)		1,772		(8)		1,018
Balance at end of period	$	6,789	$	3,677	$	7,767	$	6,069	$	2,782	$	3,592	$	2,509	$	937	$	209	$	34,331
Loans individually evaluated for impairment	$	704	$	—	$	10	$	271	$	—	$	—	$	646	$	—	$	—	$	1,631
Loans collectively evaluated for impairment	$	6,085	$	3,677	$	7,757	$	5,798	$	2,782	$	3,592	$	1,863	$	937	$	209	$	32,700
Loans:
Loans individually evaluated for impairment	$	5,739	$	2,681	$	11,560	$	3,013	$	—	$	405	$	2,649	$	—	$	—	$	26,047
Loans collectively evaluated for impairment		294,212		288,490		821,953		545,157		257,139		321,419		140,555		136,410		33,834		2,839,169
Total non-acquired loans	$	299,951	$	291,171	$	833,513	$	548,170	$	257,139	$	321,824	$	143,204	$	136,410	$	33,834	$	2,865,216

Schedule of credit risk profile by risk grade of loans

	Total Non-acquired Loans
	December 31,		December 31,
(Dollars in thousands)	2015		2014
Pass	$	4,077,013	$	3,286,228
Special mention		96,261		118,790
Substandard		47,430		62,786
Doubtful		22		22
	$	4,220,726	$	3,467,826

Aging analysis of past due loans, segregated by class of loans

	30 - 59 Days		60 - 89 Days		90+ Days		Total				Total
(Dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Loans
December 31, 2015
Commercial real estate:
Construction and land development	$	323	$	136	$	915	$	1,374	$	400,605	$	401,979
Commercial non-owner occupied		867		—		184		1,051		486,726		487,777
Commercial owner occupied		1,269		608		1,530		3,407		1,029,991		1,033,398
Consumer real estate:
Consumer owner occupied		1,503		308		3,149		4,960		1,014,024		1,018,984
Home equity loans		899		1,046		598		2,543		316,712		319,255
Commercial and industrial		173		166		234		573		503,235		503,808
Other income producing property		241		207		275		723		175,125		175,848
Consumer		351		136		395		882		232,222		233,104
Other loans		48		43		64		155		46,418		46,573
	$	5,674	$	2,650	$	7,344	$	15,668	$	4,205,058	$	4,220,726
December 31, 2014
Commercial real estate:
Construction and land development	$	318	$	439	$	1,354	$	2,111	$	362,110	$	364,221
Commercial non-owner occupied		1,197		—		1,432		2,629		330,961		333,590
Commercial owner occupied		1,106		95		5,403		6,604		901,309		907,913
Consumer real estate:
Consumer owner occupied		1,946		501		2,746		5,193		781,585		786,778
Home equity loans		679		443		519		1,641		282,293		283,934
Commercial and industrial		760		123		107		990		404,933		405,923
Other income producing property		570		114		1,319		2,003		148,925		150,928
Consumer		512		243		120		875		188,442		189,317
Other loans		65		46		62		173		45,049		45,222
	$	7,153	$	2,004	$	13,062	$	22,219	$	3,445,607	$	3,467,826

Summary of information pertaining to impaired loans

	December 31,
(Dollars in thousands)	2015		2014
Commercial non-owner occupied real estate:
Construction and land development	$	1,090	$	2,920
Commercial non-owner occupied		184		2,325
Total commercial non-owner occupied real estate		1,274		5,245
Consumer real estate:
Consumer owner occupied		7,766		6,015
Home equity loans		1,769		1,412
Total consumer real estate		9,535		7,427
Commercial owner occupied real estate		3,056		3,605
Commercial and industrial		515		600
Other income producing property		746		1,348
Consumer		659		344
Other loans		—		—
Restructured loans		2,662		9,425
Total loans on nonaccrual status	$	18,447	$	27,994

Non-acquired loans | Commercial non-owner occupied real estate

Loans and Allowance for Loan Losses

Schedule of credit risk profile by risk grade of loans

	Construction & Development				Commercial Non-owner Occupied				Commercial Owner Occupied
	December 31,		December 31,		December 31,		December 31,		December 31,		December 31,
(Dollars in thousands)	2015		2014		2015		2014		2015		2014
Pass	$	382,167	$	337,641	$	471,466	$	307,450	$	994,442	$	858,220
Special mention		13,633		15,466		13,912		20,596		29,478		34,737
Substandard		6,179		11,114		2,399		5,544		9,478		14,956
Doubtful		—		—		—		—		—		—
	$	401,979	$	364,221	$	487,777	$	333,590	$	1,033,398	$	907,913

	Commercial & Industrial				Other Income Producing Property				Commercial Total
	December 31,		December 31,		December 31,		December 31,		December 31,		December 31,
	2015		2014		2015		2014		2015		2014
Pass	$	497,572	$	397,555	$	163,975	$	135,400	$	2,509,622	$	2,036,266
Special mention		4,472		6,718		8,047		10,333		69,542		87,850
Substandard		1,764		1,650		3,826		5,195		23,646		38,459
Doubtful		—		—		—		—		—		—
	$	503,808	$	405,923	$	175,848	$	150,928	$	2,602,810	$	2,162,575

Non-acquired loans | Consumer real estate

Loans and Allowance for Loan Losses

Schedule of credit risk profile by risk grade of loans

The following table presents the credit risk profile by risk grade of consumer non‑acquired loans:

	Consumer Owner Occupied				Home Equity				Consumer
	December 31,		December 31,		December 31,		December 31,		December 31,		December 31,
(Dollars in thousands)	2015		2014		2015		2014		2015		2014
Pass	$	984,780	$	746,847	$	304,744	$	269,844	$	231,294	$	188,049
Special mention		17,777		22,129		8,171		8,047		771		764
Substandard		16,427		17,802		6,318		6,021		1,039		504
Doubtful		—		—		22		22		—		—
	$	1,018,984	$	786,778	$	319,255	$	283,934	$	233,104	$	189,317

	Other				Consumer Total
	December 31, 2015		December 31, 2014		December 31, 2015		December 31, 2014
Pass	$	46,573	$	45,222	$	1,567,391	$	1,249,962
Special mention		—		—		26,719		30,940
Substandard		—		—		23,784		24,327
Doubtful		—		—		22		22
	$	46,573	$	45,222	$	1,617,916	$	1,305,251

Acquired non-credit impaired loans

Loans and Allowance for Loan Losses

Summary of loans

	December 31,
(Dollars in thousands)	2015		2014
FASB ASC Topic 310-20 acquired loans:
Commercial non-owner occupied real estate:
Construction and land development	$	13,849	$	24,099
Commercial non-owner occupied		40,103		49,476
Total commercial non-owner occupied real estate		53,952		73,575
Consumer real estate:
Consumer owner occupied		518,107		646,375
Home equity loans		190,968		234,949
Total consumer real estate		709,075		881,324
Commercial owner occupied real estate		39,220		62,065
Commercial and industrial		25,475		41,130
Other income producing property		51,169		65,139
Consumer		170,647		204,766
Total FASB ASC Topic 310-20 acquired loans	$	1,049,538	$	1,327,999

Schedule of changes in allowance for loan losses

	Construction		Commercial		Commercial		Consumer						Other Income
	& Land		Non-owner		Owner		Owner		Home		Commercial		Producing
(Dollars in thousands)	Development		Occupied		Occupied		Occupied		Equity		& Industrial		Property		Consumer		Total
Year Ended December 31, 2015
Allowance for loan losses:
Balance at beginning of period	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Charge-offs		—		—		—		(360)		(1,662)		(118)		(4)		(643)		(2,787)
Recoveries		4		—		—		102		237		19		4		21		387
Provision (benefit)		(4)		—		—		258		1,425		99		—		622		2,400
Balance, December 31, 2015	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans:
Loans individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated for impairment		13,849		40,103		39,220		518,107		190,968		25,475		51,169		170,647		1,049,538
Total  acquired non-credit impaired loans	$	13,849	$	40,103	$	39,220	$	518,107	$	190,968	$	25,475	$	51,169	$	170,647	$	1,049,538
Year Ended December 31, 2014
Allowance for loan losses:
Balance at beginning of period	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Charge-offs		(78)		(72)		—		(150)		(530)		(456)		(14)		(231)		(1,531)
Recoveries		1		—		—		20		262		312		—		9		604
Provision (benefit)		77		72		—		130		268		144		14		222		927
Balance, December 31, 2014	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans:
Loans individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated for impairment		24,099		49,476		62,065		646,375		234,949		41,130		65,139		204,766		1,327,999
Total  acquired non-credit impaired loans	$	24,099	$	49,476	$	62,065	$	646,375	$	234,949	$	41,130	$	65,139	$	204,766	$	1,327,999

Schedule of credit risk profile by risk grade of loans

	TotalAcquired
	Non-credit Impaired Loans
	December 31,
(Dollars in thousands)	2015		2014
Pass	$	1,022,135	$	1,292,782
Special mention		7,369		14,815
Substandard		20,034		20,402
Doubtful		—		—
	$	1,049,538	$	1,327,999

Aging analysis of past due loans, segregated by class of loans

	30 - 59 Days		60 - 89 Days		90+ Days		Total				Total
(Dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Loans
December 31, 2015
Commercial real estate:
Construction and land development	$	—	$	21	$	48	$	69	$	13,780	$	13,849
Commercial non-owner occupied		—		—		—		—		40,103		40,103
Commercial owner occupied		120		176		44		340		38,880		39,220
Consumer real estate:
Consumer owner occupied		694		4		688		1,386		516,721		518,107
Home equity loans		897		412		482		1,791		189,177		190,968
Commercial and industrial		1		1		5		7		25,468		25,475
Other income producing property		—		—		7		7		51,162		51,169
Consumer		257		270		797		1,324		169,323		170,647
	$	1,969	$	884	$	2,071	$	4,924	$	1,044,614	$	1,049,538
December 31, 2014
Commercial real estate:
Construction and land development	$	17	$	—	$	40	$	57	$	24,042	$	24,099
Commercial non-owner occupied		—		—		—		—		49,476		49,476
Commercial owner occupied		414		—		38		452		61,613		62,065
Consumer real estate:
Consumer owner occupied		443		241		1,566		2,250		644,125		646,375
Home equity loans		1,451		866		972		3,289		231,660		234,949
Commercial and industrial		14		250		117		381		40,749		41,130
Other income producing property		97		—		88		185		64,954		65,139
Consumer		885		341		843		2,069		202,697		204,766
	$	3,321	$	1,698	$	3,664	$	8,683	$	1,319,316	$	1,327,999

Acquired non-credit impaired loans | Commercial non-owner occupied real estate

Loans and Allowance for Loan Losses

Schedule of credit risk profile by risk grade of loans

					Commercial Non-owner
	Construction & Development				Occupied				Commercial Owner Occupied
	December 31,				December 31,				December 31,
(Dollars in thousands)	2015		2014		2015		2014		2015		2014
Pass	$	12,935	$	22,456	$	33,485	$	42,572	$	38,623	$	61,040
Special mention		109		816		637		6,039		377		265
Substandard		805		827		5,981		865		220		760
Doubtful		—		—		—		—		—		—
	$	13,849	$	24,099	$	40,103	$	49,476	$	39,220	$	62,065

					Other Income Producing
	Commercial & Industrial				Property				CommercialTotal
	December 31,				December 31,				December 31,
	2015		2014		2015		2014		2015		2014
Pass	$	24,621	$	39,780	$	49,783	$	63,090	$	159,447	$	228,938
Special mention		166		448		592		896		1,881		8,464
Substandard		688		902		794		1,153		8,488		4,507
Doubtful		—		—		—		—		—		—
	$	25,475	$	41,130	$	51,169	$	65,139	$	169,816	$	241,909

Acquired non-credit impaired loans | Consumer real estate

Loans and Allowance for Loan Losses

Schedule of credit risk profile by risk grade of loans

The following table presents the credit risk profile by risk grade of consumer loans for acquired non‑credit impaired loans:

	Consumer Owner Occupied				Home Equity				Consumer
	December 31,				December 31,				December 31,
(Dollars in thousands)	2015		2014		2015		2014		2015		2014
Pass	$	514,817	$	639,555	$	180,472	$	222,653	$	167,399	$	201,636
Special mention		557		1,241		4,202		4,491		729		619
Substandard		2,733		5,579		6,294		7,805		2,519		2,511
Doubtful		—		—		—		—		—		—
	$	518,107	$	646,375	$	190,968	$	234,949	$	170,647	$	204,766

	Consumer Total
	December 31,
	2015		2014
Pass	$	862,688	$	1,063,844
Special mention		5,488		6,351
Substandard		11,546		15,895
Doubtful		—		—
	$	879,722	$	1,086,090

Acquired credit impaired loans

Loans and Allowance for Loan Losses

Summary of loans

	December 31,
(Dollars in thousands)	2015		2014
FASB ASC Topic 310-30 acquired loans:
Commercial loans greater than or equal to $1 million-CBT	$	12,628	$	15,813
Commercial real estate		255,430		325,109
Commercial real estate—construction and development		54,272		65,262
Residential real estate		313,319		390,244
Consumer		70,734		85,449
Commercial and industrial		31,193		44,804
Single pay		—		86
Total FASB ASC Topic 310-30 acquired loans		737,576		926,767
Less allowance for loan losses		(3,706)		(7,365)
FASB ASC Topic 310-30 acquired loans, net	$	733,870	$	919,402

Schedule of contractual loan payments receivable, estimates of amounts not expected to be collected, other fair value adjustments and the resulting carrying values

	December 31,
(Dollars in thousands)	2015		2014
Contractual principal and interest	$	968,857	$	1,337,703
Non-accretable difference		(29,743)		(104,110)
Cash flows expected to be collected		939,114		1,233,593
Accretable yield		(201,538)		(306,826)
Carrying value	$	737,576	$	926,767
Allowance for acquired loan losses	$	(3,706)	$	(7,365)

Schedule of changes in the carrying value

	Year Ended December 31,
(Dollars in thousands)	2015		2014		2013
Balance at beginning of period	$	919,402	$	1,220,638	$	969,395
Fair value of acquired loans		—		—		596,509
Net reductions for payments, foreclosures, and accretion		(189,191)		(299,329)		(344,348)
Change in the allowance for loan losses on acquired loans		3,659		(1,907)		(918)
Balance at end of period, net of allowance for loan losses on acquired loans	$	733,870	$	919,402	$	1,220,638

Schedule of refined accretable yield balance

	Year Ended December 31,
(Dollars in thousands)	2015		2014		2013
Balance at beginning of period	$	306,826	$	301,516	$	160,849
Addition from the FFHI acquisition		—		—		181,956
Accretion		(97,847)		(105,254)		(104,705)
Reclass of nonaccretable difference due to improvement in expected cash flows		61,985		112,316		71,136
Other changes, net		(69,426)		(1,752)		(7,720)
Balance at end of period	$	201,538	$	306,826	$	301,516

Schedule of changes in allowance for loan losses

	Commercial				Commercial
	Loans Greater				Real Estate-
	Than or Equal		Commercial		Construction and		Residential				Commercial
(Dollars in thousands)	to $1 Million-CBT		Real Estate		Development		Real Estate		Consumer		and Industrial		Single Pay		Total
Year Ended December 31, 2015:
Allowance for loan losses:
Balance, December 31, 2014	$	135	$	1,444	$	336	$	4,387	$	275	$	718	$	70	$	7,365
Provision for loan losses before benefit attributable to FDIC loss share agreements		(43)		(456)		(68)		99		336		(118)		(2)		(252)
Benefit attributable to FDIC loss share agreements		—		459		74		228		(107)		131		1		786
Total provision for loan losses charged to operations		(43)		3		6		327		229		13		(1)		534
Provision for loan losses recorded through the FDIC loss share receivable		—		(459)		(74)		(228)		107		(131)		(1)		(786)
Reduction due to loan removals		(92)		(932)		(91)		(1,500)		(298)		(426)		(68)		(3,407)
Balance, December 31, 2015	$	—	$	56	$	177	$	2,986	$	313	$	174	$	—	$	3,706
Loans individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated for impairment	$	—	$	56	$	177	$	2,986	$	313	$	174	$	—	$	3,706
Loans:*
Loans individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated for impairment		12,628		255,430		54,272		313,319		70,734		31,193		—		737,576
Total acquired credit impaired loans	$	12,628	$	255,430	$	54,272	$	313,319	$	70,734	$	31,193	$	—	$	737,576
Year Ended December 31, 2014:
Allowance for loan losses:
Balance, December 31, 2013	$	303	$	1,816	$	2,244	$	5,132	$	538	$	1,481	$	104	$	11,618
Provision for loan losses before benefit attributable to FDIC loss share agreements		(129)		(328)		(621)		(406)		(111)		(314)		2		(1,907)
Benefit attributable to FDIC loss share agreements		183		364		792		571		141		371		(2)		2,420
Total provision for loan losses charged to operations		54		36		171		165		30		57		—		513
Provision for loan losses recorded through the FDIC loss share receivable		(183)		(364)		(792)		(571)		(141)		(371)		2		(2,420)
Reduction due to loan removals		(39)		(44)		(1,287)		(339)		(152)		(449)		(36)		(2,346)
Balance, December 31, 2014	$	135	$	1,444	$	336	$	4,387	$	275	$	718	$	70	$	7,365
Loans individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated for impairment	$	135	$	1,444	$	336	$	4,387	$	275	$	718	$	70	$	7,365
Loans:*
Loans individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated for impairment		15,813		325,109		65,262		390,244		85,449		44,804		86		926,767
Total acquired credit impaired loans	$	15,813	$	325,109	$	65,262	$	390,244	$	85,449	$	44,804	$	86	$	926,767
Year Ended December 31, 2013:
Allowance for loan losses:
Balance, December 31, 2012	$	5,337	$	1,517	$	1,628	$	4,207	$	96	$	4,139	$	294	$	17,218
Provision for loan losses before benefit attributable to FDIC loss share agreements		(3,109)		299		2,347		1,057		442		(1,786)		(168)		(918)
Benefit attributable to FDIC loss share agreements		2,934		(456)		(1,645)		(520)		(412)		1,719		166		1,786
Total provision for loan losses charged to operations		(175)		(157)		702		537		30		(67)		(2)		868
Provision for loan losses recorded through the FDIC loss share receivable		(2,934)		456		1,645		520		412		(1,719)		(166)		(1,786)
Reduction due to loan removals		(1,925)		—		(1,731)		(132)		—		(872)		(22)		(4,682)
Balance, December 31, 2013	$	303	$	1,816	$	2,244	$	5,132	$	538	$	1,481	$	104	$	11,618
Loans individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated for impairment	$	303	$	1,816	$	2,244	$	5,132	$	538	$	1,481	$	104	$	11,618
Loans:*
Loans individually evaluated for impairment	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Loans collectively evaluated for impairment		24,109		439,785		114,126		481,247		103,998		68,862		129		1,232,256
Total acquired credit impaired loans	$	24,109	$	439,785	$	114,126	$	481,247	$	103,998	$	68,862	$	129	$	1,232,256

*—The carrying value of acquired credit impaired loans includes a non‑accretable difference which is primarily associated with the assessment of credit quality of acquired loans.

Schedule of credit risk profile by risk grade of loans

	Commercial Loans Greater								Commercial Real Estate—
	Than or Equal to								Construction and
	$1 million-CBT				Commercial Real Estate				Development
	December 31,				December 31,				December 31,
(Dollars in thousands)	2015		2014		2015		2014		2015		2014
Pass	$	11,238	$	11,248	$	177,656	$	208,269	$	26,308	$	26,855
Special mention		1,018		1,030		37,607		35,896		14,532		9,539
Substandard		372		3,535		40,167		80,944		13,432		28,868
Doubtful		—		—		—		—		—		—
	$	12,628	$	15,813	$	255,430	$	325,109	$	54,272	$	65,262

		Residential Real Estate				Consumer				Commercial & Industrial
		December 31,		December 31,		December 31,		December 31,		December 31,		December 31,
		2015		2014		2015		2014		2015		2014
Pass	$		166,309	$	190,931	$	10,703	$	7,493	$	22,358	$	25,530
Special mention			63,341		73,699		23,331		29,087		2,549		5,317
Substandard			83,669		125,614		36,700		48,869		6,286		13,957
Doubtful			—		—		—		—		—		—
	$		313,319	$	390,244	$	70,734	$	85,449	$	31,193	$	44,804

					TotalAcquired
	Single Pay				Credit Impaired Loans
	December 31,				December 31,
	2015		2014		2015		2014
Pass	$	—	$	58	$	414,572	$	470,384
Special mention		—		—		142,378		154,568
Substandard		—		28		180,626		301,815
Doubtful		—		—		—		—
	$	—	$	86	$	737,576	$	926,767

Aging analysis of past due loans, segregated by class of loans

	30 - 59 Days		60 - 89 Days		90+ Days		Total				Total
(Dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Loans
December 31, 2015
Commercial loans greater than or equal to $1 million-CBT	$	—	$	—	$	—	$	—	$	12,628	$	12,628
Commercial real estate		1,118		426		5,624		7,168		248,262		255,430
Commercial real estate—construction and development		784		367		2,162		3,313		50,959		54,272
Residential real estate		4,705		1,155		8,095		13,955		299,364		313,319
Consumer		1,756		380		2,085		4,221		66,513		70,734
Commercial and industrial		272		137		846		1,255		29,938		31,193
Single pay		—		—		—		—		—		—
	$	8,635	$	2,465	$	18,812	$	29,912	$	707,664	$	737,576
December 31, 2014
Commercial loans greater than or equal to $1 million-CBT	$	—	$	—	$	2,896	$	2,896	$	12,917	$	15,813
Commercial real estate		4,350		723		15,866		20,939		304,170		325,109
Commercial real estate—construction and development		1,750		452		8,204		10,406		54,856		65,262
Residential real estate		7,194		2,856		15,471		25,521		364,723		390,244
Consumer		2,241		1,106		2,614		5,961		79,488		85,449
Commercial and industrial		451		196		3,413		4,060		40,744		44,804
Single pay		—		—		—		—		86		86
	$	15,986	$	5,333	$	48,464	$	69,783	$	856,984	$	926,767

Credit impaired

Loans and Allowance for Loan Losses

Summary of average investment in impaired loans and interest income recognized on impaired loans

	Year Ended December 31,
	2015				2014				2013
	Average				Average				Average
	Investment in		Interest Income		Investment in		Interest Income		Investment in		Interest Income
(Dollars in thousands)	Impaired Loans		Recognized		Impaired Loans		Recognized		Impaired Loans		Recognized
Commercial real estate:
Construction and land development	$	5,566	$	263	$	5,295	$	80	$	10,589	$	98
Commercial non-owner occupied		2,531		66		3,145		68		4,030		—
Commercial owner occupied		8,442		368		10,360		141		15,170		106
Consumer real estate:
Consumer owner occupied		5,257		183		2,990		113		845		154
Home equity loans		170		10		15		1		—		—
Commercial and industrial		1,198		61		657		27		1,234		—
Other income producing property		5,195		245		4,073		163		3,463		35
Consumer		81		4		30		5		—		—
Other loans		211		16		—		—		—		—
Total Impaired Loans	$	28,651	$	1,216	$	26,565	$	598	$	35,331	$	393

Summary of information pertaining to nonaccrual loans by class

	Unpaid		Recorded		Gross
	Contractual		Investment		Recorded		Total
	Principal		With No		Investment		Recorded		Related
(Dollars in thousands)	Balance		Allowance		With Allowance		Investment		Allowance
December 31, 2015
Commercial real estate:
Construction and land development	$	9,931	$	1,004	$	5,276	$	6,280	$	615
Commercial non-owner occupied		2,909		233		1,219		1,452		34
Commercial owner occupied		11,516		4,134		3,591		7,725		101
Consumer real estate:
Consumer owner occupied		9,001		3,505		4,044		7,549		138
Home equity loans		483		186		123		309		3
Commercial and industrial		2,641		273		1,214		1,487		279
Other income producing property		5,763		112		4,779		4,891		422
Consumer		155		—		102		102		3
Other loans		611		—		423		423		12
Total	$	43,010	$	9,447	$	20,771	$	30,218	$	1,607
December 31, 2014
Commercial real estate:
Construction and land development	$	7,414	$	1,528	$	3,324	$	4,852	$	475
Commercial non-owner occupied		4,920		2,539		1,071		3,610		77
Commercial owner occupied		12,508		5,546		3,614		9,160		172
Consumer real estate:
Consumer owner occupied		3,393		—		2,966		2,966		144
Home equity loans		131		—		31		31		1
Commercial and industrial		1,625		336		572		908		41
Other income producing property		6,280		360		5,138		5,498		646
Consumer		95		—		60		60		2
Total	$	36,366	$	10,309	$	16,776	$	27,085	$	1,558

Acquired non-credit impaired non-accrual loans

Loans and Allowance for Loan Losses

Summary of information pertaining to nonaccrual loans by class

	December 31,
(Dollars in thousands)	2015		2014
Commercial non-owner occupied real estate:
Construction and land development	$	37	$	41
Commercial non-owner occupied		0		645
Total commercial non-owner occupied real estate		37		686
Consumer real estate:
Consumer owner occupied		976		3,685
Home equity loans		1,103		1,507
Total consumer real estate		2,079		5,192
Commercial owner occupied real estate		44		38
Commercial and industrial		1		120
Other income producing property		168		309
Consumer		1,435		1,193
Total loans on nonaccrual status	$	3,764	$	7,538

Acquired credit impaired loans accounted under FASB 310 30 | First Financial Holdings, Inc. ("First Financial")

Loans and Allowance for Loan Losses

Schedule of contractual loan payments receivable, estimates of amounts not expected to be collected, other fair value adjustments and the resulting carrying values

	July 26, 2013
			Loans
	Loans Impaired		Not Impaired
(Dollars in thousands)	at Acquisition		at Acquisition		Total
Contractual principal and interest	$	662,273	$	238,166	$	900,439
Non-accretable difference		(110,069)		(11,905)		(121,974)
Cash flows expected to be collected		552,204		226,261		778,465
Accretable difference		(129,834)		(52,122)		(181,956)
Carrying value	$	422,370	$	174,139	$	596,509